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

There are inquiries reporting to my Credit Report that were not made by me. The inquiriesconsist of : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX XXXX, Personal Inquiry date : XX/XX/XXXX XXXX, Personal Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXXINQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX  INQUIRY : XX/XX/XXXX Creditor Date XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX BANK XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX Bank XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Threatened to sue on too old debt

I settled a debt in 2012 - the agency never reported it to the credit bureau and the debt was sold again - I have paperwork to prove I paid this debt. The new agency - is threatening me and asking when I 'll be home. I tried to call them today to send them the paperwork and they refused to talk to me. I have disputed the amount with the XXXX today. I want this to stop - I paid the dept.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. IQ DATA INTERNATIONAL IN, has violated my rights and XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. Section 604 A section 2 : It also states a consumer report agency cannont furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Talked to a third party about my debt

RAzOR Caital LLC delivered court docs ( XXXX-XXXX personal pages ) to my home simply stapled no envelope ; to a roommate and I believe my privacy rights were violated. This is because new roommate ( non relative of two weeks ) was able to have an opportunity to view docs prior to my getting home. Prior to delivery of summons, Razor opted not to work with me and insisted even with a payment arrangement we still have to go to court if not paid in full by court date. And refused to consider any settlement offer prior to violating my rights.
Complaint sub-issue: Used obscene, profane, or other abusive language

I never received a letter, email or phone call when they took over the debt back in XXXX, and it just showed up on my credit report in XXXX. They are charging me interest rates on a medical debt when the original debt collection agency ( XXXX  ) was not, and they say the interest charges will never stop if i don't pay. They refuse to take any type of settlement payment, and when i asked for a written statement disclosing the process of what happens ( he owes this much, on this payment and this is what happens after you pay, etc ) and he said no. They also told me that the derogatory mark in collections will stay there even after 7 years? ( I thought it wouldn't be considered a derogatory mark after i payed it ) He then oppressed me by saying he thinks i'm insecure because i'm asking them for confirmation they wont steal my money like so many other people claim have happened. This is completely unacceptable.
Complaint sub-issue: Information belongs to someone else

When viewing my credit report I saw information on my consumer report that I have no knowledge of so I filed a police report for the following unauthorized accounts : 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 

I filed a police report because my information was compromised after seeing my credit report I reached out to both parties and would like said alleged accounts and I would also like for all fcra guidelines to be followed sections 15 U.S. CODE 1681 B SECTIONS 609, SECTIONS 611, SECTIONS 604, AND SECTIONS 623.
Complaint sub-issue: Was not notified of investigation status or results

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Carmax Auto Finance # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.
Complaint sub-issue: Funds not received from closed account

I closed my Bank of the West account and they still processed an reoccurring scheduled transfer after my account was closed. Shouldn't all pending transfers be cancelled after the account is closed? I received an email from Bank of the West stating for external fund transfers to contact my external financial institution. I contacted XXXX today and they told me either I can file a claim. Bank of the West needs to fix this process, I should not be asking XXXX to fix their problem. They should have rejected the ACH if they noticed the account was closed. They should not have processed any transfer since the account was closed and they should be remitting the funds back since my account was closed. I should be making all these calls to fix their problem. The Transfer # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2000.00}
Complaint sub-issue: Reporting company used your report improperly

These 3 agencies XXXX, XXXX and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.
Complaint sub-issue: Account status incorrect

Jefferson Capital XXXX continues to lie to the credit agencies about a debt and I continue to request that it is removed yet they continue to change the date on this debt. To me that is criminal but at least it needs to be corrected, it is over 8 years old and was never valid in the first place.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XX/XX/XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XX/XX/XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2015 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Account status incorrect

The following information either XXXX  or Ally are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either XXXX or Ally is showing the same Ally account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
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Complaint sub-issue: Can't get other flexible options for repaying your loan

I have private student loans through XXXX from years ago, but were just sold to XXXX. However I have a variable rate for them, and I wanted to see if I could refinance them from the 11 % that they are at now to something fixed and lower. I called my service, AES and they said they just service the loans and they do n't handle those things. So I called XXXX, and they advised they no longer write student loans and my options were to find another carrier that I could refinance with. It should n't be that hard to get my loans refinanced or the terms changed so I am not paying 11 % interest. I am a good customer, I always pay on time and I have only ever requested a forbearance a couple times. Nothing habitual that should make this a difficult process.
Complaint sub-issue: Account information incorrect

I had a recent mortgage modification where it was completed roughly 45 days ago and they are still reporting the old mortgage balance and that I was late with my mortgage payments. Neither of which are accurate. I provided them with a current statement of my mortgage showing it is current and that their balances are incorrect and they refused to recognize that 3rd party documentation as proof that I am correct.
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened up a new Discover It Credit Card Account through a certified Discover link on their website stating {$150.00} bonus after purchase of {$1000.00} within 3 months of account opening.
After meeting all the eligibility criteria, I did not receive the account opening promotion bonus.
Discover is cheating me by saying that there is no such {$150.00} account opening promotional bonus. When asked to provide the proof of the same by pulling the credit card application, they said that they have insufficient information in the system. 

Discover is doing a fraud by prompting them to apply for credit card application and then followed by cheating them.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Date XX/XX/21
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, has violated mv rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 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 ;
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied XXXX to check the reason I was denied ad I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$970.00} XXXX XXXX {$12000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Car dealership ran multiple unauthorized hard inquiries without me being there on the XXXX of XXXX and on the XXXX and XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/2019 CitiCard sent me a new card--I did not ask for a new card.  The new card was never activated.  Nevertheless, my Costco membership in the amount of $XXXX was charged to the card.  As I did know the card existed and it had not been activated, I did not see the bills or pay for the unauthorized charge.  Eventually I started getting collection calls from CitiCard.  So, I paid for the membership, $XXXX, in XX/XX/2019 and asked that under these circumstances late fees and interest be waived.  They did so as of the date of my $XXXX payment.  On my check for payment, and in a letter enclosed with the check, I clearly stated that cashing the check would acknowledge that this was payment in full for all charges incurred to date. XX/XX/XXXX/XX/XX/XXXX or thereabouts CitiCard  sent me a letter saying they had waived as I requested.I am now getting bills for late charges and penalties/interest, etc. that accrued after they sent me the letter waiving same.  I have complained to Citicard and they say that I still have to pay (letter received).  They have ignored their own correspondence and my check noted payment in full for all charges incurred to date.I believe this is fraud, to charge a card not activated and pursue late fees, interest, etc. after waiving same.
Complaint sub-issue: Frequent or repeated calls

Past week and times XX/XX/18 Sunday XXXX XXXX 2 at XXXX XXXX XXXX XXXX XX/XX/18 Saturday XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/18 Friday XXXX XXXX XXXX XXXX XXXX XXXX When you answer no one talks for about a minuet. And this is really un acceptable to be calling on a Sunday all day.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent Equifax, XXXX and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave Equifax, XXXX or XXXX consent to furnish this information which is a direct violation of my federally protected rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize these inquiries
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My SS check was deposited I to my account on XX/XX/XXXX on XX/XX/XXXX I checked my balance which was {$10.00} I immediately contacted Direct Express. In between those 6 days I believe I might have purchased something for {$30.00}! It been a nightmare of me trying to contact them every XXXX weeks and having my claim denied then reopened because they said it was Pre Approved purchases which it wasnt, only pre approved would have been XXXX and I checked with them! About a month ago I called and they gave me a new authorization number and told me I would hear XXXX days and I never heard, I called Monday the XXXX and they told me they would try to send me the information online but I couldnt find it so I called back Tuesday the XXXX and asked to speak to a Supervisor and she told me my claim was closed and if I didnt agree to contact the local authorities which I did that day!
Complaint sub-issue: Information belongs to someone else

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Complaint sub-issue: Account status incorrect

Citibank has refused to correct entries in my XXXX credit report incorrectly reporting that my CITI Dividend MasterCard ( Account Number beginning XXXX XXXX XXXX ) is an Adverse Account, with a Maximum Delinquency of 30 days in XX/XX/XXXX. I had no such delinquency. I sent a fax and two letters, with documentary proof ( account statements ), asking Citibank to correct my XXXX report. The fax was sent on XX/XX/XXXX. The first of my two letters was sent on XX/XX/XXXX ; the second, a follow up letter requested by Citibank, was sent on XX/XX/XXXX. Citibank ignored my documentation, which clearly shows I had no delinquency in XX/XX/XXXX because nothing was due on my account for that month ( or for any preceding month from XX/XX/XXXX onward ). Citibank stated in its final letter to me, dated XX/XX/XXXX, that the information in [ my ] credit report is correct. 

Copies of monthly statements for my account, from XXXX back to XX/XX/XXXX, included in my XX/XX/XXXX letter to Citibank, fully demonstrate Citibanks error. Each statement shows a XXXX-balance requiring no payment. Because no payment was due, there was never a delinquency. I have attached to this complaint copies of all my correspondence with Citibank, including copies of the relevant account statements. The account statements were marked Appendix A-1 through Appendix A-4 to my AFFIDAVIT SUPPORTING MY REQUEST TO CORRECT ERROR IN XXXX REPORT, sworn to XX/XX/XXXX, which was enclosed in my XX/XX/XXXX letter to Citibank. 

I respectfully request the incorrect entries in my XXXX report be corrected to show I have no delinquency for the account in question. My perfect credit payment history will thus be restored.
Complaint sub-issue: Information is incorrect

Equifax has " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX '' as a former address of mine. I have never ever been to XXXX XXXX XXXX. I filed a dispute online 2 times, and also verbal ones over the phones a couple of times. Each time I get an email that says the dispute is " resolved ''. But the address remains. And there is no explanation from Equifax.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Credit score dropped 28 points. The only change was a XXXX payment to one of my credit cards. This alerted me to a potential problem. I called and waited over 3 hours to speak to customer service. Once they answered they told me to call back in 30 minutes because they were having system issues and could not access my records. I asked them why they did not put this in their hold messages so that people arent waiting for 3hrs. I was told they cant disclose that information. I asked if they will do this. The answer is no. I asked if they had an estimated time that the issue would be resolved. The answer was no. I asked to speak to a supervisor and asked for her name and ID number. She said they dont have supervisors and that she could not give me the ID number or anything but her first name : XXXX. I am concerned about the unexplained drop and am hoping its not due to some kind of fraud issue. This happened today XX/XX/20. At approximately XXXX.