Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/2019 I called my Sears MC /Citi bank to make my XXXX payment. I discovered that this company lowered my credit limit. The agent I spoke with about this change to my account said that Citi bank had nothing to do with this action on my account, that It was done by XXXX. I called XXXX and they denied such action and referred me to Consumer Finance.gov. and XXXX. 

My issue is that on XX/XX/2019 I made a payment to Sears MC in the amount of {$3500.00}. After they took my money, they lowered my credit limit to XXXX. This action put my credit as high risk, because at the time that they lowered my credit limit, I had a balance of {$1200.00} which in turn maximized my usage and lowered my credit score. 
This is unfair business practice and I would like my credit limit increased or my {$3500.00} returned.
Complaint sub-issue: Was not notified of investigation status or results

I dont know why XXXX is on my report as a negative item. I have XXXX  service now. Its stating that i open this account back in XX/XX/XXXX. That the account went into collections for {$570.00} in XX/XX/XXXX. This is false i've tried fixing this and they say the have no record of it and they only see my account that is active now which is current.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet.I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTC and the police.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have submitted a dispute to Citibank about a charge of XXXX $ charged to my credit card on XX/XX/XXXX, but Citibank refused to investigate my dispute, they also refuse to credit my account for this charge. they also refuse to discuss this dispute. 
they have raically abused me over the phone, they called me " XXXX XXXX  XXXX '' on XX/XX/XXXX around XXXX pm over the phone. 

The actions of citibank violate federal fair credit act, and I ask that Consumer Financial Protection Bureau take action against citibank to santion them for racism and violation of federal Fair Credit Act.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
XXXX5 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX XXXX Balance {$4300.00} Original Creditor Name XXXX XXXX XXXX XXXX Balance {$3900.00} Original Creditor Name XXXX XXXX These accounts were both fraudulently opened in my name. I have filed a police report, I have filed multiple disputes with each major credit bureau including a copy of the police report.I have also filled out and mailed a fraud packet from XXXX  and returned it the company. XXXX, and Equifax have both failed to remove this information. I have requested proof of their investigation, which they have failed to provide.
Complaint sub-issue: Debt was paid

I sent XXXX XXXX at XXXX XXXX Hospital in XXXX, NC copies of my daughter 's Medicaid card for her XXXX XX/XX/XXXX. All the other providers ( aka, the surgeon 's bill ) was covered by Medicaid. Why XXXX XXXX purposely keeps losing my daughter 's Medicaid information is beyond me.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XXXX of XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}.
Complaint sub-issue: Didn't receive notice of right to dispute

So I working at a XXXX XXXX in XXXX and I had two gentleman come in and were talking about a promotion that XXXX XXXX was having. This Was about two years ago back in ( 2018 ) .So I was unsure about the promotion and the gentleman reassured me that for any reasons that I could sent the phones back with no charge. They also told me that they would not charge me if I turned my phone on and used it .Just to see what we thought.So we final got the phone 's in after being delivered to the wrong place and we turned them on and use very little data. So I decided to just send back the phones and I called XXXX  and they were ok with that. Then shortly after that I received a bill and I called them and they told me a different story. I was upset that they lied and did not disclose this information to me. So this bill went into collections and I did just pay it but I asked the collections agency if they could please delete this from my credit because this was hurting my credit and the opportunity to buy a home. can you please help me with this please.
Complaint sub-issue: Their investigation did not fix an error on your report

This fraudster continues to harm me by fraudulently reporting " false personal x XXXX credit card balance '' every month for last 6 months to credit bureaus. This fraudster never stops violating FCRA. Now I am going to sue this fraudster for repeated FCRA violations.
Complaint sub-issue: Account status incorrect

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX, XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX, XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX, XXXX Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Have continually disputed incorrect information about  XXXX    XXXX   XXXX   XXXX   XXXX   on my report. Company comes back stating " company verified it was mine. '' However, they never have any documentation. After requesting documentation from the debt collector and not receiving any proof, there is no record of the account. Therefor, the account is continually being shown on my report despite no proof of any original documentation or that it is mine.
Complaint sub-issue: Problem during payment process

I have a Fidelity Visa credit card, which is provided through Elan Financial Services. This complaint is directed at Elan. 

During the months of XXXX and XXXX my automatic payments did not correctly process. 

Problem # 1 : I was not notified of this in any way and my credit score was impacted due to high percentage of available credit that was unpaid ( perfect history before this ). 

Problem # 2 : the reason the payment did not process was a NFS, however my account had ~7x the required funds for the two month 's worth of payments. In talking with Elan and Fidelity in a 3-way call, the Elan representative confirmed it was a technical issue on the Elan side and that it would be fixed. I asked for but received no remediation options for the impact to my credit score. 

XXXX # XXXX : during this process automatic payments were cancelled on my account, without my notification, which has resulted in XXXX and XXXX payments being unpaid, which had again impacted my credit score.

Problem # 4 : again, neither Elan or Fidelity notified me of missed payment in any way.
Complaint sub-issue: Information belongs to someone else

Fraud Activities is going on with someone trying to open accounts I have a fraud alert on all Major Credit Bureaus How is it that they can apply for credit using my personal information with my Authorization
Complaint sub-issue: Their investigation did not fix an error on your report

Someone has used my personal information to open an account with XXXX. I have never had anything from them. My purse was stolen a few years ago with all my personal information. I explained to Equifax that this is not my account they keep saying " verified '' when it's not mine at all. I can't believe how hard it is to get your credit reports corrected after a person has ruined your life and taken your identity. I am filing this complaint because I feel like Equifax is not trying to help me at all. It is like they are just giving me a script response each and every time. This is stressful enough that this happened but now to be punished for something that I didn't even do
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX I received an alert via XXXX  that a new collection account had been added to my file. I have a stellar credit rating and no collections. I immediately contacted the credit agency and spoke to the fraud dept. where there is a police report and affidavit on file. XXXX XXXX XXXX states I owe a debt for an account that was not authorize by me and being that all of my identifying information was stolen I have no idea how they are claiming this is my debt. The address that the account was opened is no account that has ever been associated with me. They have not sent me anything that validates the alleged and FRAUDULENT debt to be mine. These debt collectors have no integrity and clearly will lie to gain money.. the fact that all the credit agencies have the police report on file and the affidavit this should have been removed within 72 business hours or less upon them being notified this was FRAUD. instead they have continued to allow this to create a hardship. During these unprecedented times there should be a willingness to adhere to the fair credit reporting act in addition to the information they have on file which after my research covers the FRAUDULENT ACCOUNT. i have also filed a report on said company with the CFPB. XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my XXXX  credit file ( online ). I named each inquiry to the XXXX rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and Equifax stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.
Complaint sub-issue: Account status incorrect

Account information with collection agency HUNTER WARFIELD is reporting account as open and amortizing interest penalties as missing monthly payments creating a larger negative monthly balance with missed payments on a closed charged off account from XXXX XXXX AT XXXX XXXX sold to HUNTER WARFIELD as a collection agency. 

I have disputed the information several times to only see that the amount will be changed by a fictitious amount to settle the dispute. Hunter Warfield accounting department laters readjust the account to reflect a missing payment and increase in my collection and continue to impose the amortized interest penalty on the charged off collection and report it as a open account on my credit report. This action is a predatory tactic by the HUNTER WARFIELD to do the greatest damage to my consumer credit report and violates the FDCPA guidelines for 100 % accurate reporting by a debt collector, namely HUNTER WARFIELD. 

The original charged off balance from XXXX XXXX AT XXXX XXXX lender is {$10000.00} as of my earlier credit reports dated XX/XX/XXXX. The account has a balance of {$13000.00} as of XX/XX/XXXX, due to the predatory monthly amortization penalty added on a closed collection account. This account is not a fixed loan or revolving account and has alien judgement and charge off.
Complaint sub-issue: Received bad information about your loan

I have two outstanding student loans with ECMC with a balance that total {$11000.00} during the covid pause ECMC refused to pause the interest rate and in fact kept calling to pay payments on the student loans. I am also XXXX  and a veteran and ECMC still attempted to collect on the loans while in the covid pause was in place. On XX/XX/XXXX, I received a notice from ECMC that I can request a refund of any monies that was paid to ECMC during the pause but they refuse to refund those monies of {$4000.00}. ECMC still refuses to pause the interest rate on the loans.
Complaint sub-issue: Information belongs to someone else

These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}
Complaint sub-issue: Debt was paid

I had a credit account with first progress card. the account went into a charge off/ collection. I paid the bill 0f XXXX in full and first progress is refusing to update the information with all 3 credit bureau. I have full evidence that I have paid the money. I have a photo of my receipt.
Complaint sub-issue: Information belongs to someone else

Ive contacted Equifax several times as well as sent over documentation to prove that I was a victim of identity theft. Equifax has failed to report data correctly on my report. Ive sent the same information to XXXX and XXXX and they verified the accounts on my report as fraudulent. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 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: Didn't receive enough information to verify debt

This KIKOFF Lending LLC. is not a real company. I called their phone number XXXX back in XXXX to see what this charge is about. The phone went to a dream destination automated system. I filed a dispute with experian and they checked for me if this was a valid claim or not. For some reason this company mentioned it is but never sent any confirmation or letter on this matter to me. So I called them and they do not answer. I sent them an email and they stated the company is small and only one person is helping at the moment. Please help me stop this madness.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Their investigation did not fix an error on your report

Equifax has accounts on my credit report that are not mine/inaccurate/false/fraud. 
XXXX-collections account was removed/deleted from XXXX on XX/XX/2019. 
XXXX-collections  account was removed/deleted from XXXX  on XX/XX/2019 XXXX-collections account was removed/deleted from my transunion credit report on XX/XX/2019
Complaint sub-issue: Their investigation did not fix an error on your report

A dispute was sent to XXXX on XX/XX/2018 regarding unverfiable information on my Transunion credit report. As of XX/XX/XXXX ( today ) I called XXXX and talked to " XXXX '' in XXXX 's Special Handling Department. She claims Lexis Nexis is sending them verification of my disputed item ( s ). I have proof of " suppression letter '' attached and " security freeze '' letter attached, I placed on my Lexis Nexis report in XX/XX/2018 XXXX suppression ) and XX/XX/2018 ( security freeze ), yet they are still claiming Lexis Nexis " verified '' their information. Lexis Nexis has assured me via phone and per suggested " suppression '' and " security freeze '' that information can not be accessed through their portals with XXXX once these items are in force which they are now and were at the time of supposed verification. XXXX claims they " verified '' and Lexis Nexis is still reporting according to XXXX. I would like Lexis Nexis to abide by their " suppression '' confirmation and " security freeze '' confirmation ( documents attached ) and protect my privacy by disallowing XXXX to continue to verify their information they are supplying erroneously and obstructing my rights under FCRA.
Complaint sub-issue: Information belongs to someone else

The account/company name is XXXX XXXX which is being reported on my Equifax credit report with a {$430.00} balance. 

Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX I have contacted Equifax to question the accuracy of this account and verification as I've informed them the account is not my account. The account is being reported as a " charge-off '' account for the current payment status and the worst payment status. 

I've contacted Equifax both via phone and writing with the most recent written communication being sent on XX/XX/XXXX. I've contacted Equifax on numerous occasions regarding various incorrect information that was being reported on my credit report. I've spoken with a representative at Equifax on XX/XX/XXXX in which I've received the confirmation # XXXX. I also spoke with a Rep at Equifax on XX/XX/XXXX and I received the following confirmation numbers XXXX and XXXX. 

In addition, I have contacted the creditor in which I have not received any form of correspondence in return. In addition, Equifax, has not sent any correspondence to me via mail or in writing ( or by no method ) in response to my complaints. 

I have reached out to both the credit bureau as well as the creditor with no help from either. This account does not show on any other credit reports. This issue has been very stressful for me. I am only seeking help and assistance in solving this issue. I would greatly appreciate any assistance you are able to help me in getting this negative account that is not my account " removed '' from my credit report please.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
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.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

They had a major security leak, which potentially included my SSN.