Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Complaint sub-issue: Investigation took more than 30 days

The date of my first letter complaint wasXX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

OnXX/XX/XXXX I filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XX/XX/XXXX, FTC as well as my States Attorney General.
Complaint sub-issue: Problem getting report or credit score

Someone stole my identity and file federal income taxes and open credit cards and loans. I am unable to get a copy of my equifax report because the information they have on file and what I 'm reporting is not the same. I received my taxes after a year of proving myself to the IRS. Now I 'm trying to obtain a mortgage it 's showing up that I already have one which is false.
Complaint sub-issue: Account information incorrect

This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX  and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

LOANCARE : reported late payments. At Covid-19 Pandemic, legally you could go on Forbearance for six ( 6 ) months which should not effect your credit or be considered late. On the credit report it shows XXXX days, XXXX days. Of course, this was agreed upon between Loancare and myself. Although on the XXXX. month XXXX payment was paid. I had called in to see what to do and asked if I wanted to extend the forbearance for another six months which I did not want to. Then, I paid the total of the payments at the end of my term, ( total of {$17000.00} ) so I stay current. Also, somehow XXXX days the payment was sent they had miss placed it in a different department, they found it later were supposed to straighten it but never did. 
XXXX XXXX XXXX. The lates they show is completely wrong. They were on XXXX pay and tried to make sense with them. This was supposed to be straightened up but never did.
Complaint sub-issue: Received bad information about your loan

Submitted earlier complaint with CFPB, which closed despite improper resolution. See attached documents in reference to complaint. 
Sent fourth letter to XXXX XXXX  department following up with complaint, they haven't responded for a month.
Complaint sub-issue: Information belongs to someone else

have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems.  The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Their investigation did not fix an error on your report

Since the end if XX/XX/2022 I been trying to make corrections on my report regarding trade line if XXXX XXXX XXXX with Equifax, nothing has been fix and instead of conducting a " proper investigation '', they continued to on it, delete and.or do nothing regarding the information disputes. As of this date, I can not have a complete, accurate and verifiable trade line. I tried disputing on line, over the shine and last via cert mail. In addition, I have tried to obtain and dispute directly with XXXX, furnisher with no answer. It is a mystery and/or Comenity is not releasing the records of payments, charges and I am stuck with a trade line full of errors and incomplete because Equifax is not able to verify the information which was previously reported, once disputed, Equifax claimed that they contact the furnisher and it is accurate OR the information disputed is UNKNOWN. I am demanding accuracy completeness errors free in my consumer report. Please review the attachments, I made notes including dates, comments and circled the disputed information.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX ( XXXX ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which XXXX is reporting as a Foreclosure to XXXX and Equifax. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. XXXX has also reported to Equifax a date of last activity of XX/XX/XXXX while XXXX shows XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

I got a report from credit karma stating I have a recent hard inquiry from a company called XXXX XXXX on XX/XX/2019. I have never heard of the company and I did not contact that company for any business or whatsoever.
Complaint sub-issue: Reporting company used your report improperly

Equifax refuses to take my credit file out of their Office of Consumer Affairs. I have made several requests and sent the documents they requested. XXXX, XXXX XXXX form sent a letters for the last two years requesting this removals. As of yet, it has not been removed and I run into many issues when purchasing a new home and trying to find somewhere to live. This has become a major barrier in my life. I feel as though I am being discriminated and targeted.
Complaint sub-issue: Debt is not yours

I see an account on my credit report that was sent to collections and I have never had an account with this company and i do not owe this balance. This was done without my consent and I have never given authority to start an account in my name with this company
Complaint sub-issue: Account status incorrect

1.this account is 7 years old its time to remove it 2.they are reporting as ( ok ) on equifax and the last date they reported it was on XX/XX/XXXX 3. On XXXX they did not report since XXXX 4. XXXX they are not reporting at all 5. Equifax says the last payment was on XX/XX/XXXX 6XXXX says last date of payment is XX/XX/XXXX 7. XXXX says the last payment was on XX/XX/XXXX 8. All 3 have different comment on that section This needs to be removed due to fcra Al due to date inaccuracies
Complaint sub-issue: Account terms

All of the medical on my credit report should not be there I have spoken with each individual who placed them on my report and they agreed that their billing department did not send my balances through my secondary insurance which they have since done and I owe them nothing now, they admitted they made the mistake so I would like any and all of my medical reports taken off my credit report. XXXX already removed them from their site Equifax has not done so yet which is impacting my credit report
Complaint sub-issue: Can't close your account

I applied for a secure card for Discover, I made a deposit of {$200.00} and after a long time I received my card. I unlocked it and tried to use it, but I was not able to do so, because they put my account in a credit bureau fraud alert ( I have no idea why they did that ). Then I called them, tried all possible ways to use the card but without success. But after that, due to this difficult to use a simple credit card I asked them to close the account and refund my money on XX/XX/XXXX. Since then, I'm trying to talk to them by message, because I can't talk to then using the phone, but they never give me an answer about when my refund will be issued. All that I want is my money back and they never give me the information when they will do that and how this will be made.
Complaint sub-issue: Information belongs to someone else

I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours. 

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

I disputed accounts reported by credit bureaus under my Social Security number they were deleted however they have been reinserted on my report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), credit bureaus are required to notify me of the reinsertion in writing within 5 business days, ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

In XXXX of this year, we were reported 30 days late on our U.S Bank HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of XXXX.
Complaint sub-issue: Attempted to collect wrong amount

I called the collection agency ( AR Resources INC. ) and I told them that I did not have the full amount of {$290.00} that was owed but I wanted to know if I could settle the account for a lesser amount and if so I could pay that amount the same day. The representative told that I could pay {$180.00} and that it would be taken care of and that it would take 30 days to show the collection as paid on my credit report. So I thought that everything was taken care of. When I pulled up my credit report this morning, It showed that I did pay {$180.00} but it also showed that I still owe a balance. According to what the representative said, the debt is supposed to removed because of the payment that I made.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The company is Equifax. I found out about the problem on XX/XX/2019 when sitting in the office of Credit Union ( CU ) CampusUSA in XXXX, FL trying to open an account. The CU was not able to pull a report on me, stating Equifax had nothing on me. I called Equifax and at 3 different times I was told they could not pull my account up and try later. I finally got a person who told me, that if I believed that I had a credit history, I needed to dispute that because they show I don't. I explained XXXX  and XXXX  had reports - 37 pages long. Equifax has had reports on me, as I pull my free report every year. Equifax had me fax and US mail a dispute with my Drivers License and Social Security card and note of my dispute. I did this on XX/XX/2019. I called Equifax today and they could not find my file. With all the info I gave they told me that my middle name had become my last name. Equifax stated that I did not send legible documents ( they were professionally copied at XXXX XXXX and were legible ). Equifax told me a creditor had made my middle name my last name and I would have to send another dispute for my name correction and legible documents. Equifax refused to tell me what creditor changed my name and refused to contact that creditor. Equifax would not tell me what company had changed my name. Equifax told me that a Social Security card and Drivers license with the correct name was not enough.
Complaint sub-issue: Didn't receive notice of right to dispute

I moved out from XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) reported my name and amount owed to collections agency. XXXX XXXX XXXX claimed that they have sent a notice about my balance to my address. Supposed letter was dated XX/XX/XXXX and didn't have my address at all. I have never received the notice. 

As a result, this balance was reported to collections agency, PROCOLLECT , INC, XX/XX/XXXX. I have notified this agency that the information is wrong, and the letter from the XXXX XXXX. However, they still have my report in collections.
Complaint sub-issue: Debt is not yours

I receive a call every morning between XXXX and XXXX XXXX from XXXX. They are looking for my ex-husband. I have called the number repeatedly and never get a person. I have left messages with his phone number, explaining that he does not live here. The calls continue. Every day.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone ran my credit today, XX/XX/2022 from a different state for appliances. I DID NOT apply for credit anywhere today! Especially in Texas. I'm getting the run around from the company- Conn 's Appliances in Texas XXXX This is a " buy here pay here appliance store. First they said their systems are down and to call in a few days. I called back and the transferred me to their Fraud department- I was immediately disconnect. I call back, they sent me to the fraud dept again and the phone rang for 3 straight minutes with no answer, no voicemail etc.
Complaint sub-issue: Their investigation did not fix an error on your report

In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since XXXX I have attempted to write Equifax and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.
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 : 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 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 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 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 XXXXXXXX XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to have collection account deleted because their reporting this account from a third party vendor and by law Equifax can not report an account from a third party vendor only the original creditor and haven't deleted it, they deleted the other 2 with the same problem.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This company equifax must remove the inquiries immediately. I didn't authorize these inquiries. XXXX XXXX XXXX XX/XX/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: Problem accessing account

I am a Client of BBVA Compass Bank. This bank was acquired by PNC Bank. 
PNC bank sent notice that the new portal will have all our accounts transferred on XXXX. 
Schedule - published XX/XX/XXXX - Friday XXXX - Online and mobile access not available XX/XX/XXXX - Tuesday Transfered to PNC Bank and start using PNC Bank . 

Unfortunately nothing happened. 

XX/XX/XXXX - onwards - No access to accounts online or thru app.. 
XX/XX/XXXX or XXXX have access to personal account called virtual wallet and another business account that is not much used. 

No access to my main accounts and funds.. or the bill pay for paying bills. 

phones didn't work. current branch in XXXX is overwhelmed by crowd a no one is having access. We were asked to come back XXXXFriday again went to bank and after waiting for an hour, they asked me to fill the form with all the bank accounts that i need access and they would then link them. - XXXX time 3-4 days No response or change - no response to calls. 
XX/XX/XXXX - No access and no response from bank XX/XX/XXXX - called again - Still no access to bank. This time they asked me again to give them the account details so they can link. 

MEANWHILE ALL NY PAYMENTS FROM BILL PAY ARE DELAYED AND I DONT HAVE ACCESS TO MY BUSINESS ACCOUNT FROM XXXX ONWARDS. 

Auto payments to bills worked fortunately. 

XX/XX/XXXX - ACCESS TO ACCOUNTS BUT NO BILL PAY DATA. 
Now they are telling me that i have to enter all the data again. I complained to the supervisor and they said the super visor will call me - No response since 2 days. 

Please help. 
I don't have access to the bill pay nor do i remember the 40 -50 accounts that i setup. nor do i have the time to enter it all again.. 

Absolute horrible service by the bank and holding us hostage by not giving us access to our funds.