Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In XXXX, I noticed my credit score took a plunge. I reviewed my reports and Money Lion reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called MoneyLion and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
4. The following status is Incorrect and unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 8. The followng information is incorect XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 13. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Complaint sub-issue: Account status incorrect

I got a car from XXXX XXXX XXXX and my car was stolen and wrecked. Before the car was stolen XXXX didn't report to my credit report. After the car was given back and I didn't want it because I didn't wreck it and it wasn't drivable they reported the account as open stopping me from obtaining another car from another dealership.
Complaint sub-issue: Information belongs to someone else

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : XXXX. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Complaint sub-issue: Information belongs to someone else

Saturday XX/XX/XXXX I checked my credit score in the morning on XXXX  XXXX and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason
Complaint sub-issue: Account terms

I have been disputing the following items for over 6 months with no response or proper verification as to their completeness in recording, verification methods, and accurateness. 


XXXX XXXX Investigate if I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

U S DEPT OF ED/XXXX XXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately. 

U S DEPT OF ED/XXXX XXXX Please take into account this collections opening date and last activity because it does not match my records. Please remove immediately. 

U S DEPT OF ED/XXXX XXXX Please investigate this collections status, I do n't think it 's accurate. Please remove this collection for it 's inaccuracies. 

U S DEPT OF ED/XXXX XXXX I am requesting an investigation on the account responsibility. Can you take a look at the account number and company name. I do n't think it 's XXXX accurate, so please DELETE this collection from my credit report. 

US DEPT VETS XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's XXXX accurate. Remove it from my credit report immediately please. 

USDOE/XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records.
Complaint sub-issue: Information is not mine

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX National Credit Card Cos. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Complete Dept. Stores XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

please removed these accounts 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I received an alert from XXXX that I.C. System has flagged my account as a Collection. I then sent a dispute to verify the accuracy of this account. On XX/XX/2021 I received an alert from XXXX that my dispute was submitted ( way after the 30 day mark ). I then received an update on XX/XX/2021 that my dispute was closed and that the account was verified. I then asked for a reinvestigation and a notice received that they will not reinvestigate with no explanation at all. I have sent several disputes including copies of the dispute letters that I sent the Collection Agency who has not to this day Validated this account. I am not sure how they verified the account when the creditor will not respond to me. I have sent 4 certified letters to I.C. Systems and even the last one was notarized. I still have not received validation of this account but they are still reporting on my XXXX.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

This is still an ongoing issue from my last complaint with Card.com ( complaint # XXXX ). For other consumers reading this, you will see that when I file these disputes against these companies, I can't make this stuff up or lie!! The previous amount that was stolen was refunded back to my account. Card.com I want to thank you for admitting that you guys made a mistake, and worked to get my {$51.00} that was stolen, back into my account. However, I AM HAVING THE SAME ISSUE ONCE AGAIN. I still have 2 fraudulent charges still on my account, that have been in pending status for 30+ days. The fact that a pending charge is taking 30 days to post, should be a red flag for any bank to say this is a fraudulent charge. I spoke with an agent today ( XX/XX/18 ) at Card.com, and he stated that I would have to contact the two merchants to get them to release the charges. I have spoken to both companies .... XXXX XXXX ( Branch ) in XXXX PA for {$22.00} and XXXX XXXX XXXX XXXX in XXXX WA for {$29.00}. XXXX XXXX  said I need to contact my bank, and I have left messages to XXXX XXXX XXXX XXXX, who has not returned any of my phone calls. A few weeks ago I contacted Card.com and asked them when would I be able to dispute the pending transactions, and a female agent told me I would have to wait a total of 30 days before I can dispute. So again, I am being told two different things by their customer service. I can dispute after 30 days while in pending status, or I have to contact the merchants directly to get them to release the funds. I have tried both, and I still don't have my funds back into my account. 

Also, luckily I took screen shots last month of the fraudulent charges showing on my online statement. Because as of today, they are miraculously missing from my current online statement. ( ( ( ( ( ( I AM ATTACHING 2 STATEMENTS SHOWING THEM THERE AND THEM MISSING CURRENTLY ) ) ) ) ) If I didn't have the proof from last time, I may be out of luck disputing them. 

I don't understand how a bank that knows clearly that a transaction is a fraudulent charge, would not fight for their customer to reach out to the merchant and reverse the charges. Pending charges for 30+ days!!!! And that's not a red flag?
Complaint sub-issue: Threatened or suggested your credit would be damaged

The bill is from a recent apt I lived in..They are saying that the apartment was dirty and charged me for a extra cleaning fee etc..totaling almos $ XXXX.I 've been going back and forth with them because I have video from when I left the apt and it was clean. The apartment was not in bad shape at all..They moved someone in the next week after I moved. Then the guy from collections is very rude. Stated that I need to pay my bills or it will affect my credit when those charges are false.
Complaint sub-issue: Their investigation did not fix an error on your report

I am disputing methods of verification for a bankruptcy listed on my LexisNexis report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from LexisNexis at XXXX XXXX on XXXX  who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed LexisNexis does not and has not verified information in my file. LexisNexis sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but LexisNexis believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by LexisNexis.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017 I personally found out that my identity may have been compromised. Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Problem with the interest rate

I have a car financed through FLAGSHIP CREDIT ACCEPTANCE. I am being over charged for the vehicle. 23 %. I have made payments since XXXX of 2022 and it is not reflecting on my balance. My down payment doesnt reflect on the balance either. 
This company also refused to let me change my payment due date, because it cant be changed but every 6 months. I know when i can pay my bills and that is when i need my due date. I have changed my due date in XXXX because when the contract was done i requested to have my due date on the XXXX of the month and they said ok. they didnt set my date for the XXXX they set it for the XXXX. 
They are hiding fees and interest, I will never get the car paid off at this point. They are not willing to work with you on any issue you have, or willing to cooperate.
Complaint sub-issue: Their investigation did not fix an error on your report

I don't recognize the company AFNI , Inc. date reported XX/XX/XXXX for the amount of XXXX. 
XXXX XXXX is saying owe the same amount as XXXX.. I don ; t agree with these action and believe it needs futher investigation. 
dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.
Complaint sub-issue: Account status incorrect

XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, XXXX, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very serious about filing a lawsuit if this is not removed ASAP!
Complaint sub-issue: Was not notified of investigation status or results

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.
Complaint sub-issue: Didn't receive notice of right to dispute

Had a XXXX XXXX XXXX XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was XXXX XXXX  inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this a report company for malpractice. Seeking possible litigation if not resolved.
Complaint sub-issue: Account information incorrect

My Overview My Recommendations1 Accounts Credit Cards Loans Auto Resources TaxFree audit defense Profile & Settings Back to score details Based on Equifax data Credit changes Current score XXXX XX/XX/XXXX No score change We found no changes to your Equifax credit report. 
Expecting a change that you dont see? Equifax may not have updated your report yet.

Help us improve your experience Was this information helpful?

Yes No XX/XX/XXXX 5 pts to XXXX We found 4 changes to your Equifax credit report.

Balance Decrease XXXX XXXX XXXX XXXX   Balance Decreased by {$57.00} XXXXXXXX XXXX XXXX Balance Decreased by {$96.00} Balance Increase XXXX XXXX XXXX Balance Increased by {$34.00} On-Time Payments XXXX XXXX XXXX 2 Payments Made on Time Hide changes XXXX XXXX No score change We found no changes to your Equifax credit report. 
XX/XX/XXXX pts to XXXX We found 1 change to your Equifax credit report. 
Balance Decrease XXXX XXXX XXXX XXXX Balance Decreased by {$240.00} Hide changes XX/XX/XXXX pts to XXXX We found 1 change to your Equifax credit report. 
Accounts In Collection Removed XXXX  XXXX Account Removed Hide changes
Complaint sub-issue: Account information incorrect

I had a mortgage loan with XXXX XXXX XXXX XXXX. It was paid in full. Its still on my credit report as not paid. I cant get it off. Loan # XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts 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 accounts 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. 

XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX I, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account status

XXXX reported that I was past due on our credit card payment. 
They are wrong and could not provide proof that I was ever even sent a bill, they 're only response was that they sent me a bill and that was enough. I believe this is a scam as XXXX XXXX ( the company that issues the cards for XXXX ) benefits by charging higher interest rate to consumers after inventing the late charge, or not providing proper notice of a due payment. 
In fact our account has a positive amount currently in other words they owe us money. 
I will be closing the account after submitting this complaint.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Frequent or repeated calls

Ally Financial has been using deceptive practices to collect a debt. They disguise their phone number with a local area code, no caller ID and they do not identify themselves as to who they are. They will repeatedly call from different numbers but will keep the same local area code to mine. Everyday I have to block a new number. I have addressed this issue directly with Ally Financial and keep doing it.