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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response to the written requests I sent. 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 creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXXBalance {$0.00} XXXX XXXX XXXXXXXX  {$18000.00} XXXX XXXX XXXXXXXXBalance {$0.00} XXXX-Balance {$0.00} XXXX XXXX XXXXBalance {$460.00} XXXX-Balance {$8300.00}
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX I am filing this complaint due to numerous things I found own my credit report that were passed the statute of limitations that negative accounts are allowed to stay on credit report, and accounts within accurate information being reported on my credit report that is harming my scores are just not accurate. 

I am requesting these accounts and hard inquiries be removed immediately. I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date XXXX : XX/XX/XXXX. These accounts are passed the statute of limitations which is 7 years a negative account can stay on your credit report based off Fair Credit Act. All of these accounts listed above are well passed the statute of limitation dates. Therefore, these accounts should have already been removed from all three-credit bureaus XXXX, XXXX, and Equifax. 

These accounts are report in accuracies on all three credit bureaus. I never opened an account with these companies, never signed an agreement to open an account with any of these accounts. 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 These inquiries were not authorized to appear on my credit report, I did not apply, nor did I sign any documentation for any credit with these companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a clear copy of my credit report. You will see all of the in accuracies highlighted in green on my credit report. You will see that they're not reporting with accuracy on all three credit bureaus. I have also attached my Georgia License, and clear copy of my social security card.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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: Problem during payment process

On XX/XX/XXXX I had a promotional balance end on my Citibank credit card. on XX/XX/XXXX I paid the minimum payment of {$350.00}. After I verified that the promotional rate had ended and that my balance had been moved to the standard purchase rate, I made a balance transfer of {$3100.00} with another card to pay off a portion of this balance that had just been moved to 18.99 %. This transfer cost {$120.00} and went through on XX/XX/XXXX. 
When I received my statement on XX/XX/XXXX I was upset because the transfer had gone to pay my flex loan, which was a 3 year loan that is a part of the balance on the credit card, at a rate of 10.99 %. I immediately called the company to straighten it out. Two weeks later I received a letter in the mail explaining how their payments are allocated, but what they described was not how they had applied my payment. I called the company again. This time I was told that I was in the right, and they would review it. After waiting some time I contacted the company on a chat feature they offered online. I explained my situation to which the bot I was dealing with sent back several nonsensical explanations which were of no use. Finally this evening I called again, as I had received a new statement which indicated that nothing was being done. Again I was told that the payment was not allocated properly, but that because it had already been processed on the flex loan there was no way to correct it. He said that it takes a couple of weeks to process when they move the balance to standard purchase, and I should have waited until I had gotten my statement before making the additional payment, although it is clear they were charging me interest during that time. He suggested that I take advantage of a balance transfer offer that I had on the card, and then use the money to pay back the higher interest portion of my balance. They still are charging me the 3 % fee on the roughly {$6500.00} transfer, over {$200.00}! I did agree to this transaction, as it seemed the only way to fix my problem. Prior to getting off of the phone the man said that he was happy that they could resolve my problem, to which I replied that they had solved my problem, that they had admittedly caused, completely at my expense, that the company had not stepped up to help me in any way, that what they had done was illegal, and that I was going to file a formal complaint. He seemed reluctant to let me go, but I don't believe he was in any position to offer me any help. I know this is small potatoes, but I estimate that it cost me a few hundred dollars in fees and interest, and the bank is profiting from it's own illegal action.
Complaint sub-issue: Their investigation did not fix an error on your report

Involved in my consumer report I notified the credit bureaus due to these inaccurate accounts on my consumer report to be removed, Due to these accounts I was not able to get a rental property because of that accounts on my consumer report that is not accurate, I request for those to be deleted I never received any information in the past due to their in reinvestigation they have not provided completed documentation information stated how did they validate accurate information and no one from any agency did not speak to me myself during the investigation as well. And also due to the data breach, my information has been stolen and sold to XXXX knows who I feel unsafe with these companies. Entrusted my information with I was not notified
Complaint sub-issue: Reporting company used your report improperly

As I looked on my report I noticed that my right to privacy has been violated. By Law XXXX XXXX Part XXXX - FAMILY EDUCATIONAL RIGHTS AND PRIVACY ; Student loans should be kept private from my report. You have violated my consumer rights and I would like a proper investigation. Please send me an ORIGINAL STATEMENT with my signature that gave you authorization to furnish these loans on my consumer report. 
XXXX XXXX XXXX # XXXX. Due to the furnishing of my private information I have been denied good faith in credit for goods and services. This is damaging and Im very disappointed in this credit reporting agency.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report.

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

Basically my personal information such as my credit history, account numbers and more importantly my social security number has been compromised. 
I have already set a credit freeze for any future credit cards that could be opened and I also have enrolled or will enroll on my enrollment date with equafax.
Complaint sub-issue: Account status incorrect

all 3 cr burs are coming up with wrong info on me, there are no public records of debt, medical debt the creditor did not ans insurance co inquiry and i am not paying it so these need to be corrected, apt complex notify them that the debt was paid,
Complaint sub-issue: Information belongs to someone else

I noticed someone applied for a credit card without my knowledge and authorization. Also some filled me for tax which I did not authorized. I believe someone stole my identity.
Complaint sub-issue: Deposits and withdrawals

I tried to complete online banking activities onXX/XX/2021 for my business checking account but access was denied. When I called the customer service department on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2021 I was advised that my account was under review? However, I was not provided with a detail reason as to why the account was under review. I have called several times to customer service, reached out to the bank branch manager and also emailed XXXX XXXX in the customer out reach department. No one at the bank is able to tell me why my account is under review. One customer rep did tell me that over XXXX accounts were under review with the bank but no additional info was provided. My contractor/independent workers checks have bounced. I have no access to my funds to run my business and play my employees/independent workers
Complaint sub-issue: Debt was result of identity theft

I'm a single Father and i attempted to finance a home for me and my family and i could not because of my credit. That inspired me to check my credit report and I saw a lot of fraudulent items I did not authorize.
Complaint sub-issue: Card opened as result of identity theft or fraud

On Saturday XX/XX/XXXX I found in my mailbox a credit card statement from Office Depot XXXX with some transactions done on XXXX XX/XX/XXXX with a total balance amount of {$650.00}. The trades were performed in the State of Nevada ; the first one was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX office # XXXX as an advance done in visa ATM for {$300.00} ( XXXX XXXX dollars ), some items in XXXX for {$100.00} ( XXXX XXXX dollars ), plus some fees for a total of {$41000.00} ( XXXX XXXX XXXX and XXXX XXXX cents  ). 
The second was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office # XXXX as an advance in Mastercard ATM for {$200.00} ( XXXX XXXX dollars ) and some items ( granola chewy XXXX, stack snack, wipe sensitive for {$32.00} ( XXXX XXXX dollars and XXXX XXXX cents ) plus some fees for XXXX ( XXXX dollars and XXXX XXXX cents ) for a total of {$240.00} ( XXXX XXXX XXXX dollars and XXXX cents ). 

I live in the state of Florida and on the date that the transactions were done I was in XXXX. 
The same day that I received the statement called Office Depot store customer service, explain that I don't have Office Depot credit card and the lady that answered told me that the card number didn't exist neither in my name nor in the name of my company as it is written in the credit card statement. She gave me a phone number to communicate with Business credit card Office Depot department to clear the situation. 
Today XXXX XX/XX/XXXX XXXX XXXX  east time, I had communication with them, they recorded the call and the lady told me that in XX/XX/XXXX, I did an application to get a Credit card, but I never received the card and really I never asked for it. Is more the card is a business card but is not there on the statement the complete name of my company. She requested the complete name of my company and the address to start an investigation. That could mean that she didn't have my information. 

In conclusion the statement is a fake notice, I never had a credit card from Office Depot store, I live in Florida and there is not any possibility that I could have done the transactions made in XXXX XX/XX/XXXX in the State of Nevada. I hope you can help to resolve this problem. 

Thank you in advance for your time and consideration NOTE : Please see statement attached
Complaint sub-issue: Account status

I have XXXX accounts that have been closed from signal XXXX XXXX XXXX XXXX that are over 10 years old. At this point these accounts needs to be deleted from my credit profile but the credit reporting agency have refused to remove them.
Complaint sub-issue: Information belongs to someone else

U S DEPT OF EDXXXX continues to update CRAs with information not on MPN and doesn't reflect school dates.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. You must remove/block any account 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 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
Complaint sub-issue: Problem using a debit or ATM card

Hello, I need to open a dispute for 4 transactions made with my debit card ending in XXXX. The seller never sent the items and also never gave any tracking number or delivery information. 
I tried to reach them several times by phone calls and emails without success. 

Transaction 1 : XX/XX/XXXX, XXXX. It was a XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 2 : XX/XX/XXXX, XXXX. It was a XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 3 : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 4 : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX. Must be delivered on XX/XX/XXXX Until now I dont have the products, and also dont have any solution from the merchant.
Complaint sub-issue: Their investigation did not fix an error on your report

I have two inaccurate XXXX accounts on my credit report that are destroying my credit score. Both of those accounts are not mine and should be deleted immediately from my report. 

I have sent multiple letters to all three credit bureaus and they refuse to delete both of those accounts.
Complaint sub-issue: Account status

I recently paid off my automotive account off through my credit union ( XXXX ) on XX/XX/2017, you conducted this transaction from my account ... my question is XXXX credit reports, " account closed between XX/XX/2017 and XX/XX/2017, your XXXX automotive accounts appears to have been closed. '' My issue is the account was n't just closed, but paid off, which gives me a negative rating. Please can you kindly look into this matter? Thanks! My contact number is XXXX.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus Letter last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX  ; T XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX .... XXXX : {$640.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$730.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

My husband and I submitted investigation requests to Equifax and XXXX XXXX on XX/XX/XXXX. More than 30 days have past, and we have yet to receive responses.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX violated my rights on XXXX X 2 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 THESE ACCOUNTS VIOLATED MY RIGHTS AS WELL ACCOUNT # XXXX XXXX XXXXXXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX  XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Found out that I was a victim of identity theft back in XX/XX/2019 Started trying to get items removed from all three bureaus, with no luck. Went and set up an account at identitytheft.gov and went through all necessary steps. Items were deleted, and now are showing back up, according to XXXX, as being " verified. '' They will not share with me the correspondence showing this or what they received. Site stated the next step was to file a complaint against the bureaus.
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Date of Birth : XX/XX/1982 Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX  XXXX - # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.
Complaint sub-issue: Account status incorrect

I am a cosigner on two of my daughters XXXX XXXX Accounts XXXX and XXXX. 
On XXXX at XXXX XXXX I received a call from XXXX XXXX regarding my daughters accounts and that she was applying for a new repayment plan. The call was to determine if I could make her payments based on my retirement income and expenses. After a long conversation and based on information I provided it was determined I could not and that my daughter would be granted a reduced payment for both accounts. 
I was also told if she made three consecutive payments there would be no reporting of late payments to the reporting agencies. All reporting would be put on hold until one of the three payments was missed. They have not been missed and the third payment will be made in the next 3 days. 
A couple of weeks later I received a notice that the account was late and would be reported. I contacted my daughter and she called XXXX and was told there would not be any reporting as long as she made the 3 consecutive payments. 
I called on XXXX at XXXX XXXX and was told not to worry there would be no reporting of the account being delinquent if the payments were made as agreed. 
I called again on XXXX at XXXX XXXX  and again was told the same thing. 
I received a notice from XXXX on XXXX informing me that the account ending in XXXX was 61 days late and my FICO score dropped XXXX points. 
I called XXXX XXXX and spoke with XXXX XXXX, ID XXXX, and she checked told me I had to send a letter to XXXX. I said I would not because this was their mistake and they had 24 hours to correct it. She agreed it was XXXX 's error. After speaking to her Supervisor she told me they were forwarding my issue to their management team for action. As of XXXX the reporting to XXXX   has not been corrected. 
They have basically destroyed my credit rating because of their error and they breached the contract they created with my daughter and myself and need to be held accountable.