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

I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX     XXXX  Days Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Complaint sub-issue: Debt was result of identity theft

Identity was stolen in XXXX. Received letter in the mail regarding {$490.00} charge to Macy 's for which I did not purchase/authorize. 

A stolen driver 's license ( mail fraud ) was used for the transaction in which the credit card was not used by impersonator. I filed necessary paperwork including a police report and received a notice that the investigation was conducted ( without Macy 's ever contacting me during this investigation ) and that I am liable.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

My identity was stolen and there were Three XXXX XXXX inquiries and one XXXXXXXX XXXX inquiry. I do not know if accounts were opened. I contacted all parties involved and have been told the fraudulent inquiries would be removed and as of this complaint filing the inquiries remain. Identity theft notice and police report enclosed with complaint
Complaint sub-issue: Their investigation did not fix an error on your report

Recently, I ordered my credit reports and realized that my student loan payments are not reporting correctly. I disputed with the credit bureaus and you all validated the error that is currently on my credit report. Besides the inconsistency on all 3 credit reports, the payment history is all wrong. ( I've attached an example of only ONE out of many accounts ). 

If you'd take a look in XX/XX/2017, you will notice that I made a qualifying payment/deferment. The next month, XX/XX/2017, it states I am 90 days late. How is that possible? This is just one mistake out of many. I would like for all of my student loans that show this same mistake to be corrected and if you can't correct it, I would like this deleted off my credit as this error is hurting my credit, terribly.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Inquiries that have no permissible purpose to appear on my credit report FDCommunity XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE XXXX, EQUIFAX XXXX XXXX  AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION
Complaint sub-issue: Information belongs to someone else

I have no knowledge or records of this account on my report. I have disputed this unknown fraudulent medical account with the reporting Collection Agent, ( copy enclosed with proof of their receipt ), and have had no valid response. 
Please advise me as to the name and address of the health care provider, the name of the patient, and the reported date of service, as any account I might have had at one time would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the CFPB for FCRA and FACTA violations, the OCR for HIPAA violations and appropriate State authorities. 
Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA, SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, 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. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX. 
Additionally your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) I also reserve the right to include your Bureau in any legal remedies I pursue. 

You compromised my personal information with your security breach YET allow companies to place fraudulent tradelines on my credit report. The same information YOUR company compromised is the SAME information someone needs to place fraudulent things on MY report that YOUR company furnishes. It seems as if equifax is in the fraudulent companies side vs the consumers!
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the credit report.
Complaint sub-issue: Funds not received from closed account

{$1.00} amount I want to ask for help so I can claim the remaining money in the discover savings account that has been closed without notification.
Complaint sub-issue: Account status incorrect

please find attached the letter from macys for which they have approved of the delinquency being inaccurate and are willing to remove the negative mark from my reports XXXX and XXXX have already removed except XXXX, they are not cooperating, please help this inaccuracy to be deleted from XXXX report thank you
Complaint sub-issue: Information is missing that should be on the report

I want equifax. I want my Equifax account to also show that this is been closed out and posted as current status with the credit are updated to XXXX  fax current status to update my XXXX account to XXXX balance is XXXX.
Complaint sub-issue: Debt was paid

Collection account created XX/XX/XXXX for {$150.00} cleaning fee associated with a previous rental. 
Account paid in full on XX/XX/XXXX. 
I have been on a land contract and thus unaware of this account status. 
Collection account still shows as open and unpaid as of XX/XX/XXXX. 
I am back in the market to rent and have paid three {$35.00} fees and one {$40.00} application fee. All which otherwise were accepted ( verbally confirmed by property managers ) but the Collection account appearing as open caused me to lose money and prospective rental agreements. 
I have contacted the Collection agency and was met with nothing more than an apology and request to update the credit bureau, but this does not help. This has caused unnecessary issues as I am having trouble relocating for something that was handled years ago.
Complaint sub-issue: Application denied

I applied to the Citi bank small business credit card ( CitiBusiness / XXXX XXXX XXXX Mastercard Credit Card ) sometime in XXXX and they were requesting a form 4506-C for the request of my tax return transcript. I sent via mail and they got back to me that the form has been incorrectly filled out and instructed me to send in via email to XXXX XXXX so I did send in that document on XXXX and called to get a confirmation that they received the document. I called 2~3 times just to make sure if they received the document and they confirmed. I called again last week to have an update on my credit card application and they told me that they received my tax return transcript from IRS and are processing it. I just called today and the representative stated that the application is canceled because I did not take any action for more than 30 days. 

I did send in the documents via email on XXXX and it clearly has not been more than 30 days. I would understand if the application is denied for a proper reason but I do not accept this credit card application cancellation. 

Application ID : XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. I resent my complaint on XX/XX/2021 and to this date more than 90 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 120 days or more than 90 days since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts corrected : XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

Issue with : AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX They are calling me about a debt with XXXX communications that isnt valid. I called XXXX and my balance is XXXX. They keep calling and havent validated the debt. One of their employees lied to me and said they are a XXXX  employee but when I called XXXX I was informed this wasnt true. I am ready to file a lawsuit.
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

My debt was sold. The amount is inaccurate. The debt was supposed to be removed from my account. However they reported the account was open in 2019 which is not true the amount is XXXX
Complaint sub-issue: Company closed your account

Discover card closed my account because my credit utilization on my other credit cards reached % 50, my accounts are in good standing. I do not have any late payment or missed payments from my other creditors, i do not owe discover card a dime, i've been a customer for years but my account was closed without noticed, i called them to ask why and they said my credit utilization has reached % 50, like Really just % 50, the painful part was that i do not owe them or have a debt on the account but they where judging me base on what my utilization with other lenders was, i told them i will like to close my checking account but they where giving me a run around not wanting me to close my checking account then i asked a question, non of them have been able to answer yet, if you cant trust me with your money why should i trust you with mine? ... ... ... Discover card sucks!!!!! the same day they closed my account XXXX XXXX incress my card limit by {$2000.00} base on the same credit utilization ... ... ... i'm closing my checking account with discover card and never going to have anything to do with them, I'll suggest you all do the same.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount principle amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the Indiana Department of Financial Institutions and the Indiana Secretary of State, both of which informed me that XXXX wasnt licensed in the state of Indiana, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX  and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name.I do not trust them to take care of this matter. I then contacted XXXX XXXX XXXX- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since filed a dispute within the credit bureau XXXX. I also had another loan with XXXX  that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.
Complaint sub-issue: Problem making or receiving payments

Cashapp has hadn't account locked since XXXX XXXX @ XXXX Now as of XX/XX/2022 @ XXXX I received an email saying it was unlocked, but My account say as of XX/XX/XXXX @ XXXX the issue was resolved, But yet my account is still locked I have received the email stating it was unlocked but they yet to do so I want my account unlocked to receive my money and then deactivate it. Asap.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Just over ten years ago, XXXX XXXX, and/or their subsidiary collection agencies, began threatening my grandmother (co-signer) with lawsuits and my mother's work income (also a co-signer). Now, XXXX is using a collection agency called Allied Interstate to collect the debt. Allied Interstate sent me a letter proposing that I pay 1/14th of the amount I owe in order to "pay the debt in full." With the advice of a credit counselor, I contacted XXXX, listed as the original creditor, to confirm and verify this proposal. Before I could speak with a representative, the call was directed to Allied Interstate. I asked the representative, "XXXX XXXX," to request a letter from XXXX confirming the proposed debt settlement. The Allied Interstate representative stated "XXXX will never do that." He also stated, "don't listen to your credit counselor." I need to know if this is a legitimate proposal, and I have a right to know from the original creditor.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. On XXXX XXXX, 2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Complaint sub-issue: Account information incorrect

My credit report shows hat the account was in arrears on XX/XX/2017 to XX/XX/2017, for 30, 60 and 90 days respectively. This is inaccurate, and this should be removed from my credit report/ need a trade line deletion.
Complaint sub-issue: Trouble with how payments are handled

I have multiple loans that were reported delinquent by Nelnet, past the 120-day mark, while I was still meeting all enrollment requirements to defer my payments. This has left my credit severely damaged. I have proof from my University that I was enrolled during the alleged delinquency, and have submitted dozens of requests for review of my dispute. Nelnet only accepts disputes via fax, which is an absurd limit on the capabilities of communication for something so serious. It took them months to finally reply, only to reject my dispute with very vague reasoning. 

My credit has been majorly impacted for these delinquencies that should never have been triggered in the first place. These reports need to be removed from my credit score.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX  XXXX which is closed. I did try to dispute and fix with Equifax, XXXX, and XXXX refuses to add the affected by natural disaster or Pandemic to this reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

The car payment was paid off and it shows we were late. When the car was traded in we werent late on the Payment. The company sais they would fix my score but they havent. Its been over a year
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed a recent copy of my credit report and noted an unauthorized inquiry. I have contacted XXXX XXXX and their fraud team completed an investigation and sent a letter to me, concluding that the application to XXXX XXXX was fraud, cancelling it. I have a letter attached from XXXX XXXX with the reference number. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. I have called Equifax multiple times and was told that all hard inquiries are legitimate and to file a dispute online. On XX/XX/XXXX, I filed a dispute with Equifax. However I was not allowed to attach any documents or a statement that would support my claim. After submitting my dispute, I was shortly given a response a few hours later denying my request to have the XXXX XXXX fraudulent inquiry removed. I called a few days later. Perhaps it was XX/XX/XXXX, only to be told by XXXX from a call center in the XXXX that hard inquiries are factual and could not be disputed. 

Per section 611 ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer I believe Equifax did not do a proper investigation ( on XX/XX/XXXX ) of the XXXX XXXX inquiry on XX/XX/XXXX. XXXX XXXX sent me a letter on XX/XX/XXXX, stating that the fraud team did an investigation and concluded that the XXXX XXXX application submitted on XX/XX/XXXX was in fact fraudulent. If an investigation was completed in less than a day, surely Equifax would have contacted XXXX XXXX to verify. 
Since there is no evidence that I initiated these requests, I request that this inquiry be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that Equifax promptly delete the following item  from my credit report. 

The following inquiry was not authorized : 1. [ XXXX XXXX ] [ XX/XX/XXXX ]
Complaint sub-issue: Personal information

I put a freeze on my credit report in 2009 & received a letter & pin number. Today I asked to lift the freeze and found out that I can not because Equifax ( and only Equifax ) has a middle initial of " XXXX '' in my name vs just a " XXXX ''. Equifax said I must send proof of my name and address in order to correct their mistake. I have a letter from Equifax dated in 2009 & that letter does not have the incorrect middle initial. Also, when I tried to use the online system at Equifax the system ca n't even hold XXXX middle initials. They agreed to process a lift of the freeze but that takes 5 business days & they notify me by mail. The other XXXX bureaus processed the lift immediately & sent an email response. Equifax needs to research their errors & not put the burden on the consumer. Equifax is holding up the checking of my credit standing for 5 business days plus the mailing time since they respond only by mail.