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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I mailed off a debt validation on XX/XX/2021. The company has not responded with any documentation to prove this debt is valid. Im the validation I specified that I needed the information sent back to me within 30 days and it has not been today it is XX/XX/2021.
Complaint sub-issue: Other problem

Spoke with XXXX on XX/XX/22 at XXXX I was given relief on my missed payments. I was negatively impacted by the coronavirus pandemic and missed payments on my discover card, When discussing the cares act with the agent, asking that since I received relief with the accommodation of waived late fees that the account should reflect as current. This was not provided to me. 

On XX/XX/XXXX I spoke with 2 agents I was given a refund in late fees and encouraged to raise my limit.
Complaint sub-issue: Personal information incorrect

I have contacted XXXX several times about the incorrect personal information they are reporting on my consumer report and they have refused to remove it. As a Credit Reporting Agency they are supposed to be reporting accurate information only. There are several addresses, employers, and phone numbers I am not associated with.
Complaint sub-issue: Account information incorrect

To whom it may concern, I have had a Home Equity Line of Credit with XXXX XXXX for almost fifteen years. Recently, XXXX XXXX chose to report, " Account Closed '' on my credit bureaus, even though it is OPEN with a balance that I make payments on each month. XXXX XXXX had blocked access to funds back in XXXX when real estate values had plunged. I 've never been a day late on my payments, EVER! And now my account is considered " CLOSED ''!? 

The issue I have is that this move by XXXX XXXX of reporting my account as " CLOSED '' has caused my credit scores to suffer terribly because still having a {$71000.00} balance now makes my utilization percentage on my credit reports soar to over 100 % virtually killing my credit scores. So much so, I 'm having trouble getting credit and refinancing my house. It 's unfair and causing financial hardship for me and my family. 
The stress is unbearable, as I am unable to acquire new credit for my business or refinance my house. I need your help. Please advise.
Complaint sub-issue: Information belongs to someone else

On several occasions I have submitted documentation, police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. All f the disputed accounts are still under investigation per Equifax as of today. These accounts have been under investigation for over 3 months. This is not legal. This verifies that these accounts have not been verified per the creditor as they are not mine. The accounts are XXXX/XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. A fraud alert has been initiated on my account for months now and unauthorized inquiries are still being pulled on my credit. They are XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Equifax has done nothing to correct the incorrect information that is reporting on and destroying my credit file.
Complaint sub-issue: Problem accessing account

I had an account with Wise. There is about $ XXXX USD in the locked account. $ XXXX is currently in the balance which I was trying to send to my bank account, from which they took 2 weeks to " review '' the transaction, and then today they closed my account. The other $ XXXX is in the account, but will not show up in my balance due to them not completing their " review '' which is what support told me. So there is $ XXXX in that account which has now been locked with XXXX reasoning. I'd like to get my money out to my bank account.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, SSN XXXX, DOB XX/XX/1966, TO WHOM IT MAY CONCERN : I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE, INMFORMATION, OR WHICH CANOT BE VERIFIED. ALL COMPANYS ARE BELOW : IT IS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681I, EVERY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN, NON-COMPLAINT, INCOMPLETE, UNTURE, INCORRECT, AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BER COMPLETELY DELETED. THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATINS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, NOT MINE, NOT MY RESOPONISIBILITY, OR OTHERWISE PRO COMPLAINT TO REGULATORY FEFERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY THE INFRACTIONS ARE AS FOLLOW BELOW. I AM DEMANDING THAT THIS ACCOUNT BE UPDATED TO PAID AS AGREED AND NEVER LATE.BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX XXXX XXXX CPOMPLIANCE REGULATIONS, I DEMAND THAT THES ABOVE MENTION DEROGATORY ITMES BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 
SINCERELY XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have been paying my Best Buy store cared every month, but I become more in debt to them every month. I owe them $ XXXX right now even after paying my month bill. The debt is pilling on top even though I don't use the card at all that month. Apparently, I have been charged for a debt protection that ranges from $ XXXX every month. I absolutely NEVER agreed to pay this monthly charge. I've actually, had more than one card do this to me at a time. Whomever signed me up for this charge is a fraud! Best Buy/Citi Bank is known for doing this. I'm not working right now and this is overwhelming debt must stop pilling up on me. I've tried to work it out with Best-buy with absolutely no help at all. Please help me. This is a fraud. 

Thank you, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have hard inquiries on my credit report that's not mine and unauthorized and would like to have them removed asap. It's so many dates that it's unreal that type of stuff could happen
Complaint sub-issue: Reinserted previously deleted info

A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on in   XXXX  . This debt is past the statue of limitations and o ver 7 years old. Equifax  did an investigation last year and did nothing. The original default date is incorrect, but it shows   XXXX  .
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX, XXXX XXXX XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity. 
At the same time, XXXX XXXX, a debt Collection company, reports an open balance of {$580.00} on the same XXXX XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct. 
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt. 
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and XXXX XXXX to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''. 
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS. 
This debt cycle is one that is hard to recover from, and Synchrony, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting. 
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and XXXX representatives simply mocked me.
Complaint sub-issue: Their investigation did not fix an error on your report

I asking XXXX  help because Equifax is not investigating a fraudulent account on my credit because the account is hold by its investor
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, # XXXX 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 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which enter dates the report by more than seven years.

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, Equifax, XXXX.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Complaint sub-issue: Account status incorrect

The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018
Complaint sub-issue: Reporting company used your report improperly

Account name XXXX  XXXX Account number XXXX Date opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right of 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: Account information incorrect

XXXX has erroneous/ false payment records they claim i was a customer of XXXX XXXX XXXX from 2016. 
however the record only reflects XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account number XXXX, XXXX XXXXXXXX XXXX XXXX XXXXccount number XXXX, XXXX XXXX XXXX ( both listings ), XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXX XXXX Account number XXXX has violated my rights. Specifically, 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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Contacted XXXX XXXX of XXXX XXXX, they ran my credit more than one time. I emphasized that I didn't want my credit ran but one time. I talked to some in in the finance dept and she said there's nothing she can do. 
the list is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

Hi, My XXXX FMLA ( i.e., maternity leave ) goes into a Money Network account ( XXXX ) and I am unable to withdraw it. I have attempted to transfer money out of this account every single day for over 2 weeks and not a XXXX has transferred and no explanation. I started taking screenshots of the confirmations showing that a transfer is scheduled. I'm frustrated NJ moved from Bank XXXX XXXX to Money Network b/c I have no access to my money. 

Thanks, XXXX
Complaint sub-issue: Received bad information about your loan

FedLoan Help : Nonprofit Organization is a scam, do not give these awful human beings your information. This 3rd party company mislead me to believe that they were affiliated with my student loan agency and the Department of Education. They informed me that I would be entering into the Public Service Loan Forgiveness program, Income Based Repayment Plan, and loan co nsolidation. They charged me {$150.00} a month leading me to believe I was paying off my student loans. Once I found out the payments were not going to my student loans, I tried to reach out to the FedLoan Help for clarification, they refused to answer the phone and never returned my phone calls. Shame on you FedLoan Help you guys are frauds!
Complaint sub-issue: Problem using a debit or ATM card

I was in a life threatening accident in XXXX of XXXX. I was admitted to hospital because I had bleeding on my XXXX. I had XXXX XXXX and was in a XXXX to give my XXXX  and body time to heal. I was in the hospital until XXXX of XXXX and prior to this I did not leave. When I got home in XXXX of XXXX I came to realize my boyfriend at the time of the accident emptied out my bank accounts. He filed my taxes fraudulently and had them deposited into a credit karma account. He also completely took over this account. He had my phone, my is, social security card, all my banking information I mean He had everything. He completely stole everything I owned and evert dollar I had. Even my clothes and my childrens stuff. When I found out I immediately called all the banks and made police report and identity theft report and when I contacted credit karma and reported the theft the lady said everything was filed and I would get my money back in less the 9 days. This was on XX/XX/XXXX she also stated they would be contacting me to get my supporting documents. On XX/XX/XXXX I saw on the account that the dispute was closed. It didn't say why so I called credit karma and the man said that he escalated my complaint and that he was going to help me out and make sure I got the provisional credit but this would be no more then 15 days. He also said they would be contacting me for my supporting documents. On XX/XX/XXXX I saw that there was an jpeg attached to the transactions on the credit karma app and so I took a look and it was letter from credit karma saying that my dispute was not valid because the transactions were all authorized. I felt so terrible I have been in tears since. This man stole my identity and I feel like they are letting him get away with it. I have never been treated so awful in my life. They never even contacted Me or asked me for my supporting documents. I would like to speak to whoever I got too because I would like to take this to court. I was in XXXX I don't know how I could have authorized anything. One of my doctors discharge notes were do not put my XXXX  at any risk and avoid situations that cause large amounts of stress because it's so important for my XXXX  to continue to heal and large amounts of stress can alter the healing process this is also included in the note inhave from my Dr that's certified to credit karma stating that I was in hospital and in XXXX during the charges and I could not have authorized the charges. Credit Karma never seen that because they have no contacted me about the disputed transactions. Since I got out of hospital I have been under huge amounts of stress because I had everything stolen from me and I don't have way to even buy groceries and I can't work because of XXXX XXXX XXXX so I am just stuck and can't even get the money back that eas stolen from me. I have huge headaches and all I do is cry its awful. I pray to God someone hears my story and sees how wrong it is and helps me. All I want is my money back. {$2400.00}
Complaint sub-issue: Was not notified of investigation status or results

I mailed a dispute letter to the Equifax credit reporting agency on XX/XX/XXXX asking them to verify the 17 negative accounts that appear on my credit report. I included another notarized page with clear photocopies of my drivers license and social security card. As of XX/XX/XXXX I have received nothing from Equifax in response to my letter. I should also note that I have received reponses from the other two major credit reporting agencies within the 30 day time limit. 

I am including with this complaint a copy of the dispute letter that I sent to Equifax and a copy of the Ceritified Mail Receipt. Equifax received the letter on XX/XX/XXXX.
Complaint sub-issue: Problem with personal statement of dispute

Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( XXXX, XXXX, and equifax ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report. 
This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

1. XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

2. XXXX XXXX Equifax is reporting a past due on a collection. I read this is A violation of thr FCRA. 

3. USDOEXXXX XXXX XXXX and equifax are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting? 

4. US DEPT ED XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages 5. US DEPT ED XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and equifax is reporting activity after this account was Closed.
Complaint sub-issue: Information belongs to someone else

My id was copied and used to take money from my bank, open cards in my name, license was also used to register someones car with out permission, and social security number was compromised ; and also used at the bank, phone was hacked as well.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act 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 with my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus are reporting accounts wrong and there are several errors that need to be corrected because it is hurting my credit scores.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

To whom it may concern, The below summary will serve as a time line of events that happened when I found out that XXXX XXXX billed my Credit card ending with XXXX without my authorization on four separate occasions for a total of XXXX dollars. 

On XX/XX/2019 I noticed that my credit card was billed on 4 separate occasions for work that was not performed for a total of XXXX dollars. The date of the separate charges are as follows, XX/XX/2019 for XXXX, XX/XX/2019 for XXXX, XX/XX/2019 for XXXX and XX/XX/2019 for XXXX. I first contacted XXXX XXXX via txt message at XXXX on XX/XX/2019 letting XXXX XXXX the owner of XXXX XXXX about the false charges. Just the past month I had him perform work that I paid for via XXXX application, so I was not too alarmed, just thought it was a mistake. However I was very mistaken! I also sent an email an email to the owner email account, XXXX listing all the charges with ( please credit ASAP ) in the subject title. The owner of XXXX XXXX said that it was a mistake and would reimburses me the full amount. However after over a month of excuses and back and forth he finally admitted that he does not have the money, and never mailed any checks or tried to reimburse me the full amount of money he charged my credit card. 

During this time I also contacted My Credit Card Company and put a hold on my card, and eventually closed out and opened up a new account. During this time I was contacted by Citi Security CC Company, and asked if I authorized another XXXX charge by XXXX XXXX, and I said no, so they denied the charge. I also contacted my local XXXX department and opened a police report for the false charges. The Police report number is as follows, Case # XXXX and officer of took report is named Deputy XXXX XXXX # XXXX, phone number XXXX XXXX With that said, my Credit card company ruled against me because the owner of XXXX XXXX  simply provided a false receiptsignatures for the transactions. He ran my CC against his app, and simply forged my signature, I was in a diff city XXXX XXXX when these false charges were supposed signed approved by me. How can the CC company take this as proof?????? 

PLEASE HELP!!! 

Thanks XXXX XXXX
Complaint sub-issue: Trouble getting, activating, or registering a card

Well I was trying to make a account with discover and it said I have an account with them but I never make a account with them.