Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Last Saturday, XX/XX/22 I logged in to see my credit score with Equifax and noticed that they dropped my credit score by XXXX points because I paid off my mortgage in XXXX! Not only did they do this, but they removed other paid off loans that should have stayed on my report, I was 100 % on time with my payments, but that all got wiped out!! Im in my XXXX and recently widowed, I was married for many years and my husband and I took out many loans which were paid off before they were due! I filed a previous complaint, but all they did was avoid the problems listed and didnt answer any questions as to why! In fact, they put the exact same response as XXXX did! So, Ill number the items that need to be addressed and I want a direct response to them, not a lot of skirting around the issue! 

1 ) I want my score brought back up, immediately to where it was!

2 ) I want paid loans that you removed put back on my report that you had no business removing because it shows my credit history! The less it shows, the worse the score, obviously!

3 ) I want my credit history to go back to what it was, you are lying to people that view my credit history when it says only 5 months! Youre slandering me!

4 ) One of your representatives told me that I have credit card opportunities so I should get some credit cards to rebuild my credit! This tells me that you are in cahoots with credit card companies and are pushing people into debt further! I am filing complaints with other government agencies because there needs to be an all out investigation done with all of the credit bureaus. I am also filing complaints because I am XXXX and a widow, I am being discriminated against.
Complaint sub-issue: Account information incorrect

On all 3 credit bureau reports, XXXX XXXX is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to XXXX XXXX and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". XXXX states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from XXXX so my concern is the company is not reporting correctly. I do not know what to do from here.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX I opened a checking account with Bank of the West when there was a promotion of {$250.00} bonus for doing a doing a direct deposit of more than {$1000.00} over 3 months. 

I correctly opened the account by applying online on their website. Below the " Apply now '' button on their website it said that the promotion code is automatically applied. Please see attached screenshot of the same. 

I also met the promotion terms from XX/XX/XXXXto XX/XX/2019. 
Further when I contacted the bank on XX/XX/XXXX, they are saying that the promotion code was not applied in my case and so they denied the bonus. 

I request the bank to kindly issue the bonus of {$250.00} as I applied correctly and met the terms. It is an issue with their website / system itself.
Complaint sub-issue: Account status

The doctor 's office is claiming that owe them {$100.00} from back in 2010 and it 's been removed from the other two bureaus all except yours, it is incorrect information I paid the bill in full.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Complaint sub-issue: Information belongs to someone else

I have submitted a dispute letter to all three credit bureaus informed them that information that has been reported as on XX/XX/2022 from XXXX XXXX reporting fraudulent activity on my credit report. I advised them to investigate and delete this incorrect information being reported it is still showing on my credit report.. It is a company XXXX XXXXXXXX XXXX XXXX is still reporting and has a old account that is still showing should be deleted it keeps reappearing on my credit report it has been passed a 7 year mark, and it should be deleted off my credit report. 

I have also mailed identity that report and had it notarized along with the dispute to the credit bureaus certified mail I have also attached the postcards that I received that they did receive the information. 

Remove the fraudulent information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX past 7yrs it outdate in should not be reporting.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have had an issue before where a car dealer told me my Equifax account was locked and they could not get a score from them. I tried to resolve it over the phone but I was never able to get it unlocked. It cost me an extra {$1000.00} down with the car dealer to complete the transaction. It is now about 3 years later and I am applying for a Home Equity loan with XXXX. XXXX is telling me there is a freeze on my Equifax score. I have never requested either a lock or a freeze on my account. I find this to be extremely frustrating and invasive to my financial security. I have never received a letter from Equifax about any matter ever and I am unable to LOGIN to my online account. The website does not adequately provide a reasonable way to reset my password it simply spins you in circles and you get nowhere.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX I used my US Direct Express Card at XXXX XXXX in XXXX XXXX where I live. On XX/XX/XXXX I checked my account for an expected deposit and noticed the account was empty and there were many charges that I did not make. 
I contacted them immediately and had the card cancelled and reissued. On XX/XX/XXXX I received two letters. The first one stated that I was being given a partial refund of {$730.00} for the completed investigation. The second said I was being issued a provisional credit of {$5300.00} for the not yet refunded amount until the investigation is complete. I did not receive the provisional credit so I contacted them on XX/XX/XXXX. I was told that it may have just not posted yet and to call in a week if it wasnt there. I called back a week later and was told that they took the provisional credit back because it was a large amount. They were still investigating and it would take 45 days. 
I called on XX/XX/XXXX and was told they were still investigating and needed more than 45 days, that it may need 90 days and to just keep waiting. 
I called again on XX/XX/XXXX and someone named XXXX opened an escalation and that it would take 3-7 days to be resolved. I called again eight days later on XX/XX/XXXX and was told that the escalation was open but that it may take another 1-3 weeks to complete the investigation. 
I own a business and was under the impression that they should have issued the provisional credit regardless of how much it amounts to if they take longer that 10 or 15 days. I still havent received it. 
The investigation should be pretty easy considering I was saving money in this account and not spending much, then all of a sudden someone went on a spending spree and emptied the account in a week all in a state I am 1000 miles from. 
Below is a list of the fraudulent charges. All of them are from the XXXX, MI area. I live in XXXX XXXX, NV and have not left town in years. Several of them are bill payments to debt collectors and car/phone/power payments. The card never left my possession. One of the charges is XXXX which is a purchase to get my personal information, Im sure. 
XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$65.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$100.00} ( Refunded ) XX/XX/XXXX XXXX {$34.00} ( Refunded ) XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$69.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX XXXX {$98.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$23.00} ( Refunded ) XX/XX/XXXX XXXX {$880.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$650.00} XX/XX/XXXX XXXX  {$29.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00}
Complaint sub-issue: Information belongs to someone else

Credit Bureaus reported late payments on a vehicle. A few days later I checked and saw it was now reporting as a charge off. I contacted the credit bureaus in writing and have had no response.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX, # # # XXXX, # XXXX XXXX, # # # # # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  violated my rights.

SEC 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Public record information inaccurate

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize this information US BKPT CT TX XXXX. I contacted that court and they sent me a letter that they do not send anything to the credit bureaus or have any file that matches my personal information. I then contacted XXXX, they show no record of the bankruptcy or a file under my name. I have attached a copy of the letter from XXXX. I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.
Complaint sub-issue: Trouble with how payments are handled

I am trying to set up a repayment plan based upon my discretionary income and the amount is still much, much too large. I am being asked to pay {$1400.00} per month. This would be in addition to my monthly mortgage of {$2200.00} per month. Student loan repayments of this amount are unsustainable. I can pay about {$450.00} to {$500.00} per month, that 's it. I can not seem to get speak with a human being to negotiate a payment that is reasonable for my family budget. Can you help me with this? Everything in electronic via a website link or e-mail. No human being with decision making authority are available to speak to me about this. Please help. 

My phone number is XXXX, Thank you.
Complaint sub-issue: Reporting company used your report improperly

I have been a victim of the Equifax breach and will like to have this accounts remove immediately XXXX XXXX- XXXX - Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I need to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The reporting on what was once a combined commercial/residential wrap around mortgage is now just attached to my personal residence after I sold off the commercial property attached to the collateralized loan. Shortly after I sold the commercial portion, I was hit with an acceleration of my mortgage after XXXX XXXX acquired the mortgage from a bank merger. This was extremely unfair at the time due to the personal hardship I was going through with the passing of my wife, who was also an XXXX and a partner in my XXXX XXXX. Then XXXX XXXX started what was proven to be an illegal foreclosure action. Since the commercial aspects of the mortgage was eliminated with the sale of the larger portioned commercial percentage, my rights under the Fair Debt Collection Practices was protected under the XX/XX/2018 addendum of that federal law, My rights were violated by XXXX XXXX as I should have been given the initial right to modify the terms of the loan and take out the balloon payment, normally associated with large scale commercial transactions. After the foreclosure was filed I filed a counterclaim. XXXX XXXX XXXX was trying to ingratiate themselves foreclosing on a {$400000.00} home with only a {$140000.00} balance. I discovered that my rights were being violated under federal guidelines with both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Eventually, XXXX XXXX XXXX realized their mistake and gave me a restructured mortgage with all past payments, interest, penalties and legal fees waived, and gave to me a six-year mortgage completely interest free as long as I dropped my lawsuit against them with the Supreme Court state of New York. In essence, the current reporting is a complete falsehood, as it was XXXX XXXX XXXX that brought about the illegal foreclosure action. I should have a new payment history starting from the month of the restructured mortgage. This abusive reporting on all credit bureaus is a direct violation XXXX XXXX XXXX has with their subscriber agreement with all three national credit bureaus. The negative reporting must be deleted and only the payment history that started with the interest free mortgage should be posted. Accordingly, XXXX XXXX XXXX has only one option, to rectify this immediately and live up to their subscriber agreement with all three credit bureaus.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( XXXX, Equifax, XXXX  ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the law.
Complaint sub-issue: Problem using a debit or ATM card

Approximately XX/XX/2021. My online banking was hacked. There was varies amounts involved. I will attach dispute letters that I received. ( I did not file a dispute on any bills ).. I am attaching a police report case number. Ive called every department in PNC bank. I visited the bank So Much the tellers and managers would go in back to avoid me. 
I lost my car in the process and paid off accounts were reopened.
Complaint sub-issue: Information belongs to someone else

The information on file is incorrect the address and number stated on the record is incorrect. I think someone is trying to steal my identity
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this entry with both the credit bureaus and LJ Ross Associates alike. In my letter dated XX/XX/2018, I specifically disputed the inaccuracy of this account with LJ Ross. I never entered into a contractual agreement with this company whereby I would have had terms of 1 month with them. Additionally, due to this entry not being a data factoring account, there should be no payment history attached. Why would only 2 months of payment history be reported? LJ Ross never responded to my request and therefore did not substantiate the validity of the data they reporting negligently. To that end, this entry must be deleted immediately from my credit reports.
Complaint sub-issue: Account status

I have repeated contacted Equifax about the inaccurate information that they are managing in my consumer file as it relates to XXXX XXXX XXXX XXXX XXXX for account # XXXX with an open date of XX/XX/XXXX. I most recently disputed the information report because it is obvious the information is inaccurate just simply by comparing previous reports from Equifax. The result of the dispute from XX/XX/XXXX with a completion date of XX/XX/XXXX and conformation # of XXXX ( see attachments XXXX pages ) the XXXX XXXX account # XXXX - shows the following information item as of date reported of XX/XX/XXXX, date of last payment of XX/XX/XXXX with date of 1st delinquency of XX/XX/XXXX and date of major delinquency of XX/XX/XXXX and charge off amount of {$36000.00}. Under the account history with status Codes : XX/XX/XXXX- L, XX/XX/XXXX-L, XX/XX/XXXX- L, XX/XX/XXXX- L, XX/XX/XXXX-L, XX/XX/XXXX - L. ^^^ According to the credit report I have not made a payment since XX/XX/XXXX but the first delinquency date of XX/XX/XXXX and the date of first major delinquency of XX/XX/XXXX : Now according to the account history with status code, the account suddenly went code XXXX, which is 120-149 days past due as of XX/XX/XXXX followed by code XXXX as of XX/XX/XXXX followed by code L as of XX/XX/XXXX which according to the code key means ACCOUNT CHARGED OFF. We know its impossible to suddenly be a code XXXX or 120-149 days delinquent for XX/XX/XXXX if the a last payment date of XX/XX/XXXX as indicated solely by what the credit report states, then to suddenly just up 180 days or more past due by XX/XX/XXXX. They also show on the report that the account has a first major delinquency date of XX/XX/XXXX, but then show the account charged off as of XX/XX/XXXX again this information is obviously wrong and grossly inaccurate. Due to Equifax 's continued non- compliance with the law as it relates to deleting inaccurate information has caused me great harm that continues to build as time continues to past and they refused to correct the issues. Due to them knowingly keeping grossly inaccurate information in there records with the refusal to correct needs to be made to comply with the law and now delete and block the account from my credit file. 

They are also reflecting a social security number of XXXX which is not my social security number. I have repeatedly ask them to remove this information and again they refuse to comply. It is obvious that they have a pattern of maintaining inaccurate information on consumer and refusing to follow the laws. If this is what they are doing to me, can you imaging how they are doing others who do not speak up. I truly feel this is a class action issue affecting many Americans. 



Over the last two years, I have to constantly contact this governmental agency because Equifax refuses to comply with the law as it relates to removing known inaccurate information from the consumers credit report as evident by previous complaints filed with your agency.
Complaint sub-issue: Company closed your account

I am disputing the closing of my account for no valid reason. I was never late on making payments on time or going over my credit limit. I'm assuming company closed my account because of non usage for a couple of months.
Complaint sub-issue: Their investigation did not fix an error on your report

THIS IS MY LAST SUBMISSION. THE CREDITORS HAVE STATED THEY HAVE ADVISED XXXX, XXXX and EQUIFAX TO REMOVE ALL REMARKS. I STILL SEE SOME OF THESE AGENCIES HAVING DISPUTE REMARKS! CLEAR THEM FROM MY REPORTS AS IF THEY NEVER EXISTED. HERE IS PROOF THAT XXXX XXXX CARD SERVICES ACCOUNT XXXX AND XXXX  CASE XXXX HAVE STATED THEY HAVE REQUESTED YOU TO REMOVE ALL REMARKS BESIDES THE ORIGINAL PAID IN FULL AND CLOSED ON XXXX AND XXXX DISPUTES CLEAR. XXXX HAS BEEN THE WORST TO DEAL WITH. THEY DO NOT HONOR ANY CORRECTIONS AND THEIR CUSTOMER SERVICE IS THE WORST. THEIR WEBSITE DOES NOT WORK FOR QUICK LINKS TO VIEW DISPUTES. I WILL BE CHECKING ALL OF THESE ACCOUNTS IN A MONTH. IF I STILL SEE ISSUES. I WILL BE LOOKING INTO REPORTING THEM TO THE ATTORNEY GENERAL, FTC, AND SUING THEM. 

IF YOU HAVE FIXED THE ERRORS AND IT TAKES TIME FOR YOUR UPDATES TO SHOW UP. I SINCERELY APOLOGIZE AND THANK YOU FOR RESPECTING MY RESOLUTION.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts me at potential risk as of XXXX  2017. 

I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Reporting company used your report improperly

Equifax data breach. I am a potentially affected party, as stated by Equifax 's own website portal. The company provided my data via hacking to a third party ( or multiple parties ) which opens me up to fraudulent activity.
Complaint sub-issue: Debt is not yours

XXXX XXXX, XXXX is the debt collector who keeps contacting me by phone, harassing calls and have reported this unverified to debt to all three credit bureaus. I have asked them several times to validate this debt per 15 USC 1692g Sec.809 ( b ) of the FDCPA guidelines and they have yet to do so. This collection has caused me to endure denial of credit, lowering my XXXX score and causes defamation of my character. XXXX sent my billing statements from XXXX XXXX and some redacted XXXX post early out flow sheet which doesnt validate this debt as l have requested on XXXX see attached letter sent and in their response dated XXXX