Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information

My complaint is only sending through some sort of regulatory agency in nature to ensure a substancial record is maintained. Equifax among all relative credit reporting agencies have generally been a good steward, not abusing their obligation in order to support a non prosecuted financial industry. My request, sent as a complaint is just for reconciliation of all accounts, and inquires maintained by Equifax. If such is done, then it 's not the inaccurate reporting on of the credit reporting agencies its the unverifiable information sent by their billing clients, the above the law financial industry. Which is the subject of my complaint. If the Credit reporting agency reconciliates the record, then all complaints i believe will be resolved. If the credit reporting agency verifies my name, specific the one that appears on my social security card, which is the number identification that it uses to maintain such report, then it will take care of itself.
Complaint sub-issue: Other problem

I opened a secured credit card account with XXXX XXXX XXXX in the amount of {$300.00}. The company closed the account saying that I owed a payment of {$99.00} but never said what it was for. They have been reporting to the credit bureaus as an open account and charge-off with delinquent payments. Again this was a secured credit card. The amount of credit that I had with them was based solely upon how much money I wanted to give them to put into the account. The company should have taken the {$99.00} ( assuming that it was a legitimate charge ) out of my security deposit, and then issued me a refund for the remaining funds. In this case, I don't think the charges are accurate, I don't think they have a right to keep my deposit, and I don't think they have the right to continue to report this to the credit bureaus. This account was opened in XX/XX/XXXX. I  made 1 purchase with it for {$50.00} and paid the full amount before the bill was due. I received no bills from the company other than the initial one. The next correspondence I received from them was a bill showing that I owed {$99.00}. I called the company and asked what I was being charged for. That's when I was informed that my account was closed, and I was not given any explanation for the charge or why the account was closed. They also didn't start reporting until XX/XX/XXXX and have been reporting inaccurately since then. 

This company basically took {$300.00} of my hard earned money under the pretense of building my credit up, then closed it at their convenience, and kept my money on top of it. And as an added bonus, instead of them helping to build my credit, they have been helping to destroy it.
Complaint sub-issue: Was not notified of investigation status or results

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX / {$0.00}
Complaint sub-issue: Received unwanted marketing or advertising

XXXX XXXX is continually pulling soft credit reports against my will. I want them to stop as there is no reason for them to pull my report as I am not interested in a credit card. They are doing it to keep my credit score low.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Incorrect information was reported on my credit report without my consent. 
Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; I never authorized XXXX to furnish anything on my credit report I contacted XXXX and have disputes these inquiries. 

XX/XX/XXXX CBNA XX/XX/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: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the  accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**,
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, My information has been exposed in a data breech. Under FCRA 605B and 609E I am requesting this information to be permanently removed within 4 business days of receipt of this. I opt out of any company policies as this is to be handled directly under the FCRA LAW. 
XXXX ( {$630.00} ) # XXXX, XXXX XXXX ( {$840.00} ) # XXXX, XXXX ( {$3600.00} ) # XXXX, XXXX  ( {$0.00} ) # XXXX, XXXX XXXX XXXX ( {$230.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account : XXXX 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: Information belongs to someone else

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Complaint sub-issue: Account status incorrect

My loans are paid docs attached. XXXX account number XXXX
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I am writing about a citi card that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope citi honors what there supervisors had said. I have spoken to them several times.
Complaint sub-issue: Problem with rewards from credit card

Discover offered me a {$45.00} statement credit for purchasing a XXXXXX/XX/XXXX membership. I followed the terms and condition. They refuse to issue me credit saying that I can not cancel the membership. I canceled because there was issue with my membership. The terms and condition does not say I can not cancel for a valid reason. When I contacted, they throw new conditions at me to refuse the credit.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Basically Im try fix my credit and Im seeing there accounts and things in my name that I know Ive never had myself!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

Equifax Credit Report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX Chr XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX fin XX/XX/2021
Complaint sub-issue: Having problems with customer service

Great Lakes student loan company is refusing to acknowledge my enrollment in a new school - XXXX University, XXXX program. After one month of emails to them and my school sending them my enrollment information, they refuse to acknowledge my enrollment -- thus causing me to have to pay back my loans and new school fees causing financial hardship.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.
Complaint sub-issue: Trouble with how payments are being handled

Nelnet/Department of Education noted that " I will need to reach out to those services to obtain your payment history. Per the attached information provided regarding loan history and payment history. No one has the payment, full history of, or even the interest rates for the time between XXXX to justify the loan amount. 
XXXX XXXX XXXX XXXX XXXX to XXXX - XXXX is no longer in business per your words American Student Assistance XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX These companies have no information that I was able to obtain and one is no longer in business. This information should have been provided to the next loan handler when they received this loan back in XXXX, however, they were not. No one can provide me with the full history of this loan so how can The Department of Ed OR Nelnet justify its existence if you don't have all the viable financial information, especially the interest rate of an account that went from around {$7500.00} to over XXXX? Nelnet even took money out of my account when they reopened it back in XXXX and it wasnt noted anywhere.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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: Information belongs to someone else

fcra violations not mine : XXXX 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, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Account charged off. {$5900.00} written off. {$5800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3400.00} written off. {$3700.00} past due as of XX/XX/XXXX

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XX/XX/XXXXPotentially negative Date opened XX/XX/XXXX Balance {$41000.00} Status Open. 


XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi, Someone tried to open a line of credit in my name with XXXX XXXX XXXX and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the XXXX XXXX report that I ran. I have made a police report with the XXXX County Sheriffs Office and am waiting on the report to submit to XXXX XXXX XXXX. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This account does not belong to me and has been on my credit report for some time. I am asking that this account be deleted because it is not mine. I have attached an identity theft report as well. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

List of dates : XXXX and XXXX/XXXX/XXXX. There were credit inquires on my credits reports that i do not recognize.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Home Depot reported me 30 days late. I disputed it several times with Home Depot and the credit agencies. I provided documentation that showed my bill is auto payed from my bank account and since they included a large interest payment one month, the payment was slightly short. I kept paying my bill month after month ( never " missed '' a payment ) they kept carrying over this small amount of interest, not known to me, and eventually considered the entire account late. 

XXXX Disputed it several times with this criminal credit reporting agencies who hold you XXXX with a number. You can't talk to anyone and have to mail letters ( what is this XXXX )? They return the dispute results that show Home Depot as reporting me late, Home Depot doesn't present any evidence, only that they have a piece of paper that says they said I was late! 

XXXX I dispute with XXXX once again. They respond in a few days and they obviously did not do any additional digging. They send me back this attached report that says nothing at all except that Home Depot says I was 30 days late in XX/XX/XXXX. XXXX is so bad and does such a disservice to the public that I'm going to also attach a screenshot of what they show on my report right now! They show 60 days late, and blank payments for XXXX and XX/XX/XXXX. They literally just sent a dispute report back to me that says it was only 30 days late and they can't even update their own website and info? you are supposed to trust these people with your credit file? It's disgusting..They don't get anything correct and I'm sick of dealing with them. People have enough to worry about in this difficult time than to deal with this non sense.
Complaint sub-issue: Their investigation did not fix an error on your report

I have new and updated information regarding Equifax 's investigation about late payments on my report. They mailed the result of the investigation on XXXX saying those late payments were verified. I demand to see a full disclosure, audit and paper trail of this investigation.
Complaint sub-issue: Account status

I have been having problem with XXXX since XX/XX/XXXX for repoerting wrong information. 
we have no Valid contract Since XXXX changed terms of my contract monthly paymentwithout my knowledge. wrongfully repossessed the car XX/XX/XXXX. First Delinquencywas on XX/XX/XXXX. The past XXXX years I have uploaded the contract and the monthlypayment history showing the last payment date as proof to equifax but Equifax has failedto look at the document and make correction to my credit file. Since it is over XXXX years and there is no valid contract and equifax not follwing the law. I want this account be removed from mycredit file. Old and we have no cotract that I signed
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, cbc innovis, XXXX XXXX and XXXX on my XXXX and XXXX   delete, no written signatures.
Complaint sub-issue: Their investigation did not fix an error on your report

I co-signed a lease for my family member. They were unable to make payments so we turned the car back in to the dealership. However once the vehicle was sold by the dealership they never mitigated the amount they said she owed and it is showing on my credit as a repossession. Due to the fact that legally they did not follow the correct procedure nor have they verified the amount owed it should be removed immediately. I have already spoke to an attorney who feels like I have a case against them however I can not afford the legal fees at this time but I will go that route if necessary to have it removed from my credit report. Oh and they are still reporting it as an active charge off when they did not charge it off they resold the vehicle.
Complaint sub-issue: Debt was paid

I applied for a {$1000.00} loan online with XXXX in 2011 and I paid back {$2500.00} and they still say I owe them and the debt was not paid in full. I filed a complaint against them with the XXXX about 3 years ago due to threatening phone calls from them at home and my work and I did n't hear from them again until over the last few weeks a company called NE Processing in XXXX XXXX NY has contacted me and told me I still owe over {$700.00}. I asked for validation of their company and they sent me a letter with the amount I owe on it. They told me if I ca n't prove I paid this loan in full, they are going to start legal proceedings, it 's been almost 5 years?? I know that XXXX XXXX XXXX scammed me because they tried to charge me XXXX % interest on the {$1000.00} which means I would have to pay back over {$3000.00} to have it paid in full.
Complaint sub-issue: Information belongs to someone else

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed 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. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not received a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately