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

My personal information was stolen according to a letter from the Equifax and XXXX XXXX XXXX XXXX. Because these two companies had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Complaint sub-issue: Account information incorrect

( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.
Complaint sub-issue: Contacted your employer

Sallie Mae debt collector called my work at XXXX on Tuesday, XX/XX/2019 leaving a message stating " it is really important that you call her back. She will be there until XXXX XXXX '' The same person called my husband leaving a message on his phone stating the same thing. He suffers from XXXX from serving in the XXXX for 11 years and does not handle stress at all. This just added to his issues. I am enrolled in the XXXX XXXX XXXX program and have been making all of my payments since beginning. I can not have them call my work. I can not have them call my husband.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint against XXXX XXXX reporting an unauthorized hard inquiry on my credit report. i received their response that they sent a request to the credit bureaus to remove that hard inquiry. BUT ACTUALLY XXXX XXXX sent a notification to Equifax asking them to remove my XXXX XXXX account instead of removing the hard inquiry. i called Equifax and they referred me to XXXX XXXX. Capital One was unable to handle this case, wasted a working full day on phone communications.
Complaint sub-issue: Not given enough info to verify debt

I reached out to MARS collection, to verify a colection that was reported on my credit the information below in order to verify debt. I recieved an email missing half of the information and was addressed to another party. I would mars to properly verify debt according to texas laws. 
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

In XX/XX/2022 I moved out of XXXX at XXXX XXXX. I left in good standing. When leaving I asked the manager to do a walkthrough, she said it wasnt necessary and told me to leave the keys at the office with my forwarding address. I did. Havent heard from them since moving. Received a notification on my XXXX XXXX  saying there was a collections report filed by them. The next day I contacted both the manager and regional manager and received no information. When calling the collection agency they said I owed XXXX due to damages. Never got my security deposit back and did not receive any phone calls letters or emails from residence at XXXX XXXX saying I had a balance.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased two tickets with XXXX last XXXX to fly on XXXX XXXX but last XXXX I got an email from XXXX telling me that they filed for Bankruptcy so my flight was cancelled and because I purchased before XXXX I wo n't get the money back. So I contacted Citibank to dispute the charges and they removed the charges momentarily but last week Citibank put the charges back even after I sent all the information and letters sent by XXXX and XXXX.
Complaint sub-issue: Personal information incorrect

On XXXX XXXX/2022 this issued was removed from my credit by XXXX XXXX the remarks were removed after a dispute was filed with Equifax .After calling to discuss a account that was fraudulently being connected to my SS #. The old remarks were once again attacking my score and causing it to drop 31 points. I find this very alarming to think that they could falsely attack a persons credit score by using such tactic. The address they have are wrong and don't match with the dates of residents.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act, XXXX 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 has violated my rights. 15 u.s.c 1681 section 602 a : states I have the right to privacy. 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Complaint sub-issue: Information belongs to someone else

I have made several attempts to rectify this matter with XXXX XXXX XXXX   and Equifax. I have notified XXXX XXXX XXXX and Equifax that this account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had this XXXX XXXX card a while ago by XXXX XXXX. I ran into some personal problems and my account got closed. Some time later I paid a settlement sometime in 2018 and yet this is still appearing on my credit report. This is inaccurate and any help getting this resolved would be greatly appreciated
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax seems to be manufacturing a pattern of declining FICO scores as a result of me filing complaints with CFPB about their actions over the past month and a half. Over the past year, my credit score has gone up as a result of me cleaning up my credit report with the XXXX primary firms in the business ( Equifax, XXXX and XXXX ). My credit score with these XXXX was in the low XXXX 's. In early XXXX, my Equifax FICO score was XXXX, thereafter. since I complained to the CFPB for them " adjusting their FICO recipe ''. Additionally, I filed complaints with XXXX XXXX and Equifax. XXXX XXXX tells me that they utilize Equifax 's algorithm. 

After I filed complaints with CFPB about XXXX and Equifax, my equifax score dropped almost 100 points. My XXXX and XXXX scores surpassed XXXX during this timeframe. Equifax 's reasons for the XXXX point drop were listed as their changing the recipe of their algorithm, and another XXXX point drop when I paid off a loan and the account was closed. It was a credit builder loan that was paid as agreed and it was closed at the end of the term. 

There is no logical reason why this is happening. I have taken screen shots of these declining FICO scores and am unable to download them with this complaint. Perhaps, you can give me an email address to send them to.
Complaint sub-issue: Having problems with customer service

Discover Student Loans reported in error to XXXX and XXXX that my account was in bankruptcy. I have never filed for bankruptcy. Due to their mistake, I am at the risk of being disqualified for home mortgage, despite my credit score that exceeds XXXX. When I called Discover Student Loans about this, and requested that they write a letter clearly stating their credit reporting error, which my mortgage lender requested to process my pre-approval, I was told that they do n't have a form letter approved by their legal department to write such a letter. They instead sent a letter that simply states the status of my current loan and terms. That is not what I needed or what my mortgage lender asked for. In the meantime, we sold our house and need to move out in a month. We wo n't be able to make an offer to purchase our next house unless this credit error gets resolved immediately.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Complaint sub-issue: Information belongs to someone else

law offices XXXX showing on XXXX FTC violations
Complaint sub-issue: Their investigation did not fix an error on your report

This company is reporting an account that there is no name listed for the company and that it's not listed by any of the other bureaus. I have submitted a complaint to Equifax directly and it came back verified. This is an FCRA violation of complete, whole and accurate reporting mandates.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX has closed out an account that was last reported on XX/XX/XXXX, with a close out date for XX/XX/XXXX. XXXX of XXXX, I reviewed my latest consumer report and its reporting as a repossession. 
I am aware that any transactions between a consumer and a creditor should not be furnished on a consumer report. I also did not give XXXX XXXX nor Equifax, XXXX, or XXXX  consent to furnish this negative account on my report. I also was not given a chance to opt of reporting for this account. As of today XX/XX/XXXX, this is my written consent to opt of credit reporting for this account. Because I am aware that I have all rights to privacy, I will hold whoever knowingly and deceptively falsified negative, non-personal information liable to the extent of what federal law allows. A cease-and-desist letter is attached to this report as well as an FTC complaint. This account should be deleted Immediately.
Complaint sub-issue: Account status

XX/XX/XXXX XXXX XXXX changed from XXXX XXXX to XXXX XXXX. With this change there was a payment issue that I was unaware of which put my account into delinquency. 
XX/XX/XXXX, I moved. With the change over that happened within this window, the Address was not accurate or the phone number. Defaulted to old information somehow. On XXXX XXXX I spoke with XXXX in length. She was able to confirm the errors on XXXX Banks behalf. She also expressed this happened to many people. She waived all late fees, removed all interest charges, and confirmed my inaccurate contact info. 
She updated all reimbursed me for everything, and my account was brought to XXXX balance. She assured me they would send a letter to remove all three negative remarks on my credit. That never happened. I have called since then on XX/XX/XXXX andXX/XX/XXXX as well as today, XX/XX/XXXX. All three times they are able to confirm the notes from XXXX, but are unable to confirm why the request to remove from credit was denied. Today, XXXX confirmed that it was do to several delinquencies. There were XXXX, XXXX from the intital switch, and XXXX in XX/XX/XXXX with the move and inaccurate info- rmation on their end. All of these were an error on the behalf of synchrony due to the switch. Once the error was caught it was immediately rectified on my end and account was brought to XXXX.
Complaint sub-issue: Reporting company used your report improperly

I have noticed some inquiries that I did not consent to, authorize, nor benefit from these. I reached out to try to get these removed with the creditors and the credit bureaus but with no success. Please see the following FTC report I sent to the three bureaus and never received a response.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem with rewards from credit card

XXXX XXXX closed my frequent flyer account stating that the miles I obtained from citi credit cards were fraudulent. I need confirmation that ALL miles earned through CITI credit card accounts in my name were legitimately earned and that XXXX XXXX did not have reason to close my account due to XXXX XXXX  miles activity of my CITI cards.
Complaint sub-issue: Public record information inaccurate

on XX/XX/2022 I have sent certified letters to Equifax, XXXX and XXXX regarding my bankruptcy information which was obtained from the U.S. Bankruptcy Court that has violated federal and New Jersey privacy laws. I have obtained a copy of my credit report that clearly shows that all three credit bureaus have different information and different filing dates. I have received correspondence from The U.S. Bankruptcy Court that they do not report or provide information to credit bureaus or agencies. I have sent to the 3 Credit Bureaus an Affidavit of Fact that my private court records have been violated.
Complaint sub-issue: Threatened to sue you for very old debt

I had a private student loan from XX/XX/XXXX for 3-4K and have had no contact nor received anything from this company Citibank Student loans since XX/XX/XXXX-XX/XX/XXXX.  This collection agency claims that now my balance it XXXX and because it was charged off in XX/XX/XXXX that they can still report this to my credit agency even though it is past 7-10 years. I was willing to work with them so long as they remove it from my credit report but they say the time starts again in XX/XX/XXXX since Citybank charged it off.
Complaint sub-issue: Billing problem

Ally bank sent me a check for XXXX so I cashed the check where I cashed it at called saying it came back and I owe fees for it being returned this place didnt contact me to tell me they canceled this check which is wrong!
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

XXXX XXXX XXXX, As Servicer XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom it May Concern, I am in receipt of US Banks Demand Notice dated XXXX XXXX XXXX. US Bank claims that {$550.00} is owed and you threaten legal remedies if payment is not made. 
I understand that the money is for traffic tickets and surcharges. These charges were only made after the lease was finished. 
As I have stated before, in written correspondence, all tickets that I received were paid promptly. The tickets were first sent to US Bank and then forwarded to me by US Bank. I repeat, all tickets that were forwarded to me were paid promptly. US bank certainly did not get a second notice as the tickets were paid promptly. At no time was I informed that a ticket was unpaid. 
At this point, US Bank is unjustly and in a threatening manner trying to extort money. Please stop this harassment.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Ive included in past statements, however it renders mentioning again that my license and SS card were in my wallet when it was stolen. This was documented in the original police report I filed shortly after my wallet went missing. It explains why my address may be on some, if not all the purchases. I was also made aware of fraudulent credit card applications being made in my name with my SS number. I completely understand needing to investigate, thoroughly, because thats exactly what I have done on my end. However, it does not appear that Discover has properly investigated. These charges NEVER should have been approved with as much incorrect spelling and the inconsistent email addresses and phone numbers used. It should have been a red flag for Discover, yet theyre the ones that permitted over {$1700.00} in fraudulent transactions. I never received any requests to approve or deny these transactions. I notified Discover that my card was missing when I filed the police report and from there responsibility and negligence fall on Discover, NOT ME!
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. I have enclosed and Identity theft report and letter citing all the fraudulent accounts on my credit report. Under 15 USC 1681c-2, I demand you to Blocked and Removed these items on my consumer report.