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

XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have disputed the late payments on XXXX XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX   XXXX accountsfor months. The credit bureaus never reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please this has hurt my credibility..
Complaint sub-issue: Reporting company used your report improperly

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Information is missing that should be on the report

I submitted a dispute with XXXX for reporting a inaccurate balance on my Discover Card account. XXXX removed the account completely. I called XXXX and the stated that discover was not reporting to them- however Discover proved the were reporting to them. 

I need Discocver to show on my XXXX report.
Complaint sub-issue: Account status incorrect

My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XXXX 2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.
Complaint sub-issue: Debt is not yours

In 2017 I contacted an internet provider over the phone to set up WiFi services in my home. When the installation employee showed up he informed me he was unable to install that companys equipment due to some technical limitation on their part. Services were supposed to be cancelled. I used another internet provider, and never received any services from this company. Even so, I continued to receive bills from them, and I spent many hours calling them to dispute this, only to keep being transferred, and hung up on. Ultimately, this fraudulent account was acquired by IC SYSTEM for debt collection and reported on my credit. I never received services from this company, I am do not owe this debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX opened XX/XX/3018 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Personal information incorrect

The names and addresses showing on my credit report are incorrect and would like to get help removing this off my credit report. Please and Thank You
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my personal information, allowing it to get into the hands of those it does n't belong to. I am listed as a potential victim according to the equifaxsecurity2017.com website. Equifax did n't notify anyone quickly enough and openly admit that they wo n't notify everyone.
Complaint sub-issue: Frequent or repeated calls

After BB & T flat out refused, multiple times, to accept my method of payment, I spoke with them XXXXXXXX times stating payment would be sent before XXXX XXXX, 2017. I have continued to receive multiple phone calls asking where the payment is. Again, they refused to accept my payment before the due date and are still refusing to accept it now.
Complaint sub-issue: Reporting company used your report improperly

In XXXX 2017, the credit bureau Equifax revealed that hackers had broken into its coputer systems and stolen the personal details of 140 million Americans with credit history. According to their web site, XXXX, my private personal information was stolen during this event.
Due to the sensitive nature of the information Equifax collects as part of doing business, I believe that Equifax was grossly negligent in designing its computer systems in such a way that robust protections for that sensitive information were not in place. Their conduct is unacceptable by any standard. 

Furthermore, Equifax has entirely failed to compensate me for the risk that I am now exposed to. For the rest of my life, I will have to carefully monitor my credit and pay for tools like credit freezes in order to reduce my risk of identity theft.
Complaint sub-issue: Information belongs to someone else

This account does not belong to me. The information is inaccurate. Please block and remove per 15 USC 1681c-2.
Complaint sub-issue: Their investigation did not fix an error on your report

Account # XXXX - XXXX On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for XXXX has not been updated. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. The charge off was not updated as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to " verify '' the accounts I disputed. Being that they have gone past the 30-day mark and CAN NOT verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information in which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Complaint sub-issue: Account information incorrect

XXXX, EQUIFAX AND XXXX are reporting incorrect information for an account : company name, account numbers, balances, and payment histories are wrong.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX {$1000.00} XXXX XXXX {$2600.00}
Complaint sub-issue: Information belongs to someone else

I submitted a complaint last XX/XX/2022 to remove : ( ), which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4000.00}
Complaint sub-issue: Debt is not mine

In XXXX of 2014, I had emergency surgery. I had XXXX XXXX health insurance at the time of the surgery. XXXX paid all claims submitted by providers. XXXX provider, Colorado XXXX XXXX, says they repeatedly submitted a claim to XXXX but the claim was denied. XXXX 's records show no claim was ever submitted by Colorado XXXX XXXX. The medical provider acknowledges they had complete and accurate insurance information for me and that I did my part of the process as a consumer. The medical provider did not perform their due diligence in submitting the claim in a timely manner. Once one year from the date of service had passed, they say they sent me a bill. I did not receive a bill from them and doubt the bill was sent ; it seems that they claim to have billed me the same as they claim to have submitted to XXXX, but no record can be found. They sent the account to collections and say I was notified, but I can locate no record of notification. 

On XXXX XXXX, 2015, I was served with a summons indicating I am being sued for the amount. It should be noted the summons was dated XXXX XXXX, but not issued until a full month later. Once I received the summons I contacted XXXX and Colorado XXXX XXXX. XXXX asked that the company resubmit. The staff member at Colorado XXXX XXXX assured me they would resubmit the claim. They did not. I had to contact the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX for assistance. They were able to review XXXX claim logs for the entire year and verified that the medical company had not ever submitted the claim. They will not submit now, which is needed for XXXX to issue me a statement of benefits showing I owe them nothing. 

Now, I am being sued for the amount of the bill, collections fees, and court fees. For something that is the fault of the health care company not following procedure. I am livid that I have no consumer protection from this sort of senseless lawsuit when I had insurance that would have paid the claim if it had been submitted.
Complaint sub-issue: Information belongs to someone else

Dear Sir, I'm writing in response to your letter dated XX/XX/XXXX that I received from the Consumer Finance Protection Bureau, a copy of which is enclosed for your reference. 

In your XX/XX/XXXX letter you claimed that the photo of my New York driver 's license matches your record of a Kansas driver 's licence that you have on file. Please provide me with a copy of that drivers license as I am certain that the loans were the product of fraud. 

Last time I ask for your document to prove that the loan belongs to me, you have sent over a foreign passport of a XXXX national ( the passport does not belong to me ). Also, please confirm for whether your records indicate that this loan belongs to a Kansas resident ( US citizen ) or a XXXX national. You also claimed that you have verified the Texas address is under my name and social security number, would you mind elaborate how you did that? I never lived in Texas. 

Second, the loan you send over, per your letter, has a first application signed on XX/XX/XXXX, which was approved. But the applicant 's name is XXXX XXXX, with phone number XXXX. That is not my name and not my phone number. The second application, dated XX/XX/XXXX, was under my name XXXX XXXX, with phone number XXXX, which is not my phone number either, according to you ( if I understand correctly ) was denied. Would you please clarify, why you are attempting to hold me responsible for loan applications under two, different names, one of which is not my name. 

To be clear, I believe that your files are either mixed up or I am a victim of identity theft. In addition to the Kansas drivers license requested above, kindly send me all promissory notes and loan applications. 


Thank you very much for your time. 

XXXX XXXX
Complaint sub-issue: Problem accessing account

On XX/XX/2020 PNC made a change that prevented me from being able to sign up for any apps requiring my checking account, specifically XXXX. I need access to my financial data and am unsure why they are preventing this.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Account information incorrect

I am supplying documentation/proof that " LENDINGCLUB '' was paid in full.

Please find a copy of the check made to LendingClub. LendingClub cashed the check on XX/XX/2021. 
The amount of the check ( {$2100.00} ) satisfies the amount due at the time which was {$2100.00} ( Credit reporting rounds up to the nearest dollar ). 
I also attached a copy of how this LendingClub account is reporting to my credit. 

Please rectify the reporting balance to zero OR delete the account entirely. This is a complete error and in violation of FCRA Rights.
Complaint sub-issue: Talked to a third-party about your debt

They call everyday at a number that waa not given to them and third party about debt
Complaint sub-issue: Account status incorrect

I filed a previous report # XXXX against equifax and they have since removed the inquires and updated my credit file per the myequifax.com checked today. I found that things that were previously disputed that were corrected and/or deleted has reappeared due to my complaint. Please have this information to go back to the statuses it was as we have been through this battle before for 2 years. 
1.XXXX  xxxxxxxxxxxx XXXX reappeared showing open and reporting and bad rating on XX/XX/XXXX this was discharged XX/XX/XXXX and should not have been on my profile after that date. 
2.XXXX  XXXX shows a charge off this was paid and the creditors agreed to delete, and it has reappeared with inaccurate information. This was also for a medical debt and was paid. Credit rating is incorrect for the 4th time I am dealing with this. DELETE and keep it deleted 3.XXXX XXXX XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 4.XXXX  XXXX  rating is incorrect never been 60 days late remove incorrect history 5.XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 6XXXX XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 7.XXXX XXXX  # XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 8. XXXX XXXX # XXXX reappeared 7 years since first delinquency is included in XXXX DELETE These items are things that was already disputed and correct the beginning of XXXX and now has reappeared and/or incorrect. Please delete this inaccurate information
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XX/XX/2020 I submitted a dispute threw XXXX and XXXX  about the collection I have on my credit report ; from Enhance Recovery Company, the collection agency for, the amount of {$1400.00}, from XXXX XXXX. The XXXX collection was originally under another collection agency ; from XXXX  XXXX  ; for the same amount {$1400.00} from XXXX which they did remove the balance owed. I then received a letter stating they sold the collection account to a different collection agency, and there is a balance due, and was placed back on my credit report.
Complaint sub-issue: Account status incorrect

CFPB + Equifax, I am filing a complaint based on my XX/XX/2022 Equifax credit report - there are 7 items in which I am disputing. 

Attached to this complaint are : drivers license social security card mailing address my written complaint my credit report dated XX/XX/2022
Complaint sub-issue: Account information incorrect

Balance account paid no charge off or balance owed.
Complaint sub-issue: Information is not mine

I did not authorize the credit inquiries that are listed on my Equifax Credit Report that I reviewed on XXXX/XXXX/2016. Please see pages XXXX of the attached credit report. Due to the rising incidences of identity theft, I would like the unauthorized inquiries investigated to determine who authorized them. I would also like the unauthorized inquiries deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to my credit report.
Complaint sub-issue: Information is not mine

I logged in to XXXX and noticed there was a hard inquiry from cbna. The date was the day I went on vacation but I never ran my credit. This information is incorrect and needs to be removed asap.
Complaint sub-issue: Problem getting report or credit score

I am unable to access my equifax credit report. I have been denied credit because of the inability to pull the credit report. I am applying for a mortgage and can not gain access to my report. I have called numerous times to no avail. I filed a complaint here an it was fixed for approximately a week, then again reverted to not being accessible. I have purchased there product to protect my credit. They continue to charge my account {$19.00} even though I am unable to access my reports. This needs to be rectified, so I can access my report for a home purchase. I was not even able to access their reply to my first complaint. I need a call from the executive office to explain why this continues to occur. It is an error on their part with their software. I plan to hire an attorney if this is not corrected permanently. I am aware of multiple other people with the same problem and believe a class action law suit would be in order. This must be fixed.
Complaint sub-issue: Didn't receive terms that were advertised

I signed up for a checking account from Citibank with promo code XXXX. The terms were to deposit $ XXXX and keep it in the account for 60 days, then they had 90 days to pay out the {$400.00} bonus. The 90 days are up and I am not confident in this bank following through with the bonus. 

I opened the account XX/XX/XXXX and deposited {$30.00} as soon as I was able to I deposited {$15000.00} on XX/XX/XXXX and took $ XXXX out on XX/XX/XXXX. The 90 days has expired to pay the bonus, I have chatted 3 times online and it appears they just tell me to check back. The last time they gave me a number to call and fill a bonus resolution, which is where this is right now. I don't have confidence they will follow through as I have looked online and they have a history of these bad business practices.
Complaint sub-issue: Right to dispute notice not received

An illegal collection account was placed on my account from CKS Financial. CKS Financial states they are collecting for " XXXX XXXX XXXX. '' I contacted XXXX XXXX XXXX and they state they have ever had an account for me. I contacted CKS Financial with no response. I have also sent a debt validation to them. My address on my credit reports has been up to date, my phone number has not changed. I have not received any communication from CKS Financial and now they are listing a {$330.00} debt on my credit report illegally. I will also be filing a police report related to this incident.
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 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

This company check my credit 5 time on 1 month adding to my credit 5 hard inquires with out my consent
Complaint sub-issue: Contacted your employer

XX/XX/2007 {$1000.00} I was making payments and I went through some financial hardship and wasn't able to make payments. debt collectors called my employee when I told them not to.