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

A couple of years ago, I had a catastrophic event that prevented me from paying my Discover card bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that Discover reported me as deceased. I have tried to contact Discover to correct the issue, and I have reported the error to XXXX  and XXXX, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.
Complaint sub-issue: Account information incorrect

I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX XXXX knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with XXXX, Equifax and XXXX. All agree this is an error but can not stop XXXX XXXX 's reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX   continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.
Complaint sub-issue: Was not notified of investigation status or results

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to verify everything in my credit report, and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

INFORMATION Inquiries are not currently disputable online through the Dispute Center. If you believe an inquiry is the result of identity theft, the inquiry can be disputed by phone through an XXXX Specialist by  calling XXXX. 

SORT BY Recent Alphabetical Hard Inquiriesshow tooltip button XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX - XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX   This inquiry is scheduled to continue on record untilXX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Complaint sub-issue: Information belongs to someone else

If you take a look at my credit report you will see open accounts i never had like   XXXX     XXXX   XXXX ,  XXXX ,   XXXX   XXXX   in   XXXX   and other inquiries from other states i never been to i dont understand why my credit score dropped so much because of false inquiries thats not even mine i believe someone stole my identity and i swear to you those accounts are not mine please take some time to review my report and call me to my mobile phone if you need any information regarding my case please and thank you i really want my credit score back up and good  XXXX  yours sincerely  XXXX   XXXX   XXXX
Complaint sub-issue: Account status incorrect

there is a hard inquiry from XXXX/CBNA which does not belong to me. iv tried to contact them and i have not been able to get anyone on the phone. this is hurting my score and i am not able to get approved for a mortgage.
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX company should not have reported a late payment on my account, that was their error and I have been trying to resolve it for months. They should not be reporting this whatsoever and it's annoying that it's still on my credit report, still.
Complaint sub-issue: Information belongs to someone else

XXXX breach caused my ftc violation XXXX XXXX 2 accounts elan financial sent the police report with all ftc violation j
Complaint sub-issue: Debt is not yours

I requested validation of this alleged debt many times from the companies reporting the debt, such as XXXX XXXX and XXXX. The original creditor Mohela could not provide proof of the debt in which it was removed from XXXX and XXXX, However XXXX has failed to provide me with any valid documentation supporting the alleged debt. The original creditor is Mohela and the account number is # XXXX. According to the FCRA proof of this debt is required in order to report it to the credit bureaus. I have filed a police report in regards to this fraudulent activity and I have not been notified by either party involved with my compliant.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX 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 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: Personal information

My credit information shows an address that I have NEVER lived at & it 's been on there for years. I could never find a way to dispute it. The address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This needs to be removed from my credit information & anything connected to that address. 
Thanks, XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

my equifax credit report dropped 57 points overnight. The report stated that I had been late 9 times with an XXXX account. I contacted XXXX, they stated that I have been on time with the payment ( taken out of my checking account each month ) since 2012 and I am actually ahead on the account. XXXX did not send any negative information regarding the account. 

On the equifax account marks in a calendar format that I have been late on a loan, but on another equifax document shows that I have not been late on any loan. 

XXXX XXXX showed in their credit report that everything was fine and my credit actually went up 3 points. 

It should be an easy fix. I have not been late paying any of my accounts. 

Thank you for assisting me on this frustrating issue. 
*I do not have any documentation because I have never received any late notices on any of my accounts*
Complaint sub-issue: Company closed your account

On or around XX/XX/XXXX, I reviewed my credit report The Macy 's account was closed on my report. I was concerned because i previously spoke to a representation on XXXX who told me if I made a payment of {$160.00} that my account would not be closed. My report shows on XX/XX/XXXX the account was closed. XX/XX/XXXX, a XXXX called from Macys again threatened me if i do not make a payment by XX/XX/XXXX that y account would be closed. I verified with a credit counselor that the account is in fact. I explained back in XXXX that I was going through a divorce and had an apartment fire in XXXX. I was really hopping that they would have kept my account open since i recently paid off half of my account in XX/XX/XXXX. It's unfortunate that Macy; decided to not help and chose to make it worst.
Complaint sub-issue: Information belongs to someone else

I would like to Dispute these Account I did not Authorize or give any consent to these companies on my Accounts
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from Best Buy Credit Services, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such Credit Service provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.
Complaint sub-issue: Company closed your account

For the reason that has not been revealed to me, US Bank has frozen my account and is closing it. I have attempted to close my account at the local branch where it was opened. They will not close the account. After numerous calls to US Bank, I was informed that it would take them 45 days to close the account and release my funds. This is ridiculous, and the resources the bank has frozen are resources that I use for my everyday living expenses.
Complaint sub-issue: Account information incorrect

In XXXX I sent a letter to XXXX XXXX XXXX XXXX agency to inform them that I am not aware of an account with them when I noticed they were reporting on my credit report. 
Account was then sold to XXXX XXXX  in XX/XX/XXXX in which XXXX XXXX  claimed I owed them money as well. I explained to XXXX XXXX  that I did not have an account with XXXX  but XXXX also started reporting on my credit report. XXXX XXXX  is currently on my credit report twice with two separate account numbers for the same supposed original creditor ( in which I explained to them, that I have no knowledge of the original creditor ). 
As of today, XX/XX/XXXX, I have been contacted by XXXX XXXX services that they are now in receipt of the account from XXXX XXXX, in which again I do not acknowledge having received any credit from XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED HAS BEEN DAMAGING MY CREDIT AND HAS BEEN HURTING MY NAME IN THE SYSTEM. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE, INVESTIGATE THIS MATTER AND HAVE THOSE DEBTS OF FMY CREDIT FILE FOR THEY HAVE WERE NOT AUTHORIZED MY ME.
Complaint sub-issue: Was not notified of investigation status or results

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as son. so please help me while I move forward with helping my family thanks.
Complaint sub-issue: Didn't receive enough information to verify debt

Tried calling the company on XX/XX/21 to go over account was advise that they sent out notice and a settlement offer advise did not receive! Ask to provide information and was advise they will not! And do not have to go over that information! Asked for a higher representative and was advise no! Rep on the line then advice she is a supervisor ( which goes against udapp : miss representation ) then I was placed on hold for at least 5 minutes! Tired to call back and was passed around the company just advise pay your bill! And that they will just advise Im refusing to pay advise the reason for the call is to resolve advise then pay thats how I can resolve bill. Advise Im trying to get an understanding of my account and was advise as long as I understand that the balance is due nothing else is important PAY YOUR BILL no need to talk about anything else and the call was disconnected.
Complaint sub-issue: Problem with personal statement of dispute

My Issue is that my credit score which access through my bank 's application show different figures than what a Mortgage company recently run my credit score as I'm applying for Mortgage, to more clarify the Issue, my credit score that I see on my XXXX XXXX APP SHOWS THAT MY SCORE IS XXXX ALSO MY SCORE WHICH I SEE ON THE XXXX XXXX APP IS XXXX AND THE SCORE I SEE ON XXXX XXXX  APP SHOWS XXXX BUT WHEN i APPLIED FOR MORTGAGE THROGH A MORTGAGE COMPANY CALLED XXXX XXXX XXXX THEY ADVISED ME THAT MY CREDIT SCORE IS XXXX THROUGH XXXX, THIS IS REALLY CONFUSING BECAUSE ITS ALMOST XXXX POINTS LESS THAN WHAT I SEE ON MY BANK 'S APPLICATION I REALLY NEED EXPLANATION AS THIS IS AFFECTING MY LIFE DUE TO THAT FACT THE MORTATGE COMPANY MADE ME STUCH IN FHA LOAN ONLY FOR CERTAIN AMOUNT THAT CAN'T QUALIFY ME TO FIND A HOUSE TO LIVE IN I REALLY NEED TO KNOW WHAT IS MY REAL SCORE IS THIS THERE IS A BIG GAPE BETWEEN WHAT THE BANK APPLICATION SHOWED ME AND THE MORTGAGGE COMPANY. 
IF I HAVE A PROBLEM ON MY CREDIT REPORT THEN I NEED IT TO BE FIXED HOWEVER IF MY CREDIT REPORT IS MATCHING WHAT MY BANK 'S APP SHOWS THEN I NEED A PROVE WHICH IS GOING TO HELP GET MY PREAPPROVAL OF THE MY MORTAGAGE RAISED AND CONVERTED TO CONENTIONAL LOAN
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Reporting company used your report improperly

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX 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 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: Reporting company used your report improperly

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Complaint sub-issue: Account status incorrect

I purchased a computer with a citi bank/Best buy credit card in XXXX and paid it off within the promo period in XXXX, my account was hacked and there were several fraudulent purchases. Eventually the charges were removed and I closed the account. Now, I'm having issues buying a home because they are still reporting late payments from XXXX on my credit bureaus. Ive called Best Buy numerous times over the last 3 months to get this resolved. Nothing has changed on my credit report and they refuse to provide a letter stating that there were no late payments. They directed me to have the lender call for a verbal confirmation but wouldnt provide a direct number.
Complaint sub-issue: Old information reappears or never goes away

I have an account reporting on my credit from XXXX XXXX. The original creditor is XXXX, and it says the debt is from XXXX. I haven't had XXXX since XXXX, and I don't believe I owed them anything. Either way, that's past the statute of limitation, and should not be showing on my credit report.
Complaint sub-issue: Information belongs to someone else

The credit bureaus are failing to remove inquiries that are not mine I have already disputed with them even sent in ftc report and they refused to remove them which is negatively effecting my credit report the inquiries are attached below as well as h The ftc report
Complaint sub-issue: Account information incorrect

I have sent several letters to the credit bureau agencies, and they have failed to comply with my investigation request. They will remove an item and re-insert it without providing me with any proof of verification.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Information belongs to someone else

on XXXX/XXXXXXXX21 I sent a dispute lettet in explaining the incorrect and in accurate information on my consumer report, as of today nothing has been done
Complaint sub-issue: Information is not mine

I have sent several letters to Equifax disputing items on my credit file that do not belong to me. The Inquiries was XXXX of them. I was a victim of identity theft and somehow my personal information was stolen. Please help me to get these unauthorized inquiries remove from my credit file. Please remove unauthorized Inquiries from XXXX XXXX to XXXX XXXX.
Complaint sub-issue: Debt is not yours

I want to dispute a debt that, I just saw on my credit report. The debt is not mines. It is from XXXX XXXX XXXX originally from XXXX dated XX/XX/2017 for the amount of {$860.00}. Please remove it from my credit I do not owe this debt, the debt is not mine. Thank You
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit it has been well over 30 days and I havent received any investigation results.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX 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 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.