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

In 2013 I purchased a phone from XXXX. The information given to me by the salesperson in the corporate owned store was incorrect and fraudulent. Approximately one week later I returned the phone, unused, to the store. I explained to the employee and subsequently explained to the company what happened in writing. Since that time I moved and lost track of these writings, although I am still going through 6 year old papers trying to locate this information. XXXX reported the amount of approximately {$390.00} as a delinquency to all credit reporting companies. I wrote to all 3 companies and explained that this matter was in dispute. Three years later the statute of limitations in my home state of Delaware expired. Nevertheless, the credit reporting companies allowed Enhanced Recovery Company to continue to pursue this matter. I recently wrote to all three companies by certified mail, return receipt requested, and asked them to investigate this matter and remove it from my credit report. XXXX said they could not find any account in my name. XXXX informed me that the matter was being reported by ERC. ERC wrote to me recently stating they could not investigate the matter because they had no facts. When they first acquired this account the credit reporting agencies should have informed them that this matter was in dispute from the beginning. 
ERC requested a slew of information that would take considerable time and expertise which I, as a senior, at this time am not able to collect. These companies have continued to pursue a debt that is not legitimate and that should have disappeared three years ago from my credit report. These companies are out of control and wield undue power to destroy a person 's peace of mind. The three credit reporting companies should have shared the written dispute over this account with ERC and are primarily responsible. They should be required to maintain all correspondence with creditors such as myself and produce it rather than relying on an individual to resurrect it after many years. Is there any mechanism for holding them responsible for the time, energy, and aggravation caused by their failure to honor a consumer 's statement that a debt is illigitimate? Can they be held responsible in a meaningful way to prevent this from happening to others in the future? Can they be held responsible to me for punitive damages?
Complaint sub-issue: Funds not handled or disbursed as instructed

I have an account with Albert, a company in connection with XXXX XXXX. I used them for months without issue and then I started losing deposits. At first it was my direct deposit from my employer and I thought this was a mistake on my payroll provider. Until a week later where I did not a receive a refund deposit from my school either. When trying to reach Albert support was unhelpful. They can only be reached through text and gave me a run around involving what happened to my money, stating that they see know deposits from either. I have deposited money into this account from both multiple times over, this is not a routing number or account number error. Im doubting support even truly has access to accounts, they didnt ask any verifying information about who I was. Im heading in the direction of going to court.
Complaint sub-issue: Investigation took more than 30 days

show tooltip button XXXX XXXX XXXX XXXXDispute XXXX XXXX, XXXX.Dispute XXXXDispute XXXX   XXXXDispute OFFICE OF THE ATTY GENERDispute OFFICE OF THE ATTY GENERDispute XXXX XXXXDispute all ftc violations sent and filed
Complaint sub-issue: Old information reappears or never goes away

I filed a dispute with Equifax to delete all of my incorrect address information and I also asked regarding debt validation on some accounts on my credit report. I received dispute paperwork from Equifax that is dated XX/XX/XXXX under report # XXXX. Per dispute results the following addresses were deleted on XX/XX/XXXX and reinserted and reaged and put back on my credit report when I pulled my report on XX/XX/XXXX. This is a clear violation of the fair credit reporting act with furnishing inaccurate information. I want the following addresses removed immediately as they do not belong on my report after they have been deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX - XXXX XXXX XXXX
Complaint sub-issue: Account terms

Requested an investigation regarding the incompleteness and accuracy of XXXX. Equifax has continuesly reported infomation that is incomplete and inaccurate. The account was opened in XX/XX/XXXX, The credit report shows missing payments from ; XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX This is a clear violation under FCRA sec 623, all information must be complete accurate and verifiable.
Complaint sub-issue: Their investigation did not fix an error on your report

GOOD AFTERNOON XXXX  XXXX XXXX  XXXX! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX {$310.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$490.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$670.00} XXXX  XXXX {$430.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Reporting agency is reporting inaccurate information on my credit report and did not properly answer or correct the inaccurate information nor did I receive an alert of accounts being reinvestigation into this matter.Under 15 USC section 1681 i ( a ) if your company can not provide proof of these being accurate with no missing information these accounts should be deleted immediately! These Accounts are not in compliance to XXXX XXXX standards.Accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with additional products or services purchased with the loan

I moved from California to New York in XXXX of XXXX. I took my XXXX XXXX Model Y financed by US Bank with me and am required to transfer the registration to New York. I have been working with US bank to get the required documents to register the Vehicle in New York since XXXX of XXXX and US Bank has repeatedly delivered the wrong documents, misled me about what is needed and how to get it, and just completely failed to resolve this issue and allow me to register the car for over 6 months at this point. This has put increased liability on me due to failure to adhere to the registration deadlines set by New York, opening me up for fines and tickets and having to carry multiple insurance polices due to this car only being registered in California putting me at risk for increased liability damages due to inconsistent coverage between the policies in the event something happens. This is besides the fact that carrying XXXX separate policies is ( XXXX in a high risk area of California ) is very expensive. On XX/XX/XXXX my California registration will expire and the vehicle will no longer be driveable due to XXXX Banks continued negligence in correcting this issue. At that point my options will be to park the car or pay irrecoverable fees to register the car in a state in which I don't live ( which I'm not sure but that almost sounds like fraud to me since I'd be saying the car will be primarily driven in California which it will not ). I have attached a timeline of interactions with US Bank, written requests for the documents sent to US Bank, and US Bank 's incorrect registration documents that have been sent to me twice rather than providing the correct documentation. 

Unfortunately this is the second time this complaint is being submitted. The first time it was submitted by my husband on behalf of me but rather than actually do something about it US Bank decided to ignore the complaint and close it because " they are not authorized to communicate with my husband ''. In the complaint it is clear my husband is listed as an additional contact and not the primary complainant so they could have just have easily reached out to me to resolve this but chose not to. Additionally I have repeatedly requested my husband be authorized access to this account on my behalf so that he may deal with any issues associated with it simply because I don't want to. This complaint is being submitted again without my husband 's information on it so that they might actually bother to look at it rather than sweeping it under the rug.
Complaint sub-issue: Investigation took more than 30 days

my credit report is incorrected, and its is affecting my daily life tremendously please remove these items, Ftc report was sent in aswell
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letters to the XXXX XXXX last XX/XX/2022 to delete the inaccurate and unverified account on my credit report until now they are not deleting the accounts that i listed on my letters it has been more than 30 days and it's a violation..
Complaint sub-issue: Reporting company used your report improperly

XXXX  Illegally furnished my private consumer information to consumer reporting agencies without my written consent and also sold my consumer information without my consent to a third party debt collector
Complaint sub-issue: Card was charged for something you did not purchase with the card

CITIBANK REFUSES TO GIVE ME ACCESS TO MY OWN ACCOUNTS CREDIT DEBT CHECKING! THEY ALOWED THOUSANDS OF DOLLARS OF FRAUD OUT OF MY ACCOUNTS AND THEY TOOK MONIES OUT OF MY ACCT ON AN AUTO PAY WITHOUT MY AUTHORIZATION! WHEN ARE YOUGOING TO DO SOMETHING? THEY OWE ME THOUSANDS OF DOLLARS FROM FRAUDULENT CHARGES AND CHECKS THEY LET OUT OF MY ACCOUNTS THAT WERE NOT AUTHORIZED! THEY REFUSE TO PAY ME BACK! ITS MULTIPLE ACCOUNTS! DEBT, CREDIT, CHECKING ACCOUNTS, SOME ACCOUNTS ONLY XXXX XXXX AND SOME ACCOUNTS ARE JOINT WITH MY MOTHER XXXX XXXX
Complaint sub-issue: Account status incorrect

I sent a Certified letter to Citi Financial on XX/XX/2019 asking for Validation stating that I was late and foreclosure on this account
Complaint sub-issue: Information belongs to someone else

I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file XXXX FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : LENDING CLUB CORP - XXXX
Complaint sub-issue: Debt is not yours

I have an account reporting on my credit that is not mines. I have never used these services before nor have I giving anyone else permission on my behalf. The information stated in the account is bogus and has no relation to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to dispute the following information in my file. I recently received a copy of my Equifax, XXXX & XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  11/21
Complaint sub-issue: Problem getting your free annual credit report

Equifax has lowered my FICO score by 20 points to XXXX. I want to know why. I'm XXXX years old and have never missed a payment in my life. I have no debt. I've tried asking for my annual free report on line and after filling out and answering all their questions they say their unable to handle my request at this time and to call them. I call them and after answering all their questions they say I have to make my request on line.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i had no idea they also CHARGE OFF my account in XX/XX/2020 and XXXX XXXX which they did NOT inform they were doing. i would not have let that happen. XXXX broke our agreement The XXXX XXXX. which was signed into law XX/XX/XXXX. XXXX this XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX crisis. 

I made an agreement with XXXX XXXX and XXXX for payment relief before i fell behind the XXXX XXXX  Requires that the creditor to report your account as Current and good standings.
Complaint sub-issue: Information is not mine

I am a victim of identity theft and Equifax refuses to assist me in making sure my credit profile is accurate. I have several records as proof. 

I am trying to repair the damage done to my credit due to identity theft. I have been disputing information for several years and this credit bureau has been extremely uncooperative and frustrating for the past XXXX years. I am unable to log onto my account because the security questions asked are inaccurate ( due to ID theft ). When I call Equifax, I am unable to speak with a live person for assistance. I was able to speak with an Equifax agent via chat who was unwilling to assist me ( I added attachment log ). When I send disputes via certified mail along with a copy of my drivers license and current address, I either receive no response or I receive a response which states they are unable to process my request. 
The Fair Credit Reporting Act Section 607 Compliance procedures [ 15 U.S.C. 1681e ] section B states ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I would like a copy of my Equifax credit report. I would like to speak with a LIVE person so I can dispute and freeze/unfreeze my credit. I would also like an account missing from my credit report added to my credit profile. The FCRA states in back and white that I should have all of these abilities. I need my credit report to be accurate in order to live a productive life. I am unable to open a loan to buy a home or vehicle. I am unable to open a credit card or establish credit. This has become mortifying and I if no action is taken I will have to seek out an attorney. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX Equifax says not untilXX/XX/XXXX and Transunion told me XX/XX/XXXX I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.
Complaint sub-issue: Information is not mine

I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following accounts and credit inquiries are unauthorized, fraudulent and the result of identity theft : XXXX Bank, Bank XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX and Equifax have both made errors reporting and reviewing my credit report. The bureau and the credit union have both overlooked two 30 day late payments that are inaccurate for the months of XXXX & XX/XX/XXXX. I have proof that both payments were submitted and transferred from my checking account before the 30 day mark was hit for both months. I also have proof that these errors on the reporting were caused by the employees of XXXX XXXX XXXX XXXX. 

An error was made by failing to update my ACH payment date & account which caused this problem. After I had submitted new paperwork to update the ACH account, they still made attempts to withdrawal from my saving instead of my checking. Finally after XX/XX/XXXX they decided to finally fix the issue. 

They wrongfully tried to withdrawal money from my savings account for the month of XX/XX/XXXX which is included in the attachments. In XXXX I received a phone call that the payment was overdue, and needed to be submitted due to this issue. I submitted payment on the XXXX along with the new ACH form and they only finally withdrew the amount on XX/XX/XXXX. They then attempted to withdraw from my savings again on XX/XX/XXXX and then finally for some reason withdrew my payment on XX/XX/XXXX for the month of XXXX. 

The payments are scheduled to be withdrawn on the XXXX of each month. Even though they decided to wait until after the XXXX holiday to withdrawal my payment for XXXX ( which was submitted on the XXXX ) the payment finally landed on XX/XX/XXXX due to their error. The XX/XX/XXXX payment requires little explanation as that falls nowhere near the 30 day mark since it was withdrawn on the XXXX. 

I have recently filed two different disputes over this same issue. The first dispute was filed XX/XX/XXXX, the second dispute was filed on XX/XX/XXXX. Both times the dispute was found to be inaccurate by bureaus and the credit union and they have not changed the notices on my report. I have sent the bureau and the agencies these pictures as well but have had no luck with the change. I have directly contacted the credit union multiple times via email & phone call.
Complaint sub-issue: Information belongs to someone else

I have noticed several inquires on my credit report that was never authorized nor approved. XXXX XXXX Bank are on all 3 of my credit reports. I do not have any accounts nor ever applied for a credit card. XXXX XXXXXXXX XXXX is on my XXXX report. I have never even applied for any bank or credit card accounts. The only legitimate inquiry is from XXXX XXXX, which is only on my XXXX credit report. 

This is the result of identity theft that I had reported to the police. The police report number is # XXXX. Complaints and fraud reports are being processed with identitytheft.gov and with the Social Security XXXX. A complaint is also being processed with XXXX XXXX Bank and XXXX XXXX Bank.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 60 days and I haven't received any investigation results.
Complaint sub-issue: Debt is not yours

My name is listed on a apartment lease that has been sent to IQ Data. I requested proof of of debt XXXX & XX/XX/2020 and I haven't received anything showing this is my debt. I never signed the lease or anything else. They are calling me every day being very mean they even called XXXX XXXX and told my employee the answered the phone why they are calling and that I owed a debt for XXXX XXXX  with the amount. It has been over 90days since my first request for proof of debt.
Complaint sub-issue: Debt was result of identity theft

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.