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

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Public record information inaccurate

I have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with XXXX. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by XXXX and they refuse to remove it!
Complaint sub-issue: Debt is not yours

Someone used my personal info and rented a storage unit in my name. As you can see from the attached drivers license at the end of the lease, the signature doesn't match my drivers license. Also, it's against the FCRA to add interest onto a collection. My attached credit report has the original balance at {$890.00} and the current balance at {$890.00}.
Complaint sub-issue: Account status incorrect

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : 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: Their investigation did not fix an error on your report

I recently submitted a complaint about my 7 late payments from XXXX XXXX. They took off 4 of my 7 late payments, not all 7 because they said that the time I reached out was not in Credit acceptances timely manner, even tho when I did reach out they assured me that they would report NO late payments but still reported 7. I now still have these 3 lates that is still hurting my credit score and completely stopping me from obtaining a mortgage loan. Section 4021 of the CARES Act, Credit Protections During COVID-19, temporarily amends Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). Under this temporary amendment, an institution that makes an accommodation for one or more payments on a consumer credit obligation must report the obligation or account as current. This Act was signed in XXXX of 2020 and is effective u til the end of the Covid-19 pandemic. My remaining 3 late payments are from XXXX  2020-XXXX  2020 which meets the time frame criteria in the cares act. I am asking that credit acceptance please remove those lates as they are the only creditor reporting late payments on my credit profile, hurting any chance of my obtaining new lines of credit.
Complaint sub-issue: Debt is not yours

First of all, I have never had any service with the XXXX XXXX XXXX XXXX company. From what I understand this is a fraud from ENHANCED RECOVERY COMPANY trying to rip me off. These debt collection companies always use XXXX since it does not appear on any other credit report. It seems that any credit fraud is allowed by XXXX. I request that it be removed as it is a fraud and I have never had a relationship with this account.
Complaint sub-issue: Debt is not mine

I received a mail from National Recovery Agency ( NRA ) that claims I owe XXXX XXXX payments ( {$20.00} each ) on XXXX/XXXX/11 with total of {$61.00}. On top of these payments are the same on the same day from a utility company, the account listed does not belong to me. After the mail, I start to receive morning calls to my house every day from a woman claiming to be from NRA.
Complaint sub-issue: Information is missing that should be on the report

I downloaded the certified letter that I sent to CBNA/Home Depot which explains in detail what I'm disputing. Briefly, I bought ~$XXXX  worth of items from XXXX XXXX in XX/XX/XXXX and used my CBNA/HD card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called CBNA/HD customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by CBNA, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by CBNA.  I sent a certified letter to CBNA explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, CBNA, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at CBNA to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!
Complaint sub-issue: Can't stop withdrawals from your account

1. I have asked for, and have been repeatedly ignored, apparently, regarding overdraft protection/coverage and fees. There has to be a way to end the overdraft protection. I never asked for it, I can not afford it. 

2. I do not want unauthorized charges coming in to be overdrafted. Not in my son 's account ending in XXXX and especially in mine ending in XXXX. Especially those which I have attempted to block. 

3. Since I have asked for this repeatedly and, apparently been ignored, I am asking for a refund of {$320.00} in overdraft fees. See attached. 

4. I called in several weeks ago and asked that a charge I am not familiar with and had not authorized- be stopped and blocked. The agent on the phone said he would waive the fee and do this. 

5. I do not want my account closed. I have important authorized withdrawals coming out which are necessary to turn around my credit. 

6. I need to know which branch is the location with whom I can speak with a personal banker. I have been told that the branch in XXXX XXXX XXXX is not mine, and have been told the same at the
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit reporting act XXXX  account number - XXXX account name XXXX XXXX XXXX XXXX XXXX  XXXX account name XXXX XXXX - XXXX account name XXXX XXXX XXXX Has violated my rights. 

15 us.c 1681 section 602 A. States I have the rights 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: Investigation took more than 30 days

Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information. I am demanding that you delete this account from my report immediately as it is a violation of my rights as a federal protected consumer under title 15 usc 1681b.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the courts which have been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last XXXX XXXX, XXXX. Also, Another proof that this company did not investigate, there is a certain item on the account that I disputed and still remains as verified, correct and accurate. XXXX XXXX. If this company really did an investigation, I am interested to know how. According to XXXX : " XXXX XXXX  XXXX '' XXXX control is already out of business. So, I am quite surprised when this company claims they did an investigation and the item was verified. There is no assurance that this company really conducted an investigation.
Complaint sub-issue: Unable to open an account

I would like to link my bank account to add money for savings
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

i was charged XXXX for XXXX credit report on my credit card, i sent XXXX a letter in XX/XX/2022 to cancel theses services and called the companies phone number last year, got a computer voice that asked me to enter my social security number and said i was not a member, i sent my credit card company a copy of the letter they started a dispute and said it was insufficient, i thought sending a letter asking XXXX to cancel was good enough.
Complaint sub-issue: Card was charged for something you did not purchase with the card

An unauthorized charge appeared on our citi charge card in the amount of {$1100.00} on XX/XX/18. I immediately disputed the amount with the credit card company. I also tried to contact XXXX  to whom the charge was made. Unfortunately, it appears XXXX is unable to be contacted and only the people who can use their website are the people that sell the product. My husband or myself do not sell this product so we are unable to contact anyone at the company. We are not able to log in at all to make any purchases. 

I complained to the XXXX XXXX XXXX about the lack of communication afforded to the general population and XXXXl did contact me but refuses to reverse the charge. I also contacted Citi cards a second time to dispute the charge again. Citi card responded by saying " Due to conflicting information, we can not mandate the merchant to issue a credit to your credit card. '' Nobody is bothering to investigate this fraudulent charge which means this will occur again! If anyone investigated they will see the address where the supplies were sent and the name that was used clearly don't match. In addition, we are unable to log in to the XXXX website proving no purchases were made.
Complaint sub-issue: Reporting company used your report improperly

I have reached out to each of the consumer reporting bureaus to remove all inaccurate and invalid information from my credit reports. I have not given them my written consent to report any of these items. They stated on numerous occasions that they have verified the information, but have not provided me with any original documents or contracts. They only keep updating these inaccuracies which are causing adverse impact on my life. Each of these items is being reported with visible inaccuracies such even after my request for validation. 

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 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 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 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 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: Account status incorrect

I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge. 
For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts XXXX images attached below ). 
Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
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 accounts : -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX -DEPT OF EDUCATIONXXXX XXXX XXXX date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATION/XXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATION/XXXX XXXX ( date open XX/XX/XXXX )
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly 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 litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

My Macy 's account was closed and charged-off. Macy 's kept the account in-house and I made payment arrangements to pay the account with XXXX XXXX XXXX XXXX. For each month that I made a payment, Macys ( Citi ) continued to report the account as charged off each month. The definition of a charge off : A statement by a creditor ( = someone who is owed money ) that a debt will probably not be paid and is counted as a loss. For most account types, a charge off will occur after 180 days of missed payments. 

A charge-off can only occur ONCE in the lifetime of an account. A charge-off is a single ( singular ) statement that an account most likely will not be paid. 

Macy 's ( Citi ) Is re-reporting the original charge-off that occurred on the account every month EVEN WHEN I HAVE BEEN MAKING PAYMENTS. 
XXXX shows FP for this account every month which means Failed to Pay. On another screen in XXXX it shows CO every month for Charge off. This is NOT fair credit reporting. An account can only be charged off ONE TIME. Why does a creditor, that keeps an account in-house get to continuously report the account as a charge off every month? Not a single person from Macys, Citi or the CFPB could show me anything in writing that states If a creditor keeps your charged-off account in-house they can report the charge-off every month until paid I am going to need to see proof of that in writing effective before my accounts were charged off to agree with this process. 

Fair credit reporting is important. My account was charged-off, I take responsibility for that, and I am paying off the balance. You all need to do one-of-two things. Add a CP for charge off being paid or charge off in payment status OR only show the original singular date of charge off. THAT is accurate credit reporting. Showing FP and CO every month for accounts that are or are not being paid is malicious and spiteful. 

I dont want this changed on just my account, I want it changed for EVERYBODY and I want it retroactive for all the accounts that are impacted. My account was in good standing for 5 YEARS before I reached my financial fail and this is the payback I get for paying this account IN-FULL, balance fees interest and all. They get a tax write-off for the charge off. Do they have to pay the IRS back?? 

I want to see documentation that this creditor can perform this type of monthly negative reporting on my credit report in writing or I want all the credit reporting RETROACTIVLY changed for EVERYONE who has had this experience with any and all creditors.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days 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 ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Application denied

I applied for a Macy 's card financed through DSNB and lack of Home loan account on my report was one of the reasons cited for decline. It's seems that this is a discriminatory practice as lack of home loan does not signify credit worthiness or ability to pay.
Complaint sub-issue: Account terms

Applied to XXXX for a no-rewards credit card. Have excellent credit for over XXXX yrs., never been late ever, never missed a payment. XXXX shows my FICO score as XXXX while Equifax shows it as XXXX today, two days ago, XXXX months ago this disparity existed. I check every year all three credit reporting agencies & FICO score but last year I did not pay extra for the FICO except from XXXX. I just did a HELOC refi XXXX months ago & FICO was XXXX ( down then due to from the hard credit pull ). XXXX statement also shows FICO in XXXX usually. Experian shows credit usage low, 19 % debt to income ratio. XXXX used Equifax, which shows a FICO score of XXXX - XXXX points less than Equifax. This disparity in FICO scores is unexplained & I received a higher interest rate for the XXXX credit card due to XXXX using Equifax 's FICO score. I was told by the Equifax rep that mortgage companies use XXXX while credit card companies use Equifax. Why? I think that Equifax is treating my mortgage as a revolving line of credit since what displayed on my screen ( after I had to pay {$19.00} for it ), was " Credit Summary '' line item Mortgage shows " balance '' {$45000.00}, " available credit '' {$150000.00}, " credit limit '' {$190000.00} - this is inaccurate since it is a 15-yr fixed rate mortgage, so there is no available credit or credit limit. I can not think of any other element that would drag down my FICO score so significantly other than this. Equifax CSR told me that its score was not an actual FICO score ; rather, it was a " Risk Score. '' What? When I called back and spoke to someone else, she stated that the XXXX score was indeed a FICO score. There must be an explanation for this enormous disparity and I am chalking it up to underhanded misdealings between credit card issuers and Equifax. Please look into this starting with me. I have screen shots of both XXXX and Equifax 's reports showing my FICO score and will email it to whomever works on my case but do n't wish to post it now.