Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

I had a fraud charge on my Discover card XX/XX/2019 and called Discover and had them cancel and transfer my account to a new card and open a fraud investigation. XXXX weeks later no card arrived and I had a update on my Credit that I had closed out my account and it negatively impacted my credit by about 25 points.

6 weeks later on XX/XX/XXXX I am trying to close on a home and I get denied because the day prior I apparently had a new inquiry into my credit and opened a new credit card with Discover hitting my credit for 41 points. Later that day discover called saying I was late by 3 months and delinquent. On the XXXX of XXXX I get another credit update i am delinquent and lost another 41 points on my score.

Because I lost my house I had to extend my lease putting down more rent and now discover says I owe over {$1000.00} in 2 weeks. I have spoken to Discover and they have sent a report to fix my credit but cant promise it will totally fix the situation point for point. Also they wont do anything to help with the balance when it's there fault it's a situation at all. They put me out of a house, they messed up my credit score by over 100 points and when I requested to cancel my card, they informed me it will hurt my credit worse. So I am stuck in a bad situation as a consumer and the company that inconvenienced my life a lot wont do anything in regards to there mistakes.
Complaint sub-issue: Account information incorrect

XXXX XXXX is intentionally misreporting negative information on my credit reports to keep my credit score from recovering. I went through financial difficulty about 4 years ago and I am trying to move on but I can't get my credit to recover because of the continuous misreporting by XXXX bank. I have attempted to resolve this issue with all three credit bureaus to the point where now when I attempt to dispute this account I get an automated message that says they will no longer investigate this account. I am going to list all of the incorrect information that is being reported and I am going to attach images directly from their sites that show what I am talking about. 
The first thing that XXXX is reporting is an available credit amount on a charged off account so that it will impact my overall credit usage which hurts my credit score. XXXX is reporting that I currently have a {$3000.00} credit limit on an account that has been closed for four years. 
XXXX bank is also reporting a new charge-off each month which adds new negative information to my credit report each month instead of allowing the account to age properly and therefore impacting my credit score less as time goes on. 
On the XXXX credit report, XXXX XXXX states that account was closed on XXXX. However, the payment history reports that XX/XX/XXXX is 120 days late and XX/XX/XXXX is 120 days late. It is not until XX/XX/XXXX that the account is reported as charged off. XXXX XXXX is also reporting that there was a {$3000.00} credit limit between XX/XX/XXXX and XX/XX/XXXX even though the account has been closed since XXXX. 
On the Equifax payment history, XXXX XXXX reports XX/XX/XXXX as 90 days late and reports XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 120 days late even though the account was charged off in XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I wrote the XXXX and Equifax about reporting inaccurate information on my credit report that needed to be deleted from my credit report with no result from them then wrote them again on XX/XX/2022 stating that the following accounts were still reporting inaccurate and unverifiable information on my behalf. 
XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX these accounts are damaging to my credit and credit profile. I've been denied housing do to these inaccuracies and need this to be rectified by being deleted it is only fair at this point.
Complaint sub-issue: Trouble with how payments are handled

I have been making my payments via automatic deposit. I have set it up so that I pay more than what is due. I recently noticed that my account said that my next payment is not due for another XXXX months. I had intended the extra money per month to go towards the principle of the loan. I called Great Lakes and asked them to do this. The customer service lady gave me the run around and eventually told me she could not do that. However, Great lakes website says that I CAN in fact do that and that there is no penalty in doing so. They are charging me interest daily and I tried to explain that I did not want to get charged daily interest on a principle that I was trying to pay down.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, And they violated my rights numerous times. I demand the accounts listed below be removed because. 

According to 15 USC : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX
Complaint sub-issue: Non-sufficient funds and associated fees

Around  XX/XX/XXXX , there was a direct debit attempt from  XXXX  on my account but there was not sufficient amount in the account but my bank,  XXXX    XXXX   authorised the payment and was charging interest on it unroll it accumulate to  XXXX  plus. I confronted the bank about it but it was then already with a debt collector, so I made the payment. This is still showing on m y credit score til l now  XX/XX/XXXX  and I can take any loan from the bank because of that.
Complaint sub-issue: Public record information inaccurate

Since XXXX of XXXX I have been trying to get a claim the has been reported by NexisLexis on my XXXX   report corrected, It was a hit and run to MY car in a parking lot. I was not even there when it happened. They have it as a at fault collision. I have sent them copies of the letter from the insurance company that states I am not at fault 3 times and I have been told they changed it in my record, but still to this date it comes back as an at fault accident. This makes me have a much higher premium than if it was not on my record.
Complaint sub-issue: Information belongs to someone else

the following account appears on my credit report, without authorization, it does not belong to me, it is hurting me Identity Theft CBNA Account Number : XXXX This is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

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 XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXXXXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX CO Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX XXXX, 2021 ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX  XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ;
Complaint sub-issue: Didn't receive enough information to verify debt

First I do apologize for bugging CFPB in reference to this problem. I previously submitted a complaint against The Trellis Company in reference to a Student Loan from back in XXXX. I received information through CFPB, per Mr. XXXX XXXX to contact him. I contacted Mr. XXXX in which I asked him for information showing I did not ask for this forgiven loan to be repaid by me. I informed Mr. XXXX the last thing I knew about this loan it was forgiven. I also informed Mr. XXXX if something had changed no one notified me in any way. 
Per MrXXXX XXXX, he would have someone contact me and supply me with the requested information. After waiting over a month I contacted Mr. XXXX and he asked you havent received anything yet? I informed him nothing, to this day Ive yet to be notified from anyone at Trellis Company in any way. I have contacted Mr. XXXX numerous times only to be sent to his voice mail. I have left numerous voice mails messages however, he has yet to return a call or supply me with any documents. I feel this is the same reason a {$2000.00} XXXX XXXX is now over {$6000.00}, due to not being notified or communicate with. 
May I PLEASE have some assistant with this from CFPB? This information is being reported to the Credit Bureau and I'm trying to get it resolved. I can not do anything if the Trellis Company refuses to talk to me. I have been trying to resolve this for quite some time. PLEASE HELP!
Complaint sub-issue: Account status incorrect

Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have been paid and settled. I have disputed these accounts to ask the credit bureaus to update the status correctly and the bureaus have not. I have reached out to the original agency to ask them to send an update to bureaus which did happen but the bureaus have not updated.
Complaint sub-issue: Information is not mine

equifax is reporting XXXX student loan accounts with the State of NJ XXXX that are passed the statute of limitations and should be deleted from my credit report. They are already deleted from XXXX and XXXX but Equifax continues to verify the accounts when in fact the original creditor already agreed it should be deleted. The account numbers are XXXX ; XXXX ; and XXXX.
Complaint sub-issue: Account status incorrect

1. Th e lender  XXXX   XXXX   XXXX   XXXX  receives notice from  XXXX  Police Department that my vehicle is being held in the impou nd. (   XXXX   XXXX  )  2.  The lender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early if  ... ( e ) th e vehicle is seized by any local, state, or federal government or authorit y. '' (   XXXX   XXXX   ) 3. R epossession agen cy (   XXXX   XXXX , state license  XXXX   ) sen t letter to me notifying me of " my right to retrieve my personal effects or other property . '' (   XXXX   XXXX   ) 4.   Lender sent me " Notice Afte r Repossession. '' (   XXXX   XXXX   ) 5. L ender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession . '' (   XXXX   XXXX   ) Pulled cre dit reports from the  XXXX  credit bureau s (   XXXX   XXXX   ) 6. Di sputed the accuracy from my auto lende r (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks from  XXXX   XXXX  to  XXXX   XXXX  deleted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit burea us.   XXXX   XXXX   XXXX ,  XXXX  ) 8. Informed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal la w 15 USC 1681i ( P rocedure in case of disputed accuracy ), and hung up while I was talking.  (   XXXX   XXXX ,  XXXX  )
Complaint sub-issue: Transaction was not authorized

We opened accounts at PNC Bank partly for their safety deposit boxes. We signed up with an agreement of a {$50.00} discount on a box that costed around {$35.00} at the time. They have since upped the price so we must pay {$22.00} for the box now. They are arguing that because they upped the price and didnt change the account benefit they are inline with the agreement. I find this to be shady and unfair business practice. It is an obvious money grab by PNC. I did not agree to pay for the safety deposit box and PNC is unjustly charging customers to increase their bottom line.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Have all info on files being sent
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and Equifax has not removed these fraudulent accounts after I have submitted all the necessary reports to get them removed. My credit scores are suffering as a result of these accounts still being on my credit report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Greetings I have initiated a dispute with EQUIFAX to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove.

Below are the reporting Inquiries that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter.

Regards, XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am continually being called on the telephone by this agenvy over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

12 CFR 1024.35 ( i ) : In the 60-day period after receiving an error notice, a servicer may not furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the error notice.

The consumer provided a Notice of Error/ Qualified Written Request ( QWR ) dtd XX/XX/XXXX and TMS receipted the same Notice of Error on XX/XX/XXXX. The date TMS receipted the Notice of Error/ QWR starts the clock for 60-day period. Yet, TMS submitted derogatory information 30 day late payment to the Credit Bureaus on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

My Discover credit card account was removed from all three credit bureau due to identity theft however within 30 days XXXX  put the item back on my credit report without even notifying me, which is a violation of the FCRA because this item is now back on my credit report, my Fico score has dropped 87 points
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2017 I purchase aTV from XXXX. Eighteen consecutive payments were made through XXXX  XXXX XXXX Bill Pay for a total amount of purchase plus {$100.00} an overpayment. I kept getting chargebacks, late fees and lately no payment notices. I contacted the bank ( XXXX whom in turn contacted CITI bank and they promised issue would be solved. It didn't. XX/XX/XXXXXXXX XXXX sent notice that payments had been made to no avail. I sent a letter to CITI Bank with full disclosure of payments from XX/XX/XXXXXXXX XXXX. It was ignored. XX/XX/XXXX XXXX on my request contacted CITI bank, again, no results. I haven't been able to contact a physical person from CITI Bank to help me. I have all documentation from XX/XX/XXXXXXXX XXXX showing all pertinent data, no answer. I keep receiving notices of nonpayment at which point I need help.
Complaint sub-issue: Reporting company used your report improperly

I am extremely upset about the lack of protection i have been offered by equifax after the whole " hack '' fiasco. Now, not only i have to be constantly monitoring my credit but also pay from my own money for services to ensure my personal information is not being used without my consent.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I was told in the past that these accounts would be deleted from my credit report over a month ago but they still appear and are causing me to stress out.
Complaint sub-issue: Account status

Equifax is showing a XXXX account open for {$46000.00} but they sent a XXXX and wrote this off. Account balance should be XXXX. I have sent copies of the XXXX twice to Equifax. 
This was removed from my husband 's account but not mine.