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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Deposits and withdrawals

I have been scammed by CitiBank. Without my authorization, Citibank has approved ACH transaction of {$10000.00} to pay for a stranger 's utility bills to service providers such as XXXX ( electrical bills ) XXXX ( Mobile phone service ) and XXXX XXXX XXXX service. The money was drawn from my checking account without my authorization. 
Citibank has violated SEC rules and regulations. They have authorized the fund transfers based on a telephone call from a stranger imposter. They have neglected to exercise due diligence. They have refused to reimburse me for the unauthorized fund transaction.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,    2017  {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX, ETC hard inquires on XX/XX/XXXX & XX/XX/XXXX I did not apply for this neither times fraudulent Factual Data- Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX All of these are fraudulent hard inquiries I did not apply for none of these and I tried reaching out to the company and did not get a response
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Form 1099-C requirements XXXX  account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).
Complaint sub-issue: Information belongs to someone else

In XX/XX/2020, an authorized deduction was taken from my XXXX  XXXX XXXX checking account in the amount of {$1400.00}. I filed a fraud claim with XXXX  XXXX XXXX and after their investigation, they determined this was a fraudulent transaction and they credited my account back the full {$1400.00}. I was advised to check my credit reports and after doing so, I found that XXXX  XXXX XXXX was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the Equifax data breach, in which all of my personal, financial and electronic data had been stolen. I also received letters from debt collectors for the XXXX  XXXX XXXX account. A dispute letter was sent to both the collection agency and XXXX  XXXX XXXX advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the XXXX  XXXX XXXX account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the fraudulent charges. Then in XX/XX/2020, I again had an unauthorized fraudulent deduction from my XXXX  XXXX XXXX card which again they investigated, found to be fraudulent and credited my account back the money. XXXX  XXXX XXXX is completely aware that my identity was stolen and that fraudulent charges were being made against my account, however they are doing nothing to correct my credit report, validate the charges or show my liability for the amount of the charges and now are in the process of suing me. I never received any type of correspondence from them advising me of charges to my account and I never received any bank statements because they had me on paperless. I have no reason to check my paperless statements as a believed my account was current and paid in full.
Complaint sub-issue: Information belongs to someone else

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$790.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$740.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$980.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}
Complaint sub-issue: Reinserted previously deleted info

I am filing a complaint against Equifax for violating my rights under the FCRA. I have placed several fraud alerts under my account I have noticed several inquires and account pop up on my credit file and when I disputes those equifax indicated the debts were valid. I asked for proof of validation of debt with no response or verification from the debtor or Equifax. They are reporting inaccurate information. I am asking someone take a look into this as my rights are being voilated and information is being reported inaccurately. I also have disputed a account several times There is XXXX account with the same account number and same balance being reported multiple times under a different company name as the company changed their name/and or bought out. The company is XXXX XXXX their name was recently changed to XXXX XXXX. This account is listed under my credit as XXXX seperate accounts with a balance around {$750.00} as if I owe XXXX seperate companies and they are the same account. I have disputed this information several times and Equifax has done nothing. The account is still on there and is affecting my credit. Also there are multiple inquires that I keep disputing that are still on there I have even contacted the companies and they have indicated they do not have any information on viewing my credit nor do I have an account with any of these companies. Please review multiple violations from Equifax in their dealings with consumer disputes. Thank you
Complaint sub-issue: Information belongs to someone else

I am submitting this complaint on my own there is no third party involved. I checked my XXXX credit report to see a collection account from XXXX XXXX XXXX for the amount of {$410.00}. I have no knowledge of this collection account. I disputed this account with XXXX and they keep saying the account is verified. I also see a closed Charge-off account from XXXX XXXX XXXX XXXX XXXX and Equifax report XXXX I have no knowledge of this account. I disputed this XXXX and Equifax and they keep saying the account has been verified. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Credit Agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts I listed above. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this date, 90 days later, I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 90 days and I am demanding these accounts are deleted immediately or I will file for litigation due to the stress you caused me.
Complaint sub-issue: Personal information incorrect

CoreLogic sent me a copy of my consumer disclosure report. On that report, there were numerous variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the personal information data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.
Complaint sub-issue: Investigation took more than 30 days

XXXX made a XXXX purchase ( CA ), with affirm and returned items a couple days later. XXXX continued to charge. I didnt pay. XXXX issued me a {$.00} refund. The total was {$2500.00}. I have disputed, failed. They say the info is accurate. A few months later, they sell the debt to XXXX. They marked my credit as a charge off. I called because that has precluded me from buying a home. I called affirm yesterday, spoke with XXXX in XXXX XXXX ( what I was told ). I asked for a manager, I was told I have to call back and ask for one, then she said shes the manager, then she said no one is here. I never received ANY letter stating they are charging it off ( XX/XX/XXXX ). XXXX told me that its my responsibility to police XXXX. How? I made the returns, the erroneously issued the credit for {$.00} instead of {$2500.00}. XXXX said I returned {$.00} worth of stuff. Thats wrong. So XXXX  said that affirm says its valid. Now I can not buy a home. My credit is pristine. I will not pay for something I returned. {$2500.00} is a lot of money. This is nuts. I was denied access to affirm leadership, I asked that XXXX please send an email stating the account is not in their possession, denied again. I need this CHARGE OFF removed please. She is aware I have XXXX XXXX children and we do not collect ANY government help. I need to buy a home! I found it and now I can not finance it because of them.
Complaint sub-issue: Account status incorrect

Please reverse the late payments reported on XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX  Reference # 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 instruction.
Complaint sub-issue: Debt is not yours

Several disputes has been filed to have this item removed from my credit file. I never opened an account with XXXX or XXXX XXXX XXXX. 
Dates disputes has been filed with credit bureaus regarding this company was on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And this account still has not been removed from my credit file. I don't even use my credit for anything, I have a nothing on my credit file. I'm a XXXX year old XXXX XXXX, that don't even understand how to use my credit. Therefore, this account can't possibly belong to me.
Complaint sub-issue: Can't close your account

My son XXXX XXXX. He had Citibank account in XXXX, Fl. I took A trip to the branch and handed XXXX XXXX the XXXX XXXX and told him my son XXXX XXXX and that the lawyer needs print outs of what is in the account. I gave him all the information he needed to provide my lawyer. He gave me a card and said that He would take care of it and that I should call him in a week. I had to go back to South Carolina and I continued to call and leave messages. Its going on 3 weeks and I havent heard back from XXXX and I have not heard from any of the representative from that branch. I called every number I can to have someone help. I need this paperwork for the lawyer and no one wants to help me. Please contact me I am Current at my daughters XXXX
Complaint sub-issue: No notice of investigation status/result

Someone opened several credit cards under my name. XXXX XXXX appeared twice on my credit report. I disputed the items and XXXX XXXX sent a letter indicating they removed the items from my credit report. 2 weeks later I received a letter from XXXX XXXX stating they sold the account to XXXX XXXX and I would have to follow up with Portfolio Recovery. I called XXXX XXXX and they have been impossible to obtain information, I then submitted the dispute with the credit bureaus and have not received any assistance on removing inaccurate information from my credit report.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1.XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Reporting company used your report improperly

My information was included in the hack discovered on XX/XX/17 according to equifaxsecurity2017.com It took over a month to inform consumers about this hack and we have been unprotected and unaware this entire time.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 1 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$2700.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX XXXX Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 38 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$2500.00} High Credit {$2800.00} Available Credit {$2500.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency
Complaint sub-issue: Investigation took more than 30 days

I applied for low income apartments and they sent me a letter statement saying they couldnt approve me because of something with my credit report so Im trying to find out what happened.
Complaint sub-issue: Account information incorrect

I first noticed in XXXX  that Equifax was reporting late payments on an account that i paid off fully in XXXX. I purchased in FULL my car that was being leased from XXXX in XXXX. Never missed any payments, but Equifax started reporting me as being late on an account that was closed out. I sent them a letter and they ignored the late payments. I sent XXXX a letter and they said they would tell Equifax this was a mistake. However they are still reporting me as being late today. How is this possible? It is really causing me to lose out obtaining credit and good interest rates. How can they knowingly keep making this mistake? There is no way my credit score should be hurting because Equifax is refusing to do their job. I am the victim here ..... Please help
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account ( XXXX XXXX ) XXXX times with Equifax! Each time they sent me a letter stating it was Verified with No Proof. The last time I disputed with you ( cfpb ) I still received a notice stating Verified. This is a violation of my rights in so many ways! Equifax must abide by these Laws 15 US Code 1681i ( 7 ), 15 US Code i ( 6 ), and 15 US Code 1681 a ( 3 ) ( a ) ( b ) ( c ) No medical information should be published! And 15 USC 1681 b ( a ). ( 2j permission law!
Complaint sub-issue: Denied request to lower payments

After becoming very sick and hospitalized for several weeks, I missed a payment and fell behind. Soon as I was able I reached out and attempted to make arrangements to get caught up back in XX/XX/2020 to the best of my knowledge. I was told on a recorded line, that if I was able to arrange to pay at least {$410.00}, that my account can be arranged to show current and add the missing payment to the end of the loan, Even after I made my payment as agreed, Flagship Credit did not do what they promised. I remained behind even after making a payment as agreed. Denied without any explanation. 

Daily harassing phone calls multiple times a day starting before XXXX daily. I never got any communication ( email, phone call, letter in the mail ) of denial, NOTHING. When I asked, I was told " your request was denied ''. Nothing more. 

In XX/XX/2020, I received yet another round of harassing calls, one of  which from a self described account manager named only XXXX. XXXX again, made a payment agreement with me to pay {$410.00} in XXXX for XXXX payment and he would roll XXXX and XXXX payments to the end of the loan making my next payment due XX/XX/2020. Again, I kept my word, made payment as agreed and FLAGSHIP CREDIT, again, failed to do what they said. The daily calls before XXXX several times a day continued. I attempted to contact XXXX, but my calls went unanswered, until first thing this morning. XXXX calls. When asked why his agreement ( AGAIN ) was not kept. XXXX simply said,  " your request was denied ''. 

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

Due to Equifax 's failure to A. Protect my financial information and B. Fail to disclose their failure in a timely manner, according to their website I may have been affected by their data breach. I did have to close my bank account in XX/XX/XXXX as a result of unrecognized charges, and then proceeded to place a fraud alert on my credit information with Equifax. While I can not definitively point to their data breech being the cause of my bank account being compromised, had I been made aware of their failure, I could have taken protective measures much sooner.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I was charged {$100.00} from XXXX XXXX in XXXX, FL. I called XXXX and left messages three times - and to this day have not received any response. After waiting a week for a response, disputed the charge with Elan Financial Services. While I had eaten in the restaurants during my stay, I did not make this charge ( referenced at Eating Places, Restaurants on my billing statement ). Elan Financial Services investigated the claim and told me the chip was used and therefore closed my claim. I have all my receipts and each charge is accounted for therefore I requested a copy of the receipt or other proof in XXXX after being informed that the claim was closed. I decided to reopen the claim in XXXX and reminded the claim representative on XX/XX/22 that I am still waiting on this proof and to see the credit applied to my account. Elan is not being helpful or responsive.
Complaint sub-issue: Trouble with how payments are being handled

The company is Great Lakes. I did not see an XXXX payment post, and just now noticed while doing budgeting. I logged in to my Great Lakes account and they put my loans in forbearance without my knowledge or consent! This is not the first time they have done things like this. Great Lakes needs to be thoroughly investigated and shut down.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I purchased a car from CarMax in XX/XX/2021. I started having issues with the vehicle 's engine in XX/XX/2021. I spent money I did not have to try and get the car repaired but I was advised it was not repairable. I advised CarMax Auto Finance of this and they denied my request to defer my monthly payments until I could figure out what to do. I am a single parent and do not have funds to pay a monthly payment that is stuck at the repair facility or try to find money for a down payment for a new car. I have been alerted that they reported my payment 90days past due which caused my credit score to decrease and now I really can't qualify for financing any where else