Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender XXXX XXXX to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.
Complaint sub-issue: Investigation took too long

Equifax failed to respond to my dispute letter and they failed to verify that the accounts belong to me before the end of the 30 days period.
Complaint sub-issue: Investigation took more than 30 days

Its well over 30 days since Ive initially disputed accounts on my credit report and I still havent received any response from the three major credit bureaus. I havent received any confirmation on how the credit bureaus have verified the accounts. CFPB will receive documents from me for rectifying the subterfuge that you are reporting.
Complaint sub-issue: Indicated committed crime not paying

In 2012 I received what they call an Installment loan and I lost my job.. I notified them to cease the ACH withdrawal from my bank account.. I recently been getting harassing calls from this company or whom ever does the collection.. They never say, and is a different person threatening that they have papers to serve me I explained that I no longer live in Michigan and they never asked for me to update my address and they continuously harass my parents.
Complaint sub-issue: Their investigation did not fix an error on your report

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Complaint sub-issue: Other problem getting your report or credit score

I was refused a XXXX XXXX card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the XXXX XXXX XXXX because it is unlawful. I am trying to get a mortgage and they are using hate tactics at me.
Complaint sub-issue: Information belongs to someone else

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Complaint sub-issue: Information belongs to someone else

Equifax XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2021 To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 



1. XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 4. XXXX  - XXXX XXXX  Account Number : XXXX Thank you, XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

When Covid-19 started my account was current. I tried numerous times to work with Acima Credit, called 7 times they told me they had no program for COVID-19. Every time I called they kept increasing the payoff. Then they reported negative delinquent to XXXX. This is illegal during COVID-19 They cant report anything different until 120 after COVID-19 ends. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to XXXX XXXX XXXX requesting validation of 4 medical accounts from original creditor XXXX, which XXXX is reporting to XXXX and Equifax. In XXXX 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from XXXX to my second letter. I mailed certified letters to both XXXX and Equifax making them aware of these HIPAA violations by XXXX. In my letters, I included copies of XXXX 's response letter to me in full-color copies which show clearly XXXX XXXX letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from XXXX, XXXX, or Equifax after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from XXXX and Equifax on 2 separate occasions. 
1st and 2nd letters to XXXX and Equifax were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.
Complaint sub-issue: Reporting company used your report improperly

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 XXXX XXXX 15 U.S.C 1681section 602 A. 15 U.S.C 1681 604 A section 2. 15 U.S.C 1681c. ( a ) ( 5 ) section. 15 U.S.C 1681s-2 ( A ) ( 1 )
Complaint sub-issue: Problem accessing account

I was allegedly part of the XXXX acquisition to Cathay Bank on XX/XX/XXXX. I received no notification or correspondence of this transition, nor gave any consent for my personally identifiable information and funds to be handed over. I can confirm that XXXX had my correct mailing address as I had received something unrelated only a week ago XX/XX/XXXX. I simply logged into XXXX on XX/XX/XXXX and was shown my accounts were suspended and closed without explanation. XXXX did nothing to help me and Cathay Bank is unreachable. They have no chat support, no email, only one phone number XXXX. I've been on hold multiple occasions for several hours only to be hung up on. Voicemails unreturned. I have no access to my money, no account numbers, literally nothing.
Complaint sub-issue: Their investigation did not fix an error on your report

There are 6 inquiries listed on my XXXX  and XXXX  report that I DID NOT authorize. I called XXXX and XXXX to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. 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 1981 section 604 A. States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I DID NOT CONSENT TO AUTHORIZE NOR BENEFITS FROM THESE TRANSACTION.
Complaint sub-issue: Account status incorrect

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the Heroes Act passed by the government. Per the act, Credit Agencies were not allowed to report negative items during the COVID-19 Pandemic, plus an additional 120 days. The attached accounts violate that act and violate my consumer rights.
Complaint sub-issue: Their investigation did not fix an error on your report

I first contacted Equifax and XXXX in XX/XX/XXXX to let them know there were accounts on my credit report being reported by XXXX that did not belong to me. I asked Equifax and XXXX to validate the information with XXXX and provide me with any documentation connected with the accounts. Equifax and XXXX  did not validate the alleged accounts which are showing on my credit report. Equifax and XXXX repeatedly claimed that they verified that 11 Student Loan accounts in the amounts of {$29000.00} ; {$21000.00} ; {$6200.00} ; {$4000.00} ; {$21000.00} ; {$16000.00} ; {$16000.00} ; {$12000.00} ; {$10000.00} ; {$13000.00} ; {$15000.00} were opened under my social security number in XX/XX/XXXX and that the first delinquency of these accounts took place in XX/XX/XXXX. There are a few issues wrong here and very concerning. First, ALL OF THESE accounts were allegedly opened in XX/XX/XXXX. I did not attend school in XX/XX/XXXX ; Second, the first delinquency of all of these accounts took place in XX/XX/XXXX, which is BEFORE the date I supposedly opened these accounts. AND finally, all of these accounts are showing as paid but yet open accounts on my credit report. I have requested that Equifax and XXXX provide me with signed documents bearing my signature, showing that I had a binding contract with XXXX for the 11 Student Loan accounts they are reporting on my credit report. I also requested that Equifax and XXXX delete the XXXX line items from my credit report. Equifax has not fulfilled this request but instead lowered my score by 18 points for these alleged accounts, XXXX  also has not fulfilled this request. Equifax and XXXX  unwillingness to actually validate this information with XXXX is damaging my credit. My next course of action will be to file civil lawsuits against Equifax, XXXX and XXXX.
Complaint sub-issue: Information belongs to someone else

I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS, COLLECTIONS, AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY DIDN'T DO IT THE ONE ACCOUNT THAT THEY DID TAKE OFF THEY PUT BACK ON SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following collectors, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acoount # XXXX, has violated my rights. 

XXXX5 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: Credit inquiries on your report that you don't recognize

I pulled my credit reports to find that there were multiple unfamiliar inquiries bringing down my credit profile. I contacted Equifax on various occasions regarding these inquires and on one phone call it was suggested that I place a fraud alert on my credit and submit paperwork verifying the inquiries did not belong to me. I contacted each company where the inquiries were originated and was told that the inquiry did not result in an open account therefore they had no record of me in their system, so of course there was nothing they could provide me to give to Equifax. Again I called Equifax to let them know what I was told, still nothing was done. This is a clear violation of FCRA and something needs to be done immediately. This would be the second time Ive submitted a identity theft report, the first time it was faxed on XX/XX/2020 at XXXX. They verified they had received it, STILL NOTHING HAS BEEN DONE IN REGARDS TO REMOVING THESE INQUIRIES.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : I HAVE NEVER LIVED AT THIS ADDRESS, PLEASE REMOVE THIS FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I have been trying to dispute 2 fraudulent accounts on my credit report for over a year now with Equifax and they still refuse to validate or delete these accounts. I did not open these accounts and they do not belong to me, therefore i am not liable for this debt. 
The account names are XXXX and XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, h

as violated my rights. 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 ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Didn't receive enough information to verify debt

Hospital never told me I need to make a separate payment ( 1 ) For hospital ( 1 ) Hospital doctors Found out toward end of XX/XX/XXXX So need doctor part put under a low payment agreement {$10.00} a month After see faithfully at paying starting to become removed not as a negative on credit report as is now .So can rebuild my credit to 600 by prayerfully the middle of XXXX for by end of XXXX my home will become Solar energy ( If possible combine into one not several plus as is now on account ) Ask XXXX XXXX XXXX Va for copy of payments been paying toward hospital faithfully and see none toward the Hospital doctors but was never told there was two and both completely separate from each other I would of added this medical expense and been paying on it all ready. 

Will pay through XXXX XXXX XXXX as long as receiving payment
Complaint sub-issue: Banking errors

After receiving a promotional offer from Citibank on their web site ( I was an existing credit card customer ), I opened a Miles Ahead Savings Account # XXXX. Instead of paying interest, the account would give XXXX XXXX XXXX  XXXX Points if the following terms were met : 1. Enroll between XX/XX/XXXX and XX/XX/XXXX ; 2. Must keep the account open to receive the miles- which would be paid within 90 days of fulfilling the terms ; 3. Must meet the minimum balance requirement within 90 days of opening ; 4. Must maintain that minimum balance for 60 days ; 5. Funds must be new to Citibank ; 6. Minimum balances and their rewards are : a. Up to $ XXXX XXXXXXXX frequent flyer miles b. $ XXXX $ XXXX XXXX frequent flyer miles c. {$200000.00} and XXXX XXXX frequent flyer miles 7. In addition, if {$10000.00} is maintained in the savings account, you would received a 25 % bonus for all miles earned on the Citibank XXXX XXXX XXXX. 

I fulfilled all the requirements, including : 1. Opened the account on XX/XX/XXXX. At that time I received an electronic Terms and Conditions XXXX Citi Miles Ahead Offer ; 2. Deposited {$50000.00} in the account on XX/XX/XXXX ; 3. Maintained a balance in excess of {$50000.00} through XX/XX/XXXX ( 103 days ) ; 4. All funds were new to Citibank. 

To date I have not received the XXXX miles for maintaining a balance over {$50000.00}, nor the 25 % miles bonus on credit card purchases for maintaining a balance over {$10000.00}. I brought this to the Bank 's attention in online chats in XXXX and XX/XX/XXXX. In both of those chats I was told that I met the requirements of the offer and that the miles bonus should be paid soon. In response to my last chat, I received a letter from Citibank saying that they had no record of any promotion offer made to me. This is directly contradicted by the Terms and Conditions offered to me when the account was opened.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. I have reached out numerous of times after Equifax said that a proper reinvestigation after my initial letters and complaint for XX/XX/XXXX was done. However I still have multiple duplicate inaccurate accounts listed on my credit report which are affecting my livelihood and ability to obtain proper credit. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand these accounts listed below be removed because : According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

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  ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX
Complaint sub-issue: Not disclosed as an attempt to collect

I have received many calls from IC systems. They ask for me but I do not respond I am the person they are looking for. I have repeatedly told them not to call again but they do several times a week. they call from several numbers latest is XXXX XXXX I have blocked them each time they call but then they use a different number