Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I mailed dispute letters to XXXX, XXXX, and Equifax requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.
Complaint sub-issue: Other problem getting your report or credit score

I have not been able to log into myEquifax.com for approximately a year now. I have contacted Equifax on MULTIPLE occasions and have been told by the rep on the phone that they can see why I am unable to login to their site but can't tell me. 

I have called at least a half dozen times. I received an email dated Mon, XX/XX/XXXX at XXXX XXXX advising me that " We have completed the review of your online account at www.myequifax.com and we are pleased to advise you that the login issue you experienced has been resolved. '' I have tried to log on several times, most recently today XX/XX/2020 to dispute erroneous items on my report. I still get the same error message, " We are temporarily unable to complete this request. Please try again later. '' that I have been getting for months. 

They have updated their phone system to voice only when I just tried to call AGAIN and I sniffled and it hung up on me. 

Every time I have to deal with this company it is nothing but trouble. They should be shut down after the data breach and the lack of any sort of customer service. 

It should not take months for me to be able to access my account online when they practically are forcing me to file a dispute online. Their phone system EVERY step of the way repeats " did you know you can file your dispute online at any time? '' NO I CAN'T AND IT IS A REAL PROBLEM. 

They are holding me XXXX as I am trying to secure a mortgage and I am unable to dispute items on my report as I can't log into my account online and the phone automatically hangs up on me. 

This company should not even exist after their data breech in which my data was stolen. Now I can't even dispute an item on my credit report or talk to any person about the issue.
Complaint sub-issue: Frequent or repeated calls

This company calls every day, they dont say the name correctly, wont give any other info, but say they " will do what they have to '' and say it as a scare tactic. I believe this company is trying to scam people. 
In XX/XX/XXXX alone they have called 14 times and today is XX/XX/XXXX. 
They have called XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX dead silence, XXXX at XXXX told them to stop calling & XXXX I did not answer, XXXX, XXXX at XXXX & XXXX, XXXX, XXXX XXXX & XXXX. 
In XX/XX/XXXX, calls everyday as well and in XXXX I advised them to stop calling earlier in the month. They continued to call throughout XXXX, but I did not answer.
Complaint sub-issue: Account status incorrect

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Complaint sub-issue: Debt is not yours

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Complaint sub-issue: Information belongs to someone else

Around XXXX of 2017 a XXXX XXXX XXXX XXXX  was open in my name. A balance of {$66.00} on the account charged off first payment never received I have contacted XXXX XXXX to no avail I'm asking for help Equifax have yet to remove this account I have went to the police station they do not give police report they sent me to the Federal trade commission website which sent me to this website this is my complaint against an inaccurate fraudulent account of My consumer report I'm asking that it be removed according to section XXXX, I'm asking that you guys show the original paperwork with my signature stating that I open this account with all of the accurate information this is a fraudulent account please remove this account
Complaint sub-issue: Public record information inaccurate

XX/XX/2020 I notified XXXX XXXX that I was being impacted by COVID pandemic, and had spoken with a representative regarding the federal forebearance program. At this time, XXXX XXXX accepted my hardship and into the forebearance program, that my payments were suspended. I continued to communicated the request for extension. until late XXXX. On XX/XX/XXXX, my situation became better, and I went back into the workforce. I contacted XXXX XXXX to let them know i was prepared to get the account back in order. We discussed the options and I was put into a loan modification that put the old missed payments at the back end of the loan. 
Since then, I have been making more than the minimum payment due and on time, as my credit report will confirm. 
Recently, my financial situation has turned for the better, and I have also outgrown my home with my family and went to apply for a mortgage but am having a terrible time because the way XXXX XXXX reported my forebearance has had a negative impact. The underwriter for my new mortgage request has stated that the way it is reflecting on my credit is as if I just stopped making payments. This was not the way the Federal Forebearnce was intended to be rolled out and now I am suffering because of the inaccuracy on my report. 
I have contacted XXXX XXXX who states that there was no negative reported on my credit report, that the agreement was they would not make any reporting on my credit whatsoever ; however, the verbiage on the comments of this item states loan modification and does NOT state the forebearance. 
I need this rectified because my career is growing and I may need to relocate and I will not be able to purchase a home or be extended any further credit because of this.
Complaint sub-issue: Can't close your account

I closed my Citi Secured card and called to get my secured deposit. The citi representative told me that I would receive my money via ACH in one to two business days and when that did not happen, I called them and they said oops the check will be send out via paper check. This is very unacceptable. 

XXXX
Complaint sub-issue: Transaction was not authorized

So based on my online statements the fraud initially started around XX/XX/XXXX, in a form of payment to an account in XXXX in the amount of {$100.00}, also for the same amount on XX/XX/XXXX, on XX/XX/XXXX there were 3 fraudulent charges, two to XXXX XXXX  which amounted in {$350.00} and then the XXXX to XXXX on the XXXX it was another XXXX to XXXX. It continues with a total of {$650.00} made to XXXX which I have no account to. Throughout XXXX the increments continued to get larger from {$100.00} to {$250.00} to {$500.00} until I had under the threshold in my bank. That is when my bank alerted me that something was wrong which was on XX/XX/XXXX when the fraud took over $ XXXX out of my account. the bank said they denied my dispute because I have a history with XXXX  but I continue to tell them that it wasn't me. I believe the deposits from XXXX were intended to keep me from being aware of what was going on in my account. There were two separate deposits one for 1k and another for {$900.00} To this point, nothing was flagged or deemed suspicious to my bank 's eye, which is PNC. I also take part responsibility for not checking in on my account on a daily but I feel like my bank should alert me of suspicious activity on my account instead of alerting me when my account is under the threshold. That's the only reason I would have found out and done the dispute. The bank is telling me I am responsible but never alerted me of anything suspicious. I think PNC is a good bank and I didn't want to have to go this route but I was left with no other option. I hope all is continued once this gets settled, I'd like to stay with the bank.
Complaint sub-issue: Their investigation did not fix an error on your report

The three major credit bureaus are reporting a fraudulent collection account on my report and although I have supplied evidence that it is a fraudulent and malicious account, they have refused to remove it ; stating it as " Accurate and updated, '' -XXXX , XX/XX/2015. 

On XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted XXXX  and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was unable to make a determination of what, if any, amount was owed. '' Transunion still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN '' for 3 years.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX 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 instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number  ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Frequent or repeated calls

I can not recall the exact date, but approximately 2 weeks ago I and my wife started receiving calls every day ( including weekends ) about a debt my wife owes. The company claiming to be ProCollect will call me first, before calling my wife ( who allegedly owes ). They will give us a number to call back, and one day my wife decided to call them and try to figure out what this debt is. Once the company had been contacted they were extremely rude, unwilling to cooperate and said that we can not set up a payment plan for the debt. They also said they will only accept using our banking information or overnight a check/money order. Then once we said we MIGHT use the overnight method they went back on their word and said [ ... ] thats not how our system works. And after that my wife continued for a short period and then we said we will contact them at a later point. After that point they continue to repeatedly call us.
Complaint sub-issue: Account status incorrect

I have late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate account.
Complaint sub-issue: Investigation took too long

I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On Sunday XX/XX/XXXX at XXXX I sent {$400.00} via cash app to XXXX XXXX XXXX XXXX I then received a notification saying money was returned for my protection. When I looked in my account I did not see where the {$400.00} went back to my cash app so I looked a little bit into it and realize there was a hold on it and said it would be returned by Wednesday have emailed finding out why the money was returned or why there was a hold and have not heard back from cash app and now I get on and look to see about the hold and I can not find the hold anywhere and it is still yet to be deposited into my account I call the following number XXXX XXXX XXXX XXXX and it says they usually have anyone to answer calls but can contact them at cash app.support witch I have done and nobody has responded.
Complaint sub-issue: Information belongs to someone else

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

This account was placed with this collection agency. And I offered to pay this old debt off in full, for removal from my credit reports. This negative trade line is preventing me from obtaining a new apartment.
Complaint sub-issue: Account information incorrect

I've had two accounts with XXXX  card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my XXXX, XXXX, and equifax credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX Bank and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.
Complaint sub-issue: Old information reappears or never goes away

I had a police report sent in along with my drivers license and social security card for fraudulent accounts on my file. The issues was resolved and the items were removed and o was sent another report, those items have reappeared and they have not been removed. When I call they say they dont see my drivers licenses and social for XX/XX/2019@ XXXX XXXX  is when it was received by equifax. I have the report they sent that was corrected and the most recent with the items back on.
Complaint sub-issue: Information is missing that should be on the report

XXXX removed my discover credit card that is still open.
Complaint sub-issue: Was not notified of investigation status or results

Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XXXX XXXX 2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from XXXX, XXXX  or Equifax about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.
Complaint sub-issue: Account status incorrect

I was contacted by XXXX XXXX XXXX XXXX to pay a debt owed to XXXX XXXX XXXX at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the XXXX XXXX   and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both XXXX XXXX and Equifax, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.
Complaint sub-issue: Account status incorrect

I have had my Discover card since XXXX and I have never been late ; I got this card for the sole purpose to rebuild my credit. I want you to know that I understand my financial obligations, and if it weren't for COVID-19 I'd still have an excellent payment history. I am applying for a mortgage loan and it's come to my attention that the missed payment on my credit report is hurting my ability to qualify. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a good will adjustment to remove the late payment on XX/XX/XXXX. Even if your company doesn't believe in good will adjustment according to Coronavirus Aid, Relief, and Economic Security ( Cares ) Act the late payment can be removed from my credit report especially since you have already refunded the late fee. My account is current and has been every since XX/XX/XXXX. Thank you for your consideration, and I hope you'll approve my request.