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

In accordance with the fair credit Reporting act XXXX # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Complaint sub-issue: Public record

I have requested that previously DISMISSED CH XXXX filings be removed off my credit report due to the age of the records. The filing dates are over 7 years old and the clock starts ticking from the date of filing not the date of the discharge or dismissal. The Trustee 's office stated the same to me and suggested that I file a correction through the XXXX reporting credit agencies. 

I am currently in a CH XXXX and will be successfully discharged in XXXX/XX/XX/2017. I am trying to clean up my credit report before I get the discharge.
Complaint sub-issue: Their investigation did not fix an error on your report

There has been 3 main issues with Money Lion Initially they did not have a phone number to call and fix my payment issue. 

When I finally got a hold of them they put in my payment info in incorrectly I paid it off in XXXX and they continued to put additional lates on my credit after balance was paid off Because of the issues above they have put lates on my credit report and they need to be removed
Complaint sub-issue: Account status

In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX 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: Reporting company used your report improperly

I am submitting this claim because I was implicated in the XXXX  2017 data breach at Equifax. It is extremely disconcerting that this company lost the most sensitive type of data that is possible to lose. This is particularly egregious because Equifax runs a service that is *required* to operate in the modern world and economy. For example - a credit score and report is required for every apartment rental I 've ever applied to. This means that it was n't truly an option to become a part of the Equifax database which has now been compromised.
To date, I have no knowledge of any personal identity theft or financial harm as a result of this breach. I simply want to have this event on the record, should I suffer any financial hardship down the line from this event.
Complaint sub-issue: Debt is not mine

An agreement was made with the company the matter has been taking care of and the account is closed im no longer liable for the account however its still showing up on XXXX and XXXX as open and negative. XXXX is the only one that updated the account correctly and closed it out.
Complaint sub-issue: Information belongs to someone else

When I purchase a home in XX/XX/XXXX, a XXXX XXXX mortgage for a home I do not own was listed on my credit report. 
I reached out to the bank via phone. They confirmed that this mortgage existed & was incorrectly assigned to me & it would be corrected. 
Last year as I applied to refinance a home, this same mortgage was still on my credit report. This time, XXXX XXXX sent me a letter telling me the account was handles appropriately & they didnt need to take any action. 
I dont see this mortgage if I am checking my XXXX XXXX account, but if the bank pulls my credit, it is there. 
I have tried contacting the credit bureaus, but as it does not show up on my credit, I cant direct them to dispute this issue.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2021 I.C SYSTEM, INC Debt Collector Company that Reported on my Credit claiming that I owe them {$360.00}. They have never given me any service or my Creditor and I did not give them permission to report on my Credit Report. I disputed it Through XXXX on XX/XX/2021, on XX/XX/2021 they said the account has been verified as accurate. I.C SYSTEM, INC ( debt collector ) is not apart of XXXX XXXX XXXX XXXX ( creditor ), just because you receives an assignment or transfer of a alleged debt does not make them a Creditor according under 15 USC 1692a. When the Debt is Being Disputed under 15 USC 1692g ( 4 ), verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. XXXX did not show the Verification and I.C. SYSTEM, INC has not mailed the Verification. It's said that the Creditor Bureau 's doesn't follow or know the FEDERAL Debt Collection Practice Act 15 USC 1692
Complaint sub-issue: Information belongs to someone else

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there is an inaccurate itemon my credit report. This have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Attempted to collect wrong amount

They have placed negative items on Credit Report. I have asked them to send me a invoice for these debts. They refuse to send me a invoice. My insurance said if they have a invoice they will pay it. They continue to call me. I have told them I wo n't pay it without a invoice. This item is over 7 years old.But because I do n't have a invoice I can not tell for sure.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

For over 4 years, This Major Credit Bureau has refused to delete all the unsubstantiated details within my credit file for which there is no contract at all. I've disputed with them multiple times and I've expressed to them my concerns regarding all of the information within their data breaches that have caused this. They choose to do nothing about issues. They would much rather deny my complaints consistently than to comply with Federal Law. 

The Law States that per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020, section 401 explains details regarding any adverse credit details contained within my personal file are to be REMOVED. I'd appreciate if this Major Credit Bureau can finally obey the law. 

I'll obtain a copy of this complaint to collect with other data to forward to my attorney regarding their persistent defiance with the law. I have collected several pieces of evidence ( s ) for which will help us to win a favorable ruling in court. This is my final communication that my attorney asked me to submit and task to execute.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # 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
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, EQ and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX Opened XX/XX/XXXX. Bal of : {$12000.00} XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$7000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$2900.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I received disputed results back from Equifax after disputing a re-aged account from XXXX XXXX XXXX now listed under XXXX XXXX XXXX that is re-aging the account with new dates. Equifax is refusing deletion that the other credit bureaus deleted with no problems due to the Date of First Delinquency from the Original Creditor XXXX XXXX of XX/XX/XXXX with a schedule to be on report until XX/XX/XXXX from XXXX, XX/XX/XXXX with a schedule to be on report until XX/XX/XXXX from XXXX, and XX/XX/XXXX and states no day of deletion off credit report from Equifax. Equifax then UPDATES the CLOSED account to OPEN XX/XX/XXXX dropping my credit score. All the Date of First Delinquencies per reports do not correspond with one another to the DOFD and I am requesting Equifax to delete this account immediately from my credit report. The collection agency has re-aged this account twice according to the Original Creditors Date of First Delinquency. Please delete this account immediately. I will be reporting re-aging to the Federal Trade Commission ( FTC ) as this is a serious offense under the FCRA.
Complaint sub-issue: Account information incorrect

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and XXXX pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, XXXX and XXXX are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, XXXX and XXXX reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus. 

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Complaint sub-issue: Company closed your account

Im writing as a disappointed customer of Citibank. On or about XX/XX/2019, I submitted a payment online. Shortly after realizing that I scheduled a from the wrong account ( there are several listed in my account ), I contacted Citibank and attempted to cancel and reschedule the payment using the correct account. They told me that they were unable to make any amendments and that it would be returned and then I submit another payment using the correct account. I asked if they could notate my account because I didnt want to face any penalties or problems. They said they would notate the account and assured that I wouldnt face any penalties. They even submitted a request to waive the fees. As advised, I made another payment, from the proper account, which cleared my account without incident. However, Citibank closed my account citing credit abuse. I contacted customer service to inquire and they would not offer any additional information. 
Im appalled and would like this situation rectified and the account reopened. Credit abuse is incorrect reporting. The payments on this account have been timely and Ive been a valued customer for many years. I used this card regularly which is not abuse. This is unacceptable and I am expecting a response. If Citibank is alleging credit abuse I would like a FULL explanation/FULL disclosure of the alleged abuse to include dates, times, and incidents. 
This is unacceptable treatment by Citibank. Accordingly, I have also filed an official complaint to the Consumer Financial Protection Bureau. Thank you for your time and consideration to this matter.
Complaint sub-issue: Personal information

I have never lived anywhere except XXXX, Louisiana my entire life. There areally XXXX addresses listed that are n't mine.
Complaint sub-issue: Can't use card to make purchases

PNC is such a fraudulent organization, they told me that me my account balance would be restored by XX/XX/20. They have hundreds of cases like mine where they have decided to temporarily credit the account while investigating the charges. 

They have advertised " zero fraud liability '' and have also advertised a temporary credit no later than 10 business days from the day that I disputed the charges. 

10 days have come and went, and my account balance states that I have {$15000.00} available to spend as of XX/XX/20, but they will not allow me to spend any of the money.
Complaint sub-issue: Talked to a third-party about your debt

Please see complaint filed XX/XX/21 - XXXX Submitted complaint XX/XX/21 for debt collection contacting/sharing someones information improperly. Company wrongfully wage garnished my stepmother at her employer after obtaining her social security number. Company refused to email me back or find my file via phone call. I contacted the attorney generals office because to be quite honest this has been a nightmare - they sent me the findings with the companys case notes which clearly show the my stepmothers social security number with my name and mismatch information. They wrongly wage garnished a person and clearly did not do their due diligence to ensure correct information. - Follow up below on why I am contacting you yet again on this issue : Jefferson Capital stated in the companys response Please be advised that Jefferson Capital does not have any personal information belonging to your step mother, Ms. XXXX XXXX. 
After reviewing the companies case notes obtained from the attorney generals office- file number ( please contact me ) on XX/XX/21 Jefferson Capital already began to use my stepmothers social security number, showing they clearly obtained XXXX XXXX XXXX stepmothers ) personal information.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an account that is closed and reporting late on my credit report. I have never been late on this account and a closed account can't report a late payment. I have disputed this information and the bureaus refuse to remove it. 

XXXX XXXX reported a late payment for 60-89 days in XXXX but this account was paid off in XXXX and wasn't late in XXXX, XXXX, or XXXX.
Complaint sub-issue: Debt was paid

The account XXXX XXXX Bank on my credit report was paid in full and I was told by XXXX XXXX XXXX XXXX who owns and bought the account that it would be deleted off my credit report and it hasnt and its been paid in full since XXXX.
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

writen letters sent requesting that the Credit Bureaus remove the following inquiries from my Credit Report. Nevertheless, the Credit Bureuas consciously denied and neglected the letters I sent which is a clear violation of the FCRA regultions. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my requests should result in immediate removal of the unauthorized inquiries below : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Complaint sub-issue: Didn't receive notice of right to dispute

an account was opened in my name in XXXX  at a XXXX XXXX XXXX  This is not me I have never opened an account at this company. I was made aware of the situation when I bought my new car. XXXX reported it on the credit report I have reached out to XXXX and also the company that reported it as not paid and turned over to collections. The company in question is ACIMA DIGITAL XXXX.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX/XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted several disputes to XXXX  regarding an incorrect reporting by the Connecticut Department of Social Services who continues to incorrectly report my monthly payment history on a child support account that was opened fraudulently by the consumer reporting agency. The credit report shows that I have past due monthly payments in XXXX which is completely not accurate and erroneous. I have disputed this error numerous times with XXXX and the company is fraudulently reporting the errors as correct. Connecticut Department of Social Services has been garnishing weekly payments from my account to pay the weekly payments on-time since XXXX and therefore the payment history and credit rating disputed involving this reporting has been incorrect for the past 16 months that has caused other financial institutions to approve loans and credit cards because of the payment history that is being reported fraudulently and the errors not removed.