Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Complaint sub-issue: Their investigation did not fix an error on your report

I acquired my credit report and asked the credit bureau to check and make sure everything was complete, and accurate to 15 USC 1681 I ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. 

And I searched the company, gave my information to different collection agencies this is not accurate I am going to attach account numbers. 
There is same account but different collection agency please take it seriously I have a right for dispute duplicate account from same company this is violation this is impacting me from moving forward I attach my previous credit report in my new credit report to show how equfax violated my rights Collection Agency XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

There is a BK that isn't mine, and there are some accounts that aren't mine. Please remove them immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to Equifax, regarding the numerous inquiries. Equifax representative told me that there is nothing that can be done. I have a fraud alert placed on the account, and explained that I did not apply for credit. But, again the representative told me there was nothing that could be done.
Complaint sub-issue: Reporting company used your report improperly

Accounts XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX Equifax Account XXXX XXXX  Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Having problems with customer service

I applied for an income driven repayment plan ( REPAYE ) and my loan servicer, FedLoan Servicing, decided to sign me up for the standard plan instead. I filled out the application and transferred the tax info. I do n't know what the problem is. They pulled the same XXXX last year and it took two months and multiple phone calls to get them to sign me up for the plan I requested. They also do not respond to emails, and I can not afford to take a day off of work to figure out why they can not do their jobs.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/XXXX, XX/XX/XXXX, Equifax are ALL Falsely reporting a credit card charge off from XXXX XXXX XXXX that is 8 years old. All 3 basing the information on information provided by XXXX XXXX XXXX .... but XXXX XXXX XXXX claims they have no record. XXXX XXXX XXXX claims their records only go back 7 years and they have NO information .XXXX, XXXX , Equifax are Damaging my credit with NO documentation from XXXX XXXX XXXX that would Support a Derogatory credit card report.I have contacted all 3 agencies and all 3 Refuse to provide documentation to support their consumer credit reports
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account : XXXX has violated my rights ; 2. XXXX XXXX XXXX  XXXX has violated my rights ; XXXX. XXXX Account XXXX has violated my rights ; XXXX. XXXX XXXX Account XXXX has violated my rights ; and XXXX. XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states : I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 : states : " a consumer reporting agency can not furnish an account without my written instructions. ''
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, I have a Macy 's XXXX XXXX credit card. Please find the sequence of events below : XX/XX/XXXX : Used the credit card to purchase a product online from XXXX and have it shipped internationally. 

XX/XX/XXXX : The product was never delivered. I had opened a dispute. Received a document online from XXXX XXXX detailing that the dispute is being looked into. 

XX/XX/XXXX : Received a refund to my checking account. However, I was again charged the same amount on the credit card, effectively nullifying the refund. 

XX/XX/XXXX : I called XXXX XXXX credit card again and explained the issue, they noted this down on my case. 

XX/XX/XXXX : I had not received any updates. Called XXXX XXXX credit card again. Another case was opened. 

XX/XX/XXXX : The case was marked as resolved by citing " Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. ''
Complaint sub-issue: Account status incorrect

Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX. recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( Equifax ) - Letter by XXXX XXXX XXXX dated X/XX/2016
Complaint sub-issue: Debt resulted from identity theft

This formal complaint concerning and XXXX their business practices.ERC is reporting a debt is not mine This bureau continue to report inaccurate information. 

In the years from XXXX my identity was stolen. I discovered this because an auto loan was opened and several inquiries, where someone has continued to apply for credit in my name.
Complaint sub-issue: Threatened to take legal action

yes the collection company did respond and they will accept lowere payment XXXX XXXX om medical bill..but i want it in writing on that amount first before i sewnd payment in too them
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX 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 an account without my written instructions.
Complaint sub-issue: Public record information inaccurate

I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children
Complaint sub-issue: Company closed your account

I received an email stating that my credit card account has been closed. I did not authorize this closure. I was not notified until after the account was closed. The company did not give me notification beforehand that the credit account was going to be closed due to in activity. This credit card has been on my credit report for 10 years. By citi cards closing the account, it with ruin my credit. I have tried to resolve this with them but they said they gave notice before hand. I have all messages in the online portal and the only notification i got regarding account closure was after the fact, when they had already closed it. attached are the only notifications i received.
Complaint sub-issue: Investigation took more than 30 days

I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.
Complaint sub-issue: Debt was result of identity theft

ENHANCED RECOVERY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$810.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: No notice of investigation status/result

the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THE INQUIRIES BEING DISPUTED I DID NOT AUTHORIZED THOSE, PLEASE INVESTIGATE AND HAVE THOSE REMOVE OFF MY 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 Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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: Reporting company used your report improperly

Sharing my information without my consent, reporting false inquiries on my Consumer Report Damaging my credit score with false information.
Complaint sub-issue: Account status incorrect

I have 2 Federal Student loans that are showing delinquent payments on my credit report from XX/XX/XXXX - XX/XX/XXXX. These accounts were General Forbearance from XX/XX/XXXX - XX/XX/XXXX. These accounts should not show this incorrect information as it is causing me issues in obtaining a first time home buyer mortgage.
Complaint sub-issue: Information belongs to someone else

1. ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thru XX/XX/XXXX timeframe. 2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. 3 ) Further, based upon the published requirements for membership to this credit union, XXXX XXXX would have been ineligible for legal membership or services due to : 1 ) The fact he was living abroad when these accounts were opened and utilized. ( Figure A ) 2 ) In conjunction with Item 1, XXXX XXXX status as an Iowa resident ( verified thru any and all identification documents which he has possessed that are valid and legal, would have made him legally ineligible for membership. 4 ) XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX XXXX XXXX to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410 Records to be made and retained by banks and Opening Account Procedures. The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C. 1692 It is because of these facts, and the documentation, provided which proves that these two accounts were in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX to the following Accounts # On XXXX 1.XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX 2. XXXX acct # shows 2 late payments 3XXXX XXXX XXXX shows 3 late payment 4. XXXX XXXX shows 2 late payments 5 XXXX shows 2 late payments. 
According to the the below statues my rights have been violated. Under the following : 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 a credit card account under an open end consumer credit plan as late for any purpose. 
Each of the XXXX major credit bureaus are in direct violation of their reporting. 
I request that these be removed immediately.
Complaint sub-issue: Frequent or repeated calls

They started to call me one day and said the name of the person they where looking for and I told them many times I don't know who the person is they're looking for nor have they ever lived at this address with this number. Now they call me several times a week. Every time they call it's a different person from the same number asking about this person and I keep telling them the same thing. I don't know how they got the name mixed up with this number but they have the wrong contact information.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  sent me an email that looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items form my report.
Complaint sub-issue: Public record information inaccurate

XX/XX/2022 .I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating that " They do not report any bankruptcies to anybody.So if that's the case.How did the credit bureau add my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 section 603 ( 3 ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1881. 

According to 15 USC 1681 section 602 A. States I have the right to privacy According to 15.11.5.0.1681 Section A Section 2 also states..comodi.ac. can not fumisha account without a Uten instructions
Complaint sub-issue: Was not notified of investigation status or results

I submitted a complaint with the CFPB XX/XX/2022. It was for the account # XXXX XXXX is falsely reporting I requested it to be removed.Equifax did remove the account as it should have been. I didn't receive a written or email response from Equifax. I'm requesting to receive investigation results of removal of the falsely reporting account in writing.
Complaint sub-issue: Investigation took more than 30 days

i have filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and have yet to receive any investigation results.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I applied for the Citi AAdvantage Platinum Select card through the XXXX XXXX website because they offered a {$250.00} statement credit on XXXX XXXX purchases if approved for card when applying on XXXX XXXX website. I called Citi bank on XX/XX/XXXX to see if I will get the credit before I booked a {$270.00} flight with the card. The representative said she put in a request for me to get the credit and it was a guarantee that I would get the {$250.00} credit and it will show up on my bill before my first payment was due ( XX/XX/XXXX ). Because the representative said I would get the {$250.00} credit, I booked the flight shortly after our conversation. Since then, I have spoken to numerous representatives from Citi on the phone and received 2 letters in the mail saying my account is in fact, NOT eligible for the {$250.00} credit. Now that my credit card bill is due 2 days from now ( on XX/XX/XXXX ), I am paying {$250.00} more than I was expecting to pay because of the misinformation given to me. My buying the flight was contingent on getting a {$250.00} statement credit so had the representative told me the correct information in the first place that I was not eligible or that it was just a possibility, I would have done something different with my money when buying the flight and in the mean time. Now, I have a bill that I was not expecting to pay and can not afford because I was told I would absolutely, 100 % get the credit. I have spoken to many people from Citi and XXXX XXXX about this and they have not helped me. The representative from XXXX XXXX said that because I was told I would get the credit, they would honor what they said and give it to me and I still have been denied it. I am very unhappy that I was told the wrong information and now I have to pay a very large bill because of the employees at Citi.