Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XX/XX/XXXX, and XX/XX/2019 Macys/DSNB added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, Macys/DSNB has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Equifax is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. Equifax needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. 

I have sent Equifax three letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Equifax to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have "  asked '' the alleged creditor to validate the debt, instead of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Equifax has reported in error and for Equifax to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.
Complaint sub-issue: Information is missing that should be on the report

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as PACER, e-Oscar or XXXX XXXX
Complaint sub-issue: Debt is not mine

Any accounts I 've had with XXXX were paid in full and closed was prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).
Complaint sub-issue: Trouble with how payments are handled

I refinanced my loans away from FedLoan. A payment was made in the amount of {$10000.00}, however FedLoan misapplied the payment equally across all of my loans rather than paying off the higher interest loans I intended and instructed it to. It should have instead been applied towards paying off the following loans, in full, in order : XX/XX/XXXX Direct Sub Stafford Loan ( 5.75 % ), XX/XX/XXXX Direct Sub Stafford Loan ( 5.35 % ), and XX/XX/XXXX Direct Sub Stafford Loan ( 4.25 % ). It should NOT have been applied to the XXXX Direct Sub Stafford Loan ( 3.15 % ). This will cost me much money in the long term, as now the higher interest loans have not been paid off as instructed while the lower interest one has, earning FedLoan more money than they are entitled to ( at my expense ). Please fix this payment issue and correctly apply the payments to the loans as they should have been applied in the first place.
Complaint sub-issue: Reporting company used your report improperly

Victim of Equifax security breach.
Complaint sub-issue: Information belongs to someone else

I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXXXXXX XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX XXXX
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 differenceXXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am reporting these fraudulent information in my report. I have been trying to dispute this but I get no response or anything. They just keep spamming me with collection letters instead of answering my inquiry about the said information.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I called into discover bank to see if i can get a forbearance for my credit card department I had XXXX  XXXX XXXXXXXX done XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX due XXXX XXXXXXXXXXXX XXXX With my recovery 8-12 weeks Aside from this unforeseen and unavoidable circumstance, i have an excellent payment record with discover bank and i wasn't granted hardship untill my account was 30 days late and they reported XXXX late payments to the credit bureau and XXXX payment how im i going to make any payments on bed rest i attached my XXXX documents I Also called into Discover and explained my situation and I wasnt granted any hardship before my XXXX w hardship after the late payment was reported to the credit Breau What i want to happen is my late payments removed
Complaint sub-issue: Account status incorrect

I made a phone call to Citi Bank ( CBNA ) which is shown on my credit report. It is on there because of a XXXXXXXX XXXX XXXXXXXX Card. The card was paid off in XX/XX/XXXX, I have proof of the card having a XXXX   balance. I am trying to get a home mortgage. Due to them having this on my credit report I need a letter from them. I spoke with 5 individuals one being an account manager who all hung up the phone in my face. When I finally spoke with the 6th person I wad told that I could not get a letter regarding the false information they reported on my credit report. These phone calls happened on the morning of XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX bank XXXX XXXX XXXX XXXX, 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: Credit inquiries on your report that you don't recognize

From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Complaint sub-issue: Account information incorrect

SENT COPIES OF PAID RECEIPTS TO ALL THREE CREDIT BUREAUS AND STILL NOT REMOVED AS OF XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On X/X/2017, XXXX XXXX XXXX filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my XXXX credit reports. I 've already reached out to them directly but to no success.
Complaint sub-issue: Used obscene, profane, or other abusive language

I have reviewed my consumer credit report and I noticed some unauthorized accounts under 15 USC 1681 number 3. Equifax assumed this role without permission not only that you did not have my consent. Equifax did not respect my privacy pursuant to 15 USC 1681 a number 4. Equifax did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.
Complaint sub-issue: Information belongs to someone else

I was looking over my credit report a few weeks ago and noticed accounts there that are not mine. I am also the only one who has authorization to my credit, and I have not given anyone authorization. I do not understand how this could have happened, but I am pleading to please have these accounts investigated immediately. I am in a very bad position now and I can not acquire any new credit. This is completely unfair. Please remove these fraudulent accounts immediately.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I applied to borrow XXXX from Lending Club. I had previously had a loan from them that was paid in full ( early ) and always on time. 

My credit scores are XXXX, XXXX, and XXXX. Their Adverse Action letter stated my score was XXXX. They never ran a check as far as I could tell from my credit bureau report. 

My total credit card debit is less than 5K. 
I owe less than 11k for my car I own my home free and clear and it is valued at nearly 100K My bills are paid on time. The only negative thing was a foreclosure in XXXX due to a divorce. That negative will come off my report in XXXX, Otherwise my credit is excellent! 

In the application they asked my DOB - I am XXXX yrs old, and divorced. I believe I was denied this loan because of my age. I can see no other reason since nothing other than my address changed since the last loan.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

soft credit inquiries were performed by Discover card, despite my never having applied for a credit card : DISCOVER FINANCIAL SVCS Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX in summary, 11 times in XX/XX/XXXX, 12 times in XX/XX/XXXX. spoke with 3 team members at discover and they all told me i would have to speak with the credit bureaus to make it stop.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent a request to the credit bureaus to investigate errors on my credit report. They were supposed to respond with the results within 30 days. Its been over 45 days, and I have yet to receive a response from Equifax or XXXX.
Complaint sub-issue: Problem with product or service terms changing

My credit card is opened by fraudulent. 
Please remove credit hard inquiries and account on my credit reports. 
Company : XXXXXXXX XXXX
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that they have on file that were supposedly used to verify the verizon accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under XXXX XXXX XXXX XXXX ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' For some reason, Equifax thinks sending me a letter stative " it 's been verified '', is proof of verification which it clearly is not. Please resolve this manner as soon as possible
Complaint sub-issue: Their investigation did not fix an error on your report

Note : You have my authorization to conduct an investigation into my complaint. 

My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

On XX/XX/XXXX, Equifax responded to my requests for verification of the above items. On XX/XX/XXXX, I sent Equifax a certified letter through USPS urging them to provide proof of a thorough investigation into how they were able to verify the above items in regards to FCRA 611 ( a ) ( 6 ) ( B ( iii ). I have attached proof of these requests. On XX/XX/XXXX, Equifax responded with an account history statement showing that these items were being updated on my credit report. Equifax still did not provide me with any transcripts of communication with the creditors listed in the requests. On XX/XX/XXXX, I sent Equifax another letter urging them to comply with 15 U.S. Code 1681i Section 611 6 ( B ) ( iii ) explicitly asking them to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information On XX/XX/XXXX, I sent them a certified letter urging them on my intent to file a complaint with the FTC for their disregards of the law. Equifax then responded on XXXX XXXX with another statement of account history alleging that the five charged off items belong to me. On XX/XX/XXXX I sent Equifax my last request for them to follow FCRA guidelines and provide their method of verifying these items. At this point, I have exhausted all of my resources and this is my last attempt to get them to follow the law or delete these items from my credit report. To this day, XX/XX/XXXX, Equifax has yet to provide me with any proof that they have conducted a reasonable investigation into how they verified these charged off accounts. I have only received communication that they have conducted through E-OSCAR with ACDV forms, which does not satisfy 15 U.S. Code 1681i Section 6 ( B ) ( iii ).
Complaint sub-issue: Reinserted previously deleted info

There are reports over 10 years that have not been deleted as of today. the Credit companies Equifax , XXXX XXXX, XXXX have not replied to my queries.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

We are experiencing a national pandemic. I am out of work, yet this company decided to put this derogatory bill on my credit. The bill is {$290.00}. I spoke with someone about 2 weeks ago who said they would work with me. I lost my job which I told them I was NOT working but wanted to see if I could appeal the amount with my health insurance company. but two weeks later they put this on my credit to damage my credit. Do they NOT see where are experiencing a pandemic and there is a lot going on. How can they do this???? I want this removed from my credit.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have contacted citi bank in XX/XX/XXXX to initiate a dispute against the autobody shop. The body shop returned the car to me without providing any services and they never issued the refund for the amount they charged my Citi bank credit card. I tried to call them multiple times regarding my refund but they never answered my calls. So I decided to dispute the charge with my bank because the merchant never provided any services to me. On XX/XX/XXXX I received a mail from Citi bank which I have filled and signed as instructed. After that I have never received any communication from the bank. On XX/XX/XXXX I received a letter from Citi bank advising me that they REFUSE to intervene on my  behalf with the merchant and their bank and I would need to seek other means to resolve this dispute. 
This is shocking to me as bank did zero efforts and never contacted the merchant to help its customer in their dispute. I dont understand why the bank is refusing to file a chargeback with the merchant and request the merchant to provide documents and information for the amount they have charged. In this 2 month Citibank did nothing to help me to resolve this case and never contacted merchant or the merchants bank to find out for what their customer was charged for. I disputed the charge as the services never provided and citi bank never provided to me with any proof that the merchant provided any services to me. According to Fair Credit Billing Act and VISA and Mastercard regulations Citi bank is obligated to contact the merchant and their bank to receive a chargeback as the merchant never provided any services to me. Now Citi bank is not acting in good faith and is refusing to support their customer and refusing to follow their responabilities in this matter. I am going through this nightmare because citi bank does not want to do their job and contact the merchant to see for what reason my account is charged for XXXX  USD as the merchant provided no services to me. I have never received any other communication or help from citi bank besides the letter they sent to me on XX/XX/XXXX. 
I am attaching Fair Credit Billing Act to my complain too.
Complaint sub-issue: Debt was discharged in bankruptcy

I XXXX XXXX believe that I have a legitimate case of identity theft that needs the immediate attention of the Consumer Financial Protection Bureau. My case can be described in a chronological order so that it can be clear that my personal information such as my social security number, date of birth and additional personal information are being held by a collection agency that has no legal recourse against me personally. On XXXX XXXX, XXXX my debts from any XXXX student loans were legally discharged in a United States XXXX court. All of my debts were legally discharged and there is no legal position to collect. Any student loans procured after XXXX XXXX would fall under a different legal guideline, but any or all student loan debts procured before that timeline are dischargeable from a bankruptcy petition. The use of any of my personal information to abuse my credit reports is without question an identity theft. This company is using an abusive collection process in violation of my rights under the Fair Debt Collection Practices Act. I demand my file to be purged permanently and immediately.
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 these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  DATA XX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On several attempts Ive tried to contact Equifax to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ),  XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.