Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

On   XX/XX/XXXX  I sent a  letter to the address provided on their website in regards to their derogatory information that is being rep orted to all    XXXX   credit bureaus against me.   They failed to respond by mail so I then called them in regards to the letter that asked them to verify the debt.   They stated that the information is valid but I then again asked them to submit the documentation in writing and they have yet to do so however they did submit derogatory information to the credit bureaus once more.
Complaint sub-issue: Problem with fees

Discover Bank is inaccurately reporting late 's on my credit file for the months of XX/XX/2019 through XX/XX/2019. I paid my full balance off completely. I was not advised about any interest fees thereafter my balance was paid off. for 3 months I did not receive any notifications, letters, or any phone calls that I had a balance until I checked my credit file and noticed the lates. They had my email address wrong in their system. They agreed to remove all the fees, yet they are still showing a balance and late charges on my account. I request they remove the lates and fees as this was not my fault!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried on different ocassions to dispute inaccurate information on my Equifax report regarding the creditor XXXX XXXX. Each time i dispute it the inaccuracies continue and even become more inaccurate drastically decreasing my credit score and hurting my report. I woulld just like this account removed completely from my report since it cant seem to be reported accurately and is causing major damage to my credit report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX T 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. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 60 days straight with XXXX  i spoke to a representative agent name 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist 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 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 21 times. 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 XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a reinvestigation letter dated XX/XX/2021 response from LexisNexis case XXXX regarding incorrect address and the Bankruptcy, stating the information was VERIFIED. I had requested a Legal Method of Verification of DATA FURNISHER for the Bankruptcy, which I didn't received. I received a document response through Consumer Financial Protection Bureau on XX/XX/2021, from LEXISNEXIS that Ms. XXXX 's profile was REMOVED. But I keep getting letters in the mail from LEXISNEXIS stating all their investigations are all VERIFIED, I am not understating how the information was legally verified. Especially now when LexisNexis is inaccurately reporting information within their company of my records they have on file, from unverified sources, even when the courts stated they don't report any Bankruptcy files to any credit reporting agencies. I am including the documentation that was sent to me XX/XX/2021.
Complaint sub-issue: Problem using a debit or ATM card

Both my Citibank and XXXX cards were skimmed in XXXX XXXX. I contacted both companies and neither are cooperating in reimbursing the fraud. It is clear they are not me and I feel they didn't even both investigating. I am supposed to be protected from fraud and this is devastating as the amount for both together are almost {$3500.00}. I have filed a police report and have a copy, a report with the XXXX  ( for Citi ), and the FTC ( reference number XXXX ). Below are the amounts for both : Citibank XXXX XXXX XXXX - {$110.00} XXXX XXXX  XXXX Nevada XXXX {$150.00} ( I live in NC ) XXXX XXXX {$590.00} XXXX - {$180.00} XXXX XXXX Nevada XXXX {$200.00} XXXX XXXX XXXX {$490.00} Nevada CHild Support - {$300.00} ( I don't even have a kid ) XXXX  XX/XX/XXXX XXXX XXXX - {$480.00} and {$900.00}
Complaint sub-issue: Information belongs to someone else

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Billing problem

Ally Financial is not providing me with any billing statements. I dont know if my payments are even being applied. My wife filed Chapter XXXX Bankruptcy. I did not. Ally filed a proof of claim. I continued to make payments. The Bankruptcy was dismissed on XX/XX/XXXX. There is not automatic stay and no reason to deny my billing statements. In addition, Ally is inconsistent since they provided an emailed copy on XX/XX/18. They are not sending me paper statements nor emailed statements. When requested, they refuse.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by som bad peoples on the internet. Having these False and misleading inquiries reporting to my credit report is hurting my credit and is hurting my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my kids a big house with a huge back yard for them to play in. please handle this matter quickly. I have included a list of all inquiries and accounts that I did not authorize below along with the dates. please remove asap ok? My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( 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 ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : XXXX XXXX. XX/XX/XXXX Bb & T XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I have contacted Enhance Recovery Col concerning a collections they have on my account, I have also tried to get this account verified through the credit agency and they have not provided me with an actual agreement, contract or identification for this account, I have a credit alert on my file that states I am victim of identity theft this file has been in place since 2015 this account states that you must call me at the listed number before issuing credit and this did not happen nor is this my account.
Complaint sub-issue: Information belongs to someone else

Full Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I've disputed with the credit bureaus for months because the inaccuracies, incomplete, and unverifiable accounts that have been reporting on my account. I would like for these accounts to be removed because they are purposely reporting these account to damage my credit worthiness, could you hold them accountable?
Complaint sub-issue: Information belongs to someone else

I uploaded a identity theft police report to all 3 credit bureaus. And no action has been taken. I want all these fraudulent accounts open up in XXXX XXXX Nevada removed from my credit file. These are not my accounts!!! I uploaded 15 years of Alabama drivers license. I never lived in Nevada. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  From my credit file Asap!
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It's been over 60 days later I have not received a response yet. I truly feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts 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 gotten into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. Please remove the late off of my credit file as those 2 lates were not my error.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$480.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Late payment, XXXX Late payment, XXXX Late payments, XXXXXXXX XXXX late payments and XXXX balance, Collections XXXX. Equifax XXXX Late payment, XXXX late payment, XXXX late payment, XXXX late payment and balance XXXX. 
Collections XXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX XXXX late payments and XXXX balance. 
Collections XXXX, XXXX, XXXX, XXXX. 
15 U.S.C 1681 Section 602A. 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.

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

On X/XX/18 Equifax raised my score six points, On X/XX/18 Equifax decreased my score six points. Equifax states that I hace used 250 % of my credit. Balance is just XXXX on a XXXX XXXX with credit line of XXXX Doing the math, it does NOT make sense. The credit line Utilization is only 4.5 %. I have been trying to contact them via internet dispute and phone calls. No success. Equifax have not been reporting my scores accurately and hurting me in the sense I am being senies credit. I ask, to contact XXXX XXXX and all the Proof is there. Dates,  Account balances. I demand for ALL my credit be reported accurately according to FCRA secrion 609.. And also ask Equifax to fix their wwbsite dispute page that doesnt work. I understand that under FCRA, Equifax has 30 days to respond to this dispute/claim. My Fico score should be above XXXX and Equifax is keeping me down. The proof is there. Equifax needs to contact XXXX XXXX and correct the issues and report correct info on my profile. 
Thank you XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for the Citibank XXXX XXXX card in XX/XX/2018 and used a special code that was sent via mail advertisement to my house. This was to obtain the promotional offer of XXXX bonus XXXX XXXX miles if I spend {$3000.00} within 90 days of opening the account. I fulfilled my spending requirement, however Citibank refuses to credit any more than their basic bonus of XXXX miles. Citibank owes me XXXX miles but will not credit my account unless I produce the original advertisement literature which I have thrown away already. I did not expect Citibank to fail to honor their promotion or I would have retained that evidence. I just want Citibank to honor their agreement and credit me XXXX miles to my XXXX XXXX account and this will be resolved. I should not be held responsible for Citibank 's application malfunction or internal website problems.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 2 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Account status incorrect

I leased a new Audi from XXXX XXXX  in Delaware - Made last payment on XXXX for {$1000.00} ( Next payment due on XXXX ) -Traded the lease in to XXXX XXXX in XXXX Md on XXXX - Audi was called by XXXX and sent payoff check of {$53000.00} ( Cashed by Audi XXXX XX/XX/15 ) - Audi/VW financial continued to send be bills stating monthly payment was due - XXXX, XXXX, and XXXX - I called 3x explaining that the car was traded and they cashed the check - After 3rd call ... .Audi stated they were waiting the mileage reading from the dealer to clear the account A. I hope you are not reporting this to credit agency ( I'm never late on anything ) B. Have you contacted the dealer about the form C. Explained this is misuse of the Credit Report ( FCRA violation ... .has nothing to do with payments ) D. Audi never contacted the XXXX  about the statement ... ..The car was traded and resold by XXXX XXXX ( XXXX ... .No issues ) My credit score was impacted down 80 points ... .Trying to buy another house I know my rights ... .20 year Credit Card Bank Executive ... .FCRA Violation Clear
Complaint sub-issue: Their investigation did not fix an error on your report

the following accounts have been disputed on these dates for these reasons : XXXX19, XXXX19 Incorrect balance, the date reported, and the account type is inaccurate. 

U.S. Bankruptcy Court # XXXX XXXX  XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX DIVISION OF XXXX XXXX XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX a letter requesting method of verification of a public record was sent to Equifax. I have not received any notice of the investigation as of XX/XX/XXXX. I additionally submitted records from XXXX XXXX to Equifax to show that there were no public records listed in regards to the chapter XXXX bankruptcy.
Complaint sub-issue: Their investigation did not fix an error on your report

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.