Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

On XX/XX/2021 I tried to put an advertisement in a newspaper. Due several changes in the newspaper 's staff I had in contact with many people in there trying to close the deal in vain when finally on XX/XX/2021 I could made business with one of them for {$150.00}. The advertisement was paid and published according the contract terms but the newspaper generated two different invoices by two separate persons in two different dates, so now after almost XXXX years the case remains in a collection agency for an invoice of {$400.00} and is almost impossible to solve the problem with the newspaper due lack understanding. 
I have been receiving letters and phone calls from the collector but only tells me I have to try to solve the problem with the newspaper or pay the debt. 
I have the whole emails chain history because the newspaper and I always tried to communicate each other through that way.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX   XXXX, XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXPlease remove the following telephone numbers from my credit report : (XXXX) XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(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: Account status incorrect

XX/XX/XXXX-XX/XX/XXXX Ally financial reported that I made late/missed payments that were made monthly. This auto loan was paid in full in XXXX and they have been sending me a Paid in Full letter over a month now. I have contacted them and they sent me a full payment ledger stating I made every payment but it was still reported to the credit bureaus
Complaint sub-issue: Was not notified of investigation status or results

I have sent several rounds of dispute letters to the bureaus however I have not received any response until now.
Complaint sub-issue: Attempted to collect wrong amount

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my wet signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : AMERIFINANCIAL SOLUTIONS ACCOUNT # XXXX {$100.00}, {$140.00}, {$100.00}, {$120.00} Best Regards, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got aXX/XX/XXXX response.
Complaint sub-issue: Debt was result of identity theft

I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
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 difference. 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Debt resulted from identity theft

City bank stated that I had a credit card with them I never had a credit account with this bank. When I received my home loan the mortgage banker even furnished documents to this bank that proved that this was not my account. Citi Bank has refused removal of this from my cedit reports creating a hardship on a XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested in writing to Equifax credit reporting agency to block/remove a creditor from my profile. Equifax has failed to complete their investigation in a timely matter.
Complaint sub-issue: Information belongs to someone else

I have fallen victim to identity theft due to the XX/XX/2017 XXXX breach. This has taken a toll on my XXXX heath and it has caused me a great deal of frustration and anxiety.
Complaint sub-issue: Problem with fees

I have never been late on my Citi XXXX XXXX card ( or any other card or bill for that matter ). I pay the balance in full every month. All of my 4 credit cards are due on the XXXX of the month. At the beginning of the month, I set up all of my bank drafts for my bills. For some reason, none of the 4 drafts went through for the XXXX payments. I did not notice the error until XX/XX/ and paid each in full immediately when I discovered the error. 
I use the Citi card for almost all charges, resulting in tens of thousands of merchant fees to Citi. 
The lesser used cards provided one-time courtesy waivers of interest and late fees. I contacted Citi and they refuse to extend me any courtesy waiver whatsoever. 
As I wrote to " XXXX '' in our chat : " Please know that my other cards with lesser usage have waived the interest and fees [ caused by this one-time mistake ]. Be sure to let your supervisors ( and anyone else know ) that this request was for a courtesy waiver of {$140.00} on an account that charges tens of thousands of dollars. Citi must think it's the only game in town. Say goodbye to all of those merchant charges and monies you make from my use on this card. I will shift the majority of charges to other, more forgiving, card issuers. '' I then offered Citi one more chance to re-consider it's position and credit my account. " XXXX '' told me nothing could be done and I could call a supervisor. Instead, I'm submitting this complaint ( and publishing it ) because we all have choices when it comes to the credit cards we use ( and which card benefits from the merchant fees those charges generate ).
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the Following accounts as I believe these accounts reporting in error. 

XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$3000.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 RISE credit did an unauthorized hard inquiry on my XXXX report. I have never applied for credit from RISE.
Complaint sub-issue: Debt was paid

I want to report multiple violations to my rights as a consumer, that Discover Financial Services is committing. The account that is the following : Account # XXXX, opened date : XX/XX/2016, limit : {$200.00}. This item must be removed from my credit reports, and I am going to explain why. 

Discover Financial Services is committing multiple violations to the California Credit Reporting Act. 
1. Discrepancies across bureaus : - Reporting different last payment activity. 
- Reporting different amount of late payments across bureaus.

- Reporting different account status.

- Reporting different highest balance across bureaus.

- Reporting different date of last payment.

2. Reporting incomplete information : - Missing closed date on a charge-off account. 
- Missing payment history. 

I am demanding a fair solution for this issue. I want a deletion letter and this item removed from my credit report. If this doesnt happen, I am willing to take this case to federal court. I have spent XXXX dollars in legal advise, and Ive been affected emotionally because of this issue. 

Please send the attached documents to Discover Financial Services. 
Thank you.
Complaint sub-issue: Information belongs to someone else

Someone has an access on my personal information. I have no knowledge of what and who this could be.
Complaint sub-issue: Information belongs to someone else

IC SYSTEMS IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit
Complaint sub-issue: Information is missing that should be on the report

The company ( XXXX Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.
Complaint sub-issue: Information is missing that should be on the report

I have paid all my Citi account on time and want this history on my report. 
It is blank and considered negative. 
When I call Citi, they say they do not know what I am talking about. 
I give them the info off the credit report. 
The credit bureaus report it as potentially negative so it is holding my score down. 
I want the updated history that shows several years of being paid on time. Or remove it.
Complaint sub-issue: Reporting company used your report improperly

Equifax data breach personal information exposed A letter of intent to file a lawsuit
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following companies have fraudulently and unauthorized inquiries placed on my credit report that. I did not authorize anyone employed by these companies to make any inquiry and view my credit my credit report. This is a direct violation of the Fair credit Reporting Act Section 1681 b ( c ) and a seriuos breach of my privacy rights. 

The XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX
Complaint sub-issue: Account information incorrect

on XX/XX/2021, i sent letters to Equifax and XXXX  disputing the inaccurate information with my Bankruptcy, tradelines, name, address and job that are damaging my credit. I requested information concerning the validity of the items, as of yet i have not received anything and it was sent off certified mail/XXXX.
Complaint sub-issue: Information belongs to someone else

I have disputed multiple times with XXXX, Equifax and XXXX regarding the inaccurate reporting of XXXX. 
These inaccurate accounts continue to be reported and they are not mine. 

XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX
Complaint sub-issue: Investigation took more than 30 days

Credit reporting agencies took longer then 30 days to investigate a matter I broughtvto their attention over 1year ago XXXX XXXX  notified me of the results either They are reporting a negative and fraudulent account that doesn't belong to me They are reporting XXXX  XXXX and this account does not belong to me
Complaint sub-issue: Personal information incorrect

Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX   Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX has done it again. and wonder why I have to furiously dispute as they claim which is ilegalc cause even after almost 6 years has passed and they are still reporting inaccurate, inconsistent, and unfair data to my credit files! Why and how have they gone this far and not been imprisoned for their actions that are absolutely illegal. Well we shall see when the Judge has all the facts. Guess what yall?! More violations from the the XXXX XXXX XXXX. 

Violation # 1 Improper and inconsistent first date of delinquency does not match! So XXXX  XXXX one is wrong or right?! Lets look a their bogus bill and see! 

Violation # 2 How can the first day of delinquency XXXX on the same day the services were provided? So they are all wrong - these XXXX  cant seem to get it right after all these disputes! its their bills that probe its all wrong!
Complaint sub-issue: Sent card you never applied for

I received a card in my name for a service named XXXX. The letter told me that my card is ready for use. I looked the company up online and was directed to a support email. The company told me if I believed this was fraudulent they would close the account and to report to law enforcement. 

I have never used this service, nor do I know what it is!!! I am disgusted that a company would allow this to happen without verification of my identity.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, Department of Education has violated my rights. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 15 U.S.C. 1681 Sec. 604 A, Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

ftc violations attached please fix the error fair debt violations fcra violation and hippa
Complaint sub-issue: Was not notified of investigation status or results

OUTRAGEOUS! How Equifax gets away with such LAX reporting to the XXXX XXXX + customers who 's private information was breached. Did they report this to a government agency and the American public was never told? A XXXX up perhaps? 

What is the point of free credit reporting? Why do these agencies yield such power over my credit?
Complaint sub-issue: Their investigation did not fix an error on your report

I have been calling AR Resources for weeks to pay a debt. On hold for hours at a time, unable to leave a voice-mail. Unable to pay online, as I can not get the acct # to pay. Sent in dispute with this info, no changes or assistance. I want this off my credit. Repeated attempts with no success
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 14 and 25 of the attached credit report. ) This account has a {$0.00} balance. This line item has not been updated and by incorrectly reporting this information is a violation of the Fair Credit Reporting Act. I have contacted the bureau to fix this, however I have been unsuccessful. This incorrect reporting is harming my credit score and this line item needs to be updated to report a {$0.00} balance.
Complaint sub-issue: Information belongs to someone else

Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX-XXXX XXXX-XXXX-XXXX-XXXX Made a " Hard Inquiry '' to Equifax that I did not authorize. 

I contacted XXXX XXXX. They do not know who did it. 

I have set up a Fraud Alert and initiated a security Freeze.
Complaint sub-issue: Information belongs to someone else

I have fraud on my account and want the inquirys off please
Complaint sub-issue: Reporting company used your report improperly

I HAVE ASKED XXXX ; XXXX TO REMOVE ME OFF THE ACCT AND CREDIT REPORTS. 

ACCT # XXXX XXXX XXXX SS # XXXX XX/XX/XXXX
Complaint sub-issue: Billing problem

I have been in contact with Ally trying to get an explanation to my pay off balance of {$16.00}, XXXX as of XX/XX/XXXX. I purchased the car XX/XX/XXXX at {$17000.00} with 18.59 %. I had paid almost {$12000.00} and they applied 99 % of my hard earned money to the finance charges and 1 % to the principal. How is this possible and legal for a bank to do this. I have never had a car loan from a bank that does this and I've had several car loans. Please note that the pandemic caused shutdown for months and I was out of work from 2 of my jobs and I still was able to make payments even if it was the full amount.
Complaint sub-issue: Information belongs to someone else

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US Dept of Ed/XXXX/XXXX. There are also inquiries on my report that .I know nothing about XXXX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AND XXXX .
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX reports I owe {$2800.00} to them on my credit reports this is my last attempt to try to get them to remove this account from my credit reports before i use my tax money to get a lawyer and sue XXXX XXXX XXXX XXXX and the crecit reporting agency 's. I did not make the charges on this account never received tge card in tbe mail these are not my charges.
Complaint sub-issue: Account information incorrect

Both XXXX and Equifax removed a past debt that was XXXX in XX/XX/XXXX. Then the debt was placed back on my report without notification stating the account was verified. The 1099 copy has been sent to both parties showing that the debt is void and the continue to leave it on my report. The debt continues to be reported as {$24000.00} owed by both agencies while the 3rd agency has removed it since early XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed inaccurate reporting from Equifax previously. A collection is reporting that I am positive is not mine. They claim to have investigated and said the information is accurate. I have a different account that has been paid in full over 45 days ago. This account has always been in good standing and just has not updated the {$0.00} balance through Equifax. I disputed the reporting balance of {$4300.00} and AGAIN was told this information was accurate. I can easily prove the balance is NOT accurate. My point is this ... ..Equifax did NOT investigate either one of these disputes. This is a violation of the FCRA. This illegal activity must be stopped. The impact their reporting has is huge and that responsibility must be not be taken lightly. No excuse for violating my rights.
Complaint sub-issue: Frequent or repeated calls

I am currently behind on XXXX car payments and have been getting at least XXXX-XXXX calls a day, not including calls to family members stating if I do not call, it will not be in my best interest. My family members are afraid for me and feel threatened.