Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

Years ago, 23 years ago to be exact, I had a Discover card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called Discover numerous times and they told me that they would take care of it. Recently, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in 2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from XXXX XXXX   ( validation information regarding the judgment ) which they never sent me.
Complaint sub-issue: Account information incorrect

On my Ally Finance ( my auto loan ) i have 2 recent late payments on my credit report, on XXXX on XXXX I went to the XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX trying to trade in my car for another Car, I was able to trade in my current car ( ally auto loan ) and get a new car, during the time the Dealership wasnt able to approve me for the new Car loan and they took Over 2 months trying to get the deal closed and never happened they even renew me the paper plate and still werent unable to get my deal approved and closed. So they end up giving me back my car and I gave them their car back, obviously when I got my car back it got me behind on 2 payments since I did not had my car and the dealership had it and they were supposed to take care of the car and payoff so I could get the other deal closed. So basically that late payments that reflects on my Current Auto loan with Ally finance is not and was  never intentionally to be late. I spoke to the dealership and asked them to fix this on my credit because is hurting me score very bad and said they had nothing to do with it and did not took responsibility of their irresponsible act they had of 2 moths. 

On XX/XX/XXXX I have another late payment on my current auto loan, I went to a dealership called XXXX XXXX XXXX XXXX located in XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX. I went to this dealership trying to trade in my car since I really needed a Family car, I was able to trade in my car and get a new Car, during this time the finance department were trying to get my loan approved mean while my payment of the car I trade in was due, when I spoke to them and asked based on my previous experience they told me we are going to pay your trade in car you dont have to worry you are going to be approved for the new auto loan so I stayed with the new car and they kept my trade in car. This situation happened as my previous experience with the other dealership, they never paid my  trade in car and I was not approved for the new car. I again had to give them their car and take my car back obviously again with a late payment past due and new payment due. This situation affected my credit score bad that I lost 46 point because they kept on running my credit trying to get a bank to approved me and not only that, now those late payments are reflected on my credit and its hurting my situation at this moment. The dealers need to be more conscience Of due to wanting to sell cars so bad, they have no idea how much it hurts peoples credits
when they do this type of actions.

Ive been trying to fix my credit so bad, I been working on my credits spending money to work on my credit and out of nowhere the dealers dont care and they ran your credit with lots of bank, hurting peoples credits of up to 40 points not really carrying about peoples struggles.

I have spoken to the dealers so they can resolve my problems and they just dont want to take responsibility of their actions.

I really need help trying to get this 2 last late payments removed from my credit.
Complaint sub-issue: Public record information inaccurate

Equifax, XXXX and XXXX continue to report that I have 2 dismissed XXXX XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a XXXX XXXX  wage plan. Reporting that I have dismissed XXXX XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.
Complaint sub-issue: Personal information incorrect

They will not update my address to my current address and remove the incorrect addresses from my reports.
Complaint sub-issue: Report improperly shared by CRC

I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called XXXX. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Upon checking my most recent credit report, I noticed that you are continuously reporting accounts with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Equifax with regards to this issue and I have not received any response from them until this date.
Complaint sub-issue: Account information incorrect

I have repeatedly disputed inaccuracies with an account named XXXX XXXX on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can not be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to  any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted equifax in   XX/XX/XXXX   in regards to   XXXX   XXXX   XXXX   XXXX    and their deceptive tactics, practices, and acts which violates the laws of the federal trade commissions of fair debt collection practices acts of which debt collections agencies have to comply with in the united states.       XXXX   XXXX   XXXX   XXXX   have  XXXX  accounts reporting for the amounts of  XXXX ,  XXXX ,  XXXX  of the hospital   XXXX   XXXX   XXXX   XXXX    reporting from the following dates of   XX/XX/XXXX   on all  XXXX  amounts.     There w as  XXXX  in surance policies to cover medical expenses due too the vehicle crashes of which in both instances i was the victim not the driver of either vehicle in both crashes.     The hospital failed to correctly bill the insurances of both drivers in   XXXX  differenent vehicle crashes along with the  XXXX  insurance grants from the progra m called  XXXX  which is an acronym for   XXXX   XXXX   XXXX   XXXX  . My attorney was contacted directly in regards to all medical bills and the attorneys complied with federal laws but not   XXXX   XXXX   XXXX   XXXX  .     The Account   XXXX   XXXX   XXXX   XXXX   is based in florida last known address is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   florida  XXXX  last known phone number is  XXXX . Their deceptive acts and practices are mind blowing and staggering as a junk debt collector which is evasive and deceptive in its communications, tactics, and acts which is why i am reporting them to the federal trade commission in order to have their license taken to do business under any other name or structure financially within the united states.
Complaint sub-issue: Debt was result of identity theft

Despite the multiple previous written requests, the unverified collections listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX ( Original Creditor : 11 XXXX  ) XXXX Balance : {$1100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Equifax is reporting in correct information on my credit report.
Complaint sub-issue: Debt is not mine

ORIGINAL DEBTOR XXXX 2 ) ORIGINAL DEBTOR SOLD XXXX. 3 ) TEXAS STATUE OF LIMITATION IS 4YS. DEBT IS OVER LIMITE. 4 ) SOLD TO NAR INC XXXX XXXX XXXX XXXX , XXXX XXXX XXXX.
Complaint sub-issue: Charged too much interest

I have a Citi Bank credit card for which I paid the balance in full. Under the terms of the credit card agreement, as well as the standard for most other credit cards, when the balance is paid in full, no interest is charged. Instead, I received a bill charging only interest, no purchases. The charge was for interest in the amount of {$38.00}, which seems excessive especially in light of the fact that the balance was XXXX. I chatted online with a representative who said he could n't help me, but would have a manager call me back within XXXX hours. No one called. The problem was still unresolved. So, I chatted again online the next day with another representative who was unwilling to help, but promised he would have a manager call. This was about 4 days ago, and still no one has called me back, and the charge is still on my account. I completely dispute this charge and do not want to be forced to pay an improper charge with the threat that my credit is going to be detrimentally affected.
Complaint sub-issue: Was not notified of investigation status or results

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATION/NELN XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Complaint sub-issue: Don't want a card provided by your employer or the government

Received a US BANK RELIACARD which is suspicious. Did not ask for it or asked for unemployment benefit from PA. We don't even live in PA. This is a scam or fraudulent activity. Tried calling US BANK Reliacard but never was able to talk to a live person. Please mark them as Scam US BANK RELIACARD
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX I've received a letter from I.C Systems INC. stating that there is a debt collector trying to collect a debt from me in the amount of {$1500.00}. After doing some research to see if there are licensed in my state of Florida. I.C Systems are not licensed in the state of Florida. 

According to the FCCPA If the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation, which in this instance is each call or contact by a non-licensed debt collector. It is recommended at this point to contact an attorney who regularly handles these types of claims against debt collectors. 

I filed a complaint with Florida 's Office of Financial Regulation and with Florida 's attorney general to take legal action.
Complaint sub-issue: Their investigation did not fix an error on your report

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possibleXXXX For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

HOW CREDIT LIMIT DECREASES ARE HANDLED : This is an abusive practice committed by most credit card companies that calls for government regulation. Discover Bank decided to decrease my credit limit to my current balance on  XXXX   XXXX , while I was on vacation. They sent a letter to my home, which takes days to arrive. They made no effort to email, text or call me - methods that would actually notify me in a timely manner. I continued to use my card, as I was unaware of the change in credit limit, and Discover continued to approve my purchases. I learned about the changed limit when my card was declined on  XXXX   XXXX , a stupid way to inform your customers but better than a letter mailed snail-mail to home - I wo n't get that until I finish my vacation. They listed my account as overdrawn, said when I called to complain that they  may h ave already reported my account as overdrawn to credit bureaus and the representative would n't do anything about that, and I am still subject to penalty APRs and harmful credit reports should they decide to do so at a later date.     Note that there is NO REASONABLE WAY to have avoided this, as  Discover  did nothing to contact me other than send me snail mail or wait for me to log into my account, which I do n't do every day. Additionally, I will have to pay the last 4 days of charges which are now listed as " overlimit '' amounts, essentially forcing me to use cash to cover these transactions I wanted covered on credit.     Needed regulation from CFPB :   1 ) Credit line decreases should require repeated attempts to contact the cardholder by all available means. Snail mail is not sufficient.
2 ) Any charges above the new limit which are approved after the new credit line is set should automatically raise the credit limit to the amount approved, rather than being considered " overlimit. '' 3 ) Any a  pproved charges within a time period after the change ( say, 1 month ) causing the balance to rise above the new limit but below the previous limit should not cause the account to be listed as overdrawn with any company or credit bureau, including the issuer.      Stretch goal : Credit card companies should not be able to drop credit limits without warning. People rely on their credit limits as available funds when planning their lives. They may be on vacation, expecting to use that amount for emergencies, or even to get home. Credit card companies should have to consider credit limits as already borrowed and thus should n't be able to drop limits without sufficient warning, say a full billing cycle. This allows people to plan and not be left high and dry with a sudden limit decrease. While credit card companies may howl that this will induce some people to max out their cards and expose the company to more risk,  which is true, this should be seen as a normal credit risk of issuing credit cards. Consider the money already loaned when a credit limit was originally approved.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018, I sent Equifax several letters requesting that send me the results of an investigation, they completed involving inaccurate on my credit file. One response they sent back stated that the " Public Record was not reporting ''. The unauthorized inquires they stated they were " accurate '' and if I believed them not to be then I needed to contact the creditor. 1. I never received the information on how they verified as requested. Then I noticed that the public record was re-added to my file without notification. This is a clear violation of the FCRA and a blatant disregard for the law. I would like my file to updated and negative items be removed within 15 days.
Complaint sub-issue: Their investigation did not fix an error on your report

I uploaded a letter to XXXX, Equifax and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance {$6400.00} Date Opened : XX/XX/XXXX XXXX XXXX-Balance {$13000.00} XXXX XXXX-Balance {$2200.00} Date Opened : XX/XX/XXXX