Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

So much is going on and I have been trying to get my credit fixed for so long, it's so much that pops up that I try to get disputed from all three major credit Bureaus ( XXXX, XXXX and XXXX ) as well as other consumer agencies. I have never personally met anyone employed at the companies but yet they judge me and hurt me, my peace of mind and my well being because they deem me to be less than worthy. I'm tired of trying to properly read, understand, dispute everything contained within all of my reports, especially inaccurate, unauthorized information. My name has always been XXXX XXXX XXXX XXXX name is XXXX ) but every time I dispute something because the name is wrong, the amount is wrong, the account history is wrong or does not belong to me, debt has been sold, HIPAA has been violated... they feel that it's ok to defame and slander my name and reputation. Why is it ok for them to practice and perform unscrupulous values, biased beliefs and judgements against me?? I'm tired and I'm frustrated, my mental health is suffering severely in trying to rectify and correct all damage done by their false reporting and distribution of information without my consent, expressed or implied. I don't hate people but I hate that businesses can disrupt reputations and cause adverse effects but it's ok and they get away with it and I'm just supposed to calmly accept it because they want to give it to me. My character, my life, my history and circumstances feel as if this is a form of manipulative XXXX and harassment. Please stop falsely reporting things and accounts that don't belong to me.
Complaint sub-issue: Information belongs to someone else

I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported :XX/XX/XXXX {$7600.00} Good XXXX Last reported : XX/XX/XXXX {$990.00} Good XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX Last reported : XX/XX/XXXX Other Loans : OTHER LOANS XXXX XXXX XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

THere are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX & XXXXXXXX XXXX XXXX, I was a victim of scam/fraud. The person pretended to be a hiring recruiter, interviewed me, told me I got hired, and made me sign a w4 and other paperwork. They told me I had to buy a laptop before my start date and sent me an invoice for the equipment and told me I would be reimbursed from the company after purchasing. I heard from an actual employee at the company a while later that the person who I was in contact with was a scam artist and was not affiliated with the company. The invoice was for a total of over {$7000.00}, but I had told them I wanted to pay in increments. Because of this, I luckily caught on before paying them the full {$7000.00}. The amounts I did end up paying them were 1 payment of {$2000.00} on XX/XX/2022 and {$2500.00} on XX/XX/2022. Money was sent to the scammer via XXXX, but XXXX said they couldnt do anything and to call Discover to dispute the charges. Discover opened a dispute but it got dismissed. I had them re-open the case, but they still dismissed the case in favor of the scammer. The credit that Discover gave me was refunded back to the bank and I never got my money back.
Complaint sub-issue: Information belongs to someone else

The collections account they are showing never belonged to me nor did I ever live at that address for service. All this information is invalid and incorrect. Also I will include a screenshot of my active XXXX account. If I owed money I wouldnt be able to have service. Company name is MRS BPO who is charging that collection please take a look at my address and see what address that collection agency is reporting.
Complaint sub-issue: Account status incorrect

This reason I am filing this complaint is to request an investigation into XXXX XXXX and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month of XX/XX/XXXX. I am requesting that XXXX XXXX and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : 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 how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report XXXXXXXX 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
Complaint sub-issue: Deposits and withdrawals

XX/XX/2020 I opened a Citibank account online so I could access a XXXX payment of XXXX $ from a friend and cash out XXXX $ from a XXXX XXXX. I mistakenly tried to send a wire twice which resulted in a block on my account. I didn't think this was a huge issue but when I called they refused to tell me how to unblock my account as instructions had been sent in a " letter ''. I explained that the " letter '' had been sent to the wrong address. They refused to send another stating " we only send one ''. I called again after some digging online to find out what that letter may have said and explained that if my identity verification was all that was needed, I'd be happy to send that document but they refused to say what secondary documents may be needed. They said the account had been moved to closure and verifying my ID wouldn't help, it was over, nothing they could do. The remaining balance would be sent to my address after closure in about 30-60 days. 
Months later, the account was still open. I requested it be closed or that find a reasonable way for me to verify my identity to remove the block so I could access funds ( I live 12 hours away from a branch ) they said they would move it to be closed immediately. 
First week of XXXX I had an appointment with a personal banker who assured me the account would be closed within days and funds sent to the address on file. No further action needed. 
But then last week I was distraught to find the account was still open and still blocked. I called several times before I was connected to a very rude " specialist '' who said that even if they closed the account, the money would be held by them indefinitely because it had not been " verified '' meaning I had not ( or as she said " the account holder '' ) proved the money was mine before opening the account. That in order to verify the money belonged to account holder, I'd have to contact employers, friends, XXXX or anyone that had given me money to start the account. I had no idea what she meant, I have never heard of having to verify that money is mine before using it to open an account? She refused to explain further and lied staying that I'd be given a call at a later date. 
As of now the money ( about XXXX $ ) is still sitting in this blocked account. I've been promised countless times that it would be refunded at account closure but they refuse to close the account even after 7 months of inactivity. I was told I have no recourse. They have ruined me.
Complaint sub-issue: Public record information inaccurate

My name is XXXX XXXX and I am personally writing this complaint. My consumer report shows that I have a collection account from XXXX XXXX which is now owned by XXXX XXXX, account number XXXX. This is in CLEAR violation of federal HIPPA laws as well as the FCRA. 15 USC 1681b ( g ) 1 ( A ) A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless the consumer affirmatively consents to the furnishing of the report ; AND this is in clear violation of 15 USC 1681 c ( a ) 6 which states, " ..reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services. '' They are describing the nature of XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I have mailed several letters to Equifax disputing the errors on my account. 
I have also called & representatives claimed to start an investigation on these fraudulent errors also. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX {$1400.00} Balance updated XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  {$1300.00} Balance updated XX/XX/2020 These accounts do not belong to me. 
Please assist me on getting them removed, these fraudulent items are damaging my score and credibility.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself. This company is currently showing XXXX days late for the month of XX/XX/2020 in XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXX XXXX XXXX XXXX )
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Upon Review my credit files, it showed a false account from XXXX XXXX XXXX XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past.
Complaint sub-issue: Personal information incorrect

In mid XXXX I noticed that my Equifax credit score dropped dramatically when there had been no change in my account activity. I logged in to see what was going on and noticed that 1 ) My first name was now misspelled, and 2 ) An address where I never lived had been added. I filed a dispute on both counts, uploading a passport and drivers license to confirm my identity. 

I filed a dispute in mid XXXX and received a notice earlier this week that it had been corrected. When I logged in yesterday, neither error had been corrected. 
I filed a new dispute and received notification today that the correction had been made The dispute numbers are : XXXX XXXX I called this morning to alert them to the problem and an incompetent call attendant did not understand the problem, then told me I had to upload my social security card -- when the instructions did not say it was a requirement. She then claimed she corrected both issues, but did not understand why I was concerned that this incorrect information was now in my file. I asked to speak with a supervisor, and she said yes then disconnected me. When I logged back in the errors were still in my file.
Complaint sub-issue: Information is not mine

I noticed a new address was reported to my Equifax credit account. My address is the same in XXXX, NJ and the name does not match also. My name does not have an XXXX in the end of my first name.
Complaint sub-issue: Their investigation did not fix an error on your report

Items from a previous ID Theft issue continue to be reported on my consumer reports. They've failed to remove all of the accounts.
Complaint sub-issue: Account information incorrect

I had an account with XXXX/XXXX. My account was sold to XXXX XXXX XXXX in XX/XX/XXXX. But on my Equifax report it shows that I made two payments directly to finger hut XXXX and in XXXX of XXXX. Then shows I owe late payments to XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Its not possible for me to owe them late payments if they already sold the debt to a debt collection agency ( XXXX XXXX XXXX ) in XXXX. It is illegal for a company to accept payment from a consumer if they already sold the debt to a debt collection company. My consumer rights was also violated again. XXXX But my Equifax account shows that XXXX reported payments made from XXXX. Then reported late payments XXXX. Then more payments being made from XXXX. These are all reported after the account was sold to XXXX XXXX in XXXX, which goes against my consumer rights. ) Also, the account wasnt reported charged off until XX/XX/XXXX. I mailed a letter to all three credit bureaus and XXXX/XXXX  but all they did was make a dispute comment and dropped my score even more. I feel helpless and powerless because every time I reach out they update the data and hurt my score. All the credit bureaus do is verify that it is mine, but they arent protecting my consumer rights and looking deeply into the matter
Complaint sub-issue: Reporting company used your report improperly

To whom this may concern. I am writing this notice to dispute and remove some incorrect and erroneous items that are illegally reporting, and damaging my credit report. First and foremost, I would like to mention XXXX XXXX XXXX XXXX XXXX  a.k.a Public Law 73-10 which suspended the Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes wjich antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Listed below are the accounts that I DEMAND be removed IMMEDIATELY. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I did not give consent for this company to use my personal information for any reasons and by doing so have violated my rights and privacy. Not Only did they use my information they also used inaccurate information at that, damaging my reputation. The Company I am Referring to but not limited to is Equifax, Credit Bureau XXXX.
Complaint sub-issue: Deposits and withdrawals

I am a victim of fraud. On XX/XX/2020, someone accessed my Cash App account without my knowledge or consent. They sent funds from my account to another Cash App account " XXXX   XXXX '' at XXXX XXXX in the amount of {$1500.00}. This was my entire balance. I do not know the account owner " XXXX   XXXX ''. I have never sent funds or recived funds from this account holder. I requested a refund from the account holder, however, the account user did not respond. Cash App has a phone number, however, it states representatives are unavailable. I sent an email to Cash App but did not receive a response. I canceled my Cash App card and have a new account but have yet to receive my balance back from Cash App. It is very difficult to contact anyone at Cash App. 

I attach hereto, a copy of my Federal Trade Commission IdentityTheft Report.
Complaint sub-issue: Information belongs to someone else

To whom it may concern : I tried to get my Equifax credit report but was denied. This isnt the first time and I tried to get them to investigate it but they didnt. They have credit information that is fraud on my report. I found out through a private detective that someone took out a credit card and auto loan in my name. Also they are reporting I worked at XXXX XXXX when I have never worked in the industry of hospitality. Please look into this ASAP. Thank you sincerely XXXX
Complaint sub-issue: Information is missing that should be on the report

There is a collection account ( XXXX XXXX XXXX ) that is placed on my credit file that is not accurate. However, I can not dispute the information with the company because the address listed is not correct. 

Since the information listed by the credit reporting agency is inaccurate it must be deleted by the reporting agency. However, after writing two letters to Equifax, they have ignored my letters and continued to keep reporting the inaccurate information in violation of federal law ( FCRA ).
Complaint sub-issue: Was not notified of investigation status or results

I mailed a dispute letter to Equifax on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.
Complaint sub-issue: Investigation took more than 30 days

I have disputed this collection account numerous of times with Enhanced recovery company XXXX XXXX XXXX XXXX XXXX. This company deletes the account just to add it back months/years later after not sending validation of the debt from the previous times it was disputed. Its getting a bit frustrating having to deal with this company after they have failed to validate this debt and ignoring your letters
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i ave many inquiries n my reports all 3 that i do not recognize and want them removed, but the Bureaus refuse to remove them
Complaint sub-issue: Debt is not yours

I moved from XXXX XXXX XXXX in XXXX XXXX I contacted XXXX with VERY LIMITED STAFF finally got through to cancel my service effective XX/XX/XXXX. I had NO BALANCE AT THAT TIME. I will attach a copy of the lease for the place that we moved to at XXXX XXXX XXXX You need to contact the owner XXXX - the account was to DEFAULT back to him and he didnt rent for many months because I still have contact with him. THE OWNER IS RESPONSIBLE. PLEASE STOP ILLEGALLY PUTTING FALSE NEGATIVE BILLS ON EVERYONES ACCOUNT>>>> FIX IT >>>>> IMMEDIATELY!
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2021 I applied for a car loan. I was approved for the loan, but with an interest rate of 9.4 %. They said the reason for the high interest rate was because the credit reporting agency that they went through, which was Equifax, showed my credit score was only XXXX. I have an account with Equifax and when I check my score it says it is XXXX. I did not purchase the car.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

inaccurate information showing
Complaint sub-issue: Problem during payment process

XXXX has been non-compliant with removing the unverified account CONN CREDIT CORP which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CONN CREDIT CORP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.