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

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX {$330.00} Late Close : XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} Chargeoff : XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX  ) XXXX XXXXXXXX Balance : $ 0Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX  ) Bankruptcy : XXXX XXXX XXXX Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Collection : XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX )
Complaint sub-issue: Account terms

EQUIFAX refuses to correct missing information from my file. I have XXXX accounts with XXXX XXXX XXXX yet they only report XXXX. In addition, they have reinserted an incorrect version of my name and an incorrect address as well as deleted numerous accounts with an excellent history. I believe this was done to " punish '' me for my repeated requests for correction of information as well as my previous complaints against them with the CFPB.
Complaint sub-issue: Other problem getting your report or credit score

I can't seem to access my credit report even though I have tried several times. ( see attachments ). As a victim of the data breach a while back, I should be able to look at my credit report without having to go through so much hassle. Why doesn't equifax save my password? Why do I have to always enter another password? Why not use the same one? Why does it say credit report " Unavailable '' I can't seem to speak with anyone there as the hold time is ridiculous to say the least.
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX XXXX. 
My address is XXXX XXXX XXXX. XXXX XXXX. XXXX. CA. XXXX READ BELOW This FED LOAN account # XXXX is the same as AES XXXX already paid in full. 
This is the same student loan that I have had with AES. 
See attached AES letter copy of paid in full XXXX Please remove the FED LOAN account because I do not owe anything Report to the credit bureaus that the account is close paid in full. 
Reply to this letter to : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. CA. XXXX Thanks XXXX, XXXX  XXXX/XXXX/2022
Complaint sub-issue: Problem making or receiving payments

XXXX, XXXX I called Reliacard services to route my child support payment to another account over the phone and I was asked for my password... and I should not have a password. I have only activated a code for use of debit services. 
I went online to XXXX and found that a XXXX address XXXX XXXX XXXX was the email address attached to my child support card by its account number. 
I asked them to freeze the online account over the phone and the rep indicated that she could not help me without me giving her the password. 
I reported the fake email account to XXXX and requested they get ahold of us bank XXXX. 
I emailed XXXX about the situation and my inability to get anything done in time for anticipated ( and imparitive ) payment tomorrow morning... now I am here. 
I have had many issues but a few to make note of is that I have a XXXX XXXX account that I did not activate and my XXXX XXXX credit security indicator is under someone elses control because I did not activate that account either. 
Additionally, my XXXX XXXX XXXX was left at XXXX in XXXX XXXX, Iowa and they confirmed it months ago, saying they would put it in their safe and then it was not found when I tried to recover it. Lost about XX/XX/XXXX and I have no idea who could have gotten it, but its gone. This particular type of ID is used to assure online identification and it is in someone elses possession. 
There is something definitely wrong if all a person has to do is have the ability to apply hacking applications from online stores and they gain access to all your personal information. COVID forced everyone to pay things online and it has been financial quicksand for me. 
AND child support recovery unit or their payment portal will not insure or investigate lost transactions or funds.
Complaint sub-issue: Information belongs to someone else

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Complaint sub-issue: Account status incorrect

Lending Club erroneously reported my XX/XX/XXXX payment as late to the credit bureaus a total of four times. My monthly obligation is {$600.00}. In XX/XX/XXXX, I paid after the due date but within the grace period. Lending Club erroneously charged me a {$23.00} late fee even though I paid within the grace period. I spoke with a Lending Club representative and was told the fee would be waived. Following that, they reported the XX/XX/XXXX payment as late for the {$23.00} late fee. They corrected their error in XX/XX/XXXX but since then have reported the XX/XX/XXXX payment as late again three more times : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Lending Club also corrected the XX/XX/XXXX and XX/XX/XXXX errors ; I now have a dispute in with XXXX for the XX/XX/XXXX reporting which I submitted yesterday. The trend is that Lending Club reports this erroneous information to the credit bureaus every 2.5 months. I am attaching emails from Lending Club confirming that they have corrected each of the past three errors. I want Lending Club to stop repeatedly incorrectly reporting my XX/XX/XXXX payment as late which, of course, negatively impacts my credit score each time they do it.
Complaint sub-issue: Account information incorrect

In approximately XX/XX/XXXX, I received information from Equifax that an old account from XXXX XXXX with a open date of XX/XX/XXXX was scheduled for deletion from my credit file in XX/XX/XXXX. So far, this item remains on both of my Equifax and XXXX credit reports. 
I attempted to file a dispute through XXXX XXXX with Equifax regarding this item. I began at approximately XXXX XXXX on XX/XX/XXXX. I filled out my information, and received a message that the system would be unavailable in XXXX minutes for " nightly maintenance ''. 
I also saw an " OK '' button that when clicked, did nothing.
Complaint sub-issue: Account status incorrect

In early XXXX I moved out of XXXX XXXX XXXX and paid my move out fees with a cashiers check. Due to bad record keeping they did not update the account. 

In XX/XX/XXXX I received a notice, from Pro-collect stating that I did not pay the debt. 

I contested this debt with XXXX, XXXX and XXXX who all determined it was invalid. 

XX/XX/XXXX. I apply for an apartment and I am denied because this is on my " XXXX XXXX XXXX Report. '' I challenged it with XXXX XXXX XXXX who said they will not remove it because Pro-Collect claims they did not receive payment. I asked their customer service agent about the proof i submitted and they stated that they only forward it to the reporting agency. Even with proof XXXX XXXX XXXX does not remove incorrect or false information.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made 5 charges on TWO separate CITI credit cards. They were for a cruise on XXXX XXXX beginning XX/XX/XXXX. 

XXXX. XX/XX/XXXX {$5300.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$10000.00} ( card ending XXXX XXXX. XX/XX/XXXX {$2900.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$1000.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$2600.00} ( card ending XXXX ) On XX/XX/XXXX I cancelled the cruise and disputed the charges. Shortly after XXXX XXXX went out of business. 

# XXXX was found in XXXXXXXX XXXX XXXX  on XX/XX/XXXX and I requested it be reviewed again. It is still pending. 
# XXXX was found in my favor on XX/XX/XXXX. The {$10000.00} is permanently off my account. 
# XXXX, # XXXX and # XXXX were all found in XXXX 's favor on XX/XX/XXXX and I must pay. I have requested they be reopened and they still show closed in XXXX 's favor. 

And by the way there were additional charges in XXXX cards and all were resolved quickly in my favor. 

XXXX XXXX has gone out of business and could not possibly deliver on what I purchased. 

CITI cards need to resolve this quickly. Please help!
Complaint sub-issue: Account status incorrect

This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I am tired of doing all the leg work. I emailed the company and asked for a call from Senior Management members and asked for them by name and no response or call. Once again on my credit is ruined my credit and my reputation. I want to come to some sort of amicable resolution, but this has been the hardest task I have had to deal with in my life. I need for my communication to reciprocated versus just hitting my credi. From my perspective Americcollect version of good luck and we do not care.
Complaint sub-issue: Information belongs to someone else

Please see attachments. Per FCRA regulations, please delete the fraudulent XXXX XXXX XXXX account from my credit report. My identity has been compromised and is being used to adversely affect my credit profile. EQUIFAX has been negligent in their efforts to address this matter. PLEASE COMPLY WITH FCRA REGULATIONS AND DELETE THIS ACCOUNT IMMEDIATELY!
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX my FICO score went down from XXXX  to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX  the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. OnXX/XX/XXXX I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, on XX/XX/XXXXXXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOANS OR LEASES XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.
Complaint sub-issue: Old information reappears or never goes away

The debt is with flagship acceptance I had a auto loan with them few years ago which ended on XX/XX/2015 the debt was sold to XXXX XXXX XXXX, XXXX XXXX then sold the loan back to flagship this needs to be deleted from my credit report XXXX XXXX has been deleted but flagship is still showing i filed a complaint with XXXX they wrote me stating i need to contact them for the removal of this on my credit report its showing as negative when it should say deleted like it says for XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX acct:XXXX  XXXX XXXX acct:XXXX  XXXX XXXX acctXXXX XXXX XXXX  acct : XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX Acct : XXXX XXXX  acct : XXXX XXXX acct:XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct : XXXX XXXX XXXX acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX Acct : XXXX US Dept XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX acct : XXXX US Dept XXXX US Dept acct:92 US Dept acct : XXXX  In accordance with the Fair Credit Reporting act 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: Information belongs to someone else

I disputed 2 Fraud Accounts on my Equifax Credit Report on XX/XX/2020. Equifax removed the accounts from my credit, but they RE-APPEARED on XX/XX/2020. XXXX  & XXXX  have removed the accounts from my credit report, and have not reported the accounts back. I continue to have problems ONLY with Equifax, they will not remove the Fraud accounts. I have provided an FTC identity theft report as well. Today, on XX/XX/2020. I spoke with Equifax, and explained them the situation. The representative with Equifax stated this could be an overall system error, and asked me to re-dispute the fraud accounts on my credit report. I have attached a new FTC identity theft report, and a formal dispute to Equifax. I faxed this dispute on XX/XX/2020 to the Equifax dispute fax number. 

I am in process of a mortgage at the moment, and this has caused damages for me, not being able to obtain credit due Equifax 's negligence in the dispute process. 

I am now submitting this dispute for the 3rd time, and hope to get this matter resolved soon. I have attached my new FTC identity theft report, and a dispute letter containing the fraud items. 

The complaint & dispute is being monitored by an FCRA attorney.
Complaint sub-issue: Deposits and withdrawals

Referencing CFPB complaint : XXXX In PNC 's response, XXXX XXXX XXXX and states that the branch that refused service was not able to verify my information. XXXX XXXX and others at that branch ( XXXX FM XXXX, XXXX, TX XXXX ) were all able to verify my information to the same extent as the Main Street branch ( XXXX XXXX XXXX, XXXX, TX XXXX ).
Complaint sub-issue: Debt is not yours

I have asked for proof of this debt because I know the social security number belonging to the loan doesn't belong to me. 

Therefore I am not responsible for this debt and would it removed from my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

On several attempts I have notified Equifax in writing and via disputes CA FED Bk CT, XXXX is incomplete and inaccurate, but Eqauifax refuses to follow the law set forth by FTC and FCRA by violating my consumer rights under 15 U.S.C 1681i ( 5 ). I have send proof of documentation from Pacer ( Public Records, XXXX XXXX XXXX Courst, and the source cited by Equifax which is XXXX XXXX XXXX. It is clear that no investigation has been reasonable done if at all because there are several incomplete and inaccurate information being reported on my credit report.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquries on my report that i did not authorize or gave my consent to I'm not aware of these inquiries. and they must be deleted immediately from my consumer report no later than 4 days after receiving my ftc report pursuant to 15 USC1681c-2
Complaint sub-issue: Problem with fees charged

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NC XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX MI XXXX Certified mail receipt # : XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Right of Rescission Dear Ally, I, XXXX : XXXX XXXX XXXX Original XXXX and Natural Woman/Man hereby rescind my consent to be liable to perform on the contract agreement I entered with Ally Financial on XXXX XXXX. 
I entered into this contract agreement with Ally Financial without 1 ). Full disclosure of my right to rescind ( 15 USC 1635 ( a ) ( f ) ) 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Ally Financial willingly and knowingly took advantage of me and my consumer credit. 
I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately. 
In addition, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of { {$1000.00} } was needed to drive off of the lot. Pursuant to 15 USC 1605 a finance charge is sum of all charges. I was also charged incorrectly on the financed amount. If you use Retail Installment calculation you will see that an additional {$600.00} was included to the financed amount. The XXXX XXXX XXXX XXXX blatantly shows numerous items were included in the amount financed which is a violation. 

Reimbursement of all payments made {$22000.00} & Down Payment Reimbursement of {$1000.00} shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

unauthorized inquiry
Complaint sub-issue: Account information incorrect

Equifax is still reporting inaccurate information on my credit profile. i have submitted factual based information with the accuracy reporting on said accounts and they still have not removed these accounts. All accounts come back verified as belonging to me yet no investigation was completed on Equifax end. I demand Equifax to do a complete investigation on these accounts and to verify that they are 100 percent accurate and belong to me. my credit report has many inaccurate reporting items from Equifax on such said accounts. 

XXXX XXXX # XXXX ( date of last activity inaccurate ) XXXX XXXX ' XXXX # XXXX ( date of last activity inaccurate ) XXXX  XXXX # XXXX ( date of last activity inaccurate ) I have included my 3 Bureau report with this complaint outlining the inaccurate reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing in reference to a released tax lien that is reporting on my Equifax credit report as Docket # XXXX. The lien has been released since XX/XX/XXXX. I have filled numerous investigations in efforts to having this public record removed both by phone and by letter. Most recently XXXX and it came back " Verified as Accurate ''. This same released tax lien was removed from XXXX and XXXX after 1 investigation. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB in order for it to appear on credit file. Equifax has not updated their information and per the new law the Released Tax Lien listed does not include all the required information and should be deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items are listed in my report. 

I am also a victim of Identity theft and did not make any of these charges. I ask that the items be deleted and corrected on my Credit Reports. 

I reported these thefts of my identity to the Federal Trade Commission and also I enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 

Please delete and correct all items as soon as possible.
Complaint sub-issue: Billing problem

Hello- I have been trying for WEEKS to get in touch with someone at The Bank of the West to change the account that my automatic payments withdraw from. Unfortunately, every single time i've tried calling ( 4-5 times ), i've sat on hold for almost an hour and noone has answered. 

I've tried communicating with them via their messaging portal, but their instructions dont work. 

I've tried communicating with them on XXXX and they direct me to email their social media account and then respond with a message for me to call their 800 number. The ONE time someone called me, they got into my voicemail and told me to call the 800 number. 

They are not making themselves available to me to properly transact on my account and, as a result, i may miss my upcoming payment.
Complaint sub-issue: Personal information incorrect

There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed