Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX  XXXX XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX  XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Equifax Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Complaint sub-issue: Other problem getting your report or credit score

Recently, in XXXX of this year, my wife and I paid off over {$10000.00} in credit card balances, in doing so my credit score went for XXXX to XXXX, with no other items being reported on my credit score. I contacted Equifax directly, and after spending 30 minutes on the phone, and suppling every possible piece of personal information to them to verify my identity, I was informed that their verification process failed and I was REQUIRED to submit my identification in writing???? All this before they could tell me why my credit score tanked after paying off 4 credit cards? Equifax is holding my credit hostage for no reason and have made it impossible for me to make corrections or have questions answered in a fair and timely fashion.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act The Creditor : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Inadequate help over the phone

I am a member of XXXX. I noticed that my Equifax credit score dropped XXXX points in the last week. This did n't make sense to me since I just paid substantially on XXXX credit cards lowering my credit utilization from XXXX % to XXXX %. When I contacted Equifax to tell them they miscalculated my score they refused to give me any information or look over the score for an error.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$24000.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Reinserted previously deleted info

On XXXX XXXX, 2015, I initiated a dispute with Equifax asking that XXXX XXXX XXXX acct # XXXX validate the debt in the amount of {$710.00} and that the debt was being reported twice on my report. I received notification that the file was updated to show as " paid in full '' on report # XXXX on XXXX XXXX, 2015. I also advised Equifax that the debt was being reported twice by the same company as XXXX XXXX XXXX is now XXXX XXXX XXXX ( according to their website XXXX ) and there was an entry for both names with all the same information on my Equifax report. As of today, XXXX XXXX, 2015, XXXX XXXX XXXX was deleted but now there are XXXX entries for XXXX XXXX XXXX on my Equifax report. It is unlawful the Equifax to put this information back on my report as it was previously delete. It is also unlawful for them to all the organization to report the same debt twice. More importantly, it is unlawful for XXXX XXXX XXXX ( formerly XXXX ) to misrepresent information to Equifax under the Fair Credit Reporting act. I am asking that this be investigated as I have tried to obtain resolve from Equifax to no avail.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I opened a dispute with Citi Credit Card and they closed it and still charged me {$610.00}. I had to escalate the dispute and still have two open disputes with this credit card.
Complaint sub-issue: Account status incorrect

My car was totaled XX/XX/XXXX, the finance company who was XXXX was paid by my car insurance company and the gap insurance company to cover the total amount of the vehicle. My husband and I tried to purchase a new car and found out that XXXX put a charge off on our credit. When I called the agent said it was a clerical mistake, someone put it was charged off/repossessed instead of a total loss. They said they needed a supervisor to correct it, the supervisor refused and said we owed over {$3000.00} in late fees and other fees that accumulated after the total loss. I tried to explain to them we didnt have the car it was totaled and there should be no charges after the total loss date, they still refused. We even agreed to pay them if they would delete it from our credit and give me written proof. I had an agent agree to do that only to be told that they would not delete it off our credit because they cant, which I know they can and they would not give me proof. I told them I would speak with a lawyer at this point. I spoke with a lawyer who said not to pay it and no longer have contact with XXXX, that they would speak with them on my behalf and my husbands behalf. I called back to try and resolve this issue again they still would not work with us. I told them we would not pay it and I would fight it with the credit bureaus, m. They said that they would wait until the 28 day mark on the 30 days they have to respond and would fight it back. They said they would keep doing it because they have better more expensive lawyers and would sue me for everything to get the money and then they would sell it to someone else so it would never end and ruin my husband and Is credit. They also said that if I wait until the 7 years for it fall off they would just sell the debt and keep reselling it. I dont know what to do at this point but its ruined our credit and continuing to ruin it so we can not get another car or even our fist house. It is supposed to fall off in XXXX but Ive been fighting with them and the credit bureaus to try and get it off sooner and hopefully reverse the damage, Ive been working with my lawyer as well but we are having a tough time. The credit bureaus keeping saying it a valid debt even though they information they have reported is incorrect, we never had the car repossessed and I even have proof from my insurance company, the gap insurance company and a police report to prove the information is incorrect but they still wont remove it. XXXX is the worst company we have ever had to deal with and refuses to work with us at all. Im just afraid that when its supposed to fall off that they will follow through with the treat and sell the debt and it will never end and we will never be able to get another car or our first house
Complaint sub-issue: Billing dispute for services

This is a formal request to get my credit information updated due to billing inaccuracies. I have personally spoken to the data furnisher which is XXXX XXXX XXXX  XXXX and they have confirmed they have reported the correct balance statement that closed on XX/XX/2021. The statement balance closed as {$91.00} on account ending in # XXXX. Which is 100 % accurate as reported by the Data Furnisher BUT the issue is Equifax has reported this on my credit as having a balance of {$910.00}. This is inaccurate and XXXX XXXX XXXX  XXXX has confirmed specifically XXXX  XXXX Agent ID # XXXX  XXXX that they submitted over the statement balance for account ending in # XXXX as {$91.00}. They provided verbal and statement showing the correct balance. This appears to be an inaccuracy on the side of Equifax. This has now placed me under financial stress due to the massive credit score drop and it's wildly unfair this is happening. I kindly ask for this to be corrected as reflecting the correct balance of {$91.00} as the supporting documentation/statement that closed on XX/XX/2021 clearly reflects. I have spoken to Reporting Specialist at Equifax ID # XXXX and have verbally informed Equifax of the error to get this fixed as soon as possible. It's still not fixed.
Complaint sub-issue: Information belongs to someone else

XXXX   has consistently been a problem.  XXXX  Equifax  XXXX  &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
Complaint sub-issue: Debt was result of identity theft

I recently checked my credit report after not checking it for years and i noticed a collection for a phone bill that I know I didnt have. I contacted  XXXX  and I was unable to get any information from them. The collection is as follows ;  XXXX  ERC  Original Creditor-   XXXX  Date Opened-  XXXX   XXXX ,  2014 Bala nce- {$170.00}
Complaint sub-issue: Was not notified of investigation status or results

Due to gross mishandling of sensitive information and a clear disregard for data security, Equifax was the target of a hack that resulted in the exfiltration of the credit data and profiles of 143 million Americans, myself included.
Equifax failed to protect my data.
Equifax waited six weeks and still failed to notify me of my involvement in the data breach.
Myself and all others affected did not have a choice whether or not our data was held by Equifax. They had a duty to protect that information, and they failed spectacularly.
Complaint sub-issue: Information belongs to someone else

Include personal statement : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern, While checking my most recent XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 


XXXX DID REMOVE ALL UNAUTHORIZED INQUIRES AND XXXX NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XX/XX/2016 ; I was living in a XXXX XXXX. I was XXXX XXXX XXXX   with my daughter. And, i also had XXXX XXXX year old boys. During this time ; my purse was stolen ; along with all of my personal information for my kids and I. I believed that the person responsible name is XXXX XXXX ; but that is all i know of the woman,. i have called XXXX and XXXX, and they have removed the fraudulent inquires without a problem. But, XXXX refuses. I will attach a screenshot of the companies that were contacted ; and resulted in hard inquires. I have contacted them each myself, and they all stated that they can not locate me in their system.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Im experiencing 2 fraudulent charges on my account. Discover dont want to do nothing. I want that discover lookup all the calls to confirm that i called under the 120 days period to claim a transaction from XXXX XXXX  of XXXX $ and discover dont do nothing. I have another fraudulent charge in wich discover dont investigate that is from XXXX XXXX for XXXX XXXX I was told that Ill be receiving a call from XXXX XXXX. And she never contacted me. I called she and no one answer. 

Discover is very irresponsable.
Complaint sub-issue: Debt is not yours

I have made several attempts to contact this company regarding the debt they are improperly reporting to my credit report. This is my second complaint, in the previous complaint I requested documents showing proof of the debt including documents that show my original signature and any information showing the company properly vetted and verified the identity of the person acquiring the debt. Please upload those supporting documents in this complaint or remove this egregious account from my credit report. This will be my last attempt to clear this matter before filing a lawsuit against your company.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted, an affidavit from the FTC and a valid Police Report for identity theft on an XXXX XXXX account that is NOT mine the account number showing is XXXX. They are refusing to follow the law as XXXX and XXXX have already done. I have called in and I have faxed in verifiable documentation and this account is still on my credit report! Please help me I 'm trying to get a house and this is holding me back! I need your help ...
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX Late Date XX/XX/20
Complaint sub-issue: Reporting company used your report improperly

15 u.s.c 1681 section 602 A. States I have 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 15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Fee problem

I have a checking account with Citibank. In XX/XX/XXXX of this, Citibank changed their fee structure for their Citigold accounts introducing a {$30.00} per month service fee. As a result, I requested Citibank change my account type ( also in XX/XX/XXXX ) to their Citi Priority service in order to avoid such fees. I received confirmations from the bank that this changes had been made. 

Since XX/XX/XXXX, Citibank has continued to charge me the {$30.00} service fee on my account. I have contacted them multiple times to resolve this, but they continue to charge this fee in error and I have to contact them every time in order to have these fees refunded. My most recent request sent on XX/XX/XXXX received an irrelevant reply and the fees remain charged to my account. 

I consider this the most simple of requests, but I am frustrated by Citibanks inability to ensure they are not charging me unduly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX 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 terms

Equifax is incorrectly reporting my debt-to-credit ratio as shown in the uploaded document, Equifax shows my mortgage loan as part of the credit utilization at 94 % - original mortgage {$190000.00} with a balance of {$170000.00}, The company is also treating the installment auto loan the same with a utilization at 81 % from the original loan versus the balance. The other agencies are correctly reporting and have always reported the debt usage of my revolving credit, which is 5 %. The combined reporting is an average utilization of 71 %! Recently, Equifax reported " high balances '' versus available credit to creditors causing me to be declined credit with an XXXX credit score. For the dispute, Equifax simply re-confirmed the " high balances '' with the mortgage holder and auto loan lender. Thank you for your assistance,
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have discussed with thecompany before about conflicting information on my credit report when it comes to a XXXX record. They placed a public record dated XX/XX/2018 on my credit report. The company had a XXXX record showing on my report dated XX/XX/2018. The XXXX record is not valid and I could not verify what equifax verified. The court, which is the provider of information think that equifax gets there information from a third party and agreed with me that, when it comes to verifiing information it needs to come from the courts. My report is not true due to the provider of information is not listed on my report. I have a old letter that states that they do not provide information to credit bureaus unless they request the proper way. When I talked to equifax they told me they get there information from a third party and they get their information from a public database which is not how a dispute should be resolved. FCRA says all information reported on a consumer 's report should installed based on the original provider of information being able to attach that information to the consumer using basic identifying information which maybe physical documents such as a court orders from the court with a stamp of a date to show the date it was verified by the court and if it was a company who is claiming debt is owed there should be no problem for equifax to obtain contracts with signatures on it. My problem is the information listed on my report is not the place I can contact for my concerns when equifax and the provider have conflicting information. Also they are not getting information from the provider of information and they are saying they are by putting the XXXX information on my report and they clearly are not the provider. According to fcra laws my report is protected by requiring equifax to get the information from the courts since they put the information in a public database and they are not doing so. The data can have several errors and I want my information correct.
Complaint sub-issue: Didn't receive enough information to verify debt

AvanteUSA placed a collection on my credit report stating that I owe them money for a past due debt purchased by them from a different creditor. I contacted business via mail and requested they validate debt pursuant to 15 USC 1692g. AvanteUSA in response provided insufficient validation and did send requested documents that I am entitled to review. AvanteUSA also violated federal and state law from the Texas Finance Code and the Fair Debt Collections Practice Act, in the notice they sent specifically as it pertains to deceptive and misleading representation.