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

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

A suit was entered in WI XXXX XXXX for a suppose credit card $ XXXX debt in XX/XX/XXXX. I was never served and this false credit card debt was entered as a default judgment XX/XX/XXXX without verifying the debt. It has now been 10 yrs and the zombie debt is statute barred from collection. They are trying to restart the statute of limitations clock by trying to serve me and threatening taking property and liens on my homestead. This debt is not verified and may have been sold already to debt buyers for pennies on the dollar so the original creditor already got paid and they have not verified any debt with me. I do not owe this debt by statute of limitations.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting Act XXXX XXXX XXXXXXXX account # 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Bank XXXX - Account # XXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX nexus said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/XXXX RE : Equifax Confirmation # XXXX XXXX Confirmation # XXXX Confirmation # XXXX Subject : Account # - XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 16811 ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at all the addresses listed above. 

Thank you, Sincerely XXXX XXXX
Complaint sub-issue: Report improperly shared by CRC

On XX/XX/2016 I contacted Equifax credit bureau. Spoke with a representative concerning why my credit score as to why I had lost XXXX points on my score. After I reviewed it from XXXX XXXX the night before. The representative could not answer why and basically just said that XXXX XXXX is n't always correct. In which I informed her that Credit Karma gets the information from the credit bureaus, because I seen an inquiry from XXXX XXXX on my Equifax report dated XX/XX/2016. She could not tell me why my credit score was XXXX points less than it was 2 weeks ago. Although I have paid off a student loan recently. So I asked to speak with a supervisor an she could not explain to me why my credit score had dropped XXXX points as well. I asked her to fix my score, Inwhich, her reply was she could not. I said to her but you took XXXX points from my credit score and you do n't know why and you ca n't fix it. Than she proceeded to say that it was because of a dispute with my mortgage company in which that never occurred. I have no dispute because I 'm paying my mortgage on time and I know that does not bring down a score. I asked her to send me the credit report that shows there is a dispute from me on it concerning my Mortgage company.
Complaint sub-issue: Account status incorrect

I disagree with the reply since my request to have a copy of the transcript of the telephone conversation on XX/XX/2018 regarding the settlement that they have reviewed was not furnished. Last response i got is that my complaint was duplicate, this is a followup complain since my request for the call was not provided.
Complaint sub-issue: Called before 8am or after 9pm

National Recovery text late at night the most recent was XXXXXXXX XXXX. from XXXX attempting to collect a debt for a company I do not even know. I have requested and Stop text request multiple times and they still text me.
Complaint sub-issue: Information belongs to someone else

I have disputed the following accounts with credit bureaus as I have no knowledge of them and they do not belong to me, but the accounts are still reporting : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX Bank account XXXX XXXX. XXXX XXXX XXXX account XXXX
Complaint sub-issue: Company closed your account

ON XX/XX/2019, Citibank closed all 3 of my credit card accounts without warning. I reached out and was told the accounts were closed do to " too many revolving accounts '' and they reserve the right to close the account at any time. What exactly constitutes " too many accounts? '' Is Citibank acting in a monopolistic manner in which they need to be your only creditor so that they make the most money? Can one not have credit lines with other financial institutions? My credit is flawless and that is the reason I and able to pick and chose which credit lines to use. I believe Citi observed that my balances were always paid in full, and that they were not earning money by charging me interest. 

Payment was always mad in full and on time. 
Oldest account open for 8 years As a result of Citi 's action, my credit score will be negatively effected by lowering amount of available credit thus increasing credit utilization percent. It will also damage the age of accounts since the oldest account with Citi was 8 years. 

Credit card companies should not be able to close your account for doing business with other financial institutions by damaging your credit score,
Complaint sub-issue: Information belongs to someone else

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX for 8 years and I have never lived in these addresses reported on my FICO report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( 8 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 641.1 Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Ga XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX AFNI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX s ) that I have made. It is the result of Identity Theft.
Complaint sub-issue: Information belongs to someone else

Not sure of dates, because I was not expecting to have to report Equifax. My son had me as a user on his XXXX card, in case he needed me to get anything for him. We found out it was reporting on my credit, so in early XX/XX/2021, we called The credit card company and had them remove me. They said that on XXXX XXXX, it would be off my report. It came off XXXX, but Equifax would not remove it. Over the past month we have called XXXX XXXX  and Equifax numerous times. XXXX has told us that it was reported that I was removed and they told me it was up to Equifax to remove it. They even gave us an email to show Equifax that it was removed, but they refused to look at or accept it. Equifax claims it is XXXX, but if XXXX removed it and they even gave us a letter to give Equifax, which they would not accept as proof, I say Equifax is the problem. Also, I dont like speaking to someone I cant understand and now I know that all these people overseas, have access to all my personal information. The letter Im attaching says XX/XX/2021, but we actually had XXXX remove it around the XXXX, the XXXX is when we requested a letter.
Complaint sub-issue: Contacted you after you asked them to stop

This is account does not belong to me! The account was sold to this collection company who does not have an account with me as I have never done any type of business with this company.
Complaint sub-issue: Information belongs to someone else

1 ). On XX/XX/2018, I sent my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report.

2 ). On XX/XX/2018, I sent a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, by U.S. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX XXXX, opened on XX/XX/2018, with a balance of {$2100.00}.

3 ). Equifax Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).
Complaint sub-issue: Information belongs to someone else

As of XX/XX/2022 XXXX has admitted to invading my privacy by reporting my non public personal information on my credit report in their most recent response to my dispute request. They refuse to remove this alleged bankruptcy because they claim to have furnished this " US Bankruptcy '' information from the third party company Lexis Nexis. 

I am aware that XXXX is using unlawful extortionate means by furnishing my NON Public personal information, which includes transactions between only me and the furnisher. 

Which in this case the furnisher would be the Southern District Court of Indiana. Lexis Nexis is disclosing my non public personal information to the Credit Reporting Agencies XXXX XXXX XXXX Using unlawful extortionate and is a violation of 18 USC 894, punishing me by furnishing my nonpublic personal information without my consent as a means to ruin my financial reputation is a direct violation of 18 USC 894. 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice, Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by Lexis Nexis, XXXX, or XXXX. 

I am aware that XXXX, XXXX and Lexis Nexis may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable for 20 years if they do not remove this item from my credit report and this also may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnisher my NON public Personal information.
Complaint sub-issue: Debt is not yours

To whom this may concern the fraudulent account has been removed from all bureaus except XXXX for XXXX XXXX XXXX. I contacted creditor and this account was opened with Someone with a Similar name to mines individuals name is XXXX XXXX the last name on the fraudulent account is incorrect there is a typo they also have wrong XXXX and address on file. The derogatory mark is for the amount of XXXX
Complaint sub-issue: Information belongs to someone else

There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, On my credit report, I have two unknown and unauthorized reports/inquiries on my credit report : Sallie Mae on XX/XX/2021 and XXXX XXXX on XX/XX/2021. I did not consent to these inquiries and request that they be removed immediately. These were seen on my XXXX XXXX account and I do not know where they are from and it is concerning to me. 

Please let me know if you need any further information.
Complaint sub-issue: Account status

Equifax ( including XXXX and XXXX ) has not increased my credit score where it should be after items removed, XXXX collections, and XXXX open accounts in good standing. Which brings me to discuss XXXX that has been in dispute all year with no responds or corrects. Equifax states their sore calculations is base on the last 3 years. They state XXXX report on my credit XXXX missed payments, and XXXX missed payments BUT shows a grid that have good standing payments for a year and a half..an the years XXXX in a " XXXX '' ( unknown ) that effects my score. In XXXX and XXXX I was in a program with XXXX XXXX for modification of my mortgage which clearly states that your mortgage will be denied modification if you make any late payments. I completed the program successfully without no late, or missed payments but Equifax, XXXX, and the other XXXX credit bureaus will not correct it. Also Equifax will not remove any and all accounts that 's paid and closed with a XXXX balance..My score should not be XXXX. It should be in the XXXX. Equifax investigation is not including demands for XXXX to explain the " XXXX '' unknown.they have reported and being dispute since XXXX with no results but still Equifax reports it as a negative items that keeps my score down.
Complaint sub-issue: Problem with customer service

I applied for an Income Based Repayment program for my student loans back in XXXX/XX/XX/2018. I was sent a form asking for clarification on my past stubs because this company couldn't do the math and figure out that the pay stubs were two weeks apart meaning I get paid BIWEEKLY. My take home pay is {$0.00}, I am a waitress and make barely enough money to pay my rent. After TWO MONTHS of patiently waiting for this to be processed I reached out to their email communication team. I heard nothing back for over a week. I contacted again threatening regulatory action. I then applied for an Unemployment Deferment because they repayment plan was taking forever and my due date was coming .... A few days later I got a response that my program is approved but I am now due for {$6300.00} on XX/XX/2018! HOW IS THIS POSSIBLE!? I cant pay that? I just sent in my pay stubs showing I MAKE NO MONEY!! I need this fixed. That past due amount will tank my credit and I am working so hard on getting this all my debts settled. I cant do much more than give them everything they ask for! Please help me get the {$0.00} monthly payment I was told I qualify for based on my income. This has to be some form of predatory lending trying to take their time in processing these apps so they can make their money on the interest that keeps accumulating .... cant you see I am trying to do my part!!!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX Originally : XXXX XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.
Complaint sub-issue: Problem using a debit or ATM card

I would like KeyBank to return the bank fees they have caused my family an erratic amount of stress. We can not even buy food. 
The fees as of this morning are XXXX $ That is in fees alone. It is unheard of and unjust. 
That doesnt even include the disputes.
Complaint sub-issue: Account terms

i have inquires that should be removed and have proof that they should be removed and equifax has yet to remove them i hope hat you can help me get them removed
Complaint sub-issue: Card was charged for something you did not purchase with the card

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX. My email address is XXXX. 

I had a Citibank credit card for several years. I can not give you the credit card number as I cut the card up and threw it away. The original last XXXX digits of the disputed card the charges were made on is XXXX. The last XXXX digits of the card that they sent to replace that one is XXXX and that card has also been cut up and thrown away. 

On XX/XX/2021, I received a telephone call from Citibank indicating that charges were being made to my credit card in XXXX, GA. They asked if I made or authorized these charges. I told them they called me on my home phone in XXXX and so " no '' I did not authorize or make those charges. They immediately closed my account They indicated that XXXX charges ( {$50.00} XXXX ) were made on my card at Performance Prediction XXXX GA ) and XXXX charge for ( {$61.00} ) at XXXX XXXXXXXX # XXXX XXXX XXXX Ga. I was told these charges would be removed from my card. 
When my statement arrived, all charges were listed for payment. I disputed it. The following month XXXX of the Performance Prediction charges and the XXXX XXXXXXXX charges were removed. XXXX Performance Prediction charge for {$50.00} remained. Citibank indicates they can prove I made the charge. I have called XXXX or XXXX times ( maybe more ) and disputed the charges. They tell me it will be taken care of and nothing happens. However my bill that was due XXXX listed the remaining {$50.00} charge and added a penalty of {$29.00} because I didn't pay it. Repeated calls to Citibank have been unable to resolve it. They say it's fixed but the telephone calls and emails about the unpaid bills continue to come. I receive phone calls from them EVERY day about the bill and emails every XXXX day. I have filed a police report # XXXX with the XXXX XXXX Michigan Police Department XXXX XXXX XXXX XXXX XXXX XXXX ). I contacted XXXX XXXX on XXXX and he suggested I try to resolve it with you.
Complaint sub-issue: Public record information inaccurate

BANKRUPTCY IS SHOWING ON MY CREDIT REPORT UNDER XXXX XXXX MY LEGAL NAME IS XXXX XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT, THIS INFORMATION IS NOT ACCURATE AND IT VIOLATES MY RIGHTS.
Complaint sub-issue: Account status incorrect

There are late payments showing on my credit report for Student Loans dating back to 2014. This is inaccurate information and I have tried to disputing this with the Credit Reporting Agencies to no avail. 

This debt has been sold to another 3rd party company. 

These late payment reports have caused me to lose out on housing, credit and transportation. 

The late payments are inaccurate. They have been deferred multiple times and I have not received any documentary evidence, audit trail or the like showing that these payments are indeed late.