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

In XXXX of 2011, I filed for a chapter XXXX bankruptcy protection. Included in the bankruptcy was an account from a dental office. The office notified me of the unpaid account and I told them that I had unfortunately filed for a chapter XXXX bankruptcy protection and that the account was included. They ended up selling the account to a collection agency. I told the agency that the account was included in a bankruptcy protection. 

I have been trying to dispute it with all three credit bureaus since the inception of the bankruptcy but they keep telling me that the account was accurately reported on my credit. 

The account is now past the statute of limitations, ( four years ) according to the California law. I asked the credit bureaus to remove the account as it is too old to be on my credit file, they did not. Instead, they allowed the collection agency to continue reporting old outdated and bankrupt account to continue causing damages to my credit.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

My financial planner called a Financial services provider and asked him for help about me being abble to access funds from a cash out loan on some investment properties that I own To do that, he pulled a credit report to see if I could meet the programs debt to income ratio requirements. 

After he pulled the report, I was inundated with constant calls from mortgage companies seeking to see how they could help. The reason for this is because Equifax, XXXX, and XXXX ( the three credit bureaus ) - WHO MY FINANCIAL SERVICES PROVIDER PAID TO GET MYCREDIT REPORTS- have sold my information to a bunch of mortgage people, as leads for soliciting my business. This should be completely outlawed on multiple fronts : First of all, I paid for the credit bureau information and report, not he mortgage lenders. Secondly, these credit bureaus received information about financial activity that I wanted private, and have thus violated my privacy by selling my information to other companies. I did not give them permission to do that and neither did anyone representing me. I understand the bureaus used to practice this quite frequently 15 years ago, but recently restarted this information sharing again. It is insidious, and it would help all of us for you to put a stop to this. The bureaus have not done anything illegal, but it SHOULD be outlawed as an invasion of privacy and as an unethical practice.
Complaint sub-issue: Funds not received from closed account

My account ( XXXX ) with Discover have been on hold since XX/XX/XXXX due to suspected fraud activity which I believe is due to check in the amount of {$690.00} deposited in XXXX of XXXX, issued to a cousin with same name whom uses the account opened using my social security number. As explained in prior complaints, account was opened using my information because the relative is unable to open accounts due to credit issues. The check was deposited using my account, issued under his name by XXXX XXXX. Currently, funds are not in the account, which I believe Discover is attempting to recover and thus, placed a hold on account. Discover appears to have received information regarding check as fraudulently cashed, the relative may have submitted information to XXXX XXXX indicating so .... I've reached out to relative, confirmed he is confused about check. Previously, I attempted to reach Discover rep to provide this information, unable to reach by phone. Further, Discover rep appears to refuse to answer further complaints in re, claims to have addressed complaint ( XXXX ) in which information above was not provided.. With information provided, I request any remaining funds in accounts sent via check.
Complaint sub-issue: Account information incorrect

This is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.For your benefit, and as agesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

2. The inquiry was not authorized CCR Date of Inquiry : XXXX  Please remove it from my credit report.

3. The inquiry was not authorized QUALITY Date of inquiry : XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX Date on iquiry : XXXX Please remove it from my credit report.

The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).
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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted equifax, XXXX and XXXX XXXX XXXX times over the past 6 months to correct errors on my report. According to FCRA of 1970, 15 USC 1681-1681u I have a right to dispute and see HOW a agency VALIDATES the information. To date all three companies report these 4 accounts as verified and meets FCRA requirements. Yet not one will answer how they validated these accounts. Using the e-Oscar system is not a accurate way of verifying being the law states there must be a signed contract showing the consumer owes the debt in question. Because of three attempts to no proper correction I am now requesting the information to be IMMEDIATELY removed. 
The XXXX charged off accounts in question are : 1. XXXX XXXX XXXX reports co for past 2 years, no 1sXXXX delinquency date ; XXXX shows XXXX in payment history with last payment on XX/XX/XXXX ; equifax shows lates over past two years but XXXX in history and last payment date of XX/XX/XXXX. 
2. XXXX XXXX equifax shows XXXX lates despite showing XXXX and last payment on XX/XX/XXXX ; XXXX shows no lates XXXX with last payment XX/XX/XXXX ; XXXX shows this account in co since XX/XX/XXXX with no last payment date. 
3. XXXX XXXX XXXX shows 30 day late as of XX/XX/XXXX, XXXX shows last payment on XX/XX/XXXX and XXXX ; while equifax shows 100 % payment history with last payment XX/XX/XXXX. 
4. XXXX XXXX equifax reports 100 % on time payments with last payment XX/XX/XXXX ; XXXX shows XXXX XXXX history and last payment XX/XX/XXXX ; XXXX shows 3 day late in XX/XX/XXXX. 

These XXXX accounts showing different data violates my rights as a consumer when it comes to fair and accurate data. I asked three times how they validated these XXXX accounts to being ignored. I am now asking for them to be REMOVED. 

I am attaching copies of the last correspondence I sent, despite it saying XXXX each company received same letter.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I notified EQIFAX, XXXX XXXX and XXXX of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/XX/XXXX.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Enhanced Recovery is reporting a negative unverified account on my credit report. Enhanced Recovery failed to respond to my debt validation letter sent on XX/XX/2019. ( please see attachment ).
Complaint sub-issue: Was not notified of investigation status or results

I have sent this letter months ago to the credit bureaus and did not receive any notices or responses regarding my concerns on my credit file
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX I placed an ordered through the BestBuy website for a couple of items which one was the XXXX XXXX to be able to pick it up at the store. When I arrived at the XXXX XXXX store, they said they did not have the item and it was already sold. Because of this I opted to buy the XXXX XXXX at a different location which was the XXXX XXXX store in Florida. When I went to make my payment on the BestBuy site, I noticed the balance owed was more than it should have been. Came to realized that I was being charged twice for the XXXX XXXX for the amount of {$1000.00}. I called and filed a fraud claimed after being informed at the store to do so since it shows that the laptop was picked up on XX/XX/XXXX by me. But this was not the case since I was actually working that day. This has not been resolved since it happened and Best Buy is unwilling to return credit simply because it shows on their system that the item was picked up by me.
Complaint sub-issue: Didn't receive services that were advertised

My husband & I were involved with the Equifax security breach. 
I registered him ( XXXX XXXX ) with Equifax on X/XX/2017 for a credit freeze with confirmation # ' XXXX XXXX XXXX ... .then enrolled him in their offer for free fraud protection with Trusted ID. However in checking back, he is unable to access his account it says " an error has occurred '' ... ..Repeated calls to Trusted ID involving 3-4 hr waits on the phone on a daily basis were unsuccessful. Their website was non operational. I 've received text alerts about " detected activity needing attention '' ... unable to reach anyone at the phone # listed, nor the website. 
I, XXXX XXXX enrolled with Equifax also on X/XX/2017 with confirmation # XXXX. After repeated calls and online attempts to register for the free fraud protection with Trusted ID after 10 days I reached a person who registered me stating I 'd receive an email within 24-48 hrs to set up a password. Daily calls with waits up to 3-4 hrs have been unsuccessful. No luck via website. Letters sent for credit freeze, no response
Complaint sub-issue: Problem accessing account

PNC has made a change that limits my ability to connect savings services to my accounts.
Complaint sub-issue: Attempted to collect wrong amount

I was called by a calling house that wants me to identify my self and record my information and my voice. They have my name, address, and last 4 of my social security correct. I have tried to talk to supervisors in their companies with out success. One company name is ERC. The number that showed on my phone today was XXXX XXXX XXXX XXXX XXXX which identified as XXXX, WI. This call was today at XXXX XXXX Yesterday the call came from XXXX ( XXXX XXXX XXXX at XXXX XXXX  and it showed origin on my phone as XXXX, NC. I have asked repeatedly to talk to supervisors and get nothing. I asked for their location and they say they are ERC in XXXX, XXXX. I ask for a # to call them and they give the # XXXX. I am pretty sure it is the same people that called me on XX/XX/XXXX, at about XXXX XXXX  XXXX, # shown on my phone as XXXX ( XXXX ) XXXX and I called them back repeatedly to ask them the reason for their call. 
Thank you, for any help you can give in this matter.
Complaint sub-issue: Trouble using the card to spend money in a store or online

This prepaid card receives my Pennsylvania unemployment benefits. On XX/XX/2020, I scheduled a transfer in the amount of {$170.00} from the card to my personal checking account at another institution. The card did not make the transfer and, instead, totally froze the account such that I have no access to any of my unemployment funds which are deposited with the card. On XX/XX/2020, I contacted the card 's customer service by telephone and inquired why the card had been frozen and was told that I needed to submit identification documents to the card. On XX/XX/2020, I uploaded photos of my drivers license and social security cards to the card 's website portal as was requested by the card 's customer service representatives. Nevertheless, my ability to withdraw any funds whatsoever from the cards remains restricted and I have no access to any funds from the card.
Complaint sub-issue: Account status incorrect

They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.
Complaint sub-issue: Account status incorrect

Last XX/XX/XXXX, When I was applying for a Solar service in my house, The Solar company ran my credit and found out that I was not approved due to the 2 months late on house payments ( XXXX and XXXX of XXXX ). Right the same month, I contacted XXXX XXXX to fix this information since I never missed any mortgage payment. I received a letter from XXXX XXXX last XX/XX/XXXX, acknowledging my request to investigate the incorrect report on my credit. Every month, from that date on, I follow up with them and they told me to wait. 
After six months ( XX/XX/XXXX ), My credit score still reported late payments. This time I contacted the Vice President for Servicing to ask for help since nothing has been done on my case. I have been deprived of my right to equal and fair credit, I can not avail of a good credit rate because of this error. Every day, I was on the phone, asking begging them to provide me with the result of their investigation. I wasted many hours of wait time on the phone, receiving poor customer service, and no one cares. 
I believe I had given them enough time to resolve my issue but no action has been taken.
Complaint sub-issue: Debt is not yours

Dear Equifax! 
I have asked for you to do a debt validation with XXXX XXXX about account NUMBER XXXX and you send a letter saying this account is verify and belong to me with no proof of verification of me signing a contract or agreement with XXXX. I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between XXXX XXXX and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. With that being said, had XXXX XXXX sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that XXXX XXXX  provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
Complaint sub-issue: Reporting company used your report improperly

I have several complaints with all 3 public and 7 private ID companies. Failing to remove errorneous information. reselling information, the existance of sub CRAs- which is unlawful circumvention of federal law ( FCRA ) ... refusing to remove erroneous info- illegally using eOscar ( a known gimmick ) to " verify '' debts which were robosigned by companies to begin with. harassment and robo calling about debts. Nothing is ever verified, no status or system or means of challenging this is even given to the consumer..consumer is ruined on reaged debts that the bureaus have made contact on. Creditors do not get the message that the consumer did NOT contact them in any way. This is a XXXX XXXX XXXX  scam. My debts are not owed by me, were challenged years ago. I continue to be extorted and denied credit and a place of residence due to this. FEDERAL INTERVENTION IS NEEDED. NON COMPLIANT.

contacting creditors and posting incorrect purchase dates on debts bought.

refusing to comply with several complaints filed over the past 4 years on these matters, then barring future complaints- when the original complaint was never resolved.

Dates on debt purchase are not accurate- happened months previous, paid pennies on the dollar but demads 3x the actual debt owed. I have the right not to be extorted for refusing to pay such debt extortion. If the debt was resold for 3c, I dont owe 1.5 dollars on it. Any lawyer will tell you this. XXXX XXXX has been contacted previously to this connunication.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

the collection was added to my account as a newly opened debt from XXXX, I am not sure when it was open but it was before XXXX. I have disputed this with all credit bureaus but they say the debt is valid. They are not even reporting accuracte dates or amounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act and XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 1602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Banking errors

Last year, Citi offered a {$100.00} bonus for referring a friend to a new Citi personal or business checking account. I referred multiple new clients to Citi but never received the Member-Get-Member bonus. I called Citibank XXXX XXXX XXXX XXXX on XX/XX/XXXX to investigate this issue but still have not received the bonus.
Complaint sub-issue: Investigation took more than 30 days

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8.00}. 

In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Complaint sub-issue: Information belongs to someone else

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX  on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )
Complaint sub-issue: Account information incorrect

My query is with Equifax mishandling of my credit file..I have two updated reports which displays account closed with XXXX balance from creditor XXXX XXXX XXXX  XXXX XX/XX/2022 confirmation # XXXX XX/XX/XXXX, XXXX # XXXX Creditor responded to dispute with attached documents sent from equifax..As of XX/XX/2022 account now has balance and late notation..The Fair Credit Reporting Act requires credit reporting agencies to report 100 % true and accurate information on a consumer file ... The information listed is misleading and false..I have included a copy of credit report displaying the account as closed XXXX balance never late from the creditor..This information needs to corrected on my file.with all.haste... I am trying to.refinance my house..The information currently showing on.my file is not true and needs to be correct or deleted..Thank you