Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax and XXXX dated XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against Equifax and XXXX if they do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$7300.00}
Complaint sub-issue: Problem lowering your monthly payments

I graduated with a   XXXX   XXXX   XXXX  in  XXXX   XXXX . Once my  Discover undergraduate loa n went into repayment I quickly fell behind due to the amount of the payment and others I must make on a monthly basis. My mother is the cosigner on this loan, but she is  XXXX  and on a limited, fixed income. She has been harassed and threatened by calls from  Discover dem anding payments of {$1000.00} to {$3000.00} on the spot or her " credit would be ruined for the rest of her life. '' In  XXXX , we were told if we made three consecutive payments of at least {$900.00} they would work with me to lower my monthly payments. When I called after having completed these payme nts ( made with the help of my mother despite neither of us being able to afford it ) I  was told they never promised such a thing. I once again fell behind and began to receive calls multiple times a day while I was working, often from local area codes to encourage me to answer. Each time the amount they asked for included what was currently due, but also what was due for the next payment even if it was a month away. In early  XXXX , my mother used an open end loan and low interest rate credit card in her name to help me catch up.  Discover  received {$3400.00} in  XXXX   XXXX . I called to discuss the options for lowering the monthly payment and was told there were none. The conversation with the " repayment assistance department '' included phrases such as the following after I described my financial situation such as how much I make and amounts/numbers of other financial obligations : " in order for the loan amount to be paid off in 15 years, a monthly payment of {$900.00} is required. You do n't think you 'll ever make enough to pay that? That 's what your loan balance requires. We only offer temporary solutions. But afte r the 3-6 months the payment will be even higher. '' I offered a monthly payment of {$500.00} which is still more than I can comfortably afford, but the woman would not hear it. I am doing every thing in my power to avoid going into default and further ruining my credit, but Discover has told me a number of falsehoods and offered empty promises.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Reporting company used your report improperly

In accordance with the Fair credit report act XXXX XXXX XXXX Account number 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: Investigation took more than 30 days

sent over the ftc violation of the inaccurate information
Complaint sub-issue: Problem getting your free annual credit report

I am having an issue getting my free annual credit report from XXXX XXXX, Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually. Furthermore, I need XXXX XXXX, Equifax and XXXX to release my credit file and report to all lenders, creditors, banks and credit unions who need a copy of my credit report to review my credit report to offer me credit cards and installment loans.
Complaint sub-issue: Frequent or repeated calls

The debt collection company has not sent me any letters, they also keep calling me after I told them not to contact me or even send me letters
Complaint sub-issue: Debt was result of identity theft

Bloomingdales has violated my rights. Bloomingdales has failed to provide proof that this account belongs to me. I will be consulting with a consumer attorney as well as writing the Attorney General office regarding this company. I will not pay for something that I did not authorize.
Complaint sub-issue: Their investigation did not fix an error on your report

SUPPRESS OR FLIP TO SOFT INQUIRY IN XXXX  ACCOUNT. 

UNFAIRLY TRIGGERED INQUIRY RAN DISCOVER REPRESENTATIVE ON XX/XX/2021 IT IS IMPACTINGMY CREDIT REQUIRED AND RESPECTFULLY REQUESTED LETTERS ATTACHED
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas 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

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of remaining items in my credit record that came about due to an alleged fraud. 
XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I received a notification that they allegedly owned alleged debt of mine. I responded within 30 days letting them know that I did not owe anything and to stop harassing me. They continued to harass me without any attempt at showing the debt was valid. 
I told them, yet again, that I didn't owe anything and the other person let me know that he didn't actually care if I owed money or not, he was just looking to extract money from me. Now, they're showing ownership of the alleged debt, with a date that clearly indicates that they were harassing me before they even owned this alleged debt.
Complaint sub-issue: Debt was paid

On XX/XX/20 I called to see why on my credit report it was showing a balance instead of saying that the debt was settled and was transferred and hung up on several times before reaching anyone. Once i reached a representative, he was very rude and told me to pay the balance and that this was going to remain on my credit forever. I asked him why when my account was settled by another representative. I am blaming the Bureaus because they hired these shady people to take payments for them and lie and say that everything would be settled and deleted from my credit report as soon as i settle but lied to me because it is still on my credit report. I would like this to be deleted just was I was told and want information that it will be because i went even far as leaving compliant and was never contacted back.
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts being reported are definitely " unverified ''.

( as per fcra section 609 and 605 ( b ) )
Complaint sub-issue: Account information incorrect

XXXX and Equifax are reporting 3 negative account each with XXXX XXXX XXXX XXXX But Ive never had a contract with this company Ive disputed this to both credit bureaus XXXX & Equifax but both state that its accurate
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter with an FTC report included to XXXX and Equifax on XX/XX/18 regarding a few hard inquiries that were not authorized by me. Neither credit bureau has resolved the issue so I would like for you guys to help me out.
Complaint sub-issue: Information belongs to someone else

There are four late payments on my credit report for which I don't recognize. The account numbers don't match and it is all incorrect, therefore, I'm demanding the removal of those items pursuant FCRA 623.
Complaint sub-issue: Card opened as result of identity theft or fraud

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS SUICIDE VICTIMS.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting Act XXXX Bank Account # beginning in XXXX and ending in # XXXX has violated my rights. 1 5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I checked my credit report as of X/XX/2018. Equifax have repeatedly put my older brother 's credit information on my report, and this happened many times before. I have disputed this kind of problem many times now, and I am getting tired of getting the same problem every time. I do n't have this problem with XXXX and XXXX, so why is n't Equifax doing their job?
Complaint sub-issue: Their investigation did not fix an error on your report

Vance and Huffman LLC said that they would remove my account from my credit report if settled account to XXXX  balance which I did and its still showing on my credit report.
Complaint sub-issue: Company closed your account

I am furious!! Discover closed my account ( Account number ending in XXXX ) out of the blue for no real reason. They gave me some XXXX excuse and closed my credit card that I had with them for 9 years. This has injured my credit score because I lost credit age that I worked so hard to build up. THIS COMPANY IS IN VIOLATION OF 15 USC 1637a ( 1 ) because they can't close my credit as a protected consumer. As a consumer, my credit can not be " closed '' because I have the right to credit. This is an open ended credit card account meaning, it did not have a close date. Discover in fact closed this credit card account which was deceptive to me as the consumer. they mislead me into thinking this credit card was open ended, under FDCPA 8012, Discover furnished deceptive forms. I believe they closed my credit account in error, as the original creditor under 15 USC 1692g, I did not consent to this credit card account being closed. I want my cards back with all my years for credit reinstated. They even gave me a brand new card, then months later closed both the new and the old cards. I have always paid my cards on time. I am losing my mind over this, I need Justification.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION REPORTING TO MY CREDIT PROFILE IS INFORMATION THAT I HAVE NO RELATION TO, NOR HAVE I EVER HAD A ACCOUNT WITH THIS CREDITOR. I HAVE CONTACTED THEM AND THEY HAVE FAILED TO PROVIDE ME WITH ANY ORGINAL SIGNED CONTRACT STATING THAT I OWE A DEBT TO THIS COMPANY UNDER FCRA SECTION 609A. UNDER FCRA SECTION 605B AND 609E, FRAUDULENT INFORMATION MUST BE PERMANENTLY DELETED FROM A CONSUMERS CREDIT PROFILE WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. THIS IS A DIRECT VIOLATION OF THE CONSUMER LAW AND I WILL BE FOLLOWING UP WITH EACH AGENCY TO ENSURE THIS MATTER IS TAKEN CARE OF IN A PROMPT MANNER. I HAVE CONTACTED MY ATTORNEY AND PLAN TO FILE A LAWSUIT AGAINST ANY AGENCY INVOLVED IN REPORTING FRAUDULENT AND UNVERIFIED INFORMATION TO MY CREDIT PROFILE. THIS HAS CAUSED ME DISTRESS AS WELL AS RUINED MY CONSUMER FILE. THE FOLLOWING ACCOUNT IS FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$190.00}. FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS. PLEASE REMOVE ALLL NON-ACCOUNT HOLDING INQUIRES THAT HAS NOT BEEN VERIFIED VIA ORIGINAL SIGNED CONTRACT.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 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 status

I had a secured XXXX XXXX Credit Card with a credit line of {$200.00} for several years. Recently XXXX XXXX issued me a XXXX XXXX XXXX XXXX unsecured card with a credit line of {$500.00}. Since I received the unsecured card, I did n't think it was necessary for me XXXX have XXXX cards with the same company so I contacted XXXX XXXX to request them to close the secured account. The account was paid in full and they are sending me the balance that was left in the savings account that secured the original card. Immediately after I closed the secured account, my credit score dropped tremendously which I think is totally unfair. I am in the process of trying to qualify for a home loan and my credit score has been negatively impacted because I paid off an account and closed it to avoid having duplicate accounts with the same company. This practice seems totally unfair and consumers should not be penalized for choosing to pay off and close accounts.
Complaint sub-issue: Account information incorrect

I had an account on my credit from XXXX and XXXX and XXXX XXXX that I paid and was agreed to be deleted still showing on my credit report. Ive sent numerous documents from the creditors to EQUIFAX stating the accounts should be deleted its they have yet to delete the accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I'm not swayed that you've efficiently pleased the principles of the Fair Credit Reporting Act in completing your investigation. My research has shown me that according to Section 1681 ( g ) it is important to have me along with an outline in the approach utilized to check that this account is in collections and forward me the name and addresses of persons contacted in every regulation based in the FCRA. In addition, noticed that there's no name indicated on this account that is not totally 100 % legitimate please make sure to eliminate the item. 

Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}
Complaint sub-issue: Their investigation did not fix an error on your report

this company is allowing a false and unverifiable account to continue reporting without any proof. I have requested several times and filed a police report. accnt # XXXX
Complaint sub-issue: Account status incorrect

I have been with  XXXX   XXXX    XXXX   XXXX   since  XXXX -2016. Payments have been made on time every month to all credit card companies. I discovered that a lot of the credit card companies were reporting me late, so I sent in a dispute. It looks like all of them fixed the reporting issue accept Best Buy and   XXXX    XXXX . Best buy shows I have never made a payment on time now which is completely wrong and   XXXX   XXXX   still is reporting me late and that is wrong. The only month that should have been late was  XXXX . From  XXXX -2016 to current all payments have been made by the debt management company.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX is reporting that the bankruptcy court furnished them with information from us bankruptcy court of New Hampshire XXXX I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted XXXX who also states the same, that they do not verify or supply these credit reporting agencies with information.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX I contacted Citibank to close my savings account. They said they would send the remaining balance ( about {$12000.00} ) by check to my house. They confirmed the address, which had not changed in 27 years. We never received the check. My parents are retired and someone is home almost XXXX, and we have a surveillance camera pointed at the mailbox. 

We have called every week for months, and they insist that they will send another check, but they never do. They tell us to call back in 2-3 days for a tracking number. We call, and they have no record of sending the check. They don't have a record of any check since XXXX. They have told us they will stop payment on the check from XXXX many times. Did they ever actually stop payment? Who knows. It seems not. 

It has been almost four months and we still have not received the money. The insist that we can not get it from the branch or any other way. They have stolen {$12000.00} from us and think that's totally fine. They will just keep " forgetting '' to send the check, or lose our request, and keep it forever. This money does not belong to them. It is theft, plain and simple. They say there is no one we can escalate to, and no other options.
Complaint sub-issue: Fraudulent loan

On the credit report, they claim the account was opened on ( 1 ) XX/XX/XXXX and I owed {$2600.00}. 
( 2 ) And on XX/XX/XXXX and I owed {$2800.00}. 
( 3 ) And on XX/XX/XXXX and I owed {$1700.00}. 
( 4 ) And on XX/XX/XXXX and I owed {$5100.00}. 

I don't owe.
Complaint sub-issue: Unable to open an account

On XX/XX/2021, I received a letter from Citibank ( see attached ) about an account that was attempted to be opened but was unable to due to the bank 's inability to verify credit information. I contacted Citibank at XXXX on XX/XX/2021, to advise them that I had never tried to open an account with their bank and that it was a fraudulent application. They apparently had all my personal information including my SS #. They said they would turn it over to their ID Theft department and gave me their number at XXXX to follow up, along with this contact information for the FTC.
Complaint sub-issue: Trouble with how payments are handled

XXXX charges higher interest and I do n't believe to be amortizing my loan correctly.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
Other ENHANCED RECOVERY CO L acct number : XXXX XXXX XXXX Other XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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

Equifax was aware of their security beach in XX/XX/XXXX. It is now XX/XX/XXXX and they only just made people aware of it. I was personally compromised in their data breach. It is ridiculous.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX I saw I had an account on my credit report that I was unsure of for XXXX XXXX in West Virginia. I never lived in West Virginia as an adult so I contacted them. They told me the service for utilities was provided to XXXX XXXX XXXX, XXXX, West Virginia from XXXX of XXXX through approx. XXXX of XXXX. On XX/XX/XXXX, I provided pay stubs and W-2 for that time period that showed my address in XXXX. They refused to take the debt out of my name and asked for payment. I contacted the collection agency IC Systems at XXXX and spoke with XXXX, on XX/XX/XXXX, who told me in order to classify this debt as fraud I needed a police report from my state. I contacted Northern District in XXXX XXXX XXXX, Maryland and they directed my to this website to file my report, on XX/XX/XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX CLOSE MY COMPLAINT BY SAYING IT WAS A CREDIT REPAIR COMPANY THAT FILE MY COMPLAINT THEY KEEP BREAKING THE LAW THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVE ASAP BECAUSE MY CREDIT IS A BIG PART OF MY LIFE
Complaint sub-issue: Account status incorrect

XX/XX/XXXX I filed Chapter XXXX bankruptcy. 
XX/XX/XXXX I received a Discharge Of Debtor ( s ) XX/XX/XXXX XXXX Credit Card and Citi Cards/Citibank both companies put on my credit : Date of status XX/XX/XXXX, Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX. Which is correct. 

Beginning of XX/XX/XXXX I applied for a line of credit through my bank. I was denied due to two delinquencies within the last three months, XXXX XXXX & Citi Cards Citibank. 

XXXX XXXX & Citi Cards Citibank Both companies updated my Bankruptcy to XX/XX/XXXX, so now when creditors look at my report it looks like my debt was recent. Please Help