Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

On XX/XX/18 I was denied application into XXXX XXXX XXXXXXXX XXXX XXXX due to a credit/consumer/background/criminal report done by XXXX XXXX   XXXX XXXX . They said that my tenant risk score was too low even though my Transunion tenant score was higher. When I asked how the score was derived XXXX told me Corelogic does the score. When I called Corelogic they said  XXXX does the score. XXXX sent me Corelogics flyer and according to it I should have qualified with no problems. I have a long standing work history with the same employer, no evictions, no criminal record and no collection or past due accounts. I lost out on a purchase of a condo with no explanation. I wanted to appeal but the owner had another offer which was higher than mine so I refused. I believe the association management company XXXX XXXX XXXX adjusted my score with the help of Corelogic.
Complaint sub-issue: Debt is not mine

XXXX EOSCCA XXXX MA XXXX The company above has called my house for the last 2 years for a person who does not live here. I have told this company over and over XXXX does not live here and has never lived here to remove our phone number from their system. I also advised them I have no clue who this person is. Each time I talk to them they tell me they will then I receive more phone calls from them.
Complaint sub-issue: Debt was result of identity theft

I mailed off my letters off on XX/XX/2021 with my FTC report well as FCRA 605B ( 15 U.S.C. 1681A States ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX Equifax & XXXX all have violating my consumer rights by not having these items DELETED within 4 business dates
Complaint sub-issue: Personal information incorrect

I set up an account with XXXX XXXX XXXX and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX.
Complaint sub-issue: Attempted to collect wrong amount

This is kind of a XXXX part debt issue. I received bills for services for my children. I sent the hospital my child support orders that state that I am only responsible for a certain portion of the bill. I have communicated with them that I should only be billed for what I'm responsible for, they told me that I need to pay it and get it from my children 's father. I've told them multiple times that I barely get child support why would I pay a debt that not mine per my child support court order. Hospital send the bills to collection after like XXXX months even though it takes them longer than two months to get me a bill. I contacted the collection company and provided them with the child support orders, I've paid more than I should have or medical bills and they need to send the bills to the children 's fathers and to quit harassing me for them. The balances are not correct and I have requested that hospital reflect what is due from me and I have paid my portions.
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 XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX ( XXXX Creditor XXXX XXXX AAA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX
Complaint sub-issue: Banking errors

I received the attached email on XX/XX/XXXX, of XXXX and followed the steps below to open the account with a {$15000.00} initial deposit that I left in the account well over 60 days. In the beginning I was not able to fund the account because it required that I receive a debit card in order to make the electronic funds transfer. 

I called Citibank three times in the beginning letting them know I still have not received my debit card so that I can transfer the funds in 30 days. I asked the representative to note in my account that I had not received my debit card, thus could not make the required deposit within 30 days. They assured me I would still receive my bonus and told me that would note that in my account that I am still eligible for the bonus and sited that I did not receive the debit card yet to make the required transfer. 

Finally, I received my debit card in the mail and made the funds transfer immediately of the {$15000.00} which cleared on XX/XX/XXXX. I left the {$15000.00} in the account all the way to XX/XX/XXXX ( well over the 60-day requirement ) at which point I withdrew {$5000.00} of the money ( leaving {$10000.00} in my account to avoid monthly bank fees ). 

Since my funding of the account I have yet to receive my bonus and I have called them about 8 times inquiring about this. The last two times that I contacted Citibank about this are on XX/XX/XXXX where the woman I spoke with told me she would but in a request for my review. She had asked me for the promo code and I told her I did not see any promo code in the attached email, when she said don't worry I will look it up and put in the promo code for you. The Promo code that the representative put in was not the right promo code as I received the attached message saying that my promotion expired on XX/XX/XXXX ( obviously she put in the wrong promotion code ) I have attached that letter as well as my history of deposits and balances. I called Citibank again today on XX/XX/XXXX at XXXX and spoke with a supervisor named XXXX XXXX Employee ID # XXXX ) and she said she will send my information back for review again within Citibank . Since opening the account, I have only received XXXX cents in interest. 

I have asked Citibank if there is a way I can forward them the attached email that they sent me on XX/XX/XXXX and they said they have no way of doing that. This has dragged on far too long, thus the reason for my complaint.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX I submitted the attached employment certification. 
I have not not been given credit for XX/XX/XXXX to XX/XX/XXXX. The company insists there was a typed or type like signature. The attached is in BLUE ink and is a hand written signature. 

On XX/XX/XXXX I submitted the attached employment Certification from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX certifying I was employed there for XX/XX/XXXX to XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

Privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # XXXX, Account amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$800.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX Account # XXXX, Account Amount : {$1900.00}, Account Name : XXXX XXXX XXXX XXXX, Account # XXXX, Account Amount : {$360.00}, Account Name : XXXX XXXX XXXX XXXX, Account # XXXX, Account Amount : {$1000.00}, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Amount : {$9900.00}, Account Name : XXXX XXXX XXXX XXXX, Account # XXXX, Account Amount : {$500.00}, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Acount Amount : {$270.00}, accounts 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 permission instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Debt was paid

Hello, this company placed a debt collection on my credit file without notifying me first. As a result my credit has been impacted negatively. They finally sent me written communication stating that if I paid a settlement amount that this debt would be removed from my credit report by XX/XX/2021. I have paid the settlement amount in full and I have verification of that payment along with verification of the letter that they sent me. This collection still remains on my credit and it is after XX/XX/XXXX.
Complaint sub-issue: Debt was paid

I went to a emergency room for medical problems that I was having The veterans administration paid both bills and notified myself that the bill had been paid in full. I then looked at my credit score and it had dropped a substantial amount because the bill was turned over to PMAb collection agency and in turn they posted on my credit report as a collection. I have tried to contact the XXXX XXXX hospital to clear this matter up and to tell them I had paid the bill on there website but I have had no success. My credit fell dramatically and is hurting my buying power.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/ 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$160.00}
Complaint sub-issue: Account information incorrect

I checked my credit and I saw XXXX XXXX reporting me a charge off when this account was paid in full I reached out to XXXX XXXX and they realized their mistake they gave me a letter and they requested all 3 credit bureaus to remove the negative information from my credit file, XXXX removed it already XXXX removed it already but aquifex is refusing to remove it for some odd reason I need to go to closing I'm taking out a mortgage and this is killing me and there is nobody to talk to in Equifax they are violating my rights and they are violating the federal FCRA rules please help
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this wrong personal information to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

To whom this may concern, Im writing this matter myself without the assistance of any third party. I hereby now will proceed with my dispute. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

XXXX  XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX. Account # : XXXX, has violated my rights. 

The Creditors and Credit Reporting Agencies ( EQUIFAX, XXXX XXXX, and XXXX ) are violating my fourth amendment right. I should be protected and secure within my papers and Im not because my personal information is being reported to consumer reporting agencies without my written consent. Im not secure within my papers and that's a violation of my fourth amendment right. Further, 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act states I have the right to privacy. Im being taking advantage of and I highly feel the listed creditors and the credit reporting agencies are conspiring against my rights to injure me as Im currently injured due to my right to privacy being breached. Im being deprived of my rights and I'm being treated unjust. The creditors listed did not have lawful authority to transfer my social security number amongst the credit reporting agencies listed ( EQUIFAX, XXXX XXXX, and XXXX ). 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. The above listed creditors and the above listed credit reporting agencies are committing aggravated identity theft and can face imprisonment for what they are doing to me as I did NOT authorize, nor give permission, nor did I provide written consent to any persons to furnish accounts. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. My consumer report by law shall not contain any of the listed accounts that I have listed above. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand these accounts to be deleted immediately or I will file litigation for the injury and emotional anguish this matter is causing me. Thank you for your attention to this matter, I assure you will not discriminate.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, STATE OF AK XXXX  XXXX
Complaint sub-issue: Account information incorrect

Please CFPB, I'm a victim of fraud, please forward the following information to Mohela. Thnak you!
Complaint sub-issue: Delay in processing application

YOUR IMMEDIATE ATTENTION, PLEASE CLARIFICATION/AMPLIFICATION : CFPB COMPLAINT # XXXX FILED BY TELEPHONE ON XX/XX/22 AGAINST DISCOVER BANK I APPLIED ONLINE FOR A DISCOVER IT SECURED CREDIT CARD. 

I DEPOSITED {$1000.00} IN DISCOVER BANK AS SECURITY. 

MY APPLICATION WAS APPROVED. 

I RECEIVED THE CARD. 

I ACTIVATED THE CARD BY TELEPHONE ; IT WAS IMMEDIATELY USABLE. 

DISCOVER BANK MAILED ME A FIRST-CLASS LETTER INFORMING ME THAT A TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD, THAT I NEEDED TO FILL OUT THE ENCLOSED ID VERIFICATION FORM, HAVE IT NOTARIZED AND MAILED WITHIN 14 DAYS ; OTHERWISE, DISCOVER BANK WOULD ABRUPTLY CLOSE MY NEW ACCOUNT AND RETURN MY {$1000.00} DEPOSIT. ( THIS ADDITIONAL REQUIREMENT WAS NOT PREVIOUSLY DISCLOSED TO ME. ) I SPOKE BY TELEPHONE WITH A SUPERVISOR IN DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT WHO TOLD ME THAT I DID NOT NEED TO SUBMIT A NOTARIZED ID VERIFICATION FORM. THAT I SHOULD DISREGARD THE FIRST-CLASS LETTER I HAD RECEIVED AND THAT THE TEMPORARY HOLD ON MY NEW CARD WAS REMOVED. 

I USED MY NEW CARD ONCE. 

I RECEIVED AN EMAIL FROM DISCOVER BANK STATING THAT A SECOND TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD AND THAT I NEEDED TO SUBMIT A NOTARIZED ID VERIFICATION FORM QUICKLY OR ELSE. 

I TELEPHONED DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT AGAIN TO RECTIFY THIS REPEAT PROBLEM, BUT NO SUPERVISOR WAS AVAILABLE TO AUTHORIZE IT. 

I FILED MY TELEPHONE COMPLAINT WITH THE CFPB ON XX/XX/22. 

I AM OUTRAGED BY DISCOVER BANK 'S SHAMEFUL AND UNNECESSARY HARASSMENT OF ME AS A NEW CUSTOMER! OBVIOUSLY, DISCOVER BANK IS BADLY CONFUSED AND DOES NOT KNOW WHAT IT IS DOING! 

I WANT THE CFPB TO COMPEL DISCOVER BANK TO IMMEDIATELY REMOVE ITS TEMPORARY HOLD ON MY NEW SECURED CREDIT CARD SO I CAN CONTINUE TO USE IT. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, NY XXXX SINCERELY XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im XXXX they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am XXXX The problem has not been resolved. my fico has me at a credit score over 709 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc  and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Complaint sub-issue: Attempted to collect wrong amount

The company Hunter Warfield is asking for a debt from me and I reached out to this company and explained to them give me a original signed contract with my signature on it stating that this is my information.they sent me back an original signed contract I do n't know where this contract came from with these signatures on it that is not mine someone forged my name on these contracts as well as two other people. I wrote a letter to XXXX XXXX letting them know that these signatures are not mine and can you give me your method of verification how you came up with this information how you did your investigation who you spoke to, and when I wrote the letter to them they did not respond they just sent my information to XXXX in collections also the amount that is on the debt is constantly growing every other week There 's a different amount on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently disputed a Bankruptcy from my consumer report because, I notice some inconsistent data points being reported. 

1. As reported, the item US Bankruptcy Court does Not have an exactly matching Data Furnisher/Creditor Contract address location. XXXX shows ( U.S Bankruptcy Court ), XXXX ( US Bankruptcy Court GA XXXX ) and Equifax ( Federal ). 

2. The date filed and reported shows XX/XX/2022 with XXXX and XXXX but shows XX/XX/2022 with Equifax. 

3. The reference for XXXX is ( XXXX ), XXXX ( XXXX ), and Equifax ( XXXX ) which is Inconsistent as well. 

4. XXXX and XXXX Reports a closing Date of ( XX/XX/2022 ) and Equifax reports nothing. 

I am not disputing the bankruptcy because of verification purposes, I'm disputing the bankruptcy because of the wrong information being collected by each credit reporting agency, causing this bankruptcy to be inaccurate.