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

I have disputed 2 accounts numerous times that say current payment status is " in collections/charge off and account status is derogatory. Both accounts are paid off, transition refuses to correct it yet on full credit report it shows the negative info but in account section it doesn't. It shows paid. I have tried for over a year and a half to get this corrected and they are telling me I am wrong that it had been verifiedXXXX XXXX XXXX XXXX was paid in full well before it became a charge off and XXXX XXXX was also paid. Neither account is still in collections or a charge off. All three credit bureaus show the negative info and neither the bureaus or lenders seem to care to change it. It has dramatically affected my interest rates as well as score since it shows as a derogatory account. XXXX XXXX agreed to remove this from my reports if I paid in full yet still won't do it. XXXX is also reporting that there is still 100 % of loan to pay off when it is completely paid off
Complaint sub-issue: Information belongs to someone else

please check the following account that appears on my credit report, it is not mine, it is hurting me DISCOVERBANK Account Number : XXXX This is not mine.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I reached out several times to credit bureaus and the companies to resolve the issues. After all the letters and calls they refuse to honor my demands.
Complaint sub-issue: Debt is not mine

I 'm on XXXX and have medicare and medicaid. I have no knowledge of this bill
Complaint sub-issue: Trouble using the card to pay a bill

I received a US Bank ReliaCard when I started receiving money for unemployment. Upon trying to withdrawal money from my card and being unable to, I contacted customer service. Customer service was nearly impossible to reach, either the automated system would randomly disconnect my call, or I would wait and extremely long period of time to speak with someone only for them to tell me they were ending the call due to the fact that they could not hear me well. After FINALLY being able to reach someone I was told my account was put on hold due to inactivity in XXXX of 2020, which I was not notified about. The woman on the phone told me that was because alerts were not turned on for me in their system. I was told I had to fax a copy of my ID and a service bill which had my correct name and address. Not having a fax machine available to me, I had to pay to fax my documents over, which were sent to the fax number given to me by the woman over the phone and the fax went through without issue on my end. I was told the hold would be lifted in 6 business days after the documents were sent over. A month later, after hearing nothing from the company, I still had no access to my money. I was told that there must have been visibility issues with my documents and I needed to send them again, which also has resulted in no change in my account and I am still unable to access my money. I have followed every request the company has made in order to release the hold on my account, all to no avail. I have made several attempts to reach the company, all in which I have failed to be able to speak with a person. I am very frustrated, as I should be able to make withdrawals of my own money whenever needed. It should not be a near impossible task to reach a person over the phone who can help me with this issue. After feeling like I had no where to turn, I filed a complaint through the better business bureau which the company responded telling me to again send over the verification documents. I do not feel comfortable sending anymore sensitive and personal documents over fax to a company I am not even able to research as it is a third party verification service that we have been giving no name for and were told that there is no way to contact them directly other than fax. I am sick of getting the run around and being told to resend these documents containing personal information that I have sent in twice now. Upon researching this issue, we have found that several others have gone through this exact same issue and have had to file complaints via the XX/XX/XXXX as well.
Complaint sub-issue: Funds not handled or disbursed as instructed

I am trying to link my bank account to XXXX and it says that pnc is blocking this.
Complaint sub-issue: Their investigation did not fix an error on your report

I built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. 
XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. Equifax on the other hand. No so receptive. I've made multiple disputes we with Equifax. I had a Mobile home loan opened in XXXX with XXXX XXXX XXXX XXXX. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. Equifax is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ XXXX XXXXl ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that Equifax contacts him. Equifax is requesting XXXX XXXX to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call XXXX XXXX the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again.
Complaint sub-issue: Reporting company used your report improperly

These companies have improperly add information to my consumer report according to 15 USC 1681- ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction.

( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/XXXX - Submitted a refund request for federal student loans paid in XXXX ( after the loan payment pause ) through XXXX to FedLoan Servicing. Customer service representative told me it will take about 2 weeks for the refund to arrive in my bank account. 

XX/XX/XXXX - called to check on the loan reinstatement and refund status. Customer service representative told me the Loan will be reinstated soon and the refund could take up-to 2 months. 

XX/XX/XXXX - my loan was reinstated on FedLoan servicing website. 

XXXX - I called to check on the timeline for refund as I need the money. The customer service representative mentioned that it could take up-to 150 days. 

I am concerned that the timeline for refund keeps going up each time I call and I dont think I would get the money ( but my loan has been reinstated already )
Complaint sub-issue: Information belongs to someone else

This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. EQUIFAX also reported accounts from XXXX XXXX XXXX opened last XX/XX/XXXX and account with XXXX XXXX reported opened last XX/XX/XXXX. These are not my accounts. I am a victim of this credit bureau 's mixed up files. Furthermore, there had been inquiries reported that donot belong on my credit report. Inquiries XXXX XXXX  last XX/XX/XXXXand XX/XX/XXXX, XXXX pulled last XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX pulled last XX/XX/XXXX and an inquiry by XXXX XXXX pulled last XX/XX/XXXX and XX/XX/XXXX. Attached to this complaint is a letter from XXXX stating " that my credit file might be combined with someone else who has a similar name '' This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.
Complaint sub-issue: No notice of investigation status/result

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Equifax aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked the Secretary of State Texas Debt Collections Division website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report please.
Complaint sub-issue: Contacted employer after asked not to

Allied Interstate has called my place of employment and harassed people I work with while disclosing that I have undpaid debt to people I work with that is not myself.
Complaint sub-issue: Debt is not mine

I am writing to complain about XXXX XXXX XXXX and a store in Florida that has been harassing me for years and says I owe them money when I do not. 

I originally purchased phones from them to take with me overseas where I lived. They told me the phones would work overseas and they did not. I originally spent close to XXXX dollars on the phones, cases and a speaker. I immediately flew back to Florida to return them right away because they have a 14 days return policy in order to receive a full refund for my purchase. When I arrived, I initially called to speak to the manager and sales person who sold me the phones. They placed me on hold several times and never picked up the call. They also took many messages from me and no one returned my calls. I called XXXX and they told me to go back to the store and ask for an immediate refund which when I arrived at the store the clerk said he could not give me a full refund. I then told him I wanted to speak to the sales person who sold me the phones and he was unavailable along with the manager of the store. I finally had to call the police in order to get their complete attention and a full refund from the store. I had returned the phones on day twelve, 2 days before the 14 day return policy. All the items were still in their packages and everything in tack. I had the receipt as well. I did everything I was suppose to do in order to receive a full refund and never used the phones or phone service because the sales rep and manager of the store lied to me to make a sale. The manager had deactivated the service upon the return.. He gave me half of the refund in cash and the rest was sent by check from XXXX. Approximately a month later I received a bill for XXXX dollars without any explanation from XXXX. I called their headquarters and explained what had happened and they said they would investigate it and get back to me and never did. Soon after and still I am receiving letters from collection agencies claiming that I owe this amount. I sent these agencies letters explaining what had happened and attached and sent copies all of my receipts and names of people i spoke to at XXXX along with the names of the sales person and manager of the store. I sent emails and mailed them letters with copies of all receipts. I never heard back from them and they still list this debt on my credit report under collections. It has been over 3 years since this incident occurred and i believe that because I called the police to assist me with this return that the manager is behind this false charge or fee that has no bearing or explanation at all. Please help me to finally take this charge off my credit report. It has hurt my score tremendously and I dont know what more to do.
Complaint sub-issue: Funds not received from closed account

I have a checking account with the Citi Bank for many years and it was my main checking account. 
it means all my pay checks and income has been direct deposited in this account for many years and all my mortgage and credit also set up to pay from same checking account. 
for some unknown reason they decide to close my account and even after I asked them for explanation regarding their decision, but they refused to provide any information. 
I understand that they have right to refuse service to anybody, but my problem is the my money that has been blocked on that account and they are not releasing my funds and i don't have any access to my fund and it cause me too much problem with paying my house mortgage and car payments and even paying my utility bills and all other day to day payments such as credit cards and so. 
the total available balance in my checking account at the moment is {$18000.00}, but as i said they are not releasing my fund and it cause me big problem and it will damage and has unrepairable effect on my credit score and everything else. 
I already tried to talk with them several times and, they only said " this account is closed and you will receive your fund within 60 days '' when i explained my problem for them and asked them to expedite the process for releasing the money the hang up the phone. 
here is the account information : Bank name : Citi Bank Routing NumberXXXX Account Number : XXXX I already told them that they are responsible for any damage and problem that could happen for me regarding my financial status. 

I need you to help me with this big concern before it is getting to late. 
thank you for your understanding and help in advanced. 

XXXX XXXX XX/XX/2022
Complaint sub-issue: Problem making or receiving payments

Trying to log on to XXXX to fund my stock market account, and PNC refuses to let my account transfer money every single time. If you try to use a PNC bank account with any app that uses 'XXXX  ', it will not work at all.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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: Information belongs to someone else

I am a victim of identity theft, I am writing to request that you delete these unauthorized and unverified items immediately, within 4 days upon receipt of this correspondence. I have continuously request that the credit bureaus provide me an original contract with my signature stating that I have gave them permission to furnish a consumer report with my consent. The credit bureaus fail to do so, so I was forced to file a police report due to fraudulent activity by my FCRA rights being violated under 15 USC 1681 ( B ) when a consumer report was furnished without my consent. And if these items aren't deleted and blocked immediately, I will be forced to contact my attorney to pursue with federal charges. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please remove and block this fraudulent information per sections 605B, 615 ( F ) and 623 ( A ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the Following Fraudulent accounts be deleted and blocked from my credit file : XXXX # XXXX XXXX # XXXX XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

I have reached out to the bureaus several time in reference to this matter and it has yet been resolved. 

The account in question : 1. XXXX Account # XXXX XXXX {$9.00} Opened- XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$780.00} Opened- XX/XX/XXXX 3. XXXX XXXX Account # XXXX Balance {$1600.00} Opened- XX/XX/XXXX 4. XXXX XXXX Account # XXXX Balance {$2600.00} Opened- XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Frequent or repeated calls

Repeated threat calls to my other phone XXXX and cell XXXX
Complaint sub-issue: Account information incorrect

Here is the complaint letter to the Credit card Company.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA  XXXX  Cct:XXXX XXXX XXXX XXXX   CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Tel : XXXX Department : Credit reporting Dear Credit reporting representative of Citi Cards , My wife opened this account and I was an added card member. Someone in your department has reported to the credit Bureau such as XXXX a derogatory mark with no information. It shows pays as agreed. This card was closed because I opened another Gold account.

I would like to have an answer to this question of why it was reported to the credit bureau and not give a reason. All bills were settled in a timely manner. Reporting to the credit card bureau as derogatory for opening and closing an account is not acceptable. Please do the needful to remove this from my credit report.

If you need further information, please feel free to contact me.

Thank you.

Sincerely, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX )
Complaint sub-issue: Debt is not yours

I C SYSTEM ( Original Creditor : 11 XXXX XXXX ) ... .I have never had XXXX XXXX XXXX  or XXXX  so I have no idea whos this is ... I see a name on my credit report that is not mine and i have never gone by it is XXXX XXXX , Im sure the reporting of this debt is a case of mixed file ... ... I have contacted all 3 credit bureaus multiple times and they say that IC SYSTEMS verified and validate this debt ... how so if it is not mine? They have never sent me proof which im sure they do not have ... .I asked for a copy of the wet ink contract and received no response ... .there is no way that they can verify and validate this erroneous account on my report. i need this deleted now or i will be contacting a consumer attorney as well as putting a complaint in with the state attorney general as i am in the process of purchasing a home and this is killing my score.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.