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

On XX/XX/XXXX I submitted documents stating that XXXX accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on XX/XX/XXXX. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on XXXX. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On these dates below the following inquiries were unauthorized : ( XX/XX/XXXX ) XXXX XXXX, ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I have sent several letters asking to remove the incorrect names and addresses on my credit report. First, I don't know how the information was provided because I dont have accounts of anything on my report I have NEVER lived at the addresses provided on the reports. Please be advised I have sent 5 letters at 5 different times asking to send a revised reports with the correct information on it. 
I have sent letters to XXXX, Equifax, and XXXX  on XXXX Please address the the bureaus any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Please help me and advise how to proceed.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Reinserted previously deleted info

A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with Equifax. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with no notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX {$500.00} ) as currently listed on my credit report and as it was deleted in XX/XX/XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/2018 This collection account unlawfully appeared on my credit and I havent received any noticed from the collection agency. I am unaware what this debt is for and Im not responsible for this balance. I would like account to be deleted permanently without being sold or transferred.
Complaint sub-issue: Information belongs to someone else

CFPB Write up n 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 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 received physical therapy at XXXX XXXX XXXX in XXXX XXXX, NJ. Before going there, I checked that they took my medical insurance ( XXXX ) and that I had covered by deductible ( {$2000.00} ). XXXX told me that they never filed a claim to be paid. 

Historical Info Original CreditorXXXX XXXX - XXXX Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 4 months later, I received a bill from a collections agency called AR Resources saying that I owed $ XXXX.they reported this and it decreated my credit score from XXXX to XXXX. 
I disputed the issue via XXXX and they were basically useless. Here is what XXXX sent me as the results of the dispute : " Account previously in dispute - investigation complete, reported by data furnisher. Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/2020. '' A few months ago, i was in the process of buying a house and I couldn't be in the loan because of this issue.
Complaint sub-issue: Information belongs to someone else

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately.
Complaint sub-issue: Account information incorrect

the account that XXXXXXXX XXXX is reporting has been charged off therefore it should not have a balance it should not have a credit limit and it should not have a late payment ... also the dates on last day active are different, for transunion its XX/XX/2021 for XXXX it's XX/XX/2021 and for Equifax XX/XX/2021 XXXX conclusin the reporting of XXXX XXXX XXXX account XXXX it's totally inaccurate you have to delete this immediately there's no way this should be in my credit report!!
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, XXXX XXXX  purchased my mortgage from XXXX XXXX. 

On XX/XX/XXXX I received multiple alerts from my credit monitoring services that I had received a hard inquiry on my credit report. This was performed on Equifax Mortgage Services ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, IA XXXX ; XXXX ) on behalf of XXXX XXXX  ( XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). 

On XX/XX/XXXX or XXXX I called XXXX XXXX ( XXXX ) to report what I believed to be a fraudulent pull of my credit report. XXXX XXXX  mailed a letter dated XX/XX/XXXX indicating that they were investigating the report ; XXXX XXXX  mailed another letter dated XX/XX/XXXX indicating that they researched my account and found nothing wrong. I also received a letter in the mail dated XX/XX/XXXX " Notice to Home Loan Applicant '' with XXXX and Equifax 's contact information and my credit scores. 

I called XXXX two times on XXXX. On the first call, XXXX 's mortgage department told me that I would need to take this up directly with the credit bureau. I called XXXX  who told me I needed to request a " letter of deletion '' from XXXX or my local police station. I called XXXX again on XXXX, and the individual I spoke with indicated that they did not have a record of pulling my credit in conjunction with my existing mortgage, but that I should talk to their loan application department to see if there was a loan application there. 

I then proceeded to call Equifax Mortgage Services directly, and they told me that I'd have to request the letter of deletion from XXXX, but that they were requested to pull the credit in conjunction with my existing mortgage with the " loan number '' aka my existing mortgage with XXXX, the same loan number that XXXX denied that any credit pulls were associated with. 

At this point, XXXX is still refusing to admit that they performed a hard-inquiry on my credit report, despite it being reported on all three credit reporting sites and confirmed by their servicer, Equifax Mortgage Services.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I submitted a dispute to Equifax informing them via written letter, that they were reporting me as an authorized user, a charge off account from XXXX XXXX XXXX XXXX in the amount of {$8400.00}. I informed them that I am not responsible for this debt and to delete this account from my credit report, but they have failed to adhere to the FCRA guidelines. This debt does not belong to me and they also failed to validate that it does.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XX/XX/2022.
Complaint sub-issue: Account status incorrect

Contacted " XXXX XXXX XXXX '' on CFPB and they seem to think that their late marks on my credit report are correct. They stated that they received my Bankruptcy notice in XX/XX/2017. I filed in XX/XX/2017 so the late marks are irrelevant. They need to remove them. They stated that I have to file a complaint with one of the 3 major credit bureaus.
Complaint sub-issue: Account information incorrect

Reported balance has been incorrect for several months. Equifax is reporting a {$19000.00} balance, when it is actually approx. {$13000.00}
Complaint sub-issue: Fee problem

I am a XXXX year checking account customer of BB & T Bank . On XXXX XXXX XXXX, BB & T changed my checking account to some sort " XXXX '' status without my consent and began churning my account for an excessive {$30.00} per month Junk Fee. I receive no benefit at all in exchange for this excessive Junk Fee. 

My account will continue to be churned by BB & T for an additional {$30.00} Junk Fee every month until I close this account. 

The attached picture shows that BB & T has already charged a {$30.00} fee, while paying only XXXX cents of interest.
Complaint sub-issue: Reporting company used your report improperly

School was closed and they failed to keep communication about loans and grants after I applied for school finances. I have applied for loan forgiveness a few times, along the applying the the programs through the COVID times. At the time of my attending they said they would being closing before my degree was finished for legal matters. What I need to do to resolve this cause it is still showing up on my credit reports and accounts when I try to enroll with other schools and they fail to communicate with me. 

Student ID : XXXXXXXX
Complaint sub-issue: Billing problem

I purchased a used XXXX XXXX in late XXXX, with the first payment due for the PNC Bank auto loan in XX/XX/XXXX. Since the very first time I tried to pay online, nothing has worked correctly. I have to call in and spend time on hold every month to make my payment over the phone. Today, it was my external XXXX XXXX account that had an error message on the XXXX website. I suspect PNC is either intentionally not correcting these issues to cause people to set up PNC accounts and deposit funds for payments, or they are intentionally causing the issues for the same reason. XXXX  months is more than enough time to solve software problems, PNC has run out of time and excuses.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report dated XXXX, Equifax / XXXX / XXXX has not responded/ replied / answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Date Opened : XXXX  Balance : Balance : {$17000.00}. I believe it was reporting in error.
Complaint sub-issue: Problem with fees

I have a balance transfer balance not due until XX/XX/22. Without me asking, in XXXX, they began a " deffered interest rate '' on new purchases until XX/XX/22. When I made payments, they credited the balance transfer balance vs recent purchases. This gave me less time on my balance transfer balance! I submitted messages & made phone calls but they still wouldn't fix it. I felt this was all illegal and wrong and closed the account. I attempted another try via message. Finally somebody listened and reallocated the payments. However they then charged me a balance transfer fee! I called and the lady said she agreed it was wrong and they were having problems with their system crediting payments to wrong promotions etc etc. She would submit a request to reverse the fee. It may take 2 billing cycles! 
I have excellent credit and pay close attention to this stuff. I know others do not and they are being scammed without knowing. I really feel an investigation is needed into this company 's practices.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.
Complaint sub-issue: Account status incorrect

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report  and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Complaint sub-issue: Investigation took more than 30 days

IC System is yet to respond to my dispute which they received as of XX/XX/2020 I want this item removed from my Consumer file immediately, I have Attached Proof of certified mail delivery
Complaint sub-issue: Information belongs to someone else

Please confirm with IRS this is my last XXXX for employment. I was laid off on X/XX/2009. The Social Security Administration have this information on file with my social security number. My employer was XXXX XXXX XXXX XXXX XXXX. Their ein number is on the 2009 XXXX I sent in the attachment.
Complaint sub-issue: Personal information incorrect

Do to my understanding I can't get approved credit do unlawful activity on my credit report apply for credit card to rebuild my account history I requested to be approved
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act accounts XXXXl XXXX bank XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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: Was not notified of investigation status or results

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/ 2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Complaint sub-issue: Problem with additional products or services purchased with the loan

I LEASED A CAR WITH ISSUES AND WITHIN 2 DAYS I FOUND OUT THE CAR DIDNT HAVE A BELT ON THE ENGINE WHICH IS HAZARDOUS FOR ME MY WIFE AND KIDS THAT I HAVE IN THE CAR AND THEN WHEN THEY PUT ONE ON THERE THEY SAID THAT WAS MY 1 FREE SERVICE WHEN IT WASNT MY FAUKLT THEN THEY DIDNT FIX ENGINE PROBLEMS IN THAT ONE FREE SERVICE AND THEY WONT WORK WITH ME
Complaint sub-issue: Information belongs to someone else

XX/XX/2019 someone tried to obtain credit services from XXXX XXXX XXXX I got a notification from my credit monitoring service, I called XXXX withing minutes, they were able to stop the account from being opened, they sent me a letter the following day stating that it was fraudulent, and that I was not responsible for it. Also they stated in their letter that they will notify Equifax to take the inquiry off my credit report. I have been waiting since XXXX XXXX, I have called XXXX over XXXX times, they keep telling me that they sent out the letter for removal but Equifax tells me they have not received anything from XXXX XXXX XXXX. 
Equifax tells me they haven't gotten anything from XXXX XXXX XXXX and they redirect me back to them. Its an endless loop. 
I have filed a police report, which I will upload to you as well
Complaint sub-issue: Frequent or repeated calls

All calls started in XXXX and have continued every single day since. They call every single day 2-3 times per day and im even making payments to them the XXXX of every month yet they still keep calling all the time. i can make a payment and they call the next day about another payment. they also tell you to borrow money from friends or neighbors to pay off the debt. at this point they are harassing me and annoying me calling so much.
Complaint sub-issue: Frequent or repeated calls

" XXXX XXXX '' from Enhanced Recovery Company has contacted my place of work 21 times from XX/XX/XXXX to XX/XX/XXXX. He has contacted me, my brother, my mother, and my ex husband during that time. He claims to be a process server and in his message claims to have tried to serve me at my home. There is always someone at my home and no process server has ever been there. The debt recently showed up on my credit report even though it is a bill from XXXX that is almost 10 years old.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I received sudden emails from Citi bank credit card department that they have lowered my credit limit due to the followings : -Your payments were low on one or more of your accounts with us. 
-Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines. 
-One or more of your accounts shows a late payment or bad check with us. 

Even though I knew that none of the above are correct, still I reviewed my credit reporting and ensured that, - I have always paid my payment in full, if not more. 
-Based on the XXXX  , which is the credit bureau that Citi based their decision on, is only stating that I have used XXXX  % of my credit. 
-All of my credit payments were made on time, except one that I only paid couple of days late, which was not delinquent i.e. 30 days late. For which, I thought bank might have a grace period, which they didn't and paid the late payment fee. 

I talked the citi bank credit department rep, and she stated that she doesn't see any late payment in the sense that I paid 30 days late, and even she was surprised as why this happed. She submitted a credit limit reinstatement, but the credit department / underwriting didn't bother to review it and reinstate my credit limit and stated that they cant change their decision. 

Citi bank 's decision can impact my credit negatively and it could ruin my credit with other company. I have been working hard to keep my credit in a good shape and have never had any late payments, or credit limit drop in my life, except this one that is entirely unjust, unfair and completely discriminatory as I couldn't find any actual reason for their action.