Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

As of Today, XXXX supplied a false creditreport to XXXXXXXX XXXX and XXXX 's falsely claiming I allegedly have many not paid as agreed accounts, severe delinquencies, and accounts I haven't had for decades or which a bank deleted settling a civil complaint of fraud in XXXX XXXX filed by my attorney seven+ years ago. Yet when my report is examined, I have all accounts paisd as agreed, never late on my retail telecom, auto, utility and other accounts. I was only ever able.to see good credit listings. I've written and requested all info on file about me with them, as well as to Equifax and XXXX XXXX, but no additional info or any of a deleterious nature is supplied me. As a result I have been denied {$620000.00} in loans and mortgages.
Complaint sub-issue: Other problem getting your report or credit score

I am attempting to purchase a home. My name changed after my divorce and XXXX XXXX and XXXX  were able to release my report to my mortgage broker, but Equifax is refusing to release my report, even after multiple calls and attempted faxes, multiple emails and submission of five forms of identification to a customer service rep, including my birth cert, drivers license, social security card, divorce decree, and a bill coming to my current address in my current name. 
Two days ago, I got an email stating that my case was closed, but they are still refusing to update my information or release my information to my mortgage broker. I may lose the purchase of this house due to their refusal to acknowledge my identification.
Complaint sub-issue: Having problems with customer service

I disputed information being reported on my credit report by AES ( Private Student Loan ) that claims I paid late back in XX/XX/2010. I requested proof that I paid late or for this negative inquiry to be deleted within XXXX Per the Fair Credit Reporting Act, and my request was ignored. Please see that AES complies with my request and the law.
Complaint sub-issue: Account information incorrect

I have written to XXXX on a minimum of three occasions requesting proof that this account is mine. I have no recollection opening an account with them and certainly did not fail to pay any amounts owed. They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. This charge off is harming my credit profile and score.
Complaint sub-issue: Information belongs to someone else

I have a collection showing on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. This is not my debt, and I requested validation of the debt repeatedly from the credit bureaus, but have received no validation, or even confirmation of an investigation. I also requested validation directly from XXXX by certified mail. They received that letter at XXXX am on XX/XX/XXXX, and I still have not received any sort of response from this company. I also tried speaking XXXX resolve this issue, and they told me that the address where the service was provided was XXXX XXXX XXXX XXXX, XXXX OR XXXX. I have never lived at that address, and in XXXX my address was XXXX XXXX XXXX XXXX XXXX OR XXXX. This is not my debt, and the bureaus should not be showing it on my credit report.
Complaint sub-issue: Application denied

I applied for the First Progress secured credit card on XX/XX/2021. I was told that I was approved and that I needed to either make a {$2000.00} dollar deposit or send {$29.00} for them to process the card and then after I receive it then make the deposit. I decided to pay the {$29.00} After three weeks of not receiving my card I contacted First Progress to find out about the status of my card and ask why I did not received it yet. The customer representative told me that the reason was that I needed to send a copy of my drivers license and a copy of a utility bill, to which I said that I was ready to do. I asked if I should email the documents or send them by regular mail. The customer representative told me that I had to fax them, however she stated that it was to late already and that I needed to re-apply and paid an extra {$29.00} I asked to speak with a Manager since I felt that what was going on was totally unfair. I spoke to a Manager and explained the issue. He told me that in deed I had to reapply and pay an extra {$29.00}, which I told him it was absolutely absurd. First, they never told me about the extra paperwork and second they wanted me to pay more money. I mentioned to the Manager that it stated in their fine print that if I was to be denied for whatever reason I would get my money back. He said : Im sorry, but if you want your card you have to re-apply and pay an extra {$29.00} Totally unfair. This people are thieves.
Complaint sub-issue: Other problem getting your report or credit score

Received notice my credit information was exposed by Equifax being hacked. I went to the Equifax website to confirm and Equifax confirmed my information was breached. That was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I applied for an auto loan. I was denied based on information provided by Equifax. Then I went to XXXX to find out what was wrong. XXXX XXXX and XXXX show good credit sufficient to secure an auto loan or any other loan. I was unable to access my Equifax information. The website denies me access no matter what I do. Tried calling them and am on hold for up to XXXX hours when a recording plays. It says the party you are trying to reach is unavailable. 

So, they are reporting bad information compared to other credit agencies. They deny access to that information and are unreachable to get any information. 

As a consumer, I find this a tortuous interference of business. Slanderous and with intent to do harm. What is my recourse?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX has violated my civil rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an 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 any purpose
Complaint sub-issue: Account information incorrect

I recently applied for a car loan thru XXXX XXXX. I was denied thru SageStream LLC. I received a credit score of XXXX. This happen on XX/XX/XXXX. My XXXX Score is XXXX. They are using information from 10 years ago. I am not delinquent on any accounts and pay everything on time. Credit used with my credit limits are too high. Why is my score so low with this company. Never heard of them. From reading other complaints I believe this is a faurd company. I would like this searched into. It is effecting my credit I have worked so hard to rebuild
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted MoneyLion several times in reference to this alleged account in my name. I called their customer service to report that I had never opened an account with MoneyLion and that it was opened fraudulently in my name, the person I spoke to told me that they would send me some documentation so I could dispute the account which they never sent. I have disputed this account multiple times with XXXX  to no avail, I even submitted and Identity Theft Affidavit with a police report attached. I have tried to dispute with MoneyLion via Email and asked for validation of this debt to which they ignored my disputes then sent me a copy of a form with a computer typed signature that could have been done by anyone including them and after they sent the " validation '' sent me an email stating they were closing my case because they had not heard from me despite the fact that I sent them a dispute via certified mail with a return receipt. When I asked them about the letter I sent via certified mail they told me they had not received it even though I have a signature confirmation that they did receive it. I've even offered to pay this inaccurate account off just to have it removed from my report because it is severely and unfairly damaging my credit because I never signed up for this account and they ignored my emails. I have even disputed this account previously through CFPB and they have failed to respond as of yet! I have been disputing this inaccurate account that does not belong to me for over a year. In that time, the account has been closed on my XXXX  credit report then reopened and then closed again which is also inaccurate reporting! I was able to get it removed from my other credit reports due to its inaccurate reporting but XXXX  will not remove it and claims that it has ben verified even though I have yet to receive any actual verification or validation of this account. This is not the first time MoneyLion has been accused of fraudulent business practices ; see United States District Court case no. 20-55058 DiCarlo V. MoneyLion. This testimony will be forwarded to the FTC since it is unacceptable for a lenders actions to negatively impact a debtors credit when the consumer has informed them that this account is a result of identity theft.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, while I was in a natural disaster forbearance period with XXXX XXXX XXXX, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called XXXX XXXX once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. XXXX XXXX finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but Equifax refused. I spoke to several representatives from both Equifax and XXXX XXXX to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The Company calls every with different people i started for them to stop calling me and they would call back an hour later. 

This is second company that called me regarding this loan
Complaint sub-issue: Problem getting your free annual credit report

I am unable to access my Equifax credit report. It has been like this for the past 8 months!! I have sent multiple letters to Equifax about this issue, I have even called them. They said there was a issue with my report and they will fix it. 8 months later nothing has been done. As of today XX/XX/2022 I am still not able to see my report. I have included a screenshot of the message that I get when trying to access my credit report!!
Complaint sub-issue: Account information incorrect

So Ive recently checked my credit report on XX/XX/XXXX,  and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be 13 credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, XXXX, XXXX and Equifax explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for XXXX., XXXX for XXXX, XXXX for Equifax they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : XXXX/XXXX/Equifax : 1. ) XXXX XXXX XXXX Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date :XX/XX/XXXX 11. ) XXXX XXXX XXXX Date :XX/XX/XXXX 12. ) XXXX XXXX XXXX Date :XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the 13 inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX XXXX : XXXXXXXXXXXX Phone : ( XXXX ) XXXX
Complaint sub-issue: Deposits and withdrawals

Hello Consumer Financial Protection Bureau, Previously, I opened a claim with a complaint number : XXXX. To summarize what happened in the complaint, an unauthorized transaction posted on XX/XX/XXXX for - $ XXXX. On XX/XX/XXXX I was given a provisional credit of + $ XXXX. On XX/XX/XXXX, the claim closed and - $ XXXX was taken away. When it was taken away, it was labeled Other Debit. I appealed this decision and WON THE APPEAL. However, Citibank still refused to pay me back. 

On XX/XX/XXXX, Citibank responds to CFPB and states that they need more time to do the investigation. On XX/XX/XXXX, they conclude the investigation in my favor and sent a letter stating so. But since they never paid me back, I called and sent additional letters even after I won the appeal. 

Earlier today on XX/XX/XXXX, Citibank sends another letter that states : With regard to the {$1000.00} debit dated XX/XX/XXXX, we found that this debit is directly related to a request previously submitted using a debit card to fund your Citibank checking account ending with XXXX for {$1000.00}, which posted on XX/XX/XXXX. We received notification on XX/XX/XXXX, which indicated that a dispute had been filed by owner of the debit card used indicating that the funding transaction was unauthorized. 

THAT IS INCORRECT The transaction that posted on XX/XX/XXXX is a valid XXXX transaction from my XXXX account. On the Citibank notes it says XXXX Debit Card Balance Builder INTERNET XXXX. However, in the XXXX notes it says Quickpay With XXXX Payment To XXXX XXXX XXXX. I only made one transaction on the XX/XX/XXXX between those accounts and they match up. 

Somehow Citibank mislabeled the transaction of XXXX XXXX XXXX XXXX instead of XXXX payment. 

The transaction number for this is XXXX. 

I have also attached a screenshot ( in PDF format ) of the XXXX XXXX statement. It clearly shows a valid XXXX transaction that matches Citi. There was only one transaction that was made on XX/XX/XXXX. According to the letter sent to me, on XX/XX/XXXX, Citibank received notification that a dispute was filed by the owner ( which isnt true ). Because of this, the screenshot will show entries between the dates XX/XX/XXXX and XX/XX/XXXX. If this was true and was really notified, there should be some type of reversal credit back to XXXX account between XX/XX/XXXX and XX/XX/XXXX. 

Before the Other Debit was the reversal of the provisional credit. Now they are stating Other Debit was the reversal of an unauthorized transaction on XX/XX/XXXX. 

Please help me! 

Thank you! 

XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I request a debt validation letter. I received an update from my credit monitoring software on XX/XX/XXXX that my credit accord was lowered. I contacted I.C. Systems Inc and asked why the date was wrong and requested a debt validation letter and he refused to send it. This was the first time learning about this companys attempt to collect a debt.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I moved from a home and left the property in better condition than received. Pictures from before the rental and after were provided. Receipts for cleaning were provided. However, they are still claiming over {$2000.00} is owed in cleaning and repairs. Their claim is completely without merit and they have told me that they would report to the credit bureau by the XXXX of this month if debt not paid.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # 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 consumer reporting agency can not furnish an account without my written instructions.
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 XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$820.00}
Complaint sub-issue: Account information incorrect

My Equifax report appears to be split into two reports. I get alerts to changes to the report such as balances and inquiries but when I pull my Equifax report from Equifax.com there are no updates to any accounts or inquiries since XXXX or XXXX of 2019 across every account. When I try to get my credit report from other sites such as XXXX it says I dont have one, or I may be deceased. Ive been denied credit multiple times for this reason. I was even sent to a companys internal fraud department. 

Ive called Equifax everyday for the last 43 days To get the situation rectified, only to get nowhere. Ive been hung up on, transferred to other departments, and never get anywhere towards a resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since XX/XX/2016and I am refusing to wait it out until it just " falls off ''
Complaint sub-issue: Debt is not yours

The debit from Wayfair is showing as in collections on my credit report. 
Date Open is stating on XX/XX/XXXX, XXXX creditor -Wayfair for the amount of XXXX. I contacted wayfair once I seen it was on my credit. They stated after investigation that they didnt show that anything debit or account was listed under name and information. They then sent me a documentaion on XX/XX/2020 stating that they terminated collection and have indeed do NOT have a balance nor any debit with them. 
I have the orginal documentaion available.
Complaint sub-issue: Information belongs to someone else

there are several fraudulent accounts open that have reflected on my credit report
Complaint sub-issue: Billing dispute for services

My data was breached on Equifax. 

Why is Equifax charging me {$10.00} to place a credit freeze on my account? They should make it free and also compensate me for the charges for credit freeze fees I have to pay to XXXX and XXXX. 

If not, Equifax stands to make > 1 billion dollars on their mistake.
Complaint sub-issue: Reporting company used your report improperly

I applied for financing via XXXX XXXX on XX/XX/18. I received an immediate denial letter stating my credit score was XXXX reported by XXXX. I have an Equifax account which shows my XXXX  score being XXXX as of XX/XX/18. I've tried reaching out to XXXX  with no results.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX ssXXXX XXXX This letter is a formal request to remove inquiries from my 3 Bureaus Equifax, XX/XX/XXXX and XX/XX/XXXX per FCRA if the companies listed can not provide me with my signature that I gave authorization to the following companies. The following companies are XX/XX/XXXX dated XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX, XXXX Auto Finance XX/XX/XXXX, XXXX XX/XX/XXXX. Please remove if a signed authorization with my signature can not be provided or validated under the 609 of the FCRA. 
Under the FCRA I ask you to investigate and to provide me with the authorized document with my signature that I in fact gave authorization to have my credit pulled. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion or your re-investigation. 
Thank you for your consideration and cooperation and if you have any question concerning this matter I can be reached at XXXX. 
Sincerely, XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I received an offer and opened a Citi Accelerate High-Yield Savings Account on XX/XX/XXXX. I deposited $ XXXX on XX/XX/XXXX and maintained the minimum balance until XX/XX/XXXX, I attempted to chat with a representative in XX/XX/XXXX to ask about the bonus. The rep said I didn't qualify because of money needed to be in the account longer, but XX/XX/XXXX to XX/XX/XXXX is more than 60 days required to get the {$450.00} promotion bonus. 

I attached the offer and bank transactions for review.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Called outside of 8am-9pm

" Hunter Warfield '' calling at XXXX and after XXXX.
Complaint sub-issue: Investigation took more than 30 days

I have mailed the 3 credit bureaus requesting validation of debt being reported on my credit profile over 30 days ago and until now I have still yet to receive a mail stating the status of my request or an update. I have mailed a follow-up letter requesting such information and haven't received a response
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Information belongs to someone else

The following accounts have been furnished on my consumer reports without my authorization or consent without my knowledge. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :