Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Confusing or misleading advertising about the credit card

Discover keeps sending me " pre-approved '' offers, falsely making me believe that the application is just a formality. When I submit the application, they decline it and in the process they damage my credit score. Similar to the " dark patterns '' of which XXXX XXXX was found guilty. 
And then on top of that, they KEEP sending me these offers.
Complaint sub-issue: Information belongs to someone else

I have on numerous occasions filed a dispute for fraudulent information on my EQUIFAX credit report. I'm a victim of identity theft ( 2 times ) and disputed 3 inquires be removed from my EQUIFAX credit report. They have refused to help every time. I have talked to the company that made the inquiry and they closed or canceled any pending applications. The inquires come from XXXX XXXX. Someone tried to open a credit card in my name several times. I was also part of the EQUIFAX breach in XXXX and they still refuse to remove these negative items from my credit report. This is unacceptable and they should comply with my request and remove these fraudulent inquires from my report. EQUIFAX also continues to use a previous address ( 12years ago ) as my current address, even tho when I file a dispute on their website, I use my correct current address. 

I hope someone can help me and I have received no help from EQUIFAX. They continue to deny my request. 

XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card XXXX.
Complaint sub-issue: Information belongs to someone else

How Im the world can yall update my credit score with closed accounts late payments if its closed wats late on it its against the law to to do that please stop updating my account wit those accounts thats closed and fraudulent they are are fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more if a account is closed and fraudulent how am i continuing paying for the stuff if its close please remove these items off my credit report they are fraudulent and not mines please please remove them
Complaint sub-issue: Information belongs to someone else

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following -- - XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX 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

Hello, I have sent in the requested information and the item is still appearing. Why is it not removed? I have sent in everything that was required from me.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.
Complaint sub-issue: Account information incorrect

On XX/XX/2019, I tried to obtain in-store credit line ( from XXXX XXXX XXXX ) to purchase new couches at XXXX XXXX XXXX, XXXX, WA. I was denied credit. The reason in the letter they sent me, later, was because " poor credit performance ''. It also stated the key factors that adversely affected my credit score ( which they labeled as XXXX ) was " Insufficient credit history, a combination of address withe other identity elements is generally associated with risk consumer associated withe address changes, hih number of recent applications using address. '' This information about my credit was obtained from DataX ltd ( an equifax company ), XXXX XXXX NV. I reached out to DataX to get the report they sent to XXXX. After completing the appropriate paperwork and submitting it with the proper ID, what i got shows no credit history at all. I spoke with a gentleman ( who was extremely nice and helpful at DataX ) and he mentioned that my lack of information might be due to the fact that I don't use short term credit. 

I have had credit in some form since I was 19 or 20 years old. After seeing this lack of information from DataX, Ltd, I obtained 2 of my 3 free credit reports for the year from XXXX and Equifax. I frequently monitor my credit on XXXX XXXX as well. My credit reports show all of my accounts in good standing. 

I'm beyond frustrated with how I was treated the 2 times I tried to call XXXX with their customer service agents being rude and condescending. I understand that because i was applying for credit, it was a hard inquiry on my credit report. However, I am responsible with my spending and line of credit I have open, I would've not applied for credit knowing I would be denied ( this has never happened to me before ). I applied knowing companies frequently want to give me loans since I am a good steward of my money and pay my bills on time and have a good credit history. Because of this hard inquiry, my credit score dropped over 25 points.
Complaint sub-issue: Information belongs to someone else

There are a significant number of hard inquires on my credit report.

I do not recognize nor authorize these. I have written to the credit bureaus but have not heard back yet.

I demand all hard inquiries by someone attempting to make me a victim of identity theft remove ALL the hard credit inquiries as well as any address other than XXXX XXXX XXXX, XXXX XXXX, Sc XXXX. Some have XXXX but h

ave not removed it despite my request. One company even sent me a letter stating they had researched these credit places - which should all have a freeze on them!!! I have letters from all gf them that the credit line is frozen!!!
Complaint sub-issue: Information belongs to someone else

I've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX/ 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 )  XXXX XXXX/ XXXX
Complaint sub-issue: Debt was paid

Due to medical problems I set up a Hardship Program for payment of a credit card with XXXX XXXX XXXX and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is FMS, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of XXXX XXXX for over XXXX years and have never had a problem until now.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to Equifax XX/XX/2021 ( Confirmation number : XXXX ( Dispute Response Attached ) ) with supporting documents ( Attached Are Billing Statements ) to back my dispute for the investigation and the investigation completed XX/XX/2021. Equifax did not update any information pertaining to the account in question but instead continue to report the account with inaccurate account history information after providing supporting documentation. 

The payment history is incorrect, highest balance reported is incorrect, creditor classification has been change since the dispute completed to show as not being a credit card and it is in fact a credit card with revolving terms, the terms frequency should show as monthly. 

This company claims to report to all 3 major credit bureaus but has only reported to 2 which are XXXX and Equifax. I submitted a dispute to XXXX XX/XX/2021 about the same issues and XXXX deleted the account XX/XX/2021 instead of updating the account information in question because the creditor didnt respond to the open dispute.
Complaint sub-issue: Received bad information about your loan

I not only should qualify for borrower defense to repayment, I should also qualify for public service loan forgiveness and I am just getting the runaround on both of these issues from XXXX. My loans were put into forbearance while my borrower defense application was being considered, I did not ask for my loans to be put in forbearance they chose to do that, but all of a sudden now I see I have a payment due in XXXX. I put in my application for public service loan forgiveness recently, for the second time, and they are saying they never received my first application which I did in 2016. I provided all of the documentation to show that I worked for XXXX   XXXX for the past 11 years and they are saying that I only qualify for four payments. All of this is a giant mess and it is so negatively affecting my life to the point that I really may become homeless because I have to pay such high rent because I can't qualify for any kind of mortgage because of my student loans which should be forgiven either through borrower defense or through public service loan forgiveness. I can not get a straight answer from anyone on any of this. I am a XXXX XXXX I am making no money and I'm doing the best I can I really need help!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I know dates are from today XX/XX/XXXX back in XXXX i was given a lot of inquiries of my credit report that was not only false but because I asked to do soft pull rather then taking my points off my credit score and I need to dispute all my inquiries from all credit bureaus can someone please help me I was told to contact here t get some help
Complaint sub-issue: Debt is not yours

Several Weeks Ago I did an annual credit report pull and I noticed some fraudulent behavior, I was charged {$840.00} from I.C. Systems w Inc XXXX XXXX XXXX On my XXXX  Account. For an account Ive never personally seen before which brings me Slight Concern.
Complaint sub-issue: Debt is not yours

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

CITI XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX, XXXX, AND EQUIFAX. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNTS STATING THE INFORMATION WAS CHARGED OFF. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND IT SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. JUST BECAUSE XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Problem with rewards from credit card

We used Citi AAdvantage Card for our flight from XXXX to XXXX. However, our flight got cancelled due to weather and we stayed in XXXX for one more night and waited about 24 hours to get to another flight. We checked with Citi staff on the reimbursement issue but they didn't reply to us in about a month. 

Claim Number : XXXX - Citi card ending : XXXX
Complaint sub-issue: Account status

A medical office sent a bill to collections that was not suppose to be sent because. They where suppose to automatically with draw from my account and did not. So it was sent to collections. But it has since been pulled from collections because of there mistake.
Complaint sub-issue: Account status incorrect

I am currently in a chXXXX bankruptcy filing status which XXXX is aware of and they have continued to report payments as late after my bankruptcy filing.
Complaint sub-issue: Information belongs to someone else

I've previously sent twelve letters to the credit bureaus asking them to take the disputed entries related to the identity theft off my credit report, but nothing has happened to yet. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. I sent numerous letters to the credit bureaus with complete attestations of my personal information and the FTC 's ID THEFT REPORT, and I had assumed that these items had already been removed, but because it is required by FCRA regulation 605b, I'm sending this complaint to help with laying out a legal defense. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent a letter out to all three credit bureaus about my disputes and inquiries that I didn't have any knowledge of I also sent them my FTC report because my identity was stolen, they still have all these accounts and inquiries on my credit report this is affecting my life I'm not able to do anything my life is ruined can someone please help me these accounts are XXXX XXXX but it's a closed account XXXXXXXX XXXX it's also a closed account and XXXXXXXX XXXX  and it also is a closed account all of the inquiries have been removed from XXXX but not Equifax and XXXX I've sent them letters and pictures of my identity and social and they failed to send me proof of signature showing I in fact authorized these accounts and inquiries.
Complaint sub-issue: Reporting company used your report improperly

My information was used improperly. I did not give permission for these companies to use my information.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. The list of account below has violated my rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C section 602 A, 15 U.S.C 1681 604 section 2, 15 U.S.C 1681c and 15 U.S.C 1681S-2 1. XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have wrote them time after time to tell them to remove fraudulent information reporting on my credit and update my credit file
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX  XXXX XXXX ) XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Equifax XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled the items I dispute on the attached copy of the report I received. The information XXXX  XXXX XXXX XXXX XXXX, Equifax Information Services LLC and XXXX  XXXX XXXX XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

I have currently snap shots on my phone displaying inaccurate credit score ratings XXXX  is rating my credit score at XXXX, XXXX  rates my credit at XXXX and Equifax rates my credit at XXXX. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I fell like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items writing 30 days gives a reason to immediately remove these items from my credit report. It has be over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information may also have been impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account status

Equifax is reporting an account for XXXX XXXX that was discharged in my Chapter XXXX Bankruptcy XX/XX/2003. The account is over 7 years and in violation of FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Certified Mail No. XXXX XXXX XXXX XXXX XXXX United States Postal service document to remove inquires that are inaccurately reporting and not 100 % verified thereby must be removed
Complaint sub-issue: Report improperly shared by CRC

XXXX XXXX performed an inquiry on my credit that was for prescreening. I never authorized an inquiry on XXXX XXXX, 2016 that would be an impact on my credit.
Complaint sub-issue: Attempted to collect wrong amount

disputed XXXX bill was put into collections in the year 2006, no action was taken by XXXX at that time. now a collection company by the name of jefferson capital is trying to collect the amount owed to XXXX and it has been over 10 years from the date we had the dispute on the phone service plus it was on the credit report still. ilooked online about jefferson capital and a lot of the reviews said that they change the dates of the collection dates so they dont go over the 7 years allowed by law to collect
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}