Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with statement of dispute

I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all XXXX credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.
Complaint sub-issue: Frequent or repeated calls

I had 11 missed called from them in just 1 DAY.. not including emails. The calls come from different numbers every time I receive a call. When I answer and inform that I will not make a payment until I get paid I start getting harassed about paying my bill before my actual due date.
Complaint sub-issue: Public record information inaccurate

I used the " Secure Message '' feature on their online system to ask XXXX to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages XXXX times and dates show XXXX along with screen shots of when they did the hard inquiry.
Complaint sub-issue: Investigation took more than 30 days

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : I don't recognize this account
Complaint sub-issue: Reporting company used your report improperly

This is in regards to the Equifax cybersecurity breach. It is my understanding that I have been impacted by the breach.
Complaint sub-issue: Information belongs to someone else

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals   office. The items that appear on my credit report as :  1. AC COUNT NAME :   XXXX   XXXX   XXXX   #  XXXX  ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete.    2. A CCOUNT NAME :   XXXX   XXXX   XXXX   #   XXXX  ,  XXXX ,  ACC BAL   XXXX , {$28.00} This account is a duplicate never showed proof of claim error please delete.    3.  ACCOUNT NAME :   XXXX   #  XXXX   ACC BAL  {$100.00} This account was  Discharged in b ankruptcy was never updated properly error please delete.
Complaint sub-issue: Their investigation did not fix an error on your report

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 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 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: Funds not handled or disbursed as instructed

I signed up to use the Bright XXXX XXXX app in the XXXX app store. They provided my a 6 step plan, and step one was to fund a " rainy day fund ''. I deposited {$1000.00} into this " fund ''. I then shortly after withdrew it back to my XXXX. Its been 6-7 weeks later, I have not received the funds. The funds are not available in any account Bright XXXX Co has under my account or makes me aware of. 
The money is accessible nowhere to me as the consumer. I contact support throughout these 7 weeks, support responded with erroneous, and or completely irrelevant/incorrect information about my personal details and account with them. In addition, several other messages were ignored, or neglected. I'm initiating a small claims suit against the company in XXXX XXXX XXXX. However this companies practices is violating and disturbing that they think they can freely do this to people and get away with it. Please punish them.
Complaint sub-issue: Reporting company used your report improperly

I was potentially affected by the incident in which personal information was taken. I retrieved notice of this on XXXX XXXX, 2017.
Complaint sub-issue: Problem with personal statement of dispute

I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX XXXX   and car loan i did not apply for any accounts for XXXX XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!
Complaint sub-issue: Account status incorrect

My credit card account with Discover was opened XXXX XXXX, XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Discover, via phone, that my bank account on file experience fraud and I had to change the payment account with Discover to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. Discover kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/XXXX. I would like to have the charge off and closed account removed from my credit because this is the fault of Discover. I've reached out to Discover several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. Discover should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : Equifax, XXXX and XXXX multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my Equifax, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.
Complaint sub-issue: Information belongs to someone else

I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachmen t for one of The cre ditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with  XXXX  county to get these errors resolve in a timing matter. They are hindering me.
Complaint sub-issue: Application denied

I received a prequalified-to-apply mail from Citibank. On XXXX, I made a phone call to confirm that they will not ask for any type of citizenship or permanent residency documents, since I had heard from two other people that they have asked for those documents from foreign nationals with certain nationalities in the past. The operator replied to my inquiry as : " we will just ask about your nationality in your application and if not a citizen, a social security number, and a state ID or driving license would be fine in case we need to verify your identification. '' I submitted my online application the same day, and in a few days I received a letter from Citibank asking me to provide a US passport or a permanent residence card. When I called their customer service I've been told that for my case I have to visit a Citibank branch. Then the problem is that Citibank does not have any branches in the state of Hawaii, and the closest branch is XXXX miles away. They were only polite to say that we apologize if you called and you were mistakenly misinformed, and refused to remove the hard pull on my credit report. I also don't find it reasonable for a bank to advertise, sending mail offer, to the locations that they do not provide any local services.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. Equifax is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.
Complaint sub-issue: Reporting company used your report improperly

AFTER WORKING WITH A LAW FIRM : Unsolicited letters reopening old accounts that are paid for such as XXXX XXXX about XXXX  loan over 10 years ago including applying for credit and calling in for free report and denied by XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX amount {$4300.00} yall keep reporting that i owe supposed debt i never gave ANYONE permission to furnish anything on my consumer report pursuant to 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. i demand the written instructions because i know for a fact because i have first hand knowledge of the facts further more its violating my faith in god because he issued his servants the credit Proverbs 22:26-27 Do not be among those who give pledges, Among those who become guarantors for debts.

If you have nothing with which to pay, Why should he take your bed from under you?
Complaint sub-issue: Account status incorrect

I have an investigaton with CFPB involing XXXX on my equifax I have paid aall payments ontime except when I was hit by two natural Disastersh hit Equifax says they need more time to investigate this I feel Equifax should change XXXX to Current never Late on my Equifax credit report
Complaint sub-issue: Their investigation did not fix an error on your report

IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. I HAVE INFORMED THE EQUIFAX BUREAU OF AND THE CREDITOR THAT I HAVE BEEN A VICTIM OF IDENITITY THEFT AND I HAVE SENT CERITIFIED LETTERS XX/XX/2017 ASKING FOR THE DEBT VALIDATION AND VERIFICATION OF WHEN THE ACTUAL CONTRACTUAL AGREEMENT WAS SIGNED WITH MY ORIGINAL SIGNATURE AND I HAVE NEVER RECEIVED A SINGLE RESPONSE JUST A SETTLEMENT LETTER. I HAVE NEVER SHOPPED AT XXXX XXXX XXXX FOR ANY ITEMS. I HAVE WENT THROUGH ALL THE PROPER CHANNELS IN RESOLVING THIS MATTER AND NOW I AM MY LAST STRAW. MY IDENTITY HAS BEEN USED AND STOLEN BY SOMEONE I DO NOT KNOW AND EVEN THE EQUIFAX BUREAU CONTINUES TO PUT THESE WRONG ADDRESSES ON MY CREDIT FILE THAT I HAVE NEVER LIVED AT. THIS IS TRULY BECOMING A NUISANCE TO ME. I KNOW SOMETIMES BAD THINGS HAPPEN TO GOOD PEOPLE BUT THIS IS UNFORTUNATE I HAVE TO SUFFER ON THE COUNT OF SOME CROOK WANTS TO DEFRAUD THE SYSTEM. DURING THE TIME THIS ALLEGE ACCOUNT WAS OPENED I WAS CARING FOR MY AILING FATHER AND COULDN'T LEAVE HIS BEDSIDE BUT I TRULY WANT TO KNOW HOW THIS FRIVOULOUS REPORTING CAN CONTINUE.
Complaint sub-issue: Information belongs to someone else

I sent Equifax a letter disputing account ; XXXX XXXX XXXX XXXX and XXXX hard inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX  on XX/XX/2021. In the dispute letter I demanded that Equifax comply with Federal Law 15 USC 1681C-2 ( A ) 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. Equifax received my letter on XX/XX/2021. Today is XX/XX/2021, according to this law Equifax was suppose to block/delete this fraudulent account and inquiries 4 days after the date of receipt. Therefore, Equifax is in violation of Federal Law 15 USC 1681C-2 ( A ).
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened the US Bank checking account in XX/XX/XXXX with promo code XXXX. 
The checking account mentions if you have direct deposit of {$6000.00} or more, i will be given {$500.00} checking bonus. I did all the requirements but still i didnt get the bonus. Its been more than 60 business days.
Complaint sub-issue: Information belongs to someone else

Kikoff continues to harass me and fraudulently report a {$12.00} loan I never applied for. I am again telling them to stop reporting this loan to my credit report. MY FATHER opened this account without my knowledge. He had access to my phone and previous email addresses. He has opened a few other accounts in my name and these companies had no problem investigating the matter and stopped reporting. Kikoff is completely ignoring the police report that was filed verifying this crime against me but for some reason, Kikoff insists on harassing me by reporting this erroneous information. PLEASE review the police report, call the police department for verification and go after XXXX XXXX  for your {$12.00}! Delete this account now or I'll have to file a complaint with the XXXX  and XXXX Attorney General.
Complaint sub-issue: Information belongs to someone else

SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A XXXX  BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX  XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX ) The XXXX XXXX XXXX account has been on my report since XXXX ( 25 years ), it was closed in XXXX XXXX statute of limitations is only 7 years, so this account should have been DELETED in XXXX. 

XXXX ) XXXX XXXX  was last reported/closed XXXX, this also exceeds the statute of limitations of XXXX  years and should be DELETED from my credit report. 
XXXX has deleted this account after i requested it based on this fact. 

XXXX ) XXXX  was closed and last reported in XX/XX/XXXX per XXXX and XXXX, again this exceeds the 7 year statute of limitations and should be DELETED from my credit report. 

XXXX ) XXXX XXXX  XXXX XXXX XXXX was closed and last reported in XX/XX/XXXX, again the statute of limitations is only 7 years.This account is more than XXXX XXXX XXXX and should be DELETED from my credit report.
Complaint sub-issue: Public record

We filed bankruptcy XX/XX/XXXX  XXXX, our mortgage company at the time, was exempt from the bankruptcy.  However the credit bureaus show XXXX was included in the bankruptcy.  We have disputed this XXXX with supporting documentation and it still has not been removed.  Equifax says they need to contact XXXX.  XXXX filed bankruptcy in XX/XX/XXXX also.  We contacted XXXX at XXXX who informed us that they have no information on any accounts in our name or at our address so they could not help us.  Our account was in good standing (not late or missed payments) withXXXX when we filed bankruptcy.  XXXX took over XXXX accounts in XX/XX/XXXX.  We have continued to make our payments on time.  Equifax is saying they need another 30 days to investigate.  The original dispute was to remove this SAME incorrect information. We have not heard anything from XXXX.  Because of problems with their website we had to send the dispute by US mail.  XXXX is the only agency that has corrected the information.XXXX was sent the exact same information. Since filing bankruptcy we have worked diligently to re-establish our credit. We have done all we can and now we   need your help ASAP to get this information corrected. I had no idea that it would be so difficult and take so long when we had proper documentation. You are our last hope.  Thanks in advance.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.
Complaint sub-issue: Investigation took too long

I spoke with XXXX at Equifax of the XXXX team ( supervisor ). 

Investigate was submitted on XXXX XXXX for XXXX XXXX XXXX. Equifax claims it was completed on XXXX XXXX, 2016 however when I checked online the investigation still states case is still under investigation online. This is past the 30 day mark and the Creditor should be remove from my credit file.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXXBalance Owed : {$16000.00} XXXX XXXX  XXXXBalance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$480.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance Owed : {$980.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX