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

HELLO, THIS HAS PREVIOUSLY REPORTED AN ACCOUNT IN ERROR LISTED AS  XXXX   XXXX   XXXX   XXXX . '' I HAD NO BUISNESS WITH "  XXXX   XXXX   XXXX  OR   XXXX   XXXX   XXXX   '' AND THIS MATTER WAS REMOVED FROM ALL  XXXX  REPORTS, AND NOW PLACED ON MY REPORT AGAIN.     I REQUEST CFPB LOOK INTO THE MATTER AS THIS SHOULD NOT OCCUR AND THIS IS NOT MINE OR IS NOT CORRECT.     THANK YOU.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX Equifax received my disputes of several tradelines showing on my credit report. As of XX/XX/XXXX ( 34 days later ) Equifax has not responded to my letter or deleted the tradelines from my report
Complaint sub-issue: Old information reappears or never goes away

I opened an auto loan onXX/XX/XXXX with XXXX XXXX for a XXXX XXXX XXXX XXXX The car was repossessed in earlyXX/XX/XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with XXXX, Equifax, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my Equifax and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and XXXX, I 've been told that this negative information will show until XX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.
Complaint sub-issue: Debt is not yours

I was insured by XXXX XXXX until XX/XX/XXXX. I paid all premiums, copays, and bills received and was paid in full at the time when I switched insurance carriers. I received a debt collection notice from a third party, XXXX XXXX, dated XX/XX/XXXX, claiming that I owe {$250.00} to XXXX XXXX and that I could settle the debt for {$62.00}. As I did not owe any premiums and had not even used XXXX 's services in months at the time when I concluded my insurance with them, and, as it was not mentioned to me on the phone with XXXX when I closed my account, this appears to be a fraudulent charge. I am wary of providing any further information to this company regarding this alleged debt.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Direct Express bank has never corrected any disputes that I have filed with them. 
I have several cards with other banks and I never, ever deal with disputes that are not resolved in my favor. They treat everyone like they are criminals!! 

I made 2 purchases online for some electronics and never received the items. After being ripped off I did some investigating and found out it is a fraudulent company that is ripping people off. 
The dates of purchases are as follows : XX/XX/2020 {$54.00} {$68.00} The company name is XXXX Bank shows a name of XXXX XXXX as the owner and the person who stole those funds from me. 
I provided all this same info to the bank and I was never credited for those charges to my Mastercard! I filed the claim on XX/XX/2020 and was never credited for these charges. 
I have never been treated so badly then this bank does to customers. I am a XXXX American that receives XXXX payments from Social security. All my other cards and banks that I deal with has never treated customers the way they do. I am closing this account on XX/XX/XXXX, since social security can't update my banking until then. I'm sure you have had numerous complaints about this bank!!! 
I have other complaints, but will do a separate complaint.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX year of 2021 i received notice that a change to my credit score has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the fact that it just increased 98 points back in XXXX. XXXX XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my credit score because of the investigations I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low decreasing my score that much which is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing? I want answers and i want my score returned to a good state immediately!
Complaint sub-issue: Debt was result of identity theft

Hunter Warfield, A debt Collector company had contacted me and stated that I had owed XXXX XXXX XXXX XXXX XXXX {$690.00}, they said I have rented the property and now owed the landlord. I told the rep from Hunter Warfield that I have been live in XXXX XXXX many years, I have never rent a house in XXXX, Ca. They claim its my social number and all the personal information. I have reach out to the police and tried to file a report. This Claim had hurt my credit score very badly too. Please help.
Complaint sub-issue: Deposits and withdrawals

My business account has been a victim of bank fraud, and check fraud. The first fraudulent check is from XX/XX/XXXX in the amount of {$35000.00}. {$17000.00} in XX/XX/XXXX. {$700.00} in XX/XX/XXXX. {$5100.00} in XX/XX/XXXX. {$600.00} in XX/XX/XXXX {$48000.00} in XX/XX/XXXX. This fraudulent checks have been computerized made, issued without my consent, without my signature, without any waterMark check safety measures. My financial institution has allowed this check transactions to keep posting. I had advised my bank PNC to not allow computerized checks to be processed since I do not use computerized checks for my business operations. PNC bank, advised me to change account numbers, but I can not afford to do that since my business has many transactions on a daily basis, and I have my account number associated with several merchants, lenders, suppliers, customers. I have been doing business with PNC/ BBVA for over 7 years, but I no longer feel safe doing business with PNC formerly BBVA . As a solution to revolve this very serious matter, I would like my financial institution PNC to investigate this serious matter. I would also prefer for authorities to step and get to the bottom of this very serious matter since its affecting my business operations drastically.
Complaint sub-issue: Their investigation did not fix an error on your report

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Complaint sub-issue: Information belongs to someone else

After checking credit report I found out fraud activity and accounts which are not belong to me. However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. 
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
I uploaded my personal information like SSN, DL, Proof of the address and Identity Theft where all fraud accounts were listed. Please remove them as soon as you can.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XX/XX/2019 According the 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also, 15 usc 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. No written instructions were given. 
XXXX, XXXX, Equifax and XXXX XXXX have egregiously violated my rights to privacy and as a consumer and Permissible purposes of consumer reports. I demand that these be removed from my credit report immediately
Complaint sub-issue: Old information reappears or never goes away

Enhanced Recovery Collection agency has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this  debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XX/XX/XXXX, this debt was showing on my credit with XXXX XXXX XXXX, which in turn sold this account to ERC or Enhanced Recovery Collection agency. Once I disputed this debt and negative account with XXXX in XX/XX/XXXX, XXXX XXXX immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by XXXX that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called ERC. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.
Complaint sub-issue: Charged too much interest

On XX/XX/2019 I made a {$1000.00} payment on my XXXX XXXX XXXX XXXX XXXX XXXX  ( CitiBank ). On XX/XX/2019, I noticed that Citi had charged my account for interest on a purchase made using the card on XX/XX/2019. 

I started a chat session with the company and they said that it was a 'technical issue ' and that they would reverse the interest charges. 

My concern is that I do not trust that there was any technical issue at all. I believe that CitiCard / XXXX XXXX XXXX XXXX XXXX is willfully and knowingly charging their consumers interest - and playing the odds - that we won't notice. It is highly unlikely that their computers would randomly and mistakenly charge interest as a 'technical issue '. 

The amount was minimal, but it was wrong. I should not have to contact the company, wait for 11 minutes on a chat session for a proposed resolution. I should not have to police this company to be sure that they are not taking advantage of me. 

I am awaiting a credit reversal for the interest and will need to watch all future statements to make sure that I am not taken advantage of again. 

My complaint is being filed in an attempt to avoid others, who may be less diligent with their finances, from being taken advantage of and wrongfully being charged interest where no interest is due.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This is a strange complaint that did n't completely fit into the categories noted. I finalized a difficult divorce on XX/XX/XXXX. As part of the divorce I agreed to pay for a {$25000.00} debt to a credit card company.
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On XX/XX/XXXX I contacted the credit card company several times. I asked about setting up a payment plan to address this debt. I also wanted to get this debt resolved as I have three pending Parent Plus loans for a set of triplets ( going to three different colleges ). The U.S. Department of Education had declined me for the loans until I could set-up a payment plan for this one company. <P/>On XX/XX/XXXX when I talked with three different representatives, they told me that they could not talk to me about a payment plan as I was at " day 159 '' and had to wait until XX/XX/XXXXwhen I was at " day 180 ''. I have no idea what this means except maybe they are going to charge me more money on " day 180 ''? My credit is damaged from this, and they will not assist me at all. I even asked for a letter on company letterhead to send to the U.S. Department of Education/Financial Aid folks - and the credit card company has refused.
<P/>I am now a single parent, and my credit is damaged and my XXXX 's college loans are being held up due to this company. I 've never heard of anything like this happening. And, I 've been a client of the company for over 20 years. <P/>I need some help as my kids college has to be funded by the end of XX/XX/XXXX. As I told the credit card company, I was much happier to be making payments to them to take care of the debt versus having to start making large college tuition payments. <P/>Please help me with this situation.
Complaint sub-issue: Problem with personal statement of dispute

To Whom It May Concern : Both Equifax and XXXX began to report an unpaid debt on my account in the amount of {$130.00} to XXXX XXXX XXXX around XX/XX/2018. This is stunning, since XXXX checked into my dispute regarding this account and removed it immediately. Both Equifax and XXXX, however, refused despite several phone calls and dispute filings. I do not owe that company any money. I have never missed a credit card or loan payment in my entire life, and these credit reporting companies have now reported an unpaid delinquent debt that cost me about XXXX points on their credit report. I asked the credit reporting companies whether there is a judgment against me of any kind with respect to this debt. Neither Equifax nor XXXX  could find any such judgment. Nevertheless, they stated that XXXX XXXX XXXX claimed I owed money, and that was the end of the inquiry. I asked why my statement that I did not owe any money would not be held in the same regard as that company 's statement. But these companies had no valid answer. 

Furthermore, XXXX  continued to add a suffix to my name that does not exist over my objection. Equifax did the same thing. I disputed this with them, but only XXXX  fixed the error. Equifax refused, demanding personal information, which I was unwilling to send them due to their record of records ' breach ( which impacted me ). They stated one company ( out of XXXX accounts ) reported my name as XXXX., and they would take that company 's word over mine and that of XXXX companies. This was stunning, and to this day, the company continues to hold me out as someone I am not. 

I hope you can fix this! 

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

In accordance with the Fair Credit Reporting act 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: Not given enough info to verify debt

on XXXX/XXXX/2015, I filed an dispute with NCEP. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised NCEP to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised NCEP that not complying wit the FDCPA will put their company in a bad position with the CFPB. NCEP never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .NCEP sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Complaint sub-issue: Debt was result of identity theft

A debt collection agency by the name of Grant and Weber is reporting a debt on my XXXX, XXXX, and XXXX Credit reports. The amount of the debt reports to be for {$510.00} The report that the account Original Creditor was XXXX XXXX XXXX XXXX and was opened on XX/XX/2029. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. It is the result of some form of ID Theft. however, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account. 

As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and XXXX credit reports immediately and sent back to the original creditor for further review and investigation.
Complaint sub-issue: Information is not mine

I have checked my credit report and have found XXXX as a credit XXXX. I have in no way ever signed for or agreed to pay this and would like it removed from my credit report.
Complaint sub-issue: Other problem getting your report or credit score

Equifax has repeatedly denied me access to their personal credit monitoring services by refusing to allow me to create a myEquifax account. The attached is a sequence of events in which I was repeatedly transferred, asked to submit additional identity verification, and given incorrect phone and fax numbers.
Complaint sub-issue: Information belongs to someone else

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX XXXX Balance Owed : {$9400.00} 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 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 XXXXXXXX XXXX
Complaint sub-issue: Public record information inaccurate

After applying for an apartment I got an adverse decision response. After reviewing the information I found the report to provide false information, which I suspected was the result of identity theft. The Information has yet to be removed and I continue to get the run around as to the results of my dispute.
Complaint sub-issue: Investigation took more than 30 days

I mailed a dispute letter, and security freeze request, certified mail tracking # XXXX, that shows delivered on XX/XX/2022. I can not recall receiving dispute results or a confirmation letter saying my dispute letter was received and they are working on my dispute ; the security freeze has been placed.
Complaint sub-issue: Information belongs to someone else

Basically I reached out to the credit bureau explaining that they are reporting inaccurate information, and they then in turn reached out to XXXX 's explaining the same. XXXX 's then wrote me stating that I owe for the bill and that if I am experiencing any hardships to let them know. I then wrote a validation request letter to XXXX 's asking for any information that would make them think I am responsible for an account that I did not open. I asked for any documentation with signatures etc. They have now sent me a bill again stating I owe {$330.00}. They still are not answering the request for them to validate this debt. I have been a prior victim of fraud as well and have made this known as well. I also have
Complaint sub-issue: Account status incorrect

I was recently denied credit and was told it was due to XXXX reporting recent lates. My student loans are deferred as a current student and should never have been reported late. Even when the deferral was verified/submitted, they did not correct my credit report. This company is absolutely terrible and now I'm paying for them.
Complaint sub-issue: Threatened or suggested your credit would be damaged

During a phone call with Florida XXXX XXXX XXXX XXXX, the caller threatened to close my account if I did not pay immediately and sent the credit bureaus my negative comments showing multiple late payments on my account. I explained I had lost my job but payments were being made, the lady said I would lose my account and she was going to close my credit card if I did not pay the full due amount by the " end of the day! "
Complaint sub-issue: Information is not mine

I was initially suppose to get my annual free credit report but when it asked the security questions it stated that in my file i have opened some retail bank cards which i have not opened up please help me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account : Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number 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: Investigation took more than 30 days

I have contacted XXXX, XXXX and Equifax about false, inaccurate reporting in formation on my credit report. I have sent in multiple certified letters to get this Information removed from my credit report. They have said the information was verified but in accordance with a CFPB complaint I did directly with the reporting company this account is in a cease and desist and should be deleted from my credit report immediately. 


CFPB Complaint Number : XXXX Company 's Response XXXX XXXX XXXX reviewed and investigated the complaint. XXXX XXXX XXXX is a third-party debt collection agency acting on behalf of the original creditor. We did not purchase this debt. According to the original creditor, this is a valid debt. XXXX XXXX XXXX updated XXXX XXXX dispute and notified the credit bureaus as required by law. We requested verification of the debt from the original creditor and will mail a copy to XXXX XXXX upon reception. We updated XXXX XXXX account to cease and desist further communication regarding the matter, pursuant to her request. Aside from mailing her verification of the debt as she requested, XXXX XXXX will not receive further communication from XXXX XXXX XXXX regarding the matter. XXXX XXXX XXXX wants to help bring resolution to this matter. If XXXX XXXX has any questions or concerns, she can contact me directly. My name is XXXX XXXX, I can be reached toll free at XXXX extension XXXX or emailed at XXXX. Thank you for your assistance and resolution regarding the matter.