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

To whom it may concern, I had the opportunity to obtain and review a copy of my credit report. Upon reviewing my credit report I noticed that the Ally Financial account is still reporting inaccurate information. I have included a detailed description of the reason for my dispute below : I received numerous phone calls about a debt I owed to Ally Financial. I spoke with a representative on XX/XX/XXXX, informing me that I had an outstanding balance due for and auto loan that I obtained in XX/XX/XXXX. I explained to the representative that I had traded in the car in question in XXXX of XXXX and my account had been paid in full as of XX/XX/XXXX per the letter that I received from Ally Financial. I was told to email a copy of the letter I received showing that my account was paid in full. On XX/XX/XXXX, I sent an email to XXXX. The representative told me that my email would be reviewed and a manager would contact me. No one ever contacted me regarding the email. The calls stopped for a few months and then they started back around XX/XX/XXXX, still stating that I owed a balance. I told the representative that I had emailed a copy of the letter I received stating that my account was paid in full. The representative had no notes of this on my file. I was told again that my account would be sent to a manager and someone would be in touch with me. Again, I received no contact via phone, mail or email from Ally in regards to my account being closed. On XX/XX/XXXX, I sent a letter to the three credit bureaus ( XXXX XXXX XXXX XXXX XXXX stating that the Ally Financial Account was reporting incorrect information on my credit report. I provided the letter I received from Ally to the credit bureaus. On XX/XX/XXXX, XXXX sent me a letter stating that this account had been removed from my credit report only for it to be added back to my credit report again a few weeks later. The balance that was being reported on my credit report was {$560.00}. My credit report also showed that the account was in good standing and that I had been making on time payments since XXXX, which was false because I no longer made payments to Ally once my account was closed. On XX/XX/XXXX, I sent a certified letter to Ally informing them that my account was still being reported inaccurately and I would like for them to remove this account from my credit report. At the time that I sent the letter to Ally the balance reported on my credit report increased to {$560.00}. Ally received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I received notification that my credit report had changed. When I reviewed my credit report, Ally now showed that I owed {$1000.00}, which was a {$440.00} increase from the previous balance that was being reported. My account was also flagged as being 180 days past due. This is unacceptable for this company to continuously ignore the proof that my account was paid in full and further more that they continue to report inaccurate information without any explanation. I would like this account removed from all three credit bureaus immediately.
Complaint sub-issue: Information belongs to someone else

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$1900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2020 XXXX notified Equifax to remove 4 collections from my consumer report. Equifax is in violation of hippa law and this is my third complaint
Complaint sub-issue: Account information incorrect

XXXX  indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXXXXXX XXXX XXXX XXXX Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell DSNB MACYS Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. 

XXXX XXXX Amex XXXXXXXXXXXX XXXX XXXX XXXXXXXX All these companies are targets.
Complaint sub-issue: Debt was paid

I paid {$64.00} for cloth in XXXX XXXX store using my Debit card, which i have receipt till now. 

After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX XXXX department / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. 

I have chat history with XXXX XXXX customer support. I want to file case against XXXX / XXXX XXXX. 

XXXX share my personal identity to XXXX different collector agency which is here below, XXXX. United recovery system agency - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. XXXX - please find attach document XXXX. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX XXXX : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,
Complaint sub-issue: Debt was paid

I discontinued service with XXXX in XX/XX/2017. The account was paid, equipment was sent back and the account was closed with a XXXX dollar balance and in good standing. XXXX sent I C Systems ( a collection agency ) an account in my name and claimed I owe them {$440.00}. This is false. I confirmed with XXXX directly that there was no balance owed. The reference number for this interaction is : XXXX. My credit score was severely affected by this. I lost over 50 points of my credit score due to this. I filed a dispute with XXXX and they sent me an email claiming that the debt is valid which tells me that there was not a proper investigation considering the fact that I confirmed there was no balance myself. As of the moment this is being written, the FALSE collections account has still not been removed from my credit report. My husband and I are applying to purchase a home in 3 weeks and due to the negligence of XXXX, and in my opinion, the negligence of XXXX in their investigation, my husband and I may have issues qualifying for a mortgage. I have worked tirelessly to build my credit score and for a false report to destroy it is just unbelievable. I have never missed a payment or even had a late payment. I have done my due diligence. How can a company send a made up balance to collections and ruin a persons credit score under false information and not be help responsible?
Complaint sub-issue: Was not notified of investigation status or results

To anyone reading this, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still haven't responded to me and i think that is not right. Please delete those negative items so I dont have to spend for taking legal action.
Complaint sub-issue: Deposits and withdrawals

I know I've already sent a complaint prior but I'm just so overly welcomed that when you're the victim of the situation and you're being told that you can't get your funds back no matter how it happened it happened to me and I've been fighting to get my funds to me since the end of XXXX and I feel this is so unfair I said so many letters in I sent police report and I've sent even text messages amongst the people that had something to do with like I said they did refund some to me but I'm still waiting for {$1000.00} withdrawal and XXXX {$500.00} withdrawals with an {$800.00} withdrawal and in the copies of a text messages I send to them it states that they had a picture of my bank card and that's how they were doing the online transactions and they went to the mailbox and got my card out and they did a few other transactions because I had definitely known it was someone that was around me that done this to me so I start confronting people and then a certain person to text me and told me that they seen the pictures of my card and they were using my card and they went to the mailbox and this was told to me from a friend of mine and I swear to XXXX I had sooner or later you know karma will get them I don't have actual proof of them doing that something like that to me but I thought that was a good enough proof for them to refund my money back to me I'm definitely the victim and I would love to be treated as the victim. I mean I said in the last one I sent the documents of XXXX transfers that was on my account that I never took out you can see it's not on my XXXX account and it shows whenever they take out withdrawals there was like a XXXX transactions along with it the bank have no problem refunding XXXX to me and when you look at it it's like back to back XXXX, XXXX XXXX XXXX and it's like that through my whole Bank summary like anything they took out there was a XXXX transfer with it. And they had no problem with doing refunded online transactions. But the withdrawals is what they're having a problem with but you can see the XXXX  along with that too.
Complaint sub-issue: Problem with fees charged

This is a written notice to ceo XXXX XXXX, cfo XXXX XXXX XXXX, dba Drivetime that I am invoking my right to rescission 15 usc 1635. I rescind all signatures, endorsements, and consents there of. I was not disclosed certain information about the finance charge which is fraud. I demand my information be deleted, all payments, and money be returned. I also demand the cancelation of this contract and obligations set off for these goods and my title be mailed to the address of XXXX XXXX in good faith.
Complaint sub-issue: Reporting company used your report improperly

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 

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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Complaint sub-issue: Can't use card to make purchases

Credit card gets declined without warning of any kind even though balance is not even 1/4 th of my credit limit. I have no idea if and or when my card will be declined. Furthermore, after making an ACH payment on my account and supposedly crediting my account they continue to " hold '' payment and not allow card to be used. What and where is my money for 5 or 6 days? Not a single person at Citibank could answer my questions. My agreement says I have an {$11000.00} credit limit but there is no way that can be true if they decline my card with about {$2000.00} in purchases on it ( I pay it off every month )
Complaint sub-issue: Reporting company used your report improperly

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : n accordance with the written instructions of the consumer to whom it relates.

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. 

XXXX : XXXX Account # XXXX OR XXXX Date Assign XX/XX/2019 OR XX/XX/2019 Orignal Balance {$240.00}
Complaint sub-issue: Public record

I have some concerns about records Lexis Nexis is furnishing to the credit bureaus. I do n't think the information is accurate. 
I have contacted the court and they did not furnish this information to XXXX. This accounts are not mine and XXXX sent me a letter attached as to the furnisher of the information. This is third hand information and hearsay. They did not verify this account as the address attached to this filing is not even mine. There are additional inconsistencies that I have advised XXXX of in my consumer legal action. 

I disputed the accuracy with XXXX and the results of their investigation and it shows that you claim to have verified this account. Since you claim to have verified this account, I now have the right to have you prove you are furnishing accurate information to my credit reports. 

Here is what I am now demanding : Please provide copies of the actual documentation you used to " verify '' this account with the credit bureaus and to update XXXX to remove these records.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been harassed by this XXXX, The names, not my name, the address is not mine and doesn't even exist, XXXX it, XXXX, CA... never lived in XXXX and the address is not an address for commercial or residential, a bill they sent me this month from 7 years ago after saying that I was 30ddays late 6 times on a loan that's not even in my name and not even with my signature, then they remove the 6 -30 days late and say I owe them over {$2500.00} six years later, and place this on my Equifax report when it's not been a XXXX on my Equifax in the past 6 years, all the sudden this shows up on my report. 

https : XXXX? usp=sharing
Complaint sub-issue: Other problem getting your report or credit score

EQUIFAX IS NOT ALLOWING LENDERS TO VIEW MY CREDIT REPORT AND WE ARE BEING FINANCIALLY EFFECTED BY THIS AS XXXX ARE TRYING TO REFINANCE AND GET QUOTES! XXXX LENDERS STATED THEY CAN ONLY SEE MY XXXX REPORT BUT SOME REASON EQUIFAX IS NOT BEING ABLE TO BE RETRIEVED! 
I WENT INTO EQUIFAX.COM, UNDER MY ACCOUNT AND WHEN I CLICKED ON, '' VIEW CURRENT CREDIT REPORT '' IT DENIED ME GETTING IT AS WELL!! 
STATUS SAYS '' UNAVAILABLE, BLOCKED DUE TO " PROMOTIONAL PURPOSES!!!??? '' WE NEVER GAVE OR REQUESTED EQUIFAX TO PUT ANY BLOCK OR FREEZE!! 
THIS IS ILLEGAL TO WITHHOLD INFORMATION THAT CAN CAUSE FINANCIAL DEVASTATION TO OUR LIVES WHILE MORTGAGE PAYMENT COULD DRASTICALLY DROP IF WE CAN NOT GET REFINANCING IF THEY DO NOT RELEASE AND UNBLOCK IMMEDIATELY AND ALLOW LENDERS TO SEE MY EQUIFAX CREDIT REPORT, I WILL FILE A LAWSUIT AGAINST EQUIFAX!
Complaint sub-issue: Other problem getting your report or credit score

I subscribe to XXXX XXXX, a credit report monitoring company. For the past year, they have told me that Equifax and XXXX consistently report my XXXX XXXX FICO score as between XXXX and XXXX. In XXXX, 2022, both agencies reported that my score was XXXX. Additionally, I have several accounts with XXXX Bank and they also reported that my score was XXXX. I then went buy a car. 

According to the car dealership, XXXX XXXX XXXX, who shared my FICO score with me, the XXXX XXXX score that they received from Equifax was only XXXX. While that is still not a terrible score, it is significantly lower than was previously reported to me and probably affected the loan rate that I received when I purchased my car. In fact, XXXX offered me a terrible loan. I received a loan rate through the car dealership that was not what I thought it should be, but I was able to negotiate it down a bit before completing the deal. 

When I contacted Equifax and XXXX XXXX, they both stated that there are numerous credit scores that are generated and shared, but neither business could explain the XXXX point discrepancy. XXXX XXXX blamed Equifax. If a person 's credit score is generally dramatically different than is reported to them, what good is receiving a score in the first place? It is used by both XXXX and XXXX XXXX to make the customer ( me ) believe that the credit card or loan that they are offering is based on better credit than is actually the case. That is blatantly fraud!
Complaint sub-issue: Reporting company used your report improperly

LexisNexis is in violation of the FCRA 15 U.S. Code 1681b ( a ) ( 2 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit reporting act XXXX  Account # 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 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 customer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status incorrect

Filed a dispute regarding incorrect balance and payment history with reporting agencies XXXX  and XXXX. Upgrade responded via email with an obviously stock robo answer that information was indeed correct and that it takes 30 to 60 days for the reporting agencies to update information. They are the only creditor that I have where this seems to be the case. I resubmitted an additional dispute and received the same response. I then filed a complaint on this website after seeing my score drop 18 points. Upon further investigation it appears now that rather than correct the information they have reported to the credit reporting agencies my account is now reported as being closed. Which it is not. It sure didn't take 30 to 60 days to report my account as closed. Seems a bit retaliatory.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX I reviewed my credit report and found several inaccuracies i believe to be fraudulent. In XXXX i was a victim of the XXXX XXXX security breach by way of XXXX XXXX. I am requesting this information to be removed and blocked according to the FCRA.
Complaint sub-issue: Problem getting your free annual credit report

I requested my credit reports from each of the 3 national credit reporting companies through XXXX on XX/XX/2021 and received two of them. The one from Equifax, however, has been impossible to secure so far. I prefer to get the reports online because I find it more secureIve had issues with the mail before and they contain very sensitive information. 

When a consumer is requesting the Equifax report, they are asked a few questions. The answers have to coincide with the information in their report. The problem is that none of the questions applies to the person making the request and, accordingly, they have to select something like none of the above for every single one. So the company denies access to the report for security reasons this happened to me and two relatives. 

I then made the request by phone. After that the company sent me a letter asking for a copy of personal documents containing my address and full social security number ( see the attached letter ). I sent the documents back through Certified Mail and the company got them on XX/XX/XXXX ( see the screenshots from USPS tracking tool and Certified Mail receipt ) ; but I never received the report. I dont know whether or not the report was sent or if it was lost. They have managed to make the process of getting a credit report at least the free report harder and less secure at the same time. And, at the end, the consumer may not get it at all. 

A message in XXXX says we can obtain free weekly online credit reports. But I have been unable to get my report from Equifax for more than 3 months. I have contacted the company, but to no avail. The last time, on XX/XX/XXXX, they told me they didnt receive the documents I sent them in XXXX, which is obviously incorrect. The biggest concern for me is that I dont know how they are handling this highly sensitive information. 

Thank you for your attention.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Complaint sub-issue: Account information incorrect

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.