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

Hey I opened up a XXXX XXXX XXXX account through XXXX  XXXX then I closed it paid it in full with my payees help however the credit bureaus are all showing that this payment was late and that it's a derogatory account. may I remind you that this was closed months almost years ago this was paid in full on a payment plan it is XXXX it should not be marked as derogatory this letter that I'm attaching to this complaint will verify that it's been paid please forward it to the this complaint and the letters to the credit bureaus all three of them
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15U.S.C. 1681.

Equifax is govern by 15 U.S.C. 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 U.S.C. 1681 : i have the right to privacy and i did not give Equifax written permission to furnish these accounts : XXXX. XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX XXXXXXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

After telling them I owed other agencies mainly the State of Washington money and that they would have to wait. They continued to call me at least once if not three times a day looking to set up payments. All while denying that I had talked with anyone about my situation. They continually harass my family members and some how found out my new work number in a different city across the state and has started to contact me here putting my job in jepordy and tarnishing my professional reputation.
Complaint sub-issue: Information belongs to someone else

There are multiple accounts on my credit report that do not belong to me
Complaint sub-issue: Frequent or repeated calls

The company, self identified as " XXXX XXXX '', has called and left messages in my voicemail for the following dates ( including several more ) : XX/XX/2018 at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours. The company continuously calls requesting to fix a debt owed to them by an unknown person. I have not ever conducted business with this company and they fail to acknowledge that. They may be looking to contact someone who gave them a wrong phone number. Please fix this.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several letters with all  XXXX  major credit bureaus in reference to an account they are reporting with  XXXX   XXXX   XXXX . Originally the creditor had the account listed as settled less than full balance that was not correct so a dispute was sent. I sent a letter to  XXXX  and they provided me with a letter stating the account was settled in full. I provided this to all  XXXX  credit bureaus but instead of correcting the problem they just added account meets FCRA requirements.
Complaint sub-issue: Account status incorrect

Who the heck is XXXX XXXX XXXX? I recently applied for a car loan through a dealer and was accepted as I have outstanding credit. I currently have credit freezes on my and my wife 's credit with the big three bureaus - XXXX, XXXX, and XXXX   because no one can keep our information safe. 

I got a letter from XXXX XXXX stating my credit was denied even though I had a very favorable credit score returned from XXXX XXXX XXXX. The day this was run there was actually a problem with XXXX hitting against XXXX  as I had not un-froze my credit with them. Other banks approved my loan due to my outstanding credit after I temporarily lifted my freeze. 

My questions are these : - I thought there were only the big three credit reporting agencies ( listed above )? 
- Who is XXXX XXXX XXXX? and why has no one heard of them? 
- There are numerous complaints on the web of similar cases, or in some cases XXXX XXXX XXXX reporting scores much lower than they should be or are with the other agencies. 
- I called XXXX XXXX XXXX and all I got was a Voice Mail box. 
- People do not trust providing XXXX, XXXX, a company they have never heard of, their personal information to freeze their credit. And you can not do it over the phone as their web site states you can. 
- XXXX XXXX  is tied to many of the companies online and many people have received letters from XXXX like I did. 

To make matters worse, I am a current XXXX car loan customer and they know my outstanding credit history, and they send me a denial letter? I have called XXXX and ripped them a new one and I'm not done yet! 

I am filing a formal complaint against XXXX XXXX XXXX for providing XXXX XXXX incorrect information about myself and misrepresentation of my credit. This is absurd and this company needs to be shut down immediately. 

Date of transaction - XX/XX/ XX/XX/XXXX
Complaint sub-issue: Debt was paid

XX/XX/2018 at approximately XXXX. Received robocall from my XXXX area code ( caller ID was ( XXXX ) XXXX saying to press " XXXX '' to speak to agent regarding debt. Transferred to " XXXX '' claiming to be from XXXX XXXX XXXX in XXXX. Attempted to collect money for payment of a credit card with Citi bank that had been closed 6 years ago. Called number back and same woman answered with " hello '' and I asked questions such as " where are you located, why am I getting an XXXX number for a phone in XXXX '' and woman hung up on me.
Complaint sub-issue: Information belongs to someone else

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : DPT EDXXXX XX/XX/XXXX XX/XX/XXXX {$6000.00} XXXX -- / -- XXXX Late Dates : XXXX, XXXX {$7200.00} XXXX {$72.00} XXXX XXXX  XXXX XXXX -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX {$23000.00} {$6200.00} {$4200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX/XXXX  XXXX -- XXXX XXXX -- XXXX {$100.00} XXXX XXXX -- XXXX XXXX  {$520.00}
Complaint sub-issue: Account information incorrect

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00}
Complaint sub-issue: Account status incorrect

The credit reporting agencies incorrectly show that I closed an account which I did not. I tried to call them but either they only have an automated phone menu or in the case of XXXX XXXX do not even have a phone #. I called Equifax and XXXX XXXX without being able to speak to a representative. The account that they list incorrectly is for a jewelry store named XXXX. Recently this store changed the bank they use and I was sent a letter stating that I would receive a new card this month. However, this will end up being listed as a new account thus negatively effecting the age of my credit. These agencies are crooks! Equifax proved that in the past few months. Why do you allow them to collect all this information on me and do n't at least force them to allow access to a representative to correct false information? I have been working for 2 years to build up a good credit record so that I can buy a house at a good interest rate but they work against the consumer at all times and for the banks to cheat you and hold you back. I have a 100 % on time payment record but when they throw in all the other factors there is no way to win. " You have too few accounts, the age of the credit is too short etc. '' Open more accounts and it lowers your credit age. This is a totally unfair system which the government sanctions! XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

We just learned today of yet another credit reporting company XXXX  after our information was hacked through Equifax. We had put credit freezes on the other bureaus several years ago and upon learning of XXXX are trying to do the same. XXXX has three ways : - online : did submit a request yet there is NO transaction record, or recordable confirmation!
- by mail : requesting our sensitive information to be sent by mail! That is NOT going to happen.
- by phone : try their number - it does n't pick up or promptly disconnects after an extended waiting period?
We will protest this intrusion into our private data through all possible venues including like we do here, with the CFPB. We will record and hold to account all who are responsible for our protection. We, the People, will rise!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I look at my credit report and seen 80 inquiries on my report for XXXX  thats not mind! From XX/XX/XXXX-XX/XX/XXXX
Complaint sub-issue: Charged too much interest

Initially contacted the Citibank about apply Ohio SCRA benefits to accounts on XX/XX/2019 Received benefits for open accounts, but have been told they do not have records of my closed account. I have called them several times, with the last time on XX/XX/2019. I gave them the account number from my credit reports for a Citibank AT & T Universal that was closed and each time they told me it was invalid account number. I was unable to explain more than that and was told to find the full account number. I have attached old correspondence for that account from Citibank for reference.
Complaint sub-issue: Information belongs to someone else

I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI  report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.
Complaint sub-issue: Problem with fees

Citibank did not send monthly statement. I did not know credit card had a balance. Because I was not sent a statement and did not make a payment Citibank charged me interest on the balance and a late fee for not making a payment on time. This is clearly a scam to charge interest and late fees.
Complaint sub-issue: Attempted to collect wrong amount

My name is XXXX XXXX. I had XXXX for almost 20 years. When I got married my wife asked me to get red of my old number to eleminate any issues with past relationships. I did and it the same time she added me to her accound. At that point I had to pay the pro-rata amount of the monthly remaining balance. I had a call from XXXX and aggreed to pay the {$35.00} that was accrued. Because my line was changed and address was changed I did not have any contact with them for anout 3 months. Next thing I knew they send me to collection with {$330.00}. I disputed it but I couldn't get it out of my record.
Complaint sub-issue: Investigation took more than 30 days

Hello my name is XXXX XXXX and Im submitting this complaint on behalf of myself and nobody else. On XX/XX/2021 I mailed a dispute letter to Equifax about multiple inaccuracies being reported on my credit report and Ive yet to hear back from them in regards to my dispute.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account number ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX  # XXXX ) ( XXXX Account number XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX XXXX XXXXXXXX Account # XXXX ) ( XXXX XXXX Account XXXX ) ( XXXX Account # XXXX ) ( XXXX Account XXXX ) ( XXXXXXXX XXXX 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 my written instruction.
Complaint sub-issue: Funds not received from closed account

Discover Bank automatically closed both my checking and savings account without contacting me first to sort everything out. I received a letter dated XX/XX/2020 from the company informing me that they completed their own investigation and decided to close both of my accounts because they believe that accounts were opened without my knowledge. However, that is simply a big mistake ; I indeed opened those accounts with my real and accurate personal information. This is NOT identity theft. It was really shocked to me as a consumer. In addition, the company never returned to me the funds left in both accounts.

I called their customer service and banker, but they just showed me their unwillingness to assist further with my case and could not disclose additional info. Then I learned that one reason may be due  to a security freeze placed on my XXXX  profile. I froze my own XXXX  profile because I am not intended to open new accounts anymore and just for security reason. Let me also be CLEAR that I placed the security freeze on XXXX  AFTER I opened Discover bank accounts, not BEFORE. Therefore, this is not logical for the company to just assume that they were opened " without my knowledge ''. This is just not reasonable by any means. 

I am ready to provide any additional personal identification documents, or lift the freeze on XXXX  to back it up that i am the real person. 

This is shady and nonsense that Discover Bank did this to their consumer. Depends on the outcome received, I will file a lawsuit against the company if I did not get my money back and with the actions that they took to close my accounts. I am not backing down for my consumer rights. 

I attached a copy of the bank letter where they stated the issue.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. Office ATTORNEY GEN account # XXXX violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

I had 2 loans w XXXX XXXX XXXX I am referring to the loan number XXXX at this time it looks like it has been removed from my acct but it seems that it is still reporting under my husbands name XXXX XXXX XXXX. just recently had joint credit ran and it is showing up w wrong information. it is reporting that this acct was in foreclosure status. this account has been paid off since XXXX of 2013. like I said this acct was removed from my act but somehow still reporting. also with this being deleted from my acct why hasn't my credit score improved. all my payments are current. my score has not budged in the last six months. I have done disputes w all the bureaus. it looks like it was removed but when my credit was just ran it is still showing. 
because this was a joint acct both credit repots/scores need cleared
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX. XXXX have not engaged with me in any contract nor services or goods exchanged, therefore I have no legal obligation to XXXX. 
XXXX. I am being extorted by fraudulently posting incorrect information on my credit report to " pay to delete '' illegally furnished data to XXXX and Equifax. 
XXXX. I have requested the following from Equifax and XXXX and have only received that it is verified but did not provided proof : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any Insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Amount of alleged debt. INCORRECT REPORTING Date this alleged debt became payable. INCORRECT REPORTING Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

It is illegal to furnish incorrect information on my credit report.
Complaint sub-issue: Problem with personal statement of dispute

I ADVISED EQUIFAX NUMEROUS ( SINCEXX/XX/2016 ) TIMES ALREADY THAT I AM A VICTIM OF IDENTITY THEFT AND THERE OWN DATA BRIEF SENT THEM POLICE REPORTS, MY ID, ALL THE ACCOUNTS THAT ARE FRAUDULENT ON THE EQUIFAX CREDIT FILE, CIRCLED ALL OF THEM AND THEY HAVE REFUSED TO REMOVE THEM FROM MY REPORT AS THE OTHER CREDIT BUREAUS HAVE, AND MY CREDIT SCORE IS BEING AFFECTED AND COSTING ME EMPLOYMENT, LOANS ECT.I DEMAND THAT THESE ITEMS BE REMOVED AT ONCE.
Complaint sub-issue: Debt was result of identity theft

I Have received information on debt that Jefferson Capital is attempting to collect a debt that verified as identity theft. XXXX XXXX completed the full with the provided information of the police report that I provided to them, this debt is not mine and should not be attempted or reported on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, 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: Funds not handled or disbursed as instructed

XXXX/XXXX/2017 - I was notified by Discover Bank that my checking and savings accounts had been frozen for security reasons because I had added an external checking account for transfers. Verified my identity and had them unfrozen.
XXXX/XXXX/2017 - My mortgage payment in the amount of {$1200.00} was supposed to have been deducted from my account, however, only a partial payment of {$640.00} was deducted. I contacted the lender, XXXX XXXX, to find out what was wrong. XXXX told me that they received no payment at all because they were told the accounts had been frozen. The account specialist at XXXX conferenced Discover Bank in to assist as they had not initiated the ACH and had not received any funds. Discover Bank informed me that they did not know where the ACH had come from but that they could not give me the money back until they investigated the transaction and would get back with me in 7-10 days.
I never heard back ...
XXXX/XXXX/2017 - I sent a secure message to Discover Bank through my online account center stating the following : " There is a disputed ACH on my account that was supposed to be removed within 7-10 business days. It has now been nearly 3 weeks and I have heard nothing. This was Discover 's error as they had apparently frozen my accounts at the time because I dare to do the unthinkable and add a checking account to my external accounts, resulting in a declined mortgage payment. However, Discover screwed up and still processed the payment in partial, never giving the funds to XXXX but also never returning the funds to my account. XXXX was conferenced in and verified that the funds were never received as well. I need to know what the status of this request is and when the funds will be returned to my account. " XXXX/XXXX/2017 - Response received from Discover : " Dear -- -, Thank you for your message.
I can understand your concern about your disputed ACH and no response from us.
In an effort to provide you the best service possible, I have escalated this issue to the appropriate parties in our company for further assistance. We will respond as soon as we have any additional information concerning this matter. Thank you for your patience.
If you have additional questions, click on the Help section of the Account Center, reply to this message or call us at XXXX. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week.
Thank you for choosing Discover.
Sincerely, XXXX Discover Bank Customer Service XXXX/XXXX/2017 - I have still heard nothing from Discover Bank and still do not have my money back. This is a lot of money and I need it back ASAP, so that I can pay this next month 's mortgage payment. The delay and lack of response is unacceptable, and according to what I 'm reading on the CFPB website, also illegal. Assistance is greatly appreciated.
Complaint sub-issue: Information belongs to someone else

While reviewing my credit report I noticed some things that alarmed me. I noticed someone was using information to get financial aid of some sort in the form of student loans and other things. It was alarming because this was not me nor did i give anyone permission or consent to use my information this was not.
Complaint sub-issue: Their investigation did not fix an error on your report

These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXXK # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX
Complaint sub-issue: Problem getting report or credit score

I understand by law I am allowed to get my free annual credit report from all three agencies, when I printed out the report they indicated that they would require payment of {$7.00} to give me access : " Did you know that your credit report does not include your credit score? '' What is the point of getting a report without the number? 

Please have them make them give you a score WITH the report. 

Thank you, XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Hi i was taking at look at my credit report and i notice XXXX XXXX which is the company thats on my credit report was open back in XXXX and it has passed the which legal expiration date of 7 years ... i notice that they are re-aging the last activity which is a violation and causes damages to my report i will like for these outdated student loans to be removed ... i have requested this numerous times with the bureaus but no response ...
Complaint sub-issue: Investigation took more than 30 days

Equifax leaked all my sensitive personal information ( SSN,  name, address, etc ) to the entire world by having XXXX security practices.