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

At the end of XX/XX/XXXX, XX/XX/XXXX, I reached out to my lender, XXXX XXXX XXXX XXXX to request a forbearance agreement due to hardship caused by COVID-19. XXXX granted me a 3 month forbearance and assured me that this would not report negatively on my credit. Towards the end of the 3 month agreement, I reached out again to XXXX  to ask for an extension of the agreement as I had decided to sell the house and XXXX agreed to provide me another 3 month extension through the end of XXXX and explained to me that after this extension, if I had not sold the house, we would discuss additional options to help me if we needed them, which I was thankful for. In early XXXX, I received a notice from my credit monitoring service that said XXXX reported me as 90 to 119 days late, which promptly lowered my credit score by 90 points across all three bureaus. I immediately filed a dispute with all 3 agencies explaining that this was not 90 to 119 days late but a forbearance agreement that should NOT report late on credit. I also called XXXX who promptly admitted to me that an error occurred in reporting to the bureaus which they would correct. Essentially, XXXX reported me late accidently. They told me they would process they correction to the bureaus. Today, XX/XX/XXXX, I received a notification from Equifax that they confirmed 90-119 days late on my mortgage and my credit report remains negative 90 points from where it was. I called XXXX and they told me that they made the correction on XX/XX/XXXX and they considered the matter closed. When I told them that Equifax was still reporting me late, they told me to take it up with Equifax or call a credit repair agency, which makes no sense since I am not trying to repair my credit, I am trying to get a reporting error resolved. I did call Equifax and they told me that indeed they were still seeing 90-119 days late being reported by my lender and that they had not received any correction from them. they told me to dispute this again, which I have done again. I do not why this is continuing to happen. I have been proactive in trying to sell my house and protect my credit by asking for help, and although I was granted the forbearance, which I greatly appreciate, my credit report is now reflecting an erroneous status that greatly impacts my future credit worthiness and no one is willing to resolve it. I need someone to step in and actively help me.
Complaint sub-issue: Problem with statement of dispute

I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX ), inquiries, etc are not mine. I am livid, XXXX that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX, Department of Education, Walmart and Discover 2016 this is it ... XXXX was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX Tx, and have only had a XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.
Complaint sub-issue: Billing problem

I leased a XXXX XXXX XXXX, with XXXX XXXX and my lease was up in XXXX of XXXX. My lease payments were with US Bank. I asked for an extension, and was granted up to 6 months ( XX/XX/XXXX ) It was explained to me that it could be turned in at any time during those 6 months but that XX/XX/XXXX was the deadline. I went to lease a new vehicle in XX/XX/XXXX and turn my vehicle in. I spoke with the dealership the week of XX/XX/XXXX, at which time they contacted US Bank for the payoff amount. It was {$16000.00}, that amount was to be good til XXXX XXXX, which XXXX sent the check to US Bank on Monday XXXX, dated on that day, and they had told US Bank it was in mail. 
I clarified with XXXX, finance person, at XXXX on XX/XX/XXXX when I turned vehicle in and picked up my other lease, that it was being paid in full, and he said yes, I was clear, I owed nothing more. 
Then on XX/XX/XXXX US bank took an automatic withdrawal car payment out of my checking acct. I called to tell them I had turned it in and was given the all clear. They stipulated that they did not receive the check in time. But the check was received for {$16000.00} they amount for payoff that they quoted. So they essentially received full payoff and an additional payment of {$210.00}. When I first contacted, and they said I needed to file a formal dispute but that it ( {$210.00} ) would likely be returned when they caught their error. Filed dispute with them per XXXX. 
I received a letter saying my dispute was denied. I called and filed a new dispute ( per XXXX ), she seemed to completely understood the issue and said " she just didn't think that it had been adequately explained in the first dispute, but that she would better explain it, the best she could in the space she had on form ''. She was in agreement that they received the check and it was for payment in full and that another payment should not have come out. She said they were required to notify in 7 days and gave me a tracking number. I had not heard after 7 days ( and have not ever received 2 denial letter in mail ) so I called and spoke with XXXX, he reviewed the file and laughed saying " I was denied again '' and explained they probably would not be returning the money. I further explained that they accepted the {$16000.00} as payment in full and shouldn't have taken any more money, that my lease was definitively over on XX/XX/XXXX as it had been thoroughly explained to me it could go NO further. And that I had turned vehicle in on XX/XX/XXXX. He said I could file a 3rd dispute and I said I wanted to do so, he laughed again saying " good luck ''. He said he would file it but would also, connect me with the " end of term dept ''. He then hung up on me. And he never filed the 3rd dispute. I have also, spoken to XXXX and the called US Bank on my behalf as well and gotten the same run around. I do have a copy of the email payoff quote they were given the day my vehicle was turned in. I just feel as though they not only received full payoff, as quoted, but an full additional car payment. I do feel as though I am due that {$210.00} back.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I filed a dispute for several transactions on my debit card for a company who had locked and took away my access to the digital content I had purchased and didn't issue me refunds on. On XX/XX/XXXX I submitted my written complaint to the debit card company as I was told I would have to do so in order to be considered for provisional credits. They stated my 10 business days would start the day I sent written confirmation not the day I began the dispute with a phone call. On XX/XX/XXXX when I had heard nothing back from money lion I contacted the support to find out what was going on. I was told the dispute department had additional questions I needed to anwser I replied back to those questions the following day and contacted support again on the XXXX. This time I was told because I had not answered back the requested for the questions my 10 days provisional credit would take longer as they needed more time. I told them that was the reason that law was in place to which they began giving any and all reasons why I hadn't been issued my credit. Then finally to blaming me for sending my initial written claim to the wrong dept. I sent It to the email I was emailed the claim form in. They still won't issue my credits stating they need more time. It has been 19 business days since I called In dispute and 13 since I wrote to get the credits as they require
Complaint sub-issue: Funds not received from closed account

ON XX/XX/2020 I get a email from Citibank in which it said they blocked my checking and savings account out of nowhere and didnt give me any valid reason for the restriction. Said to call a fraud prevention number, and i did, they kept giving me the run around and making me wait on long holds only to tell me they cant give me any info other than that they will be holding my funds and wont be sending me a check with my funds until 60 whole days. I have had no issues in the past with this bank and i've always banked responsibly and never mishandled a account. I go inside the branches and they repeat the samething. So because they say so, i am forced to not have access to MY FUNDS, out of nowhere, for an entire 60days? i have up to {$7000.00} in funds, combining my checking and savings accounts. I have a life to continue, this is making everything 10xs worse and overwhelming as i have a mortgage, family and more, much more bills than most. THIS IS ABSOLUTELY DISGUSTING AND UNFAIR BANK PRACTICING. I WILL BEGIN A LENGTHY LITIGATION IMMEDIATELY AFTER THE NEXT 7DAYS IF THEY DON'T RESOLVE THIS IN MY FAVOR OF RELEASING MY FUNDS!
Complaint sub-issue: Their investigation did not fix an error on your report

i am a victim of identity theft someone has used my identity i had my purse stolen from a gas station in XXXX here we are XXXX please help
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed an unauthorized hard inquiry into my credit on my Equifax Credit Report. I disputed it, and roughly XXXX days later, they said they completed the investigation and left the inquiry on my file. I told them it is fraud, and I had contacted XXXX who confirmed someone had used my SSN and Name to open an account with them. Equifax refuses to do anything further about it and is dumping the problem totally on me. The only reason anyone was able to GET my information was BECAUSE of the massive Equifax data breach -- they need to be doing more to help people who have been impacted by the data breach and have had their information stolen.
Complaint sub-issue: Reporting company used your report improperly

In accordance to Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 15 U.S.C 168 Section 602A states I have the right to privacy. 15 U.S.C 168 Section 604A Section 2 states consumers reporting agency can not function account without my written consent.
Complaint sub-issue: Investigation took more than 30 days

I am disputing incorrect accounts that are affecting my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i  ). *XXXX  / XX/XX/2020 *
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.
Complaint sub-issue: Problem getting report or credit score

I contacted Equifax after XXXX car dealerships were unable to view my credit score. They stated that it shows as zero. I requested to have the freeze/fraud alert removed and was assured that this would correct the problem on or about XXXX/XXXX/XXXX. The dealer XXXX XXXX at XXXX XXXX XXXX ( XXXX ) XXXX checked again and it still showed zero. I called Equifax again and was advised to fax in XXXX forms of to the dispute department at XXXX which I did on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. I was advised to allow another 72 hours which I did. XXXX XXXX Sales Manager at the dealership again used dealer track on XXXX/XXXX/XXXX and the score still showed as zero. I waited until XXXX/XXXX/XXXX to call Equifax again. I was hung up on 3 times via their IVR system on XXXX. I finally tried XXXX and asked for a supervisor I got transferred to XXXX @ XXXX on XXXX/XXXX/XXXX he assured me that the XXXX XXXX on my address was the reason my score was not showing up. I advised I have no XXXX XXXX in my address he stated that he removed it. XXXX XXXX tried to run my credit again on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the score still shows zero. She stated she that she can see my history but no score. When I first started back in XXXX XXXX with trying to purchase a car my score was XXXX now it is XXXX for Equifax. I also noticed that my mortgage company does not even show on my transunion nor my experian reports. The freeze was on my account for about 8 years and due to all the wrong or lack there of reporting I have been denied credit so many times and had no clue as to why. No one at Equifax ever told me that my score would appear as zero for anything if I added the freeze. I need to have my score to show up immediately so that I can continue with my purchases and stop being denied credit due to the creditors only basing my score on XXXX and XXXX which has the totally wrong and lacking positive information on my behalf. I am constantly getting the run around and very poor customer service. I was advised by XXXX to tell XXXX to check with the business side of Equifax and she stated she has had no other issues with anyone but me. Please make them fix this it is very unfair that I have been dealing with this for a month and a half and still have not got any results. XXXX XXXX stated I could use her as a contact of more information is needed from her. Her address is XXXX XXXX, Ga XXXX email is XXXXXXXXXXXX phone number is XXXX and she is the sales manager.
Complaint sub-issue: Information belongs to someone else

PLEASE SEE ATTACHED DOCUMENTS FROM CREDIT REPORT SHOWING INACCURATE ACCOUNTS. PLEASE REMOVE DUE TO VIOLATION OF THE FCRA
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, this creditor ( CBNA or CitiBank North America ) has violated my rights. Under 15USC1681 Section 602 states that I have the right to privacy. 15USC1681 Section 604-A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Complaint sub-issue: Account status incorrect

This company agreed to remove account from all credit reporting agencies if I would pay the account in full which I did. They are still report the status of the account as charge off. I had no knowledge of this account due to ex spouse and when I found out I called the company to pay IN FULL for the company to remove from all credit reports which they have not done and they still reporting negative information that is inaccurate. I have called this company numerous times and keep getting the run around. Please help me!
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32.00}, {$600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account.
Complaint sub-issue: Account information incorrect

XXXX # XXXX is reporting a balance on my credit report. This account has already been paid and the balance should be updated to {$0.00}. This is a violation!
Complaint sub-issue: Information belongs to someone else

Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : US DEPARTMENT OF EDUCATION opened XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, US DEPARTMENT OF EDUCATION XXXX XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In response to complaint XXXX Discover Card failed to respond to written request for documentation and proof to support the data being reported to the XXXX credit bureaus. This account has been disputed initially with the XXXX credit reporting agencies and came back verified each time without any of the requested documentation to substantiate the data being reported to XXXX, XXXX and XXXX. CFPB closed the complaint on XX/XX/XXXX without resolution allowing my consumer rights to continue to be violated. The initial attached letter requested under the Fair Credit Billing Act copies of the following : Original Contract with signature, Copies of all billing statements from inception reported as XX/XX/XXXX, and Full Accounting of account since reported inception until reported as charged off and afterwards. Discover after 60+days has not provided any of the supporting documentation listed above or any proof that it provided to the CRAs during their investigation. If Discover Bank is unwilling, unable, does not have accurate records pertaining to the debt, then they must remove the negative information being reported monthly to the XXXX credit reporting agencies. In response to complaint XXXX Discover wrote a letter with no supporting documentation and attached a corrupted file that could not be opened. None of these documents addresses the initial FCRA 623 investigation. How can I or anyone else including the XXXX CRAs validate or verify the accuracy of the balance, status, dates opened, closed, payment status, etc if Discover can not provide proof of the information it 's reporting to the CRAs? Also Discover Bank failed to provide written notice to me that it that furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. Another violation of FCRA.
Complaint sub-issue: Account status incorrect

I have paid off an old account on my credit report XXXX XXXX. I have sent in documentation from the company to the credit bureau showing that I have paid it off. The credit bureau is showing the account as a charge off when it is not a charge and have it down as a negative item on my report
Complaint sub-issue: Debt was paid

XXXX/XXXX/15 Medical visit should have been covered by insurance. After months of failed attempts to get doctors office to refile insurance claim, I decided to pay the bill. Check cleared my bank on XXXX/XXXX/2015 & they have now sent this debt over to XXXX Collections. XXXX advised I go back to medical provider ( the same ones who have done ABSOLUTELY nothing to assist me ) in regards to debt, even though the collections letter states to call the XXXX number if there is a dispute in validity. I offered to fax/email and requested info, & XXXX with XXXX would not accept & was of no assistance. I have now called & left a message with XXXX XXXX XXXX billing XXXX & left message complaining of this collection action & requesting contact with supervisor ; awaiting reply. I expect no help from this company in regards to resolution so I wanted to go ahead & start complaint process against the medical provider & the collections co.
Complaint sub-issue: Reporting company used your report improperly

Cfpb In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX Date Opened : XXXX XXXX, XXXX Account Number N/A Has violated my rights XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number N/A Has violated my rights XXXX Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX Account N/A Has violated my rights XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX Date Opened : XX/XX/XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

I have been impacted by Credit Karma for the past few years! They were ordered to correct the issues and all of us victims were due a settlement check which we had not received! Credit Karma is still doing the same thing that brought the civil lawsuit to the courts ; as of yesterday I have 4 pre- approval credit cards with high favor, 20 data breaches,1 password exposed. I initially submitted a claim back in 2019. I have locked my accounts on credit Karma, put security freezes in place, opted- out of pre-screens/ pre approvals. The company has been giving my credit report to companies I didnt authorize. I want them to rectify the situation, because I care about my personal and private information!