Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I have written to dispute and request to investigate multiple times to all credit reporting agencies, XXXX, XXXX  and XXXX, and Citibank, NA XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX  of each month. In this instance a payment of {$230.00} was made and credited to my account on XXXX XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XXXX of XXXX but was and has never been 30 days late. In XXXX of XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and Citibank has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XXXX of XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX  and equifax have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my business.
Complaint sub-issue: Information belongs to someone else

This creditor is in violation because they were to notify me of this by writing in 5 days prior I was not. As the original creditor only I can validate this debt. Also, This inquiry is unauthorized and fraudulent. Please delete it at once. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These are fraudulent unauthorized inquiries on my report. Please remove or send proof in writing within 30 days.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

As of XXXX XXXX, 2017, the public was notified by Equifax of a massive data breach of over 143 Million records, including SSN, credit history, and many other sensitive matters. Equifax has provided a toll-free number for assistance ( that either does n't answer, puts you on perpetual hold, or connects you to a person who can not tell you if you are affected, or not. Equifax also has provided a website to allow a person to ( 1 ) identify if they are part of the data breach and ( 2 ) optionally enroll in a free 1-year subscription to XXXX to track credit activity. Following the information request process on the website does NOT tell me whether I was affected or not -- it just skips that point entirely. And the enrollment is delayed until X/XX/2017. News services describing this event have also complained of a hidden feature of this service that may prohibit class action lawsuit and force subscriber into arbitration instead ( I would have to mail in a letter within first 30 days of sign-up, to void the mandatory arbitration clause ). This is a horrible response to their problem that was detected over 3 months ago, but made public only yesterday.
Complaint sub-issue: Information is not mine

I have mixed files on my credit report. 
1 ) XXXX XXXX XXXX XXXX ) Bankruptcy 3 ) Legal Item 4 ) XXXX XXXX
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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: Reporting company used your report improperly

I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX Account # XXXX This account was deleted form my credit file on XXXX XXXX,2021 do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX,2021. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair.
Complaint sub-issue: Account information incorrect

Upon contacting Equifax my mortgage company requested that they remove a duplicate account. Equifax removed both accounts from my file. Equifax needs to report one of the mortgages. Per the notice from the mortgage company only one account should have been removed.
Complaint sub-issue: Problem with additional products or services purchased with the loan

I purchase a XXXX XXXX XXXX from XXXX XXXX in XXXX, GA on XX/XX/XXXX. They force sold me a Extended warranty, they told me I had to take it. On XX/XX/XXXX my car shutdown on me on XXXX headed XXXX XXXX. When I had my car towed into the Dealership service Department they stated the Warranty Company said they would not cover the repairs because I neglected maintenance on my car. My Father is a Used Car Dealer, been in the Industry for 35 years and have friends who work for Extended Warranty Companies. They all said this is Fraud and both the Dealer and the Warranty Company are liable for damages. They tried to make me buy another car but right now I want to sue both the Extended Warranty Company and the Dealership for Fraud. I have reached out to a Attorney today.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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 instruction.
Complaint sub-issue: Debt is not mine

In XXXX 2015 I received a notification on my credit report that I had a XXXX collections for {$300.00} reported. I disputed the charge with all XXXX credit bureaus and it was removed because I was able to prove it was not mine. Present day, the same amount was transferred to another collection agency and once again is being reported on my credit. I have contacted XXXX XXXX and still have not received a response. I am also disputing with the current collection agency.
Complaint sub-issue: Funds not handled or disbursed as instructed

Opened checking and savings account with Citibank to receive their {$400.00} or {$500.00} Checking Offer ( " Checking Offer '' ). Requirements were to open joint checking/savings with a deposit of at least XXXX, keep this balance for at least 60 days, have a qualified direct deposit made for two consecutive months. 

Initial deposit was made through a wire on XX/XX/19 for XXXX into the checking account. Then moved XXXX to savings for a combined deposited amount of XXXX, also on XX/XX/19. The balance has been at XXXX since initial deposit with additional deposits each month. They did charge a fee by mistake on XX/XX/19 but refunded it on XX/XX/19 and stated this would not affect the promo, # XXXX. My biweekly ach paycheck was added on XX/XX/19 and has been deposited ever since. 

On XX/XX/2019 I received an email I was ineligible, stating The required deposit balances were not maintained during the offer period. I called Citi Bank the following day was said a case would have to be opened, I have not heard anything since.
Complaint sub-issue: Account status incorrect

Im a victim of identity thief someone got my information and used my credit cards and buy lots of stuff when I found out I called the company XXXX and XXXX to report the activity and I was still paying my bills until they closed the account and still wanted me to pay for something I didnt use
Complaint sub-issue: Information belongs to someone else

I am in total disagreement with Credit Bureau investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi I called the companies and bureaus many times about these unauthorized inquiries and nothing has been done. These are fraud called on XX/XX/XXXX 3 times and was hung up twice on by XXXX, called XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + Bank XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + Finance XXXX XXXX Inquiry from XX/XX/2020 + Finance Please remove these fraud inquiries
Complaint sub-issue: Account information incorrect

IC System is showing as " Open '' Account dating XX/XX/2017. I never opened any account either with IC System or " XXXX XXXX XXXX '' ( who is listed as the original creditor ) in that time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard Inquires: XXXX  XXXX  XX/XX/XXXX      XXXX  XXXX  XX/XX/XXXX   XXXX  XXXX  XX/XX/XXXX

XXXX  XX/XX/XXXX



Collections: Collection/chargeoff,  Acct #XXXX****  Derogatory /negative account
XXXX XXXXll   Acct #XXXX****  collection/chargeoff   (status) paid, negative account
Complaint sub-issue: Account terms

I went into the bank to get a loan on the credit report serviced by cbc innovis it shows that I have over {$56000.00} all on student loans on the balance, I have a duplicate student loan account XXXXXXXXXXXX x2 and XXXX separate smaller accounts which affected my credit score as well as not showing my payment history making it basically look like I have not been paying on my loans, and that the duplicate account from the same company ( XXXX ) was reported on the same dates with the same last activity, also including the same high credit/balance along with same information regarding both a past due amount on both accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

Good Day, Thanks for reading this letter, I have 2 issues my first issue is with the Equifax Reporting Agency, I was late on my XXXX XXXX Credit Card for being in the XXXX  from XXXX, for 6 months during that time my credit dropped over 100 points, I contacted XXXX XXXX and they removed my late payments with documentation, I looked at the score increase and it only went up 2 pts, I would like to know how you can take a 100, but when corrected only give back 2 pts, also I have unauthorized inquiries in which I have disputed several times asking for proof that I was the one that made those inquiries and they tell me they cant remove, this is illegal if it is not mine ... .. I feel like this bureau is not fair according to the Fair Credit Reporting Act .... The inquiries are 1. XXXX, XXXX, XXXX  XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, I did not make these inquiries nd I want proof that it was me that did I have contacted these creditors as well ... .. this company Equifax does not treat customers fair according to the law ... .. also there is a collection on my report that is not my debt I have ask for verified proof that I had a account with XXXX XXXX XXXX XXXX have disputed this item over and over this item should not be on my report, could you please look into this matter I am very sick and need my credit to get hospital care ...
Complaint sub-issue: Investigation took more than 30 days

I ask Equifax, XXXX  and XXXX  60 days ago on XX/XX/20 to remove inaccurate accounts from my credit report.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I paid off my auto loan with US Bank on XX/XX/2017. US Bank never released the lien with the CA DMV. 

In XXXX when trying to transfer the title while trying to sell the car I discovered that US Bank was still on the title as a lien holder. I am selling the car because I'm moving out of state and can not transport the car myself. On XX/XX/XXXX I requested a lien release letter from US Bank so that I could take care of this with the DMV and assumed that they would electronically communicate with the DMV to release the lien. Upon requesting the letter US Bank informed me that the lien release process would take 3 business days plus delivery time. I then called after 3 business days to make sure the letter had been sent. It had not, at which time they told me it was delayed and expected it would take 7 business days. At 7 business days I called back to check again at which point I was told it was now taking 15 business days. I called back several times after this to see if it could be expedited, but to no avail. On XX/XX/XXXX I scheduled an appointment with a US Bank branch representative XXXX in XXXX CA, who called the office in charge of lien release who relayed the message that the lien release had been sitting around but that they would get to it within 10 business days. 

Because of the almost 4 year delay from US Bank I now have to pay for car transport from California to Texas because I'm unable sell the car which has a lien on the title even though it is paid off in full. I also have the letter from US Bank stating that it is paid off in full.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several inquiries on my credit report that I have no clue where they came from. I did not give these companies permission or authorization to review my credit. I have not attempted to open any types of accounts with them either. I have attached all requested information to have this fradugelent information removed from my report.
Complaint sub-issue: Account status incorrect

I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.
Complaint sub-issue: Personal information incorrect

I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM XXXX XXXX OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Public record information inaccurate

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX Chapter XXXX Bankruptcy-XXXX-XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to EQUIFAX and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.
Complaint sub-issue: Information belongs to someone else

Not sure if this was caused by me losing my wallet, or being a victim of the dark web and/ or the Equifax data breach, however my identity has been compromised and the following accounts are unauthorized and unknown to me. Therefore, I'm demanding that these accounts be removed and blocked immediately from my credit files. 

1 ) XXXX XXXX  {$210.00} 2 ) XXXX XXXX  {$570.00} 3 ) XXXX XXXX XXXX {$5100.00} 4 ) XXXX XXXX XXXX {$380.00} 5 ) XXXX XXXX XXXX {$50.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX  8 ) XXXX  XXXX XXXX  XXXX 9 )  XXXX XXXX XXXX  XXXX 10 ) XXXX XXXX XXXX  11 ) XXXX XXXX XXXX  12 ) XXXX/ XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I attempted to get Equifax to fix the error on their end that is preventing creditors for being able to pull my credit. Im an trying to apply for a mortgage loan and the lender is unable to get access to my Equifax report. We have both contacted Equifax and confirmed there is no freezes or fraud blocks on my account but it is unable to be pulled.
Complaint sub-issue: Public record

My wife and I are XXXX XXXX members, serving in XXXX. My wife claims XXXX as a state of legal residence, and pays state taxes ; I do not. I was served with a Tax lien by the state of XXXX despite not requiring to pay state taxes. I have tried to dispute that with them, but after providing the information they requested ( Leave and Earning Statements, XXXX 's ) they said that they would resolve this issue in 30 days ( as of XXXX 2015 ) but they have not, and the remark is still on my record. Please assist in getting this cleared. Thank you!
Complaint sub-issue: Reporting company used your report improperly

My SSN and potentially other PII such as addresses, credit card # s, drivers license #, etc. were compromised as part of a cybersecurity hack sometime in late XXXX, XXXX ( per Equifax 's website ). 

Equifax itself did not notify the public of this incident ( which is estimated to affect 140+ million people ) until 6 weeks after the attack. I only came to know through indirect channels ( nobody from Equifax contacted me ).
Complaint sub-issue: Old information reappears or never goes away

All 3 reporting companies previously removed false information and are now reporting it again causing a drop in my credit score, even after they did a reinvestigation. This has GOT TO STOP!!
Complaint sub-issue: Their investigation did not fix an error on your report

Delete this account i have attached documents..This account is paid off but still reporting a balance ... this is killing my credit score i have tried multiple times to fix this with you and the original creditor and have had nothing happen. Delete this account from my report immediately ... My next step is taking this to a consumer attorney and the state attorney general.
Complaint sub-issue: Problem getting your free annual credit report

Mailed a certified letter to XXXX XXXX XXXX for my free credit reports on XX/XX/2021 which was received by them on XX/XX/2021. 
I received credit reports from XXXX  and XXXX  but nothing from Equifax. 
I contacted XXXX XXXX XXXX and they mailed me a letter saying I have to contact Equifax but I could not locate a way on the Equifax website to have the free report mailed to me. 
Can you help? 
Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Elan Financial was not removed from my credit report as it should have been in accordance to the fraud report that was filed. I would like both of the Elan Financial accounts removed from my credit report.