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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX, has violated 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16666 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently noticed upon running my credit to purchase a home for the first time that I have a 30 day late payment associated with my credit card account with XXXX XXXX XXXX XXXX. this was back in XX/XX/2018. What happened was months before that I have been paying my balances manually online, and in XXXX had decided to use their App auto-pay on my XXXX for convenience purpose since its how I pay my other cards anyways. The transition to auto-pay was not as smooth as it did not take my payment for that month and it is understandable since the app did not have my correct statement ending balance so it will not take my payment. I had called XXXX customer services regarding this matter during XX/XX/2018 and it was a recorded call. In that conversation, I had told them what had happened and the reason why the payment was late. The customer representative at that time apologized for the inconvenience and had waived the late fee I had incurred. My payments were never late before and after this occurrence with any account I have under my name unless there was an error. 

I contacted XXXX XXXX XXXX XXXX and had asked them why they reported my payment being late for 30 days. I had thought that they would not report this matter because it was a system error on their end that resulted in my payment not being processed on time. I had explained to the agent what the conversation was during that time and what our resolution was but the customer representative had told me that she can not do anything but will tell her supervisor regarding the matter, I had closed my account with them because of this upsetting situation I have been a responsible account holder for years and was misled to believe that they had fixed and acknowledged that it was a system error but reported me to the credit bureau anyways.
Complaint sub-issue: Used obscene, profane, or other abusive language

I received a phone call on XX/XX/17 at XXXX XXXX  EST from XXXX. The person identified themselves as XXXX and they were calling from IQ Data International. XXXX did not read me my Miranda Rights nor inform me the call was being records so I was oblivious to the nature of the call. When I began questioning what the call was in regards to, XXXX was short with me, cut me off, spoke over me and had a hard time answering simple questions. Again, had my Miranda Rights been read, I would've believed the validity of the call and understood it was a collection 's call. When I began explaining I needed to first verify his claims, XXXX was aggressive and engaged in predatory collection 's tactics. In an attempt to convince me he was legitimate, he read aloud the last 4 numbers of my SSN - anyone sitting near him could've heard this information. When I later called back the company, the agent who answered refused to transfer me to a XXXX and would only connect me with XXXX, despite my explicit request to speak to anyone besides XXXX. This company has representatives actively engaging in predatory collection tactics, but who are also unable to remember something as simple as reading Miranda Rights and informing a VA caller that they are on a recorded line.
Complaint sub-issue: Information belongs to someone else

fcra not mine : see attachments for proof : XXXX XXXX  XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  ( Account Name XXXX XXXX XXXX XXXX XXXX ( Account # XXXX and ( Account Name : XXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Complaint sub-issue: Account information incorrect

Equifax, XXXX and XXXX continue to report these inaccurate items on my credit report.
XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect.
<P/>
XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect.
<P/>
XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong.
<P/>
XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong.
<P/>
I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax submitted an errored report to a mortgage lender. The submitted report does not reflect the correct credit score and noted several account delinquencies that are not reflected on the credit report. When Equifax was contacted, they advised that these items are not reflected on the credit report. Therefore, they do not have anything to dispute. I, the consumer, was only made aware of this inaccurate reporting of the credit score ( resulting in XXXX points lower than the actual score ) and derogatory remarks by the lender sending a document that summarizes what was reported to them. Equifax 's error in reporting the correct credit score resulted in an inferior loan rating and product offering.
Complaint sub-issue: Debt is not yours

I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 

I C SYSTEM INC XXXX This collection is the result of Identity theft. Please Delete Immediately!
Complaint sub-issue: Was not notified of investigation status or results

Hi, I recently sent in multiple documents about a few negative accounts on my profile that was unfamiliar to me and needed to figure out where they came from. I send out letters mutliple times over the past few months as stated below : Accounts from student loans DPT EDXXXX XXXX US DEPT ED? ??? ( no money was dispersed or classes taken. ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Letters were sent on XXXX/XXXX/2021, XXXX/XXXX/2021, XXXX/XXXX/2021
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX with the account number XXXX is said to be a collection account that was sold to North American Recovery with the same account number showing on my report. This collection accounts were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. These particular collection accounts should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. These should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.
Complaint sub-issue: Didn't receive advertised or promotional terms

Made a purchase of a laptop and a phone at Best Buy in XXXX, XXXX for {$2000.00}. I was given an option to either pay for the purchase and receive a discount or put the purchase on the new Best Buy card ( issued and serviced by Citibank ) and forego the discount in place of a WAIVED interest rate on the card for a year. I chose to apply for the card. Was approved on the spot and put the purchase on it. I have serviced the outstanding balance with regular monthly payments and the outstanding balance as of XXXX, XXXX was {$1600.00}. Then my wife received a bill in XXXX, XXXX for {$2200.00}, which included an insterest of {$600.00}. I was away on a business trip, thought such a huge interest charge was some kind of mistake and I would deal with it upon my return. When I returned to US and cleed the Citibank, I was explained that the promotion on the card ended and the interest charge, that I was advertised as WAIVED, was actually only POSTPONED. I offered to settle the full outstnading balance on the spot, but was told that because on the 2nd or 3rd page of the monthly statement, this promotion was explained in fine print, bank 's policies would not allow to waive the interest even with the full payment. I escalated the matter to the second level superviser, who promised to give me a call within a week, yet, I received no follow up. I received another call from the bank at XXXX on XXXX morning of XX/XX/XXXX with the reqquest to make a payment. When I refused to accept the {$600.00} interest change, which is an outrageous amount of about 33 % on the average outstanding amount, besides the fact that I was advertised NO interest rate for one year, the representative said that they had " good news '' for me. Apperantly, the bank was willing to discount 50 % of the changed interest if I accepted the changes. This is a highway robery worthy of shady finanical operators, which I could never have expected from such respected institutions as Citibank and Best Buy. I refuse to accept the " incurred charges '' as I was plainly told there would not be ANY interest charges for a year and I was not clearly explained that I needed to pay off the full amount in under a year! Those conditions were also not clearly marked on the frint page of the statements and Citibank did everything to " catch me '' in their " trap. '' I'm willing and able to pay the outstanding amount in full. Please, help me receive justice in my complaint against completely unfair consummer practices of Citibank
Complaint sub-issue: Frequent or repeated calls

This account should not be as much as it is and I do n't recognize this amount as being true
Complaint sub-issue: Information belongs to someone else

this world today is really loosing it, it crazy how people live their life like this hurting other by using personal information to open up credit cards, i would really like to know who is doing these things so i could press chargers, i would like these chargers off of my name because it is affecting my credit!
Complaint sub-issue: Information belongs to someone else

information inaccurate on credit report. FTC violation. Must be removed does not belong to me. 

XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$99.00}
Complaint sub-issue: Information belongs to someone else

I should not have to wait an additional 60 days to get inaccurate data off of my report with Equifax. How is this fair to me? I have already wrote a letter and mailed it to Equifax and nothing was done nor did I receive a response back. I feel I have waited enough time already. I was able to resolve it within 4 days with another credit agency. This is inaccurate and now I 'm being told it will take 60 days for the matter to be resolved. This is not fair please help XXXX XXXX XXXX {$130000.00} inaccurate never owed, please remove. I confirmed this with the IRS. 
COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, U.S Department of Education : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

It appears on my credit report through ( rental credit and the XXXX, equifax.com and XXXX that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XXXX. but they keep reporting this information
Complaint sub-issue: Information belongs to someone else

hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.
Complaint sub-issue: Didn't receive advertised or promotional terms

Citibank was offering a Citi Flex-Pay Option on eligible purchases. This included a fixed 5.99 % APR for 24 months on eligible purchases. I recently made a large purchase and wanted to take advantage of this low APR. The purchase was made on XX/XX/2020. On XX/XX/XXXX, I contacted Citibank and was told I needed to wait for my next billing cycle to close to apply this offer. On XXXX, I contacted Citibank again to apply the flex pay option to my purchase. I was told by the customer service associate that this purchase did not qualify. He was unable to tell me why it did not qualify and a supervisor would reach out to me by XX/XX/XXXX to discuss the matter further. Based on the criteria outlined in this offer, the purchase I made qualified for this offer. No one from Citibank reached back out to me. I called Citibank again in the evening of XX/XX/XXXX. Again, I was told this purchase does not qualify and was not given a reason why. I was then transferred to a supervisor. After explaining the situation, the customer service supervisor told me that there is no specific reason as to why this purchase does not qualify. After being put a brief hold, the supervisor told me that Citibank has the right refuse this offer on any purchase it deems not eligible and this purchase fell in that category. After further discussion with supervisor, he confirmed that Citibank will not let me use this promotional flex-pay option on this purchase
Complaint sub-issue: Account information incorrect

I opened an account XXXX/XXXX XXXX on XX/XX/XXXX and amount on the account was maxed out at {$1000.00} for a purchase made for {$1500.00}. I paid {$590.00} and the XXXX card was for {$1000.00} which was the limit. It was disputed to the Credit bureaus on XX/XX/XXXX and my credit score dropped down. I made payments 0n XX/XX/XXXX for {$300.00} then on XX/XX/XXXX payment of {$300.00} and on XX/XX/XXXX made a payment of {$100.00} showing a balance of {$300.00}. As of XX/XX/XXXX the XXXX/XXXX XXXX  account on both XXXX XXXX and Equifax show that account with a balance of {$1000.00} and no payments having been made. My credit score has not changed. The XXXX Card shows that I have a balance of {$300.00} and three payments made. That does not show up on my credit reports. I have refinanced my mortgage with XXXX to XXXX XXXX and there is no record of that. XXXX was closed on XX/XX/XXXX and the new mortgage with XXXX XXXX does not show up. Why are the Credit Bureaus so quick and lower your scores but do not seem to correct them as soon. Thank you for any assistance.
Complaint sub-issue: Attempted to collect wrong amount

This debt references an amount owed to XXXX that is completely false. Payments were made to XXXX prior to ending that relationship and starting service with another provider.
Complaint sub-issue: Account information incorrect

After carefully looking over my credit report and after sending several letters. The credit bureau has continued to ignore my letters regarding XXXX XXXX XXXX XXXX and I have found several errors that they are reporting regarding this charge off on my account. That is why I am filing my complaint and has did the same with my attorney general in the state of Missouri regarding this matter. I also send my letter to XXXX XXXX XXXX XXXX with confirmation number XXXX in which was ignored as well. But the credit bureau says they have proof of what they are claiming but has failed to submit me any proof. I send the credit bureau a notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ). In which was ignored and I am attaching my letter to this complaint as well that I send. They refused to tell me in writing what information they refuse to remove and why. Also they refused to tell me in writing what they did to determine that the information was accurate. The claim has been UNFOUNDED and so are ILLEGALLY REPORTING. In my letter I stated the following : The alleged yet unproven to be correct, complete, timely, mine, my responsibility, FCRA compliant, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them or not.
Complaint sub-issue: Used obscene/profane/abusive language

Follow-up on Complaint # XXXX When speaking with XXXX on Friday I stated I was at work and unable to work and that I would call when I had a chance. He put pressure on me saying that he would only be in the office for another two hours. I am in a different time zone and work off hours. 

He has repeatedly call my work phone number and is harassing my staff. I do not want to be contacted on my work number. It is completely unprofessional.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following inaccurate information to be updated and corrected right away : 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 XXXXXX/XX/2021
Complaint sub-issue: Company closed your account

I contacted Macys customer service on XX/XX/XXXX when I attempted to place an order using my card but it was was declined. Customer Service advised the account was closed on XX/XX/XXXX per customer request. I advised I did not authorize the account closure. When my pay down check for $ XXXX + was mailed in XX/XX/2022 a letter accompanied the check. If I wanted the account closed, I would have needed to sign in a certain section of the letter to authorize the closure and I DID NOT SIGN therefore the account was to remain open and active. Customer Service stated I could reapply for a new account but I advised my account should not have been closed. Customer Service stated they could not view the letter and needed to open a case for review. It would take 10-days for a response. I have been a long time platinum customer and felt this review delay was ridiculous since Macys incorrectly closed my account in error without my signed authorization.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I'm a living human being and I have rights under XXXX XXXX. 

Equifax is governed by XXXX XXXX and they have violated my right numerous times. After numerous attempts to resolve this issue with them ; they are continuing to violate my rights by not adhering to XXXXXXXX  law. I demand the account ( XXXX ) listed below be removed because : According XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Account ( XXXX ) XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax, XXXX, and XXXX  are all reporting inaccurate information on my credit report. I've mailed Dispute letters twice to each credit bureau directly, once on the date of XX/XX/2021 which wasnt responded to in a timely manner according to the FCRA and once on the date of XX/XX/2021 in reference to these issues being disputed and resolved. It's now been over 60 days and they still have not taken action on the inaccurate information that's reporting to my credit profile.