Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

Hello, This debt amount was XXXX for a bill I didn't owe. My ex spouse opened this account. I reached out to the debt collector ERC-charter on XXXX to settle the debt and get it removed from credit report. Rep. Offered me a settlement amount if made in 1 payment of XXXX I agreed to settle this debt in single payment if it would be removed from my credit report and be a settled debt. XXXX was charged to my credit card on XXXX and a payment was received by ERC. On XX/XX/2022 a letter was sent to me by mail stating they received my payment of XXXX on XXXX and that I had a remaining balance of XXXX that was still due. It states please make a payment towards my remaining balance that's owed to settle my debt and lists all the ways to pay them. I am a little concerned because this is not the agreement that was made.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the XXXX XXXX XXXX XXXX. The List of account i have provided below has violated my Federally Protected Consumer Rights to privacy and confidentiality under { 15 USC 1681 } XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX & XXXX : Acct # XXXX, XXXX has violated my rights. 
XXXX XXXX : ACCOUNT # XXXX, XXXX, XXXX has violated my rights. 

{ 15 U.S.C. 1681 } Section 602 A. States : I have the 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. 

{ 15 U.S.C. 1681c } ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other " Adverse Items '' of information, other than records of convictions of crimes which antedates the report by more than seven years.

{ 15 U.S.C. 1681s-2 } ( a ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing incorrect late payments with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX - ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Has violated my rights. 


5 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Account information incorrect

CRA of 15USC ; 1681, SECTION 602A, states I have a right to privacy. Also, it states the credit reporting agencies can not furnish account data without my permission/consent.
Complaint sub-issue: Problem with rewards from credit card

I have a Fidelity Rewards Visa Signature credit card as described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card. As it states clearly, quote as below : " Every eligible net {$1.00} spent equals XXXX Reward Points. 
No limits on total Reward Points and no restrictive categories Reward Points will not expire ''. I never heard of anywhere or was told that the reward points would expire. So I never thought of checking my rewards status, until recently I came across my rewards activity and realized that over the past year a total of XXXX points of mine expired in 3 times. I contacted the card customer service and they told me unused points would expire after 5 years ( which was completely opposite to the introduction on their own website ), and they could not reinstate my expired points.
Complaint sub-issue: Public record information inaccurate

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their court. Please provide proof from the court of this public record. I never filed bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. XXXX also accused me of not getting a police report from the police department that is not true and insulting. XXXX XXXX accused me of using a third party or a credit repair and again that is not true I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply.
Complaint sub-issue: Old information reappears or never goes away

I called the company a few weeks ago and asked them when they would stop reporting to credit bureaus and I was told that it would be removed once my bankruptcy has discharged. My bankruptcy has discharged and they are still reporting to the credit agency Equifax that the account is still open in collections.
Complaint sub-issue: Information belongs to someone else

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these Items. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Problem after you declared or threatened to declare bankruptcy

I reached out to XXXX XXXX XXXX because my auto loan is 4 months behind and I have retained an attorney and am in the process of filing chapter XXXX bankruptcy. I told them I was voluntarily surrendering the vehicle back to the company and they transferred me to the correct department. I verified my identity and gave the representative my attorneys information and answered all questions in regards to the vehicles location and mentioned it is ready for pickup ASAP. Prior to this call I received numerous calls and emails from a XXXX XXXX with their XXXX XXXX XXXX. Now, two weeks after providing information and requesting the voluntary surrender of the vehicle, I have began to receive harassing messages and calls from XXXX XXXX again.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is reporting extremely low credit scores to XXXX XXXX during car loan application process, in order to allow XXXX XXXX to increase interest rates or having your application denied. 

The discrepancy in credit score between XXXX XXXX and the 3 other credit bureaus is over 300 points lower than the other 3. 

Please stop them from accessing consumer information and formulating scores that hurt people 's borrowing potential.
Complaint sub-issue: Reporting company used your report improperly

Routine check of my credit file # XXXX indicated on XX/XX/17 Equifax released by credit file to XXXX for no permissible purpose. This was an unauthorized an illegal release of credit information.
Complaint sub-issue: Information belongs to someone else

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Complaint sub-issue: Reporting company used your report improperly

The XXXX XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XXXX/XXXX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. The XXXX XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/ 2020 a hard inquiry appeared on my XXXX credit report that I did not authorize. I contacted XXXX, who informed me to file a complaint with the FTC. This was a fraudulent inquiry. I absolutely did not apply for credit with Exxon.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I have no contract with this company and this company is not licensed to collect in Florida and this account have been removed from my report previously and was reinserted without any notification. Which violate FCRA laws
Complaint sub-issue: Problem with personal statement of dispute

I am filing this complaint against Equifax due to failure to investigate fraudulent credit inquiries on my credit report. I sent a Multiple Inquiry Removal Letter on XXXX XXXX, XXXX by certified facsimile in order to dispute information, in regards to the several inquiries that I have listed below. I recently spoke with a rep from Equifax regarding this same issue and the rep placed a fraud alert onto my credit report and I was told to file a police report also regarding the fraudulent credit inquiries to have them removed. Even after the fraud alert several fraudulent credit inquires appeared on to my credit report which led to myself filing a police report in which I attached a copy to go with the Multiple Inquiry Letter showing the credit inquiries that I stated that were not factual. They received those forms on XXXX XXXX, XXXX. I received a computer generated response from Equifax dated XXXX XXXX XXXX in the mail on XXXX XXXX XXXX telling me that Inquiries are a factual record of access. If you believe these inquiries are unauthorized contact the creditor According to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified facsimile, one can assume that there was no investigation into the matter. I plan to purchase a home in a few months and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am filing this complaint due to lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything and I do not have accounts associated with those inquiries. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute a fraudulent charges on my credit report. I am a victim of identity theft. I would like to request that the following accounts be deleted from my credit report. The following charges were not authorized : XXXX Account # : XXXX and XXXXXXXX  Account # : XXXX. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amounts be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Debt was result of identity theft

In XXXX of XXXX, I got a notification on my credit report of a loan fraudulently taken out under my name and information that I did not take out. Also saw that they ran my credit as an Inquiry on XX/XX/XXXX, again they also ran my credit on XX/XX/XXXX, and again on XX/XX/XXXX without my consent. I had not checked my credit or opened an XXXX until XX/XX/XXXX. I was unaware of this activity because I hardly request credit. During this time I was under XXXX XXXX with very limited income as I did not have a reason or need to request credit. The Original Creditor KWICKCASH Inc. ran my credit fraudulently at XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX gave out a loan to someone under my information of over {$2000.00} and failed to do their due diligence to ensure it was in fact ME requesting this loan. I contacted by phone & attempted & explained this is not my debt, not my loan and that I NEVER have taken out this loan. I requested for them to supply as to where I supposedly signed for this loan, and to provide what Identification they used to give this loan to someone else? They refused to provide that or acknowledge that their staff did not do their job to verify Identification prior to taking out a loan. All they instead said was to pay a collection of Identity theft that is not mine, and to go to my nearest police dept. Yet they failed their burden of proof to provide the documentation that was used by their employees to give out this loan to someone using my information. This has resulted in my credit scores to drop and affect my credit profile significantly. I have numerously tried to dispute this Identity Theft on the credit bureaus, but they keep reporting this non sense. KWICKCASH INC. finally sold this collection off to XXXX XXXX XXXX, XXXX opened XX/XX/XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. Fraudulent Loan is at {$2400.00} at this time. It's taking me some time to get advise or get advise on how to get this resolved as I can't afford an attorney nor ever have gone through an Identity theft issue as this is the first time I have ever dealt with this before and felt lost after so many attempts to dispute with KwickCash Inc. and XXXX XXXX XXXXXXXX XXXX My goal is to have this resolved by deleting this fraudulent debt off my Credit Profile and all 3 Bureaus and for them to be adjusted and properly removed. I suspect that either the employees at KWICKCASH INC did not do their job ethically and responsibly or their own employees intentionally assisted in taking this loan out for someone they either knew or to help a criminal take it out to just make their commission, similarly to what XXXX XXXX and XXXX did back in XXXX of opening fraudulent accounts, except now the small financial companies like KWICKCASH Inc. are doing it. Please help. A Fraud Alert has been placed with XXXX and am doing my best to further resolve this.
Complaint sub-issue: Information belongs to someone else

Close XXXX XXXX  Account Name XXXX Account Number Credit Card Account Type Authorized user Responsibility XXXX XXXX Account XXXX XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 246 Monthly Payment {$8500.00} Credit Limit {$8900.00} {$8900.00} Balance Updated XX/XX/XXXX {$8400.00} This account is not mine, XXXX  removed this account, but XXXX  and Equifax still have this account under my name I attached dispute information from XXXX.
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/XXXX I was charged 3 x {$30.00} ( {$90.00} total ) for the first checked bag fee on XXXX XXXX domestic flight for myself and 2 companions. 

At the time I had a Gold card and was told on the phone by a Citi agent prior to this flight that I would not be charged for 1st bag fees as I encountered on a prior flight. They would fix it in their system and make sure my rewards were correctly linked. 

However, I was fraudently mislead as I was charged the {$90.00}. This apparently because it is not a Gold benefit, but only a Platinum credit card benefit. If I was correctly informed, I could have avoided the fees by upgrading to a Platinum card, or planned baggage differently. 

Citi acknowledges that the agent misinformed me, but that it is not a benefit for the Gold card. That is the same to me if a retailer informed me that something was free, but then charged my credit card anyway. I'm sure in a dispute Citi would agree that is not right and my charge would be reversed.

I'm asking the same for Citi, that they will refund me this charged that Citi told me wouldn't be charged. It is not my fault their agent was not appropriately trained to provide me the correct information.
Complaint sub-issue: Account status incorrect

XXXX still reporting negative information on my credit report when I have been in an active Chapter XXXX bankruptcy since XX/XX/2019.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX XXXX and I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX CO XXXX Balance {$0.00} FXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Complaint sub-issue: Information belongs to someone else

The previous submitted complaint was never resolved. IC systems has replied to the complaint and stated they have sent a response and did not. I have no contractual business with IC Systems and they have not responded to my initial letter.
Complaint sub-issue: Their investigation did not fix an error on your report

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$0.00}