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

i have an incorrect report on my credit bureau reports. XXXX XXXX XXXX is reporting a balance of {$5700.00} on a car that was charged off. I settled this with XXXX in XX/XX/ and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted XXXX ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE HELP!
Complaint sub-issue: Debt is not mine

Please help assist us, an apartment complex is collecting a debt client does not feel he owes. After further research client had electric in his name and was turned off. We have attached the supporting documents. The apartment complex states they do not own the debt as Hunter Warfield now owns.
Complaint sub-issue: Debt was result of identity theft

Procollect has continuously violated my consumer rights in more ways than one. I have Attached a Letter from the Apartment Complex stated the Debt is not owed. If the debt is not removed from the 3 Credit Bureaus I am filed a Civil Violation with the XXXX XXXX XXXX as well as my State Attorney Generals office for all Violations which entitles me to {$5000.00} per Violation. This is hereby notice to delete the account within the next 30 Days to avoid legal action. 

I will be suing for the following 1 ) Debt Not Owed 2 ) Defamation of Character & Damages to Credit Report 3 ) Procollect is not bonded is licensed to Collect in the State of Texas.

4 ) I do not have any business or contact with Procollect
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX has continued to report false late payments on my credit history. The vehicle was returned to XXXX XXXX in XXXX of 2019. This account was part of a bankruptcy case that was dropped and a Federal court issued a order for XXXX XXXX to close the account. 

The last late payment shown should have been in XXXX of 2019. The company has violated the FCRA by continuing to report false and unverifiable information. 

The vehicle that XXXX XXXX is claiming to be in my possession they have. Also, XXXX XXXX has failed to follow Georgia law and properly notify me of the sale of the vehicle. XXXX XXXX took possession of said vehicle in XXXX of 2019 and they have yet to make any changes to the balance. Nor have they notified me in writing of the sale of the vehicle. 

A late payment of 30 days is being reported for the month of XXXX. This is inaccurate. The payment in XXXX was only late by 14 days. THE FCRA clearly states that no entity shall falsify any information in a credit file. This is false information. If the XX/XX/2019 payment was only 14 days late, the month of XX/XX/2019 should not read 30 days late.
Complaint sub-issue: Account information incorrect

2 weeks ago I submitted a dispute through Equifax about XXXX XXXX XXXX XXXX. This company is reporting the same account, 3 seperate times on my credit reports! The 3 accounts reflect conflicting open dates, closed dates and amounts! As well as " last date of payment '' showing in XX/XX/XXXX. I've never owned a car ever for 5 years or have had the financial means to keep one that long. The car was voluntarily repossessed in XX/XX/XXXX, 2 months after getting the car the engine blew a Head! From XX/XX/XXXX to XX/XX/XXXX I drove a truck OTR and used relatives cars! In XX/XX/XXXX I got a car through XXXX XXXX, so it's easily understood I wouldn't be making 2 car payments! This creditor ( XXXX XXXX XXXX XXXX  ) has charged off the account years ago, and as my reports clearly show the convincing discrepancies, inconsistent reporting eras, and all factors that violate my rights, plus the length of reporting ... I can't see why Equifax keeps denying removal of these accounts!
Complaint sub-issue: Investigation took more than 30 days

I HAVE NOT GOTTING ANYTHING BACK AFTER TWO TIME
Complaint sub-issue: Other problem

Because of a return of merchandise purchased on my Home Depot consumer credit card, which is administered by Citibank, the account ended up having a negative balance ( credit ) in the amount exceeding {$1000.00}. 

I called Home Depot card customer service around XX/XX/2018 and requested that the balance be transferred to my checking account ( same account Home Depot card has on file that I use to pay my monthly balance ). I was told the credit will take a few business days. 

No funds have been transferred, and I called again today, XX/XX/2018, to inquire. I was then told that because the amount is over {$1000.00}, it might take up to 17 days for the transfer. 

Why is Home Depot card holding on to my cash for so long? 

When it comes to paying my monthly balance, regardless of the amount, my payment usually credits to my account within a couple days. When it comes to the reversed transaction, the company is dragging their feet to maximize the time they are in possession of my cash.
Complaint sub-issue: Information is missing that should be on the report

Equifax is reporting a medical bill for {$57.00} Account XXXX XXXX with no Collection or Original Creditor Name with no address or phone number as to where to call about the collection charge. I can not confirm or deny this charge without contacting the company who is reporting it and therefore this Inaccuracy should be removed or updated correctly asap with the Complete Collection Company Account information. Equifax is the only one reporting this and it is hurting my credit rating. I have submitted two letters requesting validation and proof of method of verification to Equifax on this account on XX/XX/2021 and XX/XX/2021. I have attached the letters for your reference. I have also included a copy of my credit report that shows the collection listed.
Complaint sub-issue: Debt is not yours

I keep getting calls from a company that identified themselves as D2 Management. They are a debt collection company and said that they are located in XXXX South Carolina. They are calling for someone named XXXX. They are calling my work cell that I have had for over 9 months. I do not know anyone named XXXX. 
I have repeatedly told them that the number does not belong to XXXX and the debt is not mine, yet they call anyway. The last call came from XXXX on XX/XX/20 at XXXX PM but I have gotten dozens of calls for months.
Complaint sub-issue: Unable to open an account

I graduated high school in 2012, and I was in search for a job. I found a summer job on XXXX before, and worked there for quite some time. ( XXXX XXXX XXXX XXXX ) I figured I could find another job in addition to my current job on XXXX again. I was contacted by a family on XXXX who had a child who was wheel-chair bound. I corresponded with the family for a few days in regards to employment as a nanny for the family. I was told that they were moving from another state, to the current state I am in. They needed help with the child while moving. The family told me they bought a new wheel chair for the child and needed it to be picked up and already home by the time they got in. The story the family told me made sense, and are the regular duties a family would ask a nanny. Once I received the check, which was sent over-night, I was instructed to cash it, then send the money to the child 's wheel chair makers for payment, and delivery of the chair. I had an account with PNC bank. I had a particular bank I would always go to. PNC Bank XXXX XXXX XXXX, Ga XXXX. Before I cashed the check, I went to PNC, and asked a teller I was familiar with about the check I received from the family. I told the teller the back story, and asked if he could determine if it was a fraud check or not. He instructed me that a determination of a fraudulent could not be made by looking at it. The only way I would know is if I placed the check in my account, and the money from the sender did not cover the amount on written on the check. 

I contacted by the family again with arrival dates and times. I figured it was legit because I we set up a meeting place, etc. I can not recall the exact amount the check was for, but it was less then 5,000. The next day I went back to the PNC to cash the check. The check cleared a few days later, and a few more days later I was contacted by PNC that my account was shut down because of fraudulent activity. I called and explained to PNC that I had no idea, and that I'm a nanny that was looking for a job. I was told by the fraud department that it was a man named XXXX XXXX. The check was written from a closed account. I was told I had to pay the money back that my account went negative for. I told them the money went to another account via XXXX XXXX XXXX. ( The wheel chair makers account ) I am now XXXX, and this still haunts me. I can not open a personal bank account due to a scammer. I was young and XXXX, but also a target, because the scammers constructed a plan based on my resume on XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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: Can't use card to make purchases

Citi credit card approved me with a {$1000.00} credit limit. I received letters and emails congratulating me on being approved and welcoming me to the Citi thank you card.

When I received the cards in the mail ( one for me and one authorized user ) I called the number on card to activate as instructed.

Citi employees said they could not activate my cards. Said they needed to send me a text with a code to verify, then said that their system would not allow them to send text???

I called 5 different times and got the same ridiculous answers. I did try to activate online but Citi website did not function properly but I was able to set up online account access with Citi mobile app!!!

I am frustrated with Citi. I instructed their representatives to close my account since they could not activate. They said that they could not close my account as I requested???

So, I have a credit card issued by Citi with {$1000.00} credit limit, can not use card because they say that they can not activate it, and they refuse to close my account as I requested!?!?!?

Citi is not a reputable company and I believe has committed fraud.
Complaint sub-issue: Information belongs to someone else

These accounts are not mine. Also, there is an address in which I have never lived there.
Complaint sub-issue: Their investigation did not fix an error on your report

Date of service was XXXX Billed on XXXX XXXX, XXXX Called Equifax, XXXX XXXX XXXX and the medical office on the dates below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other dates that I did not document on paper before XXXX after I got the bill on XXXX XXXX, XXXX. 

{$330.00} I have called, disputed and sent proof statement of amount as paid to Equifax because the original credit reporting agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX so many times to show Equifax the account as paid but they say they no longer have an account with me. Equifax has placed re-investigation with the XXXX XXXX XXXX account every time I disputed them, it 's still being reported to Equifax as owed when it should have showed as paid, closed and removed by XXXX XXXX XXXX. Every time I get a report back from Equifax they say XXXX XXXX XXXX reported the information as correct. I would call XXXX XXXX XXXX once again and they would answer every time I call them that I do not have an account with them anymore and to call the hospital who took the bill back. I call the hospital every time after I talk to XXXX XXXX XXXX, the hospital reported it as paid in full and account is closed. The bill was paid by my medical insurance.
Complaint sub-issue: Investigation took more than 30 days

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Complaint sub-issue: Their investigation did not fix an error on your report

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX 


MY ADDRESS IS 

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 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Complaint sub-issue: Debt is not yours

I had a hospital bill and insurance wasnt correctly applied. I called before it ever got sent to a debt collector and the lady told me that after she added the insurance everything was good. Now I am getting calls from debt collector so Im guessing she didnt do what she told me she did.
Complaint sub-issue: Their investigation did not fix an error on your report

I obtained a copy of my credit report from Equifax. There 's a XXXX XXXX XXXX Court items listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the XXXX Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the XXXX attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked Equifax to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all XXXX information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Complaint sub-issue: Information is not mine

My credit report is a mixed file and contains information of a family member with the same/similar name. The information that is incorrect includes addresses, employment information and credit accounts.
Complaint sub-issue: Information belongs to someone else

cra violation XXXX has totally let the breach destroy my credit again 4th time conns, XXXX never late, XXXX not mine, and XXXX XXXX not mine id theft sent po report sent
Complaint sub-issue: Can't close your account

I recently got out of an abusive, controlling relationship and I am on SSI due to having a XXXX and no income. My Ex had added me to his KeyBank checking account ( I believe it was in XX/XX/2019 ), without my advocate/payee present. Due to a XXXX XXXX, I am unable to read, write and communicate without difficulty or having my advocate 's assistance. I had trusted my Ex at that time and believed we would be together forever and he would take care of me. I did not ask the bank to read all their terms to me, as I have a XXXX XXXX causing a great deal of difficulty understand and require my advocate to explain in simple translations. On XX/XX/2019, I ended the relationship ( for good ) he already controlled everything of mine, including all the papers from the bank and the debit card the bank sent me, it was all in his possession when he left. Today, XX/XX/2019, I sent him a text, asking him if he would please take my name off of his account and he refuses to communicate with me. I do not know his email address or any other way to contact him. Next, I went to the bank 's website and chatted with the bank 's online support. They insisted the ONLY way to have my name removed would be for " him '' to agree and both go into the bank, together, and sit down with a banker to remove my name. Next, I called the bank 's main number for customer support and they said I could remove my name from his checking account, however after explaining they told me different during the online chat, the rep. actually called our local branch office for clarification. The Branch Office told her I needed my Ex to agree to take me off his checking account, if he did not agree, I could not remove myself from his account!! They also said that I had signed and agreed to those terms. I have contacted my payee/advocate and have been told me I would lose my SSI,  because Social Security will include the income on all accounts with my name and he makes over my limit!! He also knows I will lose my income, because my advocate told him so. Also, the bank tells me he can restrict me from all access to this account if he so chooses!! I am being held prisoner to this account and him and I will soon lose my only income from SSI ... I will be homeless!!
Complaint sub-issue: Information belongs to someone else

Negative items showing on my reports. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fed loan servicingXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hello I have requested the bureaus provide me with proof that these are mine because they are not and they have yet to respond so I am moving forward with filing a complaint with the CFPB and if I am still ignored I will pursue legal action. I was a victim of identity theft I filed a police report with XXXX XXXX police dept back in 2015 which I am requesting a copy of this report from the police station. These accounts, addresses and inquiries are NOT MINE.
Complaint sub-issue: Their investigation did not fix an error on your report

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you. XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

In XXXX of XXXX I disputed many items on my credit report. I had no idea of how that action would negatively affect applying for a mortgage. In XXXX of XXXX, I contacted all the credit card agencies and had the dispute comments removed. I even have copies from XXXX and XXXX that the disputes have been removed from Equifax, XXXX and XXXX. 
The disputes showed up again as unresolved two days ago in my credit reports. I was told by Equifax and the others the only way to get rid of these, was to open up a dispute. This is crazy. 
My XXXX account was XXXX. Received a letter in XXXX stating disputes were removed and resolved. They had shown up as being resolved ansd disputes removed up until 2 days ago!! 
My XXXX card ending in XXXX had the dispute removed and resolved in XXXX. It was removed in all of the credit reports. I have a letter from XXXX showing disputes removed and resolved. Now they are showing up again as open disputes on my credit reports. 
Also my other XXXX card that has been closed for many years is showing up as an open dispute. Please help. This is holding up my mortgage loan. 

Thank you. XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

have multiple Hard Inquiries that I did not authorize. The company of the inquires and dates are listed as such : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX Have 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 States A Consumer Reporting Agency Can Not Furnish A Account Without My Written Instructions.
Complaint sub-issue: Deposits and withdrawals

Sallie Mae Bank personnel can not give a consistent answer about whether or not funds wired via XXXX to SallieMae Bank from a domestic U.S. bank will be subject to a funds availability hold or not. 

Two telephone reps that I have spoken with on XX/XX/2019 and XX/XX/2019 have said that inbound wired funds are not subject to funds availability holds. 

However, I asked the same question via secure message to Sallie Mae, and their response was that a funds availability hold would apply. 

At best, this is a serious discrepancy in information that Sallie Mae Bank is providing to customers. At worst, this is a deceptive business practice of telling customers that funds wired into new accounts are not subject to holds when, in fact, those funds are subject to holds.