Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was XXXX points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped XXXX points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped XXXX points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the XXXX point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the XXXX points even if XXXX fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The XXXX point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.
Complaint sub-issue: Reporting company used your report improperly

Th

e Credit bureaus stated my accounts were 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 reported? In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please apply these laws to account : 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 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 or 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.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b - Acquisition of location information does not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Also, the Credit Bureaus took more than 30 Days to complete my investigation ALL dispute letters were sent by Certified Mail
Complaint sub-issue: Problem getting my free annual report

Equifax - XXXX submitted my-Name-address, current and previous-date of birth-ss # Equifax than presented me with XXXX multiple choice, " verification '' questions, none of which had anything to do with me. 
Clicking the " submit '' button routed me to an error message, saying I had to XXXX snail XXXX mail them copies of my IDs if I wanted my ( once yearly XXXX credit report. 
When I pay for my credit report, I only need a name and a ss #.
Complaint sub-issue: Investigation took more than 30 days

Upon disputing this record, EQUIFAX failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX v. XXXX XXXX XXXX , XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance.
Complaint sub-issue: Didn't receive enough information to verify debt

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Equifax on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is nowXX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent out letters disputing accounts on my credit profile to all three credit bureaus Equifax, XXXX and XXXX. I have yet to be notified of my investigation status. I disputed misleading accounts on my credit report because they weren't my accounts. I feel as if I am being taken advantage of during this process from these three bureaus. This process has also given me lots of XXXX and I want to move on. I even sent a DEMAND TO COMPLY letter and still haven't heard anything. According the FCRA bureaus have 30 days to reply to any letters and they have failed to do so.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear wise.com is a wire transfer company. 
I tryed to send payment transfer and the company ( wise.com ) canceled the payment and charge my credit card with the amount of ( {$300.00} ), I asked my bank many times and they inform that wise.com never refund this payment to you. 


Please resolve this issue because I been waiting since more than ( 60 ) days to recieve this amount back to my account. 


Visa card end with ( XXXX ) Amount ( {$300.00} ) Date of payment : XX/XX/2021 Attached company reciept. 

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

I have contacted Equifax several times in response to information being reported wrong on my credit report. Equifax has had two major data security breaches and its unbelievable that they have made it extremely difficult to dispute inaccuracies and follow the law and investigate disputes according to the FCRA. Equifax is in direct violation of the Fair Credit Reporting Act ( FCRA ) as they have not responded, nor investigated these accounts. These accounts are unverified and should be removed immediately per the FRCA. The accounts are below : 1. XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
2. XXXX XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
3.XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
4. XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
These accounts are unverified and I will need proof as to verify these accounts and investigation that should take place according to the Fair Credit Reporting Act. 
5.XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX. Unverified Account 6.XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX. Unverified Account The following credit inquiries are unauthorized and should be investigated and removed immediately. I have a fraud alert on my credit profile and never received a call to make sure these credit inquiries were authorized. The unauthorized credit inquiries are below : XXXX XXXX XXXX-Dates : 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-Date : XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX XXXX-Date : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX-Date : XXXX XXXX, XXXX, XXXX XXXX, XXXX Please investigate and delete these inquires immediately as they are unauthorized credit inquiries. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed this account and 2 agencies removed it. However Equifax did not and it has severely impacted my credit. 
This account was never mine. I didn't live in XXXX at the time or at the address of the account ever and it is an electric company in the state of XXXX. 
Date of first delinquency is XX/XX/XXXX ( with the collection company, not original debtor who couldn't put it on my credit report. ) Date opened XX/XX/XXXX I have lived in XXXX  since XXXX. 
The original creditor removed it when I proved years ago it was not my debt. 
They sold it to XXXX who continued to harass me for years and on XXXX put it on my credit report. 



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

i disputed, via certified mail, inaccurate information XXXX XXXX XXXX was reporting to the credit bureaus, as per the FCRA. I also called XXXX XXXX XXXX twice about this concern. The account is showing as Charged off/in collection when this is in fact not the correct information. My dispute came back as verified which is a blatant lie and against my rights under the FCRA. I am requesting that this account be removed from my credit report due to the companies failure to correct inaccuracies correctly as per the FCRA.
Complaint sub-issue: Debt is not yours

This company is reporting an account that is not mine. They have failed to proof that their is a legal binding or contractual obligation to pay this debt. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from THIRD PARTIES. I do not recall giving permission to LJ ROSS ASSOCIATES, for them to release my medical information to a third party, I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore I demand that you cease and desist your illegal reporting of this account and have it deleted from my report as soon as possible. 

Here are the laws violated : XXXX. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Complaint sub-issue: Attempted to collect wrong amount

In XXXX of XXXX we ordered four XXXX from XXXX. We were instructed to wait until all of the phones arrived before we go and activate them. The first three phones arrive and then the last phone never arrives. We reach out to XXXX to see where our fourth phone is located so we can proceed in activating them and are in instructed that our account has been locked for fraudulent account activity since we haven't activated the phones. Mind you, we were following the instruction of the XXXX associate. We finally receive the fourth phone in mid XX/XX/XXXX and proceed to the store to get the phones activated. We then find out that our numbers will not port into their system ( which should have been a step the XXXX associate confirmed before any phone ordering happened ) and determine that we are no longer interested in XXXX service. We work with the XXXX store manager to receive a full refund of all of our charges since none of the phones were used and were returned in unopened boxes. I have all of the receipts that show this credit. I assume everything is in good order and receive no further communication from XXXX. Fast forward to XX/XX/XXXX, I receive a bill from XXXX claiming I owe roughly $ XXXX when I have returned every phone and have all of the receipts indicating my account has been credited in full. I have been working with a customer service associate at XXXX and she has continually confirmed that this balance is not accurate and I in fact do not owe anything to XXXX. I can also provide documents of all of that communication. I appreciate your attention to this matter.
Complaint sub-issue: Can't close your account

Never heard of XXXX XXXX XXXX. Got a statement for {$0.00} in the mail today with a {$24000.00} credit limit. They say the account has been opened since 1989. They don't show any users or company owners listed but they will not cancel the card. There is no balance, no users, and no cards. They want personal information such as SS # and birthdays, etc. to add someone to the account in order to close it ...
Complaint sub-issue: Information is not mine

Everything on my credit report is not me. Someone keeps getting loans and mortgages out on my credit and I do n't know how to stop them so I can actually use my credit MYSELF.
Complaint sub-issue: Old information reappears or never goes away

There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly XXXX  has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you XXXX XXXX
Complaint sub-issue: Account information incorrect

i got a personal loan, with discover personal loans, i maid my payments every month on time, even befored the do date, im a person that likes to paid correctly, my debts to credit companies, and i dont see why, the credit card companies never report the correct information to, the 3 major credit bureaus, every month correctly, because, reporting to them that we have a balance, when we dont have a balance, now that damages our credit score, because credit bureaus, use this information to drop down our credit score, this means that our credit score never gets better, and unfortunatelly us consumers we need a good credit score to survive in this country, but, with the credit card companies reporting the wrong information to credit bureaus, it doesnt help, now when i contact them, they allways are full of excuses, or send the problem to the credit bureaus, that means a dispute that could been fix, with the credit card company to begin with, because a dispute with the 3 major credits bureaus, is dificult to get fix, takes longer and, they allways drop the case, saying that there is nothing that they can fix, or send us back to the credit card company, truly, there is no win the situation, and us consumers we take the hit, looking to our credit to drop bad, and thats my complain
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past few months, I have submitted several disputes to the major credit reporting agencies, XXXX, Equifax, XXXX and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, Equifax received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from Equifax. 

I want to file a formal dispute against XXXX, Equifax, XXXX   and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX Discharged XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from my credit reports.
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/18 I saw 2 charges to my credit card, one for XXXX and one for XXXX that I had no clue what they were for. There was a phone number with the charge and I called and was told I had made a trial purchase and had 14 days to cancel the trial or be charged the above amounts. I told the merchant I had not made this trial purchase and had not agreed to thus and asked them to cancel this and refund me my money. They refused to refund me but did cancel future purchases. The company that did this was XXXXXXXX XXXX  XXXX. 

I also filed a dispute with my credit card ( citi bank ) and sent in 2 different responses. They allowed the charge and did not support the fact I was wrongly charged. I plan to close the credit card and hope this will not affect my credit. I have not did this yet as I am trying to resolve this first. 

The reason my credit card is stating they allowed the charge is that I did not cancel the order until after I was charged. This makes no sense as I can not cancel something I knew nothing about and had not authorized. 

I had ordered something from the company but my order had no strings attached to it but they claim it did. i have my invoice, my packing slip and nothing shows that I would be charged. 

I am asking for your help with this dispute and also help in ensuring as I close this credit card it does not affect my credit.
Complaint sub-issue: Account status incorrect

The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP insurance that I took out when I purchased the vehicle. XXXX has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.
Complaint sub-issue: Information belongs to someone else

CITICARDS CBNA - XXXX is an authorized user account that needs to be removed from my credit report.
Complaint sub-issue: Frequent or repeated calls

For 3 years Allied Interstate has been calling for an unknown person to me, XXXX XXXX, and will not stop with the calls no matter how many times they have been told to remove our phone number. Speaking to a supervisor does not help either. I am told they are sorry and will stopand then the calls happen again and again every day, several times a day, morning or night. They are making our lives a living hell even with a answering machine.
Complaint sub-issue: Other problem getting your report or credit score

I am attempting to sign up for the Equifax Data Breach and free credit protection. The web site is always down and the phone number they provide is always busy so you can not get through to them. I tried to enroll and then the site went down so there is no way to confirm whether I am actually enrolled in the system. This is a disaster.