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

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX 2021 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXXAccount # XXXX, XX/XX/XXXX XX/XX/XXXX Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX,XX/XX/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

The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against XXXX, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called XXXX XXXX XXXX XXXX. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files. All credit bureaus are being aware of this problem as now two debt collection agencies/debt buyers are in violation of their subscriber agreement across the board with the major credit bureaus. The credit reporting as well as the debt collection is 100 % fraudulent and needs to cease immediately and permanently.
Complaint sub-issue: Public record information inaccurate

I received my background check and it stated that my most last criminal charge that was on XX/XX/XXXX in XXXX XXXX XXXX wasnt filed until XX/XX/XXXX in XXXX XXXX. My charges are all out of XXXX XXXX XXXX. That charge was filed on XX/XX/XXXX. I served XXXX XXXX XXXXXXXX and was given 4 years probation in which i terminated successfully in XXXX of XXXX. I am upset it states that nothing was filed or done with this case until 3 years after the fact and in a county i never have been arrested in. I transferred my probation from XXXX XXXX XXXX to XXXX XXXX for about 5 months and then switched back. Ive worked hard to get to where i am with my past behind me and having that on my background check can look like its only been 3 years to someone that doesnt understand the terminology used. Plus it also is just incorrect all together. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Complaint sub-issue: Reporting company used your report improperly

Hello I am XXXX XXXX I am not a third party company disputing. I am in fact the natural person and consumer disputing this on my own and the companies that I am disputing is AVANTE USA, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX. I am a senior citizen I have no applied for any credit card in the past 5 years, I noticed that I have a few credit card accounts listed on my consumer report. It seems to me that my information was leaked in several breaches to be exact. XXXX Breach, and several other breach which caused a few thieves to place card accounts on to my consumer report. I have no knowledge of the accounts of XXXX XXXX 's. The account AVANTE USA, XXXX XXXX that is in fact questioning is based off of HIPPA violation. I did not give any anyone any consent nor written consent to furnish any personal medical information this is a major violation of and you could be held civilly in a federal court room. I advise that you remove this debt by Friday by XXXX. If it is not removed permanently and immediately I will pursue litigation in the coming week. By law you can not furnish personal medical information. Unauthorized release of information. Improper disposal of personal record. These are all violations that you have committed and is forgery. This is a criminal act. With HIPAA violation fines reaching up to {$50000.00} per occurrence and a maximum annual penalty of {$1.00} XXXX per violation, it's important for medical practices to ensure they are HIPAA compliant at all times. And while all possible HIPAA violations should be considered potential threats to your medical practice, some are more common than others.
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Bureau is reporting a business account on my personal profile. The account only started to be reported after a 60-day late remark which was in direct result of covid 19. I'm in the process to apply for a mortgage and this could potentially cause me severe damage.
Complaint sub-issue: Received bad information about my loan

On XX/XX/XXXX I tried to log into XXXX and make a payment on my student loans. I was not allowed to login, the website showed a message that my social security and birthdays supposedly did n't match up. I have been using this site, with that exact log in for 9 years and I can prove that the payments were made from my account. The loan was taken out XX/XX/XXXX. I spoke with a representative named XXXX ( employee ID number XXXX ). She obstructed me from making a payment then told me that they needed a copy of my birth certificate and driver 's license faxed over to them. They have had this information for nine years and this sounds fraudulent. They also mentioned a loan from XXXX XXXX XXXX, which I never took out with them. If the serviced was changed, I was never notified and I do n't know what they are talking about. This sounds like fraud.
Complaint sub-issue: Can't use card to make purchases

Citicard transaction declined on XX/XX/21 for {$320.00} I have been with Citicard many years, always paid on time and had minimal balance. Tried to make purchase and card was declined. I said that was impossible. Clerk tried again and purchase approved. 
I called Citicard to ask what happened. I was told that on random transactions they will decline a purchase as part of a security check. It had nothing to do with my account or history, it was just done randomly when they felt like it. They said that I had consented to this when I accepted their terms. 
I had never lost my card or reported fraud on the account. I can not begin to describe the embarrasment I felt, as I was in a very expensive store. I have maintained an excellent credit record in order to avoid this type of situation. 
I want people to know about Citicards practice on accounts that are in excellent standing.
Complaint sub-issue: Didn't receive advertised or promotional terms

I signed up for a Citibank AAadvantage executive credit card more than a year ago. The representation was made that the cardholder would have access to XXXX XXXX XXXX XXXX. Recently the credit card issuer citibank changed the terms of the user benefits to limit access to XXXX XXXX to cardmembers who were booked on an existing XXXX XXXX ( or affiliated airline ) the same day that the cardholder sought access to the XXXX XXXX. Previously the card could be used at any XXXX XXXX XXXX   without regard to which airline the cardholder was booked on. This unilateral major change in benefits should allow the cardholder to withdraw from the program. I requeted a refund of the {$450.00} annual fee which was charged to my card in XX/XX/2019. I was told by the Citibank telephone representative that I was too late and could not cancel the card and obtain a refund. I believe that Citibank acted in a fraudulent manner in changing the benefit without allowing customers to cancel and obtain a refund.
Complaint sub-issue: Problem with statement of dispute

XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX should not be on there. This has been going on for 10 years, I have asked before to take it off three times. Please take it off, which I was told it would be every time I report it.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information which has led to a breach that puts myself and millions of others at potential risk. Additionally, I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. Once it was decided to notify the public, I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence, I can be 100 % - without question - guaranteed my identity and personal information is not at risk, and that something like this does not occur again.
Complaint sub-issue: Account information incorrect

I reached out to EQUIFAX to dispute information on my credit report from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. It previously stated that I owe XXXX and is now showing that I owe XXXX as of XX/XX/XXXX. 

XXXX XXXX filed an eviction on XX/XX/XXXX with the XXXX XXXX XXXX XXXX and got a judgement for {$710.00} Case # XXXX. I was on XXXX XXXX housing, I was working and did not update my information and owed money on rent. My mistake. XXXX XXXX wanted me out because they wanted to raise the rent. I did not damage the apartment. 

XXXX XXXX then submits a report to XXXX XXXX XXXX on XX/XX/XXXX for the amount of XXXX. There is a big difference between {$710.00} and {$7100.00}. It has been on my credit report for some time. This has had a big effect on my life. 

This amount is incorrect. I did not do XXXX of damage, and if it was the case, they would have submitted it to the XXXX XXXX XXXX XXXX when they evicted me. They have no documentation, photographs, or receipts that show I did this that is why they did not present this to the court. XXXX XXXX even pays a vacancy amount when tenants are evicted. I believe it is a 30 to 60 day vacancy fee. 

I would appreciate you looking into this matter. I am sure XXXX XXXX XXXX has done this to other tenants.
Complaint sub-issue: Didn't receive enough information to verify debt

I have a XXXX account on my credit with a telephone number that has never been mine. I have had my phone for over 15 plus years. 
This number is not mine. This is not my account. This is an Ex 's account. He still has the number. He still has the phone. 
This is since 2012! Should be off my records! No record of my name ever being on this account. No signed documents from me I am unable to get a home because of this NEGATIVE account on my credit!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2019 Eqifax Mortgage Sol Unauthorized, do now know who this is. 


XX/XX/2019 Eqifax Mortgage Ser Unauthorized, do now know who this is.
Complaint sub-issue: Debt is not mine

I had disputed a XXXX acct of {$710.00} which I did not have ownership of. This account was with XXXX XXXX XXXX. This collection agency removed this account off my credit report with XXXX, XXXX and XXXX on XXXX/XXXX/16. On today, XXXX/XXXX/16 I received an alert from XXXX XXXX that I.C SYSTEM is reporting the exact same account-XXXX- {$710.00} to my credit report with an open date of XXXX/XXXX/16 and last reporting on XXXX/XXXX/16. it has been determined that this is NOT my account and never was. This agency is re-reporting this account after it had been removed from my credit report. I am aware that this is VERY ILLEGAL.
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently been informed that Equifax maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law inXX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Equifax, XXXX, XXXX has found information on Tax Lien through third party research. 

Transunion and Experian have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to Equifax since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from Equifax that it was validated by XXXX in which I never received anything of the such. So I sent them another certified letter again this time one to Equifax and one to XXXX requesting my signature to validate this information. This time Equifax sent me a Reinvestigation letter stating that XXXX XXXX XXXX is currently not reporting on the Equifax file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to remove the bankruptcy chapter XXXX I filed in 2010. The item should be deleted iat 10 years. 
I made the same request to XXXX XXXX and it was removed.
Complaint sub-issue: Debt was result of identity theft

Discover is aware of the Identity Theft involving a credit card account and refuse to provide me information about the account beyond a " balance ''. Discover refuses to provide any proof to myself or the credit bureaus to verify that the debt belongs to me. Discover is claiming a balance of {$1400.00} is owed, but I have never had an account of any kind with Discover.
Complaint sub-issue: Investigation took more than 30 days

Accounts with missed payments AUTO LOANS XXXX XXXX XXXX 3 Missed Payments
Complaint sub-issue: Problem with personal statement of dispute

I use Credit Karma to monitor my credit- and work on trying to repair my credit. I've received several notifications from Credit Karma of offers on loans and credit cards. I eventually took them up on a pre approval offer - When I applied to a company called XXXX XXXX XXXX  on XX/XX/XXXX of 2021. I was denied because in fact I was not preapproved and plus you have to an automobile as collateral to get a loan - which I was not even aware of. This placed an hard inquiry on my credit report, which brought my score down several points also the hard inquiry stays on your report for 2 years which last for two years. I would have never applied if was not made assure that my approval rate was high for this loan.
Complaint sub-issue: Information belongs to someone else

This is my 2nd 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Deposits and withdrawals

I need my money I deposit from citi bank my mistake was to upload my check via phone and know my account is freeze with the money I have there am not working and I got XXXX girls to take care off I need my money because is mine and am struggling just because the department so this is not my fault and I dont want a check for a close account I want my money know am tired of all banks do what they want to do thats not okay
Complaint sub-issue: Trouble with how payments are being handled

The student loans are listing late payments. I have sent goodwill letters requesting forgiveness for late payments. I feel on hard times in XXXX and XXXX and I have tried desperately to communicate with the company about all the student loans listed in degoratory status. I am asking for a little help please.
Complaint sub-issue: Information belongs to someone else

I have no knowledge of the following accounts, nor do I have a contract with them, and according to the FCRA these accounts shall be removed from my credit report. ( 1 ) XXXX XXXX XXXX {$730.00}, ( 2 ) XXXX XXXX {$56.00}
Complaint sub-issue: Attempted to collect wrong amount

I opened this account while away at XXXX. XXXX for XXXX XXXX training in XXXX XXXX, Utah in XX/XX/XXXX, the XXXX location was inside XXXX XXXX XXXX building. My credit file is showing that I opened the account in XX/XX/XXXX, which is 3 yrs old and the amount owed is {$300.00}. This is false, I have had XXXX XXXX service since before leaving Alabama in XX/XX/XXXX. This account is actually over 7 years old, and the amount owed was {$170.00} ; my credit file is showing that I owe {$300.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 can not furnish an account without my written instructions.
Complaint sub-issue: Problem with personal statement of dispute

Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me. 
The company iS XXXX XXXX XXXX in the balance of {$570.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.
Complaint sub-issue: Account opened as a result of fraud

Two different accounts were created in my name without my consent. A citibank account and mulitple accounts at XXXX. These accounts were opened within the last two months of 2021. I've reported these accounts as fraudulent as I am a victim of identity theft.
Complaint sub-issue: Debt was result of identity theft

IC Systems has advised XXXX that they have " verified '' and " validated '' this account, and indeed have not. There was no initial communication in oder for me to respond or dispute said item. IC System is willfully being negligent and non-compliant with attempts to collect and report alleged debt. 

Per 15 U.S. Code 1681c2, this information is to be BLOCKED and removed within 4 days of receipt as it is a result of identity theft. 

I want to be explicitly clear with my request. I am not requesting verification of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 4 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

By responding that you have received my complaint and request, that will guarantee a contract to have said items properly addressed within the next XXXX business days.
Complaint sub-issue: Debt was result of identity theft

I received a notice that my credit score changed dramatically due to a new collection account from XXXX XXXX. This collection account was reported by " MRS. BPO '', and showed an owed balance of {$840.00} to a Texas based electronic company named " XXXX XXXX ''. After calling XXXX XXXX, they told me that they have an account under my name with my Social Security number attached, and that I do owe them for using their services. This is simply impossible, as I have never owned a home, lived in or even visited Texas for any reason or amount of time, nor ever heard of either company. After attempting to dispute with XXXX, they ultimately determined that I still was responsible for the payment. XXXX XXXX has flagged my account and asked me to give them a Completed Trade Commission Form, along with a Police Report so that they can start their own investigation.
Complaint sub-issue: Report provided to employer without your written authorization

In XX/XX/2018 I was in the market to purchase a home. I shopped around and purchased my home in XX/XX/2018. A credit company known as CBCinnovis ran a hard inquiry on XX/XX/2018 without my consent. I want this removed off of my credit report immediately!
Complaint sub-issue: Old information reappears or never goes away

same account number XXXX for XXXX is showing 2 different amounts with same account number with 2 different dates that was supposed to be deleted from credit file