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

I have a {$1300.00} derogatory mark from XXXX XXXX on my Equifax, according to XXXX XXXX, that was opened on XX/XX/XXXX. This is inaccurate reporting. The last time I had lab work done prior to XX/XX/XXXX, was in XXXX of XXXX. This should have been covered by my insurance XXXX Either way, I've received no bills for this lab work. 

I have tried to file this dispute with Equifax, but every time I attempt to log in online to dispute, I get the error message " Please give us a call. We can't complete your request at this time. Please call the Customer Care team. '' Every time I call, I'm referred back to trying again online within a day or two, or that their " systems are down '' and to try calling back in a few hours. Sometimes they are " unable to verify my identity '' and won't let me proceed. 

I am tired of the cat-and-mouse game with Equifax. Because of them and inaccurate insurance reporting, my credit score is suffering. I'd like to get this dispute settled but I can not if I can't get past the first step of opening a dispute. Please advise.
Complaint sub-issue: Account information incorrect

I am in the process of refinancing my VA loan with XXXX XXXX XXXX   which was in the closing process when a credit reporting company ( Credit Plus , Inc reported an incorrect payment record on my XXXX XXXX XXXX   home mortgage loan. This caused a crash in my FICO credit rating and my refinance application to be rejected. XXXX XXXX XXXX my current mortgage lender ALSO through a process of malfeasance reports my correct payment record on their web site BUT reported two ( 2 ) monthly payments 30 days late. to XXXX XXXX XXXX  AND all three credit reporting agencies, My account is CURRENT and paid up to date BUT both XXXX  XXXX and Credit Plus Inc intentionally misreported my actual payment record, causing 1 ) my refinance loan to be rejected and 2 ) my FICO credit rating to be REDUCED from XXXX to XXXX. These illegal reports of late payments have caused me great harm.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2021 XXXX XXXX the Owner of XXXX XXXX, managing the property XXXX XXXX XXXX XXXX offered me to 'just leave now ', while being under the protection of the CDC XXXX XXXX. The offer did not have an expiration date or a specific time frame requesting an answer for the offer. On XX/XX/2021, I received an email from XXXX XXXX, XXXX giving me notice that XXXX XXXX has filed a collection against me. I have in writing, XXXX XXXX stating if we 'just leave now ', that the owner of the building would not pursue legal/credit recourse.
Complaint sub-issue: Their investigation did not fix an error on your report

After reviewing my credit report I noticed several unauthorized accounts.
Complaint sub-issue: Reporting company used your report improperly

Equifax released ALL my personal information including my card card information to an unknown entity during the major information release they experienced in XXXX (? ) 2017.
Equifax CEO 's also held back this information until they sold millions of dollars worth of stock, thereby stealing millions of dollars.
I suggest you charge Equifax with identity theft and credit protection of all Americans that they released personal information about, For Life. They could use all those millions stolen by the CEO 's and future money made by Equifax.
We, the consumers '', did not do anything wrong and we should not be held responsible, For Life, to pay to monitor for identity and credit theft. We can not change our names, SS number or most of the other stolen information.
Eqiufax needs to pay the other 2 credit reporting agencies to also protect our identit
y and credit For Life.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt was result of identity theft

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX XXXX Account # XXXX Bal : {$9400.00} 2. XXXX CARD ACCOUNT # XXXX BAL : {$3200.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax on XXXX XXXX via letter of the error on my report of the Office of the Attorney General Child Support showing i am owing them XXXX. I contacted them and discovered I DO NOT OWE! It is on my credit in error and I am attaching a copy of my report from XXXX  to show they are reporting {$0.00} balance!
Complaint sub-issue: Their investigation did not fix an error on your report

Creditor : XXXX  XXXX XXXX - XXXX Creditor : XXXX XXXX XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - Account:XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as XXXX, Equifax, XXXX these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the XXXX XXXX forgave I am a XXXX veterans please give me a call at
Complaint sub-issue: Reporting company used your report improperly

N accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # # # # 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 with out my written instructions.
Complaint sub-issue: Deposits and withdrawals

It has been over 9 weeks of trying to unfreeze my new savings and checking account, and Citibank refuses to help. 
They flagged my account for fraud and will not even tell me why. I gave them many forms of I.D . but they are demanding a utiliy bill and pay stub. Because I do not pay utility bills where I live ( It is a temporary rental until XX/XX/XXXX ) I can not give them my utility bill. Because I am on XXXX, I can not give them a paystub. I did give them my XXXX statement from social security with the same address, and my social security number on it. That is my paystub, but they won't accept it. 
This is now a civil rights issue, because I am being discriminated against for not having a regular paycheck, and only a XXXX statement. I also gave them bank and credit card statements from another bank with the same address on them, and my drivers license. 
My drivers license address was not changed yet because I am living in a temporary rental. But I did send them a copy of the lease for the temporary rental to show a physical address. And I called to change the address on my account to the temporary rental so it would match. 
I just signed a lease for a new rental on XX/XX/XXXX and I updated my drivers license to match my new XX/XX/XXXX address. I can send them this future lease and address-changed drivers license, but I can not even get a call back from XXXX XXXX XXXX Citibank 's executive response office. 
He seems to be purposefully unhelpful, and that is why this dispute is going on 10 weeks. 
I requested another person to call me, but no one called yet. 
All I did was trust Citibank by opening a savings and checking account, while being completely honest in my application. Trusting them costed me literally 50+ hours in disputing time, lots of stress, and my XXXX  scores have dropped over 100 points because they have my money locked up and I can not pay my bills. 

This is unfair. Please help me unlock my money so I can pay my bills. 

The only thing I could think of, as to why they would do this to an honest customer, is maybe they want to renegg on their promo offer? 
I opened the account on a promo offer to receive a bonus of {$1500.00}. 
Is this their way of keeping my money for months without having to pay the promo offer? 
Either way this needs to be resolved. 

Additionally, I have been a Citibank credit card customer for well over 10 years, with the same address on the credit card account. I also called to verify and activate the debit card they sent me for this new frozen account with no problem. So why would they mail a debit card to me to access the {$220000.00} on deposit, if they think I am a fraud? 
And why was my account status healthy when making deposits, and not healthy when I tried to access my money? None of this makes any sense.
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/XXXX, I received an alert that a new collection had been added to my Equifax credit file. The amount was for {$200.00}. The credit agency only shows a number, XXXX. The entry does not show an original lender. The account number is listed as xxxxxxXXXX. It shows that the account was assigned on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a certified letter to Equifax requesting them to remove the collection account based on section 611 ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act because it appeared to be the same account that was deleted from my Equifax credit file in early XX/XX/XXXX. The amount, account number, type of debt and assigned date are the same as the account that was removed in early XX/XX/XXXX. However there is no original creditor. I received no notice from Equifax as required by the Fair Credit Reporting Act that this account was being reinserted into my Equifax credit file. The language of 611 ( a ) ( 5 ) ( B ) ( ii ) states : ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to Consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Equifax just sent me notice that they verified that the account belongs to me. When I received the response from Equifax around XX/XX/XXXX, it showed that it was indeed the very same account that was deleted in XX/XX/XXXX. There was no documented proof produced by Equifax proving how the account belonged to me or why the account was reinserted. This is a clear violation of the Fair Credit Reporting Act section 611 ( a ) ( 5 ) ( B ) ( ii ).
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CARMAX AUTO FINANCE XXXX Balance {$9900.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Didn't receive enough information to verify debt

Upon review of my credit report I see a negative account report from a company named Uplift. I have attempted to reach this company via certified mail, asking for them to validate the debt as well as list it as DISPUTED on my credit report. The certified letter I mail was received by Uplift on XX/XX/2021. I have yet to receive a response from the company. They have NOT verified the debt and have NOT listed the account as disputed on my credit report. I have proof that the verification of debt request was received on XX/XX/2021 by Uplift and I have proof on my credit report it is not listed as disputed. They are in clear violation of the FCRA & FDCPA which protects consumers and allows us to request verification, and if none is provided within a 30 day time frame it must be removed from our credit report. I expect that this company will comply with the laws set forth and remove this item from my credit report in a timely fashion.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX I made 2 purchases through XXXX. One for {$69.00} and another for {$20.00}. Towards the end of the day there was a change in plans and I contacted XXXX to cancel the purchase and they confirmed that they issued a refund and sent email confirmations. So I reached out to my bank ( Citibank ) and after speaking to them for the last 4 days Ive been given the run around about when my money will be back into my account. I was told a different time frame each time I called. And at this point I dont think anyone knows. But when it comes to dealing with a persons money this shouldnt happen. While this may not seem like a lot of money to most people. Its quite a bit to me. I work very hard for my money.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Good afternoon, I'm contacting you in reference to my American Education Services, American Education Services has been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by XXXX and American Education Services My credit rating score was above XXXX. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as American educational service is doing illegal collecting and reporting practices.
Complaint sub-issue: Old information reappears or never goes away

Equifax reached out to the US Dept of edXXXX, which has been reported on my credit report since XXXX. Equifax recently provided them with my email address of which I am being harassed. As of today, my FICO score was dropped XXXX  points due to payments on this account not being made. US Dept of Ed, stopped these payments themselves due to the Pandemic, stated in an email sent to me on Saturday, XX/XX/XXXX. 
If the US of ED, stopped taking payments because of the pandemic, why on earth did they report this account 120 days late. 
Also, on XX/XX/XXXX and XX/XX/XXXX, activity by XXXX  XXXX was reported to Equifax, for charges that were pending on my account from a purchase made at XXXX late the evening before. When I called Equifax on XX/XX/XXXX, the representatives stated that XXXX XXXX provided them this information. Under FCRA, card usage done by debtor can't be reported until the billing cycle, mines is the XXXX of each month, yet Equifax had access to my shopping in XXXX, transaction still pending, to which my credit score was reduced XXXX points on XX/XX/XXXX, the following day after the purchase was made. Also, I made payments to this account to decrease the balance, before my billing due date, this information was not reported or updated, nor did it increase my credit score back to the previous score after losing XXXX points. It is also fair to note that XXXX XXXX would not allow me to make a payment, because my transaction was still pending and my balance was still low, too low for them to allow me to make a payment. How did Equifax get a hold to this information? 
Last but not least, XXXX is reporting inaccurate information, has failed to update, information, that the account was sold to a collection agency, when and the amount it was sold for, in addition to providing the name of the new account holder, and keeps reporting this information as verified. on XX/XX/XXXX, I sent a certified letter, asking XXXX to validate this account. It is now XX/XX/XXXX and XXXX XXXX has failed to validate any updated information. XXXX sold this account which means they no longer own the debt, but they are refusing to update my credit report or respond to me directly.
Complaint sub-issue: Debt was result of identity theft

CITI BANK XXXX XXXX XXXX XXXX. TOOK OUT DOUBLLE MY MONEY.
Complaint sub-issue: Information belongs to someone else

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.
Complaint sub-issue: Debt was paid

First knowledge of debt was a hold on my checking account, via a email from chase on the XXXX of XXXX. 
I called Coachella valley collection services in XXXX XXXX ca. The same day to request validation of debt that was 11 plus years old, bank email was my first received notice, and the hold of XXXX $ could not pay bills. At the time verbal request for verification of debt as well as disputing any amounts claimed. I followed up with two mailings certified and return receipt of the same, also requesting cease and desist any collection attempts due to disputing all. I received a renewal of a judgment only with a amount of over 82,000 . They took the XXXX $ on the XXXX of XXXX all after they were served with my dispute and verification notice. I then both written and verbal requested all debits and credits accounting on this dept ever. Telephonic to their attorney XXXX XXXX, and couldn't get it. I haven't even received the original judgment only the renewal. They haven't even received a receipt for the money they took out of my chase account. XXXX . I think thats grand larceny. The renewal judgment is for XXXX $ the letter it came with states XXXX $ with interest of XXXX $ on a claimed debt XXXX $ from a hoa. Judgement date of XX/XX/XXXX. I received no notice or the judgment still.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was involved in a motor vehicle accident in XXXX. The driver that hit me was at fault, I filed a claim with his insurance company as well as my own to ensure medical was covered. Americollect states that I am responsible for this balance and has placed a collection on the credit report. This is incorrect insurance is responsible for this debt, this responsibility does not lie upon me. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Americollect states that it meets FCRA requirements as per XXXX, XXXX, XXXX. Americollect is in violation of the Fair Credit Reporting Act as they have listed the hospital onto my credit report which is also a HIPPA violation. This is a direct violation and needs to be removed from all credit reporting agencies again I repeat this is not my debt.

As Americollect is violating the FCRA and HIPPA & FDCPA please update your records and remove all negative information/collections accounts immediately. 

Please bear in mind per violation I can seek up to 1,000 dollars per violation at a local venue of my choosing. 
Contacted Americollect on XX/XX/XXXX The at fault party whose insurance this should be collected from : XXXX XXXX XXXX XXXX ( Employee ) Their AL policy number is XXXX and you can call XXXX to submit a claim on their policy. Claim Number : XXXX XXXX  offers no fault insurance protection if needed. Claim Number XXXX XXXX
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) 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.
Complaint sub-issue: Account status incorrect

This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.
Complaint sub-issue: Information belongs to someone else

It's not my account and inquiries, i have never applied for this. I believe that somebody used my personal information and applied for this. I'm not responsible for this debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied for a checking and savings account at XXXX XXXX, without my consent this company did a HARD CREDIT PULL on my Equifax. 

Contacted XXXX financial around XX/XX/XXXX via phone, the agent stated a request was submitted to the correct department and that I would hear back within 3 business days. I never received a call back, email or any communication. 

A second contact attempt was made on XX/XX/2021 via online banking and although there was a response it was not helpful. 

This complaint is about the fact that when applying for a checking account there was no clear request for approval to pull my credit. Most banking institutions do CHEXSYSTEMS for deposit accounts ... a consumer NOT APPLYING FOR CREDIT should not be impacted by opening savings/checking accounts. Never in my 15 years banking have I experienced this by an institution. 

I already submitted a complaint to EQUIFAX and it was not resolved by them. Only XXXX may make the necessary corrections.
Complaint sub-issue: Investigation took more than 30 days

There are items being reported on my credit report that are inaccurate and I have contacted these companies over 60 days ago for a solution and I havent gotten a response yet! i have attatched the letters for confirmation