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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Account information incorrect

Ive submitted several disputes in the past via mail, phone call, and online if available. The issue I was reporting is the balance of the creditor ( XXXX  ) should be reported into the Bankruptcy. This is the only account that is not showing in the bankruptcy that has a proof of claim of being included In the bankruptcy. Ive called the creditor ( XXXX  ) of the issue and provided me a number of their bankruptcy cases attorney. I explained the issue to them and they referred me back to the credit reporting agencies and the creditor. I have been bounced around several times without resolution. I have the documents the creditor ( XXXX  ) submitted for proof of claim in the bankruptcy. The results keep coming back as verified when : # 1 the account is closed and referred to their bankruptcy attorney # 2 Keep incrementing payments when proof of claim is in Bankruptcy
Complaint sub-issue: Was not notified of investigation status or results

Professional Debt reached out to me and informed me that they submitted in deletion of requests to all the bureaus. I reached out to Equifax and saw that the account is still on my credit report. I have attached the Professional Debt letter that was attached stating the account needs to be removed. Please delete and remove this account! I also requested for the XXXX XXXX inquiry to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I see two accounts that Equifax is reporting on my credit report. I do not have a contract to do business with either of the companies listed below. I have the same name as my son. I don't think the bureau did any sort of verification before listing these items on my report. Therefore, I must request a copy of the signed contact to do business with the parties listed : XXXX XXXX XXXX opened on XX/XX/2018 {$890.00} XXXX XXXX XXXX opened XX/XX/2018 {$1300.00} According to FCRA, its possible for Equifax to have mistakenly mixed credit information of people with similar information, which violates the FCRA if not remedied Creditors should not give information they know ( or should know ) is untrue or inaccurate to Equifax and Equifax should be making sure what they're reporting is true and accurate before listing these accounts on my report. 

Please provide requested info and not just say the items were verified without providing me of PROOF in the form of my signature.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank You.
Complaint sub-issue: Account status

I have been monitoring my credit as I getting ready to purchase a home. As of XXXX XXXX XXXX I noticed that the XXXX XXXX Child Support Enforcement hit my credit for XXXX plus points on my XXXX XXXX and other reporting agencies. I 've tried to dispute on XXXX XXXX, it did nothing. These are dating back in XXXX. I have n't been late on Child Support in 5 years, as I 'm ordered to make double payments. When I contacted the XXXX XXXX Child Support Enforcement office, they informed me that XXXX gave it to XXXX to handle. XXXX hit my credit for god only knows what reason. It needs to be removed immediately and both XXXX and XXXX should be investigated.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent dispute letters to the bureaus to verify the information, they came back verified without proof.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I closed an account with Citibank and removed the money. Citibank kept the account open and started charging monthly service fees to it. I assumed the account was closed until they sent me to collections over those service fees. I called Citibank and they realized their error, rebated the fees and closed the account as intended. However, since then they will not remove the collections report. I have challenged the credit collections report 4 times with all the credit bureaus and Citibank as verified the collections as accurate each time, rather than seeing this was their error. I have challenged it with Citibank with 5 letters. Citibank only responded once with a form for merchant services ( which has nothing to do with my claim ). I tried calling Citibank 4 times and each time they said they do not have a department to deal with this kind of inquiry. If Citibank will not remove this credit collections from their records, the credit companies will never remove it from my credit. This was an error by Citibank, but now they refuse to remove it from my credit report.
Complaint sub-issue: Debt is not mine

I have continuously contacted the debt collector who refuses my dispute of the validation of this debt. The representative could not provide me with validation as requested, other than a copy of a bill. I have continuously advised the collection agency that this debt does not belong to me, and request that the following debt be removed from all XXXX credit bureaus.
Complaint sub-issue: Trouble with how payments are handled

I am supposed to have standing instructions on my account to apply any extra payment that I make each month to Fedloan servicing to my highest interest rate loan. I can provide emails from XXXX/XXXX/15 with my standing instructions on how to apply additional money. Subsequently I increased my monthly payment, and submitted a request to Fedloan inquiring about whether my standing instructions needed to be updated. I was told that changes to direct debit amount would not change my standing instructions. I did some checking into my payment history and discovered that my payments were not being applied as I had instructed.
Complaint sub-issue: Information belongs to someone else

Equifax and   XXXX   show my score over  XXXX  points below  XXXX . Every time I try to dispute items that are severely inaccurate, first they say yes we found your file how can we help you? Then they ask for further verification by asking me to choose  one of five o ptions that identify me, but ev ery one thr u propose is inaccurate so then they shut down any conversation or correspondence with me. They show me as having retail charge cards, I have none. They show me having lived in  XXXX  Georgia NEVER! they show my spouse as my deceased father! They show me having an auto loan with a lender that I do n't have an auto loan with. They show me as having tax liens, medical bills that are n't mine and public records that I am unaware of. I hav e 100 pe rcent perfect payment history. My c card utilization is a t 19 p ercent. I have never been late I have never had a bankruptcy they show  XXXX  hard inquiries that are not mine!! I make  XXXX  a mo as a   XXXX   XXXX   specialized and certified in  XXXX , same job for almost  3 ye Rs. Same residence 3 years and 7 years prior state. No criminal record and yet I 'm being denied an auto refinance every month because of their derogatory credit ratings of me. I 'm begging you please help me get them to correct my file and delete the things that are incorrect.
Complaint sub-issue: Information belongs to someone else

I have recently discovered that there are fraudulent accounts that were opened under my name and personal information. I am not quite sure as to how this happened but the last incident that I can remember goes all the way back to XXXX of XXXX when my wallet was stolen from me when I was at the XXXX XXXX XXXX XXXX My debit and credit cards, Driver 's license and Social Security card were in that wallet. I had to obtain new cards after this incident and have not had any other theft incidents thereafter. Please help me clear this up. There are credit account and collection accounts that apparently showed up on my credit report that do not belong to me.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I Had Seen An Ad while Playing a Game on My XXXX. I Clicked on Ad For XXXX  XXXX XXXXath XXXX I Ordered One XXXX XXXX. Their Sight Was Difficult To Get Through to End Page. I Got To The Total Page I Needed To See How Much I Was Charged with Shipping & Handling. It Came To {$96.00}! So I Didn't Hit Submit Button, I Backtracked to First Page & Tried Again. This Time I Was Charged {$11.00}. I Hit Submit. It Was XXXX XXXX. I Fixed TV Dinner & After I Ate I Checked My Online First Horizon Tennessee Bank Account. XXXX XXXX XXXX Me {$53.00}, {$29.00} Plus The {$11.00}. I Tried to Call XXXX  XXXX Line Was Busy. So I Emailed Them. I Then Went To My XXXX Bank XXXX Filled Out a Fraudulent Charges Transactions. XXXX  Morning XX/XX/XXXX I Hadn't Received a Automated Response From My Bank, So I Called & Found That My Bank Hadn't Received My Form, That I Should Refile. I Did That Monday. A Week Went By And I Still Hadn't Received My Money Back From XXXX  XXXX. I Called Bank They Stated They Had Dumped It ...? That They Waiting On Me? I Never Received A Message From Bank! So I Asked Should I Refile Form Again? Yes. I Refiled 3rd Form. And Checking Everyday For The Remaining Days of XXXX. On XX/XX/XXXX I Hadn't Received Any of My Money Back. 
I Called Bank Again Asked Why My Fraudulent Charges Are Still Not Back into My Account? Bank Associate Stated They Were Still Investigating Fraud. XX/XX/XXXX I Checked My Account Again. XXXX XXXX Had Charged Me Again! {$23.00}? I Filed Yet Another Fraudulent Charge. XX/XX/XXXX I Was Asked To Give My Bank More Information. I was Very Upset I Told Them To Forget About The Whole Situation I Was Tired Of Waiting & Being Made Out To Be A Liar. & I Gave Them What They Wanted. XX/XX/XXXX, I Ordered Fast Food & My XXXX XXXX Card Wouldn't Take? I Called My Bank & Found Out Bank Had BLOCKED My Card? They Didn't Ask or Tell Me. I Asked Male Associate If He Could Over Night Me a New XXXX XXXX Card? He Said No I Could Come To Bank & Pick Up New XXXX XXXX XXXX. I Explained I Do n't Drive & I Was Getting Over An ILLness. That Because of My Health I Was & Still Am Afraid of Catching The XXXX. He Said I Would Get My New XXXX XXXX Card in XXXX to XXXX Business Days. On XX/XX/XXXX I Still Hadn't Received My XXXX XXXX Card, I Called Bank Female Associate Stated Because of Pandemic It Could Take 2 To 3 Weeks To Get My XXXX XXXX Card. But I Could Come To Bank & Pick Up a New XXXX XXXX Card, Your XXXX XXXX  Card Is In The Mail XXXX XXXX. 
It's XX/XX/XXXX And I Hadn't Received My XXXX XXXX Card. Even If I Had Someone To Take Me To My Bank I Would Be Fearful, Because I Have NEVER Been Treated Like This From Any Bank I Have Had Accounts With Over The Past Thirty Years. 
I Have Tried To Email CEO of First Horizon Bank But I Never Received An Answer From XXXX XXXX XXXX.
Complaint sub-issue: Other problem getting your report or credit score

I applied for a credit Line increase on my XXXX Double Cash Card. I have been a card holder for almost a year with a stellar payment history. I have exceptional credit, high score, very low utilization and not XXXX blemish on my report. My income is excellent as well. 

My request was denied via the e communications on XXXX website stating that I have too few valid credit references. This information was provided by Equifax. This is categorically incorrect. 

I contacted both Equifax and XXXX. Equifax indicated that they can see my entire credit file and I have excellent credit file, many credit lines and a perfect payment history. Also, they said that I do have a large credit file and perhaps transferring data to creditors has become an issue. I have to believe this is the issue since my decline was based on having to few credit references. 

When speaking to XXXX, my interaction with their rep was one of a dismissive posture. I explained Equifaxs issue with my credit file and that I have an extensive credit history, and excellent credit and it was outrageous to get a decline based on having only a few references. I asked could if she could pull either of the other Bureaus and she said no and that the Federal Government dictates what credit bureau can be used. Her hands were tied.
Complaint sub-issue: Account information incorrect

In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from THE BUREAUS INC with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by XXXX XXXX XXXX. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact XXXX XXXX XXXX to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. 
I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! 
Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. 
I must note that this is being reported by THE BUREAUS INC? 
I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent a request demanding verification of accounts reported by physical verification according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I have not received physical verification, method of verification, nor the items removed from my credit report as stated by law. I have also sent a 30 day demand to comply letter with no results.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, the following Account has violated my rights : XXXX XXXX XXXX  ( Also Listed As XXXX, XXXX. ), Account # XXXX, Amount {$360.00}, Account opened XX/XX/2013. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I applied for a credit card from XXXX  XXXX  and they checked my credit numerous times I was on hold a few hours with XXXX XXXX XXXX I was not resent my approval also they mailed me over several credit decisions and XXXX XXXX ran my credit while I was on the phone telling them to absolutely not run my credit because my credit was good now its the lowest its ever been they have sent over ten messages, text messages, and mail to me please have them remove all the credit inquiries that were unauthorized and put me on the do not call/ email/ mail any harassment also why was I on hold so long without it ever being answered I no longer want a credit card with XXXX  please keep this private.

Also I submitted a complaint with the XXXX  against direct express Comerica Bank for having been on hold for four hours and after the completion of the call the card was sent to the wrong address they are sending me harassing voicemails, postcards, and rude when I did call for my replacement card. Isnt it protocol for a business to only respond through the XXXX to contact me? I am disputing a flight that was canceled, unauthorized use of my card ( I did include the police report ) and a debit adjustment. I mainly want to know why my dispute was denied before the statue of limitations run out, thank you! XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2020 XXXX XXXXS XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Two months ago, I sent a letter to Equifax, asking them to investigate errors on my credit report. They are required to respond within 30 days. Despite follow-up letters into this matter, I have still yet to receive my investigation results from Equifax.
Complaint sub-issue: Was not notified of investigation status or results

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20
Complaint sub-issue: Debt was result of identity theft

EOS CCA Reported balance {$1100.00} There is a fraud alert on my account going back over 5 years. I have no business with this company. 
Remove immediately. I have a fraud alert on my account for time time. This debt was removed once and sold to another collection agency. I have never had any business with this company. I have never lived at address they provide. I will pursue legal damages if not removed within 15 days.
Complaint sub-issue: Information is not mine

On XXXX XXXX, 2014 a XXXX account was turned over to a collection agency XXXX XXXX. I called this company and they said someone used my Social Security Number to open an account up with XXXX and this person lives in XXXX. XXXX. An address of XXXX XXXX XXXX XXXX XXXX XXXX also shows up on my credit report. This is not my account and my address. This issue is lowering my credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts 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 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Complaint sub-issue: Their investigation did not fix an error on your report

In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the three Credit Bureaus Equifax, XXXX and XXXX have violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has never received my permission and is falsely reporting this Account on my credit report as open with late payments. 

I do not recall opening this account and have any recollection of this credit line or balance reporting. It's labeled as a charge off. It is still reporting as late. Every time a dispute is put in my credit score drops because they add late payments.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX sold me an HVAC for my home. As part of the sale and installation, they made clear they would service my unit for the first year of ownership at no charge. 

The first year went by without a visit as promised by the merchant. When I contacted them to inquire, they demanded a XXXX payment for the service. 

I subsequently made arrangement with an alternate vendor to service the unit. Following the service, I was informed the unit had in fact sustained irreparable damage due to the lack of consistent maintenance. 

I was registered with Greensky to make monthly payments by XXXX. 
I complained to XXXX although nothing has been done to rectify the problem.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent multiple credit disputes with these companies asking the to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020. It has been 64 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing XXXX you've caused me. As a courtesy I have listed the inaccurate accounts in question below : 1. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 3. XXXX  XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 7. XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove these items from my credit report. They are displaying false and misleading information about me!