Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries and Accounts have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/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 hand written instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Was not notified of investigation status or results

I have file disputes in XXXX of this year and i still have not received anything from them. 
Attached are my disputes letters.
Complaint sub-issue: Threatened to sue on too old debt

This company ( XXXX XXXX ) called me and left a message stating they are sending me legal documents and that I must be present with indentication to sign them and to call. XXXX. When I call that phone number and gave them case number XXXX they stated I owed Western sky {$9000.00} and that they were calling to collect. I stated to them that I had contacted the attorney generals office almost more than a year ago and per the Indiana attorney generals office they were legally not allowed to be collecting any monies from me as they were not licensed in Indiana. On top of that Western Sky has already collected more than the loan balance and technically they owed me everything that was collected from my as they were never licensed.
Complaint sub-issue: Didn't receive enough information to verify debt

That account appear on my credit report XX/XX/2018, I am not aware of that account.
Complaint sub-issue: Account information incorrect

HELLO, THE AUTO LOAN ACCOUNT WITH XXXX  SHOWS IT HAS BEEN SOLD TO ANOTHER AGENCY HOWEVER XXXX IS IN VIOLATION OF THE FAIR DEDT CREDIT ACT BECAUSE THEY NO LONGER HAVE THE ACCOUNT AND THEY SHOULDNT BE REPORTING THIS ITEM. ATTACHED IS THE LETTER MAILED OUT.
Complaint sub-issue: Information belongs to someone else

XXXX  and Equifax continue to report inaccurate information. I have disputed this issue several times. I have requested the reported information be verified and validated with the original agreement, agreement or account with my signature matching the dates they continue to report. The companies refuse to provide me a copy of my request. Instead alter information reporting and lying stating the information has been verified as accurate and continue to report. Neither XXXX  nor Equifax reports state the same exact information and both should be held accountable for supplying information like that when their mistakes determine if a person has to walk or can buy a car. These reporting agencies have very bad unethical habits of reporting and supplying negative information which is a violation of a consumers right to fair reporting. Please see attached documents. Under no circumstances should credit reporting be allowed without actual documents to validate and verify what is reported. Because XXXX  and equifax have refused and failed to provide me a copy of validation, I demand the derogatory report permanently removed and deleted from my report.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have had a Citi AA Card since XXXX with no issues. My bill is paid on time XXXX most times paid early ) and the minimum payment or more is paid each month. They have routinely increased my credit limit without request from me due to my good history with their company. On XX/XX/XXXX, I made a payment of {$2900.00} I wanted to use this credit card to pay vendors for my upcoming wedding so I could earn miles for a honeymoon trip! On XX/XX/XXXX, the company decreased my credit limit by {$1500.00}, making my current balance OVER MY CREDIT LIMIT, and the card is not able to be used. There was NO advanced notice they would be taking this action. I tried to use the card, and it was declined. 

When I called Citi AA, they say the decrease was due to large debt owed to other creditors. They claimed to do a soft credit check twice per year to evaluate line of credit increases / decreases. Yet, they have never decreased my credit in the past. I have no more credit card debt now, than I did 6 months - 1 year ago ... I actually have less. I did purchase a new vehicle several months ago but that is the only increase I have had in credit. That bill is also paid ON TIME! 

The representative I spoke with was clearly reading from a script. I asked for her supervisor, XXXX. He was also clearly reading from a script and of NO HELP. He kept repeating the same thing over and over. I tried to call the number listed on the letter dated XX/XX/XXXX which I found ONLINE, and after being on hold for 5 minutes, it stated " We are having trouble connecting you to a representative. You can call back at your convenience. '' What a joke! 

This adverse credit decision will RUIN MY WEDDING! I do not know how I will pay my vendors now that my entire wedding vendor budget was paid on this credit card with the intention of paying individuals vendors with the credit card. 

There has to be something that can be done! If my payments were late or missed, I would completely understand the decrease in credit limit. BUT I always pay and pay over the minimum amount due. Sometimes, I even make multiple payments in a month to ensure the balance does not exceed my credit line as I have several bills set up on the credit card as automatic payments. 

I am very frustrated and have no idea how I will get married now that this has happened WITH NO ADVANCED NOTICE TO ME!! They mailed a letter the same day they decreased the credit limit. Of course, they were more than happy to charge my {$99.00} annual fee to my account regardless of decreasing my credit with no consideration of my EXCELLENT payment history with their company!! Who says I want to continue being a customer of theirs after being treated this way?? PLEASE HELP!!
Complaint sub-issue: Reporting company used your report improperly

Tally obtained my credit information through false advertising and I unknowingly entered into a predatory lending loan. 

I signed up for a congruent balance transfer line of credit, not a loan. 

Also initially Tally was not reporting on my credit when I joined. 

I was under the impression my balance with Tally was XXXX XX/XX/XXXX and I was blindsided with a near {$5000.00} balance. 

In 2020 Tally began to report on my credit due to a California ordinance. 

I am requesting Tally to remove its reporting from my credit file as I never authorized the reporting to my credit file. 

I was not forwarned nor received an email or letter about the change. 

XX/XX/2020 ; I informed Tally, my company is purchasing an {$8.00} XXXX dollar commercial building for my company headquarters in which Stellar credit is required. 

A Tally balance is reporting on my credit as of XX/XX/2020 I need it removed immediately.
Complaint sub-issue: Problem during payment process

I had two late payment that reported on XX/XX/2020 for my First Progress accounts. The payment was about XXXX $ together. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I wasnt aware of the bill pay method with my bank, and with it being my first time ever using it. I did not realize I had to set it up electronically with my bank so my payment would process immediately. I paid the bill on the XX/XX/XXXX, but since I did not set it up electronically they mail out the check that did arrived after my payment date. I already handle the situation with the my personal bank by setting up my account for electronically for future payment. I reach out the first progress they told me its nothing they can do about the late payment posting to the credit bureau because its already posted but they could wave my late fees on the cards. I am trying to get a new car in this hurting my chances.
Complaint sub-issue: Problem making or receiving payments

PNC is disallowing transfers via websites such as XXXX, XXXX, etc.
Complaint sub-issue: Didn't receive enough information to verify debt

Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX inquiry date XX/XX/XXXX 3. XXXX XXXX inquiry date XX/XX/XXXX 4. XXXX XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX 5. XXXX XXXX inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX inquiry date XX/XX/XXXX 7. XXXX XXXX inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX inquiry date XX/XX/XXXX 9. XXXX  inquiry date XX/XX/XXXX 10. XXXX XXXX XXXX inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.
Complaint sub-issue: Account status incorrect

Equifax is reporting 6 Dept of education accounts inaccurately. 
They are in violation of multiple FCRA violations- The three accounts Titled DP OF EDUC- These accounts were removed in XXXX off my credit report, they then reinserted them, and are again reporting inaccurately. The accounts are all three paid and closed -- but they are reporting the Account status as " derogatory '', the payment status is reporting as " Late 120 days ''. 
The comments show that it is paid. This is all inaccurate and not reporting the true accurate status of the accounts. They are also DUPLICATE reporting to the following three accounts listed below. 

The three titled " DPT ED/XXXX These are duplicated with the three accounts listed above Also these are paid and closed as of XXXXXXXX XXXX XXXX  ( I've included the statement from XXXX ). Also they are reporting the payment status inaccurately as " Late 120 days '' and they are reporting a two year history that is over XXXX XXXX XXXX 

I've included all 6 copies of the credit report on each duplicated accounts, with the highlighted areas that are inaccurate. As well as the statement from XXXX showing a XXXX XXXX  and payment in full.
Complaint sub-issue: Card opened as result of identity theft or fraud

THERE ARE 6 INACCURATE ACCOUNTS REPORTING TO MY CREDIT REPORT THAT ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY 1. XXXX XXXX ( ACCOUNT # XXXX ) AMOUNT : {$4600.00}, 2. XXXX ( ACCOUNT # XXXX ) AMOUNT : XXXX or {$6700.00}, 3 ) XXXX XXXX ( ACCOUNT # XXXX ) AMOUNT : {$890.00}, 4 ) XXXX ( ACCOUNT # XXXX ) AMOUNT : {$3400.00}, 5 ) XXXX XXXX XXXX  ( ACCOUNT # XXXX ) AMOUNT : XXXX {$6.00} ) XXXX ( ACCOUNT # XXXX ) AMOUNT : {$280.00} XXXX ALL OF THESE ACCOUNTS ARE INACCURATE AND NEED TO BE REMOVED IMMEDIATELY.
Complaint sub-issue: Confusing or misleading advertising about the credit card

XXXX : contacted Best Buy Citibank for charge found from XXXX of {$100.00} interest payment that didnt make any sense. Called them and they said there is a deferred interest rate. I told them I never check my statements, have an auto pay + {$5.00} till the bill got paid. I didnt use the card anywhere else and couldnt understand why I had to keep paying towards such a small original amount of {$500.00}. XXXX the management accused me of not looking at my statement and said she wont void the deferred interest charge. I would of never signed up and was mislead as to a deferred program. I could of paid off the credit card on time if I was aware of this obsured policy. I know other people have been mislead through this company ripping people off. Cheap business idea.
Complaint sub-issue: Their investigation did not fix an error on your report

on XXXX I notified the all 3 credit bureaus on invalid and inaccurate reporting after over 45 days the accounts are still present on my reports. None of the accounts furnished have my written consent to be furnished. That is violation of the FCRA 15 usc 1681b ( a ) ( 2 ). Also I have medical related accounts being furnished. that is not only a hippa violation but is a clear violation of my privacy which I have the right to according to the FCRA 15 usc 1681 ( a ) ( 4 )
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  I Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I checked my credit report and noticed that it has been used without my consent and there was and attempt to apply for credit in my name i talked this over with these companies ' numerous times i need this investigated and removed!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There are a couple items that should not be listed on my credit file which are XXXX XXXX # XXXX - See attached deletion notice, remove this item per the company they sent a deletion notice and it is still on my credit file XXXX XXXX # XXXX -Company stated they requested a deletion why is this still listed on my report
Complaint sub-issue: Reporting company used your report improperly

I filed a complaint with the CFPB that The company IQ data is reporting incorrect information on my credit reports ( XXXX, XXXX XXXX XXXX ) by law the company is supposed to respond to my inquiry within 5 days acknowledging that they have received the complaint, this was sent to the company on XX/XX/XXXX it is now XX/XX/XXXX and the company reporting IQ Data has not acknowledged they have received my complaint I ask that this incorrect account be permanently BE REMOVED/DELETED from all 3 credit reports IMMEDIATELY!
Complaint sub-issue: Their investigation did not fix an error on your report

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let the payments lapse on this account with XXXX XXXX ( XXXX XXXX XXXX ) but when I was able I paid the account off in full. Which was this year XX/XX/2019. I paid a total of XXXX for them to update this account to reflect positively for me and nothing has happened. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The XXXX XXXX ( XXXX XXXX XXXX ) account has been paid in full, I would like them to update the payment history or just remove the account please so my score can increase and I can move forward with helping my family properly. I will attach the paid in full receipt letter that XXXX XXXX ( XXXX XXXX XXXX ) sent me to this complaint. It's paid so please help me out and update the history of this account so I can better our future.
Complaint sub-issue: Debt resulted from identity theft

This company XXXX XXXX, XXXX were told on XXXX XXXX, 2015 .via certified mail, That this account that they are trying to collect on is a result of XXXX. The company who sent them the information ( Amercian Education Services/ National Collegiate Trust ) had been informed on XXXX 2015 that this account was a result of XXXX and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business Aes/NAtional Collegiate TRust that this account was a result of a XXXX. They have not responded to me on this and knowingly went and sold this account to another debt collector XXXX because now in XXXX XXXX, 2015 I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at XXXX XXXX, XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I reviewed my credit information and discovered that there is a Bankruptcy, Chapter XXXX listed on my credit file from XX/XX/XXXX, and Bankruptcy, Chapter XXXX filed XX/XX/XXXX. I begin to investigate and determined that the courts did not report to the credit bureaus. I did obtain a letter from the credit advised that it was not reported by them. I also reached out to XXXX as well and they also sent a response advising that they do not make any contact with any credit reporting agencies. I was never provided with any information advising the information has been verified or accurate.
Complaint sub-issue: Billing dispute for services

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX  reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Complaint sub-issue: Information is not mine

I have contacted Equifax over XXXX times concerning this issue ; they say that I am being verified electronically however I informed them that the information is incorrect and that I was not in FL when the supposed medical bills occured. They refuse to remove the negative info from my credit report. All of the other credit agencies have removed these doctor bills as the company couldnt prove conclusively it was me. Equifax is refusing to cooperate. This has been going on for over a year.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I obtained a cop of my credit report and noticed unauthorized inquiries i immediately called the three reporting agencies they all gave me the run around even going as far as saying i was lying and implying it was me i wrote letters to all three bureaus ( XX/XX/2018 ) only to not get a response and i still call to no avail at this point im just tired of being on hold for some rude person having a bad day to question about calling in.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} ; XXXXXXXX  XXXX Balance : - ; XXXX XXXX  XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX  XXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Several companies have taken advantage of the recent pandemic and have put false negative items on my report. an energy company filed a collection in XX/XX/XXXX and a few other accounts. these are not even accounts i opened myself.