Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting my free annual report

I have has trouble in the past as well with Equifax. 
There is another person with the same name, approx 10 years younger, lives a couple streets over and obviously different as number and birthdate. 
I was recently denied credit and shown a much lower credit score than expected. The reasoning for denial seemed to indicate things that do not belong to me. 
I once again can not access Equifax due to them XXXX our information. 
Unfortunately when resolving a similar issue with them only 2 years ago they stated they only verified name and a street and linked us together. No date of birth or ss number.
Complaint sub-issue: Was not notified of investigation status or results

Hello I sent a letter XX/XX/2021 to Equifax regarding this account from XXXX XXXX XXXX. This account is being reporting inaccurately on all 3 bureaus so I requested an investigation from them. Equifax never opened up a dispute nor did their proper investigation. What they did do on XX/XX/2021 was change my payment history on this unverifiable account which dropped my score by 89 points. I have included the original letter along with the missed payments that were added to a charge off account. According to the FCRA this account must be DELETED if it can not be verified by the bureau. Thank you XXXX XXXX THIS IS MY SECOND COMPLAINT VERIFY THIS ACCOUNT OR DELETE IT IMMEDIATELY
Complaint sub-issue: Their investigation did not fix an error on your report

I obtained a settlement with payment of {$2300.00} and Discover takes 30-45 days to report it to credit bureaus. We are trying to buy a home and we need this reported efficiently. The company is quick to send negative information to credit bureaus but slow in reporting settlement.
Complaint sub-issue: Attempted to collect wrong amount

Dear Sir or Madam, I'm XXXX XXXX from XXXX, NC. I've been disputing this collection agency Hunter Warfield , Inc.XXXX XXXX XXXX XXXX. XXXX, FL XXXX, Phone : XXXX, Email : XXXX. I'm XXXX XXXX from XXXX, NC and I'm disputing a company called Huntington Warfield. I have contacted this company on several occasions since XXXX to resolve a debt that I disputed from a company name XXXX XXXX XXXX, that I had rented a home from over 2 years ago that claimed that I owed monies for basic wear and tear of the rental home. Therefore, they had sold the account to Hunter Warfield who has been harassing me for a couple of years to collect approximately {$2000.00} dollars. Therefore, this year Ive tried to contact to resolve the collection debt and to negotiate a pay-off. On XX/XX/XXXX, I called to negotiate a pay-off and the lady on the line stated she will allow me to settle and pay {$1400.00} to pay the {$2000.00} balance off in full. Therefore, I gave her my credit card information and paid {$1400.00} and she stated that I will receive a receipt that the debt was paid in full for the complete balance within 24-48 hours to my email. The complaint is the following day the lady calls back and states that I owe {$1500.00} more dollars before the debt will be paid off. I then reiterate what she had told me on XX/XX/XXXX, that my account balance was paid in full. She stated that she didnt tell me that. I was very upset and I disconnected with the lady at Huntington Warfield. I decided to call back on XX/XX/XXXX, and requested to speak with a manager and received a gentleman representative that stated I owe over {$2000.00} now and stated that the lady representative did not suppose to have negotiated with me on the balance. My second complaint is that they are trying to scam and price gauge me because my debt was only {$2000.00} and I paid {$1400.00} on XX/XX/XXXX. Therefore, how do I still owe {$2000.00}? Please help this collection agency has made my life so miserable and they are allowing me from being able to rent another place for me and my children to live and at this time we are currently XXXX. Please HELP! 

Thanks, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Complaint sub-issue: Received bad information about your loan

hello how are you I have student loans and it was very expensive to pay back I try to get loan forgiveness but they did not take the payment to close the loan please contact me because I have trouble with the bank and I have a deceased relative I donot know who is watching with the story it is not a good experience the people get in the house and I have a relative in a XXXX XXXX  they would not release the patient
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/XXXX I purchased an XXXX XXXX ticket through XXXX listing. As part of the XXXX purchase, a Citibank credit card application was offered with a promise of a {$250.00} credit to be realized on the new card. In order to receive the fare I wanted, I had to make the purchase immediately, which I did on another credit card - as I, clearly, did not hav the Citibank card in hand at the time. 
My approval with card number arrived today - XX/XX/XXXX. 

There is no credit of any kind indicated. When I called XXXX, the representative said, the offer was for FUTURE XXXX XXXX purchases that I would make in the next 12 months. I have no intention of buying another XXXX ticket - or any other airline ticket this year. I asked to speak to the representative 's supervisor and received the same answer. They had no resolution process to refer me to. 

I believe this is misleading and false advertising. I never would have applied for this card had it not been for the carrot dangled in front of my face for the flight I was ticketing. 

Now, I stand to have a ding on my credit rating for no purpose at all. And, when I cancel the card - there goes another ding. 

Please advise as to my options here. 

Thank you.
Complaint sub-issue: Account information incorrect

The reason for this letter it to dispute an incorrect information that was not verified accurately on my credit file. Public record list a Chapter XXXX Bankruptcy. This information is not correct should be removed entirely from my credit report. I received a letter from US Bankruptcy Court ( XXXX, FL ). This courthouse does not report civil matters. 
I have been a victim of ID Theft in the past. Please reference a copy of the police report filed with XXXX XXXX XXXX, Florida. 
ATTACHED is CORRESPONDENCE FROM XXXX XXXX CONFIRMING THE DELETION OF THE BANKRUPTCY.
Complaint sub-issue: Debt resulted from identity theft

As of 2009 after seeking to obtain my credit reports to apply for a large purchase in the near future discovered several credit cards and other accounts opened without my consent filed for a investigation in regard to identity theft. After 4 years of failed attempts with XXXX credit bureaus I obtained assistance from the organization clarifi, along with filing a identity theft victims complaint & affidavit with the FTC. After further investigation & verification of the documentation supporting my claim the XXXX credit bureaus finally corrected the issue by deleting all the accounts opened without my consent. However I was XXXX for nearly 5 years unable to obtain employment and ineligible to buy a house or car and to this day still have several problems due to the credit bureaus negligence. They continue to place inaccurate incorrect and negative data on my credit profile. After sending several requests and getting no response or the inappropriate response am now seeking legal action to file suit for the violations in accordance with the FCRA ruling & guidelines. I am currently XXXX and XXXX by these practice 's which prevent me from gainful employment, purchasing real estate and buying a vehicle.
Complaint sub-issue: Old information reappears or never goes away

Accounts 10 years old still on credit report
Complaint sub-issue: Can't close your account

Hello, I have a complaint to the bank of citi bank, since 3 years ago I Applied for a secured credit card which made me make a deposit of XXXX dollars, which to date they have not wanted to return, they have sent me 2 letters telling me that they can not return it to me, and when i deposit it they tell me that within a year they will return it to me and it has not been so
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX has not provided any debt validation, a copy of a contract or anything to that affect to properly report onto the credit bureaus. 

I have asked them repeatedly for some kind of debt validation, a copy of a contact and they are unable to provide that information.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Regarding my recent Visa dispute amount of {$8400.00} for the lack of results of XXXX XXXX : USBank closed my dispute because it wasn't in the the 60 day timeframe from the XX/XX/20 transaction. The doctor kept telling me to " Wait and see another month, it may look different ... '' each time I contacted him. So he pushed me to wait 6 months, meanwhile, he probably knew the time limit to file a chargeback is apparently 60 days with Visa. 

By the time the doctor finally said, " No, there's nothing more I can do for you, '' it was 6 months post transaction. I had to get the XXXX redone and will likely need one more this year on my XXXX XXXX to look normal again. 

I feel duped not only by XXXX XXXX, but also by the these credit card companies that claim to protect you from poor quality service. How can they protect issues like these when the time limit won't cover " healing time '' requirements by surgeons? 

Thanks XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My father had a XXXX and we wanted to send him to the XXXX. of XXXX  XXXX XXXX ( known as " XXXX '' ) to address XXXX XXXX caused by the XXXX. Unfortunately, Dad did not feel well enough to attend the program. We had put a down payment for the program on Discover Card. When Dad decided he could not attend, we advised XXXX that he would be unable to attend. XXXX informed us that they had not been paid the down payment because Dad had reported it as " fraud '' on his card. XXXX continues to inform us that they have never received the down payment for his attendance. However, Discover Card insists that the down payment was made through Discover card to XXXX. XXXX advises us that they have never been paid and Discover Card advises us that they paid XXXX. Discover Card is holding my father accountable but as far as we can tell, XXXX never received any funds from Discover Card. Then Discover Card " investigates '' this matter and finds against my father.
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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

There is information on my report that is incorrect such as accounts late payments names and address i have sent out disputes via mail and i have Also sent info via email I hve also sent in sesc and desice letter
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 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I reviewed my credit report which had an enormous amounts of errors these errors as noted are in need of validation under FCRA 611 ( a ).

Accounts Validation Request XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$5700.00}XX/XX/XXXX XXXX XXXX XXXX XXXX {$4000.00} DISPUTE SHOULD BE XXXX  BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} DISPUTE SHOULD BE XXXX  BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} DISPUTE SHOULD BE XX/XX/XXXX BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$2000.00} DISPUTE SHOULD BE XX/XX/XXXXBALANCEXX/XX/XXXXXXXX XXXX XXXX XXXX   {$1900.00} DISPUTE SHOULD BE XXXX BALANCEXX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} DISPUTE SHOULD BE XXXX BALANCE XX/XX/XXXX XXXX XXXX XXXX {$1400.00} DISPUTE SHOULD BE XXXX BALANCE XXXX XXXX {$810.00} Validation XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files sinceXX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXXthey were deleted from my files stating they could not verify the status of my loan from XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX  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 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXXACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called Equifax to have multiple two year old hard inquiries removed from my credit. 

Equifax had the wrong DOB listed for me. I was advised to send in a copy of my Birth Certificate and DL to have that corrected. 

Secondly, Equifax advised me- any creditor has the right to run a hard inquiry on credit at any time if I do not freeze my creditor. Therefore, in XX/XX/2016 I had numerous hard inquiries on my crdit that I did NOT authorize. There are authorized inquiries in XXXX and XXXX of 2016- that should be removed. Equifax failed to remove them and after our conversation, she told me there is nothing she can do.
Complaint sub-issue: Funds not handled or disbursed as instructed

This month the HOA fees were not deducted causing me to have to pay fees and charges. Comerica Bank says that the HOA never took the ACH this month. The HOA says they attempted and funds were not there. I don't know who to believe, I have never been late with ANY of my Fees or Mortgage The HOA is XXXX XXXX Attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Michigan I was sent a delinquency notice
Complaint sub-issue: Information belongs to someone else

says its been removed months ago, yet still on my credit, have police report as well Account # : XXXX Opened : XX/XX/2019 Balance : {$4800.00}
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. 

I have been a victim of identity theft fraud. I have no idea of any of these negative accounts. 

I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Complaint sub-issue: Account status incorrect

I had the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XXXX2020 and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This has all started years ago when I disputed a non authorized hard inquiry with XXXX, I already Had a XXXX card so I disputed that hard inquiry resulting of them deleting 12 years of account payments and history never putting it back on # 2 Since XX/XX/XXXX all 3 credit bureaus had reported a on authorized inquiry from XXXX XXXX  another account that I have under my name and have had for over 3 years so my hard inquiry had already dropped off I immediately disputed this new one and there goes another history of payments for 3 years And deletion of an account my score was XXXX and after they deleted these 2 Accounts it dropped down to the low XXXX hundreds I have absolutely no credit history after I worked extremely hard to gain it back after my identity with stone number 3 XXXX XXXX card As of today XX/XX/XXXX I called them to fix the credit history reporting because they were only reporting 10 months and I've had it for 2 years there goes another account deletion I have had to submit several disputes to all 3 credit beaurous for misleading my credit files. Whenever doing so they make them worse. Equifax has now deleted 3 major credit cards due to me disputing 2 non authorized Inquiries, And a payment history repair because they were only reporting 10 months of payments when I have had the card 2 years in which resulted in them just deleting the entire account once again.