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

I just pulled my credit report, and discovered that a late payment was reported on XX/XX/2018 for my account # XXXX. 

Due to various circumstances at the time I fear that I would be unable to make my upcoming payments on time, because of this I applied to put the loan on forbearance which I was approved for. I was instructed that I would be debited a portion of the payment to activate it but apparently the payment was never received according to what a rep told me over the phone which is why the loan was not put on forbearance and why I have this late payment. They charged the wrong bank account! I did everything I was suppose to this is completely their fall and they wont take responsibility for it!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}, XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$2000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} 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: Problem with personal statement of dispute

I got divorced and a bank kept me on the loan for my ex-wifes house, even though the divorce attorney said I am not responsible for this loan any more. She was in a transaction of selling her house and in the process was late on payment, while she waited for the transaction to close. So all 3 credit reports of mine showed up as I paid a mortgage late. My divorce papers show Im not responsible, and the home is paid off and sold now, yet my credit score has dropped considerably, by one late payment while the selling of this home was happening. I need help.
Complaint sub-issue: Information belongs to someone else

Several years ago my ex who is currently XXXX XXXX for this used my ID to get a car and he had wrecks and everything in the car. He got tickets and everything because we look alike and he had my ID, he could pass for me basically. He was XXXX for using my identity and XXXX and XXXX XXXX XXXX  where he is in XXXX  today. 

This got it reported to LexisNexis under my name. I got most of the stuff cleared up as you can see by the attached document but LexisNexis states that two claims reported by XXXX were verified. However after I sent XXXX the proof they quickly responded and deleted the claims from name in their system. The weird part though is that they state that while they deleted it from their system they could not delete it from LexisNexis report because they don't have a montly reporting cycle in place. 

After contacting LexisNexis by phone they explained that this was true. I have no clue why that is nor do I care. However the law states that if it is an invalid account it must be deleted from the credit file and LexisNexis last time I checked compiles consumer reports.
Complaint sub-issue: Their investigation did not fix an error on your report

Loan Number XXXX XXXX XXXX XXXX from XXXX Private Loan Trust I called XXXX several times to fix what is reported on my XXXX  and XXXX report however I have seen no results. I've made 8 consecutive payments and my account is in good standing with XXXX however, this is not reflected on my credit report.
Complaint sub-issue: Information belongs to someone else

I have previously submitted information to all credit bureaus including police reports, and identity theft affidavits. Due to being a victim of identity theft, several inquiries were made on my credit report that I did not authorize and are fraudulent. 

XXXX Sunday, XX/XX/XXXX XXXX  Friday, XX/XX/XXXX XXXX-XXXX Friday, XX/XX/XXXX XXXX Wednesday, XX/XX/XXXX XXXX Card Tuesday, XX/XX/XXXX XXXX Card Thursday, XX/XX/XXXX XXXX XXXX  Wednesday, XX/XX/XXXX XXXX XXXX  Thursday, XX/XX/XXXX XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX-XXXX  Tuesday, XX/XX/XXXX XXXX XXXX  Sunday, XX/XX/XXXX XXXX XXXX Friday, XX/XX/XXXX XXXX XXXX  Saturday, XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I submitted an identity theft report from the federal trade commission FTC Report number XXXX to Equfiax as I have been a victim of fraud and identity theft. I added all the fraudulent accounts in my request and nothing has been done. I did not open any of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. 

Equifax is in violation of the Fair Credit Reporting ACT also called XXXX since i been a victim of identity theft and have submitted all the proper documents and they have not removed these fraudulent accounts within 4 business days as the law states. 

I have provided more than enough evidence to support my claim This is my third request.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 XXXX 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 us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update/correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX : {$3500.00}
Complaint sub-issue: Account status incorrect

My partner XXXX XXXX and I bought a Car from Carmax in early XXXX ; we paid our monthly payments almost always on time until we were hit by financial fraud and crime. We called Carmax and made a arrangement to pay at a later date than usual. Carmax agreed. Instead in the wee hours of the morning, the day after the phone call to Carmax they came and repossessed the car, taking at least {$10000.00} or more of our belongings as our car was full to the top with valuables. Along with this, went all our paperwork on the car loan. When they took our car we had paid almost 50 % on the value of the car which was {$10000.00} when we got it in XXXX. 

Thereafter since XX/XX/XXXX when Carmax reposed the car, they are claiming we owe the full value of the car. Now how do we owe the full value of the car when they repossessed it after we had paid almost 50 % of the car loan? And how do we owe anything after Carmax stole all our belongs in the car? Im confident they sold the car for more than we paid for it, and we already had a complaint into them because we had to pay to have the head gasket replaced within the first year we bought the car.This cost {$600.00}. 

Carmax is a corrupt fraudulent company!
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/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 Inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XX/XX/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
Complaint sub-issue: Company closed your account

On XX/XX/XXXX, I was informed by Citibank that they closed my credit card account. I have always been an excellent Citibank customer since XXXX when I opened this account and I have always paid my account on time. When Citibank closed my account, it hurt my credit score because there is a significant balance on this account. I am very aware that as much as 30 % of my credit score is  based on the relationship between my credit card balance and my credit card limit. The action of Citibank closing this account caused me to be significantly over my credit limit, because there is no longer a credit limit reported on this closed account. 

This is very upsetting to me because during this difficult time with Covid-19, I am trying to secure financing for my business and the action by Citibank in closing my account hurt my credit score and is hurting my ability to receive the financing that I need to sustain my business in this most difficult time. 

During my phone conversation with Citibank on XX/XX/XXXX, they informed me that the reason they closed my account was because they attempted to draft my checking account for the minimum payment due on XX/XX/XXXX and XX/XX/XXXX but were unsuccessful. Once I learned of this error, I called Citibank and cleared up the problem. Again, I have never been late. 

I really don't understand why Citibank would do this to me during such a difficult time as Covid-19 when I am trying to keep all my bills current and keep all of my employees on payroll.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX BANK DELAWARE XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the amounts of XXXX XXXX/ XXXX XXXX/ and XXXX from Equifax and three amounts of XXXX. I requested both agencies to Validate this debt as I have no clue what these amounts are for. I sent letters to all involved - not one response PDQ -XXXX I sent letters twice both came back undeliverable.This is how I know validation was n't done If so you would have provided proof of this debt.I am being hurt financially and mentally because of your inaccurate reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

KIKOFF LENDING LLC is currently showing XXXX  days late for the month of XX/XX/2021 in XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX IS STILL REPORTING THIS ACCOUNT TO MY EQUIFAX REPORT WITH OUT VERIFYING THIS ACCOUNT WITH PROPER AND SIGNED DOCUMENTATIONS BE AWARE THIS COMPANY IS TRICKY AND TRY TO COLLECT MOENY YOU DONY OWN THEM
Complaint sub-issue: Debt was result of identity theft

A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed a Macys account was opened fraudulently on XX/XX/XXXX, I disputed this account with Macys directly and it was closed by them on XX/XX/XXXX. On Thursday XX/XX/XXXX ( 4 years later ) I received a collection letter from XXXX XXXX, collection supervisor @ XXXX XXXX. Today, XX/XX/XXXX, I sent an email to XXXX ( email on the letter ) disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. Thank you!
Complaint sub-issue: Information is missing that should be on the report

XXXX and Equifax have my current address incorrect. The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX is a property that XXXX XXXX owns. 
My Address is XXXX XXXX XXXX XXXX XXXX Missouri XXXX. 
I have asked them to change this for several years and they ignore me.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/21, I opened a CitiBusiness Streamlined Checking account with the friendly assistance of XXXX XXXX  XXXX at the branch location specified below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX provided me with a brochure/ flyer ( please see attached ) specifying the terms of the Tiered bonus promotion. I opted to become eligible for the {$1000.00} bonus promotion by depositing a minimum deposit level of {$50000.00} and maintaining this level for 60 consecutive days. I deposited {$50000.00} and it posted onto my account on XX/XX/21 and I maintained this amount until XX/XX/21. 

The terms of the promotion state : " The Cash bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete all Offer requirements. '' According to the terms, I should have received my bonus promotion of {$1000.00} on XX/XX/21.
Complaint sub-issue: Information belongs to someone else

I went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, The XXXX XXXX XXXX XXXX, XXXX XXXX ( its two of those ), XXXX XXXX   and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not XXXX XXXX XXXX, XXXX , SC XXXXXXXX,XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX-XXXX,XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX XXXX and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/2018 {$4400.00} XXXX XXXX. Original Creditor XXXX XXXX XXXX. I gave 60 days notice that I wasn't renewing my lease. They stated they had to repair and clean stuff. The repairs should have been fixed when work orders were submitted. Exterminator said my apt was the cleanest one he serviced in whole complex. My deposit should've been returned. They just treat me like I'm lying about it. Other places can't believe the amount they fabricated.
Complaint sub-issue: Banking errors

I enrolled in Ally Bank Payback Time Promotion on XX/XX/XXXX. Opened a new CD account on XX/XX/XXXX then funded it will {$40000.00} new money on XX/XX/XXXX. Per Ally Bank promotion term, 1 % cash bonus will be deposited by XX/XX/XXXX. I contacted Ally Bank phone customer service representitive on XX/XX/XXXX and XX/XX/XXXX and received verbal confirmation of {$400.00} cash bonus each time. I also had an online chat with Ally Bank XXXX and received written confirmation stating that {$400.00} bonus will be paid on XX/XX/XXXX. However, seeing no deposit in my account on XX/XX/XXXX, I initiated another online chat but the Ally XXXX was in total denial of the bonus payment. All records are attached here.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I spoke with a representative of Equifax that submitted a dispute on my behalf regarding EQUIFAX MORTGAGE SOLUTIONS. The confirmation number that was provided is XXXX. As of XX/XX/XXXX, well past the 30 days allowed by the Fair Credit Reporting Act, I have not received a written response by physical mail or e-mail from them regarding the status of my dispute. 

On XX/XX/XXXX, I called Equifax, after reviewing my credit report, to have some additional inaccurate and/or outdated information removed from my file. I, first, spoke with XXXX. He assisted me with submitting a complaint to have incorrect addresses and employers from my file. He, also, assisted me with regaining access to my online account with their company and then we disconnected the call. After logging in, I went to review all of the disputes that I had opened. I noticed that they all had a resolution, some that I may not have agreed with ; however, one in particular didn't have a status update. I noticed that it was dated as submitted on XX/XX/XXXX. I'm instantly alarmed due to the fact that I'm sure they are aware of my rights as a consumer as the history of this company dates back to the 1800s. 

I called back to speak with someone about my new findings. I spoke with the representative, XXXX, around XXXX. After asking a few questions to ease my confusion, this representative began to argue with me in attempts to defend the reasoning of why this open dispute still reflects on my credit file 18 days after the allotted time that the FCRA provides credit reporting agencies. After about 5-7 minutes I asked for XXXX XXXX name and ID number for my own personal records. She gave me her name, but she questioned my reason for request of her ID number and declined to give it to me. I informed her that I would be submitting a complaint with the CFPB due to their negligence. She insisted on trying to provide me the phone number to contact Equifax 's dispute department. After my declining, XXXX decided to just silence her phone. I then placed her on hold to contact the Attorney General for additional assistance with this matter and she stayed on the line, in silence. I ended up ending the call with her at XXXX. According to XXXX XXXX argument, Equifax has more than 30 days to resolve disputes.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX, 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: Account status

I mailed a check for {$300.00} to XXXX XXXX Bank on XXXX/XXXX/2015. I forgot to sign thecheck. I never got a call from them. On XXXX XXXX after 3 weeks on vacation I find the check in my mailbox.The correspondence has no explanation just the check. I call XXXX and I am told everything is fine so I make a payment of {$350.00}. They credit me back late fees so I am thinking everything is fine. I check my credit report and find the account is delinquent late 107 days. No phone call or email. I am glad they are using technology. They charge me ridiculous interest and pocket the money and provide zero service. Its a {$900.00} credit card. Are they kidding me? How about a XXXX time exception and remove the deliquency and late fee from my credit report? They tell me they are obligated to report it to the credit agencys. Yes, this is my fault I did not sign the check and should have called them. I was out of the country and off the grid. This is the result. Now my credit is ruined my score is under XXXX. Is there anything you can do to help me? This is on all XXXX credit bureau reports .... EquifaxXXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The bureaus told me to contact Cfpb then they told me to call the FTC the FTC sent me back to see CFPB. I believe there to be a flaw in the system. I am in the process of buying a house so I have been watching my credit like a hawk I paid down {$3000.00} in debt on a credit card my score went up XXXX points the next month I put {$300.00} on a credit card and my score dropped XXXX points. Before you ask, There were no other changes to my credit just adding on the {$300.00} in credit. I do understand the credit to debt ratio and points going up and down based on it but now that Im paying off the {$300.00} on the credit card Ill bet you anything my score wont go up the same amount of points and. This is not fair to consumers and I wanted to make you aware because maybe its a major oversight that you guys always take more than you give even when its an even playing ground I did take screenshots to prove it was the only thing that changed on my credit there were no new increase there was no new credit there was no other credit utilization its because I put {$300.00} on my credit card when I pay it off I want my score to go back up to where it was! I would also like some explanation as to why adding {$300.00} of debt would affect my score so much its a very small percentage of my open lines of credit when paying off {$3000.00} had the same affect! I filed with the FTC who directed me back to you and I have a complete reference number of XXXX
Complaint sub-issue: Debt was result of identity theft

This is not my account UPGRADE INC account # XXXX with a balance of {$5000.00} I'm a victim of identity theft I never took out any loans with this company I never even heard of this company again this is not my account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Accounts # 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