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

I have a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX Equifax, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Complaint sub-issue: Investigation took too long

I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately as well as balances and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. Today XXXX/XXXX/2015 we have tried requesting verification procedures from the XXXX bureaus. Please help. We have attached supporting documents. 

ATTACHED TO THIS COMPLAINT IS 1. CERTIFIED RECEIPT EQUIFAX RECEIVED OUR LETTER 2. LETTER WE SENT EQUIFAX 3. SUPPORTING DOCUMENTS FROM THE CREDITOR AND COLLECTION AGENCY. 

Account # 's in questionXXXX XXXX The balance is completely inaccurate. See the high credit and current balance. This vehicle was liquidated at auction and there is not past due amount. Their address is also not listed on my credit report. Please remove for it 's FCRA violations. 

XXXX XXXX XXXXI do not have a financial obligation with this company ; please delete this reference on all credit reports. See attached documentThank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Companies- XXXX/XXXX/Equifax. Account. Public Record. Since XX/XX/2009 These companies are reporting this Bankruptcy on my Credit report and have no proof of reinvestigating my dispute and on top of that saying that the Bankruptcy courts are reporting to the 3 major bureaus which they Do Not. Please reinvestigate these 3 Bureaus very thoroughly to make sure they are investigating properly and sending out actual facts instead of going by a 3rd party company that sends out inaccurate information. Please remove this negative item from my credit report as soon as  possible. 
Thank you
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I've never done any business with this company. I never signed a contract with this company. No one has any permission from me saying that I agreed to do any business with them either. Therefore, I want this item deleted from my credit report immediately. 

Thank you,
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing an inaccurate late payment with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 and again on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. I still have absolutely nothing from any of the bureaus ; No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Account status

A XXXX XXXX acc. closed in 1997 is still on my report. Untill I closed it due to divorce it was always paid on time.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX  , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  , ohXXXX. 
Please remove the following numbers : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX has been Over 60 days later I still have not been removed
Complaint sub-issue: Problem lowering your monthly payments

My account right now is in deferment. I have been making payments and I noticed my overall amount I owe has gone up. I looked into it and saw they upped my interest rate to 10 % on my lower loan. I had no idea. My loans are in deferment because I 'm currently in school and they increase my interest rates during this process. These rates are so high I will never be able to afford these and they did all this as my loans were in deferment, making all the money I have been putting down completely pointless. They are trying to make this impossible for me to ever pay back. They can not increase my interest rates whenever they like to such high amounts that I cant even afford anymore.
Complaint sub-issue: Account status incorrect

Equifax should not be reporting a collection/charge off in the amount of {$210.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX and this company has long since gone out of business. I was never late on this account and this account had no balance due. I never received any correspondence from XXXX that this account was in jeopardy and only became aware that this account was erroneously placed in collection was when I obtained a most recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Deposits and withdrawals

Citibank , N.A . failed to safeguard my funds in my Savings Plus account. My account was hacked on XX/XX/21 ( probably onXX/XX/21 ) as I was able to see the unauthorized ACH debit posted to an unknown account/person in the amount of {$19000.00}. 
I was shocked and immediately tried to report the fraud to Citibank and was sent to XXXX representative XXXX ID # : XXXX and explained what I saw and asked to report this as fraud/hacking. After several transfers and was unable to hear clearly I asked for a US representative in the Fraud department. I was told these funds were completely gone and the ACH transferred without any red flag alert, security check or confirmation that this large transfer was never my habit in 39 years banking with Citibank. They said they did not transfer money in increments but in less than overnight-they fully completed this fraudulent transaction. I was asked if I wanted to dispute and then assigned CASE ID # : XXXX. 
It has been my clear pattern and habit to transfer any funds from savings into checking before executing an ACH Debit. They said all that was needed to execute this fraud was my name, routing number and account number. This was very alarming, but they did not seem to want to expedite this matter until I asked to speak to a supervisor. Supervisor XXXX ID # : XXXX then expedited this to Citibank 's PECS Department which is internal, back office and I am not able to contact them directly. I have still not been given provisional credit or return of my funds and they only will say their investigation is " ongoing '' while I can not use my funds which I need now very much.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Please see the attached document, entitled, XXXX XXXX Breach. This letter is a very detailed documentation of my victimization and whereby, funds were stolen from my XXXX XXXX Debit Card and although I reported timely, XXXX XXXX denied my claim and refused to reimburse the more than {$700.00} taken from me through the unauthorized use of my debit card. 

This letter was sent to Ms. XXXX XXXX, Senior Vice President with Comerica Bank, more than 2 months ago. I faxed this letter directly to her office and subsequent to my fax, followed-up with a phone call to Ms.XXXX   's personal assistant who advised me that all 5 pages of my fax had been received and she was placing them on Ms. XXXX 's desk. 

I've called to speak with Ms. XXXX no fewer than five ( 5 ) times since having sent the fax. She's never returned a phone call, e-mail, or in anyway has she acknowledged receipt of my documentation, nor acknowledged the egregious behavior of XXXX XXXX.
Complaint sub-issue: Personal information incorrect

I set up an account for my wife with myEquifax to get a free credit report, I made the mistake of enter my own social security number instead of my wife 's. We have contacted them no less than 10 times to fix this. Everytime we log in it is still pulling my report even though they say it shows her social security number. If I hit the personal information tab it shows my social security number not hers. It is unacceptable that the government allows these companies this much power with our personal information without holding them accountable.
Complaint sub-issue: Account status incorrect

I contacted credit bureaus and continue to get send proof of address and identification. That I did the credit bureau is not removing information from a collection agency XXXX XXXX is reporting XXXX  days late on a collection account its not legal because I have never had an account with them. Another collection company is reporting to the credit bureaus and I havent had an account with them. I gave proof that they are also not legally to conduct business in my state.
Complaint sub-issue: Transaction was not authorized

I'm a victim of a silly scam that could have been avoided.
Complaint sub-issue: Confusing or misleading advertising about the credit card

At XXXX on XX/XX/21 I received a call regarding a discover card. I do not have a discover card or want one. I have had this call multiple times per day. I told them I am on the XXXX do not call list but they keep calling.
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 confidentially under 15 USC 1681. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Public record information inaccurate

I HAVE ATTEMPTED TO CALL SAGESTREAM CREDIT REPORTING COMPANY FOR 2 DAYS, AND IT GOES DIRECTY TO VOICE MAIL WHEN YOU ENTER OPTION 1. I XXXX THE COMPANY AND ITS ON " RIP OFF '' WEBSITE, THEREFORE I AM NOT SENDING REQUIRED INFORMATION TO THE COMPANY AND NEED TO SPEAK WITH SOMEONE ABOUT AN ERROR ON THE REPORT THEY HAVE. I ALSO XXXX  THAT THEY HAVE LESS THAN 25 EMPLOYEES?? HOW COULD THAT BE WHEN THEY PROVIDE REPORTS FOR DIFFERENT COMPANIES ALL OVER THE COUNTRY. THEY HAVE 89 COMPLAINTS SENT TO THE XXXX  IN CALIFORNIA. WHEN YOU CALL THERE IS NO OPTION TO WAIT FOR THE NEXT REPRESENTATIVE. I HAVE A VERY BUSY SCHEDULE AND DONT WANT TO BE CALLED BACK AT THEIR CONVIENCE, I NEED TO CALL THEM AT MY CONVIENCE DURING THEIR BUSINESS HOURS. I WANT THE CFPB TO CALL THE NUMBER OF THE BUSINESS AND THE ATTORNEY GENERAL OF CALIFORNIA AND SEE IF THEY CAN TALK TO A REPRESENTATIVE. IF THE COMPANY CAN NOT STAFF THE PHONES PROPERLY, THEY SHOULD NOT BE LICENSED TO BE A CREDIT REPORTING AGENCY THAT CUSTOMERS NEED TO CONTACT. OR ATLEAST ADD THE OPTION FOR THE CUSTOMER TO WAIT ON NEXT REPRESENTATIVE. IM SURE NUMEROUS CUSTOMER CALL AND WOULD LIKE THE PROBLEM RESOLVED ON FIRST CONTACT.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Complaint sub-issue: Reporting company used your report improperly

Equifax reported a XXXX XXXX account, XXXX account and a XXXX XXXX account ( sold to XXXX XXXX XXXX ). Equifax did not have my written consent to do so and violated federal law pursuant 15 U.S.C 1681B ( 2 ). They also shared or sold my personal information to XXXXXXXX XXXX XXXX without my written consent, which under the CFPB is identity theft and a violation of my privacy.
Complaint sub-issue: Debt is not mine

When running my credit report to refinance our home it showed I had a bill to XXXX I owed in 2010 that was never paid. I never signed up for service or gave them consent for service and now this is affecting my credit.
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX, an ACH Electronic Debit of XXXX from our Citibank checking account was sent to XXXX XXXX  for a new account opening. The XXXX was received successfully to fund my new checking account at XXXX. Due to the inactivity of the XXXX Checking Account, the XXXX was returned to Citibank on XX/XX/XXXX. Because of inactivity, XXXX Closed the Checking Account on XXXX XXXX XXXX 

We called the XXXX customer representatives hotline to inquire about XXXX as it was never credited back to our Citibank checking where the transaction was initiated. After passing around for 2 months of calls over the phone, we decided to get help from a local XXXX branch assistance. After many months with the help of the local XXXX Branch Manager chasing down the external/internal ACH Trace # of the transaction returning the XXXX back to Citibank, Citibank was not able to track down the XXXX. 

We got a notice from Citibank around XX/XX/XXXX they were shutting down all our accounts ( no reason given ) on XXXX XXXX XXXX We already sent a complaint email to our Citibank account representatives on Wednesday, XX/XX/XXXX, stating our XXXX was still not credited back to our active checking account at that point. 

Our Citibank Accounts were shut down on XX/XX/XXXX. We continue to work with XXXX 's local branch manager and Citibank 's local branch manager to help in tracking down our missing XXXX. 

Finally, with escalations on XXXX, on XX/XX/XXXX, the money was traced to be residing with XXXX ( Capacity as the Third Party Service Provider of ODFI ACH Operator for XXXX ). A letter was issued by XXXX to have Citibank ACH Department recall this transaction of XXXX and credit it back to Citibank 's Account. 

However, with our Citibank checking closed on XX/XX/XXXX, Citibank stated they can't get the money from XXXX and issue a XXXX check. We can't go to XXXX directly to get our money as we are not a customer of XXXX. Our Checking account at XXXX is also closed.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax,XX/XX/XXXX and XX/XX/XXXXCRAS. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX andXX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 4th NOW TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor have they EVER responded within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing, after SEVEN MONTHS of disputing! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Investigation took more than 30 days

I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Complaint sub-issue: Public record information inaccurate

XX/XX/2020, XX/XX/2020 sent letters to all 3 credit bureaus about the chapter XXXX bankruptcy filing
Complaint sub-issue: Problem using a debit or ATM card

I have attempted for too long to get this matter figured out with the bank. They have played games and having been dragging this along for years now. I began my dispute on unauthorized fraudulent transactions immediately after they began. This bank has done nothing but continue to allow fraud.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and U.S. Bankruptcy Court 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 an account without written instructions