Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information

my new telephone number is XXXX and equifax refuses to update it and creditors have denied me based off the inaccurate fraud number they have i can not provide a phone bill because i have a prepaid account with no bill. my ssn XXXX dob XXXX/XXXX/1976 address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX I NEED MY NEW NUMBER LISTED ABOVE UPDATED ASAP
Complaint sub-issue: Reporting company used your report improperly

Accordance with the fair Credit Reporting Act XXXX account # 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C s 1692b-4 : not communicate by post card ; 15 U.S.C s 1692b-1 : identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer 15 U.S.C s 1692b-2 : not state that such consumer owes any debt ;
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Bankruptcy Account : 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 XXXXXXXX 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: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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: Information belongs to someone else

I was trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX and XXXX. I now live in Florida. Someone has you my information to open accounts and credit. 
XXXX XXXX File Number : XXXX EQUIFAX Report Confirmation # : 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 The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am a victim of ID The
Complaint sub-issue: Their investigation did not fix an error on your report

This was original complaint, the company answered but never researched as stated, if so, they would have gotten the same letter I did which shows this accident someone else and not me. I am attaching new evidence. 

I attempted to get insurance for my car through XXXX XXXX, and the rate quoted during quote was lower than when I went to check out. It stated I had an accident with injury on XX/XX/XXXX that I was at fault over, I talked to service person and they confirmed and gave me phone number and Reference number # XXXX. I contacted LexisNexis ( XX/XX/XXXX ) and over the phonean automated system took information and was going to send me a report which I still haven't received. Couple days later I contact LexisNexis again and talked with a lady who stated I had this on my report but with no injury and that it was an accident with a travel trailer that belonged to my ex wife in which she ran it into her house backing it in. I gave the lady from LexisNexis all information AGAIN and she was going to file a claim to remove. On XX/XX/XXXX I received a letter stating they can't find a file matching mine. So I tried to get XXXX XXXX again thinking it had been removed, but still shows against me. At this point I don't know how much extra I have paid since XX/XX/XXXX due to this and now they're playing games stating they have no information
Complaint sub-issue: Their investigation did not fix an error on your report

I have been attempting to remove negative accounts for 1 year from my credit report. I am beyond disgusted at this point. I sent information to the credit bureaus about an unjust filing of bankruptcy including accounts. They responded with " Verified '' and to my understanding they listed XXXX XXXX as the date provider. I reached out to XXXX XXXX to investigate and they responded that they could not locate any information in reference to a bankruptcy from their company. I reached back out to XXXX, XXXX and Equifax with the information that XXXX XXXX mailed me. The subsequently deleted their information because there was not evidence. XXXX, XXXX and Equifax are still reporting the derogatory information on my credit report. It literrally has been 12 months since I began attempting have this inaccurate information removed. PLEASE HELP! The problematic accounts are as follows : Bankruptcy listed on all XXXX credit reports. The accounts listed under the bankruptcy as well : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Complaint sub-issue: Didn't receive services that were advertised

EVER SINCE EQUIFAX DATA BREACH I AM UNABLE TO USE EQUIFAX MONITORING THAT I PAID FOR I HAVE BEEN A MEMEBER FROR YEARS..ALSO, ARE A MEMBER FOR THE XXXX ID XXXX , WHERE I CAN NOT FILE DISPUTE ONLINE. LASTLY XXXX FAILS TO HAND SHAKE WITH ALL BUREAUS SEE ATTACHED.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Account status incorrect

After viewing my most recent credit report I notice that there is late payments, which I'd like to get removed as soon as possible. According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report. In addition, the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Complaint sub-issue: Old information reappears or never goes away

I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through XXXX and Equifax to have this removed from my credit reports and both XXXX and Equifax refused to remove this past bankruptcy. The most recent dispute that was declined with XXXX was XX/XX/XXXX and the most recent for Equifax was on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report XXXX XXXX, XXXX.XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This issue is been going for quiet some time. 
Late in XXXX I received a letter from Nelson and Kennard stating that they represent XXXX XXXX and that I owed about {$10000.00}. I had no idea who XXXX was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact XXXX several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to Nelson and Kennard. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.
Complaint sub-issue: Information belongs to someone else

Since XXXX XXXX I have communicated with all 3 credit bureaus that these accounts are fraudulent. I have filed an FTC report and still remain unheard with no success. I have taken several necessary steps and even reached out to Furnishers themselves. I have disputed again on XX/XX/2021. Finally An FTC report was filed on XXXX XXXX. I have been told an investigation has been verified. However, when I continue to contact them with proof and request that these accounts be removed I am told that this will be looked into. This has put a halt on acquiring new credit and it is putting a major hinderance on my ability to support my family.
Complaint sub-issue: Old information reappears or never goes away

I opened my mortgage with XXXX on XX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX on XX/XX/XXXX. The closed account for XXXX is still reporting negative on Equifax and XXXX. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back inXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.
Complaint sub-issue: Problem with statement of dispute

My concern is not listed, but here it is. 
My XXXX and XXXX scores are only XXXX or less values in difference. 
XXXX and XXXX respectively. Equifax, however, consistently has my score at almost XXXX points less than both. I have been told that because I live in a predominantly XXXX area, this is a racially motivated discriminatory practice based on zip code. Meaning the score is deliberately manipulated this way in predominantly XXXX zip codes to prevent us from obtaining fair and low interest rates and even to deny credit altogether. I would like an investigation into this. My score with Equifax should not be cosistently XXXX points lower than the other XXXX reporting agencies and all XXXX have the same credit profile. This has happened with others in my neighborhood as well as my husband.
Complaint sub-issue: Other problem

On XX/XX/2021 we inadvertently instructed our bank to pay Citi Bank {$1800.00}. The money was intended for a different card. Unfortunately we had closed the Citi Bank credit card a couple years back and after repeated attempts Citi Bank can not locate or return our money. Our bank XXXX XXXX  has told us that Citi Bank has cashed our check. 

Please help us in returning our funds
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

different people from this CKS FINANCIAL make multiple threatning calls to my home and cell numbers using spoofing software showing local numbers on caller id every day saying the sheriff has some arrest papers or something at work .of course we all know that is not so .they have showed insufficient validation seeking unjustifiable amounts using the telephone to annoy and harass me .since XX/XX/XXXX i have blocked over 79 of there numbers showing local spoofing technology area codes that is amazing to see that level of harassment .sent a cease communication to there address on file but was ignored.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018, there was a hard inquiry made on my Equifax Credit Report from an unknown company, XXXX/XXXX. This company had no authorization to access my credit report and by doing so negatively effected my credit score. I contacted Equifax and spoke to customer service rep XXXX. XXXX informed me that I could not dispute the fraudulent hard inquiry because it was a " factual record. '' I was also informed by XXXX that I must contact the company, but Equifax could not give me a contact number. XXXX/XXXX fraudulantly accessed my credit report and I am unable to contact them by phone, the reason for this complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau Equifax, XXXX, XXXX all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}
Complaint sub-issue: Didn't receive notice of right to dispute

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of fraud and have been a victim for many years, I have attempted to updated all in accurate information that is reporting on my credit profile due to fraudulent information reporting. I have disputed in the pass but per FCRA accurate information needs to be reported information that is inaccurate needs to be removed especially fraudulent information. I fell victim and it is taking me many years of being able to clear up this mess I fell victim to. Please remove the following fraudulent inquires that are reporting on my credit profile. 

XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

This is my second complaint with this company and me not being able to access my credit report with Equifax, Every time i get on site and submit my information it states its can not be found I have to attempt at least ten or more times keying same information before i could possibly get in. This is a headache because everytime i call i provide same information im keying over the web and they say they dont know whats the problem. This is too time consuming and is not fair to me
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurateXXXX The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. DSNB MACYS HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCOrRECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT
Complaint sub-issue: Didn't receive terms that were advertised

On XXXX/XXXX/XXXX I opened Discover Savings account number XXXX. At the time there was an offer for a {$200.00} bonus if the account was funded with {$20000.00}. The terms of the offer read : " Apply for your first Discover Online Savings Account by XXXX/XXXX/XXXX. Enter offer code XXXX when applying. Deposit a total of at least {$15000.00} into your account by XXXX/XXXX/XXXX to earn a {$150.00} Bonus or deposit a total of at least {$20000.00} into your account by XXXX/XXXX/XXXX to earn a {$200.00} Bonus. '' I was able to successfully open the account online using the offer code XXXX on XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX I still have not received the {$200.00} bonus despite meeting the requirements of the promotion - {$20000.00} was deposited into the account on XXXX/XXXX/XXXX. I have called Discover several times asking about the status of the bonus and have been given multiple excuses as to why it has not been credited. These excuses include : XXXX The bonus will post I just need to wait until the end of XXXX. 
* When I called after the end of XXXX I was told the bonus " might '' post by the end of XXXX. 
* I was n't specifically targeted by the marketing department so I wo n't be getting the bonus -the offer did not mention anything about being targeted and it was available on Discover 's own website. 
* I did n't use the offer code on the online application - I did enter the code as it was the only reason I opened the account in the first place. 

I expect Discover to credit the {$200.00} bonus as I have met all of the requirements of their promotion. 

Thank you, XXXX XXXX
Complaint sub-issue: Account information incorrect

I have never missed a payment on the following account XXXX XXXX.  Please investigate to ensure the correct information is reported.