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

I have discovered that Equifax is reporting incorrect and incomplete data ona mortgage account that I sold in 2012. XXXX XXXX XXXX, XXXX. Mortgage is reporting my current status as " Pays 61-90 days. '' They do show the " activity designator '' as Paid and Closed. However, the current status is certainly not " Pays 61-90 days. '' This should be reported as " Closed, as I can not currently be late on a mortgage that I paid in full I. XXXX 2012. According to their own 81 month payment history on my credit report, there is not a single instance where my payment was more than 30 days late. Equifax ( or XXXX XXXX XXXX ) has also omitted all on-time payments in the 81 month historical payment history, except for XXXX. They have only included instances where I was 30 days late. Every other month ( but for XXXX ) shows " NR. '' This is clearly not correct. If an 81 month payment history is included in a credit report, it should be recorded in its entirety, or not at all. Please find attached copy of my mortgage with XXXX XXXX XXXX, as reported by Equifax.
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The Items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the federal trade commission and I also attached copies of the federal trade commissions identity theft affidavit. please remove these items as soon as possible.
Complaint sub-issue: Account status incorrect

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after the investigation with the same inaccurate information. 

The law states that if 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 investigation. 

This is willful disregard of the FCRA
Complaint sub-issue: Their investigation did not fix an error on your report

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting of invalid information, fraudulent reporting of information or reporting of information I believe is due to identity theft.I have no knowledge of how the misinformation stemming from the above came about to be.I have not authorized misuse of my personal, financial, or any information.I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required metro 2 426-character P6 statement, 5 part personal identifiers and all alpha numeric and/or alphanumeric source codes and delete/block permanently the reporting of any. XXXX is reporting me late on my Student loan ( ACCT # XXXX ) stating they have checked with the Department of Education ( without proof ) and they have confirmed that I was supposed to be late on XX/XX/2018. This is inaccurate information being reported on my credit report because when I could not pay my student loan bill, I have always asked for time to pay and I was always granted that time by DEPT OF EDUCATION/XXXX. As for XXXX, They have not provided me with how they ran their investigation. They just sent me documentation stating it was verified and so was equifax. HOW? So i went on and file a complaint with the FTC for some of the items I was not familiar with for I believe someone might have obtained my personal Information and has been destroying my credit as if I did not already have issues with these credit bureaus being passive with my financial livelihood. My next step, is to file a complaint with the Attorney General 's office if they do not remove these ERRONEOUS information off my credit report. EQUIFAX has 2 inquiries they are stating to have been investigating with this as unsatisfactory result, and I'll quote : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY FOR ACCT # XXXX XXXX, AND XXXX XXXX XXXX XXXX. I have not authorized anyone to go search for a mortgage on my behalf for I am educated and understand that my credit score isn't where it needs to be in order for me to purchase a home. AGAIN, I have never authorized any loan officer or lender to pull my credit at least to my knowledge. I am not shopping for house at this very moment or earlier either.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX. 
XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$5000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 do not have a contract with American Education Services ( AES ) however they are reporting on my XXXX Credit Report that I owe a debt. In addition, I have requested a full validation of alleged account that is being reported and XXXX completely ignored this request and certainly did not respond to the request within in the 30 day required timeframe.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX. As well as unauthorized hard inquiries that were reported as follows XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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 and XXXX 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: Billing dispute for services

I put a security freeze on my Equifax account yesterday, due to the data breach. They charged me {$10.00}, and tried to get me to sign up for their protection program ( where I would lose class action status. ). I told them I only wanted the ability to freeze my credit for free. I spoke to two different managers ( including a XXXX. XXXX  who refused to provide a first name and phone number. ). No one would help - they forced me to pay {$10.00} for something they should be offering for free. Profits before protection, apparently ....
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed false reporting XXXX  inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX XXXX  Musa Auto Finance XXXX  have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Complaint sub-issue: Problem getting your free annual credit report

I have new and updated information. I complained against Equifax on XX/XX/2022 for denying me access to my consumer credit report AND file. Equifax responded on XX/XX/2022 with instructions to mail in my request so they could properly assist me. I mailed the request in for my consumer report AND file via certified mail with a signature return slip on XX/XX/2022. I received a notice from Equifax via mail on XX/XX/2022 without the signature return slip, which I expected back. The notice that Equifax sent in response to my request is a blatant stall tactic. Equifax continues to violate my rights as a federally protected consumer.
Complaint sub-issue: Banking errors

I received a promotion from Citibank last XXXX. If you opened a new savings account and maintained a certain balance for 60 consecutive days, the bank would pay {$100.00} to your new account within 90 days of fulfilling all the obligations. I opened the account in XX/XX/2021, and the 60 days were up on XX/XX/2021. I waited the full 90 days, but never received the {$100.00}. I contacted the bank on XX/XX/XXXX to find out what happened. The bank acknowledged that I fulfilled all the obligations but told me that the {$100.00} bonus would not be paid until XX/XX/XXXX. I told them that date is beyond the 90 days, as XX/XX/XXXX would be 120 days. They said " we can do nothing about it. '' This is a perfect example of bait and switch. They lured me with the promotion but are violating their own rules about paying the bonus. Banks must not be allowed to get away with such fraud. In this case, I would like the bank to pay me my {$100.00} promotion immediately. In addition, the bank should be assessed a {$100.00} penalty fee payable to me for their duplicity and the XXXX  and XXXX I have endured.
Complaint sub-issue: Information belongs to someone else

I noticed seven accounts which were opened which are not mine on all three credit bureaus.
Complaint sub-issue: Personal information

My name is XXXX XXXX, A new address popped up on my credit report. I do not live in XXXX XXXX VT this Addresses newly reported XXXX XXXX XXXX XXXX, XXXX, XXXX live at XXXX XXXX XXXX, XXXX, XXXX, VT XXXX. I have never lived at the XXXX address above and have no plans to. I have never worked for XXXX but have worked for XXXX for 21 years.
Complaint sub-issue: Information is missing that should be on the report

XXXX TODAY WILL NOT PERMIT AN ONLINE DISPUTE OR UPLOAD OF DISPUTE SUPPORTING INFORMATION. 

I HAVE TWO ACCOUNTS, XXXX XXXX XXXXXXXX ACCOUNT XXXX, AND XXXX XXXX XXXX XXXXXXXX, ACCOUNT NUMBER XXXX OF THESE ACCOUNTS HAVE LATE PYMTS IN THE HISTORY DUE TO MY COMPLETE BUT TEMPORARY XXXX OF 9 MONTHS FROM XX/XX/XXXX THROUGH XXXX OF XXXX. 
I WAS XXXX XXXX AND XXXX  XXXX UNDER A DOCTORS CARE AND RECEIVING GOVT XXXX PAYMENTS. 
TODAY I AM A XXXX EARNINNG {$85000.00} PER YEAR ... AS SOON AS I WAS ABLE I CAUGHT UP ON PAYMENTS AND PAID THE ACCOUNTS OFF.I HAVE INCLUDED SOME OF THE GOVT XXXX PYMT INFORMATION RECEIVED AND REALLY NEED AND DESERVE EITHER A DELETION OR NA OR ND ON MY LATE PYMT HISTORY AS THIS HAMPERS THE HOUSE TRANSACTION I AM TRYING TO BUY TO GET OUT OF MY SMALL MOBILE HOME I LIVE IN AND OWN.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I wrote a validation and verification letter to XXXX XXXX as well as to XXXX, Equifax, and XXXX   about the account. The account was charged off and XXXX XXXX sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX  has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve
Complaint sub-issue: Funds not received from closed account

I called to close my account because I was not happy with Citi 's archaic online services. I discovered, via the post office, that Citi sent tax documents to an old address on my account that I closed, which made me furious as I had my updated address in that account for months. Now that my account is closed, it appears that Citi may have sent a check with the balance to the old address, not the current address on the account when I closed it. 

Since my online access has been canceled once I cancelled my account, I can't go online to retrieve my tax documents.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

was denied from a lender due to " too many inquiries '' from Equifax. I was alerted by that, therefore I proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Equifax and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason. 
XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX card - 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
Complaint sub-issue: Account status incorrect

Debt by XXXX XXXX XXXX XXXX XXXX ( XXXX ) for {$200.00} being reported on credit report is incorrect and has been fully paid for ( see attached ). This must be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

OnXX/XX/2019, I disputed a Chapter XXXX  bankruptcy that was being reported on my credit report. June the credit reporting agency stated the information was verified as accurate. XX/XX/2019, I sent a letter to the court administrator of the courthouse where the bankruptcy was filed. In my letter I requested what is their procedure for verifying records with the credit reporting agencies. XX/XX/0219, The court administrator mailed me their response, stating the courts has no form of direct interaction with any credit bureau. Credit bureaus do not check with or otherwise have direct contact with the Court to verify information they have obtained from third parties. The Court has no involvement regarding what credit bureaus do with the information they get from third party administrators. XX/XX/2019, I mailed a copy of the letter to the credit reporting agency along with the response I received from the Courthouse Administrator stating how they don't verify the information with the credit bureaus. In the letter I stated per the FCRA 623(a)(5): "If the Credit Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file". The Credit Bureau responded back stating it was verified. I then asked them for their Method of Verification. As a consumer, I have a right to request the credit reporting agency method of verification. I requested the Credit Bureau to send me the original method of verification from the Courthouse and they advised they do not have to furnish that information to me.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX XXXX Case Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX This account has unverifiable and incomplete information please remove this from my credit report 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove from my credit reports balances are Incorrect and Unverifiable Information please remove Immediately per FCRA. 10. The following status of this account is incorrect and incomplete XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 12. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 13. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 14. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 15. The following status of this account is incorrect and incomplete and is reporting in accurate balances XXXX Account XXXX : XXXX Please remove it from my credit report. 16. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 17. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 20. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On multiple occasions I sent, registered mail with a police report from the XXXX XXXX XXXX XXXX in conjunction with the federal trade commission report and lastly my dispute letter. I disputed over the phone I have disputed online and through registered mail. XXXX is the only XXXX reporting this inaccurate information and they refuse to honor my humble request although I have been victimized by identity theft. Please help me. XXXX XXXX. XXXX has horrible customer service and very disrespectful there business practices are unacceptable. I'm ready to take this credit reporting company to justice. XXXX has proven themselves incompetent and ultimately forced me to file this report. I tried to resolve on my own but they refuse to adhere to the police report ftc report and have totally disregarded my diapute letters. I have disputes this inaccurate item XXXX times
Complaint sub-issue: Talked to a third-party about your debt

I was 7 days past due on a loan payment with XXXX. I had already informed them it would be late due to unforeseen health problems and lost pay from missing work due to my health and my family 's health. They were calling me excessively at work and on my cell phone number from numerous area codes and left a huge amount of voicemails all week. Then on XXXX/XXXX/XXXX, I received an email from my company email from another employee of the company I work for, whom I do not know, do not work in the same office with or have ever even met saying that " XXXX at XXXX XXXX called and she would like for you to give her a call at ( XXXX ) XXXX, their open until XXXX. I was completely embarrassed and outraged that they did this, I do not even know her! I faxed them, sent them online letter as well as mailed a cease letter informing them that I am not allowed calls at my place of work and especially they are NOT allowed to contact a third party co-worker with my personal loan information, which saying they 're from XXXX XXXX is pretty obvious I owe a debt!
Complaint sub-issue: Problem with balance transfer

Yesterday when I was looking at my account it was no pending transactions. I had a balance of {$110.00} and available credit of XXXX. I made a payment of {$110.00} towards my balance at Keybank in XXXX XXXX NY. Then when I looked at my account my balance and available credit was changed only a little. I went back into the bank to see what was going on and they told me it takes 24 hours  to post to my account. I looked at my account today and it said I owe another {$220.00}. I went into the bank & they told me that maybe I made another transaction between yesterday and today when I know I didn't. 
I just looked at my account and now im seeing repeated transactions ( that I already made earlier this month ) saying it was posted yesterday. I know it was posted before then because I check my account every single day more than once a day. And the money was already took out of my account and credit for. 

I first got the secured credit card with a deposit of {$300.00}. I just paid {$110.00} yesterday now they're telling me I owe another {$220.00}. I dont know what type of scam they got going on but they're really the worst and I refuse to pay more than what I originally put on the card. I didnt have no late payments or anything. Actually I paid earlier than the due date.
Complaint sub-issue: Debt was paid

I was contacted last year in XXXX from a harassing debt collector in XXXX saying I owed XXXX money. I was harassed at work so I took charge. I filed complaints and was contacted on XX/XX/XXXX from XXXX   stating they were sorry and were buying the debt back and the account would be noted as paid in full and all collections would cease. They stated in an email this would take a few business days. Fast forward to today XX/XX/XXXX. I get a call from an XXXX XXXX stating I owed XXXX XXXX dollars and would need to pay in full to keep from getting sued, I then contacted XXXX and was told they are in the process of still buying the debt back meanwhile I am being threatned with court and wage garnishment.
Complaint sub-issue: Debt is not yours

Im a XXXX adult on my credit report is said that I opened up a XXXX account on XX/XX/2020 and it was last reported on XX/XX/2020 The company that is reporting this debt is Enhanced Recovery Company.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent multiple letters to all XXXX of the credit bureaus and even the XXXX XXXX the company. The laws states that all XXXX bureaus have to report accurate information and in this case that is not being done. XXXX has me opening this XXXX account XX/XX/XXXX where XXXX and Equifax have me opening this account XX/XX/XXXX. Right there that is a problem because I couldn't have opened this account on XXXX different days. The even bigger problem for me is that all XXXX bureaus are reporting different dates for me making my last payment. XXXX is reporting my last payment on XX/XX/XXXX, XXXX is reporting my last payment as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. There is no way possible that all XXXX of these different last payment dates are correct.