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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX : XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Complaint sub-issue: Their investigation did not fix an error on your report

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if Target account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Complaint sub-issue: Information belongs to someone else

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. YOU, XXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS.
Complaint sub-issue: Attempted to collect wrong amount

Citibank/CBNA has re-aged my accounts. They should no longer be on my credit report due to the statute of limitations in Texas. Instead of removing them they have been reporting that I have been making payments in order to re-age both of my accounts with them. For one ( starting with XXXX ) they reported a payment as recent as XXXX of 2017 with XXXX. I have tried to dispute the accounts with each of the credit bureaus and was not successful due to Citibank stating false payment information. I have also faxed Citibank asking that they no longer re-age my accounts and delete them from all three bureaus.
Complaint sub-issue: Card was charged for something you did not purchase with the card

There has been ongoing issues and red flags when I go to the XXXX  XXXX  store. They don't update my correct phone number/information. Yesterday, they were trying to look up my purchases so I could make a return. Well, what popped up on their computer is all these purchases by other people including a XXXX XXXX XXXX. I will attach the evidence so you see some examples of the purchases ( valid one and invalid ones ) ; people are using my credit for many companies, what is going on?
Complaint sub-issue: Funds not received from closed account

I had a some money deposited into my citi bank savings and checking account when I tried to get it out they said they closed my account for fraud theres no way that was a fraud that was 2 months ago and they havent sent me any check in the mail for my money every time I call they give me the run around its a pandemic going on and I really need my money!
Complaint sub-issue: Problem with fraud alerts

I put on a 90-day initial fraud alert on my credit from both XXXX and Equifax , but I received another hard credit hit from XXXX yesterday. I recently had accounts opened with XXXX XXXX and XXXX without my consent. I believe I am a victim of credit fraud, this is why I put the 90-day fraud alert on. However, I am still receiving credit inquiries.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX I realized I needed to replace my car. It was suggested I investigate using some equity in my home to finance the car. I am a Senior Citizen, retired and do not have much banking and loan knowledge. I used the Internet and found many companies offering home equity loans. I clicked on Discover XXXX XXXX trying to find out what the interest rates were. I feel that I was tricked by this company. I entered information that the page requested. I simply wanted to see the interest rates. Discover Home Loans did a Hard Credit Inquiry on me without my permission. Their webpage does not disclose that not only are they doing a hard Credit Inquiry but they take any information request as an Application for credit! Then I got an email from Discover Home Loans saying they were working on " my application '' and I NEVER applied for anything. I also received an application package in the mail. It seems that requesting information to Discover Home Loans is some sort of Contract of Adhesion in their minds. I was shocked when I got an immediate Alert from XXXX. I called XXXX and was told I needed to call Discover Home Loans to get that Hard Credit Inquiry removed. I did that and was treated rudely by 2 different employees of Discover Home Loans and was told they refused to remove the Hard Credit Inquiry. I called them and emailed them and said I NEVER applied for a loan and I was not going to apply. I contacted the XXXX XXXX XXXX and received a response from Discover Home Loans denying my request to remove this Hard Credit Inquiry. XXXX will not allow disputes over Hard Credit Inquiries and has not responded to my complaint with the XXXX XXXX XXXX. Discover Home Loans took advantage of my simply researching rates and now my Credit Score is impacted. I need your help, please.
Complaint sub-issue: Personal information incorrect

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following ITEMS as they are fraudulent & were opened without my consent or knowledge Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from alleged identity theft. I do not consent to XXXX or any means of automated verification. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is offering online services and online disputes and charging a monthly fee for credit monitoring etc. I have tried forever to submit and online dispute and getting errors about my information not being valid. I feared that there was fraud on my Equifax credit report so I signed up for their service and paid money. Now I find out after doing so that their online dispute system is down and has been down for a YEAR! If its down and not working why do they still have the link up and no statement on their website that its down and not working. This is quite shady of them and seems like a scam to strike fear into people only for them to find out that this MAJOR ORGANIZATION CAN'T SOLVE A SIMPLE WEB SITE ISSUE IN OVER A YEAR! 

I also have been unable to request my credit report online with them, until I signed up with their service and paid them, they wanted me to mail in a form containing my very sensitive information which I'm not comfortable doing. 

My credit report is supposed to be free and I couldn't get it free from them. It was odd that when I signed up for their service and paid them they were certainly able to pull the information and send it to me with no problems.
Complaint sub-issue: Their investigation did not fix an error on your report

I've disputed collections accounts regarding the collection agencies XXXX XXXX XXXX and XXXX  XXXX XXXX with all 3 Bureaus Equifax, XXXX  and XXXX. According to my findings I see that there has been duplicate reporting and also the collection companies have participated in illegal re-aging the accounts. From my knowledge this is against the law and that they have committed a violation. I would like for them to remove these accounts from my report.
Complaint sub-issue: Trouble using the card to spend money in a store or online

My unemployment was stolen from a US bank relia Card. The amount was {$18000.00}.
Complaint sub-issue: Information belongs to someone else

There is an repossessed car that was fraudulently put in my name. I've asked for to be shown validation of debt on numerous occasions, but to no avail. I've sent in paperwork and police report showing it wasn't my vehicle and yet Equifax won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against Equifax and the company XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

Citi bank credit is very mean reporting my current balance, its like by law i got told I shouldnt have to wait to next month to see my current balnce gets updated, so XXXX  updated my current balance with citi bank which reflected my utilization from 27 % went down to 18 % its like citi bank not following guidence its like they dont follow any of that till they get full balance, updating my balance as pulling tooth out of their mouth the minute i updated my balance and requested them to update my score they locked my account to see if there is a fruad on my account, and yup i told them i paid that amount of money becuase their interest rate apr 29 % on the account, though they say they waives interest rate on covid time they dont so i had to pay them. 
so my problem XXXX  updated the new balance and transuion refuse to update the balance becuase they instructed by citi bank where please have XXXX update my balance
Complaint sub-issue: Reinserted previously deleted info

Equifax has conducted XXXX investigation. every investigation they remove my late payment from XXXX XXXX and bring it back again. i 'm sick and tired of their work. i 'm in the middle of a home loan closing and equifax re inserted the delinquency when it has fixed for 5 months. i pulled my credit report on XXXX XXXX 2015 the late payment was not there. i pull my report today the payment comes back again. i 'm attaching the copy of my credit report that i pulled and a letter from XXXX XXXX that the delinquency has been fixed from their side.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was looking at my equaifax score noticed 3 hard inquiry reports that i never authorized or signed off on. 

The following are XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 I would just like these removed from file as this was fraud.
Complaint sub-issue: Account status incorrect

My XXXXXXXX XXXX XXXX loan was refinanced by XXXX XXXX. XXXX XXXX sent XXXXXXXX XXXX XXXX a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX  finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Complaint sub-issue: Their investigation did not fix an error on your report

After attempting to comply with the company 's request to provide validating information, regarding my previous address, to allow them to correct an error on my credit report, I AGAIN receive the same response that they " were unable to locate a credit file in our ( their ) database with the identification information you ( we ) provided. '' I supplied them with a copy of an earlier W2 showing my address, my current drivers license, a bank statement, and my social security card. [ What is almost humorous about this whole scenario is that several months earlier I was able to purchase a monthly reporting service from them and they continue to provide to those whom request it faulty credit information. ] Their continued refusal to acknowledge my credit file allows a more serious problem to prevail. That problem is the they continue to ignore a DISMISS bankruptcy in the the XXXX, TX bankruptcy court AND their continued failure to report a DISCHARGED bankruptcy in the XXXX XXXX, Nevada bankruptcy court. I have on several occasions sent them documents which supported both claims.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I didn't get a response within 30 days and you'll are required to by law to do so. Please investigate my disputes please. Thank you
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

My XXXX bankruptcy case was never XXXX. I reopened my bankruptcy case in XXXX of XXXX and amended the file to include additional debt that I incurred. Plaza services was notified by the bankruptcy court on XXXX XXXX of XXXX. I have since also sent communication to Plaza Services in XXXX, on XXXX XXXX, and XXXX. I keep getting information stating that they deny my dispute and are continuing to try and collect this debt. I am trying to raise my XXXX XXXX and they keep reporting this as an active collection and I can not .get them to correct the debt to show as included in my bankruptcy. I have also contacted XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 98 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 98 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along. 

I sent them the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hello, To my astonishment and dismay, I noticed that your company is reporting information that just isnt true. It is also my concern that due to my VERY common name my profile is being merged with someone else profile in your system. In fact there are address on my credit report that I have NEVER even lived at. Therefore, I KNOW something has to be wrong and this must be a mistake. I dont claim to know everything but it is quiet weird that a multitude of accounts and a bankruptcy is on my report. Honestly, how does this even happen? 

If you check your record you will see that my address doesnt even match any of the alleged accounts. It is my request that you review the file you are saying is mine and take away the discrepancies. Below is just a few of the things in question. 


XXXX XXXX XXXX  XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/20 Status : Discharged Amount : {$0.00} Remove these Public Record from my credit file. I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I, wrong address because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match. 
The Fair Credit Reporting Act requires you to investigate and delete any and all inaccurate, incorrect, incomplete and/or invalid information. 

I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please DELETE this information from my file immediately. 

Thank You in Advance an Educated Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Account with XXXX XXXX XXXX ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my XXXX, and Equifax reports. This is NOT my debt. I have reported to XXXX  and Equifax and they investigated yet the item remains on my reports. I have disputed to XXXX XXXX XXXX and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.
Complaint sub-issue: Collected or attempted to collect exempt funds

There is company called XXXX  XXXX. They use background and contact information on family members to threaten debt collection, false imprisonment. They use social media like XXXX to gather information and threat unaware family members.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2016, PDQ Services, INC added a derogatory credit report per XXXX. Upon, further research, this account was transferred/sold and am I no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, PDQ Services , INC has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Complaint sub-issue: Public record

Bankruptcy still showing on all XXXX credit reports after ten years