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

I have a collection account on my credit file that has been paid. I have disputed this account with Equifax 3 times with the last time being XX/XX/XXXX and most recent today, XX/XX/XXXX. I have included in my dispute a copy of the letter from the company saying the account has been paid and satisfied in full.
Complaint sub-issue: Account information incorrect

I filed disputes on several different dates for XXXX XXXX, Flagship, and XXXX XXXX  card. These items were removed once before and now they reappeared on my report. Items are incorrect and talked to XXXX and they stated they will be removed again. Now items are keep updating to the current date. Items should have been removed and they are bringing my scores down tremendously.
Complaint sub-issue: Problem with customer service

In XX/XX/XXXX, my credit card was hacked and fraudulent charges were charged to my account. Instead of contacting me, USBank Visa abruptly canceled my card. This normally would not have been an issue, but I was on vacation at the time and it was my only means of paying for my car rental and car rental insurance. That is when I first realized this company has truly awful customer service.

When I called to determine if my car rental insurance was still active, I was on hold for over 30 minutes. I then needed to be fully verified. This took an additional 20 minutes. This is an issue because 1 ) They use publicly available information ( They even admitted to this. ) and 2 ) They needed to send a text message to my mobile phone. 

To address the easy issue first, the text message. My phone is from the early XXXX and it can not receive a text message while I am on the phone. It has never worked and even though I can answer all of their other questions, I can not be fully verified. I do not have a different number to use to receive this text message, so it isn't like I can just call from another phone. While I was on vacation, I was sitting in the rental car office on hold for nearly an hour trying to ask a simple question that didn't need any verification anyway. All I wanted to know was if my insurance would still be covered. 

Since XXXX, I have been trying to get rid of my mobile phone and though USBank has removed my number, USBank Visa will not. So, I am still paying for a phone that I never use and I can't change the number because I can not be fully verified. When I explain this to USBank Visa I am told that I will get a call from them to verify my identity and then everything will be fine. I have been trying to get this call since XXXX. The last attempt was on XX/XX/XXXX. I was told they would call back within 2 business days. It is now XX/XX/XXXX and I have not received a call from them. 

The second issue revolves around them using information that anyone can XXXX to verify my identity over the phone. It wouldn't be so bad if they used the standard information, like SSN, address, birth date. But USBank Visa has crossed a line and gone into stalker territory. I have been asked about my father 's middle name, my brother 's address, the city I was born in, and the state that issued my SSN. Granted the last one is available online, but knowing my relatives and having this information connected to my accounts is crossing a line. I have told them this and told them I don't want this information attached to my account. Their response is that this information is publically available and therefore open to them. I respond with, " If it is publically available, then how can it be used to verify my identity? '' I usually get transferred to a supervisor who tells me that I will get a call, but never do. 

Through all of this, it has taken 2 months to get my new card activated, though in the meantime I was charged my annual fee. So, I am paying my annual fee even though I can really only use it now for less than 1 year.
Complaint sub-issue: Information belongs to someone else

I was born in XX/XX/XXXX, making me XXXX was and still in high school when said loan was taken out in my name. XXXX, company name XXXX XXXX XXXX Ive contacted them on several occasions but to no avail. 

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Complaint sub-issue: Investigation took more than 30 days

n accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX  BANK 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 this is stopping me from getting an apartment, job an continuing my life
Complaint sub-issue: Account status

There are several accounts on my credit report that have been deleted and are still showing on my report. Also, I supporting document that XXXX account has been completely paid off and should have never appeared on my credit report.
Complaint sub-issue: Threatened to sue you for very old debt

Credit adds no value just raises demand curve, and assumes there is more money than exists. That's right, there is not enough money for these contracts are able to become possible. That is forced majeure before the contract even starts as you will find that unforeseen and uninformed are no different than coercion or duress in citing contracts like time-based royalty or debt invalid. Even so, what is the purpose of any law but to stop fully-informed people from binding themselves to impossible situations - intervention by creditors in the purchasing of goods by consumers is HUMAN ABUSE and certainly not good for everyone because the supply chain is like a torus. What, does share of a business ' sales from voluntary employers not return fast enough for you?
Complaint sub-issue: Information belongs to someone else

XXXX  has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
Complaint sub-issue: Investigation took more than 30 days

After sending information to verify myself with my dispute, I sent a follow up dispute ( XX/XX/2019 ) by means of a credit repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30 days. Please see items below Collection XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have received several unauthorized inquiries on my credit profile. I noticed that some of the inquiries traversed across all XXXX credit bureaus. I sent in dispute letter to all XXXX bureaus and XXXX ( XXXX and XXXX ) of the bureaus have complied with removing the unauthorized inquiries. However, Equifax is refusing to remove the fraudulent inquiries and is demanding police reports and FTC documents to considering removing these inquiries. 

I did not authorized any one to place inquiries on my behave. I have sent several letters to XXXX and filed several complaints with regards toi these inquires. I have even sent certified mail to Equifax to resolve this problem. To date, they are refusing to remove these inquiries and this is causing a financial hardship because of the effects of these inquiries. I am in the process of a home purchase and my good credit is being tarnished by the unauthorized inquiries and my even make me ineligible to obtain this purchase at a undesirable interest rate. It may even assist disqualifying me to obtain the mortgage.
Complaint sub-issue: Deposits and withdrawals

I opened a savings account with Citibank when they offered a promotion to receive a {$450.00} bonus. I deposited approximately {$200000.00} into the account in XXXX and XXXX from other financial institutions. I made a single wire transfer out of the account for approximately {$120000.00} to purchase a vehicle in XXXX. 

On XX/XX/XXXX I logged into my online Citibank account and it stated my savings account was blocked. I called customer service and they told me they are planning on terminating my account in 30 to 60 days after which they will mail a check for the remaining balance. Citibank refuses to provide me with my account balance or how much money will be refunded to me. Agents of Citibank now just hang up on me and my wife when I call them. 

The promotional {$450.00} bonus was highly misleading and appears to have been a ploy to entice me to make a large deposit into the bank only for the bank to hold my money XXXX and profit off of me. They are trying to force me into giving them an interest-free loan for 60 days. I have no idea when or if they will refund me the balance of my account.
Complaint sub-issue: Information belongs to someone else

This complaint about Unautorized hard inquiry left on my Equifax credit XX/XX/2019  via creditor XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had paid off the full balance of my XXXX  Mastercard issued through US Bank after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact US Bank but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.
Complaint sub-issue: Debt is not yours

Jefferson Capital Systems is a scam and is a company based in XXXX. They are trying to say I owe them {$410.00} for XXXX XXXX phone service - a company that Ive never dealt with. There are no stores by me and I have never even been in one. Im not sure how theyre doing this but the debt is not legit. All of the complaints say that they scam people in this way frequently. And their debts always have to do with cellphone service companies. Their sister company XXXX XXXX XXXX does the same thing. That is strange. The debt is ruining my credit and the company is not doing anything to remove it. This cant be legal ... can it?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are Inquiries that are reflecting on my credit report that I have not authorized
Complaint sub-issue: Information is missing that should be on the report

This is not a 3rd party. Please review the attached documents. These accounts are in violations of the statute of limitations and missing information. These accounts are reporting several violations. Send me every document you have pertaining to the accounts attached.
Complaint sub-issue: Debt is not yours

Im dealing with plus four inc w debt collector that is saying I owe XXXX dollars or so to tusail and associates Ive never seen in XX/XX/21 and with desert radiology that I owe nothing to, Ive read the reviews on this place there located in XXXX XXXX XXXX  and other people have the same issue as myself I have no idea how they got my information but its affecting me and my credit please I need help from these crooks.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$24000.00}
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2020, my XXXX Bank XXXX had XXXX transfer reversal from XXXX had been receiving XXXX benefits for a XXXX plus.Then I wake up with no money.I have talked to XXXX XXXX Bank XXXX XXXX and they all pass the blame to XXXX.No warning or explanation.I called for XXXX months trying to get the transaction history on my account mailed to me.I finally received them a XXXX ago.I have a screenshot of the transfer reversal.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been made aware on multiple occasions that XXXX is in A 34 multi state litigation. Attorney Generals have stated that XXXX has been found negligent and is required to delete derogatory information, waive any loan balance on accounts dating XXXX to XXXX. If loan was charged off within 1 year. 
Multi state settlement acknowledges that XXXX practices were deemed predatory and included deceptive dealer involvement. XXXX is in direct violation of 15 USC1681e and I have made Equifax aware of this. It is public record as well, I am suffering emotional distress, humiliation and suffering Monetary loss from this XXXX account and Equifax continuing to report knowing the litigation that XXXX is in.
Complaint sub-issue: Their investigation did not fix an error on your report

Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -Equifax , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with Equifax was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.
Complaint sub-issue: Reporting company used your report improperly

Drive time/XXXX  credit XXXX  XXXX Together credit XXXX XXXX XXXX In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 15 usc 1681 section 602a right to privacy 15usc 1681 section 604a Without written instructions they can't furnish a credit report 15 usc 1681 c. ( A ) ( 5 ) reporting info without knowledge of errors Go to cfpb submit complaint Improper use of credit report No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes Which antedates The report by more than XXXX years. 

15 usc 1681 s-2 ( A ) ( 1 ) a person shall not furnish any relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Their investigation did not fix an error on your report

Inquiries need to be removed. I didn't give them permission to access my credit..
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB complaint today to follow up the previous CFPB Complaint I previously submitted on XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, The Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. I have been sending dispute letters addressed to the Credit Bureaus but the Credit Bureaus have failed to respond to my letters let alone remove the disputed fraudulent items from my Credit Report. The most recent letter I sent was dated XX/XX/XXXX and I am still waiting for the Credit Bureaus to respond to my letters. By the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit Report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I filed IRS Form XXXX in XX/XX/XXXX with the IRS to have a satisfied tax lien removed from by credit file. The IRS accepted and approved my request in late XX/XX/XXXX. They filed IRS Form XXXX A with the Clerk of Superior Court of XXXX XXXX to withdraw the lien on XX/XX/XXXX. I have personally verified with the XXXXrk of Superior Court of XXXX XXXX that the lien is no longer recorded with the court. I filed a dispute with XXXX to have the lien removed from by credit file. I received a notification from XXXX on XX/XX/XXXX stating that the lien is reporting as released. That is incorrect. The lien has been withdrawn and is no longer being reported..
Complaint sub-issue: Other problem getting your report or credit score

I've used this credit reporting company for years and now they claim to not have any of my information in their system. The number for customer service diverts you somewhere else. Keep kicking my information out.
Complaint sub-issue: Information belongs to someone else

I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Complaint sub-issue: Company closed your account

On or approximately XX/XX/XXXX I contacted Keybank because my debit card had been declined on a several recent attempts and upon my inquiring as to card issue, I was advised I should have received a letter stating they were closing my account. I have been using this account for over 15 years. Albeit I have has my share overdrafts, but I have paid the fees and brought my account current. I never received the letter which I was advised I should receive. On XX/XX/XXXX I received a letter from Keybank stating they had issued me a new debit card because the data of a company I had done business with was exposed and my account may have been compromised. The account number referenced on the letter was not my account number. On XX/XX/XXXX I called the customer service again to be put on lengthy hold, passed to another department which was never provided and again I was told my account was scheduled to be effective XX/XX/2020. During the time I was on the lengthy phone call I decided I should start printing my records ( statements ), within 10 minutes of completing the phone call I was locked out of my online banking access. I went to branch to request my money, but was advised they needed to check into the situation and didn't want me to close my account. I waited another day to hear the manager tell me he could not provide an explanation as to why, but that I was considered a risk to the bank. This is completely shocking ... I have been a banker for over 25 years and worked for Keybank for over 9 years, I am in no way a risk to the bank. Further, once I was told there was no alternative solution, but they were closing my account. I stopped in to withdraw my funds which had been on hold for over 14 days ... all of the deposits were electronic either my payroll or a direct deposit from an investment account. They would not let me take my money and in fact it took several additional days for me to determine they actually closed my account and were going to send me a check. This was very stressful as I had financial obligations and the funds were cleared. This was emotionally hurtful, bewildered and very stressful to my financial situation and honestly hold my money captive and determine when they would close the account and mail a check which then would need to be held with a new institution that would have no experience with me as a customer. 
I want a detailed explanation as to why I would be a risk to the bank with my meager funds and years of history, nothing changed with my banking activity with the exception of more direct or electronic deposits.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this items ( 1 ). ( A ). 

XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt is not yours

Under my credit report I am charged twice with the same original creditor but two different companies. Both companies are calling me to collect a debt from the same original creditor with two different amount.
Complaint sub-issue: Account status incorrect

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE SEVERAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THE BELOW ACCOUNTS, SO PLEASE AMEND THE PAYMENT HISTORY TO PAID AS AGREED/NEVER LATE