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

I have sent several emails to this company and they still have fraudulent accounts on my report and I want them all removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to XXXX  XXXX  and equifax and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft
Complaint sub-issue: Account information incorrect

I contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to XXXX, XXXX, and Equifax. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit report.
Complaint sub-issue: Talked to a third-party about your debt

I received a text from my landlord on XXXX 2017 that a creditor named XXXX has contacted him stating that I owed money to them. Stating how long I have been apparently on default with them and also stated an amount due to them immediately and asked my landlord to contact me and have me call them immediately. 
I was appalled that they have contacted my landlord and informed them of a debt that I apparently owed. This is a violation of my privacy and the FDCPA act. How did they even know who my landlord was and how did they even get his number? This is very disturbing to me. 
This is not only an embarrassment to me, but a pure act of defamation of my name intentionally informing my landlord of debts that felt my landlord needed to be aware of about me. I demand this company to cease and desist all calls to ANYONE other than the person that owes the debt. I will be filing a personal lawsuit against this company and will be demanding that they prove this debt even belongs to me. They must prove it belongs to me by providing me a signature IN WRITING and i sure hope they are not reporting false information to any of the CB 's. Very livid.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX and XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Debt was paid

My account was settled in full upon termination of the service. The term they are saying they signed me up for is false and inaccurate. I paid my full term of my contract and once it was completed I terminated the service and went with a different service. They continue to say they signed me up for a longer period of time but only AFTER I tried to disconnect the service. My account was fully satisfied and now they are hurting my credit for no reason. I need this removed from my credit.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus reporting false information. I been disputing this for months. And if taking longer than 30 days to get a response. It keep coming back verified. This is false information I never did any business with XXXX.
Complaint sub-issue: Account status incorrect

The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XX/XX/XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XX/XX/XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/XXXX
Complaint sub-issue: Billing problem

I have a car loan with Ally financial. On XXXX XXXX, XXXX I started Receiving calls that but I was have to do 17 days. When I looked at my accounts I have made a payment every month on the same day at the same time. The first time I spoke to them they said that I had missed the XXXX payment and I did not the second time I talk to them they said I was behind on the XXXX payment which I did not. Final time that I talk to them they are saying that I did not make my original car payment or I did not make my payment a payment in XXXX of XXXX. The bank then does not know what payment Ive missed I feel as if they are deceptive practices to brew to put bad marks on my credit and to get extra money out of me. I also believe that my interest rate is not what I agreed to that is in my paperwork when I had signed at the dealership. Feel as if they have made an error and they are trying to make me pay for it with their deceptive practices. I believe they are in taking in the practices of credit report fraud with the statements that theyre telling me that I miss my original payment in XXXX and then the statement that they mean about me missing a payment in XXXX and just now notifying me XXXX XXXX.
Complaint sub-issue: Account information incorrect

When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact XXXX I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach XXXX in America. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I'm an accountholder with Elan Financial Services through Desert School Credit Union in Arizona. I was scammed out of {$1000.00} by a fraudster for services I did not receive in the amount of {$1000.00}. I immediately contacted Elan on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute the charge on my account and spoke with the following people at Elan : XXXX ( ID XXXX ) ; XXXX ( XXXX ) XXXX  ( XXXX, XXXX, XXXX and XXXX. One told me I would receive an immediate provisional credit within 2 hours so I can hire a licensed and insured contractor immediately to help with plumbing emergency and to call back in a few hours if I did not see the money back in my account which I did not receive as promised, another told me my case processor was assigned by the name of XXXX who is the only one who can process the credit and will call me today which she did not ; another told me I did not have an assigned case processor assigned, did not know who XXXX was, another told me XXXX was placating me about the provisional credit in 2 hours to get me off the phone and tell me what she thought I wanted to hear, another told me there was no one in the fraud dept. above her to resolve my concerns, that she was the supervisor with no one above her she reported to so she could not provide a name, and my only option was to submit a complaint in writing to Office of the President, XXXX. XXXX XXXX, XXXX, ND XXXX, that there was no phone # or fax # for the office of the President to get faster relief given my emergency. I was talked over, yelled out, disrespected and told I was misinformed and it is what it is by all of these employees at Elan. These calls are recorded, I have lots of notes. I never received the funds back today as promised and the new licensed contractor arrived at my home to fix the problem with the expectation I would have the monies back in my account provisionally credited while the investigation was opened and I provided supporting documentation. I was chastized by XXXX, the last person I spoke to who told I am no one special who deserved an exception, I was misformed by all the other people, and must succumb to their process despite being misinformed and will ensure all those people are properly trained. I said how dare you speak to me that way. I am a customer, not a utility company. She said I will need to wait up to 10 business days for a provisional credit, no guarantee or I can file a police report and file criminal charges.I have lots of documentation to press criminal charges and no one at Elan was willing to sympathize or help me. A lot of misrepresentations were made to me by numerous people yesterday and today at Elan Financial Services, and I'm a senior with health issues and deeply stressed over how I was not helped and treated by Elan. I'm not sure where else to turn to get this resolved. Is this company not regulated? How can they treat their customers like this with no accountability. Can you help me please?
Complaint sub-issue: Reporting company used your report improperly

ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # 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 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX {$270.00} DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX UTILITES DATE OPENED XX/XX/XXXX, {$1700.00}, XXXX {$310.00} DATE OPENED XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  DATE OPENED XX/XX/XXXX, {$1400.00} ALL MY ACCOUNTS ON MY REPORTS
Complaint sub-issue: Attempted to collect wrong amount

Date : XXXX XXXX XXXX I reached out to confirm information and amount and I am unsure when I was charged this amount and have had no resolution.
Complaint sub-issue: Debt is not yours

contacted collection agency advised that I never had an account and the didnt do anything. also disputed with  XXXX  with no results. this account is not mine. asked for validation that I opened the account.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.
Complaint sub-issue: Account information incorrect

On several occassions, I have disputed a XXXX XXXX XXXX  / XXXX XXXX XXXX   account that was paid in full to the creditor on XX/XX/2018. I have sent the documentation that I received from XXXX  to Equifax and XXXX that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX and they advised I contact the two credit bureaus ( Equifax and XXXX ) and have them call XXXX  with my authorization to verify the status and balance of the XXXX account. I have called Equifax and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.
Complaint sub-issue: Company closed your account

No valid reason, all conflicting lies, no evidence to their hearsay. OPM credit restoration will seek the damages from Citibanks behavior. Written notices have no reason. Citibank is holding money for no reason other than that they have shown to me they hate XXXX XXXX people, called me XXXX XXXX, accuses me of fraud for filing the first dispute ever with them and their so called zero liability. Only zeros I saw was zero liability for Citibank. Conversion and Discrimination at its best, all you have to do is listen to the 40 plus hours of phones calls I made and hear the unorganized chaotic mess, lies, and retaliation the Citibank representatives bestowed upon me and my family. I still belive the actions one or two indivuals set the Company that I loved to one that I can not believe treated me like this. Attached are corespondence, still as nothing is wrong with my accounts. Notice the closure letter is XXXX and XXXX, whomever did this is the person responsible, they also werent brave enough to tell me because they know what they did is not right. I have to change my name because of uneducated racist individuals. Btw to all readers, The Bank is the Law. Nothing will happen from this report as it never does. But it does feel good being brave enough to speak the truth rather than hiding behind your office chair and messing with consumers lives.
Complaint sub-issue: Application denied

Made NUMEROUS attem pts to speak with a  Citi    XXXX   or other representative that could assist in applying for a balance transfer card & transfer a $  XXXX  school loan balance ... However, repeatedly met inept or incapable button pressers that could not even understand the issue.     Finally, blindly made the request for credit via online submission as I was told after the credit line was approved a increase could be requested. Currently $  XXXX  will not serve the purpose of initiating a business relationship with  Citi.      Today, after  3 escalations I was speaking to Sr. Acct S upervisor (  XXXX   XXXX   )  & it 's becoming clear  Citi does n ot have a single competent person working at ANY level of customer service ...     Need to speak with an   XXXX  , customer  Executive t o exercise a meaningful  Brick & Mortar customer inquiry, a meaningful & informative request for a SPECIFIC request for a creditline increase.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX at a KeyBank location in XXXX, Ohio, I attempted to withdraw a {$1100.00} money order from 1 of my 2 checking accounts with a teller. The account I tried to withdraw from had a recent SBA loan deposited. This loan I had recently applied for and was approved for since I own businesses. The teller saw this deposit as potential fraud needing verification according to how she said she was trained because she is a new employee so she called over a manager named XXXX. I asked them both if I could draw from my other account which had sufficient balance to cover the {$1100.00} money order and he said no. He proceeded to tell me my in front of other customers, staff and the other manager that my account " was fraud '', my account would be flagged due to the SBA fraud and he needed me to sit and wait while he verified this deposit. I sat and waiting while he and another manager named XXXX called someone regarding this. I do not know who he called. As I waited I asked XXXX why could I not get {$1100.00} since my accounts had more than enough to cover this and/or I could take it from the other checking and he said XXXX is handling this. I showed him the SBA loan approval in my phone and the screen went dark and he asked me to reload it and I did and he looked again but still did not help. After 15 minutes XXXX told me I could get the {$1100.00}. As the teller was withdrawing my money order he mentioned to me where both of my accounts were opened and said in front of her that my account may be closed after I leave due to fraud. XXXX accused me the entire time I was at the bank a being a criminal. He and XXXX did not allow me to withdraw from either account which is not proper protocol. XXXX had no reason to suspect a fraudulent transaction. I showed my ID, I have been a customer since XXXX. I believe he profiled and discriminated against me. I am young and XXXX. He also made an exerted effort to watch me walk out the back to see what car I was going to or who I was with. His behavior was over and beyond protocol. He can not determine by calling anyone if my SBA loan was fraudulent. In speaking to a KeyBank executive, she acknowledged that he was supposed to at least let me draw from the other checking account. I want to know who XXXX called and what was said about me. I also suggest the video be seen of this situation. I asked a few times while I was there why I could not draw money when my SBA loan was less than my account balance before it was even deposited. He blocked all my funds, not only the loan amount. He spoke to me as it was definitely fraud every time we communicated and I had corrected him to not say that in front of XXXX and the teller because it was a legit loan.
Complaint sub-issue: Information belongs to someone else

I've contacted Equifax but I still have an incorrect address and account on my credit report.
Complaint sub-issue: Reporting company used your report improperly

I have an item on my credit report XXXX XXXX XXXX  # XXXX that is incorrect and does not belong to me please provide written proof that I authorized this account to be on my credit report in fact I never provided any personal information to this company and do not know who the company is. 

I have sent certified mailed letters to this company and they have not sent me any proof of " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.
Complaint sub-issue: Account status incorrect

In XXXX XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.