Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I currently submitted a copy of all 3 credit bureaus side by side so that the credit bureaus can see the inaccurate late payments that are reported on each of my credit reports. The bureaus are suppose to report accurate information and should coincide with each other. My mortgage company XXXXXX/XX/XXXX is reporting 2 different late payment statuses. The are reporting inaccurate comments on each credit report. XX/XX/XXXXis reporting my mortgage has a student loan in the comments. I have sent letters in the past disputing the inaccurate late payment and they reply back that it is verified. How is inaccurate information being verified? I attached my credit report with all 3 credit bureaus side by side so that you can see the inaccurate information.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I informed the CRC 's XXXX, EQUIFAX, AND XXXX that they were furnishing information on my consumer report that is indeed a result of identity theft. Each CRC has failed to adhere to the federal laws one of which is to block information resulting from identity theft within 4 business days of notification. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent a letter to CoreLogic asking them to place a security freeze on my CoreLogic credit report they sent me a letter back basically saying that they are the reseller of consumer report information provided by the three National Consumer reporting agencies. So therefore they were not able to place a freeze on my CoreLogic credit report. But I know they play security freezes because I placed a security freeze with them many times before.
Complaint sub-issue: Frequent or repeated calls

Allied Interstate LLC is contacting me in an unprofessional manner. They call me Monday thru Sunday at all hours of the day. Calls come in at all hours of the day and night. It is extremely annoying and upsetting. I had already made payment arrangements with XXXX XXXX Bank, the credit card company. Now, they 're sending me these people to supposedly collect a debt.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
XXXX XXXX XX/XX/16 Ally XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XXXX XXXX XXXX   XX/XX/16
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX my mother and I decided we would merge our cell phone accounts together. We called in and did this. We got everything changed and working and I asked the guy any outstanding bills for the number ending in XXXX after this he advised no. A little while goes by and I receive a bill in the mail for {$140.00}. I call XXXX and spoke to a representative and advised we were told no balance for me and she stated that she didn't see any notes on my account but because of the inconvenience she would cut the bill in half and I would then owe {$73.00} and to give it 24 to 48 hrs to show on the account and call back. So I called back 4 days later really upset cause not only did I receive another bill in the mail but this time it was 219.75 so instead of taking the {$73.00} off they added it sent it to collections and reported this information to all 3 credit bureaus. After repeated calls to XXXX I decided I was getting no where so I went and called the Collection agency and paid a settlement in the amount of {$160.00} to get rid of this and be done with it since nobody will help me and take responsibility so called the collection company to ask why this was still an open balance on my credit report XX/XX/XXXX and spoke to XXXX and she stated they didn't receive my payment but sent me a payment receipt XXXX bal. I paid more then what I was supposed to and now this. I am trying to purchase a house and this being reported to all 3 credit bureaus after stating it would not be is very upsetting. Even after all this I still have been trying to call XXXX and the collection companies all to get nowhere and completely disrespected and no help to resolve what so ever. I have never been talked to or treated in such a manor it was ridiculous. Nobody wanted to hear or acknowledge anything I tried to say. Like I was just lying trying to get out of a bill I was very offended. I still have XXXX for my cell phone and XXXX for cable and internet and I am seriously considering breaking my contract and moving elsewhere very disappointed.
Complaint sub-issue: Frequent or repeated calls

I get numerous successive calls from XXXX XXXX XXXX. 
XXXX. It is abusive
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX I received {$40.00} from a friend XXXX that I work with as a birthday gift I wasn't even logged into my cash app account when she had sent it when I received the email that she sent it I logged in an as soon as she sent it, it showed that a transaction to a XXXX XXXX was sent an with my account I have biometric fingerscan an a pin set to where one or the other is needed to do a transaction with my account an I did neither nor am I the one that sent it an I've disputed an reported the profile of XXXX XXXX an got denied an I disputed 3 times total an have only heard back from the 1st one being denied
Complaint sub-issue: Other problem getting your report or credit score

Ever since XXXX XXXX, I have been unable to retrieve my credit report and score. Even when I pay for it, The different entities informed me that they are unable to retrieve my credit report. I have reached out to Equifax on numerous times regarding this issue, but no recourse. I have received nothing but lies, and continued lies. They tell me that they can see it, well, yes you can, youre Equifax! All I want is to be able to review my credit report, along with which ever entity I give permission. I have waited and worked with Equifax for more than a year. I think thats long enough for them to make this right. I now, turn to you for help, to resolve my concerns. Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked for method of verification from this company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX came back verified and XX/XX/XXXX I have not received a response back. In alignment with FCRA 609- Disclosure to consumers ( which they failed to do so ), FCRA 610-Condition and form of disclosure ( in which the proper identification was given ), FCRA 607- Compliance and Procedures accuracy of report ( they were shown proof that all three bureaus didnt have the same information ), and FCRA 611-Procedure in case of disputed accuracy which gives me the right to ask of reinvestigation of disputed info in which they never verified in the first place. This company have fail to follow FCRA guidelines which is in place to protect the consumers. I demand this this account be taken off expeditiously. Their inaccurate reporting has caused me not to obtain credit which has caused financial stress to me and my family.
Complaint sub-issue: Was not notified of investigation status or results

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2022 my whole account was hacked, somebody took all the money out of my account, they also ordered a new card to whole nother state, they didn't even send a message that any of this was happening. I tryed to login to the app and it wouldn't let me, that's the only way I knew something was wrong, 4 days later they finally let me log into the account only to see all my paycheck was gone! I disputed the transactions, not even 4 hours later they tell me the dispute was denied.
Complaint sub-issue: Can't close your account

I am having an issue with Citibank checking. A company by mistake ran an automatic debit through this account 3 times in error. I had changed banks. This caused overdraft fees on an account I was closing anyway due to so many issues with Citibank. I explained what happened and requested them to close the account. They refused. They stated I needed to pay the outstanding {$100.00} to close the account. I told them I do not have it as I am filing Chapter XXXXThey refused to close the account and now they are calling at least 40 to 50 times a day from different numbers. I have a block list in my phone a mile long. I have given them my attorney 's name and information 4 times now. They still refuse to stop calling. This is the conversation I just had with them. 
Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 0 minutes 22 seconds. 
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information. 
This chat may be recorded or monitored. 

You are now chatting with XXXX. 
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request? 
XXXX at XXXX, XX/XX/XXXX : Are we still connected? 
You at XXXX, XX/XX/XXXX : yes You at XXXX, XX/XX/XXXX : I want a copy of this conversation for my attorney XXXX at XXXX, XX/XX/XXXX : I will totally leave notes on the account regarding your request. I can not guarantee you the calls will stop, I apologize, but the notes will be left on the account. 
You at XXXX, XX/XX/XXXX : You do realize now that I have gave you my attorney information if the calls continue you are in violation of the law You at XXXX, XX/XX/XXXX : Again this is my 4th request You at XXXX, XX/XX/XXXX : I have copied this conversation and forwarding to the FCC and attorney general You at XXXX, XX/XX/XXXX : XXXX calls in one day and is out of control I am at my wits end. All day long at work my cell phone rings. Below you will find a screen shot of the blocked calls for 2 days. This has been going on for weeks.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, XXXX I sent a letter to validate a debt to both XXXX and XXXX. I did not receive a response so I sent a letter to Equifax regarding both XXXX and XXXX alleged Collection accounts in XX/XX/2022. I did not receive a response, But they updated my credit report to show it was disputed. I then sent another letter in XXXX, and still have yet to receive a response. 

Not only has the collection company not been able to provide any proof of this alleged debt, but Equifax has not AND Ive attached a copy of my credit report highlighting ALL THE FCRA violations Equifax has violated. They literally CHANGED the XXXX year history from all on time payments and all the sudden ADDED a XXXX late pay in XXXX of XXXX. Which its reporting as a collection- 1 ) collection accounts are NOT to report as an OPEN account, they are reporting a Past due balance and they can not by LAW add a 120 day late payment... THIS IS 4 VIOLATIONS OF FEDERAL LAW. 

Ive attached copies of my credit reports to show that they added the late payments and all the letters that have been written and sent certified and received. 

This is unethical and it is harming my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive reported for years that I have never had XXXX. Instead of removing the fraud account they have marked it as closed!
Complaint sub-issue: Account terms

all XXXX credit reporting bureaus are reporting wrong dates opened and wrong balances on my credit report. They are refusing to remove past collections, and unauthorized inquires. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed many times that it is past the legal time to continue to be reported on my report. In addition, the loans are discharged and I have consistently disputed with the Bureaus in order to get the loans removed from my credit file. They are clearly operating in fraud. These accounts must be removed from my credit file.
Complaint sub-issue: Account status incorrect

XXXX - account name XXXX account number Shows was 30 days late. 
All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected. 
XXXX XXXX account name XXXX account number All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected.
Complaint sub-issue: Information belongs to someone else

I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact Equifax, XXXX, and XXXX to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they  all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. XXXX and XXXX have responded by removing all but 2 of the inaccurate collection reportings and Equifax still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.
Complaint sub-issue: Account information incorrect

I reached out to this company several of times about accounts with  XXXX   XXXX . The account is showing wrong information such as incorrect name and dates of birth. These accounts and past the  seven year  mark and some I have no knowledge of. My report is also stating that these are closed accounts. These accounts should be removed from my credit report because it is causing me financial hardships.
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 which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA credit bureaus are required by law to remove any items 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 remove these files. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$760.00}.
Complaint sub-issue: Account status incorrect

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am filing a complaint due to Equifax reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the  CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made.   >>XXXX XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX , XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX ,XXXX XXXX Inquiry from XX/XX/XXXX<<
Complaint sub-issue: Information belongs to someone else

I've tried to get my credit report you guys keep mixing up me and my fathers information we have the same name