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

My Credit Union, XXXX XXXX XXXX XXXX XXXX, merged with XXXX XXXX XXXX XXXX XXXX. All of my accounts/credit card/loans transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Credit Card for XXXX XXXX still shows up on my credit report, as well as the converted credit card for XXXX XXXX. Therefore, I have XXXX credit cards showing on my credit report, whereas I only have XXXX ( with XXXX XXXX ). XXXX XXXX sent a letter to the credit agencies to take the XXXX XXXX credit card off of my credit report. I received a letter from XXXX XXXX stating that their records indicate that my accounts are only reporting once, however, I just looked at my credit reports and both accounts are there for the same card ( XXXX on XXXX XXXX and the other on XXXX XXXX ). The issue is that I've paid off my XXXX XXXX Credit Card, but my XXXX XXXX Credit Card is showing a high balance. 

I'm in the market for a home loan and this is a problem. My home is supposed to close at the end of XXXX. 

I've tried to dispute it online, but every time I click on the link, XXXX XXXX XXXX, I get an error message and it won't let me do the dispute. I'm seeing the information, my lender is seeing the information, XXXX XXXX is saying that they are only rporting the XXXX credit card, and XXXX XXXX XXXX XXXX XXXX XXXX is out of business ( as of XX/XX/XXXX when they merged ). 

What do I do? 

Best regards, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, 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: Account status incorrect

For a very Long time I have tried to get equifax to stop reporting the wrong payment history and wrong status on two accounts that have been closed for more than a year now.

Equifax has failed to do the proper due sole hence in realizing the at I have my child and the two accounts in question have been paid and should be removed from my credit report imedialty just a ms the other credit companies have.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a tradeline ( XXXX XXXX XXXX ) ( XXXX ) with Equifax which is reporting on my credit report 4 times for the same tradeline and they reported back that it was verified. I want that tradeline deleted as it is reporting 4x.
Complaint sub-issue: Card opened as result of identity theft or fraud

I

AM VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY HAS OPENED A CREDIT CARD UNDER MY NAME THEY HAVE MAINTAINED THE CREDIT CARD AND THEY HAVE MADE FRAUDULENT CHARGES ON MY CREDIT CARD. I AM NOT RESPONSIBLE FOR T HE CARD OR FOR THE PAYMENT THAT THE THIEF HAS MADE. I HAVE ASKED NUMEROUS TIMES FOR DISCOVER TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, AND I HAVE ASKED THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FORM MY CREDIT REPORT. THIS IS REALLY UNFAIR. I HAVE EVEN SENT THEM MY IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT. WHY ASK FOR DOCUMENTS WHEN YOU ARE NOT GOING TO HONOR THEM. I AM THINKING MABE DISCOVER HAS SOLD M Y INFORMATION AND NOW THEY ARE REFUSING TO RMEOVE THIS ACCOUNT FROM MY CREDIT REPORT.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX, I had an account with Conns for a Laptop. I lost my job and fell behind on my debt. I was turned over to collections. I then got a job, a Great job and am now buying a home. In the beginning of the loan process I settled all my debt including Conns. 
I received a letter from creditor saying the debt is satisfied and will be removed from my credit report. Fast forward ... ..less than 2 weeks before my closing date on my home. Credit report is pulled and Conns is still reporting the debt. I called Conns on Friday XX/XX/18 I spoke with Mngr XXXX who assured me it was Conn fault and the would send via email a letter stating the account is satisfied. I did not get the email. I called Sat the XXXX and was told that yes Conns would send an email BUT it could take 72 hrs to receive the email ... .of course I wasn't happy but Conns does not care!!!! Fast forward to XX/XX/18 ... .Still have not received the email. I called Conns again. On the phone 3 different times. They informed me that they will not send an email. They said the letter had to come from XXXX XXXX ... I told them I have that already and I just need the email they promised me. They said no. Conns is prohibiting me from being able to close on my home with the better interst rate. I told them I just want what for XXXX days they said they would provide. This should have been removed from my credit report MONTHS ago. I JUST NEED AN EMAIL stating it is satisfied that's all ... .It has to come from Conns .
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 has violated my rights.

15 U.S.C 1681 section 604 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: Threatened or suggested your credit would be damaged

On XX/XX/2020 I sent a certified letter to Equifax Credit reporting agency asking them to please validate the XXXX   XXXX XXXX accounts debt in which they state I owe, by providing proof of documentation bearing my signature. On XXXX XXXX I was sent an updated Equifax Credit report stating everything was verified and accurate but still nothing to validate this debt belongs to me. On XX/XX/2020 another letter was sent again advising they had 15 days too provide the description of the procedure used to determine the accuracy and completeness of the information used to complete there investigation and that Any automated response or E-oscar verification is unacceptable, also asking that they provide the name, address, and the telephone number of each person contacted regarding this alleged account. I have yet to be provided with that information and the debts still remains on my credit report.
Complaint sub-issue: Account information incorrect

I am writing about two accounts that I've been disputing since XX/XX/21 last year. Equifax haven't responded and gave me no information about these accounts. First of all the haven't gave me the full name of this account nor the address and number of who is reporting this account. 

I've also read anon a new law any medical bills that are under {$500.00} will be getting deleted and these accounts are under that amount and still no action has been taking. 

XXXX since the trouble I've been having with Equifax about this account that's not suppose to be on my credit reporting and damaging my report which is financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual ages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} : for the causes of my troubles I want {$1000.00} per violation on these accounts : No Account name- XXXX XXXX
Complaint sub-issue: Can't close your account

So Ive been trying to open a bank account, most banks told me that they require a proof of address which was holding me back because I live with my parents. Us Bank told me that I didnt need one to open an account. That was until I opened an account and cashed my payroll check. I was told I would get XXXX $ of the check instantly, and the rest would clear in 5 days, they gave me a temporary card and I thought I was satisfied with my experience at us bank. That was until about 24 hours went by and they put a hold on my account, apparently I need a proof of address, that was never once disclosed to me in person. I was told after they had my money. So far no one at the us bank branch in XXXX has been able to help at all .theyre just holding my money hostage after lying to me. It obvious that this is a scam they run often because they wont send me anything about the hold on my account, they only tell me in person.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX CARD XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Complaint sub-issue: Problem getting your free annual credit report

I just needed 1 credit report from 1 of the companies. 
XX/XX/2022 I tried 6 times getting my free credit report via XXXX as listed on XXXX  : XXXX 

The first 4 times I tried doing it online. 
I tried XXXX 2x. It put my incorrect current address, though I filled out the form correctly. 
And then : " Page not found The page you requested does not exist or can not be found. 
Please return to XXXX and follow the steps on that site to request your free annual credit report. '' I tried XXXX twice via webpage too. 
Each time they gave non-relevant security questions where I checked : none of the above. 
The page said ( and there are no typos I'm writing ; the webpage had the typose ) " we have experienced an issue processing your request. We-re sorry, we are unable to process your request at this time. Please contact our XXXX XXXX XXXX at XXXX for additional help completing you request. The XXXX XXXX XXXX is available between XXXX. '' The second 2 times i tried doing it on the phone XXXX 1st time ( Equifax ), the automated system kept getting my name wrong, and there was no confirmation the computer got it correct, since the software didn't repeat the spelling of my name back to me. 

The 2nd time, a similar thing happened with XXXX. 

I hope i get the reports mailed to my address, but there's no confirmation that the info was inputted correctly by the software.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX My XXXX XXXX Report # XXXX shows fraudulently a false entry on my credit report and is to be delete as it is not mine. 
Account # XXXX XXXX XXXX XXXX. Date of Order & Date of Receipt XX/XX/XXXX. XXXX XXXX Reference # XXXX. Risk XXXX claims Subject XXXX claim reported. THIS IS NOT MINE. DELETE ALL from Lexis Nexis and XXXX CRA 's. Further on page 1, On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cause of Loss Theft/XXXX Amt paid XXXX NOT MINE address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX & XXXX XXXX. NOT MINE. AND..On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theft/W Amount paid XXXX. IS NOT ME!!!!! And # XXXX XXXX XXXXXXXX XXXX XXXX Theft/XXXX XXXX paid . NOT MINE. AND # XXXX XXXX XXXX XXXX XXXXl DELETE its all FRAUD. You have wrong person. FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

Back in XXXX of 2021, I have submitted a request for an investigation on items that are potentially fraud and incorrect. I have supplied with necessary information for them to initiate a formal investigation including my ID and other personal information along with FTC complaint form filed. Since then, very little, if not any, action have been taken by credit agencies involving my investigation request. By law, they have to conduct an investigation within 30 days from the complaint and yet as of this date, nothing has been done.
Complaint sub-issue: Add-on products and services

I had tickets for an event which happened on XX/XX/2017, two days before my XXXX family members became sick and were not able to travel and attend that event. I have submitted a claim for {$970.00} under my Citi Card Benefits and it was assigned the Request # XXXX on XX/XX/2017. I have provided all requested documentation to support my claim, including doctor notes. I have contacted the Citi Benefits about this claim 4 times, and every time they made me resubmit the same documents all over again. Last time the Citi CSR requested a proof of tickets cancellation, which can not be possibly obtained since those tickets were non-refundable and non-returnable, therefore no a way to get any cancellation proof.
Complaint sub-issue: Information belongs to someone else

FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO ME THAT I HAVE NO KNOWLEDGE OF NOR BENEFITED FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  Date opened XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$520.00} ; XXXX - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

Equifax has accounts that are over 9 yrs old on my credit I been disputing them and equifax does not do anything just leaves them on understand investigation and its been 90 days equifax needs to take these off of my credit if the companies dont respond its well pass the time frame to respond and to be on my credit
Complaint sub-issue: Reporting company used your report improperly

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. 

COMPANY DOES NOT HAVE MY CONSENT/AUTHORIZATION TO PUBLISH ANYTHING ABOUT ME. COMPANY IS FURNISHING UNAUTHORIZED REPORT ( S ) TO THE PUBLIC. 

NOT asking to verify or update. Delete per the above sections. 

STOP/DELETE ALL REPORTING OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Opened a CitiBank Interest Checking account under the {$300.00} promotion on their web page. Here is a link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I also gave my bank information to do a opening deposit of {$15000.00}. When I called in to follow up on it, they had no idea where the {$15000.00} went and no clue about the promotion. I told them to look right on your homepage and they will see it but somehow they could not find it, funny. Well after weeks of calls and hours waiting on hold I tried one last time to see if they honored what their advertised and fix things but the manager still no no clue about anything, I do n't understand how that is possible. Seems like a deceptive scheme for consumers to open accounts like XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  XXXX  reported a debt on my current XXXX/equifax report. I sent XXXX  the documentation and spoke to equifax on the phone detailing that the account was not in collections and was pulled out on XX/XX/XXXX. Furthermore, the debt was sent to collections in XXXX of XXXX. 
The credit bureaus must wait 180 days before listing medical debt reported to them on your credit report. The grace period allows time to resolve disputes with medical providers or insurance companies before a bill is considered overdue and affects your credit score.
Complaint sub-issue: Frequent or repeated calls

I have received a phone call from XXXX in regards to a debt owed to Citibank. Theystated they are a medication service. I have advised them i am working with a 3rd party on this matter and all of this information went into a judgement back in XX/XX/2014. I have requested supervisors, and never received a call back. Advised agents that I am already working on this and to stop the calls. I was advised that calls will continue because they dont have the documentation on their side. I have asked not to be contacted, and still receiving calls. This matter is being handled through XXXX XXXX  XXXX in XXXX, AL and my bank statements show payments are being made and are on time.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2018, I submitted a USPS Certified Letter, dated XX/XX/2018, that was addressed to EQUIFAX, because, on or about XX/XX/2018, I discovered that EQUIFAX had re-inserted two tradelines CHILD SUPPORT ENFORCEMENT and XXXX XXXX into my credit file that were originally disputed and deleted on or about XX/XX/2018. 

It should be noted that EQUIFAX choose to ignore and failed to respond to my initial dispute. To be specific, and according to FCRA 611-15 U.S.C. 1681i, EQUIFAX failed to provide me a letter in writing, a statement that the disputed information has been reinserted, not later than 5 business days AFTER the date of the reinsertion.

Proof that EQUIFAX did, in fact, receive my initial dispute : 1-Dispute letter, dated XX/XX/2018, that was addressed to EQUIFAX ( Page 1 and Page 2 ) 2-One US Postal Service-CERTIFIED MAIL RECEIPT XXXX XXXX XXXX XXXX XXXX ( XX/XX/2018 ) 3-One One US Postal Service-CERTIFIED MAIL RETURN RECEIPT XXXX XXXX XXXX XXXX XXXX that was signed by EQUIFAX employee XXXX XXXX and dated XX/XX/2018.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account XXXX and XXXX XXXX Account number XXXX have 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 See below for account reporting information on three credit reporting agencies : XXXX Account info DEPT OF ED/AIDVANTAGE Account number XXXX Account status Open Date opened XX/XX/2013 Account type Education Loan XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number ( XXXX ) XXXX Equifax Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment po box XXXX XXXX, PA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment account po box XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Complaint sub-issue: Debt is not yours

Purchased motorcycle on XX/XX/16. Motorcycle was stolen and damaged XX/XX/16. XXXX XXXX justice court # XXXX. Case is still in litigation. The suspect convicted of grand larceny auto is the person solely responsible for debt owed on this damaged motorcycle. This company is unwilling to listen and understand the situation. I dont believe I am responsible to clean up after some trash who has yet to be reprimanded for his crimes.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$650.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$150.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XX/XX/XXXX, Credit limit {$650.00} ), XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Balance {$180.00} ), XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$990.00} ), XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX, Balance {$790.00} ), XXXX XXXX BANK ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.