Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

this company DISCOVER BANK clams charged-off with a owed balance of {$5400.00} This is a formal notice that your claim is disputed. they have false, inaccurate and fraudulent information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. 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 XXXXThis 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Complaint sub-issue: Information belongs to someone else

The following credit card accounts thats currently listed on my Equifax, XXXX and XXXX XXXX credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}
Complaint sub-issue: Debt was result of identity theft

In XXXX 2017 Autovest, LLC delivered an affidavit for garnishment to a training center that I work out of. I 'm an XXXX XXXX XXXX on XXXX full commissions contract with the company, so I travel a lot. When the forms were delivered by the Sheriff, I was out of town and the Office Manager signed for the documents, which validated the debt, by law she had to send it to the corporate office. While I was away I noticed that my commissions were short. When calling the home office to find out I discovered that this company was garnishing my checks. I was livid because, I never heard of this company before. And surprisingly, this company IS NOT even on my credit report. I contacted XXXX XXXX XXXX, the attorney 's that processed the order on behalf of Autovest, and they refused to give me any information. I then XXXX  Autovest, LLC and they refused to give me information and directed me back to the law firm. Getting frustrated. I contacted my attorney through XXXX XXXX to seek guidance. They instructed me to go to the court and get original debt documents. Well, the county that issued the court order did not have the original documents, it was sent to them as a foreign judgement from XXXX County, IN. So the XXXX XXXX  representative referred me to an law firm in XXXX county, they told me that because the debt was so old, it was out of jurisdiction for dispute and the only thing I can do is file bankruptcy. Well, filing bankruptcy, would bed pointless, because this debt is not on my credit report! So still I had no idea who the original creditor was, and was finally directed to the XXXX County Records company. There, I was able to get a copy of the original application, which was purchased from some car company called XXXX XXXX, with my name, d.o.b., etc. But I 've NEVER owned a XXXX and never lived at the address that 's on the application. The signature is definitely forged, and it does not have a Picture ID attached to the application. This has been so frustrating, because I 'm still being garnished out of my commissions for a debt that DEFINITELY DOES NOT belong to me. I 'm not yelling at you guys. I 'm just in need of serious help. I 'm exhausting all my options here. And its just not fair.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/21 I sent a letter to LexisNexis challenging the validity of an alleged Bankruptcy showing on my consumer report. Two of the Credit Bureaus are claiming the item was verified with LexisNexis. Additionally, I went to the Courthouse, and they stated they did not verify this information with LexisNexis. As per my right outlined in the FCRA I requested whatever documents LexisNexis had to verify this alleged Bankruptcy to be sent to me immediately. When I received no response from LexisNexis I went to the Court and requested a letter confirming they did not verify the disputed item with LexisNexis or the Credit Bureaus. I received the letter from the Court dated XX/XX/21. I wrote LexisNexis again and attached a copy of the letter from the Court. At this point, today is XX/XX/21 and LexisNexis has failed to respond to my original letter dated XX/XX/21 or any of my subsequent communication dated XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. Since LexisNexis failed to reveal how they verified this item then it needs to be deleted per the FCRA. I've taken the appropriate steps to address this item and LexisNexis is ignoring my Consumer Rights as outlined in the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 90 - 120 days past due on the DEPTEDXXXX and US DEP ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8, 14 and 15 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. 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: Banking errors

- XX/XX/XXXX, Cathay bank paid {$590.00} from our bank business checking account to an unknown party. This is fake check. 
- We did not write a check for this payment nor authorized online banking- As of XX/XX/XXXX, this issue has not been resolved by Cathay bank
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXXbut I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be update as soon as possible. 
XXXX XXXX Balance : {$4100.00}
Complaint sub-issue: Company closed your account

Citi bank blocked my account and closed my account without consulting me on XX/XX/18. Moreover, they hold my money and dont let me access to my own money. I called and went to the branch on XX/XX/18, still no help at all. They said I have to wait 30-60 days to receive a check from them for my remaining balance in my checking account. This is ridiculous. All my money is in that account, how should I live for 30-60 days without money at all!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is continue to report false information on my credit report. Nelnet is not original creditor. I never sign contract with Nelnet. Nelnet can not prove that it my debt. Nelnet claim that I owe {$23000.00}. Where is the original promissory note that I sign for {$23000.00}. What the name and address of original creditor? Who the person who approve this promissory note? When was first payment made on this account? When was last payment for this account? It seem like Nelnet try to use false deceptive, or misleading representation in connection with the debt collection. I feel that it not right to try discriminate on me because I am XXXX male. I am requesting that Consumer Financial Protection Bureau does investigation on Nelnet trying take advantage of minority. I will like someone from Consumer Financial Protection Bureau to meeting next month XX/XX/2018 in XXXX with XXXX XXXX XXXX, myself and document expect to look at promise note.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX XXXX XXXX, it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax Mortgage Service is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and I have no permissible purpose by law to contact third parties with my private or personal information.
Complaint sub-issue: Reporting company used your report improperly

I have noticed an account displaying on my consumer report that is in violation of my rights as a federally protected consumer under Title 15 Chapter 41 ( Consumer Credit Protection ). Equifax is violating my rights displaying account : XXXX XXXX XXXX XXXX XXXX. I demand this account be removed from my credit report immediately. 

Pursuant to 15 USC 1681a ( 2 ), 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 a consumer report. The definition of a credit card, under 15 USC 1681, is the same as it is under 15 USC 1602 which states the term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card used is my social security card. This is the credit card used to originate every consumer credit transaction on my consumer report. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) which details exclusions. As such this transaction is to be removed from my credit report. I am demanding that XXXX XXXX XXXX  XXXX XXXX be removed from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

It has been well over 30 days since complaining about errors on all XXXX credit report for XXXX XXXX for inaccurate markers, as well as with XXXX XXXX in regards to XXXX that contains bills once removed and then readied from my deceased sister XXXX XXXX, and a former tenant XXXX XXXX, in a former rental property in PA, and information still remains on my report although inaccurate. In addition I was the victim of identity fraud and utility services were used by someone unknown. This has been a total nightmare and to have to deal with inaccurate credit as a result of this devastation, is a lot to handle. 

XXXX XXXX continues to report inaccurate info is still being reported even when I am current on my payments, and a paid of account as of XX/XX/2021. XXXX also without my authorization pulled my credit multiple times without my permission, causing inaccurate inquiries, lowering my score. 
I have requested for at least 5 months, sent in XX/XX/2021, to all three bureaus to remove inaccurate info, and they have not. Equifax in particular is non responsive to my credit error issues, after repetitive calls and and letters. Also complaints through XXXX parties such as subserved serviced with XXXX and XXXX XXXX sent disputes. Please assist me with getting these 2 item removed as it is hurting me in getting a home with this inaccurate information on my reports.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I had a credit card with US Bank I was unable to pay off after being laid off. 
I got a call from XXXX XXXX XXXX in XX/XX/XXXX of I think XX/XX/2013 and they told me that I would be arrested  and have my wages garnished immediately if I did not make arrangements to pay the debt with them. I paid the full amount to XXXX throughout the year. ( Roughly {$1200.00} ) I noticed it still shows owing to US bank on all credit reporting agencies, so I called US Bank. They told me the debt is still with them and that they never hired XXXX XXXX XXXX to collect on this debt and that as far as they are concerned the debt is still owing to them. 
I don't want to pay this debt twice but I have not been able to get anyone on the line from XXXX to arrange a refund. Online searches indicate XXXX often make such fraudulent claims and I had to try numerous numbers before I could even get one that was still in service. 
How can I fix this and have my debt marked as paid?
Complaint sub-issue: Need information about your loan balance or loan terms

Firstmark Services acquire my student loan from XXXX, but I am unable to locate the original master promissory note in my Firstmark online account. Also, I was not included in the XXXX student loan refund class in 2017.
Complaint sub-issue: Their investigation did not fix an error on your report

I have repeatedly informed Equifax -- via letters and phone -- about credit inquiries, which I DID NOT initiate or authorize, that continue to appear on my report. 

Equifax has consistently failed to rectify this problem, and my credit rating and ability to obtain legitimate credit has suffered. The following false credit inquiries must be deleted : -- XXXX XXXX, XX/XX/XXXX -- XXXX XXXX XXXX, XX/XX/XXXX -- XXXX ( no date ) -- XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. XXXX Accounts with XXXX XXXX XXXX were open jointly and fraudulent one in the amount of XXXX dollars and the other in the amount of XXXX dollars. I want these accounts deleted and removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Complaint sub-issue: Their investigation did not fix an error on your report

Recently after obtaining a copy of my credit report I discovered that XXXX XXXX XXXX XXXX is listed as a current creditor for : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  and is reporting as open, and " Charged Off '' including Remarks ; Disputed resolved ; reported by grantor, consequently inaccurate balances have been furnished to all three credit bureaus. It appears the original creditor, [ XXXX  ] sold the account to XXXX XXXX XXXX for collection on XX/XX/XXXX, the initial loan amount reports a balance of {$2500.00} and secondly, a balance of {$2300.00} several disputes were filed with the Credit Reporting Agencies ( verbally and written ) between XX/XX/XXXX and XX/XX/XXXX. ( see attachment ) All three credit reporting agencies investigations have responded with " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) is required and Section  611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' XXXX XXXX has failed to provide its source about how this information was obtained in accordance with the FCRA, and has owned the account since XX/XX/XXXX and failed to provide appropriate debt validation required by federal law verification before posting to my credit report An attachment is included with complaint confirming a request to obtain debt validation.
Complaint sub-issue: Was not notified of investigation status or results

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very XXXX for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

XXXX- Late 120days I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax about me being a victim of identity theft and have ask them to remove the fraudulent accounts from my credit report along with the hard and soft inquiries that were made. Equifax has yet to remove/block all fraudulent accounts as stated in the FCRA they must do within 4 business days of receiving and identity theft report and dispute.
Complaint sub-issue: Problem accessing account

Ally Bank recently has changed required operating system for mobile devices to the XXXX XXXX or higher. 
I bought few months ago my " mobile device '' aka smartphone with XXXX XXXX. The device was fully compatible with Ally mobile app back then, but now since it is impossible to update my phone ( most android phones are un-upgradable by design ) I ca n't use their mobile app. Ally Bank is an internet bank so mobile app is virtually essential for banking with the Bank. 
The Bank claims security as reason for the change but it means that clients, like me, can be arbitrary forced to buy new smartphones every few months. My smartphone works fine, was working fine with the old Ally Bank app and I suspect it can work fine with the new app too.
Complaint sub-issue: Their investigation did not fix an error on your report

Good evening, I recently paid a collection account in full on XX/XX/21. I proceeded to submit a dispute with all 3 bureaus to have the collection account removed from my credit report or my report updated to reflect showing paid in full. I received notification from XXXX  on XX/XX/21 indicating that my dispute yielded updated information, however the dispute did not accomplish my goal. That updated information indicated that as of XX/XX/21, my account was past due for the full balance remaining of {$1200.00} and remains an open collection. I want to file formal FCRA violation complaints against The Bureaus, Inc. and XXXX XXXX XXXX. The former is the collection agency showing on my credit report and the latter is the company that is showing on my bank statement as receiving my payment. I have never entered into ANY contractual agreement with either company and a web search of both companies shows that they are separate entities with separate addresses, yet I dialed a single phone number to a single company ( The Bureaus, Inc. ). Please research my claim and inform these companies of their formal FCRA violation. There should be no reason why a debtor pays a debt in full yet the creditor reports false and/or inaccurate information to the credit bureaus after the debt has been paid in full.
Complaint sub-issue: Company closed your account

XX/XX/2021 Card/Account Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Discover Card Consumer Complaint XXXX XXXX Address City, State, ZIP Code Re : Discover Card XXXX XXXX XXXX XXXX Attention : Consumer Complaint Division On XX/XX/2021 I was mailed a notice from Discover card services that my account was being closed. According to the letter Discover closed the account due to the inability to access tax records for prior year, I was never notified by Discover financial services of their XXXX attempt. 
I have in the past had some issues with identity theft, therefore I have a Fraud alert with my account ( SS, Credit ) for my protection. I offered to assist Discover in this matter per IRS representative no information is released without the consent of social security holder. my approval is requested prior to any release of information. I have contacted IRS and they dont have any records of Discover financial attempts or requests. 
On XX/XX/2021 I contacted customer service representative XXXX XXXX in attempt to resolve the problem, according to XXXX there was nothing he could do to resolve the issue. I would appreciate my account being re-instated allowing access my credit card usage. 
I look forward to your reply and a resolution to my problem. Please contact me at the above address or by phone at XXXX Sincerely, XXXX XXXX XXXX next page ( s ) supporting information
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.