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

I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX   XXXX XXXX Val {$620.00} XXXX XXXX - XXXX   XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX   - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND XXXX {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX  {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. 
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Complaint sub-issue: Their investigation did not fix an error on your report

I was a tenant at XXXX XXXX XXXX, owner XXXX XXXX XXXX XXXX. As can be concurred by many other residents there was a take over by another company with no formal notification from the above company. Prior to the take over on approximately XXXX XXXX it was arranged Verbally with prior management that I would continue renting month by month due to the fact that I was purchasing a house and close to the closing on the property. Because the closing did not come through as projected I asked the present management XXXX XXXX Preserves to extend my time one more month. I was informed someone has already leased the apartment and will be given until the XXXX of XXXX to vacate the premises. I rented a XXXX on XX/XX/2019 and hired a moving company to assist me and hand over the keys to the office on XX/XX/2019 at approximately XXXX - XXXX XXXX. Pictures of the apartment was Also taken as proof. My deposit was retuned. I surmised few months thereafter I received a letter from Hunter Warfield informing me I owe a balance of {$1500.00}. I did not respond immediately thinking that is a mistake. The calls began followed up with letters. I then responded provided proof of refund check an explanation and also asked to remove the negative reporting From my credit but with no avail and absolutely no response. If necessary I can obtain a copy of documents from XXXX
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.
Complaint sub-issue: Account status

I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX XXXX and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to XXXX XXXX XXXX XXXX. Since this account was paid in full in XXXX XXXX, it is MORE THAN 7 years old and the good credit should remain however, on each and every credit report it is duplicated and now in triplicate with XXXX XXXX showing up as well as XXXX. 

I do n't understand why number one an account that is paid in full was sold to an outside collection agency and two why can both XXXX and XXXX funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XXXX XXXX. 

In addition I have a good credit account with XXXX XXXX that was opened in XX/XX/XXXX with a high balance per month due to my work travel in the amount of $ XXXX.I have had to request that this good credit line be put back on my bureau reports in excess of 3 times. I have documentation to this fact if necessary. 

Of course this affects the FICO score because the age of credit is a part of the algorithm. It is a mystery to me how good credit can just fall off but inaccurate credit can be reported XXXX different ways. 

I sincerely appreciate your help in this matter as I can not get resolution from the creditors, the bureaus XXXX, Equifax or XXXX.
Complaint sub-issue: Reporting company used your report improperly

i am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and sagesteam witch shares information with all the major credit reporting agencies. after filing over XXXX ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.
Complaint sub-issue: Didn't receive notice of right to dispute

There are 2 medical collection accounts that were placed on my credit report as of XX/XX/2020. These items were placed on my report without due process ... process to include being notified and given the opportunity to request validation of the alleged debt. 

They allowed me the legal right to request or dispute this information, they just ruined my credit instead. Which is highly embarrassing. I am very distressed that an agency would have included this derogatory information in my credit profile due to its damaging effects.
Complaint sub-issue: Problem with fees

On   XXXX   XXXX   XXXX    , Citibank credit card company sent me a letter stating that their records show that I was previously enrolled in a company program called  Credit Protector  for which Citibank charged me a monthly fee. The letter then states that if I was enrolled in this program without my knowledge ( I wa s ) t hen go to their web site to submit a refund claim. When you go to this web site, it does not let you submit a claim. My reference number is **************** and the  Tracking Number  is  XXXX
Complaint sub-issue: Information belongs to someone else

My personal information was exposed in the XXXX breach and since then fraudulent accounts and inquiries have been showing up on my credit report. 

Pursuant to 15 U.S. Code 1681a definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; MY CONSUMER REPORT CAN NOT INCLUDE TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND ANY PERSON, WITHOUT MY WRITTEN INSTRUCTIONS. MY CONSUMER REPORT ALSO CAN NOT INCLUDE AUTHORIZATION OR APPROVAL OF CREDIT DIRECTLY OR INDIRECTLY. BLOCK AND REMOVE ALL ACCOUNTS AND INQUIRIES MENTIONED IN MY FTC IDENTITY THEFT REPORT. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

ANY ACCOUNT/INQUIRY THAT HAS BEEN PREVIOUSLY INVESTIGATED OR DISPUTED ON MY CONSUMER REPORT AS IT RELATES TO MY CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING WAS NOT OBTAINED THROUGH INTERVIEWS WITH MY NEIGHBORS, FRIENDS, OR ASSOCIATES OF MINE, THE CONSUMER. NO FACTUAL INFFORMATION FROM A CREDITOR SHALL BE INCLUDED ON MY CONSUMER REPORT WHATSOVER.
Complaint sub-issue: Right to dispute notice not received

I pulled my credit report on XXXX XXXX, 2015 after being denied a credit card due to my XXXX score being low as XXXX which is impossible only to find that Procollect who has never sent me anything in writing indicating they even had a debt for me has placed more than XXXX collections items on my credit report repeatedly. Some XXXX and XXXX times the same account. This has cause my score to suffer drastically.
Complaint sub-issue: Company closed your account

I received an email on XX/XX/22 informing me that my account was overdrawn and that I had 15 days to make a payment before my account would be closed. On XX/XX/22 I added funds to the account. On XX/XX/22 I received another email informing me that my account was now closed. I called the number listed for customer service informing each of the representatives that I spoke with that my account was closed even though the email stated that I had 15 days from XX/XX/22 before it would be if I did not add funds. 

No one cared. Everyone reiterated what I had already told them which was that the account was closed. I asked to speak with a manager and was denied and then the representative hung the phone up in my face. Another representative pretended not to hear me anymore and then ended the call. Another representative suggested I go to a branch when there are no branches anywhere near me or open another account, and why would I do that when I feel like Ive just been scammed. 

Clearly this is a level of fraud to tell someone that they have a certain time frame to make a payment and once the payment is made you close the account.
Complaint sub-issue: Account information incorrect

I have sent several disputes to the credit bureaus to update this balance however they refuse to. This balance has been paid off for 3 months now and none of them will update it to the correct balance.
Complaint sub-issue: Reporting company used your report improperly

Im a victim of identity theft. XXXX, XXXX, Equifax and their non affiliated 3rd parties are violating the Fair Credit Reporting Act and the Gramm Leach Bliley Act. They are infringing on my privacy without any lawful consent from me and causing damage to my creditworthiness and reputation. SEE ATTACHMENTS
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please deleted the items as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are multiple inquiries displayed on my personal consumer credit report that I did not authorize. Also my credit score is reflecting incorrectly on my credit report. Timeframe is from XXXX
Complaint sub-issue: Other problem getting your report or credit score

I am still having a very very difficult time with Equifax lowering my credit score now two times once in XXXX of 2022 and now the most recent time in XXXX of 2022 and each time the score dropped XXXX points each with no major changes to credit report. They are not being monitored for their unethical practices and calculations of individuals credit scores. There was nothing in my credit report to drop XXXX points Equifax just pulled a number out of the air and that was the number. This is why Equifax is in the national news for this very same reason about reporting individuals inaccurate credit scores, that I filed a complaint about in XXXX of 2022. The other two credit agencies did not lower my score by XXXX points.
Complaint sub-issue: Account status incorrect

XXXX XXXX is reporting a recent late in XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.
Complaint sub-issue: Other problem

I have a credit of XXXX dollars and I called back in XXXX to have send me a new credit card due to lost well they sent me the same credita card and didnt mail me my credit money instead decided to give my money to another company. when I called they refuse to mail me the full amount of my credit which is XXXX dollars and they claim they will only send me XXXX and XXXX dollars.
Complaint sub-issue: Didn't receive notice of right to dispute

There is a debt at UNited holding group that was sold by XXXX and I need this debt validated or removed.
Complaint sub-issue: Public record information inaccurate

I wrote Equifax twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked Equifax to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. Equifax did not comply with my request. I contacted the Bankruptcy Court, XXXX XXXX XXXX California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious Equifax did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the XXXX XXXX XXXX XXXX inform Equifax that Equifax is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that Equifax delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.
Complaint sub-issue: Personal information incorrect

I have called the 3 credit reporting agencies multiple times, XXXX, Equifax, XXXX  to please correct the personal information on my account. The have not corrected the inaccurate information they are reporting.

I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information.

I called on XXXX, XXXX, XXXX, XXXX.
Complaint sub-issue: Reporting company used your report improperly

1. in accordance with the fair credit reporting act XXXX  account # has violated my rights.

2. 15 u.s.c 1681 section 602 A states i have the right to privacy.

3. 15 u.s.c 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.

4. account # XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I believe that the creditor that has a negative collection on every one of  my credit bureaus has a misunderstanding as to the responsible party to the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX   XXXX  applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.
Complaint sub-issue: Information belongs to someone else

A fraudulent account from XXXX XXXX is reporting on my credit. I did not live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

I have two accounts from key bank on my credit report. Key bank sold the debt to XXXX XXXX XXXX but I just received a response from mercantile that says they havent had the debt since XXXX. Now it appears that key bank is just reporting it on my credit report without just cause to do so. This debt is also from XXXX so it shouldnt be on my report whatsoever. When it was sold to XXXX XXXX XXXX, I was being called and harassed all the time. On top of that, now the debt is just given to someone else? Terrible business practices.
Complaint sub-issue: Account status incorrect

Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.
Complaint sub-issue: Account information incorrect

My XXXX XXXX  card from XXXX  was cancelled by the merchant along with many others as they were going to replace it with an XXXX  card from XXXX XXXX that will arrive in XX/XX/XXXX. Equifax received this notification from XXXX   and Equifax reported this without any reason for the card being canceled My credit score on XXXX XXXX from Equifax went from XXXX on XX/XX/XXXX to XXXX a 134 point change on XX/XX/XXXX. My XXXX score remained the same at XXXX. I filed a dispute with Equifax and with XXXX XXXX. I have spoken with XXXX XXXX and have not heard from anyone .I have had the XXXX XXXX XXXX Card for over 9 years XXXX XXXX # XXXX card # XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

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: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.