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

I summited all documents since 2018 to current that the account was included in my bankruptcy as well sent in the docket information as well. They sent me a letter telling me that they would update the statues and never updated the information. As well account was paid off the through chapter XXXX and is reporting as a collection in my report this is inaccurate information. Ive asked them to correct this several times my next step is to contact my attorney.
Complaint sub-issue: Problem during payment process

After speaking with an Upgrade customer service agent, I was told that it takes there company 7 business days to post charges to their credit card so you are not able to pay off the actual full balance, only what shows as the balance minus charges with the last 7 business days, but the dates for the charges show the current date, ( the image showing pending charges have a date of XX/XX/2020, but were charged 5 days prior to that date ) even though your account shows your current balance with those charges that they deem as " pending ''. And when you do make a payment, it does not deduct from your bank account for 7-10 business days and you are charged interest that has not yet accrued when you make that initial payment. It will eventually credit back to your bank account, but I question charging interest that has technically not yet accrued. If you do try to make a payment over the amount due ( which they automatically will deduct ) you HAVE to speak to an agent over the phone, which I have actually been on hold for 35 minutes just to talk to someone to make a payment. This companies goal seems to be to ensure it's customers accounts show activity that is not necessarily happening.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, 2 wire transfers were made from my Checking Account, 1 for {$27000.00} and 1 for {$2000.00} without my authorization. I was notified my password to my account had been changed and that these transfers had occurred by email. At the same time, my cell phone stopped working ( it would not get service or make calls ). It was later believed that this may have been connected with the bank fraud in question. I was not able to change my password and log in to my bank without the use of my phone. On XX/XX/XXXX, I was able to get my phone fixed, and thus got access back to my bank. I spoke with people in their fraud departments and filed a report which is currently under investigation. I will need to go to the bank on XX/XX/XXXX ( after Monday 's holiday ) and open a new account and then hope that the investigation has a positive outcome so that my money can be returned to me.
Complaint sub-issue: Problem making or receiving payments

Made two ACH transfers from available funds in account at Discover Bank to newly opened account at XXXX  XXXX XXXX on XX/XX/2021. Transfers were initiated with Discover and sent on XX/XX/2021 but when I called this morning to find out what time the funds were sent, I was told there was no time stamps on either of the transactions. Test credits and debits were sent by Discover Bank to XXXX  XXXX XXXX on XX/XX/2021 to verify the XXXX XXXX XXXX account. I called XXXX XXXX XXXX and was told the funds would be credited to my account by Tuesday or Wednesday and now it is Wednesday XX/XX/2021 and the funds have not been credited to my XXXX XXXX XXXX account. Stay away from Discover Bank. This is my second complaint against them in one week.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX , NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.
Complaint sub-issue: Investigation took more than 30 days

I sent the letter to XXXX, XXXX, and Equifax on XX/XX/2022 it's been over 30 days and I still haven't received anything back. According to 15 Usc 1681i ( a ) ( 1 ) ( A ). XXXX XXXX and Equifax have 30 days to respond to my dispute. This is the violation of my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$530.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My SSI benefits on loaded on the XXXX XXXX  Card issued by the Social Security Office. On XX/XX/2018 I looked on my App on my phone to see if my auto insurance cleared the bank at that time I noticed it had but I also my account was XXXX short. I looked at resent tranactions and notice 8 pending charges that I did not approve, authorize or give permission for. 4 at XXXX, ,Card Purchase to XXXX XXXX and 4 at XXXX to XXXX XXXX international fee. I contacted XXXX   XXXX  on XX/XX/2018 while they was still pending and told them I did not authorize those charges or do I know what they are. I told them non of my bills had been paid and this wiped out my account. I was crying and very upset cause I am very careful about my card. I told them I never use my card at any outside ATM or let people use my card and I keep my card with me at all times. I have never given any information about my card to anyone. I was told to call back after they cleared my account. On XX/XX/2018 I called back as they had cleared my account and spoke with level 2 and I explained the above information to her. She canceled my card and wanted me to pay XXXX to send my card fast..I told her I had very little money in my account to spend so now your wanting XXXX when I was just robbed of XXXX, I told her to send it regular mail. Then I asked when will I get my money back that I have bills and medicine and food to buy and would like to get my grand kids a XXXX gift. She said she would send the paper work to dispute the charges and I have 10 days to fill it out and send it back. I have not received any papers and from what I read this has been a issue with XXXX  XXXX. My understanding my XXXX  card is protected by Regulation E and I must get the paperwork in but if XXXX   XXXX  does not do there job to get the paperwork to me and get it to the bank then it falls back on me as not getting the information in on time. I then again called and every time you call it tells you that your card has been sent and hangs up on you. I really need my money I have bills to pay and they charge late fees that in the end I will have to pay. I asked XXXX  XXXX  to stop the payments when they was pending and they said they could not. Basically we who are on XXXX have to wait on XXXX  XXXX  to get anything done related to our money and if we can not reach them to find out anything or they refuse to give you the money back you are still dealing with XXXX   XXXX. Look at my history and my bills always gets paid. I do not make high purchases like that and I would not do it back to back purchase knowing I have other responsibilities. This are fraudulent purchases using my account. Those are not my charges and I want A IMMEDIATE PROVISIONAL CREDIT PER REGULATION E ... 
I was given this Number when I called XXXX  XXXX about the fraudulent charges I giess it is attached to the case XXXX//From complaints I have read recent about XXXX   XXXX this has been a issue lately with Fraud to other peoples card and XXXX  XXXX is not giving people back there money
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Transaction was not authorized

i filed a dispute on XX/XX/XXXX my account was frozen with XXXX left in it i waited for a new card to show up when it did i went to withdrawl my funds they were gone from my account wich was locked i couldntuse it or access it .tyhey wont even take my phone calls or explain where my money wentnow my stimulus check is due to go in tonight at XXXX im afraid that to will vanisheverything was fine until i called and got thru to someone on the XX/XX/XXXXwhile i was on the phone with them my funds vanished when i asked tobtransfer my funds to another bank i was denyied this isnot the first problem in a rather long ist of problems and illegal action by direct express twords meallowing a chargeback on a frozen account new account numbers that shouldnt have happened .i belive it is malicious and discimination on there part.i think someone needs criminal charges asnd i deserve mrenumeration for my losses due to there illegal behaviour i am also filing a report with the ag office of minnesota directexpressis responsible for XXXX of my money being taken from my account ive tryed calling there phone system hangs up my calls i have no recourse im on XXXX and cant take this kind of a loss. whatever you can do to help me please do help me. thank you .XXXX  XXXX i belive this coverd most of it but the 30 hrs i spent on hold tryingto unfreeze my accountlasttime oi belive minimum wage is fair for my 30hrs on hold.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX* DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX  XXXX US DEPT ED XXXX DEPTEDXXXX  XXXX
Complaint sub-issue: Account status incorrect

My Home Equity Loan with XXXX XXXX has been paid off. I recently reach out and provide credit bureaus agencies documents of my Home Equity Loan has been paid off. It should've been reported to all three reporting agencies Equifax Information Services XXXX LLC, XXXX, and XXXX XXXX Document By U.S. Department of Housing and Urban Development indicate Payoff to XXXX XXXX XXXX  XXXX. in the amount {$43000.00} XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Complaint sub-issue: Their investigation did not fix an error on your report

UNDER 15 USC 1681 CONGRESSIONAL FINDINGS ( a ) and fairness and accuracy of information has been violated because ive sent a letter clearly showing the errors and inaccuracies
Complaint sub-issue: Debt is not mine

ERC has been on all XXXX of my credit reports for an alleged debt they bought from XXXX XXXX in the amount of {$130.00}. This has been listed since XX/XX/XXXX. 

I sent an email to get more information and get this validated by ERC on XX/XX/XXXX. I never got a response. 

I got an alert today that a new collection item was added to my credit report. It is the same debt from ERC in the same amount being reported as new as of XX/XX/XXXX. 

This is a violation of my rights.
Complaint sub-issue: Public record information inaccurate

I Have 2 collection accounts from XXXX XXXX that XXXX has already fixed and I've tried contacting Equifax and logging in to no avail. Keep getting a message try again later. One is for {$25.00} and the other {$35.00}. I have great credit and this is impacting my rates. These charges were paid by my insurance company.
Complaint sub-issue: Other problem getting your report or credit score

I recently was informed that my employer provides payroll data to Equifax ( XXXX. The Work Number ) for the purpose of employment verification. I checked the most recent credit report I have from Equifax and did not see any such data in the report. I called Equifax and spoke to a supervisor in their dispute department who stated that the only information they have about me is what is in my credit report, and therefore the credit report comprised the entirety of the information in my file. I believe that they do have employment data about me, that said information is included in the definition of " file '' under the XXXX and that the credit report request process is their only public mechanism for requesting a copy of my " file '' under the XXXX
Complaint sub-issue: Transaction was not authorized

I made a purchase online on XX/XX/XXXX and never got the product. I tried contacting the merchant but had no response and their website was no longer in service, this is obviously a scam/fraudulent website. I dispute the transaction with Citibank on XX/XX/XXXX and provided all the documents requested by mail, email and phone. I spoke to different representative and they either claims was not enough information or that they didnt receive it. Also said that they were going to escalate and file an appeal on my behalf. Meanwhile they tell me to call back in XXXX days to follow up which I do but then they said that I didnt give enough information. I am back and forth with Citibank and they clearly do not provide any help. Is XX/XX/2022 and now they claim I have to sign a letter to give them authorization to handle this dispute on my behalf. Im obviously giving them authorization since day XXXX that I file the dispute but now they want it in written? 
I never had these issues for a dispute before and the amount is {$82.00}. Im doing all the research, providing all the reference information and these people who seem very inept say that is not enough but fail to tell me what else is that is missing. Please investigate this issue with them, I cant believe this is happening and cant even imagine what will happen if is a larger amount that Im disputing.
Complaint sub-issue: Reporting company used your report improperly

accordance with the Fair credit report accordance with the Fair credit report account # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights according to 15 usc 1681section 602 A stats I have the rights for privacy 15 usc 1681 section 604 A section 2 it olso stats a consumer could not report without a written promotion from me.
Complaint sub-issue: Account status incorrect

On my credit reports with each company they show a Repo for my car with XXXX XXXXXXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has a note on my XXXX XXXX that it was resolved in a dispute. 
The fact is that this is a brand new card that I just received in XX/XX/2021 and have never disputed anything on it nor do I need to as there has not been enough time for anything to go wrong. Equifax did not remove the remark when I disputed it and another fact is there are no documents to support this remark or any legal record to support this remark. 
I have not asked for the remark.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, PLEASE INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR THEY HAVE TARNISHED MY CREDIT FILE AND NAME. THESE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.
Complaint sub-issue: Other problem

I received two Citi custom cash cards in the mail. One with my name and one with the person of the XXXX XXXX on it. I did not apply for this card. I contacted citi and they stoped it immediately and reported it as fraud
Complaint sub-issue: Account status incorrect

I've sent in request to have this account XXXX XXXX Master Card, updated or removed as it has been paid off and it is still incorrectly showing as charged off and unpaid.
Complaint sub-issue: Received bad information about my loan

My husband and I consolidated our student loans after we got married to reduce our payment size and interest rate. Now, he qualifies for a Public Servant XXXX. The XXXX applies toward all his loans except the spousal consideration loan. Most of his loans were included in the spousal consolidation. When he asked them to forgive his portion of the loans, they said federal regulations prohibit undoing the spousal consolidation loan. We would have never agreed to the consolidation if we knew it would exclude us from government programs. Why ca n't we restructure the loan? This has been a road block for many people.
Complaint sub-issue: Report provided to employer without your written authorization

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$78.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXXXXXX XXXX XXXXXXXX date Opened : XX/XX/XXXX Balance : {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received an alert less than 24 hours that there was a hard inquiry pulled by the two companies listed below on the dates provided. I called both companies and Equifax to tell them these inquiries are involved with fraud. I never authorize the hard inquiries. I ask to have them removed. Under the FCRA Legally the unverified and unauthorized items must be removed. Please help? 


XXXX XXXX XX/XX/21 XXXX XX/XX/21
Complaint sub-issue: Their investigation did not fix an error on your report

I have attempted to contacted XXXX and Equifax on multiple occasion to investigate an account with XXXX XXXX which is reporting on my credit report as a charge off account after their initial investigation which was falsely verified as my account by the merchant, I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above auto finance company, and with the information, I was able to obtain It appears to be an account that was open fraudulently using an old lost or stolen ID and a previous address of which I have not resided over 3 years. It has been over a year and a half since my initial contact with these agencies and have not been able to accomplish anything thus far. This inaccurate information has severely damaged my credit rating and has caused me to lose out on job opportunities I am overwhelmed and do not know what else to do.