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

I disputed an account with the credit bureaus over the account showing on my Credit report! XXXX XXXX XXXX XXXX. The company responded by saying they did not own the account anymore they sold it to another company and wrote it as a charge off. This company also supposedly corrected information on my credit report. Well this account was showing closed XX/XX/XXXX well recently they have added a change that caused my big impact on my score through XXXX, Equifax, and XXXX. They changed the closed date to XX/XX/XXXX. This company is steady having a very negative impact on my credit and the three Credit bureaus continue to change the information impacting my score. XXXX, Equifax, and XXXX should have to remove the account completely due to the fact that they are steady reporting inaccurate information. The closed date is wrong!!! As per the FCRA a company simply can not re age old credit and this company plus the credit bureaus have done just that.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In the XXXX statement I had XXXX ( ish ) dollars of charges I did not make. I have refused to pay and have contested them. I stopped autopay and they still tried the next month to debit by account! UNAUTHORIZED!! I will pay my what I charged but not the ones I did not. They have threatened me through email. Citibank is the card.
Complaint sub-issue: Reporting company used your report improperly

The Credit Bureaus stated XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, was properly investigation but how is that possible if the open dates is inaccurate, the last date active is inaccurate, the last reported is not accurate, Account numbers is inaccurate, last payments is inaccurate, time length inaccurate and the dispute status and credit remarks don't match. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a Account without my written instructions. 

I haven't given these Accounts written permission to furnish these accounts on my credit report.
Complaint sub-issue: Account status incorrect

Ally is saying that my XXXX payment was 30 days past due in XX/XX/XXXX. My payment was not past due. I made what they call an " extension '' to change my due date. The rep told me to pay {$990.00} on XX/XX/XXXX and that my account would be considered current and my next payment would be due on my requested due date, XX/XX/XXXX. Apparently due to some 'error correction '' on their part, my payment was not posted to their system until XX/XX/XXXX. I made the payment on the XXXX and it posted to my bank on the XXXX. They know this and it shows this on my payment history on their online portal, but they refuse to fix it saying that I have been late in the past. I am not asking them to change any payments that were actually 30 days late last year. I am asking them to correctly report that XX/XX/XXXX payment was not 30 days late, because it was not.
Complaint sub-issue: Trouble with how payments are being handled

MOHELA is suing the government thus holding up XXXX XXXX XXXX. MOHELA is claiming they will be hurt by this meanwhile they are hurting me. MOHELA knowingly purchase the debt of millions of Americans. And failed to properly staff and as result all my payments from XX/XX/2022 is not reflecting on my account, they hindering me from mortgage shopping in a competitive market. My employer XXXX XXXX has been making payments on my behalf, thus MOHELA is misusing federal funds. The money has been paid and I have paid taxes on it, yet my account is not up to date. Additionally my PSLF account is also incorrect. I have added multiple times, send emails, and spoke to a customer service rep. The lawsuit and the inaccurate information is impacting my life as wall as my future as I can not shop for mortgages due to my credit score being inaccurate.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a USBank checking account because I received a personal invitation through email that they are offering {$200.00} bonus if I open by XX/XX/18 and do what is stated in the email ( such as Direct Deposit etc. ). It has a unique offer code, and non-transferrable, which means it is specifically for the email recipient ( me ). Please see attachment. I did so, but till today, I still have not received the bonus. I contacted, and the agent said I was not qualified because I had a checking account before. Then my question is why they sent me the email in the first place knowing I already had a checking account ( which was already closed months before I received the invitation ).
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXXXX/XX/XXXX XXXX, New Jersey XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following personal information is incorrect Address ( es ) : 2 XXXX XX/XX/XXXXXXXX, NJ XXXX The following personal information is incorrect Address ( es ) : XXXX XXXXXX/XX/XXXXXXXX, NJ XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XX/XX/XXXXXXXX, NJ XXXX XX/XX/XXXX The following personal information is incorrect Employers : XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

I have enclosed a copy of my driver 's license and utility bill as proof of identity. 
Sincerely yours, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Hi, I noticed a drop of my credit score by XX/XX/11 due to a report from ( loan care service ) that I'm late 30 days on my mortgage payment, I tried contacting them during early XXXX XXXX XXXX payment ) but due to the high call volume I could not get through, decided to send a request on there web site which I did ( twice ) during XXXX, I did not get any response and still no one contacted me, finally i got through by calling and did all arrangement for mortgage deferment, but they could not help to correct my credit score. 
so I'm writing asking your help in such tough time, I'm not working as many in the middle of that pandemic and I did contact them using there web site as it was the only option, I need my score to be corrected so i could get through that time applying for SBA OR LINE of credit to get my business and employee back. 
really appreciate your help, XXXX XXXX XXXX ra
Complaint sub-issue: Public record information inaccurate

I have repeatedly disputed XXXX dismissed bankruptcies, that do not belong to me on my Equifax credit report. I asked Equifax how and who they were verifying this information with because the XXXX Bankruptcy court does not verify anything with credit bureaus. Equifax said that they are verifying this information with XXXX XXXX, which is a third party vendor, not the creditor. The FCRA requires credit reporting agencies such as Equifax to verify account information directly with the creditor, not a third party vendor. I contacted XXXX XXXX about these bankruptcies and they wrote me a letter back stating that they had no bankruptcy information under my name and social security number. So i would like to know how is Equifax verifying information about me but XXXX XXXX says they have no information for any bankruptcies in my name? Equifax is reporting inaccurate information on my credit report and that is illegal and violating my rights under the FCRA.
Complaint sub-issue: Reporting company used your report improperly

Equifax pay out it is the consumers that were affected, I chose XXXX pay out now we are being told there won't be a pay out. Because they were not fined enough. I have credit montering why should I not be paid the XXXX it was their fault. Why should they profit when they handle my personal info
Complaint sub-issue: Personal information incorrect

I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his information.
Complaint sub-issue: Account status incorrect

XXXX Initial correspondence sent to Credit reporting agency Equifax , XXXX , XXXX XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX XXXX XXXX XXXX, the company that is financing the loan for my used car, makes an excessive amount of collection calls to my home and mobile phones. XXXX typically calls my phones six to eight times a day. The calls come from different numbers that display different company names on my caller ID. When I call the numbers the IVR system identifies the call source as XXXX XXXX XXXX. Some of the calls I have received were robocalls. I have received XXXX calls from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) and XXXX. XXXX has occasionally contacted me on Sundays, as was the case when an agent contacted me from a XXXX XXXX XXXX phone number on XX/XX/XXXX. I submitted a complaint regarding the excessive phone calls to XXXX 's website ( XXXX ). In the complaint I advised XXXX that I would mail a correspondence instructing them to cease collection calls within two weeks of receiving the correspondence. I wrote the correspondence on XX/XX/XXXX and placed it in a mailbox the following day. As of this writing ( XX/XX/XXXX ) XXXX continues calling my home and mobile phones.
Complaint sub-issue: Report shared with employer w/o consent

On XXXX XXXX I contacted XXXX over their chat system about getting internet for my new house that I was closing on XXXX XXXX. Since this was prior to closing, I knew that I was not allowed to have anyone pull my credit report until after I closed on the house. While I was communicating with XXXX they asked me if they could pull my Credit Report. I clearly said " No '' in the chat and that I would just wait until after XXXX XXXX to order the service since I could not have my credit pulled until then. They said that they could authorize me a different way and I said OK, but unfortunately I got disconnected and did not contact them back just so I could wait until after I closed on the house. 

Today ( XXXX XXXX ) I went into my XXXX account and saw that on XXXX XXXX XXXX did pull my Credit Report after I clearly denied authorization for them to pull it. Luckily my closing went fine and this did not become an issue, but it could have become a disaster at closing! I would have been fine with them pulling it after XXXX XXXX, but I am very upset that they still pulled it without my authorization. 

I have attached a copy of my Equifax Credit Report clearly showing the inquiry on XXXX XXXX. I work for a finance company and I know that if we pull someone 's credit report without any authorization we can lose the right to pull any more credit reports at all.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with XXXX, XXXX and XXXX nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.
Complaint sub-issue: Information belongs to someone else

I have been trying to establish my identity with Equifax. My identity have been stolen and is being abused. Also I filed bankruptcy in XX/XX/XXXX. XXXX District of Tennessee. XXXX XXXX XXXX XXXXe was included in the bankruptcy. The case number is XXXX. XXXX XXXX XXXX loan number is XXXX. Equifax sent me a copy of my credit report. Yet XXXX XXXX XXXX is no longer listed on my credit report. The property at XXXX XXXX XXXX XXXX TN XXXX, was foreclosed on in XX/XX/XXXX, you states a bankruptcy remain on your report for 10 years. All of my history is being deleted by someone. The property was sold to Tennessee Housing Development Agency in Tennessee. XXXX XXXX XXXX XXXX have been working with me and sending me all transactions. XXXX XXXX XXXX XXXX confirmed they began servicing my loan in XXXX. XXXX XXXX /loan number XXXX was established on XX/XX/XXXX. XXXX XXXX is no longer on my credit report. Yet XXXX-mortgage interest statements have been reported to IRS using my personal information. My social security number and I was told to notify Equifax. You may want to confirm this information with the Trustee XXXX XXXX with the bankruptcy court. Honorable XXXX XXXX is the Judge over the case. I have mailed you a copy of my drivers license, voters registration card and social security card with my name change. And the identity theft affidavit sent to XXXX XXXX XXXX XXXX for investigation.
Complaint sub-issue: Was not notified of investigation status or results

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX {$81.00} / XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} / XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I believe the company, First Progress, has committed several individual actions that violates my rights as a Federally Protected Consumer. First, the account is reporting without my consent Pursuant to 15 USC 1681b. ( a ) Permissible Purpose. I have never given written or oral consent to furnish accounts or use my credit report for any reason. This by lawful definition is Identity theft. Second, Pursuant to Regulation Z & 15 USC 1666b. Timing of Payments, First Progress is inaccurately reporting late payments to my consumer report that can not lawfully be deemed as a late payment for any reason. Furthermore, Pursuant to 15 USC 1666d. Treatment of credit balances i am owed a refund from this consumer credit transaction. 12 CFR 1026.13 further explains the billing error violation committed by First Progress. Additionally, 15 USC 1692f ( 1 ) Unfair Practices states the collection of any amount ( including interests, fee, charge, or expense incidental to principle obligation ) unlessed authorized by agreement OR permitted by law is a violation. 

XXXX has deemed this account as verified, however who verified this account?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XXXX XXXX, XX/XX/2020 AND XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction. 

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States. 

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT. 

I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Complaint sub-issue: Personal information incorrect

I am in the process of purchasing a home and I noticed multiple occurrences of incorrect information on my credit report. My report shows incorrect name variations and other identifying information.
Complaint sub-issue: Information is not mine

An account previously disputed was removed and is now under a new agency and back on my credit report. The account was with XXXX and now with XXXX.
Complaint sub-issue: Company closed your account

I have been a quality Discover Card customer for over a year. I have a XXXX balance and a {$9000.00} line of credit. I was asked for my tax returns and or XXXX months of my checking account statements ( rather intrusive if they are questioning that I am who I say I am ). 

I provided all that was requested to include XXXX months of bank statements which was also notarized. I was subsequently told the notary did not put their address on the form and they were not accepting it. XXXX XXXX XXXX XXXX and there is NO requirement for a Notary to put there address on any form -- their notary number is sufficient to verify that this is a legitimate Notary. 

Discover then ran a hard pull of my credit ( making me lose points ) and then denied it. Closing my account at the request of the creditor will make me lose more points. 

A quick review of Consumer Affairs websites will show CFPB this is happening hundreds of times a day. 

I am most willing to assist in any suit the federl government seeks to bring on behave of this class of consumers. 

XXXX XXXX XXXX. XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I made 2 purchases from XXXX online using my direct express card. One on XX/XX/XXXX, where I cancelled the order before the items were set for curbside pick-up. XXXX order # XXXX. The total amount was for {$140.00} I was told by XXXX when I cancelled that the authorization hold that is put on my debit card when making a purchase online would drop off and my money would be credited back to my debit card. It hasn't been. 

On the 2nd XXXX.com transaction I placed and order on XX/XX/XXXX to be shipped to me. When I received my order one of the items was damaged and I returned it and was supposed to be refunded. The original amount charged my debit card was {$210.00} or which I was to be refunded {$97.00} for my return. I have not been refunded at all. My debit card shows the an error message XXXX XXXX. When I look that code up it says something about fraud. When I called XXXX they said my debit card bank, direct express, is the one not refunding my money and says that there is some kind of error. I get the same story as the first transaction. No one at XXXX seems to know what's going on.. they said my debit card bank, direct express, is the one not refunding my money and says that there is some kind of error. When I call direct express I can't get a human being in the phone. 

This makes no sense to me. My transactions with XXXX are pretty simple straight forward transactions. I have no idea why direct express isn't crediting my debit card. I live on XXXX and I need my money credited back to my account. I tried to get a live human being in the phone with direct express and was holding for over 2 hours. I have multiple physical XXXX and it is insane that I should be holding for a direct express customer service rep. Please help me
Complaint sub-issue: Problem accessing account

I had opened an account, but as soon as I opened acct it looked like the number was changed. I notified customer service and switched my acct to be safe. Since I have had some issues lately, I have replaced phone and had to even get new number, which makes it hard at times logging in when codes are sent. I had asked once before about gaining access to account I can't get it and it was said I should just open another. I didn't want a bunch of accts, but it seems that everytime I need to replace phone and I try to transfer apps, it makes me open new acct. I have three cards now but only access to 1. With info. I was going to have funds deposit into acct from rental assistance and tax rtn but as soon as I put it thru to process it seems I no longer can access. I also had concern about the bitcoin and what it felt like it presented. With an oddly high price per share, I didn't see anything that showed me if it was my bal or just there with options to send or buy with a note that states u can't get back? 
Since I had been expecting a deposit that could be kinda large from reimbursement for covid expense, I asked and I was told it was just the value? 54k, for 1 unit? So I felt the presentation represented funds that looked like mine but in essence was told that it was just representing the balance. I had looked at another app page to see if that showed the same balance. It didn't seem to. I was concerned that incoming deposits were being placed there instead of acct. And with my card being open one day n closed the next, I have no access to see if the bal is zero or what. 
So I have XXXX cards last XXXX digits of the cards are XXXX, XXXX, XXXX. 
I had also asked the SEC. Considering the balance seems incorrect for what it is and I have had invested accts n it seems to me whatever the source is that makes that amount, has probably misposted amount.