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

Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Complaint sub-issue: Account status incorrect

FMS IncXXXX is reporting incorrect information on credit report in that they are reporting accounts that are being paid through an official agreement ( payment plan ) with XXXX XXXX XXXX Hospital, accounts that are not being handled/overseen by FMS but directly with XXXX XXXX XXXX.
Complaint sub-issue: Debt was paid

I had a credit line with XXXX XXXX XXXX ( https : //XXXX  ). I enrolled the balance into a debt relief program New Direction ( https : //nddebtrelief.com ) which forced the debt to go into collection and later on sold to XXXX XXXX XXXX - XXXX XXXX XXXX. New Direction has reached a settlement a agreement with XXXX and the agreed amount was settled and paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX  and they asked for New Direction to contact XXXX XXXX XXXX at ( XXXX ). I contacted New Direction but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence that was issued through XXXX XXXX. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done almost a month and a half ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively. I have opened a CFPB complaint and all involved party have responded inadequately and the issue is still unresolved. As it stands now, one or more of the involved parties have conspired to pocket my payment towards the debt settlement.
Complaint sub-issue: Personal information incorrect

I have contacted several equifax via phone and via letter to let them know that they are reporting an incorrect address for me. I have submitted identity proof and a copy of my bills showing the correct address however they continue to report the incorrect information. For some reason they show that my address is in XXXX Florida however I do not live in XXXX or in Florida. I have wasted over 15 hours trying to fix my address and they continue to report it incorrectly.
Complaint sub-issue: Information belongs to someone else

XXXX  XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Complete Your Credit Picture! Get All 3 Bureaus Accounts How to dispute Revolving Account Name Balance Balance Date Monthly Payment Term XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Account information incorrect

I've disputing with XXXX and XXXX about incomplete and inaccurate information on my credit reports. They claim that they have investigated the account information with FEDLOAN SERVICING and they claim that FEDLOAN SERVICING is telling them that the account information is accurate which is false. The payment history is incomplete and inaccurate. Date of last activity as well as other information is missing, The dates of delinquency is incorrect as well as the date of last payment and payment amounts are inaccurate. I've sent proof of this Inaccurate and incomplete information to XXXX and XXXX but FEDLOAN SERVICING is allowing them to continue to report this inaccurate and incomplete information. 

In accordance with the Fair Credit Reporting act. The List of accounts stated above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) 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. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Complaint sub-issue: Account information incorrect

The credit reporting bureaus do not report accurate scores. I understand that scores differ a little on each report but my scores are too different. It is interrupting my attempt to repair my credit and stopping me from having good credit. My XXXX score as of XX/XX/2018 is : XXXX Equifax score as of XX/XX/XXXX is : XXXX XXXX   score as of XX/XX/2018 is : XXXX I need this to be fixed. It seems like a scam to keep me from enjoying the benefits of good credit.
Complaint sub-issue: Information belongs to someone else

I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX  XXXX, and three inaccurate negatives from XXXX. This is completely inaccurate. I already contacted the Credit Bureau and the Creditors regarding it but they did not give a response on this particular matter. I need your help on this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX inquiry-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ... ..XXXX XXXX Inquiry-XX/XX/XXXX, XX/XX/XXXX ... .XXXX XXXX XXXX XXXX inquiry-XX/XX/XXXX , XX/XX/XXXX ... .XXXX XXXX inquiry-XX/XX/XXXX.. contact these creditors and some stated they couldnt find no application from me and the others stated the on application on there file with my info is from XX/XX/XXXX or XX/XX/XXXX nothing with years of XX/XX/XXXX/XX/XX/XXXX
Complaint sub-issue: Debt was paid

Professional Credit account  XXXX  verified today on  XXXX  credit bureau a debt that was paid at time of service at  XXXX   XXXX   XXXX .   At the time of emergency medical service I informed the hospital and presented info. that I was covered by   XXXX   CALIFORNIA.This debt also shows on  XXXX  and   XXXX   as account  XXXX
Complaint sub-issue: Account status

Equifax deleted my creditor XXXX XXXX XXXX and XXXX account that was opened in XXXX 1993 and is current and paid as agreed. 

I did not dispute this account for removal or fraud. I want Equifax to reinsert my XXXX XXXX XXXX and XXXX account in good standing, paid as agreed with no negative activity. 

I want Equifax to stop merging my credit report information with other peoples information.
Complaint sub-issue: Personal information incorrect

I'M HAVING ISSUES GETTING MY PERSONAL INFORMATION UPDATED WITH THE CREDIT BUREAUS.
Complaint sub-issue: Account information incorrect

on XX/XX/2021, i wrote XXXX about a inaccurate item that they are reporting that needs to be deleted and it has been a month without any response.i sent Equifax letters on XXXXas well for unauthorized inquiries that i didn't authorized and asking for them to be deleted.
Complaint sub-issue: Reporting company used your report improperly

I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act ( FCRA ) and how it is reporting my credit information.

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee nor did I express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my personal credit information from public records which they are not in compliance with the Fair Credit Reporting Act.

Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information.
Complaint sub-issue: Debt is not yours

XXXX/LoanCare sent a mortgage statement including an unpaid fee of {$XXXX}. I contacted them and talked to XXXX ( XXXX ), who clarified that the unpaid fee is related to a property inspection performed by the former loan servicing company XXXX. 

They said that the inspection was executed to know if anyone lives in my property, which I think is an absurd excuse since I have been paying my mortgage every month since XX/XX/2007. In more than 30 years I had dozen of mortgages and I have never been contacted to perform such inspection by any financial institutions or loan servicing companies. 

I live in a Condo unit and no one can access or visit my apartment unless Im there and authorized it. I never received such a request. If there is a fake inspection report, I would like to view it to find out how they got in without my authorization.
Complaint sub-issue: Account status incorrect

I made an application to Citi Card to transfer a balance from another card. During the process, they made the transfer then immediately closed the account as a " fraudulent application '' and suspended all activity. I tried calling them but they wouldn't budge. I paid back the balance transfer and the fees immediately, and assumed they would close the account as fraud. Instead, they are showing it as " account closed by consumer '' I did not take action to close the account. This was a decision by Citi. Citi was made whole and all money involved has been returned to them. I cut up the card upon being told that my account was fraudulent. 

Citcard needs to show the correct reason the account was closed with the credit report agencies. That is, closed by issuer on account of fraud. This is their words and their interpretation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed public filings on my credit report from XX/XX/2021 up until now, XX/XX/2021 with XXXX, XXXX  and Equifax. I have been given the run around as to who verified or added this information to my profile with XXXX. XXXX  and Equifax have not even responded to any of my dispute letters. XXXX has not shared any of that information even after reaching out to courts myself and finding out they did not report such information to my credit.
Complaint sub-issue: Was not notified of investigation status or results

I lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX known as XXXX XXXX XXXX for XXXX  years from XX/XX/15 XXXX. During that time the complex made NO repairs at all!! I notified the building manager that I was leaving. During the process of me leaving the complex called XXXX and had my lights turned off, went into the apartment took items that were mine and trashed the place with the spare key. After being gone for 1 month the building manager called me & said I had a letter that stating I owed them {$7100.00} for 3 months rent ( the lights were turned off in my name & the apartment was occupied by XXXX ), Unit Prep, replacement of floors ( wood laminate was placed for the new occupants ), and to replace cabinets ( the cabinets were dry rotted ) all of these repairs were routine wear and tear after 7 years of living with no repairs. I received a call from Sarma Collections Incorporated XXXX this collections was placed on my credit report without a judgement or proper notice. I disputed the charges only to hear nothing from the complex. I recieved a call from the collections agency.
Complaint sub-issue: Debt is not mine

I 'm a XXXX year old single mother. On XXXX XXXX, 2016 I called my bank at XXXX XXXX to check on my account balance. I have a checking account at XXXX that my mother 's name is attached to. Her name is only a secondary on the account, if anything were to happen to me. She has never once in all the years that I have had this account had any of her checks deposited or taken money out, she does n't even have a card to the account. When I called for my account balance it stated that is was frozen with an overdrawn balance of {$15000.00} due to my mother having debt with Discover Bank. I have over {$6000.00} saved in that account for my son and myself and Discover Bank said because my mother 's name and social security number are attached to my account that they can take all of my money and not leave my son or myself with {$1.00}. All of my {$6000.00} are still in my account but it is untouchable until XXXX XXXX decides if they will release my money to Discover Bank to cover my mothers debt. My mother owes {$21000.00} to Discover Bank and they filed a law suit using XXXX XXXX XXXX XXXX as legal representation. I can 100 % prove that all money being deposited in that account is mine and has nothing to do with her.
Complaint sub-issue: Their investigation did not fix an error on your report

I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reached out to the credit agencies via FTC report and CFPB complaint. The credit agencies placed a fraud alert on my credit profile but failed to remove the fradulent inquiries as they said they would. I followed up with the agencies directly and was advised that it would be taken care of within 30-60 days but it wasn't. I would like these inquiries to be removed. 

XXXX XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX by XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX DATE XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX called me XX/XX/XXXX to say I owed {$1000.00} To XXXX -- They offered to settle the debt in payments for 6 months that would amount to {$1800.00}. I told them I could pay {$1000.00} on the first to clear debt. Name of company if you dial it is SCI. But I was not sure what I owed XXXX since before I had a care giver XXXX XXXX to help with my finances and keep track of payments. Since I have had several XXXX XXXX and XXXX XXXX. Also on line is proof I was recently XXXX in the XXXX with a XXXX XXXX by my dog that XXXX  my XXXX and XXXX my XXXX XXXX and XXXX XXXX XXXX leaving an ounce of lead shot in my XXXX. Needless to say this has been hard without a care giver. You know I was not thinking so I called that number back and I explained that I am not sure if I am being scammed and I want to call XXXX to be sure this company is legit. I also want to know for sure I owe this amount because I am not sure in my mind if I owe money or the amount if I do. 

I called XXXX several times, some problem here with memory and did not answer their security question right but finally got through and then they needed me to send an ID photo which I did. Yet they will not give me the amount I owe and even after getting through and sending the ID. Maybe XXXX can justify the record of 5 different phone conversations I have had trying to get my information and their getting me to verify by sending them a copy of my valid ID but for a senior I would not advise you to be a customer with them. The hours I have spent are frustrating just only to get information to verify if SCI is their debt collecting company and if {$1000.00} one time payment or {$1800.00} in six payments is justified to pay off what I owe and if {$1000.00} is really the amount I owe. XXXX has up to now refused to tell me anything even with all the proof I have given. XXXX phone number is XXXX.
Complaint sub-issue: Funds not received from closed account

I opened my savings account at Discover Bank and I transferred all my savings from my current savings account to them. After they received the money they shut my account down, told me there was fraudulent activity, and gave me a number to call them to look into my account. After being on hold for more than 8 hours I was finally able to speak with a specialist and she told me the money would be sent into my previous account immediately but it wasn't. I had to call again and be on hold for more than 4 hours and this time they told me they will be sending a check in between 60-90 days. I then asked to update my address since I will be moving and I will not be able to receive the check by the time they send it. They have transferred me from one department to another for this and are refusing to update my address or explain why they shut down my account the second the money was accepted. They have taken my money and refuse to communicate with me. 

I opened my Discover savings account on XX/XX/XXXX, I transfer XXXX on XX/XX/XXXX and they received the money on XX/XX/XXXX at XXXX am and six hours later they closed my account and refuse to send the money back. 

No one answers the phone, I asked to talk to the supervisor twice and they don't pick up the phone, one agent told me they would cancel the transfer immediately and the other that it will take 90 days, they refuse to update my address for the check to be sent and they are not taking any action on my case. They advised me to talk to my other bank to see if they can recall the transfer since they are not able to do it sooner but they already take and hold all my money.

I am not able to wait for that long for my money to be sent back, those are all my savings, I have bills to pay, rent to cover and expenses to be cover.I need help and they are not helping me in any way. Please help me get my money back I really needed it.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX Credit Report approx. XX/XX/XXXX and began to dispute inaccurate and/or outdated info. in credit file dated XX/XX/XXXX asking to correct Personal Data, and Disputed an ECMC Collection Account XXXX being reported. I also reached out to ECMC on XX/XX/XXXX advising that I disputed this claim and requested Validation. Mail was returned undeliverable from address listed on Credit Report : XXXX XXXX XXXX, XXXX, MN. XXXX. On XX/XX/XXXX I forwarded copies of returned mail to XXXX and instructed them to DELETE the derrogatory reporting. As of this reporting, XXXX has failed to respond, and I am asking that this item from ECMC be REMOVED from my credit reporting file due to failure to respond with the required time frame according the the Fair Dept Collection Practices Act. ( Prove it or remove it )
Complaint sub-issue: You told them to stop contacting you, but they keep trying

My bill is only 5 days late, and in those 5 days XXXX has been calling me non stop. I received at least XXXX calls a day in the last 3 days alone. 

I spoke with a representative XXXX on XXXX/XXXX/XXXX at XXXX and advised her to stop calling me and to notate my account that I do not want anymore calls. 

Since that time I received another call at XXXX. The next day, XXXX/XXXX/XXXX I received a call at XXXX.