Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax credit report open pass due account XXXX XXXX XXXX orig XXXX XXXX XXXX hospital, filed a complaint with equifax that this account does not exist .it was previously removed and then reappeared, i called XXXX XXXX XXXX they stated XXXX balance, sent me a copy that i sent to equifax, they have not responded 2 my complaints over 4 months
Complaint sub-issue: Their investigation did not fix an error on your report

im tired of explaining and consumer finance. gov is just as negligent as equifax. im fed up And feel I have grounds to file suit for negligence along XXXX  damages for not fixing my credit resulting in my loss of a vehicle plus nemerous othrr costs. i have a company trying to unravel equifax failure to report timely XXXX  accurate info and theve informed me its been over a yr since they reported and thats incorrect information. who do i contact to to pursue a suit?
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX company name XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

5 USC 1666b : A Credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Im unsure of how my credit keeps getting pulled. All Creditors should be calling me at XXXX to verify Im applying for credit!! I keep getting Alert saying someone apply for credit in my name. Im also getting alerts saying my email and personal information has been Compromise 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please see attached FTC report and Delete information from my credit file.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Was not notified of investigation status or results

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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: Their investigation did not fix an error on your report

I have a XXXX account on my collections. I made a payment to settle the account in XXXX. The company sent me letters confirming. I made a dispute and neither XXXX nor Equifax will fix the error on my report. 

They are also not reporting the correct amiunts for my student loans. They randomly grabbed a number out of thin air. 

Neither account will change. 
Also EVERY couple of day XXXX put a new remark on my account after the last payment was made. Months after that payment was made to be exact. This made my credit drop like 100 points even after the last payment was made. They updated my account with wrong information Every 2 to 3 days for months. I also made payments three months prior to the last payment for the full settlement. This included two payments in XXXX. I sent all documents confirming that to all three : XXXX Equifax and XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record
Complaint sub-issue: Information belongs to someone else

upon checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.These accounts have to be removed.
Complaint sub-issue: Information is missing that should be on the report

A XXXX XXXX XXXX mortgage account XXXX XXXX XXXX XXXX was paid in full. This established account should be accounted for in my history. But, XXXX and EQUIFAX are NOT including this account in my history but rather is reflecting my credit as NEW and as a result is causing my scores to be lower. If it was derogatory, it would be included!!!!
Complaint sub-issue: Account information incorrect

I've discovered numerous of inaccuracies and wrong reporting information. That pertain to all three credit bureaus. 

XXXX XXXX- There are different activity dates, closed dates are different from Equifax, paid off accounts reporting settle for less/Derogatory, account balances incorrect. 

I've called and wrote letters to every credit agency. As they report verified, the information is still reporting the same. All three bureaus are reporting different information, causing damage on one bureaus and 3 problems with the other two bureaus. There are reporting dates of activity on accounts. That's been closed for nearly 7 years. I've discovered late payments dates that are not reporting accurately. 

In accordance with the Fair Credit Reporting act 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.1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Complaint sub-issue: Public record information inaccurate

Incorrect information being reported to XXXX XXXX and XXXX XXXX XXXX XXXX 's.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2022 an account was opened with KICKOFFLENDINGLLC. They claim that {$500.00} is owed, and I'm unaware of this account. The only action that I took was " contacted the FTC. ''
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Complaint sub-issue: Debt is not yours

I received notification from " The Bureaus '' whose company name appears to imply that it has an affiliation with the three major credit bureaus. The company has used its name to give itself an unfair advantage in the debt buyer business and has also abused its position by intimidating consumers with its business name, suggesting that it is associated with the credit bureausXXXX XXXX XXXX and XXXX 

This is a major violation of the Fair Debt Collection Practices Act. ( Sect 807 " False or Misleading representation '' ) This company informed me that I owe them {$910.00}. They have also successfully placed a negative tradeline on my credit reports. 

Under the Fair Debt Collection Practices Act ( Validation of debts ), I have a right to have these debts validated. In order for me to make a determination if what they have reported is accurate, I have requested on numerous occasions - the last in a formal letter - that they provide me with details that validate this debt. As of this date, I have not heard from this collection agency except harassing messages. 

I have never signed an agreement with this company, nor have I secured any loans from this company. The company has ignored my requests for debt validation and has continued to viciously report this item as a negative occurrence on my correct reports.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions.
Complaint sub-issue: Billing dispute for services

Equifax is reporting errors and rumors on credit reports.
Complaint sub-issue: Right to dispute notice not received

I do not owe a XXXX bill. I have an open account with them now and have had same account for several years.
Complaint sub-issue: Debt was paid

This collection was paid I disputed the balance on my credit report. The original creditor could not validate the debt so the collection was deleted from my credit report. On XX/XX/20 I pulled my credit report and the account was updated by Enhanced Recovery Collections on XX/XX/20. I never received written notice or phone call about this collection.
Complaint sub-issue: Didn't receive notice of right to dispute

To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Virginia medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX  XXXX
Complaint sub-issue: Frequent or repeated calls

Was called at XXXX XXXX on XXXX-2017 from number XXXX. My telephone number is a business number. Person named 'XXXX ' said he was from EOS CCA - but refused to identify who the company was, or what the call was about. I had to look them up online to find out it was a supposed collection agency. Also, the call did not indicate whether it was being recorded ( calls usually are ) or provide the required 'call being recorded ' statement. As he would not identify the reason for the call - or who EOS CCA was - I declined to confirm who he was speaking with, and then he hung up on me.
Complaint sub-issue: Debt resulted from identity theft

I had my identity stolen and a bunch of credit cards opened in my name without my knowledge or approval. I have gotten all of them taken off except XXXX with Macy 's Department Store/DSNB account # XXXX which also turned into a collection account with a company called XXXX XXXX XXXX. I keep getting phone calls from XXXX XXXX XXXX trying to collect over {$2000.00} from me which is not my debt. Each time I give them my social security number they tell me that 's not correct, when I tell them this was from identity theft they do n't believe me. I have sent all the credit bureaus, XXXX XXXX and Macy's/DSNB copies of police reports, my identification documents, letters stating this was all from identity theft and they need to remove it all from my name immediately ( many letters ). They refuse to delete and keep calling to collect, keep reporting this negatively on my credit report also. This is hurting my credit score, my credit report and my life. I have been fighting this since XXXX 2015. XXXX XXXX XXXX refuses to send me any proof of this debt also when I ask. They say since the social security number does n't match they ca n't send me anything on it but they refuse to take me off the debt that I did not incur. I need your help in getting this resolved and my name removed from this un-related debt and my credit report fixed also. Please help me, I have exhausted all my efforts up until now.
Complaint sub-issue: Deposits and withdrawals

I opened Citi Accelerate saving account on XXXX XXXX full funded by a 2 transactions of XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX total is XXXX. 
by XX/XX/XXXX i noticed that i can't login to my citi bank, almost after over 14 hours in 2-3 days calls i was finally able to resolve login issues as i found a fraud has happened to my account and a transactions has been charged to my saving account from an ATM while i didn't even received the card yet! 
transactions as below : Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ total of {$1200.00} dealing with Citi support was a nightmare opened multiple cases they keep denying its a fraud and they don't even provide any evidence! 

case # XXXX Case # XXXX i believe ATM 's have cameras on it and as an owner of the money why i need to pull it this way! 
its clearly fraud please help!
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX Several charges from an unknown vendor listed as " XXXX XXXX XXXX showed up on my Cash App. Multiple charges at various times totaling {$150.00} were debited from my account. I immediately contacted Cash App to alert them that the charges were unauthorized. Cash App responded hours later indicating to create a dispute. On XX/XX/XXXX additional charges totaling {$170.00} was debited in addition to the previous amount. An email regarding one of the amounts was returned. However, several of the charges have been denied stating " documents '' that were relied on. There are no documents, because I do not have knowledge of the merchant who I looked up is listed in XXXX XXXX. I have since reported my card lost/stolen and requested a replacement to prevent any further debits to the card. It has been a week and the card has not arrived timely nor has the funds been returned that was stolen. I would like to add that the funds that were stolen were needed as it was a stipend that was sent to me from the Department of Veterans Affairs. I am requesting a full return of the {$330.00} that was stolen. Finally, since canceling the card numerous attempts were made from this merchant as recent as XX/XX/XXXX for {$17.00}, XX/XX/XXXX {$17.00} and numerous other attempts. On the date of the debits amounts were attempted for {$340.00} on XX/XX/XXXX and {$170.00} on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act FCRA credit reporting agencies are required to accurately report credit information and be in compliance with E_Oscar platform protocol. All three major credit agencies ( XXXX, XXXX, and Equifax ) have reported inaccurate information on the accounts listed below : These inaccurate accounts must be deleted to be in compliance with the FCRA Account 1 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 2 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 3 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 4 : DPT ED/XXXX  XXXX XX/XX/XXXX {$0.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$3100.00} Account 6 : US DEPT ED XXXX XX/XX/XXXX {$5600.00} Account 7 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 8 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 9 : US DEPT ED XXXX XX/XX/XXXX {$3000.00} Account XXXX0 : US DEPT ED XXXX XX/XX/XXXX {$1900.00} Account 11 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 12 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 13 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 14 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 15 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 16 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 17 : US DEPT ED XXXX XX/XX/XXXX {$11000.00} Account 18 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account 19 : DPT ED/XXXX XXXX XX/XX/XXXX {$0.00} Account 20 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 21 : XXXX XXXX XXXX XX/XX/XXXX {$84.00} Account 22 : XXXX  XXXX XXXX XX/XX/XXXX {$820.00} There are items such as various date opened, last reported, date last active, and date of last payment that is incorrect and inconsistent for the same accounts across all 3 credit bureaus. All of these accounts must be deleted from my credit report because it violates the FCRA and is not in compliance.
Complaint sub-issue: Problem with fees

On XX/XX/2016, aplied for a {$200.00}, secure credit card, with no fees and interest for 18 months, during the use of this card they charge annual percent of {$25.00} dollars and interest over purchase, I try to fix this but it's too difficult now, I'm in the credit bureau with 2 different card number .I need to clear this debt, I don't owned this and I only use one credit card not other one
Complaint sub-issue: Public record information inaccurate

XXXX XXXX Bankruptcy XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Closing Date XX/XX/17, Court/ US BKPT CT NJ XXXX Equifax furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Court/ Federal There is inconsistency furnished across the bureaus and incorrect dates.
Complaint sub-issue: Personal information incorrect

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Complaint sub-issue: Other problem getting your report or credit score

I had Equifax drop my credit score by 74 points. I believed that there was an error. 
I called to ask for a credit report and they said that I had one this year and I would have to pay for it. 

I told them that the questions they were asking did not pertain to me. My first name is XXXX, they asked about XXXX. The had me having a car load in XXXX and a mortgatge in XXXX. I have neither. The equifx representative laughed at me when I told him I believed the law stated If incorrect info was on my report I could ask for another. He laughed and hung up.