Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I went on XXXX website to try to get my report and now they are saying they are not able to verify my information. I was also denied for two loans because they can't verify my identity due to pulling reports from XXXX... I have always been myself and would never steal anybody else 's identity
Complaint sub-issue: Information belongs to someone else

The XXXX XXXX  account listed on my report has been cancelled. The bank issued a 1099C and the account has been filed as earned income. Since the account has been filed with the IRS the account status is now earned income. INCOME IS NOT REPORTED ON CREDIT PROFILE. PLEASE DELETE IMMEDIATELY. 

This is a violation of 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

If account is not DELETED IMMEDIATELY I will take legal action to for negligent or willful noncompliance with the law.
Complaint sub-issue: Information belongs to someone else

I'M LOOKING FOR SOME ASSISTANCE WITH DEALING WITH A COUPLE OF FRAUDULENT ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT. THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE I WAS HOPING TO GET THEM REMOVED FROM MY REPORT AS SOON AS POSSIBLE BECAUSE IT'S CAUSING ME STRESS AND KEEPING ME FROM BEING ABLE TO BUY A NEW HOME.
Complaint sub-issue: Debt is not yours

I was contacted by XXXX from " XXXX XXXX XXXX '' regarding something against me in XXXX XXXX XXXX. They also called my sister-in-law ( that I know of ). They said I needed to settle a debt with XXXX XXXX XXXX  ( I've never heard of it ) and when I said I believed it to be a scam because of that fact, the representative said it was not a scam and I can try and tell the judge that ( threatening litigation ). She proceeded to say that it was for a Best Buy card ( I have never had one ). I told her to not call me or my family again and that I would sue. She began saying an old address of mine before I hung up. This company obviously had my name, phone number, birthday, and last 4 of my social security number, so it is frightening to think how they came upon that information. I consistently check my credit score which reflects 100 % on-time payments and no Best Buy card, so I firmly believe this to be a scam. The call I got was from phone number XXXX and I was asked to return the call at XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax several times about several accounts that were opened in my name as a result of fraud. The accounts listed on my report for XXXX XXXX XXXX  account XXXX, Several accounts from the DPT/ED XXXX, XXXX XXXX XXXX  acct XXXX, XXXX/XXXX  acct XXXX. I have no knowledge of these accounts nor did I receive any merchandise from them. Please delete these accounts from my report. I initially sent this request XX/XX/20 with all documents showing proof that this does not belong to me. Again I am asking to remove the above accounts from credit report.
Complaint sub-issue: Reporting company used your report improperly

XXXX/XXXX/XXXX, my personal financial information was retrieved remotely from Equifax 's databases, without my authorization and knowledge. I have not signed up for credit monitoring services provided by Equifax, as it may/will void my ability to follow through with arbitration.
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 {$2400.00} XXXX XXXX XXXX   {$220.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX  {$560.00} XXXX XXXX XXXX {$2000.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  the following accounts/ inquiries have violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 ( a ) states that I have a 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: Account status incorrect

I took out a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX and made regular payments up until XX/XX/XXXX. At that time I enrolled with a debt consolidation company to attempt to resolve/combine my bills into 1 monthly payment. XXXX XXXX XXXX XXXX was contacted by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX, after other debts were paid off, to negotiate a settlement on this debt and XXXX agreed to a lessor amount than the original loan amount. My credit report is showing the status of this loan was a 'Charge Off '. This is not correct, as they are receiving payment each month against the debt. They agreed to the lessor amount so should not show as a charge off.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from Equifax but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX 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. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Problem getting my free annual report

I have sent XXXX letters to each Credit Bureus and the only to reply finally after three months was Equifax .... and it was n't even with reports ... I have asked repeatedly to verify the information on my reports to no avail, I need for you to investigate why i am not receiving any reply
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX # XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have a Bankruptcy report on my credit report. I am a victim of identity theft. The information attached 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. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Complaint sub-issue: Can't close your account

I opened a case previously. The case number was XXXX. I was informed that the outstanding balance was closed. I am now getting billed again. I can't log in to Citi. I don't have the credit card anymore. 

I received this 5 hours ago ..... 

Your payment is past due Please make a payment. 


Hi, XXXX. Your payment is past due on your Citi / AAdvantage Card account. By making your minimum payment within this billing period, you can avoid any unnecessary late fees. 

You can make a payment immediately on the CitiXXXX XXXXXXXX, at Citi Online or by calling us at XXXX ( TTY : XXXX for hearing and speech impaired only ).
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results. 
I was involved in Equifax Data breach.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX  XXXX Acct # XXXX, XXXX Acct # 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: Account information incorrect

I have reached out to Credco several times about an unauthorized inquiry that they reported on XXXX XXXX 2015 that i have no knowledge of. I have never had a contract thru thus company. They are reporting an inaccurate inquiry on my credit report. I have been told sevetal times by representatives im not in their system but yet they continue to leave this inquiry on my report.
Complaint sub-issue: Personal information incorrect

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of starting a new company and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper XXXX is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Problem accessing account

I've had a third party linked to my account and now PNC won't allow it to connect.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reviewing my credit report, I noticed XXXX XXXX XXXX XXXX pulled my credit, and I have not given the company permission or reason to run my credit. I did not authorize that. I did not apply for credit with the organization. I've contacted the credit bureaus had no success wasn't able to get the situation resolved.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase with my Discover credit card for a downloadable computer game " XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  '' for {$24.00} on XX/XX/2022 from XXXX XXXX XXXX. I downloaded the game and found it incompatible with my computer. I contacted XXXX to cancel the order and receive a refund but it was refused. I disputed the transaction on XX/XX/2022 with Discover stating that the merchant " XXXX '' sold me and incompatible/incomplete product. Discover however reversed the dispute stating : Transaction has been found to be valid. 
A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. 

Dear XXXX XXXX XXXX, Account number ending in XXXX XX/XX/2022 We've finished our additional review of your disputed transaction and found the charge to be valid based on the merchant 's documentation. Please know that we considered any information you submitted as well as information submitted by the merchant. 
Case Number : Merchant Name : Dispute Amount : XXXX XXXX XXXXXXXX XXXX {$24.00} Accordingly, the temporary credit previously applied to your account has been reversed. To give you better insight into our decision, we are including a copy of the documentation we received from XXXX XXXX XXXX If you still have concerns about the outcome of the investigation, we encourage you to work with the merchant directly. 
Please note, the disputed transaction has been reposted to your account and will appear on your next monthly billing statement. This amount will be included in the calculation of your next minimum payment due and the calculation of interest on that statement, if applicable. Your next payment due date will be reflected on that statement as well. Please refer to your current billing statement for your current payment due and payment due date. 
We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. If you have any questions, you can call our 100 % U.S.-based service team at XXXX ( XXXX ). 
Sincerely, Discover Card Customer Service
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at XXXX, Equifax, XXXX XXXX and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.
Complaint sub-issue: Can't stop withdrawals from your account

XX/XX/2022. 

.01 added to savings account. 

XX/XX/2022 XXXX added to savings account. 

Descriptions says credit interest. Checked with the bank. I thought they were subtracted but they were added. Teller did not seem to think that it was due to XXXX. 

Concerned that untraceable additions to my account imply access to cause losses, assess charge off. Right now, I don't have any credit open, and I'm paying student loans according to the payment plan selected.
Complaint sub-issue: Account information incorrect

I have a XXXX account that is showing two missed payments, forXX/XX/2017 and XX/XX/2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc XXXX is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate this matter.
Complaint sub-issue: Information belongs to someone else

Dear Company : I am a victim of identity theft due to the XXXX  Data Breach. My information has been breached causing multiple errors and miscellaneaous account transactions to be listed on my credit report, including 12-14 hard credit inquiries. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It appears to be the result of identity theft. 

****Credit Inquiry**** Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all Credit Bureaus, Enclosed are the following : A copy of my Identity Theft Report. 
Police Report XXXX Data Breach Screen Shot Section 605B of the Fair Credit Reporting Act, which requires you to delete the fraudulent information on my credit report resulting from identity theft within four business days. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 a payment on a credit card account under an open end consumer credit plan as late for purpose
Complaint sub-issue: Problem accessing account

Tried to link account for XXXX and it was denied
Complaint sub-issue: Didn't receive notice of right to dispute

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found t

he following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits. 2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found
within the consumer protection laws.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter. it has been 5 months with no response and these inaccurate accounts are still showing on my credit report!!!!
Complaint sub-issue: Trouble using the card to send money to another person

US Direct Express is the most dysfunctional organization I've encountered. I have tried to make a money transfer twice. I have a confirmation number. After three weeks, the transfer has not been received but, the money was deducted from my account. Every time we tried to contact someone at US Direct Express the recording said they were too busy and to call back at a later date. That happened numerous times. We could never get through to a live person.
Complaint sub-issue: Didn't receive enough information to verify debt

Disputes with the company on XX/XX/XXXX and they updated the account with no verification. however I sent a letter back on XX/XX/XXXX and they continue to not verify the debt, however they also sent the letter out on XX/XX/XXXX when I haven't even sent the letter for the follow up. They lied about the timing they sent their mail. They sent me a letter of the amount being owed but still no verification.
Complaint sub-issue: Account information incorrect

In accordance with the fair credit Reporting XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information is missing that should be on the report

I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went XXXX and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the ICU and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.
Complaint sub-issue: Confusing or missing disclosures

I've tried multiple times to link my PNC banking account XXXX  for investments and my account will not allow me. This is my only banking account and has caused me an undue hardship to invest and spend my money as I please.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )