Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level.
Complaint sub-issue: Personal information incorrect

I sent a dispute a correcting my names on all 3 credit bureaus. I asked them to remove all these aliases off my report because it is damaging and unfair. And has not been fixed.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I have a Pennsylvania pua relia card from us bank. It has been locked since XX/XX/2020. Ive called customers service about 18 times and they say they cant help me and there is nothing I can do to speed it along. Ive also sent ID and selfie to there ID web page about 8 times and the card is still locked. I now have almost 4000.00 on there and haven t been able to use any of it for 2 months. This is the only income I have because I cant work because of covid.
Complaint sub-issue: Problem getting my free annual report

In setting up a fraud recovery plan with the FTC XXXX of the steps is to request a free credit report. I did this at XXXX. After filling in the required information, I requested the free report. A message was displayed that a free report had been issued on XXXX XXXX, 2016. I did not request that report on XXXX XXXX, 2016 or on any date in the past. My complaint is that I did not request this report but it was given to someone using my identity.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

I.C Systems is attempting to collect a debt on an account that I have no knowledge of & that is not mine. I also notice that the balance information for this account keeps fluctuating on my credit report.
Complaint sub-issue: Public record information inaccurate

XX/XX/2015 Is The date the XXXX credit reporting bureaus are falsely reporting a XXXX XXXX bankruptcy on my report. I have had fraud with my identity stolen in the past. I have called XXXXXXXX and they have verified no such bankruptcy was filed in my name. I have tried and submitted evidence to all XXXX bureaus and have been informed by the bankruptcy court that they do not verify information for the XXXX credit bureaus so therefore that is false information they are saying had been verified. Thank so much for any help. XXXX XXXX
Complaint sub-issue: Right to dispute notice not received

A couple months ago the company listed in the attached letter sent me a collection letter. I recognized the alleged debtor but based on my records I had return all the equipment related to that account and no debt was due. Since I had not been notified of the debt before I sent a letter requesting a verification of the debt, and instead I received a collection letter asking me for payment but no validation of the debt. I have requested validation of the debt three times but I get no response. To this day they have not responded to my requests. In addition, the company is not legally authorized to collect debts in North Carolina.
Complaint sub-issue: Reporting company used your report improperly

Company is sharing my information without my expressed consent. Which is a form of Identity Theft. I am aware that Identity Theft as described in 15 US Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using identifying information of another person without authority. Provide the SSA 89 form giving my written authorization to discuss matters that involve the use of my Social Security Number.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete the following items immediately : 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
Complaint sub-issue: Debt was paid

On XX/XX/XXXX my wife and I brought our dog to the XXXX XXXX Hospital located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. After our dog was seen by a vet, we proceeded to the front desk and checked out, as we normally do. At the desk we were given the bill, and once paid, given the discharge instructions/ care report. 

On this visit, we had a bill of {$930.00}. I handed the front desk receptionist {$930.00} USC, and was then given the discharge paperwork and left. On or about XX/XX/XXXX I received a collections letter in the mail from Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX. The collections letter stated that I owed them {$990.00} based upon a collections debt from XXXX XXXX Hospital. I immediately contacted Hunter Warfield to discuss this letter. Ms. XXXX XXXX from Hunter Warfield advised me that their company was hired by XXXX XXXX Hospital from collection procedures. I advised Ms. XXXX that I paid this bill the date my dog was seen. Ms. XXXX advised me that I needed to contact XXXX XXXX Hospital as they have this as an " active '' debt. 

I contacted XXXX XXXX who advised me that I needed to contact their corporate office as they have nothing to do with this anymore. I attempted to locate a phone number for their corporate office, however was unable to find one. I was able to send the corporate headquarters an email, to which I did on or about XX/XX/XXXX. In this email I explained what transpired, to which I received an email back from the XXXX XXXX XXXX on XX/XX/XXXX stating that they will respond to me as soon as they can. Since that date I have not heard back from them. Today XX/XX/XXXX, I received another letter in the mail from Hunter Warfield again harassing me for " collections ''. 

As I advised both XXXX XXXX Hospital, and Hunter Warfield collections, I paid this debt, in full ( cash ) on the date of service. I also described in my email the description of the employee who took the money from me. 

In sum, this debt has been satisfied by way of payment in full on the date of service, and this collections notice is false/ incorrect.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do no recognize to following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.
Complaint sub-issue: Other problem

I was measured by a tailor in the USA for a custom suit to be sent from XXXX for {$650.00}. The suit had a defect in material and was very ill-fitting and impossible to wear. I had a suit made from the same company more than ten years ago, was completely satisfied and wore it to the appointment for measuring. I asked the merchant to send prepaid return label as it would cost me at least {$100.00}. to send it back. Merchant said no. I asked Citi Bank to dispute the charge. We went back and forth with credits and reversals over the course of many months. Citi finally says no because I supposedly signed something with merchant saying I will responsible tor return charge. I only recall signing the credit card authorization. Citi resolution team suggested that they did not receive pictures that I sent them and that pictures were not necessary The picture would show defect in the material and this would be a valid reason for a credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and 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 for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately
Complaint sub-issue: Account information incorrect

Called to schedule payment and gave them the account information and the account number wasnt correct and the payment never went through agent was working remotely and had terrible phone service I requested them to fix this and they never did.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

this showed up on my report and I have no idea where it came from. this should not be on my report as I am very careful with making and inquiries hard or soft. 

Institution Information CBCINNOVIS XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Complaint sub-issue: Information is missing that should be on the report

I have 2 XXXX  XXXX credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.
Complaint sub-issue: Information belongs to someone else

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are  unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 
Inquiry : XXXX Date of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 XXXX XXXXDate of Inquiry : XX/XX/2018
Complaint sub-issue: Information belongs to someone else

This account isn't mines and I did not authorize these inquires. I wish for them to be removed and blocked from my credit report immediately because they are hurting my character. I have worked hard to build my credit and I would like for the consumer reporting agencies to do their job and not furnish deceptive information to my credit reports. I am working on building a non-profit community for battered women and this is holding me back. Please help me, as a consumer, I'm begging someone to hold these companies accountable for violating my consumer rights with inaccurate information, abusing my privacy, allowing my character to be hurt without my consent.
Complaint sub-issue: Account status incorrect

I co-signed on a vehicle. During the last week of XX/XX/XXXX I was notified that there were 3 missed payments on the account. Once I heard there were 3 missed payments I went into XXXX and submitted a payment on XX/XX/XXXX for the 3 missed payments plus XXXX 's payment in the amount of {$1200.00}. The monthly payment amount is {$300.00}. 

Payments following have been made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. XXXX is reporting the account as not current/missed payments for every month since XX/XX/XXXX. This has dropped my credit score by nearly XXXX points and they will do nothing to report this information correctly. I am not question 3 payments were missed by the party I co-signed for but I have email from a representative from XXXX stating the account is now current and that they would only report 2 missed payments on my credit report which they have not done. XXXX is showing 8 missed/late payments on my credit report and that the account is not current.
Complaint sub-issue: Information belongs to someone else

Equifax continues to report a fraudulent account on my credit report that does not belong to me. For this reason, I have been denied credit. They are in violation of the FCRA and I plan to sue.
Complaint sub-issue: Debt was paid

During the pandemic starting in the beginning of 2020, I was so behind on bills. My employment suffered which made things not better. I also caught Covid 19 as well. But I do remember a settlement letter from XXXX XXXX XXXX who represents BEST BUY about settling the account for XXXX. I immediately jumped on it because I had to catch up. It took me 4 payments and I even got a letter from them stating that it's paid. On my credit report though it states that they closed the account and charged the amount off, but it still saying XXXX dollars is still past due. INACCURATE. I had a similar debt with XXXX XXXX in which I also settled with them. They closed it and there is no balance due showing on my report. So why can't BEST BUY do the same. I just want it show closed with XXXX balance
Complaint sub-issue: Debt was paid

My name is XXXX XXXX I was sent by mail this notice from Jefferson Capital system LLC on  XX/XX/2019. Which arrived to me on XX/XX/2019 them amount is in the sum of {$150.00} but has been reduced to an offer of {$93.00}. On that day of XX/XX/2019 I have contacted there customer service department and explained to them that the XXXX XXXX XXXX in question was paid off and the account has been closed. For well over 10 years and not been sent any notices of payment from Jefferson Capital. during that time frame.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I am writing to express my concerns about a recent incident I experienced with your company. I purchased a XXXX XXXX XXXX on XX/XX/XXXX with a down payment of {$800.00} shortly after purchasing this vehicle I started experiencing problems. There was a very loud noise coming from the front end of my car when accelerating. Due to the holidays and XXXX being backed up I was unable to get an appointment til A few weeks later. I took my vehicle to XXXX XXXX on XXXX XXXX in XXXX to receive a diagnostic on my vehicle. After leaving my car at XXXX for 8 hours, a full business day the mechanic at XXXX informed me that the noise was coming from the car being low on oil. Silver rock then advised him to check my car for any leaks and to change the oil on my car however they were not covering the costs for the oil change. After advising the mechanic that I didn't have the money at the time for the oil change he refused to check my car for any leaks and stated that my car just needed oil. I took my car to be serviced for an oil change and a few weeks after my car completely stopped on my way to work. I checked my car for oil and there was no oil in my vehicle. Shortly after this incident I reached out to XXXX rock regarding this manner who advised me to take it to XXXX XXXX. Once I arrived at XXXX XXXX I explained to them my concern with my car and a diagnostic on my car and stated that it could be an internal problem with my engine. They also were unable to service my vehicle. This has been more than an inconvenience to me. I have missed work and class due to me not having a reliable vehicle that I have paid my money for. I also paid for a warranty through your company whos also very unreliable. I have had to call them multiple times just to get the costs covered for work that wasnt done on my car due to the miscommunication between them and the mechanics. Since I purchased my car it has been at least 4 different repairs and I'm still having the same issues. As a customer I am very disappointed.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not received from closed account

in XX/XX/XXXX citi bank closed my account without giving me any notice. and it's been 4 month i stilll didn't get any notice from citi bank and my money back. I called their customer service right after i found out my account is closed.they told me they closed my account and it refund me my money ( {$21000.00} ) in check. But i didn't receive anything yet. everytime i called they told me to wait 14 days. I am keep waiting they never send anything. If i call customer service they tell me to go bank so they can issue me a check. when i go to bank they told me they can't issue a check i have to call customer service. They are harassing me a lot. I'm so broken in mentally. And i'm in XXXX because of their harassment. everytime i call them they harass me telling me they don't find me in system. and hang up on me. When i called back and report this they told me they don't know why old agent told me they can't find me. I'm so disturbed. One time they told me they don't see my money. Later i called them again they told me they see it and they will refund me. But it's been 4 month they didn't refund me. Now they are telling me they won't give me my money back. they said they send the check once if i don't receive it. it's not their problem they wont give me money. I don't know what to do. I haven't pay for college, rent and and have no saving for my family. I'm XXXX  lost please help me.everytime i called them they told me they will send me a check of {$21000.00} my full amount. but they never did. i'm a XXXX  and college already started i couldn't pay for it. since citi bank stole all my money.
Complaint sub-issue: Information belongs to someone else

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX  XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$22000.00}
Complaint sub-issue: Reporting company used your report improperly

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2020.