Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I was affected by XXXX, XXXX XXXX XXXX closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX  or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to XXXX  and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint on behalf of myself. According to the FCRA The 3 consumer reporting agencies are in violation of 15 USC 1681 section 602. Which states I have a right to privacy. I sent these companies a dispute letter stating that are in violation of 15 USC 1666b ( please see attachment ). Pursuant to 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. They are in violation for reporting this inaccuracy to my consumer report. They are being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy on my report based on federal law Please see attachment.
Complaint sub-issue: Account information incorrect

Late Payment reported for XXXX XXXX I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.
Complaint sub-issue: Account information incorrect

The Credit bureaus stated my my account was properly investigated but how is that possible if the open data is still inaccurate the data active is incarcerated and data is not accurate the grounds for removal They also violated my rights under. In accordance with the fair credit reporting act XXXX  account XXXX  has violated my right 15 U.S.C 1681 section 602 A 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 written instructions also also credit bureaus took more then thirty days to complete my investigation here are my Certified tracking number XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Complaint sub-issue: Reporting company used your report improperly

Credit karma pre approved me for several credit cards in which I was not approved for therefore impacting my credit score.
Complaint sub-issue: Account information incorrect

EOS CCA - # XXXX : I do not owe this debt. I have always paid my bills on time & never received any notice that I owed this. This is in violation of my 30 day right to dispute. This needs to be removed from my credit file as I was never notified about this debt.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/XXXX I reviewed my CBR and noticed a Money Lion account that I had not opened. This account was opened in XX/XX/XXXX. So I called them immediately. 

This account was opened with an e-mail, phone number and ADDRESS that was not mine and has NEVER been mine. I have proof of my address in a rental agreement, I had been at my residence for over 2 years when this account was opened. 

I contacted the agency ( Money Lion ) immediately in XX/XX/XXXX and they closed the account and sent it to the fraud department after VERIFYING WITH ME THE INFORMATION WAS NOT MINE. I was told this would be handled and would no longer reflect on my credit report. I have not heard anything from this company since XXXX. 

I disputed the account in XXXX as it was still showing on my report, and the company verified it on my credit report in XX/XX/XXXX. How can you verify an account that was fraud?? The address is not mine I have documents to prove where I lived in XX/XX/XXXX and it was not at the address they have listed for this account. 

I have called and they will not allow me to speak with a supervisor, they make you wait for a call back. I'm still waiting for my call back since XX/XX/XXXX. 

I called again today XX/XX/XXXX and was told by a representative that this account is still in the fraud department. I have given this company ample time to investigate and they have not done anything. I again asked for a supervisor and they denied me. I asked to speak directly with their fraud department and they told me that is not allowed. Why would I not be able to speak with the people handling my fraud case? 

It has been 7 months. They should have had an answer for me after 30 days. The account should have been removed after 90 days because the information is incorrect as it is a fraud account. It has been well over DOUBLE that time. I need this account removed from my credit report and they refuse to do it or let me speak with a supervisor or the fraud department.
Complaint sub-issue: Fee problem

I open checking account in Citibank in XXXX and when I was opening the account I was told I need to have one direct deposit and one bill so I can avoid monthly XXXX $ fee and so I have setup my direct deposit and my bills. Recently I was reviewing my statements as saw Citibank is charging me monthly XXXX $ fee over a year at least from XX/XX/XXXX. On XX/XX/XXXX I was talking to a representative on Citi Mobile app 's chat and she told me my bill should be and I am quoting " Qualified bill payment is Automated payment services that can be set up at financial institutions. The customer need provide the bank and company with debit information and bill are withdrawn automatically out of a checking account and reported monthly statements '' and I told her that exactly what I did and she said let me check and never responded, so called them and told I have a bill and direct deposit and they told me they have a policy of returning only last 60 day not more and it is my fault because I did not check my statements previously ( which is correct If I check my statements I would have noticed ), but that does not change a fact they charge me incorrectly and they are refusing to return it.
Complaint sub-issue: Debt is not mine

It was in XX/XX/XXXX XXXX recovery put me in collection for an account business LLC his name isXXXX XXXX started on XX/XX/XXXX and closed out onXX/XX/XXXX. 
Jomax recovery keep going down my reporting in collection
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I received my stimulus check in their savings account. Credit Karma asked me to link my accounts to withdrawal. My account was having issues linking. So I contacted customer service. They escalated to emails because they could not figure out what was going on. After 24 hours after the initial email, I never got an update. I went back online and chatted with customer service again. Told them the urgency. They, again, directed me to email. This time, there were microdeposits in my account getting ready to link the accounts. Now that it is XX/XX/XXXX, I have tried to contact them 5-6 times through their chat. Every time, they have sent me to their email answering system because their lower level can not solve the issue. Every time, I get no response from their higher up team. 

Their partner for linking, XXXX, does say I am linked through their end with my bank account and Credit Karma. Credit Karma refuses to look into why their end is not showing that the accounts are linked. They keep blaming XXXX. But it is not XXXX  's fault but it is on Credit Karma 's end. 

Back in XXXX, when I went to withdrawal money, I had the same issue. Credit Karma transferred the money into the account after two days of trying to resolve the issue. Now, it feels like they are refusing to do that method.
Complaint sub-issue: Fees charged for closing account

I closed my savings account approximately 2 years ago, sorry I do n't have the exact date. Then all a few month ago I started receiving statements with an  XXXX  cent balance. Last month I received a notice dated   XX/XX/XXXX     notifying me that my account was overdrawn in the amount of {$58.00} and the account was closed. The notice as stated that I was still responsible for paying the overdrawn amount and that my account  may  be referred to collections.  <P/> I incurred a monthly service fee in the amount of {$25.00} and overdraft fee of {$34.00}. On XX/XX/XXXX    I called customer service to deal with the issue. I spent over an hour and they were not able to help me, they referred me to go to the local branch. I visited my local branch on   XX/XX/XXXX     and again they were not able to clear things for me.  <P/> I do n't understand how an account that I closed ended up in these issues and now I have to spend all this time to fix the problem.  <P/> I am beyond frustrated and do n't know which route to take.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX  company summit and application without my consent to a Greensky with fraudulent signature.
Complaint sub-issue: Reporting company used your report improperly

I AM A FEDERALLY PROTECTED CONSUMER. And in light of the recent investigations brought upon EQUIFAX. I find my consumer file is irresponsibly tampered with. Ever since the first EQUIFAX BREACH XXXX.I have made several attempt to remind EQUIFAX of there DUTY PURSUANT OF 15 USC 1681. It appears EQUIFAX is intentionally and willfully being neglectful in remedying my affairs. 15 USC1681E ( B ) assures that I am due promised accuracy in my report based on FEDERAL LAW. This is another attempt by going thru the CFPB to have errors corrected on my consumer report 15 USC 1681i ( A5 ) SAYS that after all reinvestigations all the unverified information be removed. You can see in your system that these accounts I list below that were previously disputed without being thoroughly investigated thus I know that it cant be verified or validated ''. EQUIFAX DELETE THESE ACCOUNTS XXXX ACCT #, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXXXXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX.
Complaint sub-issue: Personal information incorrect

They have me listed in the computer as deceased as of XX/XX/2020 2020
Complaint sub-issue: Information belongs to someone else

This is my endeavor AGAIN to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$310.00} ; XXXX XXXXXXXX XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

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

15 US 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

On XX/XX/2020, I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX XXXX Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXXXXXX XXXX, Balance : {$230.00} ), XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX, Balance {$15000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. 
If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. 
& Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information.

If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). for these listed accounts below. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX acc : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days
Complaint sub-issue: Problem with statement of dispute

Had my computer stolen end of last year or beginning of this year. It had all my info on it all my pass words saved on it and all my dates would fill in any application. with all my correct info hope you can help. Someone tried to get credit card about XXXX or so really dont know exact amount of inquires they made.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for XXXX days without pay. I called XXXX XXXX to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following XXXX which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan XXXX informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my XXXX money deposit. I called XXXX XXXX and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an account being reported to my credit report by XXXX XXXX XXXX XXXX in the amount of {$8800.00} on XX/XX/2016 after formally disputing with the company directly on XX/XX/2016 and again 31 days later on XX/XX/2016 when they failed to respond within the 30 days required by the FDCPA including but not limited to Section 807-8 and FCRA. I provided copies of my reports time and date stamped confirming my accusation as proof they failed to respond. They have failed to also meet the same regulations set by the FDCPA and FCRA. 

I further filed a complaint with the FTC on XX/XX/2016 when I could not get either entity to follow Federal regulations.
Complaint sub-issue: Information belongs to someone else

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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX  account # 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: Investigation took more than 30 days

On XX/XX/XXXX, I sent investigation requests to the credit bureaus ; asking them to correct errors on my credit report. THey were supposed to respond within 30 days, but have not.