Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

XX/XX/2019 COMERICA BANK, REPORTED ACCOUNT ABUSE on XXXX. I had direct deposit every other Friday on my account. The night before my deposits would hit they would access charges on the account. I have called them and they did credit some moneys back but it would continue to happen and no one in the bank could figure out what was going on with my account. I soon had to close it and get another account at another bank so that I would not keep getting those unknown charges accessed on my account. I then received an CLOSURE STATUS WITH A BALANCE OF {$330.00} THAT HAS BEEN ACCESSED ON ME. No one in the bank would try to explain to me where these charges are coming from. I would like this dispute reviewed and this be taken off the XXXX
Complaint sub-issue: Personal information incorrect

Credit Karma Refuses To Update My Credit Report/Account Claiming They Are Waiting On XXXX  To Send Them The Updated Information. ( It's Been Three Weeks ) I Have Talked To XXXX   Several Times In That Time And They Have The Correct Personal Information And Have Confirmed They Have Already Given Credit Karma My " Updated '' Information, It's Only Credit Karma That Is Refusing Handle The Problem Properly To Correct My Account/Credit Report.
Complaint sub-issue: Information belongs to someone else

It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my credit/life. This is an immediate secondary request for removal and blockage of incorrect information. 

There seems to be a high-level of incompetence at this company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit and my account has zero inquiries. Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once!
Complaint sub-issue: Information belongs to someone else

This student loan does not belong to me Im a XXXX so this is not my debt its saying the account was paid in full but I need it removed
Complaint sub-issue: Public record

Have a state tax lien that is not mine I already disputed on the XXXX credit bureaus and called the franchise tax board and as of last week the clerk said the lien would be removed in 104 days and she verified the name of my ex husband and his address as I believe he is the one who committed this fraud XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX XXXX XXXXt is showing up on my report. I had an agreement saying that my arrears should be off my credit report. It should be in the courts records this matter should of been solved.
Complaint sub-issue: Information belongs to someone else

Discover has bill me and I've never had an account with them. The company is unable to find said account with my information and says the credit companies have to contact Discover to resolve the issue. However when I tried to issue a complaint I was unable to give an account number since I've never had an account. So, I told they can't do anything without an account number. How then can this be resolved since the company can't identify me with my name, address, and full social security number. They only continue to contact me by my telephone number. I can't send any documents because I only have this account showing on my credit report without any explanation as to how it got there and where did Discover get my telephone number, name and nothing else.
Complaint sub-issue: Other problem

I have had four credit cards with Citibank for many years. I have always paid my bills on time and never missed a payment. I was extended a good deal of credit over the years ( over $ 15K ) and have used and paid that off several times. Recently, Citibank decided to reduce my credit line with all four of my cards, which in turn affected my credit to debit ratio. They reported the reduction to XXXX, and now my credit/debit ratio is terrible! They took away around $ 12K in credit. I have called several times to ask why and I just get the run around and am told that " we reviewed your credit report and your credit/debit ratio is too high. '' It's only too high because Citibank reduced my credit for no reason. I have a pretty low balance on all cards currently and am still paying them off each month religiously. 
They have also raised my interest rate from 0 % to 23 %. 
This will affect all my other credit on my report and look bad, when in fact I had nothing to do with their decision. 
Please look into this for me. 
I appreciate your help. 
XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes and XXXX reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Complaint sub-issue: Debt was paid

Company continues to try to send me bills for medical debt which i am onXX/XX/XXXXI provided them the XX/XX/XXXXid number. I am attaching my medical card which shows I have been insured since XX/XX/XXXX. The collection was updated XX/XX/XXXX after providing evidence of insurance.
Complaint sub-issue: Information is missing that should be on the report

Have tried to contact Citi Bank by phone and email to pay on past due credit card account account they have not responded we do not want to pay to collection only to Citi Bank who the money is owed to We also want credit reporting agencies to know we have tried to reach out to Citi Bank to pay on this account and Citi is refusing to talk to us we want to dispute because Citi will not give us a chance to pay or repair credit this is not fair to reflect bad on credit and they will not work with us
Complaint sub-issue: Attempted to collect wrong amount

I have an account with XXXX XXXX during the time after I would make arrangements I would still get calls from someone else that had no idea what the arrangements were this continued or they would change the amount I would pay and my account would default. I assume that they had so many people handling a lot of accounts and really did not know who was in charge in one week I have 7 different representatives contact me with 7 different terms and one rep did not know what the other rep was doing which is really sad. So I finally got one person this I thought well I signed a contract where my debt was {$1500.00} less and we settled for {$4500.00} with payments of {$180.00} per month. I did not hear from them after this so I thought this was the end of that well. I did not sign something and had to redo the contract so hopefully the {$180.00} would come out. Well that did not happen and I ended up being contacted by I.C. Systems Inc saying I owe {$5900.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I noticed XXXX charges on my card that were not mine. I immediately called Citi and after a few transfers I spoke with a very nice gentlemen and we went back through all XXXX charges for a few months while I looked in my XXXX app and figured out which ones were mine and which were fraudulent. I only had a couple that were mine this year. They cancelled my card and sent me a new one. A few weeks later I noticed more XXXX charges. I called again and spoke to some who said she would dispute them and did not need to issue a new card because the charges were still coming in on the old number but I would not see any new ones. A few days later and four more XXXX charges I called again and asked to speak to the fraud department directly. I was transferred multiple times. Then an incredibly rude woman asked me some question about my phone and personal things then said she was done. She then said this information would be passed to Citi. WHAT?? That set me off. I said you just asked me all of those personal questions and you don't work for Citi? After almost an hour on the phone she hung up on me. I can't believe I gave all that info and she was a third party. Citi should absolutely disclose that. Here we are the next day and two more XXXX charges are charged to my account. There are now 19 charges and counting totally over {$1200.00} and noone from Citi will do anything about it. She didn't even offer a new card she just simply hung up on me. Citi Bank has the WORST customer service and can't seem to even rectify a simple situation. Hanging up on me after 53 minutes of waiting on hold. UNREAL.
Complaint sub-issue: Problem with personal statement of dispute

Equifax and maryland child support credit report showing inaccurate information in reference to child support payments where never late and are directly taken from pay once a week since court order
Complaint sub-issue: Information is missing that should be on the report

Equifax is allowing several accounts to remain on my credit without deleting. 

XXXX  XXXX : No credit limit being shown on paid off credit card. This needs to be deleted XXXX XXXX : This account was paid & its showing the last active date was 2018 which means that Equifax never even investigated this issue. Delete from account
Complaint sub-issue: Old information reappears or never goes away

Equifax : ( multiple complaint ) 1-a PAID/CLOSED account keeps 'reappearing ' on my EQUIFAX report. 

2- the amount belongs to another creditor. 
wrong entry : XXXX XXXX XXXX  = {$200.00} correct info is : {$200.00} XXXX XXXX XXXX XXXX XXXX  paid years ago. 

3-Equifax sent an email link that claim it couldnt verify my information, BECAUSE they had the INCORRECT INFORMATION. 

Name spelled incorrectly/ Occupation-incorrect
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I provided the documents that were requested from me. The credit bureau informed me that it would take 48 to 72 hours and the file is not updated.
Complaint sub-issue: Account status incorrect

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter XXXX, XXXX and EQUIFAX in regards to these accounts on XXXX, XXXX, XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2021. I have not received a report and XXXX, XXXX and EQUIFAX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureaus keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Account status

I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditors collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
Complaint sub-issue: Account information incorrect

I pulled my credit reports and I'm showing two missed payments on my credit from Discover SL. I am still in school and am not due for repayment right now. I've spoken with them numerous of times and they promised to update and remove those missed payments and they have yet to do so. I am frustrated at this point and have no idea who else to help me besides filing a complaint.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX - # XXXX 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 15 U.S.C. 1692C 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 DID NOT GIVE XXXX, XXXX, EQUIFAX WRITTEN INSTRUCTION
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX Balance : {$390.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/1980 To Whom it XXXX concern, I recently challenged the validity of XXXX XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 
Best Regards, I have attached my ID to this letter.
Complaint sub-issue: Reporting company used your report improperly

Equifax shared my personal data and info allowing identity theft
Complaint sub-issue: Received bad information about your loan

I called in XX/XX/XXXX to inquire about a forbearance form. They mailed me a form and I filled it out and mailed it back. I called to follow up upon receiving another months bill ; to which I was told I didnt include the co-signer information ( mind you, no where on any of my bills I receive nor anywhere on the user portal online logging in does it show or demonstrate that these two loans have a co-signer ). So they mail the form again and I fill it out again, this time including my co-signers information. I follow up on XX/XX/XXXX and was then told that they had me fill out the wrong forbearance form. I attempted to inquire about this issue and was given the runaround. What forbearance form did I fill out? What one was I supposed to receive? The forms were mailed directly to me by AES so how could they get this wrong twice? They tell me they will mail me the correct form and it is now XX/XX/XXXX and I have yet to receive the new form so I called again today and they had no clue about why I didnt get it. Well now its coming up on 60 days without payment because the forbearance was supposed to have started on XX/XX/XXXX whe. They received the form the first time I filled it out. Please help get this company to do right!! This is so wrong that I keep getting the runaround and have to re-do things
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently reviewed my credit reports and noticed some errors. On XXXX XXXX, XXXX I wrote a letter to the Equifax credit reporting agency to investigate these errors. The error in question is related to credit inquiries which do not fall under the allowed " permissible purpose '' as described by the Fair Credit Reporting Act 15 U.S. Code 1681b. On XXXX XXXX, XXXX, I received a response back from Equifax indicating that an investigation had been done. The investigation results only stated that the inquires are " a factual record of file access ''. with no further information provided. The results of the investigation that I received does not follow 15 U.S. Code 1681i - Procedure in case of disputed accuracy describes in detail the procedure that is supposed to be used for proper investigation or errors by Equifax.. As described in the Fair Credit Reporting Act, I asked for Equifax to supply me with - the name and title of the person that requested my report - the date that I allegedly gave permission - And the method that I the creditor claims that i allegedly gave permission. I asked to include documentation. ( none received ) Instead in the response I received from Equifax, I was asked to contact the creditors in question. ( essentially, I am the one being asked to conduct the investigation! ). No further information was provided. This does not follow 15 U.S. Code 1681i -  Procedure in case of disputed accuracy of the Fair Credit Reporting Act which Equifax is legally required by law to follow. In light of this, I am appealing to the CFPB to intervene. Thank you.
Complaint sub-issue: Other problem getting your report or credit score

Equifax froze my entire account without my permission or knowledge. When I tried to get a personal loan through my credit union, they could not run my credit because they said it was frozen. I called XXXX and spoke with a supervisor named " XXXX  '' She told me that the system would not allow her to " LIFT THE FREEZE '' and then she went through this whole litany of things I have to do like fax her a copy of my Nevada State I.D . Social Security Card etc. THIS IS UNFAIR BECAUSE I NEVER REQUESTED MY CREDIT TO BE BLOCKED OR FROZEN. EQUIFAX GENTERATED THIS ON THEIR OWN. I am a XXXX year old XXXX XXXX Veteran, and do not drive or have access to a fax machine. Meanwhile, I'm missing out on a good loan with XXXX XXXX XXXX XXXX. I even joined Equifax XXXX per month to circumvent this issue. As soon as I paid for the service, they showed me my credit score, and told me it was open. However, when the loan officer from XXXX XXXX  went to run it, it showed " Frozen '' again! This company is stressing me out and making me sick. I can not get through to them and they make it very difficult for the consumer to do business with them! Please help! Thank you!
Complaint sub-issue: Account information incorrect

I check my credit scores quite often and noticed that my credit scores had dropped a couple of days ago. I paid all my bills on time and did not understand why my credit scores had dropped so low in a couple of days. I contacted Equifax on XXXX XXXX, 2017 to check my report and was told that I may have been affected by the data breach. I contacted the other agencies to put a alert on my account.