Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX  credit history and legal actions will be taken. I have prove of what I said above about XXXX  NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019, the following company Office/Depot XXXX without permission pulled my credit report without my knowledge or permission
Complaint sub-issue: Information is missing that should be on the report

During COVID i had taken a break from studies to travel as I was affected by it. I set up auto payments to my XXXX XXXX account to pay for my loans as I would be responsible for them while I was out of the country. Upon returning I was met with delinquent charges on my credit account from a new lender, Firstmark who had bought XXXX XXXX student loans. In all my credit accounts I maintain a strong history of paying on time and I feel these delinquent charges are in error and is not my fault. When Firstmark took control of my account all auto payments went void, and within the first month of nonpayment my account went into delinquency. I received no correspondence while away. When I came back home I was able to get in contact with Firstmark after discovering delinquency on my credit report. I had to update the phone number, email, and mailing address they had on file. When I called a second time they said its been on file the correct way the entire time, which was a lie. I wanted to pay a large sum of money down and go into forbearance as I pay the remaining loan off but the terms of forbearance void any credit retraction plea on their end.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. P.O. XXXX XXXX. XXXX, GA XXXX. 
XXXX : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt resulted from identity theft

Macys and Citibank, on behalf of Macys making harassing phone calls after the fraud charges were removed from my account. They neglected to removed the fees and interest charges associated with the fraudulent charges!
Complaint sub-issue: Information belongs to someone else

hippa violation and FTC violation showing on XXXX and XXXX and XXXX
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I received the results of a background check done through Checkr.com for a position at XXXX XXXX. Included on the report was a record from XXXX County dated XX/XX/XXXX for a misdemeanor charge : XXXX XXXX XXXX XXXX XXXX XXXX. Previous background checks that have been performed did not include this record, or gave me an option that stated I was not required to include this record based on its age. I contacted Checkr.com 's support and they respond with an email : " Thank you for contacting Checkr, Inc. regarding your background report. We understand that you have questions as to why certain offense ( s ) show up on your report, given their age. After reviewing your report, we are writing to advise you, that based on your location and reporting guidelines, the information is reportable.

Please understand that if you have had reports run in the past, these reports may look different and include different offenses, depending on when the report was ordered and which company ordered the report. It is the decision of the company you have applied with to determine the scope of the report. If you have any questions about how your report will be considered by the company you applied with, please contact that company directly -- Checkr is not involved in decisions about whether to hire or engage a candidate. 

After you review your report, if there are any errors or inaccuracies, please let us know -- please be specific to help with our reinvestigation, and we are happy to assist. 

I responded with : " I was doing some research on why this item might be included on my background check, and the consumerfinance.gov website makes it seem that this record can not legally be included in my report. 

" In some instances, information may be reported that is out of date or prohibited by law. For example, under the FCRA, an arrest is generally not allowed to be reported when it is older than seven years, or outside the governing statute of limitations.66 " Would you mind citing any rules or regulations that allow this record to be included? I understand that there are exceptions to the 7 year rule, but I can't find anything that would allow a 9 year old misdemeanor to be included. I'm trying to get a better understanding of this record because it has not showed up on other background checks I've had done, or the other companies had an option for me to provide more details about this record, and typically the answer I was prompted to include was something along the lines of " I am not legally obligated to report this record to employers based on how long ago it occurred. '' Thanks for your help! '' Could you please help clarify if this record should be included on my report and if it is, why? This record is 9 years old and I live in Colorado, so all my research has pointed to this not being a valid record to report. 

Thank you for your help.
Complaint sub-issue: Personal information incorrect

I received a copy of my credit report and I noticed an outdated/incorrect address as well as misspellings of my name. The incorrect address is being reported by XXXX. My name is being reported incorrectly by both Equifax and XXXX. 

I sent a dispute letter to all Bureaus on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/XXXX. Equifax and XXXX deleted the incorrect address however, XXXX hasn't. Neither XXXX nor Equifax deleted the misspelled names. I did receive stall letters in the mail stating that my letters were not from me and they were. I responded back to each stall letter and the Bureaus still have not removed the incorrect personal information that is being reported. All letters were mailed by Certified Mail and were delivered per the tracking numbers. I have a copy of all the Certified Mail receipts and tracking numbers.
Complaint sub-issue: Reporting company used your report improperly

U S Bank Improper Use of Reporting In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on consumer account under an open end consumer loan/ credit plan as late for any purpose
Complaint sub-issue: Public record

We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XXXX. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than two, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of two forms of identification, in order to have these disputed items removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit was ran without my knowledge or authorization on XX/XX/2019. Supportive documentation was sent several times without success to remove them. 
On XX/XX/2019 my credit was ran twice with Equifax. As soon as I noticed it contacted them to let them know the illegitimacy of the inquire and need an investigation and to remove them since is harming my credit too. Equifax told me that they CAN NOT do anything about and I have to contact the source companies on my own even I mentioned that my credit was hit without my knowledge and I never had business with any of them. XXXX XXXX XXXX contacted them and sent me a letter dated XX/XX/2019 to back up their response that they didn't do that inquire. The same XXXX  ( XXXX XXXX XXXX ) did the same and the Controller reached out to Equifax but they did nothing, then since I saw no changes or answers I reached out back to Equifax and they keep refusing to do anything on my behalf even the businesses called. XXXX XXXX XXXX sent me a letter on XX/XX/2019 to probe they did what they could. I reached out Equifax again and they told me to fax the letters, with one letter from me explaining the situation, copy of my SS, DL and copy of utility bill which I sent XXXX XXXX XXXX. Then I received a letter from Equifax once again to let me know that the fax was not successful and I have probes that I sent it twice SUCCESSFULLY. They were requesting me to send the ORIGINALS of the letters to XXXX XXXX XXXX, XXXX, GA XXXX. I sent my ORIGINALS as they requested with Certified Mail and Return Service on  XX/XX/2019 and they received MY ORIGINALS on XX/XX/2019 as we can see the stamp on the receipt. Now since I reported this to EQUIFAX for more than SIX MONTHS letting them know that my credit was run WITHOUT MY AUTHORIZATION but they don't care and even they received several communications from my side ( phone calls, fax and letter with supportive documentation ) communications from the business involved ( calls and letters ) I need to report that my credit is at risk and EQUIFAX is not taking the steps to PROTECT AND INVESTIGATE how my credit was impacted without my authorization and they are also refusing to REMOVE THIS IMMEDIATELY and give me a decent answer with an investigation regarding my inquire and where MY ORIGINALS are now with MY SS AND FL DL that was required by them twice. I reported this issue to XXXX and they contacted EQUIFAX ; they replied that they won't do anything until 2 years ( this is not a legitimate inquire, 2 years apply when are legitimate ). The Trade Practice Specialist XXXX XXXX XXXX from EQUIFAX not even took the time to check the documentation I attached where he would be able the supported claim which not only gave me 2 hard inquires on my credit but the worst part is that my credit was ran without my consent and the businesses ( XXXX  XXXX XXXX XXXX and XXXX XXXX were not able to find a trace of my information and they can not find how this happened ). Attach you will find all the required and verifiable documentation you may need.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Klarna is a credit card company assisting retailers. They provide credit cards to customers so customers can purchase from retailer. 

XX/XX/XXXX - Retailer issued credit to my fully paid Klarna card on prior purchase. 
XXXX - Nothing happened. 
XXXX - I contacted Klarna to ask for refund. Only communication option was a " chat ''. Chat rep advised the refund was " applied today ''. Impossible for a refund to take a month to apply, so I'm immediately questioning truthfulness. The rep told me I would be refunded in " 1-7 business days '' XX/XX/XXXX - No refund. I go to chat again. The rep tells me the need to " connect you with our finance department '' Then the chat goes dead and no more response. Then I can't connect to chat anymore, like I'm cut off. I advised I'm filing with CFPB. Waiting to hear back and this is me filing complaint.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

We've send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report.
Complaint sub-issue: Problem with rewards from credit card

I have had a Citi AAdvantage Platinum Select credit card since XX/XX/XXXX, if I remember correctly. One of the benefits promised by this card is a {$100.00} voucher for XXXX XXXX, awarded annually as long as you met a {$30000.00} spending threshold within the account year and renew the card for another year. It has recently occurred to me that I have not received this benefit since XX/XX/XXXX. I have spoken to a friend who has the same card and he too has not received this benefit in recent years. I have contacted the credit card company via their online chat, their corporate XXXX account, and their call center on XX/XX/XXXX to seek a resolution : they have been unable to determine when my last voucher was issued and have been told to initiate a dispute with the airline and transferred me to the airline. Since my credit card is a deal between me and Citi, I believe it is their responsibility to resolve this situation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 item 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 ) 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: Investigation took more than 30 days

I filed a dispute with XXXX in regards to the incorrect items reported on my credit report. It has been well over 30 days with no investigative results.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 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 an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested via certified mail and green return receipt, a reinvestigation of this inaccuracy of an account being reported. Ive requested that all documentary evidence used to validate this account be provided to me. 
Pursuant to 15 USC 1681e Equifax and XXXX failed to comply with federal law. 
Instead of updating this account accurately to paid in full, both CRAs have stated that the creditor has verified the reporting status of this account. I am the original creditor the only person who can validate any allegation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Two fraudulent Hard Inquiries on my account.
The first one is from XXXX XXXX. It is showing up only on my XXXX credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XX/XX/XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX XXXX agai, spoke with XXXX in their fraud department today, XX/XX/XXXX XXXX EST and they are again promising that they will remove the inquiry with 30-60 days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XX/XX/XXXX. It is only showing up on my Equifax report and it registered as XXXX. I called the number that was associated with this also on XX/XX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my Equifax report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx
Complaint sub-issue: Debt is not yours

The account is not mine and it keeps getting put on my credit report. The account is in the name XXXX XXXX and my name is XXXX XXXX XXXX, I called the Debt collector and they told me the name the account was in, the company that had original account was XXXX XXXX. However, the the debt collector PDQ Services keep putting this account on my credit report after I have disputed it many times. XXXX XXXX is my Mother, who is now deceased and when passed in 2014 and was in her late XXXX 's.
Complaint sub-issue: Problem during payment process

I have a loan with CITI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CITI with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX  ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX (XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX )
Complaint sub-issue: Personal information incorrect

I don't know how to go about getting this corrected so I was told to file a complaint if thingson my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. I found an incorrectspelling of my name ( XXXX XXXX ) not name please delete it. I was looking further intomy file I found addresses that I never lived at. Please delete the following unknownaddresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX