Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I reached out to the credit bureaus about a problem on XX/XX/XXXX and they have yet to respond. my biggest issue is that the bankruptcy there roporting doesn't belong to me I even reached out to the bankruptcy court and they sent me a letter saying that they do not report so how this information is on my credit I have no idea but i would like it to be removed right away
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Owed : {$0.00}
Complaint sub-issue: Information is not mine

I have tried for at least 6 months to get items that are incorrect and or not mine removed and XXXXEquifax seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.
Complaint sub-issue: Account information incorrect

Between XXXX I have been sending dispute letters regarding accurate reporting for certain accounts. By law, because you have reported these inaccuracies on my credit report and I have sent you a letter regarding this matter you should remove the account reported. It has hindered me from attaining a home loan and has ruined my reputation. 

The companies have either neglected to respond or responded with updated information instead of deleting the inaccuracy in which there are required to delete. The damage is already done to my credit. They have reported Charged off Accounts that have not only been fully verified but also remarked as charged off, but appears to show a Past due balance, inaccurate dates, and incorrect amounts owed.
Complaint sub-issue: Reporting company used your report improperly

In 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute for a charge of {$540.00} in XX/XX/XXXX for merchandise that I never received. On XX/XX/19, Citi APPARENTLY sent a letter indicating that the merchant had responded. I say " apparently '' because they certainly didn't send ME the letter as I never saw the letter. In looking on Citi 's  website in an obscure and hidden area, I have now found the letter that they are claiming they sent me. 

In it, is enclosed the merchant response, which is essentially blank and does NOT include tracking information of any kind proving receipt of the merchandise. They reversed the conditional credit anyway. When I contacted them today, I spoke with XXXX ( a supposed supervisor in the Kentucky call center with employee ID of XXXX ) who indicated there was nothing further they could do and that the case was closed. 

I indicated my outrage as to how on earth they could accept a response from a merchant WITHOUT any proof of tracking number or merchandise delivery, when the very NATURE of the dispute was merchandise not received. It fell on deaf ears and now I'm stuck paying for merchandise that I never received. I'd like something done about this if at all possible.
Complaint sub-issue: Was not notified of investigation status or results

I have send numerous letters to this company and haven't yet received any response.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. IT HAS BECOME IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE NO IDEA WHO WOULD BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I applied for a Macy 's Amex credit card on XX/XX/XXXX. I received the card 1-2 weeks later in my mailbox. 

Since the name on the card was not correct ( my first name and last name switched ), I requested a replacement. However, I did not receive this new replacement card. Instead, I was notified by Macy 's in the beginning of XXXX that there seems to be fraudulent activity on my card. I contacted Macy 's immediately and asked them to stop further fraudulent activity. 

Apparently, someone stole the shipped card and used it for purchasing and getting cash while the new card " was not activated ''. Here is the list of these fraudulent activities : ( 1 ) {$200.00} on XX/XX/XXXX ( cash advance ) ( 2 ) XXXX on XX/XX/XXXX ( 3 ) XXXX on XX/XX/XXXX Also, I was charged with cash advance fees ( 4- {$8.00} ) and interest fees on cash advances ( 5- {$2.00} ). 

Although Macy 's claimed that they will remove these charges from my account and investigate the issue within 2 billing cycles, they did not. They only removed charge ( 3 ). All of the remaining charges stayed on my balance and I had to pay them off to prevent interest charges on my account. 

I have contacted Macy 's customer service multiple times in the last 2-3 months. Each time the representatives assured me that the issue will be resolved shortly or even " expedited ''. Today ( XX/XX/XXXX ), I called Macy 's customer service again and learned that they did not even know about charges ( 1 ) and ( 2 ) being fraudulent. The representative claimed that they will start looking into those charges now. 

I think Macy 's and Amex need to look into two problems : ( A ) A credit card that was not activated was used for fraudulent activity and purchasing ( B ) No one at these companies seems to care about removing these charges from my account I appreciate your help in resolving these issues. Thanks! 

( Attachement : Credit card statement containing the charges )
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for Citi XXXX card with the offer " spend $ XXXX within 3 month and get XXXX ThankYou points ''. I completed the requirement within the first billing cycle, but the bonus didn't post. I reached out to Citi 's customer service multiple times, but they gave me an excuse saying I closed the same type of account within 24 months so I didn't qualify for the bonus. But the truth is, I closed my previous Citi XXXX card late XX/XX/XXXX, and opened my most recent one on XX/XX/XXXX. This is clearly beyond the 24-month window. When I asked them what the closing date of my previous XXXX card was, they refused to provide the date, knowing that this would only prove my point. I feel very frustrated to be the victim of " bait and switch ''. The application left a hard inquiry on my credit report, and I have to pay {$95.00} annual fee on this new card. I feel I deserve the advertised XXXX points given that I satisfy all the requirements.
Complaint sub-issue: Don't agree with the fees charged

A company Called Texas Guaranteed, later renamed Trellis Company sued me in the wrong jurisdiction, the state of Texas, and I have never even been to Texas. I live in New York. They started garnishing my wages while I was working at XXXX XXXX and that was how I learned they were suing me, they didn't even sue me first to obtain a judgment, they just started garnishing my wages. They also added over {$2000.00} onto my loan. I spoke to the federal government in XXXX and was told I had no federal student loans, they were all private. How did these 2 loans suddenly become federal loans? I was forced to pay {$130.00} per month to Texas Guaranteed, now known as Trellis in exchange for them to stop garnishing my wages, which they were taking over {$200.00} a paycheck as a garnishment. I told them several time they were suing me in the wrong jurisdiction and that it was illegal but they did not care and stated they could get away with it. NSLDS states the total borrowed on one of the loans was {$2900.00} & with an outstanding principal as of XX/XX/XXXX of {$2300.00}. The second loan states the total borrowed was {$11000.00} and the outstanding principal as of XX/XX/XXXX was {$9100.00}. The loan was also for some reason put in forbearance without me knowing or being told on XX/XX/XXXX. I will attach documents but Texas Guaranteed now known as Trellis added on fees, sued me in the wrong jurisdiction, started illegally garnishing my wages to force me into a payment plan from the wrong jurisdiction and added on thousands of dollars in fees to my loans. I had to switch the loan to another service provider because they were not providing me tax forms for the IRS so I could do my taxes and I have need them held accountable for their actions. I would like the loans to be wiped out and the fees taken back and to refunded for the payments I was forced to make to this company as a result of my wages being garnished and me being sued in the wrong jurisdiction. I need them to be held criminally accountable.
Complaint sub-issue: Information belongs to someone else

There are multiple accounts on my report I do not recognize
Complaint sub-issue: Debt is not yours

I show on my credit that I owe XXXX XXXX XXXX XXXX XXXX dollars. Over the last 3 years have gone back and forth with them, that I do not own this debt. I return the equipment and it was received on their end. No one will fix it and than now it is showing up on my credit. I am please asking to finally remove this off my credit as I do not owe this balance and it is unfair to my credit. 
Thank you for your help in advancw
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. XXXX XXXX  ( XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an inaccurate account with all three credit bureaus ( Equifax, XXXX, and XXXX  ) and none of them took into consideration the proof that I sent in along with the dispute. XXXX XXXX XXXX XXXX is inaccurately reporting an account with different last payment dates and payment history to all three bureaus. Even during the process of disputing XXXX XXXX XXXX XXXX continued to change the payment history on all three bureaus, yet still none match up with accurate and CONSISTENT information. It is by law that any information reporting to any Credit Bureau is accurate and consistent. None of these Credit Bureaus properly investigated this claim and I would like this account deleted as soon as possible as they are consistently changing information and damaging my credit.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not take the necessary steps to protect my PI and, when my information was breached, took longer than an acceptable amount of time to disclose it. In addition, they are providing credit monitoring services for only ONE year, while automatically enrolling people who sign up in their paid monitoring service after the free term is up. This seems as if they are trying to take advantage of people who they put in a terrible spot already.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Without my permission or being contacted in any form or fashion, XXXX XXXX pulled my credit report ( HARD ) on XX/XX/XXXX, by this company. I did not request a pull of my credit report for a mortgage, and this is FRAUD. When I tried to call the company, the XXXX number would not go through, and I tried multiple times. I called the next number I found on their website and never could reach a live person to speak with about the false and unauthorized pull of my credit report. The inquiry is showing on my credit from all three bureaus. I have put a fraud alert on my credit report through XXXX  and Equifax. I want it removed from my report ASAP from all three bureaus as it affects my credit and states it will not be removed until XX/XX/XXXX. Further note, I never contacted this company or any other company about refinancing my mortgage at this time. 

Company information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account. The creditor is reporting a past due amount on a charged off account. I have advised the credit reporting agency that they are in violation and they refuse to respond to me or correct the issue.
Complaint sub-issue: Attempted to collect wrong amount

XXXX mailed dispute certified mail to them and as of XX/XX/XXXX it was returned for being not deliverable.
Complaint sub-issue: Debt is not yours

Hello, I received a call from Enhanced Recover Company. The young lady stated they were collecting on an XXXX bill from XXXX in the amount of {$190.00}. She reference my mothers address and that is the address i no longer reside at. I advised i cant remember that far back and advised i don't recall ever having XXXX Service at All. She started asking me question about fraud and if anyone has opened any accounts in my names. I asked her to send me a debt validation letter which i received on XX/XX/XXXX. The only thing that was on the letter was the creditor name last 4 of account number that all. Their was no phone number no list of charges or any plan information that would identify the account was mines at. I don't recognize this account and indeed why would i get a call almost 7 years later about this matter?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act XXXX XXXX Bank 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 have several accounts opened in my name on my credit reports in which I have followed the dispute process and all have been asked to be removed and that I claim 0 responsibility. This is all accounts except for my active XXXX account thats not listed, my XXXX XXXX  credit card, pretty much what I havent disputed is fine. I need these items removed immediately for it is impacting my credit worthiness and has been impossible for me to apply for anything. 

Thanks XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Due to bad security, leaked my SS, DL Number, DoB, and other identifying information. 

They knew and kept it quiet for multiple months, placing myself and others at unknowing risk. 

Their only offered fix is a 1 year protection, which requires waiving my rights to damages.
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX credit card today XX/XX/20 and I was not approved ; I was told that I did not get approved due to having many accounts in negative standing appearing on my credit. I had no idea there were negative accounts on my credit report so I looked through it and I saw about 9 accounts that do not belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I'm not sure why these accounts are on my credit report but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have never had any written/verbal contract with any of these companies and I did not give them permission to run or access my credit information.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This account is fraud. Please delete it immediately. I have attached the ftc report.
Complaint sub-issue: Debt was paid

SCA Credit Services, is trying to collect the PPO discount amount from medical bills that were paid in full. We have repeatedly sent Explanations of Benefits with the claim numbers showing that the claims were paid according to the agreed upon discount between the provider and the insurance company. 

SCA Credit Services, XXXX XXXX XXXX XXXX, XXXX, VA XXXX In regards to : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX In looking through the documents I'm finding several different account numbers. Maybe this is adding to the problem.
Complaint sub-issue: Didn't receive notice of right to dispute

I havent received any validation notice via mail or email.
Complaint sub-issue: Didn't receive enough information to verify debt

I am not liable for this debt with XXXX and I do not have a contract with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1400.00}
Complaint sub-issue: Account information incorrect

The information provided on my credit report by XXXX XXXX XXXX Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

In XX/XX/2021, I learned that two things had happened that appear to be the result of identity theft : - An account for which I did not apply was opened in my name with XXXX. No charges had been made. However, XXXX refuses to close the account. 

-I learned XXXX had reported me to collections for an account opened with my name and address, but with a fake email address. A {$200.00} charge is owed on this account. XXXX refuses to close the account while it is under investigation with their collections company, Jefferson Capital.

** Strangely both Jefferson Capital and XXXX are based in the same zip code in XXXX XXXX, Minnesota. Is there some connection between these two entities related to these fraudulent activities? ** Could I please get your help with : - closing the fraudulent XXXX account before any charges are made - closing the fraudulent XXXX account before MORE charges are made and helping me deal with their suspicious collections agency which is in the same zip code as XXXX. 

Thank you so much!
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have reported inaccurate information to my credit report.
Complaint sub-issue: Fees charged for closing account

For 7 years I previously had two 10 year CDs with DIscover Bank ( opened XX/XX/XXXX and XX/XX/XXXX ) and received a " Welcome Letter '' and " Account Agreement Disclosure '' via XXXX several days later for each. I was fully aware of the 9 month interest penalty associated with early withdrawal. 

I opened a 3rd CD in XX/XX/XXXX. via electronic signing. I did not receive a " Welcome Letter '' nor an " Account Agreement Disclosure '' for this 3rd CD. A reprint of the welcome letter ( attached ) was requested and received about two weeks ago. 

I have withdrawn ( early ) all money from CD1 and CD2 and willingly paid the 9 month cancellation fee. I have tried to dispute the outrageous 24 month cancellation fee, {$2200.00}, for CD3 but could not. As a result I have also withdrawn ( early ) all money from CD3 and reluctantly paid the 24 month cancellation fee. 

I was not advised of the ridiculous 24 month penalty prior to opening this 3rd CD.
Complaint sub-issue: Contacted me after I asked not to

Improper contact after I asked them not to call me, ERC collection agency left threaten messages to my phone and parents house say that I would go to jail if I did n't contact them in 10 days.
Complaint sub-issue: Account status incorrect

XXXX is reporting credit usage for account XXXX XXXX that it's active. This account is closed and should not be reported as open.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  discover # 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 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.