Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

On XXXX paid XXXX in full for removal. XXXX has removed it XXXX has removed equifax has not it has been disputed many of many times in 2022. Equifax has not looked into dispute because it would have been removed
Complaint sub-issue: Information belongs to someone else

Inquiry is inaccurate, I never authorized an inquiry in XXXX for " XXXX XXXX XXXX  ''. Fraudulent, was not me.
Complaint sub-issue: Account status incorrect

XXXX   XXXX   XXXX   and I  agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in  XXXX   XXXX  we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to  XXXX   XXXX   XXXX , please see the attached payment history with shows every payment that I have made on this account since  XXXX   XXXX ,  XXXX . Unfortunately,  XXXX   XXXX   XXXX  is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on  XXXX   XXXX . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $  XXXX due  XXXX  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,  XXXX   XXXX   XXXX  is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The Company identifies itself as Conns Home Services. They call from multiple numbers 4-6 times a day. They ask for a person I have never heard of. I have told them repeatedly that they have the wrong number and have instructed them to stop calling. Then they tell me that I must verify my personal information or they wont remove me from their list. I have blocked two different numbers that they call from, but they still call.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had a trial subscription to a newsletter from XXXX XXXX. He runs a site his view of investments and the stock market. The invitation clearly showed that if I was unhappy and closed the account before the end of 30 days, my {$99.00} would be refunded. I cancelled the account before 30 days were over, but they company said that they no longer offered refunds. I filed a dispute with Citibank, which owned the card that I used to for payment .I received an email from Citi this week. The email said that they needed more information and referred me to their website. There was no information at the website. I called up Citi and  they told me that the information would not be available until Monday, even though the email did not say anything about this. THe agent told me that I could send the info by email They needed the letter of cancellation and the invite that showed they offered a refund. Unfortunately, the agent gave me an email address that does not work. I am tired of spending all time needed to get Citi to respond to this dispute. I just called Citi again and their computers are down now. Their service has deteriorated dramatically.
Complaint sub-issue: Information belongs to someone else

As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX XXXX XXXX  XXXX {$950.00} XXXX/XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I opened a dispute with several accounts with XXXX explaining that I didn't authorize the transactions. They then updated my credit profile with no resolution or change on XX/XX/2022. They are in violation of 15 US Code 1681I - Procedure in case of disputed accuracy. Their investigation was done in an improper manner. They didnt reach the right results. They left me with false credit reporting. I asked them to provide me with whom you talked to at these companies and to provide me with original credit documents and or evidence confirming that these reportings made by these companies of reference are legitimate and were validated by me. They, for the 2nd time, closed my dispute and didn't provide me with any proof and just left me with reportings again. It's already been more than 60 days and with no resolution nor did they send me anything in the mail. I am now demanding they remove it since they had more than enough time to investigate it and to provide me with what i was asking for. The companies in question are : XXXX XXXX  XXXX - {$300.00} XXXX XXXX XXXX XXXX - {$610.00} XXXXXXXX XXXX XXXX - {$2600.00} XXXX XXXX XXXX XXXX  XXXX - {$300.00} XXXX XXXX XXXX  XXXX - {$990.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX- {$460.00} XXXX - {$900.00} XXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX - {$140.00} Remove them now. you are violating my rights and now its consider fraud.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX  # XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. There are fraudulent accounts on my credit report. I completed an ftc identity theft report.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX XXXX ] a natural person , consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 

In accordance with the fair credit reporting act XXXX  XXXX XXXX account # XXXX  has violated my rights.

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

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





Kind regards, XXXX XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Complaint sub-issue: Investigation took more than 30 days

Following accounts have been disputed sine XX/XX/XXXX with no response but to send additional verification which was well over the 30 days from my first letter. I sent the proper documentation in my dispute XX/XX/XXXX and feel this is just a stall tactic as they waited almost 2 months to even ask me for additional information Dispute for the following items was sent on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX XXXX {$1000.00} This account is still questionable since my dispute on XX/XX/XXXX with no response. High balance still showing {$1000.00} on Equifax when XXXX shows {$0.00}. Also shows that this was transferred or sold and does not indicate who it was sold to which is a requirement. Date of last payment on Equifax shows XX/XX/XXXX but on XXXX and XXXX it shows XX/XX/XXXX. Payment history is also incomplete and does not show any negative remarks No disputed notes on this account as well which is a violation. No disputed notes on this account as well which is a violation. 

XXXX XXXX {$620.00} This account is still questionable since my dispute on XX/XX/XXXX with no response and see changes where made and I was not given any information on why or how the information can now be different. On my report on XX/XX/XXXX the date reported was XX/XX/XXXX and now you have a date reported of XX/XX/XXXX. Date of last active shows XX/XX/XXXX with payment date of XX/XX/XXXX but on my report on XX/XX/XXXX the date of the last payment was XX/XX/XXXX. How is all this information now different and I have still yet to get any information on your investigation. 

XXXX {$1800.00} This account is still questionable since my two other disputes that I have not gotten a response on. One of the items in question is this account payment status is Late 120 Days with a payment history of Okay from XX/XX/XXXX thru XX/XX/XXXX the jumps to XX/XX/XXXX 120 days. Past due balance shows {$1100.00} on Equifax and has {$730.00} past due on XXXX  and XXXX There isn't even a dispute remark on this account. 

XXXX {$13000.00} This account is still questionable since my two other disputes that I have not gotten a response on. One of the items in question is this account payment status is Late 120 Days with a payment history of Okay from XX/XX/XXXX thru XX/XX/XXXX the jumps to 120 day in XX/XX/XXXX. Past due balance shows {$12000.00} in my XX/XX/XXXX reported with a date of last active of XX/XX/XXXX and now the Past due balance is {$12000.00} with the date of last active XX/XX/XXXX on my XX/XX/XXXX report. How does any of this information add up to be true. Please remove this errores unverified account immediately.No disputed notes on this account as well which is a violation.
Complaint sub-issue: Information belongs to someone else

I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent inquires came to be I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent accounts came to be. I have not authorized misuse of my personal or any information have never received any benefits of the product, or services. I filed a police report in XXXX and I filed a complaint with the Federal Trade Commission about this matter.
Complaint sub-issue: Information belongs to someone else

I see inquiries on my report that shouldnt be there there from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021
Complaint sub-issue: Transaction was not authorized

I was scammed by people who were presenting themselves as loan representatives on the internet. It started about the middle of XXXX. They had a web page that appeared to be official. They used the name XXXX XXXX XXXX or XXXX XXXX. One phone number was ( XXXX. The number they used when they called me was ( XXXX ). I filled out a loan application on line and put my Banking information on the form. They contacted me and said they were going to approve me for a loan. They then said they had checked my credit score and it was not where they wanted it to be. They said that they would deposit money into my account and I was suppose to send it back to them. What I did n't know was they had attached a device and was putting money into my account using bogus checks from all over the country, they were doing this at the same time they were dealing with me over the phone. A check for XXXX from XXXX XXXX XXXX was put in. Another check for XXXX from XXXX XXXX and one more from XXXX XXXX for XXXX. The last check which was n't from the same place as the others was from XXXX XXXX for XXXX dollars. I went to my bank TCF bank and told them about this. The assistant manager knew that this was a scan and did not act in a timely manner.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This information reporting agency, is reporting inaccurate information of my behalf, it is a defamation of character, and a hinderence of me getting approved for loans, credit card, utilities, etc. It is not an accurate reflection of my true credit worthiness. I have tried to resolve this issue with the agency multiple times, I have sent two seperate letters before filing this complaint on this matter. They will not comply with the law. They will not cooperate with me to resolve this matter. I wrote a letter to this agency stating that the followings items were reported inaccurately on my credit report- account- XXXX  XXXX XXXX {$3200.00}, XXXX XXXX  XXXX {$10000.00} XXXX Bank of XXXX {$1300.00} XXXX They said it was verfied as accurate reporting which is false, then I wrote a second letter asking them for the method of verification which under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they must provide that information to me, and they refuse to not provide this information and still will not remove the unveriable items.
Complaint sub-issue: Information belongs to someone else

I have come here to this site hoping someone can help me with XXXX XXXX. I let them know that I had things appear on my credit that was not mine & had no clue who applied for this. I have been a victim of identity theft. I am having a hard time trying to get the things that don't belong to me deleted. I have called all the companies and bureaus several time without any changes. This issue should have been taken care of the first time I told them I had a problem. Please help me get this information deleted from my credit report. I sent in a copy of my police report, ID and social security card.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED 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 XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This compliant will serve as notice to Equifax that a lawsuit will be filed against you. On XXXX, XXXX, 2020. I requested Equifax to please research and investigate a problem on my credit report involving an account : XXXX XXXX # XXXX This account above is listed on my credit report as fraudulent and does not belong to me! Equifax sent me a letter 30 days later that arrived to me on XX/XX/2020 saying that " Equifax has verified - XXXX/XXXX  XXXX # XXXX - account belongs to me. '' I send out another letter on XX/XX/2020 to Equifax for the method that Equifax used to determine its findings. As per the FCRA, I requested for Equifax to send me this information within 15 days based on the information it used from the previous 30 day investigation. 

Equifax still has 15 days to send me these finds per the FCRA from the date received. Per the XXXX Tracking ID : XXXX from Certified mail with return receipt, this letter was **DELIVERED & SIGNED, XX/XX/2020 XXXX pm, XXXX , GA, XXXX. 

Equifax has until XX/XX/2020 to send this request per the FCRA. 

Today, XX/XX/2020 I received a letter from Equifax stating that they could not match my information per Category 1 ) IDENTIFICATION, and I needed to send my social security card in with ID. 

On XX/XX/XXXX, and XX/XX/XXXX, a drivers license along with my social security card was submitted with my requests. 

Equifax is showing that they WILL NOT investigate my request per the law as this information was already sent. THIS IS A VIOLATION. 

All correspondence from Equifax has been recorded, and will be used in my lawsuit against Equifax for violating my rights under the FCRA. 

Equifax this is my FINAL request for you to DELETE this fraudulent account that does not belong to me by XX/XX/2020 or send me the information that Equifax used to verify this fraudulent account by XX/XX/2020 or a lawsuit will be filed against you! 

Attached files will show all letters send by me that INCLUDES my drivers license and SSN.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just noticed unauthorized inquires reporting on my credit report and i tried to call the credit bureaus to dispute them and was told they can stay on my file for two years but i did not ask for my credit to get pulled.
Complaint sub-issue: Account status incorrect

CBNA is reporting erroneous lates on my credit file. They are reporting lates for the XX/XX/20, XX/XX/20, XX/XX/20. When I opened this card I was told there was some fees which was completely fine but i didnt know that they would charge me right away. If i were aware of these charges i would have paid them to avoid the late notations on this card. If you look at my file you can see that i never even used this card or added a balance other than your fees. I never received any letters, calls, or notices about the charges or the late payments until i pulled my credit and saw this account was delinquent. I called and paid it immediately and called to see where the balance came from and that's when i was advised it was the service fee that i was told i would not be charged right away! I need these lates if not the WHOLE account removed from my credit file. I keep all my accounts in good standing and this account has ruined my credit. I need it removed ASAP
Complaint sub-issue: Information belongs to someone else

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.