Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX  XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, NE XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY
Complaint sub-issue: Didn't receive enough information to verify debt

Called to get understanding of the debt was advise that I JUST NEED TO PAY WHAT I OWE BECAUSE I KNOE I OWR IT! Then when I asked for breakdown of the account advise I should have gotten the letter if I didnt then that my fault! Asked for validation letter but one never came and also asked for move out statement providing proof of amount owed via email and by phone never received it! Also asked for a settlement and was advise THEY DONT DO SETTLEMENTS Procollect is aggressive and abusive and goes against FDCPA Regulations and UDAAP laws
Complaint sub-issue: Problem getting your free annual credit report

I have tried to get my free annual credit report but have not been able to from equifax. when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. XX/XX/XXXX and XX/XX/XXXX also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your credit report.
Complaint sub-issue: Account status incorrect

Consumer credit reports indicated a negative mortgage payment history when there was none. The consumer made 100 % of payments on-time as agreed. XXXX XXXX XXXX reports of {$300000.00} credit balance are inaccurate without necessary calculations for accepting a forthcoming loan modification application.
Complaint sub-issue: Can't use card to make purchases

I have an XXXX XXXX Citi Bank Mastercard. This account is set on autopay and pays the FULL amount off every month. I used the card for some medical bills this month, so knowing i was getting within a XXXX  of my limit, I began paying onto the card as I used it. I paid {$2000.00}, then {$1000.00}, then another {$1000.00}. I am currently several thousand from my limit of {$11000.00} and citbank has decided to lock my account and refuses to allow me to make charges.I have spent over 2 hours on the phone arguing with them over this. I never had any credit card company do this. I hold a credit score above 800, have never had a late payment, and actually have an XXXX card with no limit, but citibank is very argumentative and aggressive towards me when I have tried to resolve this issue. Initially they refused to even tell me why they blocked the account. Then they said it is blocked since I made several payments. XXXX, what the XXXX do they think. If I make several large charges I have to make extra payments. So apparently I am being persecuted for being financially responsible. This is now the third day my account is locked, and I am several thousand away from my limit, with no money due, and no pending charges, and my account is still locked. They are clearly violating fair credit standards in their aggressive actions towards me. 

See attached document that shows : 1. account is prepaid, 2. I have no payment due until XX/XX/2020, a month from now, 3. I am almost 5000 from my credit limit, 4.  Available credit is XXXX proving my account is locked.
Complaint sub-issue: Account status incorrect

I was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX  ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on my credit report.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX I sent Equifax dispute letter by certified mail. In this dispute I requested for Equifax to remove erroneous inaccurate addresses from my Personal Identification records. As a result Equifax deleted on XX/XX/XXXX The following addresses : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. 

As of XX/XX/XXXX Equifax has placed these inaccurate addresses back onto my credit report.
Complaint sub-issue: Reporting company used your report improperly

In fair accordance with the fair credit act XXXX Account # XXXX from XXXX XXXX and also account # XXXX from XXXX XXXX has both 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: Credit inquiries on your report that you don't recognize

I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXXXXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( XXXX, XXXX, and Equifax ) Thank you.
Complaint sub-issue: Debt is not yours

a collection account popped up on my credit report coming from original creditor XXXX XXXX XXXX  in which I went to court for an eviction. I no longer owe this debt
Complaint sub-issue: Account status

I have asked the credit reporting agencies XXXX Equifax to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, XXXX and Equifax are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will some one please help me get this resolved.
Complaint sub-issue: Investigation took more than 30 days

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XXXX day of XX/XX/2018.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Bank # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Company closed your account

My credit score l am a XXXX per discover credit card is XXXX I have used that card and paid them off then just put the card away with a XXXX balance, l had a {$25000.00} loan with lending tree which l paid off in full o balance. I have credit card debt but Never chosen to consolidate the debt because l dont have a problem paying my cards never missed a payment ever yes my balance went up on credit usage but still no missed payments or asked any of my lenders for help. Now this discover Card is just deciding to close my Account. I think l have been discriminated against because of age and being a single woman, shame on discover card in a time like that to do that to anyone. I dont need there credit card at all this is why l have not used that card. But l think this company needs to be reported, probably doing this to lots of poor people.
Complaint sub-issue: Information belongs to someone else

On the XX/XX/XXXX I contacted Equifax regarding another person showing on my credit file with a linked address. They raised a dispute and told me within 28 days this will be resolved. I rang back after 28 days and I was told it will take another 28 days. On the XX/XX/XXXX after me ringing several times and complaining and not hearing anything back I was told this information regarding the other person will be removed within 24hours which happened. On the XX/XX/XXXX I then contacted Equifax regarding a credit application that was made under my name several times explaining it was not me, I was told to contact the company directly. the company did not help so I then rang Equifax again and they put in a dispute and again told me to wait 28 days. After waiting equifax got back to me and told me to contact the company again directly, I felt as though I was being taken for a fool. after bouncing back on fourth between Equifax and the company. On the XX/XX/XXXX I asked to raise a dispute again regarding this company information on my credit file and was told within 21 days I will hear back, on the XX/XX/XXXX I was emailed and told the company has agreed to remove these searches. I then rang back yesterday on the XX/XX/XXXX to ask why this information has not been removed yet and after 60minutes on the phone the lady told me the dispute put in was not even for what I had asked, I asked to speak to a supervisor or manager on several occasions but all the customer service advisors would either put the phone down on me or make  excuses and not put me through. I also put in another dispute on the XX/XX/XXXX as this other person who was showing on my report last year had come back on my credit file. I was told to provide my passport and driving license again even though I had previously supplied all of this and I feel like I was being made a mockery out of constantly over and over again. I have still not heard anything back regarding this dispute and it has been over 28 days now. I have never in my life received such appauling service from a company. I am so unhappy and angry as I feel as though I have been fobbed off and ignored and not received any help at all, instead whenever I have rang to speak to a manager I have been either transferred to another customer service advisor or put the phone down on. I have worked in customer service myself in the past and this is not how a customer gets treated ever! I am paying for this service every month and it feels like it is for nothing. I have explained several times that due to all this rubbish on my credit file it has affected my credit score and it stopping me from applying for certain things that I need but I am not receiving any kind of help.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

my credit limit for best buy card is XXXX now is almost XXXX, i haven't be available to pay cause the pandemia .they have been charging me late fees and reporting missing payments to my credit report.
Complaint sub-issue: Information belongs to someone else

How many dispute letters and CFPB complaints do I have to send to the Credit Reporting Agencies for them to completely remove all the fraudulent information being reported on my Credit File? I have been disputing for the removal of the fraudulent accounts and information from my Credit File for quite a long time already, but the Credit Bureaus do not seem to be paying any attention to my requests! The Credit Bureaus continued reporting the disputed items and claimed to be verified without them sending me copies of proof of verification and or proof of ownership. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. However, in my case, the Credit Bureaus did not only continued reporting the disputed items, they even claimed that the items are verified. Their willful non-compliance with the Federal regulation is a clear violation of a consumer 's rights which is under the protection of the Fare Credit Reporting Act. I am submitting this CFB complaint to appeal to the Credit reporting Agencies to once again, take a deeper look with my Credit File and remove all the disputed fraudulent items completely from my Credit File : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$4000.00} XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

XXXX online opt-out malfunctioning. No other option for online communication availabile ( no help email/messaging ). 

Repeatedly unable to get past improper format message despite answers being a ) from their own drop down menu and b ) correct zip code. See screen shot.
Complaint sub-issue: Company closed your account

I made a payment to my account that did not reflect on my credit. I called the credit card company ( Citi Bank ) and they told me my bank has not processed they payment. I contacted the bank and they said they did process it. In order to expedite to the situation and have access to my funds to make a medical payment I decided to make a manual payment via debit card. Once I made the payment my account was closed and I was told my bank put a stop payment on my account which I was not aware of. Now I am in debt of the account that is now closed, this account is also a secured account.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX XXXX : {$12000.00} ; US DEPT ED XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Attempted to collect wrong amount

I filed a complaint about this company already with this agency and they finally reached out to me on XX/XX/21 with a letter saying the agency contacted them. I spoke with a representative named XXXX who said she will fully process the dispute and that once the dispute is resolved the account and its fees will be closed. The money they filed a debt for isnt money I owe to them since they are just late fees for the disputed amount that I contacted them MULTIPLE phone calls about that they continue to not answer. I called this morning again and they kept passing me along from representative to representative with no information or response to my dispute or questions. Their customer service is absolutely ridiculous which is why I closed my account. I do not owe them anything.
Complaint sub-issue: Information belongs to someone else

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX