Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your 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 XXXXXXXX, 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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: Information belongs to someone else

Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Fee problem

I enrolled in the Citi Priority checking offer on XXXX, 2022 that promised XXXX XXXX XXXX XXXX points if certain activities were performed in the initial 60 day period such as making a deposit, paying 2 bills and making {$750.00} of payments using the assotiated debit card. 

On XX/XX/2022 I called Citi to ask if I had fulfilled all my obligations to receive this benefot and was told yes, and that points would be deposited in my XXXX account shortly. 

On XX/XX/ 2022 I called back to inquire about the points not having been deposited and was told that I also needed to keep a balance for a 60 day period - which was not something I was informed of on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

Please correct my personal information on my credit report. Attached is a copy of a bill along with a copy of my drivers license displaying my correct address. The only address that is valid on my credit report is : XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
The correct spelling of my name is : XXXX XXXX XXXX My employer information should be : XXXX XXXX ALL OTHER ADDRESSES OTHER THAN WHAT IS LISTED ABOVE AND STATED ON MY DRIVERS LICENSE ARE INCORRECT AND NEED TO BE REMOVED ACCORDING TO THE FAIR CREDIT REPORTING ACT AND : 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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: Credit inquiries on your report that you don't recognize

These are fraudulent inquiries and I have tried to reach out to equifax to have them removed. These are the following involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I am not sure when this contract may of been written and I have NOT RECIEVED ANY DOCUMENTION OR CALLS DIRECTLY. They have called my XXXX - however, he would not be the account holder. 

I 'm requesting for this debt to be removed from my credit report immediately. The dates listed on XXXX XXXX do n't match - XX/XX/XXXX. 

I 've been covered on another cellular plan for the past 3 years - therefore, I do n't think this debt is mine. 

I am trying to move on in life - but, these types of debts are holding me back. 

Thank you for your consideration to my request.
Complaint sub-issue: Information belongs to someone else

I just checked my credit score, and I noticed that it was lowered. I then checked my report and noticed that creditor pulled my credit report without my authorization i dont think that is legal, can the creditor pull your credit report when you did not give them permission? If they cant I need you delete this unauthorized inquiry. I have listed the inquiry bellow. 

ally financial XXXX I never authorized there inquiries ally financial XXXX. I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XX/XX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX cardXX/XX/XXXX I never authorized there inquiries XXXX XXXX XXXX XXXXXXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXXXXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX/XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX/XXXXXX/XX/XXXX I never authorized there inquiries XXXX cards XXXX XXXX I never authorized there inquiries How long will it take before this inquiry is remove from my credit report so my score will go back up, because im trying to get approved for something.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX o XXXX XXXX XXXX XXXX XXXX CA XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX o XXXX  XXXX XXXX Balance : {$0.00} o XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX o XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX reporting in accurate information on my credit report which has affected my credit score. XXXX XXXX reported on multiple times to all credit bureaus in accurate information. They reported with XXXX and XXXX that for the month of XX/XX/XXXX that I was 90 days late but with Equifax they reported that I was 120 days late. For the month of XX/XX/XXXX they reported with all three credit bureaus that I was 120 days late. For the month of XX/XX/XXXX they reported with XXXX that I was 120 days, XXXX that I was 150 days late and with Equifax that I made payment on time. XXXX XXXX has reported on all my accounts with them in accurate payment his. I have also made three complaints with credit bureaus to resolve these inaccurate reporting but I was always informed that the information is reporting accurately. I have attached my credit report to reflect the inaccurate information being reported.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX has reported information on all three credit bureaus that I have a collection account and my payment status has been past due. I contacted them on XX/XX/XXXX and spoke with XXXX who assured me they were going to do a manual update to correct this with the credit bureaus. She stated it would be 48 hours. She also reassured me that my account was never past due and account was allways in good standing. The information on my reports were wrong. She would have this corrected ASAP! And still has not been completed. This account was paid in full and satisfactory in XXXX
Complaint sub-issue: Information belongs to someone else

I have filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XXXX, XXXX & Equifax to have XXXX XXXX removed off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which is inaccurate, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all three credit bureaus.
Complaint sub-issue: Reinserted previously deleted info

XXXX XXXX XXXX had placed an inadequate collection account on my credit reports in the amount of {$55.00} from XXXX XXXX, Account # XXXX, XXXX, Equifax and now XXXX. I called XXXX and told them this was incorrect and I talked with a supervisor on XXXX/XXXX/XXXX and she immediately removed this account : I call Equifax and told them that this was not correct and it should be removed that XXXX had removed this and they stated that they could not remove, only XXXX Collections could. I could dispute it so, I had XXXX Law dispute and two day later it was verified by XXXX that it was mine and they would not remove it, I asked how was it verified and he ( Eqyuifax ) would not tell me. I stated that this was old XXXX XXXX and it had been on my report before and had been removed years ago and they still refused to take this off, ( it would be due to come off in XXXX XXXX ). Now they have put it on my XXXX report, I called XXXX on XXXX/XXXX/XXXX and they refuse to take this off also. XXXX received this bill in XXXX and placed on my credit reports back then I had it removed. On XXXX/XXXX/XXXX I paid XXXX XXXX ( receipt attached ). They stated everything was paid but XXXX so if I had a bill for the XXXX XXXX it should have been paid from of that money. I have asked XXXX Collections to provide me with a list of what I have paid and so far I have not received anything. Why can XXXX XXXX see that it is not correct and remove it and the others can not. My credit is being ruined by these XXXX companies.
Complaint sub-issue: Fees charged for closing account

I went to the bank and said I wanted to close the account. I withdraw all the funds. I Then got two statements charging me {$15.00} each time for maintenance because I was awarded interest, and now I have a negative balance for an account I closed. I would like my interest back as well as my return of maintanence fees.
Complaint sub-issue: Account status incorrect

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

XXXX trying to charge me for shipping charges on a shipment they lost. Total amount of the charge was {$320.00}. I just received another threatening letter from them. The XXXX invoice date on my account XXXX is XX/XX/2022. I filed a claim with XXXX  on XX/XX/2022, original claim number is XXXX. I did a screen shot and made a pdf of the on line form for this claim because the on line system locked up every time I tried to submit it. There are other claim numbers that XXXX assigned later : XXXX is one of these. The credit card statement came and the charge was on there. It was disputed : XXXX 1 claim # XXXX. All supporting documents were sent to the credit card company and they made an adjustment amount of {$320.00} to the card : reference # XXXX. The credit card company has refused payment for the charge. My material supplier reimbursed me for the cost of the material already and filed a XXXX claim on their end. Since I had the material charged to my XXXX account, I had to file a claim for the shipping amount from my end. 

As of this date, EGS Financial Care , Inc., a collections agency has contacted me 3 times on this matter, I submitted the proof of non delivery by XXXX each time. Now XXXX is still trying to collect on this one. 

I have attached the non delivery notice and the original claim docs here. There is about a dozen more, a testament to the total run-around they gave me. If you need all of it, I can send them. The non delivery notice is the big one.
Complaint sub-issue: Problem with customer service

I hired a home inspector to inspect a home I was considering purchasing. The pile of sand around a heat vent wasn't a tip-off there was an issue with the heat duct. When we asked the inspector about it, he said that duct was fine. Upon moving in, we opened the vent and found a file of dirt. There is a hole deep in the vent I can not access. It will cost quite a bit of money to fix, according to an air duct repair company. 

I filed a billing dispute with my credit card company, Discover Financial Services. Discover closed the case in favor of the inspector. 

I sent more information to Discover for them to re-open the case. I informed Discover that I found out the inspector false advertised that he is a member of the XXXX XXXX XXXX XXXX XXXX. XXXX inspectors have to go through training to be certified. I also informed Discover that the inspector claims to have a money-back satisfaction guarantee. That right there is enough to rule in my favor. 

Discover sent me a letter stating they considered the information I provided and that is wasn't new information. That's a lie. I didn't provide the information and Discover didn't already consider it. 

Discover needs to remove the charges from my card.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX an I'm submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I had fraud on my Equifax report from XXXX XXXX XXXX and it dropped my score by XXXX points but after it was reported and they removed it my score only went up XXXX points instead of regaining the XXXX back that's not right and is wrong.
Complaint sub-issue: Reporting company used your report improperly

I have not worked since XX/XX/2020 due to underlying medical conditions and an essential worker at the XXXX. I have not been working i have mailed a letter to the creditors stating this and i have been marked negatively on my credit report 101 times this is bit only is a heartless but scandalous move by creditors. My husband has XXXX XXXX XXXX XXXX  we have no income coming in until he returns to the XXXX XXXX which is dangerous on top of it my credit score went from the XXXX to XXXX and they have last reported on XX/XX/2020 this is a mess.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # 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: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX Balance {$300.00}
Complaint sub-issue: Inadequate help over the phone

I have filed XXXX separate disputes with Equifax in regards to collector " XXXX XXXX. '' They never contacted me with information. I never received a notice from them stating I owed said debt. I check my credit regularly, and noticed XXXX accounts from this collector were added on my report. All of the telephone numbers I look up have been disconnected. Equifax is the only bureau that shows these XXXX accounts total. I can not move forward with looking for a house with these XXXX accounts XXXX my credit. I have tried to contact money control, but like I explained previously, all of their contact information comes back disconnected. I am not sure what else I can do at this point. Please help since Equifax will not.
Complaint sub-issue: Problem with fees

on XX/XX/XXXX I submitted a payment of {$50.00} to Total Visa and it was removed from my bank account. I log in to pay my bill on XX/XX/XXXX and im notified that I need to call because my account is past due which is not correct Ive never had a late or missed payment with this company ever over the duration of having my account open for three years. So i give them a call and im notified that my payment was returned from XX/XX/XXXX and that my account is now closed and that I need to speak with my bank. I then call my bank and Im advised theres no record of this and that it did not happen, my statement reflects this as well there are no charge backs. So now my account with Total Visa is being closed and theyre charging me a late fee as well as the returned {$50.00} payment as well as the annual fees. Ive spoken to numerous people about this with zero resolution. I was advised I needed to send my bank statement through fax or mail but the fax line was busy for hours until I was finally able to get it to go through. Now, not only is an account Ive had open for three years being closed, Im being charged a late fee, the returned payment and the annual fee for the dates XXXX and my account is closed and a late payment will be reported to my credit file when none of this is correct.
Complaint sub-issue: Debt is not mine

I have never had XXXX XXXX XXXX. This was disputed once before and removed from my credit profile nearly a year ago and now it reappears.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Original creditor : 12 XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX DE XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. CROSSCOUNTRY on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Company closed your account

I opened a Bank account with BB & T ( XX/XX/2016 ) Account number ending in XXXX, this was a student Banking account. This account was then closed on ( XX/XX/2016 ). I received the letter stating that the bank decided to close the account due to the information found on my XXXX XXXX report. 

I was a victim of identity theft and Made the indication to the bank for the information found on the report and requested for my information to be reviewed. They have reported these accounts to XXXX XXXX and they remain on my record. I have notified the bank and requested that they remove the information from my records and they have not done so. 

There is no current information listed on my XXXX XXXX indicating any reason as to why my accounts should have been closed. This matter is affecting my ability to bank with any banker and is putting a hindrance on my financial ability to bank.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 XXXX XXXX
Complaint sub-issue: Account information incorrect

A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  XXXX.
Complaint sub-issue: Problem getting your free annual credit report

Tried to get the free credit report but the bureau says the information provided is wrong.