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

XX/XX/XXXX : Filed dispute through Equifax due to a credit card balance and credit limit being reported incorrectly. Equifax specifically states that a dispute will not lower your credit score. 
XX/XX/XXXX : Equifax notifies me that investigation of dispute is complete and report is available. Result of report is in my favor, lowering the credit card balance and increasing the credit limit. Both being positive credit actions. 
XX/XX/XXXX : Equifax decreases my credit score XXXX points from XXXX to XXXX with the reasons of " credit card limit increased by {$400.00} '', " credit card balance decreased by {$700.00} '', " payments made on time '', " account information changed ''. 
XX/XX/XXXX : Equifax decreases my credit score XXXX points from XXXX with no additional reasoning. This takes my credit rating from the " XXXX  '' down to the " XXXX  '' tier. 
XX/XX/XXXX : I call Equifax and inquire about my score being decreased a total of XXXX points immediately after a dispute being completed and the reasoning being the direct results of the completed dispute. The Equifax agent stated " Disputes will not lower or have a negative impact on your credit score. There must be another reason. '' I quoted the reasoning shown and agreed that it should not have had a negative impact. I also stated that it should have increased my score. I advised the agent that I am preparing to make a large purchase in XXXX of XXXX and that this unjust score decrease will cost me thousands of dollars in extra interest over the length of the loan. I advised the agent that this unjust score decrease will cause me financial loss and damages. I also informed the agent that this appears to be a direct and retaliatory action by Equifax in result of my dispute. Furthermore, I advised the agent that my scores with the other 2 credit bureaus have either remained the same or increased, supporting my suspicion that Equifax is taking retaliatory actions against me over my dispute. The Equifax agent filed a complaint including all of this information. I advised the agent I would be filing a complaint with the CFPB, and if Equifax did not restore my credit score and credit tier before I make my major purchase in XX/XX/XXXX that I will take legal action after incurring financial loss and damages that they were warned of and given ample opportunity to correct.
Complaint sub-issue: Problem with statement of dispute

I have sent equafax a request to investigate a few inquiries on my credit report multiple times. They do not seem to do a proper investigation. I have tried multiple times to resolve this issue but they keep sending me the same response back.
Complaint sub-issue: Information is missing that should be on the report

All three Credit Reporting Agencies Equifax XXXX XXXX XX/XX/XXXXToday lowered my FICO score by 35 to 45 points With no late payments, irregular activities, enquiries, or debt to income increse utilization. 

I belive this could be Senior discrimination Please investigate and revert Thank you XXXX XXXX XXXX SS # XXXX Address XXXX XXXX XXXX XXXX F XXXX XXXX Ca XXXX XXXX XXXX DOB XX/XX/
Complaint sub-issue: Investigation took more than 30 days

In reference to my Previous complain file XX/XX/2022. Its been More than 30 days since i filed a complaint disputing the following accounts XXXX XXXX XXXX account number : XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX  account number : XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX account number : XXXX XXXX account number : XXXX According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 1 ) ( A ) states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

further more i wasn't notified within 5 business days that my dispute was being investigated. According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 2 ) ( A ) states thatThe consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I now Demand for the above accounts to be removed from my credit report as fast as possible
Complaint sub-issue: Account status

Items that are paid and closed are being reported as a 'Charged off ' status, and continue to report late payments although accounts are closed. In fact, a XXXX XXXX account that was paid in full and closed in XXXX is still reporting on credit bureau ; to be exact last reported in XXXX. 

Please review attached credit bureau and review the highlighted items. I believe this is unfair reporting and is causing me a lot of paid. 

Thank you for your attention to this matter!
Complaint sub-issue: Denied loan

Payment have been made since XXXX it was {$33000.00} and has a current balance of about {$11000.00} Some charges are XXXX XXXX old and qualify to be challenged
Complaint sub-issue: Attempted to collect wrong amount

I had a payment arrangement in place with Bay Area Credit Service. I have a letter dated XX/XX/XXXX that states my current balance as XXXX. I gave Bay Area Credit Service my debit card number and agreed for them to deduct XXXX each week toward the balance. My bank account statement shows six debit transactions where Bay Area Credit took XXXX each time for a total of {$300.00}. This was not the agreement. My account shows the first debit was taken on XX/XX/XXXX, then each week after that until XX/XX/XXXX which was the last debit transaction. I called Bay Area Credit to settle this issue. The first day, XXXX XXXX, XXXX, I called I was transferred to a supervisor named XXXX. He told me to fax over the documents or bank statements and he would be happy to refund the money. I faxed the documents in that very evening. I had not heard back from XXXX after several weeks so I tried calling back and every time the phone agents tell me that XXXX is unavailable and any other supervisor for that matter. I am lead to believe that I am being avoided. I have called at least 10 times and each time they tell me to call back in 15 minutes or call back in one hour, the supervisor is not available. I asked them to have him call me, but they say they can not promise me that he will.
Complaint sub-issue: Public record information inaccurate

XXXX Equifax - 1st Dispute letter for credit file discrepancies/inaccurate information XXXX Equifax - RE : Request to provide Method of Verification XXXX Equfax - 3rd and Final Notice to Cure XXXX XX/XX/XXXX -1st Dispute letter for credit file discrepancies/inaccurate information XXXX XX/XX/XXXX XXXX RE : Request to provide Method of Verification XXXX XX/XX/XXXX XXXX XXXX and Final Notice to Cure XXXXXX/XX/XXXX-1st Dispute letter for credit file discrepancies/inaccurate information XXXX XX/XX/XXXX- RE : Request to provide Method of Verification XXXX XX/XX/XXXX - 3rd and Final Notice to Cure The credit reporting agencies have failed to removed inaccurate address, phone and account information, including bankruptcies public record that were reported by a 3 party and not the original creditor, that is hindering my ability to conduct commerce and re-establish credit for housing and job opportunities including my spouse ( XXXX XXXX XXXX XXXX whom has given me authorization to dispute items on her report as well. ( See Complaint # XXXX / # XXXX / # XXXX )
Complaint sub-issue: Account information incorrect

Flagship Credit Acceptance is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Section : States a person shall not furnish any information relating to a consumer to any reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took too long

Collection on my report. Will not remove after notifying this was in bankruptcy. Disputed more than 30 days ago.
Complaint sub-issue: Account status incorrect

XXXXXXXX XXXX  i paid off in full - still showing in collections
Complaint sub-issue: Attempted to collect wrong amount

Citibank N.A negotiated with me a cancellation of debt in XX/XX/XXXXon a consumer revolving credit line, and I reported the amount as income on my tax return and paid any tax 's due.

I was provided a XXXX  with remarks " Cancellation of debt '' and " discharge of debt '', and further a letter from the Vice President saying that they will not longer attempt to collect the debt. I have sent both of these to Citibank N.A.

Fast forward to XX/XX/XXXX, Citibank N.A is now reporting the account on my credit reports as 90 days late every month all the way back to XX/XX/XXXX, with the entire balance still due, and refuses to remove the information and tells me only that I can pay them the full balance due as the debt is now still valid. What a scam!

The only representative that I was able to contact me hung up on me, when I was politely asking questions and sharing my proof that I have in writing.

I need the CFPB 's assistance as this is damaging my credit and potentially costing me huge amounts in higher interest rates due to Citibank 's wrong information.
Complaint sub-issue: Right to dispute notice not received

In XXXX i owed XXXX XXXX XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated Johnson mark llc tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my equifax work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and Johnson mark llc documentation reads johnson riddle mark llc, in XXXX? This firm hasnt been johnson riddle mark for a while only johnson mark llc? I got ripped off big time!! I have documentation to support this, and can send copys by email. Also XXXX XXXX responded to XXXX complaint and they stated in a letter that {$35.00} was refunded to me on XXXX/XXXX/XXXX for the garnishment that was completed on XXXX/XXXX/XXXX???? Ummm that dont make any sense
Complaint sub-issue: Other problem getting your report or credit score

I have attempted to get my Equifax credit report disclosure by contacting them directly on XX/XX/2021, I was not successful. My internet ( online ) service is spotty to obtain the free annual weekly report online. I have lived at the same address for over 8 years, have not placed any fraud alerts on the report. Further, I have been successful each year having a credit report disclosure sent to me. 

Having an automated recording telling people to send a letter with identity documents is not very smart during Covid, especially, when a lot of people have immune compromised health systems.
Complaint sub-issue: Debt was result of identity theft

I contacted this company informing them that this debt is a result of identity theft and they need to investigate since I know I have never been to this medical facility but ignored my requests or remove this item from my credit report. This collection company needs to do a little better to respond and help consumers fight these fraudulent accounts
Complaint sub-issue: Company closed your account

I have a checking account at the Citibank since XXXX. 
My status is Citigold.

Last week I tried to logg in into my account trought the mobile and I couldnt. Inmediately I called to the Citigold Customer Service line and one of the representatives informed me that they will replace my debit card. 
My debit card never arrived to my home. 
Saturday XX/XX/XXXX I called again and I had been noticed that my checking account was closed and when I asked the reasons, they said that cant provide any information by the phone and I needed to talk in person at the branch. 
Today Tuesday, XX/XX/XXXX I showed up at the XXXX XXXX in Florida and one of representative told me that she didnt know why my account was closed. She sent an email to Citibank and then called me to say that the account was closed and she doesnt know exactly the reason. 

Problems : 1. I never received a letter or phone call to let me know they had intention to close my account. No one asked me information or send me a questionary for anything in the last 4 years. 
2. I already gave some personal checks to pay association fees, assetments and other concepts to different persons and companies and now all this payments will not be executed.

3. My reputation, my honor and my credit records will be affected without any reason.

4. I spent three full days trying to solve this problem and I lost time and money. I need to spend more time to rebuild my financial structures ( account, automatic debits, payments, history, etc ) 5. I feel discriminate due the City Bank representative dont explain me or give the reasons to close my account. I am very responsable person, I opened my account ten years ago, because I thought it was a serious entity. I expect that the Bank reconsider this resolution that causes me economic and moral damage.
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/XXXX I decided it was time to repair my credit and buy a house. I had several outstanding credit card collections that needed to be paid off. 
XXXX XXXX XXXX had three of those collections. In order to pay off all my collections I took out a high interest personal loan at the end of XX/XX/XXXX. On XX/XX/XXXX I called every single collection agency on my credit report and paid every one of them with the exception of the one in question. 
On XX/XX/XXXX I paid XXXX XXXX XXXX for 2 of the three collection accounts. 
First one was for {$290.00} and the second was for {$740.00}. 
The XXXX one I couldn't pay, they told me that because it was already entered in a Judgment, they couldn't receive payment. I called every payday from XXXX until the end of XXXX trying to pay this debt and finish my credit repair. Every time I called I was told its still in the legal department and can't make a payment. At this point I was starting to get upset and frustrated with XXXX XXXX. In early XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX of XXXX XXXX in XXXX Arizona stating the XXXX XXXX XXXX " acknowledges receipt of goods '' and was " a full satisfaction of judgment ''. 
Fast forward to today, XX/XX/XXXX, I am in the middle of a home purchase where escrow closes on XX/XX/XXXX and my lender called me to say XXXX XXXX is now saying I owe them {$1200.00}. We ( mortgage company and me ) thought that with the letter from the court they would fix this. I argued on the phone with a XXXX XXXX rep for over an hour. I finally was so upset that I said I would just pay the balance because I need to get this fixed so I can move forward with my home purchase. I was then transferred to XXXX, what they keep calling the legal department at XXXX XXXX. I explained to the new representative that I just wanted to pay the balance. He looked up my account and then asked " you live in Oregon? '' I said " yes ''. He then proceeds to tell me that he can not accept payment because XXXX is not authorized to collect in Oregon. 
I am making this complaint because it is urgent that this is taken care of or my home purchase could fall through and I already gave my landlord my 30 day notice back on the XX/XX/XXXX. I am desperate and have really been trying to pay this for almost a year.
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/2018 I wrote to XXXX, XXXX and Equifax including some collection agencies that were on my credit report. In XX/XX/2018 I also submitted a complaint through the CFPB portal about some issues I was having with these bureaus and agencies. I however had gotten responses from the bureaus and these negatives that were impacting my credit report and scores were resolved and taken off my report. 
I was in the shock to see one of those negatives that were taken off my credit report reappearing on my report in XX/XX/2018 which is about 4 months after all this was cleared up. 
I am now seeing a reappearance of a collection on XXXX And Equifax in the name of a XXXX XXXX with an amount of {$620.00} and account # XXXX. I can not understand the return of this figure on my credit report with a totally different name that I am not aware of. 
I would like this inaccuracy to be cleared up and removed from my report as the negative report affected my credit scores dramatically and I would like to move forward.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : 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/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Complaint sub-issue: Other problem getting your report or credit score

paid for three bureau report and didn't receive the reports but was charged XXXX and the site gave me an error and still charge me would like a refund.
Complaint sub-issue: Information is not mine

I disputed inquiries that were not made by me however i have not heard back from equifax
Complaint sub-issue: Debt is not yours

I recently saw a collection on my credit report for IC systems. I contacted the collection agency as I do not use " XXXX '' which was indicated as the debtor. Where I live we use XXXX. I told them I disputed the account, but they insist it is mine and are unable to provide documentation it is mine. I even reached out to the reporting agency and was told by them that IC System " verfied '' it. However, not one piece of documentation can be provided for what this actually is.
Complaint sub-issue: Information is not mine

My personal information was stolen during a break in on XXXX XXXX, XXXX. I have a police report and my ssn, id, and birth certificate was taken. This is not my inquiry and it is fraudulent and needs to be removed. XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX,
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

I am making you aware of this because current law does not provide for egregious and damaging score reporting unsupported by statistical evidence. A years -long perfect credit history recently was marred by a mistake by an ex spouse still with an open shared account for which she is responsible. 

The resulting delinquency resulted in a FICO drop of over 100 points. There can not possibly be any statistical or actuarial evidence that this represents actual credit risk. 

I intend to file against the credit reporting companies regarding this if it's not corrected, and want you to note this is an XXXX. 
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