Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

To Whom it May Concern, I recently pulled my credit reports and noticed you are reporting the incorrect balance for this account, ACCOUNT NAME-XXXX XXXX  ACCOUNT # - XXXX**** BALANCE- {$3000.00} This account has not been properly verified, Please delete this account immediately.
Complaint sub-issue: Frequent or repeated calls

They have repeated called numerous times in an attempt to a collect. I am requesting no future communication from this debt collector
Complaint sub-issue: Their investigation did not fix an error on your report

two XXXX  XXXX Bankruptcies were added to my credit report the first on XX/XX/2022 the second on XX/XX/2022. These were later identified by XXXX XXXX and XXXX as not mine. I also have disputed XXXX fraudulent accounts with THE XXXX XXXX, and XXXX. The balance for XXXX XXXX {$1600.00}. The balance for THE XXXX XXXX IS {$17000.00}. I have filed police reports and FTC fraud affidavits. I have also supplied all bureaus with documentation from data furnishers stating that these public records do not belong to me.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for and purpose.
Complaint sub-issue: Information is not mine

To whom it may concern, I recently discovered XXXX unauthorized hard credit pulls on my credit reports. XXXX with XXXX and XXXX with Equifax. 

All XXXX requests were made with XXXX XXXX, where I have a longstanding financial relationship but I DID NOT seek credit or authorize a hard pull of my credit reports in these instances. After the credit bureaus summarily dismissed my disputes, I contacted XXXX XXXX, which says they have no record of my applying for credit on these dates. So now I am stuck with these hard inquiries that may or may not be the result of a fraudster using my personal information. 

I have initiated a credit alert to avoid further damage. It may be just an honest mistake at the bureaus, but my credit score is now hurt as a result of these unauthorized credit pulls. I need them removed. XXXX bureaus refuse to do so and will not provide any information as to how they deemed these inquiries to be legitimate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent them letters multiple times And so far they have not yet respect the fact that I want to to remove the inquiries and late payments off my report.

The late payments can not be proven also.
Complaint sub-issue: Account information incorrect

Following passage of the CARES ACT my Federal Student loans were placed into forbearance. Prior to the forbearance my loans were completely up to date with no late or missing payments ever reflected on my credit reports ( Including Equifax ). After my loans were placed into forbearance Equifax proceeded to DROP MY CREDIT SCORE BY 55 POINTS! The purpose of the Act is to provide mandatory forbearance without it reflecting a late payment or non payment or impact a credit score. 

I contacted Equifax and started a dispute. Equifax closed the dispute by reflecting that my loans were in forbearance as a result of a natural disaster however they have not corrected their improper drop of my credit score. Equifax is the only credit agency that has lowered my credit score.
Complaint sub-issue: Didn't receive notice of right to dispute

I had a wireless phone and XXXX for the home with XXXX upon leaving XXXX they charged me numerous frivolous fees that I was unaware of until it appeared on my credit report. They reported the bill and had a collections company report the bill on my credit report I never received any collections notice they removed my access to see my account online which as per their website I should still have access to my old bills than when I tried to speak to someone in corporate they refused to verify the address they had on file. To this day I still have not seen the bill and all the charges only what they stated on the phone. 
They also are falsely reporting the account on my credit report as an open account with a maxed out limit instead of as well as a collections by doing this it looks as though every month I owe {$910.00} and another for {$1900.00}. And lastly they are reporting this as though the account is recent even thought I have not had this account in over 3 years and they decided to initially state I owed {$910.00} last year and then to report it at {$910.00} as a fresh debt this year I disputed this with the credit reporting agency as well and they did nothing they continue to allow them to report this as open account they state the debt has been verified which is a lie there is no way they could verify I received any collections because I have not and they did not even want to verify my address This is against and the laws of fair credit reporting and this greatly affecting my credit more than a collections because it reports as open and active and they know exactly what they are doing as I have seen online this is a common occurrence with XXXX and somehow they manage to continuously get away with it
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX and I have inquiries on my Equifax report that do not belong to me. I have called the company and sent letters. I have only received letters in the mail explaining what an inquiry is. I have also called the individual companies and they said they would contact the bureaus to have them removed. 

Below is a list of inquiries that aren't mine and I didn't authorize XXXX -- I don't have an XXXX account. I did not authorize this inquiry. 
XXXX I don't have a XXXX account. I did not authorize this inquiry. 

XXXX -- I have no idea what XXXX is. I did not authorize this inquiry. This inquiry appears on my report twice. 

XXXX XXXX -- I did not authorize this inquiry. I don't have any business with XXXX. 

XXXX XXXX XXXX -- I don't know what this is. I don't have nor am I looking for a mortgage. I did not authorize this inquiry. 

XXXX -- I did not authorize this inquiry XXXX XXXX -- I did not authorize this inquiry. I don't have any business with this company
Complaint sub-issue: Information is missing that should be on the report

Paid in full Amt due per attached check. Credit report still reflecting balance due and derogatory credit score which I have disputed over and over while they drug out their investigation that my credit union reported they input info wrong electronically causing a bank certified not personal check sent by my bank officer in XX/XX/XXXX to bounce. The amount of the bank certified ck due {$350.00} in XX/XX/XXXXto pay in full account ending XXXX not XXXX as they have on credit report. CIti is very unorganized which is why I closed my acct in XX/XX/XXXX and asked for payoff. I will never use them again. The rest of my credit report is stellar. Giving these crooks this kind of power is absurd and unamerican.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act XXXX XXXX ( # XXXX ) {$1200.00}, XXXX XXXX ( # XXXX ) {$550.00}, XXXX  ( # XXXX ) {$320.00}, XXXX ( # XXXX ) {$560.00}, XXXX XXXX XXXX  ( # XXXX ) {$470.00}XXXX XXXX XXXX XXXX ( # 1993 ) {$8700.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me,
Complaint sub-issue: Didn't receive services that were advertised

tonight ( XX/XX/20 ) I called Equifax at XXXX to unfreeze my credit file. 
Since my credit is now unfrozen, I asked them about the status of the free credit monitoring services I was supposed to get as a result of the Equifax breach ( I choose that instead of money ). 
The 1st person ( who unfroze my credit ) didn't even know Equifax had ever been hacked. The supervisor he sent me to, tried to sell me a policy for {$13.00} and when I tried to explain that I was inquiring about the FREE service that was promised to me because my credit was accessed during the breach, he said that was handled by a Court Administrator and Equifax knew nothing about it!! I then was sent to another supervisor who said his name was XXXX ( and wouldn't give me more than that because he claimed it was Equifax 's security policy ). He told me the same thing the other supervisor did ( it sounded like the same person ). He told me to call XXXX XXXX XXXX or XXXX. XXXX. 

WHY am I getting a run around from Equifax now that my credit is unfrozen, and how can I find out what protection I have in the form of the free premier credit monitoring package I was promised after my information was compromised during the breach. What on earth are they doing over there!!!!
Complaint sub-issue: Threatened to sue you for very old debt

Today I was contacted by a company called XXXX XXXX XXXX and they told me they were calling over an " upcoming litigation '' being filed against me for an alleged unpaid discover credit card balance from decades ago ( they either said XXXX or XXXX. At that time I would have had my maiden name and that is not what they addressed me as ) for the amount of {$2300.00}. I don't recall ever having a discover credit card and I called Discover customer support and verified that to be true. This company has all of my personal information, including my social security number. The whole experience is rattling and I hope they can be caught and stopped.
Complaint sub-issue: Personal information incorrect

i sent a dispute XX/XX/2020 and still haven't gotten a response thats past 60 days
Complaint sub-issue: Company closed your account

I opened a Altitude Reserve credit  card with US Bank early this year. On XX/XX/XXXX, i wanted to buy a XXXX watch and tried to use this US Bank Altitude Research card to pay. However, it was declined. I called US Bank customer services and XXXX told me they would put a note and asked me to try in a few minutes. I tried the second time and its declined still, so i used XXXX card to pay. 

On XX/XX/XXXX, I was told this card was closed by US Bank, and i can not make further purchases on groceries. I spoke with US Bank and a lady told me they closed my account because i bought a luxury good and according the user agreement this card can not buy luxury good. Immediately after the call, this card is closed. 

In the next week, i called US bank multiple times to reinstate this card but they all said they can not disclose more information. 

My question is - 1 ) during the transaction, no XXXX told me that I can not buy XXXX watch with this card. they just said they would put a note and let me try again in a bit -2 ) i reviewed user agreement and didn't find any words saying can not buy luxury good - 3 ) even if it specifies on user agreement, banks should warn me for the first time and close account after second time - 4 ) US Bank charge me an annual fee {$400.00}, and they didn't refund after closing the account.
Complaint sub-issue: Information belongs to someone else

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Debt is not yours

On XX/XX/2020 Enhanced Recovery Company reported a false debt collection to XXXX  in the amount of {$200.00}. The debt is fraudulent.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Debt is not mine

Received a Debt from AR RESOURCES INC {$260.00} DEBT WAS DISPUTED. RECEIVED A LETTER FROM THIS COMPANY. 
Please be advised that your above referenced account has been closed in our office. 
AR Resources, Inc. will notify the credit bureaus to have this account removed from your credit report. 

I checked my XXXX credit report and this is still listed on my credit report. This was disputed with XXXX and they advised that it was verified. How can this be verified when AR Resources has advised account was closed.
Complaint sub-issue: Called outside of 8am-9pm

This company called my personal cell phone at XXXX.
Complaint sub-issue: Information is not mine

There are multiple entries on my credit report file that belong to my father, whom shares the same name with me. I would like the issue resolved as soon as possible, as to amend this situation. The incorrect entries are the following in the document attached : Reference Number : XXXX Reference Number : XXXX Case/Docket # XXXX I have never filed for bankruptcy, nor approved of any filing of bankruptcy on my behalf. Furthermore, the lease taken out for occupation at XXXX was not, and could not have been done on my behalf at the time as I did n't have a credit score or history ath the time of the lease. Again, as my father and I share the same name, it appears there was a clerical error in entering it on both of our credit histories.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX child support and Equifax inc. is violating my constitutional rights under the 11th and 14 amendments for the past 15 years. In a corporate bond scheme for profit, in an alleged contract agreement, creating a libel false claims on a monthly basis against my credit score. Which has effected my past, my present and may future. A debt of garnishment that must be done under a court order. XXXX XXXX XXXXXXXX. Section 7. When the supreme court has ruled. United States XXXX XXXX XXXX XXXX XXXX XXXXXXXX child support is a agreed contract that I have never agreed to, agreed with or agreed on. XXXXXXXX XXXX XXXX  XXXX created a gender discrimination against men. Enrolling them against their well.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I HAVE SUBMITTED DISPUTES TO EQUIFAX AND XXXX ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS CORRECT MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Didn't receive terms that were advertised

I opened the Citibank checking account with a specific promotion. Both the banker and the main brochure confirm that I am eligible to receive the promotion bonus of {$700.00} once I put new money of >= $ XXXX and keep them in the account for 60 days. 
When I opened the checking account 3-4 months ago, the banker double confirmed that as long as I put over $ XXXX in the new opened account and keep them for the required period, I would receive the {$700.00} bonus. 
However, everything looks to be cheating customers. After the completion of the program, I only received {$300.00} bonus instead of {$700.00}. Citibank says that only certain methods of deposit are allowed, and the XXXX transfer of just a few thousands dollars are not counted. 

It's really a behavior to cheat customers. Because the banker who opened the account for me emphasized and confirmed that the only requirement is to keep >= $ XXXX balance in the account for 2 months. However, after everything completes, Citibank says that a few thousands of deposit are not counted but the banker confirmed that there was no requirement on the deposit methods. 

I think Citibank is doing this to cheat customer. They hide the information to be not obvious at all and the banker mislead you on purpose. As a result, they can defend themselves that you keeping the $ XXXX balance in account for months does not meet the requirement so they DONT need to pay you the deserved bonus. 

It's the worst banking experience I have ever had. I put the $ XXXX in the account for almost 4 months but ended up NOT earning the bonus I deserve. All the misleading information is cheating customers on purpose to do things in the wrong way to avoid paying out bonus as much as possible. 
I just CAN NOT understand why the requirement confirmed by Banker ( holding $ XXXX balance in account for 2 months ) ended up to be not working.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 30 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.
Complaint sub-issue: Reporting company used your report improperly

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am writing a letter of dispute. I have included a copy of my driver'slicense and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative account records be verified, and/or removed immediately. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from 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
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX : # XXXX, XXXX XXXX : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.