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

Date : XX/XX/2020 Applied today to Refinance with XXXX XXXX, to replenish my emergency funds for COVID19 and to make small repairs to my home. 

During my Application over the phone with my Mortgage Company, Credco was used to obtain my credit score and information. My Loan Officer informed me that my Credit Scores were significantly lower than what was reported to me by XXXX, XXXX  and XXXX. Credco 's report was full of inaccuracies which Credco claims to obtain from the 3 credit reporting agencies directly and then blend them into one report. 

The Credit Score and Information will GREATLY effect what Interest rate I receive and cost me more money thus financially injuring me as well as causing suffering due to having to take the time to get them to correct their errors. 

I looked " Credco '' up on FTC.gov and found that " Credco '' has been Sanctioned and Penalized for these very things before. 
https : //search.usa.gov/search? query=Credco & submit.x=0 & submit.y=0 & affiliate=ftc_prod I am sure I am not the only recent " Credco '' victim
Complaint sub-issue: Reporting company used your report improperly

Equifax hack led to breach in personal security. I was listed as potentially impacted. Due to a lack of security system, my personal information is now in the hand of hackers and my credit can be ruined leading to huge personal impact.
Complaint sub-issue: Personal information incorrect

I have submitted letters after letters to the credit agencies to correct my address information and to add my contact telephone number to my credit file and they refuse to do so. I have sent them proof of address, ID, and Social Security Number and they still have failed to update this information. I have been denied credit do to their errors. Please help me to get this matter resolved once and for all. 

Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please add my telephone number : ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus ( " DATE OF PREVIOUS LETTER '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021, I wrote to The Bureaus Inc disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any XXXX XXXX XXXX. 

On XX/XX/2021, I received a letter back from The Bureaus Inc, stating that they had received my letter requesting debt validation and they provided a summary of the debt and attached credit card statements showing purchase ( what happened to privacy? ). 

On XX/XX/2021, I responded back to The Bureaus Inc, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I received a return receipt signed that The Bureaus Inc received my letter on the XX/XX/2021 

As of today, XX/XX/2021, I have not heard back from The Bureaus Inc, and they are still reporting the collection account on my Credit Report. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract and nothing has been provided. I need your help resolving this as I'm not getting anywhere with this company?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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
Complaint sub-issue: Account status incorrect

XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX all accounts listed are being incorrectly reported
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account 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.
Complaint sub-issue: Problem using a debit or ATM card

XX/XX/2019 Atm Withdrawal Without Charge 1 {$140.00} Pending XX/XX/2019 Atm Withdrawal Without Charge 1 {$100.00} Pending XX/XX/2019 Atm Withdrawal Without Charge 1 {$100.00} Pending XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Atm Fee-bal Inq At Other Network {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$310.00} these fees and transactions are not mine XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX, XX/XX/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.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXX/XX/XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX IN XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX, IL XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Didn't receive notice of right to dispute

There was a balance left on my Macy 's Credit card account in XX/XX/XXXX. I never received a bill. I received one email notification in XX/XX/XXXX in which the account was already charged off and in collections. I disputed this information multiple times with Macy 's directly but they did not help or send information. I finally disputed this information with the CFPB in XX/XX/XXXX, and finally received a letter from XXXX XXXX in the executive office. She sent me copies of all of my statements. This was my first time seeing all of them in XX/XX/XXXX. 

This debt stemmed from a {$13.00} purchase of a satin hanger in XXXX XXXX on XX/XX/XXXX. I do not live in that city. I did not purchase a {$13.00} satin hanger, that is an unnecessary purchase. I did not use this card at all in the year of XXXX in which the statement shows. I want to say I hadn't used this account in almost two years. This entire debt that is being reported stemmed from this {$13.00} of a satin hanger that I did not make. The remaining {$240.00} are just strictly fees and interest charged by Macy 's. There were no other charges on the account that entire year. I had disputed this balance before directly with Macy 's and was told that this was a balance left on the account, not that there was a satin hanger charge. 

I mailed XXXX XXXX from the executive office a reply that this was not my purchase by certified mail XX/XX/XXXX and did not receive a response. I called Macy's/Citibank Recovery Solutions to present this information that this was not my charge and I did not purchase a satin hanger. I spoke with an employee ID number : XXXX on XX/XX/XXXX. She told me this debt was past the statute of limitations and they refused to research the account or even look into my claim of fraud because they would not be collecting on the debt. She also declined to transfer me to her supervisor due to their 2-minute hold limit and ended the conversation. 

This debt is not mine. The company refuses to research the account to see where this purchase stemmed from. I never purchased a satin hanger in which is the basis of this entire debt. They keep telling me they are not collecting on the account, but are still reporting it on my credit report. 

This account needs to be deleted from all three of my credit reports. This is not my purchase.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax will not remove a duplicate entry of a credit collection company off of my report. Representatives at equifax agreed it was the same account listed with different open dates as to harasses ( me ) the consumer. Under the Fair Credit Reporting Act Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

A collection of {$90.00} showed up on my credit report on XX/XX/XXXX for an unpaid XXXX XXXX bill in XX/XX/XXXX. I quit claim deed and was no longer the owner of the property in XX/XX/XXXX. Apparently the tenant of the property did not pay their electric bill in XX/XX/XXXX and XXXX XXXX filed the collection against me and sent to collections through XXXX. XXXX XXXX XXXX. I filed a dispute with XXXX, XXXX and Equifax. Both XXXX and XXXX confirmed I was not the owner and deleted the collection from my credit report. Equifax has not deleted this collection from the credit report.
Complaint sub-issue: Information belongs to someone else

There are 16 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since XX/XX/2020 and nothing has been done I need help Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

A collection account showed up on my credit report out of nowhere. I contacted the credit agencies to dispute it because it doesn't belong to me. I have no knowledge of the account and I received no notice from anyone about the account. It just showed up on my credit report. I contacted Equifax to dispute it. Equifax sent me an email with a document showing that they added a note to my credit report that it's disputed, but the account is still on my credit report. I have no documentation concerning this account because it is not mine! I have no knowledge of the account. It is not my account.
Complaint sub-issue: Personal information incorrect

My personal information is incorrect with Equifax, XXXX, and XXXX. They all have inaccurate personal information on my credit report.
Complaint sub-issue: Charged too much interest

Citi XXXX XXXX XXXX XXXX statement included a 0 % balance transfer with minimum payment of {$220.00} and monthly purchase of {$250.00}. A payment of XXXX XXXXmade toward the {$250.00} purchase and minimum of {$220.00}. This should be deducted first and then the rest applied toward the 0 % promotion ; however, they are using all the money for 0 % promotion and then charging me interest rates for the purchase of {$250.00}. I was promised by surprised that this will not happen again, but then it did. 
XXXX statement included minimum of {$210.00}, purchase of {$250.00}, and interest charge of {$4.00}. A {$1000.00} payment was made and then next month, the same abuse was done. 
XXXX statement included minimum of {$200.00}, purchase of {$250.00}, and interest charge of {$3.00}. 
0 % promotion is until XX/XX/2023. No interest should ever be charged when the payment is much higher than minimum due, and standard purchase combined. The additional extra payment amount should then be made toward the rest of account balance that is 0 %. They are abusing the consumer and cheating!!!!
Complaint sub-issue: Information belongs to someone else

I noticed I have one inaccurate account on my credit that doesnt belong to me. Company called XXXX XXXX XXXXXXXX for {$68.00}. Look to be from a eye place which I know I have never used. If you could please remove this.
Complaint sub-issue: Information belongs to someone else

I keep getting credit file confirmations that state the information [ wrong address ] was removed but it is still showing up on my credit report. I have requested that the information be removed over five times. It still shows up on my report. I never lived at that address. My Ex-husband lived their with his girlfriend.
Complaint sub-issue: Other problem

Due to Citibank 's unwillingness and inability to address the issue of defective purchase from XX/XX/2018 I closed the credit card account. 
I was told at the closing time that I have 60 days to redeem the thank you network rewards   points in the amount of upto XXXX. 
Today I attempted to redeem the points for a hotel stay and found out that my thank you network access has been blocked making me unable to access and use my points. 
I was given an alternative to use the live operator for hotel booking however this is neither practical as there is absolutely no transparency on how the hotel booking categories are used or what is available at what time not to mention possibility of the overcharge for the hotel stay with the rate I can not see. 

I expect the Citibank to honor its obligation of giving me a 60 days to use up my points and in order to do so I expect the Citibank to restore access to my thank you point using the existing ID and password. 

Alternatively if the Citibank fails to do so I expect the refund of my points at the scale of {$100.00} XXXX points and not any other conversion rate. The rate is standard in the industry and I have redeemed the points in the past for the same amount.
Complaint sub-issue: Information belongs to someone else

The name " XXXX XXXX '' is appearing on my credit report. This is not me and never has been me. I have never went by this name and it is associated with identity theft and fraud.
Complaint sub-issue: Old information reappears or never goes away

XXXX will not remove the Information from my report after it was agreed that they would close account and remove trade-lines off my reports.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Dated XX/XX/19 I've received letter from MRS Associates in reference to an alleged debt owed to XXXX XXXX in the amount of {$4100.00}.
Complaint sub-issue: Fee problem

XXXX was to process credit cards for a 2 percent fee was never granted access to withdraw funds from account. no other fees were to be charged closed buisness on XXXX account was only used for deposits of social security. deposit records show this.branch bank did not address change to mailing address so was not aware of unauthorised withdraws till XXXX. so monies from social security were taken i nave received no court orders to allow funds to be taken from account
Complaint sub-issue: Their investigation did not fix an error on your report

Information and documents were provided to XXXX in efforts to remove negative information being reported by XXXX, however XXXX has not removed the negative information.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Despite filing a previous CFPB complaint XXXX XXXX XXXX continues to 1. Call me after I revoked consent to do so. 2.  Called me after I told USCB I am represented by an attorney. 3. After I told USCB that if they did call that I did not want to be recorded, but did it anyway. 4. I also told them to not use pre-recorded messages when calling yet they call and leave voicemails with one on my cell phone. I want this harassment and abuse to stop right away and I want USCB to contact my attorney listed below ASAP before the end of the day Monday. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

i do not know dates except it showed up on my credit report and i have tried to communicate with the credit reporting agencies and the collection company that it was not mine with out success
Complaint sub-issue: Account information incorrect

There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. Equifax has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from Equifax that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that Equifax had put it back on I immediately contacted Equifax. I was not able to get anyone on the phone and disputed the error via the internet.
Complaint sub-issue: Account information incorrect

I have requested on three separate occasions that XXXX XXXX XXXX validate the debt they seek to collect. I have requested validation because I believe they are trying to collect an invalid amount and are not reporting my payment history properly. XXXX has failed to respond to my requests to validate the alleged debt owed. I have received numerous communications that request payment of varying amounts. Even after logging complaints with the Consumer Financial Protection Bureau, XXXX has failed to validate the alleged debt. <P/>Most recently I received a letter demanding an amount of 3 times the amount being reported on my credit report. While I do not believe this amount is accurate either, I am trying to show the inconsistencies leading to my demand of validation in order for XXXX to continue reporting this tradeline on my credit report. Pursuant of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act you have an obligation to ensure data being furnished has been verified AND VALIDATED. This complaint is to notify Equifax that XXXX has failed to provide proper validation of the alleged debt and therefore does not have the legal grounds to continue any debt collection efforts including credit reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they were not able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX XXXXccount XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, XXXX ( XXXX yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info