Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Complaint sub-issue: Their investigation did not fix an error on your report

I have a charged off account with XXXX XXXX. They are reporting numbers that are not only inaccurate but impossible. They are reporting that I have a {$4700.00} balance but that only {$4000.00} of it is past due. This account is almost seven years old so it is impossible that the entire amount isn't " past due ''. While this might seem like subtle distinction, the FCRA is pretty clear that information must be accurate or removed. Now of course I'd like it if they would just remove the whole thing because it's inaccurate, but at he very least they should correct it. 

XXXX XXXX told me this is a bug in their system and on that basis I believe this should be deleted.
Complaint sub-issue: Information belongs to someone else

I want to dispute a hard inquiry i never authorized. 

From : Institution Information Credit Plus  XXXX, MD XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

Why is there a fraud alert on my ssn? How can I get it permanently removed it is hindering me in my search to bigger things in life that will eventually cause me pain.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX, I opened up a Citibank Checking Account through their website to take advantage of an offer they were having where if I deposited {$15000.00} they would give me {$400.00}. 

Currently, that offer is the same right now on their website, deposit {$15000.00} but this time, it's only a {$300.00} bonus. Either way, the fine print is the same. 

So after a few months of not getting the bonus, I reached out to them to see what was going on. They responded with the attached document that I saved. The customer service representative after looking over my account verified that I would receive the bonus on XX/XX/XXXX. 

" XXXX : as i see you have funded the account on XX/XX/XXXX so you will receive the bonus on XXXX XXXX, XXXX '' XX/XX/XXXX came and went and so I messaged them again and they said that they are denying my bonus. 

My husband did this exact promotion at the exact same time as me. He got the bonus. I didn't. I don't know why they're refusing to pay me the bonus that was per their terms and conditions. 

I was going to attach their reply to me but for some reason they deleted it on my 'secure messages '. Not sure why. It was case # XXXX.
Complaint sub-issue: Account information incorrect

I have a line of credit of {$4000.00} with Upgrade. My issue is that they do not file my credit limit but just my negative balance. By doing this they are making my credit file inaccurate every month. My credit file shows I'm using a higher percentage of my available credit. This is making it more difficult to get credit and competitive rates for credit.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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: Debt is not yours

I had  XXXX   XXXX  many years ago ... .Account was closed by me for billing errors ... .on  XXXX   2014 , ... account was paid in full by me ... since then It has shown up on my credit report with a few different collection agencies ... .I have disputed them all and they were taken off ... now as of recent they sent to another collection agency  Eos Cca  {$2200.00} and now is back on my credit report! I do not owe them anything ... .please remove ... .thank you so much!
Complaint sub-issue: Debt was paid

XX/XX/2022 Credit Supreme was hired to help with 1 discrepancy on my credit report. 

XX/XX/2022 I contacted XXXX XXXX to inform him that both letters had been returned to my home ( evidence attached ). The letters sent were " GOOD FAITH '' letters, not professional debt removal letters. Per my initial consultation with XXXX, I explained my attempts with removing this information on my own and made him aware that good faith letters and direct disputes with XXXX XXXX credit card XXXX have already been attempted and a more aggressive credit repair was needed. 

The discrepancy was improperly disputed. Every letter Credit Supreme sent to XXXX and XXXX was RETURN TO SENDER ( per the evidence attached ). The credit bureaus have no record of a dispute attempt for the item in question. 
I requested a REPLACEMENT round of letters to be sent out. 

XX/XX/2022 I called XXXX to check the status of my new round of letters being mailed out. He assured me they were mailed out the day I inquired about them, XX/XX/2022. 
I asked for proof, but he declined. 

XX/XX/2022 I received ANOTHER letter from XXXX that was returned and stated a dispute has not been initiated due to Credit Supreme sending the letters on my behalf. 
I made Credit Supreme aware of this and asked for it to be rectified AGAIN. Per XXXX XXXX, he was not going to send out another round of letters for " round 1 '' because the " round 2 '' date was a week or 2 away ; even though I had already paid for the initial round and the bureau never processed the disputes. 

I was charged for services that were not rendered properly. The letters being return to sender and the disputes never being filed means that services were never rendered at all. I asked to cancel the membership. XXXX 's confirmed my cancellation via text. 

XXXX I was charged for services after making it clear I wanted the product cancelled. Due to the 1st round of letters never making it to the credit bureaus to be processed and Credit Supreme refusing to replace round 1 letters, there were no services rendered!

I asked for a refund, Credit Supreme declined.

I disputed the charges with my card company and I was found to be not liable under the guise of " paid for services/items that were never received ; services not as expected '' Credit Supreme sends out a wrongful collection to my XXXX credit report for a fee that shouldn't have been charged due to the letters being returned and them refusing to rectify the issue to satisfy the service I paid for. 

DOCUMENTATION ATTACHED
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX XXXX has 4 different accounts reporting to my credit reports that are XXXX debts and are pass the statue of limitations and they will not delete them.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from XXXX XXXX XXXX XXXX . Claiming that they own the rights of a debt from lending club and demanding full payment. I need full validation of this debt. I haven't heard anything from lending club regarding this matter.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Us bank Reliacard has had my funds on lock for 10 days now absolutely no information from customer service employees
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX  XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$21000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I normally check our credit every month because my husbands job depends on our excellent credit.XXXX XXXX never submitted a bill to our insurance company for billing. This was verified by my insurance company. XXXX XXXX submitted the bill to collections and we never received a bill to our home. .They admitted that the prior billing company was negligent. This error on XXXXXXXX XXXX  part has caused our credit to drop 130 points. My husbands job is in jeopardy if this is not resolved ASAP. I have repeatedly reached out to XXXX XXXX  and have documented all communication with them. They have told me that they cant do anything until they get the records from the prior billing company that they have terminated. They said they have nothing that can help me on file, no account number or anything. So we are left at their mercy while they destroy our credit and possibly my husbands employment.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I filed a complaint with the XXXX XXXX XXXX concerning XXXX XXXX XXXX in XX/XX/XXXX. I was summoned to court by XXXX XXXX  concerning possession of the property during the COVID-19 pandemic in XXXX & XX/XX/XXXX. And, all both times I was given a continuance until I provided XXXX XXXX with their keys in XX/XX/XXXX. So, prior to this I obtained a new lease with XXXX XXXX XXXX XXXX after XXXX XXXX  mailed me a notice in XX/XX/XXXX for {$6000.00}?! I looked at the notice it said the property had a screens on the windows that had to be replaced. They said the property had furniture left in the home that they would have to remove ( glass artificial flower pot, four XXXX tires, and a water hose in the garage ), therefore I was incapable of receiving my security deposit. I insisted on doing all I could to make regular payments even though were late because I assumed they were willing to work with me because of the COVID-19 pandemic, and the emails they gave me in reference to financial assistance! So, I mailed them bank personal checks, and they mailed them back stating they do not except personal checks! I was almost ready to call them when I received court papers about other reasons unrelated to the pandemic that I was getting evicted. So, basically I was getting evicted because I got married in the home due to the pandemic which was strange. To make a long story short along the month of XX/XX/XXXX to XX/XX/XXXX I received phone calls from Hunter Warfield impersonating XXXX XXXX, then telling me that I still have debt owed to a personal owner of the property under XXXX XXXX. Im still continuing to get harassed over the amount XXXX XXXX wants me to pay them, prior to only wanting possession of there property.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize the following inquiries, nor have I applied for anything and I'm respectfully demanding that these unauthorized inquiries be removed properly and immediately. 

[ 1 ] XXXX XXXXXXXX  ( XX/XX/XXXX ) [ 2 ] XXXX XXXX ( XX/XX/XXXX ) [ 3 ] XXXX XXXX ( XX/XX/XXXX ) [ 4 ] XXXX XXXX ( XX/XX/XXXX )
Complaint sub-issue: Old information reappears or never goes away

I HAVE A COLLECTION WITH ACCOUNT XXXX XXXX THAT IS SITTING ON MY CREDIT, I CONTACTED THE ORIGINAL CREDITOR AND PAID THE ACCOUNT OFF SEVERAL YEARS AGO, I HAD TO BECAUSE IT'S A UTILITY. BUT THIS COLLECTION COMPANY KEEPS IT ON MY CREDIT REPORT SHOWING I OWE A BALANCE ON THE ACCOUNT. I CONTACT THEM AND THEY WANT ME TO PAY THE BALANCE, EVEN THOUGH I HAVE TOLD THEM THAT I PAID WITH THE ORIGINAL CREDITOR. THEY DON'T SEEM TO CARE, THEY ALSO HAVE NEVER SENT ME ANY PAPERWORK REGARDING THIS ACCOUNT AND THEY KEEP RESPONDING TO THE DISPUTES THAT I PUT THROUGH THE CREDIT REPORTING COMPANIES, AS THE ACCOUNT IS ACCURATE AND NOT MINE. THIS IS CAUSING ME TO NOT BE ABLE TO REFINANCE. THEY ARE STOPPING THE LOAN PROCESS OF XXXX
Complaint sub-issue: Information is not mine

Contacted Equifax about a Hard inquiry on my allegedly reported from XXXX XXXX dated XXXX XXXX XXXX I believe to be wrong. Also contacted XXXX XXXX. XXXX replied with letter dated XXXX XXXX XXXX confirming according to their records, that entry of the hard inquiry appearing on my Equifax reported date XXXX XXXX XXXX is indeed wrong. It will be attached.
Complaint sub-issue: Company closed your account

I have been a Discover credit card holder since XX/XX/2022. I would always pay my Discover card off quickly. As of XX/XX/2022 I did not have a balance on my credit card. At XXXX on XX/XX/2022 I received an email stating my Discover account ending in XXXX was closed " because we were unable to verify personal information on your account. '' It is important to note Discover never attempted to contact me to verify any personal information whatsoever. Moreover, when I called Discover immediately after receiving the email, the department which deals with this issue was closed until Monday and only in operation Monday through Friday from XXXX to XXXX eastern standard time. Thus, making it impossible for me to rectify my issue and in turn having to accept the abrupt account closure without warning. The email goes on to state, " We will report to the credit bureaus that the account was closed by the creditor, and credit your account with your card rewards balance if you have one. '' It is important to note I was also never credited for my rewards balance. 

This is absolutely uncalled for. Discover never attempted to verify any personal information before closing my account, which did not even have a balance on it at the time. Discover was not even open for business when they sent this email. Finally, Discover is placing my credit in jeopardy for no good reason. This activity and behavior is completely unacceptable and Discover should not be permitted to close accounts for these unspecified reasons. Please investigate.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX >Charge-off< Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX XXXX Account 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: Credit inquiries on your report that you don't recognize

I reviewed my credit report and came across 7 unauthorized inquires dated from XX/XX/2021. I would like these inquires removed at once, due to the negative impact it has on my credit.
Complaint sub-issue: Received bad information about your loan

This applies to both Private and Public loan service providers and is partly due to a significant gap in 34 CFR 685.204 concerning In-School Deferment and the National Student Loan Data System. Per 34 CFR 685.204, ( b ) ( 2 ) ( iv ), Student Loan custodians MUST process in-school deferments when they verify a borrower 's half-time enrollment status. First and foremost, this section should be amended such that the Student Loan originator MUST NOTIFY the borrower of their updated information and eligibility for In-School Deferment. At a minimum, the statute should include a mandatory notification to the borrower that they have been placed into In-School Deferment. I will now present an example of how the current process is predatory in nature : Educated borrower has graduated and begun making payments. They sign up for automatic bill pay with each Student Loan Originator and begin to pay down their debt. Years later, they decide to re-enroll to pursue a XXXX XXXX XXXX. They do not take out any additional loans. Unbeknownst to the borrower, the school supplies the borrower 's information to the National Student Loan Data System (  and possibly the National Student Clearinghouse ). The Student Loan Originator receives this information and as required by 34 CFR 685.204, ( b ) ( 2 ) ( iv ), moves the borrower into In-School Deferment. The Student Loan Originator has no requirement to inform the borrow of this transaction. While in deferment, minimum payments drop to {$0.00}, so no further payments are made. For borrowers with unsubsidized loans, their interest continues to build, with payments no longer coming in. So, through no action of the borrower and no notification to the borrower, the Student Loan Originator has increased the overall cost of the loan to the borrower, by a difference of potentially thousands of dollars. This is a predatory action. Any and all activity into and out of deferment should require written documentation and notification to the borrower. Additionally, Student Loan Originators should not be required to AUTOMATICALLY move borrowers into In-School Deferment. The action should instead be to notify the borrower to request permission to move their loan status to In-School Deferment.
Complaint sub-issue: Debt is not yours

I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. 
Company name : XXXX XXXX account was with XXXX balance last updated on XX/XX/XXXX. 
Company name : XXXXXXXX XXXX XXXX account balance is {$570.00}, last updated on XX/XX/XXXX. 
Company name : XXXX XXXX with an account balance of {$1400.00}, last updated on XX/XX/XXXX. 
I disputed these items for lack of accuracy added to my account, and it negatively impacted my credit score.
Complaint sub-issue: Personal information incorrect

Inaccurate Personal Information! 
I have been calling since XX/XX/2022 after being denied for rental property! I got letter stating that they can not pull my Credit Report nor obtain Score from Equifax, maybe due to Fraud Alert. Upon receiving letter I call Apartment Leasing Office and explained how that can't be because I do not have a fraud alert on my report. They informed me to call Equifax and try to get problem resolved. So I figure I'd try to look up my report myself and nope theres no report nor score, EQUIFAX isn't reporting any of my information! 1st call XX/XX/2022 I explained my concern and agent reassured me there was no alert nor freeze on my report. She said she would file dispute on my behalf to report problem with website! That's not what I explained was the problem but ok. I call Leasing office and pay another application fee {$50.00} to have them try again ( so now I'm out of {$100.00} ) ..she informs me samething happens. 2nd attempt to Equifax XX/XX/2022 this time they said I have an alert on my report and askes if I like to remove..now I have never asked alert to be placed!!! Furious at this point I need to know the accuracy of my Personal Information because something isn't right..She gave me so many inaccurate Addresses and I then tell her I have 1 ONE address thay needs to be on file and to update please! I give him information and he says it was taken care of and I should be able to get report! Again epic Fail! I am just trying to move, This goes on til XX/XX/2022! Called and yes I am upset and immediately ask to speak to a Supervisor only! Too many agents and noone is understanding what I am saying and instead of getting progress they are making matters worse! I get Supervisor on the line and again explain issue..she informs me theres no Fraud alert but I have been LOCKED OUT OF MY ACCOUNT BECAUSE OF FRAUDULENT ACTIVITY..wth how and by whom..Myself I ask? She says she can not give me any information but to send in certified mail or fax stating problem with copy of my License and SSC! I did both. XX/XX/2022 I receive " Updated '' Credit Report and before opening the address on front is wrong!! Personal Information still not updated and showing inaccurate information.
Complaint sub-issue: Account status incorrect

I have reached out to BANK of the West and requested that they remove the inaccurate late payments from my credit report. Bank of the West continues to report monthly to XXXX XXXX, XXXX, and XXXX nearly ONE YEAR of late payments when in fact the attached documentation will reflect that I paid faithfully in full the entire time that the report is reflecting adversely. If I had EVER been late ( which I was not ), I would have been contacted by the lending institution to resolve the matter. I have never received any correspondence from Bank of the West suggesting that I was late even ONCE let alone for an entire calendar year of 2019. I have attached a copy of my credit report which reflects 12 incorrect late payments in the year 2019. As you can see from the attached documentation, PROOF of on-time payments, but you can also see the discrepency in the credit bureau reporting that I HAD never once been late before or after the months in question. This is a clear violation of my rights under the FCRA which requires ACCURATE and TIMELY credit reporting
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identitytheft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.