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

In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent account.
Complaint sub-issue: Problem getting report or credit score

I tried to log into Equifax to view my credit report. I attempted to dispute items. I received an email from Equifax saying they had resolved the disputes. I tried to login to my equifax account. I could n't. I then called the number given to resolve disputes with Equifax to reset a password. XXXX. I got a woman named XXXX located in XXXX. I did record the phone call. This unknown person wanted my social security number which in these days of identify theft I do not want to disclose to anyone I do n't know. She kept asking for some unknown reason if I was called from XXXX or the United States. So clearly she had some information on me. I gave her my email which she said she did not have on file. She then wanted a credit card number which again I did not want to disclose. I think I am tired of companies like Equifax determining my interest rate on mortgages, loans, deciding whether or I can obtain a rental. I did inform XXXX that I was the recording the phone call, so this was not made without her knowledge or consent.The long and short of it is that XXXX and then her manager XXXX demanded personal information such as my social security number which I was not willing to give to somone I do n't know in XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, 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
Complaint sub-issue: Information belongs to someone else

A lot of inquirers that are not approved by me, I worked for a company that had a data breach and was told information was compromised. Asking to have these items deleted.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/19, I purchased flights using my Citibank Costco rewards credit card for {$3500.00}. After the flights were cancelled and I was unable to get a refund from the merchant XXXXXXXX, I disputed the charge. Citibank never contacted me to get additional information and closed the case in the vendor 's favor. On the XX/XX/XXXX statement, we paid the {$3500.00}. On XX/XX/XXXX statement, we were charged again the {$3500.00}, an error on Citi 's part. Therefore, Citi has charged me twice. Attempting to resolve this seems to be intentionally difficult. Moreover, the Department of Transportation ( Case # XXXX ) contacted XXXX to refund the money for the tickets which is in process. I have called at least XXXX separate times for an hour each to Citibank to address this situation which is abundantly clear that they made an error. Now, because of their reticence to remedy the situation, I will need to make the full payment to avoid interest charges. Truthfully, I believe that Citibank is intentionally attempting to keep the money and find their business practices unacceptable. I will effectively be out of pocket XXXX {$7000.00} until this is resolved.
Complaint sub-issue: Was not notified of investigation status or results

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, XXXX I sent a letter to Equifax to correct an account that they are reporting inaccurately, and it is effecting my ability to purchase a home. 
They have done nothing with the investigation. 

This account is closed and paid in full and they are reporting a payment status as " at least 120 days or more than four payments past due '' which is completely inaccurate considering they clearly show in the XXXX year history that XXXX XXXX XX/XX/XXXX there was all on time payments. This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Discover Personal Loans Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports 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 inquiries reporting on my Credit Report : EQUIFAX MORTGAGE SER Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ;
Complaint sub-issue: Debt is not mine

Collection company has reported an identical collection notice 3 times in 5 days. 
Please review the following : XXXX Credit Report and XXXX XXXX XXXX XXXX monitors your credit file and alerts you if new activity like credit inquiries, delinquencies, bankruptcies, and new loans are reported by the credit bureaus to ID Experts. 
Alerts Type Date Collections - ENHANCED RECOVERY CO L XXXX XXXX, XXXX ENHANCED RECOVERY CO L has flagged your account as Collections. 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CO L Payment Status Collections Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
UNPAID ( UNPAID ) - ENHANCED RECOVERY CORP XXXX XXXX, XXXX ENHANCED RECOVERY CORP has flagged your account as UNPAID ( UNPAID ). 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CORP Payment Status UNPAID ( UNPAID ) Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
Collections - ENHANCED RECOVERY CO XXXX XXXX XXXX, XXXX ENHANCED RECOVERY CO XXXX has flagged your account as Collections. 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CO XXXX Payment Status Collections Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
I want this company to remove these reports, I do not know what the {$130.00} charge is for and this is ruining my credit.
Complaint sub-issue: Talked to a third-party about your debt

I do not owe any debt, and the collection company does not allege that I owe a debt. This debt collection company contacted me looking for someone else, and in doing so, disclosed that the other person owes a debt.
Complaint sub-issue: Account information incorrect

Equifax investigation into a late payment on my account shows data unchanged its still late 30-59 days. I received a letter from the original creditor which states that they will be removing the late payment
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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  Bankruptcy XXXX ex XXXX XXXX Bankruptcy XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There are two closed accounts XXXX and XXXX on my credit report. I am not sure why if they are closed. The credit bureaus has said they VERIFIED the information and if so the XXXX account according to a XXXX rep was started in a state I dont even live in GEORGIA so Im not sure how it was verified as me. The XXXX account is closed and needs to be removed. I have sent off letters for VALIDATION ( XXXX XXXX info ) before and have sent more dispute letters today which should be received by THURSDAY this week. These closed accounts should be removed immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

I never received any information regarding my medical debts. I was able to dispute them successfully off my credit report. The creditor then changed names, and reported the same debts multiple times. I have disputed the same debts multiple times and have had this same issue every time I successfully dispute the debts. Every time the creditor changes names, they act as if the debt is new, which starts the time in which the debt would fall off over again.
Complaint sub-issue: Cashing a check

I tried to deposit a check into my BBVA checking account. BBVA automatically stated the check was fraud and closed my checking account. I banked with them for years, I called them and told them to call the company to verify the check was legitimate and they would not contact them.
Complaint sub-issue: Cashing a check

I recieved a check in the mail, and I had asked the teller to please check to make sure the check was good before depositing into my account, I also asked him to deposit my workman 's comp check.. The teller stated that he would, I later got a notice that my account was closed due to fraud and that I would recieve my funds in the mail by Cashiers check still no check and its been over a year I had a little over {$200.00} left to be returned to me. My wife just had the same thing happen to Her same bank same issue this time it was close to {$2000.00} owed. They need to go after the fraudulent people and not the innocent customer. The banks name I US Bank XXXX XXXX  XXXX and XXXX XXXX. XXXX
Complaint sub-issue: Account status incorrect

Firstmark Services is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. As a financial institution, as defined under the Gramm Leach Bliley Act, Firstmark Services failed to perform their obligation to respect and protect my privacy. Firstmark Services failed to provide me an adequate opt out notice and Ive NEVER granted Firstmark Services any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Firstmark Services actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Firstmark Services breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Firstmark Services to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Firstmark Services is required to comply with this opt out notice upon receipt and comply with the follow
Complaint sub-issue: Account status

Equifax has inaccurate information and accounts that were closed out years ago causing my credit score to drop by XXXX points. 
the other XXXX agencies are accurate and Equifax refuses to fix anything. 
i have disputed with them and it only lowered the score even more. 
the accounts in question were closed with no delinquent payments owed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/20. I spoke with 3 representatives at equifax to dispute a bankruptcy and multiple inquiries on my account which ones were from duplicate companies that I kept receiving notifications. I spoke with XXXX, whe told me that they were not allowed to give their employee ID I asked to speak to someone over her and then she notified she can get me over to another department to request a removal and then transferred me to XXXX, employee Id XXXX is what she gave me. I explained the situation to her and she wasnt much help, I asked her if she was aware of section 609 of the fair credit reporting act that states that courts do not have jurisdiction over credit reporting agencies and they do not report to the credit bureaus. So I asked her how was this information reporting if the courts did not report it. She hung up on me. I spoke with another rep which I did not receive his name at about XXXX pacific time. I asked him about the duplicate inquiries in which he told me that there was nothing he could do to remove them and that I would have to call each company individually to inquire about them I asked again to speak with a supervisor he put me on hold and 10 minutes later the prompter told me to press 1 again. The process started all over again. It has been a huge hassle dealing with Equifax for they dont even investigate as they're suppose to and they allow whatever on your report to sit there and do nothing about it. I feel my rights have been violated and I have taken every step to dispute the matter so here I am filing this complaint. Equifax does not care about the laws that govern their agency.
Complaint sub-issue: Information belongs to someone else

I am seeing school on my report that I never attended XXXX Univerisity XXXX XXXX XXXX University
Complaint sub-issue: Personal information

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2016 Equifax XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : In accordance with Federal Civil Rights Law, demonstrate that the following material appears correctly on my credit reports. Request ample documentation, ( including but not limited to : date account opened, date closed, full accounting of account, address where bills were mailed to ) from this alleged creditor. If these items appear in error, I have a cause for action because my rights may have been abrogated and violated in that case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Acct # XXXX & Acct # XXXX ) Your quick response and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX ***********
Complaint sub-issue: Problem with personal statement of dispute

there is a bankruptcy reporting on my Equifax credit report, that does not belong to me
Complaint sub-issue: Having problems with customer service

Income driven repayment I was approved for because I 've worked for XXXX over XXXX years. My payment history and or loan amount needs to be updated because the amount reported is hindering my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

i recently pulled my credit report and XXXX XXXX has my personal information that i did not consent to. this is violating my rights of privacy and needs to be corrected
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

On XX/XX/2020 I contacted Citi-Bank about relief from making payments during these unprecedented economic times, a stock market crash and the XXXX XXXX Virus XXXX. Citi-Bank has refused to help me in any manner what so ever. 
My payments were due on XX/XX/2020 and XX/XX/2020. 
Please see Citi-Bank 's XX/XX/2020 attached response letter. 
This morning I was on Citi-Bank 's webpage and Citi-Bank is offering 2 months of no payments, waive late fees and no impact on Credit Card account. 
I need help with Citi-Bank please.
Complaint sub-issue: Personal information

There is a XXXX address connected to my credit report. I have never lived in XXXX. The address listed belonged to my ex wife who moved there well after we were divorced. She has also moved from that address. I do n't want any address that I have never lived at or been associated with to appear on my credit report. 
I live at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and have for 50 years. I have never lived or been to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Thank you, XXXX XXXX
Complaint sub-issue: Account status incorrect

Portfolio recovery has been paid and they agreed to remove collection trade line from all 3 reporting agencies. This has not been done.
Complaint sub-issue: Their investigation did not fix an error on your report

I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax did not make sure it was reporting 100 % correct. 

The Fair Credit Reporting Act states that everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I sent a letter to Equifax in XX/XX/2022 requesting them to remove this inaccurate information. They replied that these accounts were investigated and came back as verified, without stating who conducted the investigation, their process or how they were able to find that these accounts were valid when there's obvious inaccuracies showing on my report. 

As a consumer, I now request to know all the steps Equifax took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I also would like to be sent a copy of the following documentation that would need to be had to prove that these accounts are valid : The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance Who verified these accounts? ( Provide the department and Supervisor contact information ) How were these items verified? 
The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance
Complaint sub-issue: Didn't receive notice of right to dispute

What happened to me was that last year I bought my girlfriend a purse at XXXX. I was unaware that while purchasing the purse, it was done with a XXXX card. For months after I made the purchase, I had no clue that XXXX had opened up that card and made the purchase with it. It wasnt until I started to search for a home did i start to keep up with my credit and see all the unpaid payments I didnt make to this card that I didnt know existed. Its absolutely destroyed my credit and I havent been able to change it even though Ive paid the balance.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the FTC. On XXXX, Equifax, and XXXX they're reporting XXXX XXXX accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX XXXX That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, thank you.
Complaint sub-issue: Account information incorrect

Entry on report for " XXXX '' with a balance over {$2000.00}. This account was discharged through a chapter XXXX bankruptcy in 2019. I have provided all three bureaus the discharge paperwork and am also attaching it to this complaint with XXXX highlighted three times. There is a XXXX balance on this account yet it has been reporting as balance due for years. I have submitted disputes to the bureaus but because they don't read my correspondence and instead use computers, they aren't seeing what I'm saying and are auto-verifying. I can not get a mortgage while this erroneous balance exists on my report.