Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from Equifax, XXXX and XXXX to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.
Complaint sub-issue: Report improperly shared by CRC

I have filed a complaint four different times and they continue to send the same standard letter saying they find it as a valid inquire, yet the company has told me it was concerned that it was fraud and they cancelled the approved loan. I have tried to upload the fraud form and their system does n't provide for a way to upload this form. This is my personal information and yet they wo n't change my file to reflect the truth. How are these reporting agencies allowed to share a persons personal and financial information to anyone without any regards to the actual consumer, and in turn will not provide any information the actual consumer but instead protect the person committing the fraud.
Complaint sub-issue: Investigation took more than 30 days

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Complaint sub-issue: Information belongs to someone else

reporting error costing me loans fcra violaiton and ftc
Complaint sub-issue: Attempted to collect wrong amount

I experienced a medical emergency from a XXXX incident relating to XXXX XXXX in my XXXX  whereby I visited local emergency room. All necessary insurance information was provide to the hospital emergency room staff during the initial admission to the emergency room. Of all of the entities that provided service to me during that visit, only one source of service providers claimed the hospital gave them no information to bill for their services rendered. All other resources were adequately and accurately billed and subsequently paid according to our insurance provider. After I initially received billing from the source in question in this case, XXXX XXXX XXXX XXXX, informed me that billing errors were routine. Billing errors are not routine as there is a standard of protocol that all medical service providers follow. XXXX XXXX had at one time also stated that the initial billing to the insurer had gone to the wrong insurance company, that it had been submitted under the wrong patient name. As routine, hospitals and subsequent medical service groups XXXX the patient ID and insurance card during registration. There should have been no reason this organization would have gotten misinformation all other sources of service that day received correctly from the emergency room who provided services to me during that visit. I have made several phone calls to gather information to provide assistance resolving this matter. It is unclear how all other entities who provided service to me that day had no issue resolving their billing and yet this organization in question were somehow completely left out of the medical billing relating information. I file this complaint because the amount of {$920.00} billed to me was not properly billed by the company and that apparently XXXX XXXX XXXX XXXX failed to verify proper data as required for services rendered.
Complaint sub-issue: Was not notified of investigation status or results

I've been sending letters to Equifax since XXXX and still haven't received responses on the investigation of these accounts.

3 accounts with no creditor 's listed XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have sent letter after letter to no avail. This is a problem since I'm trying to get in a position to get my 1st home. I just want to make sure everything on my report is accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

The last date payment made on this account for XXXX XXXX was XXXX XXXX. It is reporting as a charge off and closed, XXXX ( a ) ( XXXX ) .They placed the account for collection or charged it to profit loss. That is fraud to write it off as a loss then trying to make the consumer pay them. The charge off balance at the time of charge off was {$260.00}. For XXXX it was reporting as {$260.00}. Now the balance is reporting {$440.00}. How can a charge off account balance increase when it is charged off? I have asked for verification and validation of this debt from XXXX XXXX and I have not received anything but the credit bureau stating that the account has been verified and to call XXXX XXXX, which I did and they send me from XXXX person to the other or tell me that the person I need to talk with is not in or to call back later in the week. The XXXX XXXX XXXXXXXX for XXXX XXXX is time barred after XXXXXXXX XXXX have passed. XXXX XXXX 3-530.They are in violations of my rights as a consumer. XXXX. ( XXXX section XXXX ) this is a bearing on my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. XXXX. XXXX The collection of any amount XXXX. XXXX ( XXXX ) ( A ) - the false representation.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I am receiving unsolicited offers in the mail from Citi Bank. I have attempted to resolve this multiple times by opting out of paper statements, adjusting my marketing preferences, and reaching out to their privacy contact line. 

I have registered to opt out of all offers, but they continue to send me mailers. I am exhausted dealing with this creditor and their blatant disregard for my data privacy and communication preferences.
Complaint sub-issue: Card was charged for something you did not purchase with the card

As of XX/XX/2022, Ive been a victim of Identity Theft. Even though I have taken all actions to prevent this person to continue harassing my finances by using credit locks on all 3 Credit bureaus as well as changing my bank information and getting new cards, regardless as of XXXX  XX/XX/XXXX. This individual has been able to access my bank account and withdrew {$500.00} going to a teller in person, handing a scannable and verifiable Fake ID with his face and my info, and has been approved to cash out money from my account by using the fake id and my social security number. 

On XX/XX/XXXX, this individual purchased a {$2500.00} worth of equipment in BEST BUY using my credentials and impersonating me. He tried going to the bank again and the bank notified me due to a security freeze I placed on the account. 

The person is also actively going toXXXX carrier stores with this fake ID and my social to try lock me out of my account and swap sim phone number from my phone to his so he can verify my 2-factor authentication on all my private accounts. I am taking preventive measures and changing my phone but this person still has my social security for the rest of his life
Complaint sub-issue: Account status incorrect

The purpose of this letter is to request an investigation of the inaccurate information reported by XXXX XXXX  XXXX XXXX to Credit Reporting Bureaus XXXX XXXX Equifax XXXX and XXXX. After over 25 telephone calls to the creditor since XXXX XXXX, the creditor has still failed to correct the issue and only continue to ask for more time to investigate the matter. The creditor is reporting a 30 Day Late Payment dated XXXX XXXX XXXX for credit card ending in XXXX. This account was Not Acquired until XXXX XXXX. The credit card account is showing listed with the credit bureaus as Account Number XXXX. The information the creditor is reporting is inaccurate. As for supporting documents, I requested ALL Monthly Statements associated with credit card ending in XXXX / Account Number XXXX. The creditor provided ALL the monthly statements associated to the account. Documents provided for XXXX XXXX to XXXX XXXX. Please see attached documents. In addition, I originally requested all statements and accounts associated with my credit file since XXXX. Via telephone call, I was advised I was not allowed to receive any statements or account information prior to XXXX XXXX which is not associated with credit card /account number ending in XXXX Account Number XXXX. Attached find supporting documents : Equifax Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : XXXX Equifax Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 57 Monthly Statements from Creditor Dated : XXXX XXXX to XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Several accounts on my credit report are fraud opened account. Please look at the attached documents. Equifax will not remove the fraud accounts even though I have provided proof. Please delete this stuff.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. 
They also violated my rights under 15 U.S.C 1681 Section 602A. 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: Old information reappears or never goes away

I have contacted XXXX to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX 9 and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also XXXX keeps reporting XXXX credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these accounts removed from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several letters via certified mail to XXXX XXXX, XXXX, Equifax and XXXX regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from XXXX, Equifax and XXXX. The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on XXXX the last pay listed as XX/XX/XXXX. Same account via Equifax last pay listed as XX/XX/XXXX. And XXXX last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until Equifax updated payment history on XX/XX/XXXX and XXXX on XX/XX/XXXX with 20+ late payments as well as XXXX dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX XXXX XXXX has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on XXXX XXXX  behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding XXXX XXXX is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that XXXX XXXX, XXXX, Equifax and XXXX remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.
Complaint sub-issue: Investigation took more than 30 days

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XX/XX/XXXX and Equifax to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.
Complaint sub-issue: Public record information inaccurate

I have submitted three letters to XXXX XXXX and equifax stating that information on the bankruptcy on my account was incorrect and needs to be removed immediately according to the fair credit reporting act. 

XXXX has removed the inaccurate bankruptcy after my second attempt but not XXXX XXXX nor equifax.
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate erroneous accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXXXXXX XXXX ( collection/charge-off ) claim ; this is a blatant error ... I settled this account before it went into collections, yet the bureaus insist on reporting it wrong ... I have contacted the creditor and the creditor concurred and said it is invalid and should not be on my report ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not  be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Information belongs to someone else

15 u.c.s 1681 section 602 a. states I have the right to privacy 15 u.c.s.1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX Ithink XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Application denied

O n 2 separate dates, Citibank denied reopening a MasterCard  credit. card that was closed.   They stated too long a period had elapsed and I would have to reapply  with s new  app. None of the contract statement states that reopening a card is not possible. My   XXXX   is  XXXX  and my  XXXX  is  XXXX  A.   The Bank rep told me it would take a week to 10 days to get a decision in the mail. The next morning I received a standard letter with generic terms of credit card app denial.     There is no reason or review being made in this decision.   This was my longest card duration of over 20 years.     AAdvantage Card  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , NJ  XXXX
Complaint sub-issue: Debt is not mine

I ran my credit recently and found a fraud debt that does not belong to me. The debt is in collections and is not under my name. I have called several times to dispute this debt in collections and the creditor has not helped me at all. Please help me delete this debt and clear it from my name and social security number.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I received a letter/notice from Unifin regarding a debt owed for {$810.00}. I did NOT have this kind of charge EVER! I am disputing this and will not pay it!
Complaint sub-issue: Information belongs to someone else

I have Been A Victim of Identity. Someone has use my Identity with Out My Consent I did not Authorize anyone to open theses fraud accounts using my personal Information
Complaint sub-issue: Investigation took more than 30 days

I sent dispute on XX/XX/2020 and it has been well over 30 days still with no response showing any results or verification of the disputed items in letter. Letters were sent to credit bureaus XXXX & Equifax for the inaccurate reporting. These items should be corrected and removed. It has caused tremendous problems for me during the pandemic.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Americollect keeps calling about collection accounts even after I told them I requested debt validation. I don't know wha the amounts or accounts are because they have to responded to the debt validation letter yet. I sent them another letter certified mail asking again for debt validation and not to be called anymore until I receive it and have time to review it. They received the letter today and I just got another call from them, about the 5th call today and at least 15 calls over the weekend. This needs to stop its harassment, they need to respond to my request and only contact my mail like requested.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

credit card company : CITI Cards / Best Buy Visa XXXX Acct Number ****** XXXX XXXX XXXX XXXX XXXX ) XXXX The Merchant, XXXX XXXX, retained my credit card information from a prior purchase without my knowledge and charged a " surprise '' an unauthorized transaction to my account on XX/XX/2020 in the amount of XXXX. There was never an agreement or permission for future charges with this company which is about 800 miles from where i live. I have had no reply from the merchant to remove the charges. The credit card company has failed to find favorably on my behalf even though I reported the unauthorized and fraudulent transaction timely and it writing. The Credit Card company has told me on the phone they will resolve it, but then in writing tells me they find me responsible without explanation. The one and only transaction with this company was on XX/XX/2020 in the amount of XXXX which has a signed charge slip that has been notarized. No other transactions have been signed or authorized. The guidelines simply state in matters such as these, the credit card must find favorably for me. Please instruct the credit card company to remove these unauthorized charges from my account without penalty or delay. No request has ever been made from merchant and emails have gone unanswered. 

Additionally, copies requested of all paperwork have not been forwarded to me. As such, dealer and finance company have not properly disclosed regulation Z. 


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

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file. However, there are still accounts that need to be CORRECTED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated in my report. 
XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$9000.00}
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 XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX, XXXX  : XXXX, XXXX  : XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX ( ORIGINAL CREATOR 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 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: Information belongs to someone else

inaccuret information not mine or no knowledge of please remove the items cra and hippa violation sent the po report from XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent letters to consumer reporting agency requesting that they cease the reporting of four accounts noted on my consumer report. Along with that letter, was enclosed supporting letter from the court that acknowledged that the court DO NOT report to the consumer reporting agency. It is clear that the accounts noted on the report did not report that information and that the consumer reporting agency accepted or paid for stolen information on me. The agency claims that the account was verified and will remain on the report. That is either a lie or an error. The agency has failed to release its source of verification and I have not given any company permission to report this private information. The consumer reporting agency has chosen to violate my consumer right to privacy, and report information that is unfair and inequitable. Its reporting has added severe stress and is causing me physical and mental anguish. I am being taken advantage of and it is making me ill.
Complaint sub-issue: Debt was result of identity theft

MY IDENTITY WAS STOLEN WHEN MY WALLET WAS TAKEN. SOMEONE RECEIVED A LOAN IN MY NAME WITHOUT MY KNOWLEDGE