Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my creditXXXX XXXX  Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I applied for a Discover credit card that was not supposed to effect my credit score. But I have lost a point on my score
Complaint sub-issue: Information belongs to someone else

This is my continued request that I have been a victim of identity theft and seems like no one seems to care, that I want to dispute specific records in my credit file that do not belong to me or have an affiliation with me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00}
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I paid the mortgage at the end of the month which it was not 30 days past due and the company reported it as 30 days past due and when I wrote a letter for them to fix it they told me to go to the credit bureaus that it is their problem and the credit bureaus said it was the mortgage company that had to fix it. I havent been 30 days late and I would like this to be rectified and since the mortgage company and credit bureaus will not help I am seeking your help with this matter.
Complaint sub-issue: Didn't receive enough information to verify debt

In early XXXX I received a letter from First Collect dated for XX/XX/XXXX. It was a debt collection notice. There were 4 accounts listed as past due for a total of {$1000.00}. On XX/XX/XXXX I sent a certified letter for debt validation to First Collect. On XX/XX/XXXX I received a response from First Collect. It was another past due account notice, but only two accounts were listed for a total of {$520.00}. The letter stated that they have suggested that their client take legal action against me. They have failed to provide enough information to validate that this debt is mine and I am suggesting that they cease collection on this debt if they can not provide evidence that this debt is mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX | XX/XX/2019
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Credit Card Payment status Charge-off Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Terms Revolving
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT. THOSE INQUIRIES WERE NOT AUTHORIZED BY ME.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted multiple letters to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX  XXXX Balance Owed : {$5800.00} ; XXXX  XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}
Complaint sub-issue: Information belongs to someone else

I noticed some inquiries on my credit report that I didn't Authorize. I need to get them removed immediately
Complaint sub-issue: Reporting company used your report improperly

My consumer report is falsely reporting utilization that is my experience with a line of credit that was extended between me the consumer and the Company that is making the report to a non-affiliated party. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on a consumer report. You have violated FCRA 15 U.S. Code 1681 ( a ) ( 2 ) ( A ), by reporting the transaction or in this case its an experience because we are talking about the utilization on my consumer report which congress clearly states are not included on any consumer report, you have 10 calendar days to update my utilization to 10 % or below or delete all utilization from the accounts listed below. Failure to respond satisfactorily with the task on hand will result in legal action. I will also file a commercial lien with U.S Treasury XXXX IRS for collections and restitution for violating my rights and deformation of character. Your company willful noncompliance under 15 U.S. Code 1681n and criminal liability under 15 U.S. Code 1611 is not what Congress intended.
Complaint sub-issue: Information belongs to someone else

I have been denied a rental unit due to an unsuccessful attempt to gain access to my credit report via XXXX, who asked me for further identification using unfair and unrelated questions. I have been applying and getting denied for an apartment due to inaccurate questions being asked of me for further identification purposes through XXXX. I applied for an apartment on XX/XX/XXXX at XXXX XXXX XXXX . in XXXX, CA who uses a company called CoreLogic ( Rental Property Solution ) to run credit reports through XXXX. I paid {$35.00} ( Twice ) and was told that I needed to further identify myself through a link sent to my email with questions that were supposed to pertain to myself, randomly selected and provided by XXXX. The questions I received did not pertain to me. For example, I was given a question asking to choose a phone number I am associated with, I either have never had these numbers or they are so old that it is unfair to ask me to remember them and then deny me when I don't. Another examples would be a question asking me to choose the person whos birthday falls on a particular date, not only did I have no association with the people listed in the multiple choice question, but it is unfair to assume that I would know their birthdays even if I had known them. I was charged twice for this service and two hard inquiries have been put on my report regardless of the fact that it was the same company and they said they were unable to run it due to inability to verify who I am. I am in desperate need to have this issue resolved, as I can not find a place to live if I am constantly denied due to unfair questions asked of me. My two-year old daughter and I are within weeks of being homeless due to this issue. I need these questions removed pertaining to people, phone numbers and any other information that does not pertain to me. Seeing as I do not know what questions I will be asked ahead of time, there is no way for me to inform you of which future questions I may be asked that will be incorrect or that I can not answer. I am requesting that XXXX provide my report to CoreLogic, as previously authorize, twice, and remove these questions that were asked of me so future inquiries will be process without delay. I would also like those two hard inquires from Rental Property Solution ( dated XX/XX/XXXX & XX/XX/XXXX ) taken off my report as it is unfair for my report to be impacted by an inquiry that could not be completed once, much less, the two times it is on my report from the same company, for the same reason. Thank you for your time and I look forward to a resolution.
Complaint sub-issue: Account information incorrect

On XX/XX/2020 I was laid off due to covid-19. I was leasing an apartment from The XXXX XXXX XXXX XXXX, I contacted the leasing agency XXXX  XXXX  ( XXXX XXXX XXXX XXXX XXXX in writing with proof that I was laid off and requested to enter deferment. He wrongfully told me that in order to enter deferment I had to pay 50 % of my balance, which I could not. They then proceeded to put a 3 day notice to quit on my door or I was getting evicted. So I moved out and upon moving out they added a bunch of late fees to my bill, and sent me to collections with IQ DATA debt collector. ID DATA demanded money and would not hear me out that The XXXX XXXX XXXX XXXX wrongfully would not let me enter deferment, demanded all of the balance including the late fees and the entire rest of the lease even though I had vacated. IQ DATA then reported to the credit bureau and I have been trying to resolve and dispute this for months.
Complaint sub-issue: Personal information incorrect

Address : XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I moved to my current address XX/XX/XXXX, I just signed another year lease. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Reported XX/XX/XXXX. I do not know this address, I never have been associated with this address. 

XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Reported XX/XX/XXXX I do not know this address, I have never been associated with this address. 

XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I have never associated with this address ; I do not know this address and never have been associated with this address. 

In addition, XXXX has my name missed spelled. My name is XXXX ' XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

there has been some misuse to my credit file and there are some unauthorized hard inquires on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an account on my credit report from XXXX that is not mine. I had sent a letter asking for validation they couldnt prove validation and said it was going to be deleted, somehow it got put back on without any acknowledgment and I disputed it again and all that happened was a summary put on my credit report stating account validated. How can they validate this? I have not received any kind of validation or proof of contract with my signature with XXXX.
Complaint sub-issue: Information belongs to someone else

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3400.00} XXXX {$3000.00}
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and I submit this complaint with regards to the fraudulent information being reported on my Credit report. I sent a letter on XX/XX/XXXX to remove personal information, address, accounts, and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXXIve already included this in my previous Complaints & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$350.00} US SM BUS ADMIN XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX  date of inquiry XX/XX/XXXX
Complaint sub-issue: Trouble getting, activating, or registering a card

Sir or madam, To whom it might concern, I wouldreally appreciate if you would take to consideration my request in regard to resolving my debit card issued on XX/XX/20 witch is showing on my Unemployment statusprofile, witch I never receive. 
I tried to reachUnsuccessfully Key Bank during past 7 weeks over the Phone, total of about 20 hours. 
As a result I know that an unemployment representative sent an email regarding my missing card to KeyBank two weeks ago, I still have no response on this email. 
I tried to reach KeyBank on XXXX and they refered me to the link where I can not find any resolving solution, because I do not have my debit card in my possession, and also the phone number where I cant find any Success of connecting with a KeyBank representatives. 
I would really appreciate if you can help me get my debit cardmailed again. 

Thank you.
Complaint sub-issue: Can't decrease my monthly payments

Discharging my federal student loan. 

I am a former student of the XXXX of XXXX, From XXXX. I also was duped into enrolling with false promises! With aggressive recruiting tactics. That no matter what they wanted me on the the hook, With a federal loan, for A predatory school. With many of my instructors barely educated in the field themselves to which they were teaching. 

Am I to remain on the hook for debt I owe to the Department of Education? For a degree that is worthless, no more than the paper it is written on. 

The promises that were made to me and others at the art institute were that, at the end of my education I would be able to find a position in my field and begin the long road of repaying the loan back. 

But that was not the case. The job career center that the school offered only had jobs with really low paying positions, and had nothing to do with my field of study. An example being, a fast food restaurant. 

With more than XXXX in debt that can not realistically be paid off with the small amount of wages I currently receive and the HIGH cost of living.
Complaint sub-issue: Information belongs to someone else

Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. I can never get a representative located in America, its always XXXX or somewhere i can't pronounce. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.
Complaint sub-issue: Reporting company used your report improperly

I am an individual who is potentially impacted by the Equifax credit bureau leak. This comes as the result of gross negligence and makes me a risk for identity theft for the coming decades. 

Operating a system that was easily defeated, after storing my name, address, DL #, CC # and SSN in plain text is not only foolish, but dangerous and willfully negligent. In addition to this, the time delay of notification, as well as the corrupt affect checker is in serious breach of the law.
Complaint sub-issue: Problem with fees

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Consumer Financial Protection Bureau Complaint # XXXX Macys account ending in XXXX Dear : Mrs. XXXX, It appears that the Department Stores National Bank ( DSNB ) may need to reassess their decision to have asked you to review and  respond on their behalf. 

Based on your response to this complaint, it appears that you are not capable of handling this complaint and is deeply concerning. 

In response to your response to my complaint you stated, " Our research determined that you were attempting to download the statement prior to the statement closing date, which means the statement was not yet available. '' Mrs. XXXX, this claim is not true! 

Attached is screen shot of the date XX/XX/XXXX that shows that the system does not allow you to download the statement in PDF, and only allow you to download the spreadsheet option. Having to wait 6 days after the statement closing due date is unacceptable. 

Secondly, in your next quoted statement where you say, " We found no correspondence sent to you which provided you with the information an {$11.00} minimum payment was due. '' For you to say, " If you can provide additional information to the above address we would be happy to research this further. 
And not even look at the complaint shows that you have no respect for customers sincere concerns and honestly is quite embarrassing. 

Actually it doesn't take any research at all, all you have to do is look at the attachments to the complaint. The evidence clearly shows that information was sent to me by email from Macys showing a balance do was {$11.00}.

Can you please explain Why are you asking me to provide additional information to your address to research this further and Why are you apologizing for difficulty, l experienced with viewing my statement online when that information is attached and available right now in the CFPB complaint and not even thoroughly look at my response? 

I would request that you relinquish yourself from addressing this complaint because you obviously don't take this complaint seriously. 

Sincerely, XXXX XXXX XXXX cc : -CFPB -Main Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX -Macy 's XXXX
Complaint sub-issue: Inadequate help over the phone

XXXX is XXXX same account ( XXXX ) which is listed on my Equifax credit report three times. This fraudulent account belongs to my daughter XXXX XXXX and not me XXXX XXXX and I am asking for this account which is on my credit report 3 times to be removed immediately. I have attached a notarized letter from my daughter informing XXXX as she has before that I have no affiliation with this account. I did not reside at the address on there application nor did I sign. I have also again attached my signature and ask for the immediate removal of the fraudulent debt. This debt has been on my reports since 2007.
Complaint sub-issue: Account information incorrect

XXXX has on my credit report date open from XXXX XXXX on XXXX XXXX but first reported on XXXX XXXX and 72 months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of {$1900.00} Equifax showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency 120 days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX Equifax closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.
Complaint sub-issue: Problem during payment process

The account in question in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX  I tried calling to defer the payment and could not reach anybody at US Bank. When I was well enough to work I did make the payment immediately.
Complaint sub-issue: Funds not handled or disbursed as instructed

I was originally a new customer with Citi Bank and only had the account opened for a few weeks and right after I got my second deposit from my job Citi Bank decided to close my account. Then went to inform me that they couldn't give me any other information in regards to why or even what happened to the account and that a check would be issued within 30-60 business days, I still have currently {$800.00} dollars in the account that I have absolutely no access to as if bills just stop and here it is 30 business days in and no new information, no check in the mail I'm pretty sure no check will ever come. I've called and tried to receive any updates and they keep hanging up in my face or putting me on hold, and also told me wait an additional 60 business days, I also tried contacting a branch to see if they had any info they could give but the bank manager answered the phone and straight up told me " Citi Bank picks and chooses who they want to bank with and it's not you " and hung up the phone in my face as well. At this point I'm out of options and I need to figure out how to get my money back from this fraudulent bank. I am not the first victim of this exact issue, this is something Citi Bank does on a regular basis I just wish I new before banking with them and trusting that my money would be safe.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 RE. We have disputed this account.
Complaint sub-issue: Their investigation did not fix an error on your report

Each time I call Equifax and XXXX and dispute an item or send them a letter asking them to provide me specific documents verifying my account, they lower my credit score. I have paid all my bill on time and even paid nearly {$8000.00} on one account in XXXX. My credit score should be increasing rather than decreasing. I have approached both agencies about this and they can not give me an answer. I am on the phone hours at a time trying to resolve the problem with my credit score and they are refusing to fix the problem. I did not have any negative reporting to make my credit score go down as low as it has. I have attempted to resolve this problem with both credit agencies and they have failed to attempt to make things whole and right in the matter. The agencies can not even tell me what caused my credit score to go down.