Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

Equifax has failed to furnish the date of last activity and the date closed alleged charged-off account XXXX as requested in my first dispute sent in XX/XX/2021 The date of the last payment is inaccurate as seen by the Payment history calendar. This is a failure to ensure maximum possible accuracy before furnishing this alleged charged-off account XXXX on the credit report therefore Equifax is in violation of USC Title 15 1681b " accuracy of the report '' and USC Title 15 1681i 5 1-2 " Treatment of inaccurate or unverifiable information delete immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB : CFPB OPEN AND INVESTIGATE THIS COMPANIES REFUSAL TO OPEN AND PRODUCE FCRA SECTION 609 ORIGINAL DOCUMENTS WITH MY SIGANTURE AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THIS ALLEGED ACCOUNT IS ALLEGED AND MUST BE PROVED UNDER SECTION 609 OF FCRA.THIS ALLEGED ACCOUNT IS OVER 7 YEARS OLD, YET STILL BEING REPORTED. REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT!! i do not acknowledge this debt and I demand it be removed from my tri-bureau credit report immediately!! this alleged debt is well over 7 years old. I am also a victim TWICE of identity theft from office of personnel management and equifax. 
THIS COMPANY IS IS REFUSING, UNDER THE LAW TO PROPERLY INVESTIGATE this alleged account UNDER SECTION 609 OF FCRA AND I DISPUTED IT AND THEY REFUSED TO PRODUCE SECTION 609 DATA WITH MY SIGNATURE, THEY WERE SENT, THOUGH THE CFPB,. THIS COMPANY IS VIOLATING THE LAW AND I DEMAND THEY COMPLY AND DO A 609 INVESTIGATION AND REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY!! I am a XXXX person and XXXX veteran XXXX XXXX and XXXX XXXX is discriminating against our nations XXXX XXXXXXXX XXXX and refusal to remove is making me homeless starving and freezing.
Complaint sub-issue: Problem during payment process

This company is an absolute mess. The information employees provide is not constistant with one another at all. I do not know if there is an internal communication problem with in your company or if your employees are not being train properly but it is unacceptable. On Saturday, XX/XX/19 I made a payment of {$180.00} that was withdrawn from my bank account on XX/XX/19. I called citi bank to ask why the funds were not applied to my available credit, the employee I spoke to informed me that they hadnt even requested the funds from my bank yet which I told her was incorrect. I insisted we call my bank to verify and so we did. My bank informed citi that the funds had indeed been taken out and sent to Citi. The employee I was speaking with said she had never seen anything like this. In her system it told her that citi hadnt requested the funds from my bank yet my bank stated the funds were requested and then withdrawn. I asked the employee to investigate this matter because clearly something is wrong with my account if thats whats happening. On XX/XX/19 I made an additional {$80.00} payment to Citi, which was withdrawn from my bank account on XX/XX/19, I called today, XX/XX/19 at XXXX XXXX EST and spoke with XXXX ( EMP ID : XXXX ) who informed me that in order to release my {$80.00} to my available balance we would have to call my bank, XXXX was very unkind and made me feel like she was purposely trying to take up more of my time, when she knew I was in a hurry. I informed her of my conversation with the Citi employee on Monday and XXXX flat out told me that employee was wrong, I asked her to release the available funds without calling my bank because other employees had done that in the past and she informed me that was not an appropriate course of action and those employees were wrong to do that and that she had to call my bank, even though I informed her I was running late for work because of this phone call. We called my bank which I fortunetly wasnt open so XXXX told me I had to call back later. I called citi again, the same day, XX/XX/19 at XXXX XXXX so that we could call my bank which was now open. The employee put me oh hold while she called my bank and then returned shortly after a few minutes. This employee told me that because my banks hold time looked to be longer and that this is a bank I tegurely make payments from we no longer need the banks verification and they would release the funds to my available credit immediately. I am awe stuck in the level of inconsistency within this company and disgusted by how it treats it clients. I verbally requested a complaint be filed against XXXX on the phone, and verbally requested a follow up from that complaint. I am now putting it in writing that I also file a complaint against XXXX and would like a follow up of Citis resolution with said client. Furthermore this bank need to take better actions to provide consistent information to its clients, and train employees to essentially not trash talk one another, like XXXX had done. The customer service provided by this company is beyond appalling and excruciatingly time consuming.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, I purchased an espresso machine on XXXX. I paid with Discover card. XXXX delivered the machine totally ravaged. I refused to accept it and returned it to XXXX. I disputed the charge with Discover. XXXX initially lied that they have never received the return. When I submitted the proof that XXXX received the return, XXXX lied that I returned a totally different item. I submitted a proof that I indeed returned the purchased machine. Then, XXXX lied that the serial number of the returned machine differs from what was sent to me. No proof of it has ever been submitted. After I complained to XXXX, XXXX responded that they instructed Discover to close the dispute in my favor and to refund me. Discover claims that it always resolves the disputes in XXXX XXXX favor because it is their biggest customer, therefore it hold me responsible for the charge no matter what, unless XXXX directly refunds the charge. I have been defrauded by Discover and XXXX.
Complaint sub-issue: Investigation took more than 30 days

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), this company is required by federal law to verify, through the physical verification of the original signed consumer contract. This has not been produced, nor has account has not been validated, in the allotted timeframe. I have yet to hear a response from company. I demand deletion of this account
Complaint sub-issue: Account status incorrect

Hello, i recently sent in a ftc report regarding fraudulent accounts and inquires and they have been deleted from XXXX and Equifax but XXXX hasnt done so yet just placed extended fraud alert with closed account ( XXXX XXXX ). also one of the fraud account ( XXXX XXXX ) had late payments report after the fact of me sending the ftc report in and the account being closed and removed. I have called and faxed over my ftc report XXXX XXXX was removed then put back on with late payments and XXXX XXXX was removed from XXXX and Equifax but just says closed on XXXX they still haven't updated it. please remove the late payment from XXXX XXXX account and remove account closed accounts
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted credit bureaus several times explain that I closed and paid off mortgage XX/XX/22 and paid all balances on my account except car payment and when my morgage company pulls report it does not have updated balances sothat I may acquire a new mortgage.its been paid. 

My credit has been pulled 12 times atl east which can also hurt my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX can not seem to get anyone 's address correct. 
I 've been helping my neighbor across the street with clearly a different last name and first name and they send his mail using my address. This has to be stopped immediately. 
In the past, they sent a fraud alert to the identity thief in XXXX without permission. What is the matter with them? I will send proof of my name and address as well as the neighbor 's address AGAIN. Tell them to knock it off. I will follow up with a complaint to the Georgia Attorney General.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, NJ XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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: Credit inquiries on your report that you don't recognize

CARVANA is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Complaint sub-issue: Old information reappears or never goes away

Hi, my name is XXXX XXXX and I have a critical issue going on dealing with Equifax. There are collection accounts noted on my account that are included in the documentation that I will upload that don't belong to me in which I filed an FTC report for. The information was removed across all 3 bureaus however, it has been 45 days since it was removed from equifax and they have sent me the conclusion of this information that it was removed from my report with my credit report. However, on XX/XX/XXXX recently these items appeared back on my report with no explanation or why these accounts are on my report which is a violation of numerous 15 USC Laws and FCRA violations.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 at XXXX my real time account balance was {$1000.00} Im a little under 2 hours later, in the middle of the night my account balance changed to {$320.00} at XXXX on XX/XX/2020 The account balance was real time. All charges previously taken out, even pending was already physically taken out in real time from my account leaving the {$1000.00} as my current and real balance. 
That is {$740.00} taken stolen from my account in a 2 hour window in the middle of the night. 
I went to a branch for help and they would not help me. I then went to the branch I opened the account in and they would not help me, instead called a manager and all he did was print out my statement, tell me that I have to audit it and prove to them the money is missing and then he had the audacity to try and sell me/apply for a Citibank credit card. 
The statement during the time the money stolen out of my account does not show. I have screenshots proving so. 
Following will be screenshots of my account that clearly show date, time and how much was stilen out of my account and does not show on the statement and amount missing is unexplainable by the financial professionals of the bank and its manager.
Complaint sub-issue: Problem with fees charged

Ally Auto continues to add extravagant late fees of {$71.00} to my auto account when it was not late. They have done this for previous months and still have not corrected the situation I have previously filed a complaint against them for this and they have lied and continued on. I looked at a recent statement and found out they added this {$71.00} dollar to my payoff fee that they can not explain. 

These lying XXXX XXXX XXXX XXXX XXXX crooks need to stop stealing money from customers in sly ways. This is not the end of this Ally. You continue to lie and change your method of theft.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting the following XXXX debts that have not been validated and updated with the company name or contract informations. I do not know 1 ) if this is my debt 2 ) if it my debt WHO I Owe and where to pay. 
I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account XXXX. XXXX XXXX {$110.00} Account XXXX. XXXX XXXX {$2000.00} Account XXXX. XXXX XXXX {$560.00}
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is not updating information correctly. I've paid this collection in full on XX/XX/2019 the amount is {$1600.00}. I include receipt and proof that this company has been going back in forth reported incorrect information on my credit report. Equifax is not investigating this at all and needs to be liable in a investigation with my proof of information and also they have deleted this and updated things on my credit profile and not removing these negative or incorrect items on my credit report
Complaint sub-issue: Information is missing that should be on the report

Hello, I have an account with XXXX XXXX with a {$10000.00} that the credit bureaus are not reporting on my credit files. 

Thanks, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are multiple court records on my credit report about a person with similar name as me but he has a middle name. 

The persons birthday is same as me but the only difference is he has a middle name. I have never been XXXX  in my life and I have always lived in California. This person was XXXX  in Maryland.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX Closed :XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.
Complaint sub-issue: Personal information incorrect

XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX which is not my address and never was a family was occupying that address and stole my identity. I reported it to XXXX credit bureau with no resolve. Equifax information services, LLC is reporting XXXX XXXX XXXX XXXX, LA XXXX and XXXX is reporting XXXX XXXX XXXX XXXX, la XXXX, XXXX XXXX XXXX XXXX, la XXXX and I never lived there it was also apart of my identity theft case. 


XXXX has my name known as XXXX XXXX which is incorrect.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 7th dispute letters to Equifax, XXXX and XXXX since XX/XX/ 2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

DISCOVER FINANCIAL SERVICE is reporting a fraudulent account on my credit report., see attachment. I disputed this account multiple times with the credit bureaus and with DISCOVER FINANCIAL SERVICE but the credit card company still reporting this fraudulent account. I asked XXXX to verify this account for me and they havent verify it either.
Complaint sub-issue: Account information incorrect

XXXX  XXXX XXXX and Discover Bank is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report. 
- Furnishing information on my report without my signed written consent to furnish my private information
Complaint sub-issue: Account status incorrect

I was erroneously charged multiple fees to my Macy 's store card account beginning in XX/XX/XXXX ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my Macy 's account in XX/XX/XXXX, or at least I was under the impression that I had paid off my account ; however, due to Macy 's billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX. The first fee I incurred was on XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On XX/XX/XXXX, I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On XX/XX/XXXX I was charged another late payment fee in the amount of {$37.00}, and on XX/XX/XXXX, a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees. <P/>I was finally notified the week of XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On XX/XX/XXXX I called Macy 's store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the three credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to Macy 's reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.
Complaint sub-issue: Account information incorrect

PLEASE REMOVE ALL ACCOUNT INFORMATION. ALL ACCOUNT LISTED ARE UNAUTHORIZED. I DID NOT RECEIVE ANY GOODS OR SERVICES FOR ANY OF THE LISTED ACCOUNT REMOVE AS SOON AS POSSIBLE. XXXX XXXX {$590.00}, XXXXL XXXX {$3300.00}, XXXX XXXX {$1800.00}, XXXX XXXX {$2000.00}, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX {$19000.00}, DEPT OF EDUCATION/ NELN {$90000.00}. REMOVE ALL ACCOUNT. THESE UNAUTHORIZED ACCOUNT IS DAMAGING MY CREDIT. PLEASE REMOVE THESE ACCOUNT FAST PLEASE REMOVE
Complaint sub-issue: Investigation took more than 30 days

Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation
Complaint sub-issue: Banking errors

In XX/XX/2019, ( weeks 3-5 ) I encountered a breach in my COMERICA BANK checking account, and COMERICA BANK did not notice ; this was likely due to a breach in their online services and my account was hacked, which allowed a piece of sh*t to try to steal over {$25000.00} directly from my checking account. The follow-up from the bank was pathetic, and I was not notified of any actions taken when MY MONEY WAS STOLEN ON THEIR WATCH! This is completely insane, really, and I deserve answers, not a non-response and a nearly-impossible-to-contact company who tries to use automated answering robots instead of actual humans ( I called 4 different times today and the stupid automated voice said the same thing each time " we are experiencing a high volume of calls, your wait time will be about 40mins '' ).
Complaint sub-issue: Debt resulted from identity theft

I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Account status

On my credit report the account with XXXX XXXX XXXX was opened XXXX/XXXX/2008. As of today this has not been removed from my credit report. The XXXX clock starts ticking XXXX days from the date ( month and year ) of the first missed payment that led to charge off, collection, foreclosure or repossession. 
" The XXXX ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ( 1 )
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Complaint sub-issue: Seized or attempted to seize your property

I received a letter from Citibank attorney and I was served and I got a call from a attorney and he threaten to sue me and have the police come to my house take my property and I dont work Im on XXXX and I have no money and I live with my parents now I didnt apply for a Citibank Best Buy credit card I send in a police report few times and each time they denied my fraud claim and wouldnt send me a fraud affidavit at all and keep sending paperwork to a wrong address and it would get forwarded by USPS to my new address. I dont live in XXXX  XXXX XXXX  XXXX XXXX Texas and they are harassing my neighbor.. the XXXX residents.. Citibank attorneys are threatening me with jail time and seized my property and I have call records to prove that and Im asking them to leave me alone
Complaint sub-issue: Card opened as result of identity theft or fraud

An account I ve never opened at a Macy 's store credit card is been reported on My credit file since XX/XX/2014, I had never asked or applied for a credit card a Macy 's or related chains
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions.