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

I requested the documents used determine that an account XXXX XXXX XXXX XXXX XXXX XXXX on my credit report was valid when I challenged this debt and provided documentation to validate my claim. The bureau failed to provide me the documents used as a part of the investigation.
Complaint sub-issue: Account status incorrect

I was a serious victim of one of the most involved identity theft fraud cases in the history of XXXX XXXX XXXX. After I opened my checking and savings accounts with the XXXX XXXX XXXX CA XXXX in XXXX, a few months later I started noting some strange activities on my accounts. Then I received in the mail filled out applications for XXXX XXXX Accounts that I never requested. I went into the XXXX to confront my Banker XXXX XXXX. His explanation was very alarming. He claimed that his colleague XXXX XXXX was working on another customer 's accounts and got some of my information involved. That was absolute XXXX. I immediately requested to speak to the Bank Manager.  When I brought this to the attention of the Bank Manager, his attitude was very disturbing. He responded as though this was a miniscule matter, and I shouldn't be concerned. That's when I decided to close my accounts with that Branch and move them to the XXXX XXXX XXXX where my Mother 's account was. So I requested them to immediately close my accounts, They informed me that all pending transactions had to be cleared first, and then they would contact me. After a week had expired and I wasn't contacted, I went into the Branch in person. I requested to meet with the Branch Manager again. I told him that if my accounts weren't immediate closed and I didn't receive my full funds, I was going to file serious fraud charges against him and anyone involved with my accounts. I finally did receive a cashier 's check that morning. I immediately went to the XXXX XXXX XXXX and met with XXXX, my Mother 's personal banker. I told him of the serious matter with the XXXX XXXX XXXX, and I wanted to open accounts in his XXXX. I also told him that I wanted serious security alerts in place so nobody from the XXXX XXXX XXXX could access my new accounts. Bottom line, for almost three more years serious identity theft and fraud took place causing me utter chaos. Because of this serious matter numerous items of derogatory information was reported on my three credit reports. I have spent the past several years trying to resolve these issues with all three credit bureaus with no luck whatsoever. Because of the extreme sophistication that the employees from XXXX XXXX used, the credit bureaus don't believe my explanation. As a good example, recently when viewing my credit reports, I discovered something very strange. Three recent collections reports all dated in XXXX of this year. That absolutely doesn't make any sense.
Complaint sub-issue: Information that should be on the report is missing

I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. They were taken off in error and the creditor said they are STILL reporting it. It is on EQUIFAX now to add It back. Thank you! This is becoming very serious! 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts. 

They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.
Complaint sub-issue: Account information incorrect

I have been disputing these accounts that have been reporting the wrong amount, dates, etc of accounts for over 1 year. If these accounts are not reporting 100 percent accurate, I am requesting immediate deletion.
Complaint sub-issue: Funds not received from closed account

XX/XX/XXXX Opened the savings account with Discover Bank, with an opening deposit of XXXX dollars, money transferred from a XXXX checking account. 

XX/XX/XXXX Scheduled a fund transfer of XXXX from my XXXX checking account. At the time I had more than XXXX dollars in my account. I did not want this transfer to go through, so I purposely took out XXXX dollars from my checking account so the request will be rejected. 

XX/XX/XXXX In which XXXX dollars of the XXXX dollars that I took out of the XXXX checking account were sent to the Discover Bank savings account. 

XX/XX/XXXX Discover Bank subsequently closed the account as they suspected that there was fraudulent activity going on. 

After this I have called Discover Bank 4 times, most recently XX/XX/XXXX, first they told me to file a hold harmless agreement with XXXX, and then they told me that they could not disclose any information on where the funds were. 

I have also contacted XXXX but they did not receive any money from discover.
Complaint sub-issue: Account status incorrect

Jefferson Capital Systems is reporting a debt on my credit file that needs to be removed. There are so many things in this account that are wrong and I'm sick on having it on my credit. I called years ago and they told me it was for internet or something out in XXXX. I have no idea where XXXX is, I have never lived there. This account is surely not mine and I told them that in our conversation but they insist in putting fraudulent accounts on peoples account. Not only that, this account would be past the statute which is irrelevant because it is not mine. This needs to be removed immediatley. Remove false debts on credit can be considered fraud under both federal and state laws and I will not hesitate to bring legal action against Jefferson Capital Systems.
Complaint sub-issue: Account information incorrect

XXXX. XXXX  XXXX Bankruptcy XXXX. CXXXX XXXX XXXX XXXX XXXX XXXXXXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter about inaccurate and false reporting items on my credit report on XX/XX/2021. It has been over 60 days an I haven't received a response to date. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611A clearly states that a failure to completely investigate these items within 30 days constitutes immediate removal. It has been over 45 days, and I am requesting these items be removed from my credit report immediately. I am prepared to file for litigation do to the XXXX  you have caused me over this situation. In addition, my information was impacted by the Equifax data breach and may have gotten into the hands of the wrong people.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX , XXXX XXXX, FL XXXX Re : Account # : CHILD SUPPORT Dear Sir or Madam ; Click For More Info I disputed the referenced accounts above on ( date you sent them original dispute letter ). The credit report of ( date you recd notification it was removed ) and your report # shows these items were deleted from my credit file. Now these items have been reinserted on my credit report.

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accur
ate.

*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. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably
available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 
Thank you, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX , XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX  XXXX {$130.00} XXXX {$300.00} XXXX  XXXX XXXX {$1600.00} XXXX  XXXX {$3300.00} CHAPTERXXXXBANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTERXXXXBANRUPTCY DISMISSEDXXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Received bad information about your loan

This complaint is regarding my recent loan consolidation with Nelnet. This amidst another complaint at the CFPB XXXX as clearly the issues were not resolved. The application ID is ID : XXXX. I am doing this amidst having applied for a Borrower Defense Discharge based on the rationalization that it will both speed and ease this eventual process and also in light of seemingly parked malicious ediscovery efforts linked to my accounts and uses of these loans by other groups at the Department of Ed for other purposes while those involved plan around using them in a situation where they are actively involved in prolonged privacy and human rights violations and actively seeking to compel my financial destitution and relying on these things in their takeover of projects like copyright XXXX. In my application despite having updated my address and email at multiple US Dept of ED departments including the FSA my address on my consolidation application reflected XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. It also contained my former XXXX email address. As stated I updated this at other departments, Social Security had to confirm and not sure why this not synced. However, I made sure to correct and change this to my current contacts. In my application I included two individuals who are working on my issues due to the unusual nature of my personal circumstance XXXX XXXX from XXXX XXXX and XXXX XXXX of the US Department of ED. I think General Counsel from XXXX XXXX  XXXX XXXX would be someone also. However, I included the correct address which is different from my own. However, despite consciously doing this I received an email from Nelnet indicating I had provided an incorrect address or the same address as my references. Neither were correct statements and it is not clear what is going on but I believe a possibility that my application being sabotaged in light to the issues described in efforts to stall and delay.
Complaint sub-issue: Account information incorrect

I paid off a balance a month ago plus two derogatory remarks came off my account and my credit score went down plus the show the balance I paid off as still being there The amount is {$12000.00}. fora XXXX XXXX credit card it show I still owe it. as per equifax, and they have since updated my records 4 time. Also shows my credit age as 3 months 6 years when it is closer to 8 years. Also XXXX shows I havXXXX 2 open accounts equifax says 14. Lets get it together huh, people, this has big impact on peoples lives everyone wants us to have a good score but none accurately keeps one
Complaint sub-issue: Didn't receive services that were advertised

XX/XX/2018, I gave authorization to XXXX  XXXX XXXX to do a credit check based on the offer provided over the phone. Credit check was done and then they send the email for confirmation. In the email the offer were not the same as provided on the phone call. Hence I cancelled the service immediately before it got activated and request the customer to make sure the credit check that was done is removed my authorization were based on the offer provided over the phone. They said they will take care of it but until today XX/XX/2018. I tried to call XXXX & XXXX  XXXX XXXX customer support regarding the same but they have be just kept on transferring my call but none helped me and at the end they me on hold without any response ( the call went 40 + minutes ).
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and there is a XXXX account on my credit that I had called XXXX and closed due to it being fraudulently opened. XXXX agreed to close the account due to the identity theft. I requested for XXXX and Equifax to remove the account from my credit report however, it is still somehow there. I need this fraudulent account removed from my credit report as soon as possible considering the fact that I closed this account due to identity theft. Please remove this account from my credit.
Complaint sub-issue: Account information incorrect

On XX/XX/2021. I had previously lost my job of employment. I opted into my credit protection plan that I pay for monthly with my XXXX XXXX Credit Card Account. I have had many complications with the company in the past. However, I do strive to have a good business relationship with them, and to keep my account in good standing. Some miscommunication occurred recently on both my accounts. I was informed that I was mailed out forms to fill in regards of my loss of employment. I'm not sure what the letter stated as I never did receive the letter in my mailbox at the address, I have on my credit profile. After I did not receive the letter XXXX XXXX Credit Card went on to report delinquency on both my credit card accounts. After I have been enrolled in credit protection on both my accounts for only XXXX to XXXX days. I do not understand why they needed the same information I had just provided to them again in such short period of time. Due to me not receiving the letters sent in reference to my credit profile my XXXX XXXX dropped XXXX plus points and is now in the red on both my credit card accounts. This has also affected my other credit card account with their carelessness. My Macy 's credit card is one of my best credit card accounts that help boost my credit score and keep my credit healthy. This account has been compromised due to XXXX XXXX carelessness on both my credit card accounts. Due to XXXX XXXX negligence my XXXX 's account was compromised after being in good standing for years. My credit limit was dropped due to the information XXXX XXXX Credit Card company reported inaccurately. I am having to work now to try and get my account at XXXX 's back to the way it was at first before the neglect XXXX XXXX has acted on in regard to my credit report accounts.
Complaint sub-issue: Account terms

I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!
Complaint sub-issue: Problem accessing account

Ally Invest refuses to give me my money back from my investment account. I have had funds in an Ally account since XXXX first and have never been able to invest as I wanted as there has always been an unspecified restriction on my account. Customer service reps claim to be unable to see the restriction on their end, so they have no idea what it's about. Since then I've tried to transfer some of my money back into my personal bank account to pay bills, but Ally continually fails to lift the alleged restriction. I'm told by four different reps that four different departments have worked on my problem -- including the IT department which inexplicably closes at the end of the trading day -- all of whom promise to have the issue resolved by end of day, but to no avail. My account was even completely barred from access all weekend this past weekend, so I could not so much as view it. 

Today I asked to close my account, but I'm not allowed to speak to someone in the department in charge of account closures. I'm told I can do it myself online once the original restrictions are lifted from my account ... at the end of the business day. At this point, I want all of my money back and my account closed. 

Finally, it is interesting to note that complaints about Ally Invest have spiked during the virus, according to the XXXX.
Complaint sub-issue: Reinserted previously deleted info

The past 6 months I have and been disputing inaccurate information on credit reports. XXXX XXXX XXXX XXXX XXXX, the original source, filed a judement to courts. They have also reported same related information to credit bureaus. XXXX XXXX XXXX XXXX XXXX are actively reporting XXXX account as XXXX seperate entities.One acct. under XXXX, and Civil Judgement as XXXX. XXXX no longer owns the account. A company called XXXX XXXX. has the acct. I filed dispute with credit bureas to remove judgement and other acct. information, based on the fact that XXXX XXXX XXXX XXXX XXXX no longer has said accts.XXXX deleted both disputed accts. Equifax removed XXXX acct. but kept judgement on report as satisfied. After several attempts, XXXX has refused to update either accts. I am still disputing inaccurate information to XXXX with no success and have recently discoverd that Equifax has put previously removed acct. back on my credit report however did leave the judgement as satisfied. Once again, I am disputing inaccurate information with that reporting agency as well. The ordeal with these credit bureaus have caused undo stress and creating unjust. Also, I would like it to be known that both accts being reported from XXXX is showing XXXX different balances as well. I would like to thank you for your time. I am attaching documents.
Complaint sub-issue: Company closed your account

I have an account with Sterling National Bank & because of the relationship between a Bank officer & a former employee of mine that I terminated on XX/XX/2021, Sterling National Bank tried to preclude me from appointing a Power of Attorney & insisted that I retain the former employee I terminated due to financial irregularities & Sterling National bank freeze my accounts as of XX/XX/2021, until this date XX/XX/2021, But the formerly terminated employee with Sterling National Bank still has access to my account & Sterling national allowed the same person I terminated to Close my accounts & transferred the balance to a new Account, Using only one signature to close my account & my accounts clearly states that two signatures are required, I have 18 sent letters to the Executives of Sterling national bank since XX/XX/2021, & never received a single response from anyone at Sterling National Bank to this date. I still don't have access to my funds in the Bank, Since XX/XX/2021 & this date XX/XX/2021.
Complaint sub-issue: Information belongs to someone else

I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX  XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX  XXXX  XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}
Complaint sub-issue: Reporting company used your report improperly

My credit information held by Equifax has been breached. My identity, and subsequently my credit, is now compromised. From Equifax : " On XX/XX/XXXX, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. ''
Complaint sub-issue: Didn't receive services that were advertised

I was part of the EQUifax data breach. While trying to freeze my credit the phone call kept giving me marketing advertisements and asking me to select 0 or #, and then c=sometimes they throw in a *. All of these ads had nothing to do with anything related to equifax. They keep changing the ad and never stated if I had to keep answering to continue the call to get to a rep.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I tried to take money out the ATM on three separate occasions and each time the money did not dispute. It was over XXXX that did not come out the ATM. I assumed the transactions would fall off, however they didn't and I filed a dispute with Card.com. I called in today and I was told that no error occurred and that I'm going to have to take it as a lost. I'm refusing to do that. I've had fraud and many other things happen on these card.com cards and even though I've sent in plenty of evidence showing the fraud by sending police reports they still deny everything. At this point is sickening but this one I will not allow. This company does not project its card users against fraud or any other type of transaction.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, 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 OF 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 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions