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

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Paid Account/Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Complaint sub-issue: Company closed your account

I complained about fraudulent charges on my u.s. bank XXXX and the account was rudely closed.
Complaint sub-issue: Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/2015 Amount : {$1600.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

Hello, On XXXX of XXXX, I received a promotion letter from Citibank where if i deposit XXXX, i'll receive a 300 bonus promotion. I have called several times and each Citibank representative states that i should have received it by now. Last time, i called to complain about this on XXXX XXXX XXXX, i received a customer complaint order # XXXX and I was told it should be resolved before 5 business days. It's passed 5 business days and still i have not heard from Citibank. Please help resolve this issue. Thank you! and Happy XXXX XXXX! 
XXXX
Complaint sub-issue: Information is not mine

I believe there is a mistake with my credit report. There is an open collection account from XXXX ( XXXX XXXX XXXX XXXX ) that was started on XX/XX/XXXX to XX/XX/XXXX. It is now managed by an agency called XXXX. It says I owe {$680.00}. One reason this is impossible is that at the start of this debt, I was only XXXX years old. I was but only a XXXX at high school. I do not recall ever being a patient at XXXX. I have never heard of this place until I opened an account in XXXX.
Complaint sub-issue: Attempted to collect wrong amount

I received a letter from ERC that they wanted to settle my debt. I called them with a financial  Counselor on the line with me. The Manager   XXXX  told us if I paid the {$140.00} of the {$290.00} owed that I would receive a letter stating I 'm was settled with a  XXXX  balance. I requested to have this letter of intent ahead of time but  XXXX  said he could not but that the call was being monitored and he could not lie. I said I know companies sa y one t hing and change later. He said no he could not do that he gave me his number and Extention. I was told to have faith in people! I made the payment same day Thur  XXXX . It posted next day. I was told to call Monday  XXXX  for my letter. I called  XXXX  for my letter. I was told my letter woul not say a  XXXX  balance. I told them everything the Man.  XXXX  told me and They told me i was n't making any sense. They refused to listen to the recording. The letter that was sent specially says this debt was not paid in full. Instead of the  XXXX  balance I was told it would.
Complaint sub-issue: Investigation took too long

Equifax has fail to provide accurate and timely results on negative and unverifiable information on my report.
Complaint sub-issue: Didn't receive enough information to verify debt

Reporting a XXXX XXXX  account under my informstion This account is mot mine
Complaint sub-issue: Information belongs to someone else

XXXX & XXXX XXXX reported me to the credit bureau saying I owe a medical bill. I never went to XXXX XXXX XXXX ever. I sent them a debt validation letter via certified mail and the never responded.
Complaint sub-issue: Information belongs to someone else

I saw checking my credit report and I saw that my credit score is very low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this
Complaint sub-issue: Right to dispute notice not received

Was in the process of looking for housing and did not even know there was a judgement on the account. I only found out because I wanted to get pre-approved and the mortgage loan officer informed me. If I had not run the credit report, I never would have known there were XXXX judgments with a substantial amount of debt on them. In this complaint, I will be addressing XXXX bank, Citibank. 

Citibank cost me and my family greatly since we were unable to secure the desired housing we sought after. Not only that, My wife ( XXXX ) XXXX at the time and myself lost XXXX of dollars because we were unable to afford proper housing due to the recent judgment. When making several attempts [ to correct the issue ] with the associated debt collectors, no one helped, As a matter of fact, on various occasions, my wife was yelled at and hung up on when trying to communicate by phone. 

I can not spend hours on the phone trying to convince someone to let me speak about an account that they did not even want to discuss with me. They told me they could not help me unless we could confirm information on the account. Well, why place something as significant as a judgment on someone 's account if you wo n't take the extra step to confirm social security numbers and birth dates? 

Before a creditor of any sort and especially one such as Citibank should not report anything to the credit bureaus unless there are proper actions taken to confirm one 's identity associated with the account that is being reported. 

I did not receive any letter of the accounts. I did not receive any letters or phone calls asking to confirm the information reported. Not one person out of thousands of workers for Citibank contacted us. And when I had to take time out of my working day to try to contact someone, I was faced with an uphill battle dealing with rude and incompetent workers. The management team was just as bad as their lower level workers. 

It has been over a year ( originally found on report XXXX/XXXX/15 ) and the judgment is still there and no one has even tried to call or anything. There has been nothing done about this issue.
Complaint sub-issue: Information belongs to someone else

It appears that my credit has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX 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 Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Complaint sub-issue: Investigation took more than 30 days

i sent out a letter to the 3 credit agencies over 30 days ago and still havent recieved a response and by federal law the agency has 30 days to respond or the account must be deleted.
Complaint sub-issue: Other problem getting your report or credit score

My credit score went down between 54-64 points across all 3 credit bureaus when the U.S. Dept of Education/XXXX reported a remark on my account of Payment Deferred. My account was in good standing and payments made on time. Due to a change in my finances thanks to covid-19, I took advantage of being able to defer my loan payments. Per the CARES Act if I qualified for deferment AND was in good standing, my account would not be negatively impacted, and my account would continue to be reported as current and up to date. Them reporting my account as Payment Deferred dropped my score down to between 718-725. This is unfair.
Complaint sub-issue: Information belongs to someone else

I received my credit report earlier this year via ( XXXX and XXXX ). After reviewing it I realized the inaccuracies being reported under my personal information. After becoming aware of the inaccuracies, I sent a letter to XXXX, Equifax, and XXXX to delete inaccurate names, numbers, and addresses with proof of my correct information ( My Driver 's License [ only correct name and address ] and Social Security Card ) that should be reported via certified mail. I sent the letter XX/XX/2022 and XXXX, XXXX, Equifax they received the letter by or before XX/XX/2022. They received my letter and sent me my credit report on XX/XX/2022 ( Just XXXX ). However Upon further investigation little to nothing was changed. Last month, XX/XX/2022, 7 inaccurate names were being reported and as of XX/XX/2022 only one inaccurate name was deleted leaving 6 inaccurate names while not even reporting my correct name. 

The same thing was done with addresses. XX/XX/2022, XXXX inaccurate addresses were being reported. As of XX/XX/2022, XXXX of the addresses were deleted however they are still continuing to report 2 incorrect addresses. 

As Well as my DOB just being reflected as a year and not a month and date. ( just XXXX ) In Conjunction with that I have falsely placed accounts with Us Dept of Education and Bank Accounts that are not mine each Bureau choose to not delete these incorrect names and addresses and accounts because they are associated with debts that I have already disputed are not mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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: Reporting company used your report improperly

I recently requested the credit bureaus to do a verification of all items reporting for accuracy. They completed the investigation and stated the information was accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

According to XXXX XXXX XXXX B It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

Also I was not notified 21 days before the due date. Law XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. ( Account opened XXXX ) Late payments on XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX. 5 Late payments.
Complaint sub-issue: Information belongs to someone else

On XX/XX/21 I submitted a request to have information reporting illegally on my report removed to no avail. I have sent all required information to the bureaus.. Which included several police reports..Several FTC reports. My Identification.. Social security card and Etc.. I have pleaded with the bureaus to show me how they validated my late payments but they have not responded. I have been sending them the same information since last year. XXXX  continues to report addresses that dont belong to me. I was told several times that they would take them off. Still nothing. This is frustrating because I know my rights are being violated. I have a fraud alert on and it still doesnt help. XXXX  is reporting a fraudulent account ( XXXX  ) on my credit once again and I have provided them proof that Ive never even lived at that address. They wont even validate the account or send me proof of who this account belongs too.
Complaint sub-issue: Information belongs to someone else

I wanted to apply for credit and I was denied. They told me that there was some collections on my account so I went to check my credit and dowloaded my report. I saw some fraudulent accounts on my credit profile and found out that I was a victim of identity theft. I have been trying to contact these companies and the 3 bureaus XXXX, XXXX and Equifax and they have not removed the accounts. Today I have filed a identity theft report with the etc and I will be attaching the report to this online claimXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX need to be deleted immediately.
Complaint sub-issue: Information is missing that should be on the report

I recently got my three credit bureaus report online and after review my credit report there was no score attach to the file and there was a few errors on my credit file as well. I reach out the the credit bureaus about this issue but they were cooperative in helping me resolve these issues on my report. Rather they recommend me to call the creditors myself, in which I did and they told me for all the errors that I saw on my credit file they have reported the correct information to the credit bureaus 60 days ago.
Complaint sub-issue: Debt was result of identity theft

Last XXXX, I applied for a home equity line of credit on my house. The bank ( XXXX ) informed me that I had a collection on my account being reported by XXXX ONLY. It was an collection with " XXXX XXXX XXXX '', and the original creditor was Bank of the West. I called and told the debt collector I have never opened an account with that bank, and they told me the account was opened in XXXX. I live in XXXX  and told them I have only been to XXXX once - 7 years ago when I visited for 3 days for a wedding and I didn't open any accounts or apply for debt. I filed a dispute with XXXX and it was quickly resolved and removed from my credit report. I applied for another mortgage last month with XXXX XXXX, who told me XXXX and XXXX are now reporting this fraudulent collection AND MY CREDIT SCORE DROPPED FROM XXXX TO XXXX. I filed disputes with both XXXX and XXXX and they were both denied. I have worked my entire life for perfect credit, and now this fraud is ruining all my hard work. It's not fair. Please help me, this will cost me lots of money as this new mortgage will now have a rate .5 % higher, due to no fault of my own whatsoever. Thank you!
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX Inquired on XXXX XXXX, 2022
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a hard inquiry on my credit report for XXXX XXXX XXXX dated XX/XX/2018. I have not applied to any credit for XXXX XXXX XXXX. This inquiry is due to stolen identity or other matter not involving me. 

I have reported this problem to Equifax on several occasions and their reply is always that I should contact XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX - MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have sent various letters to XXXX XXXX XXXX at that address above provided by Equifax and the letters get returned to me as not deliverable. See attached copy of letter returned to me by the USPS. I have called the phone number above provided by Equifax for XXXX XXXX XXXX and that number is disconnected. 

The address for XXXX XXXX XXXX in Equifax 's hard inquiry is not a valid address according to the USPS and the phone # is disconnected. 

I have contacted Equifax several times via complaints here and via phone and the reply is always the same one as stated above.

Equifax is therefore providing me with FALSE information about the XXXX XXXX XXXX inquiry. Please have Equifax remove this false XXXX XXXX XXXX hard inquiry from my credit report immediately - this is lowering my credit score!
Complaint sub-issue: Billing problem

Since VW Credit unveiled their " new and improved site '', the site is broken. It crashes constantly and does not allow information to be changed. I have moved, and I wanted to update my address and contact info - when this is done, it displays a " confirmation '' with the updated info but then next time you log in, the old information persists. A total IT disaster. I asked the company for help and they replied with the standard American XXXX " call the service center ''. Not possible to manage account online effectively.
Complaint sub-issue: Frequent or repeated calls

They call me 2-3 times EVERYDAY, they do not tell me who is calling. They just call and hang up after I answer, i receive their calls from XXXX to XXXX consistently waking my family.
Complaint sub-issue: Was not notified of investigation status or results

Equifax has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with XXXX XXXX XXXX or XXXX  XXXX XXXX, XXXX. I do not have a signed contract with the alleged debt collectors. Equifax has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been a victim of credit fraud. I have requested under FDRC act to  obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. Help
Complaint sub-issue: Was not notified of investigation status or results

I have disputed this account but was never notified of the results. I tried to dispute again and its just giving me errors on the system this is not the first time this happens. It happened multiple times with other accounts also.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX ( XXXX XXXX XXXXe I ) original creditor 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: Debt is not yours

This company ignored my validation of debt request, and is continuing to try to collect this debt from me. It is trying to artificially inflate the price of the alleged original debt with interest and fees, in an attempt to collect on an amount greater than what it bought it for. These are a blatant violation of the FDCPA, and this company is in violation of privacy HIPPA laws in regards to breach of security with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Complaint sub-issue: Information belongs to someone else

I have checked 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.
Complaint sub-issue: Debt is not yours

Not my Loan ' and do n't know the person ' they 're asking for
Complaint sub-issue: Information is not mine

I have requested that Equifax remove numerous address from my credit profile. They are not accurate or correct. They still continue to report these addresses. All the addresses they have listed as previous should be deleted and removed they are not accurate
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX account name : XXXX XXXX XXXX # XXXX account name : XXXX # XXXX Account name : XXXX # XXXX Account name : 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 account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contenting 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 then XXXX 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.