Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

A letter was sent to all 3 credit reporting agencies with an explanation of the disagreement with their investigations. 
The letter was sent on XX/XX/XXXX and it has been over 30 days. These incorrectly reporting accounts need to be deleted. They are in violation of USC law 1681 ( 2 ) ( A ) ( I ) ) USC law 1692 d It is illegal to report both income and debt on my report according to the IRS guidelines section 603. These companies have listed my account as as a charge off. And that means they filed a 1099C which is a written off income. They are committing fraud and the credit reporting agencies are doing the same by reporting this information. Income does not get reported on the credit reports. Those accounts need to be deleted.
Complaint sub-issue: Was not notified of investigation status or results

I am writing because I sent letters to the 3 bureaus about 5 or 6 months ago to address these fraudulent inquiries and collection accounts that I know nothing about. These bureaus and companies are affecting my credit and no one is responding to any of my complaints in trying to fix the situation. They are violation laws by reporting wrong information as well in all those reports that I seen, saying the same accounts were opened on different days and that's not right. I am a victim of the Equifax breach and these are all false and I need help in rectifying this. If this can not be resolved then I will have to seek litigation because this is criminal that they doing.
Complaint sub-issue: Funds not received from closed account

The company called transferwise delayed my transfers for upto 3 weeks without any tangible reason. This caused the death of my XXXX XXXX XXXX brother in law that was under my care in the hospital. They closed my account due to my further complaints and a request for a compensation. They already know. They should remedy this situation before it goes out of hand.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$820.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$6400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$16000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$200.00} in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights, 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: Threatened or suggested your credit would be damaged

I do not know who this company is. I have disputed it with the credit reporting companies. I requested any and all originating documents. It is in violation of HIPAA law as well. Please inform this company to remove in and all information about me from their systems. I did do not consent to any selling or purchasing of any information involving my person. I have never done business with this company. I also will report to XXXX  if necessary.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. I am not comfortable with how the steps Equifax has taken to protect my information, or the steps Equifax has taken to notify myself and rectify this grievous error.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}
Complaint sub-issue: Can't close your account

On XX/XX/2022, I called U.S. Bank to see why they locked my account. They said that I need to go into the branch that I opened the account. I was living in XXXXXXXX XXXX  at the time I opened the account. However, I opened it online so there wasnt really a branch. Anyway, they tell me I need to come to a branch so they can talk to me in person. Thats not impossible in my current condition. So I told the person to close my account and send me the funds. She said they cant do that. They make it impossible to do anything when youre XXXX  and XXXX XXXX.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX ( Loan XXXX ) appears on my XXXX, XXXX, and Equifax credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34.

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, XXXX, XXXX, & Equifax ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my XXXX, XXXX, and Equifax credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for XXXX XXXX XXXX XXXX XXXX XXXX?
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to all three credit bureaus disputing the late payments on XXXX XXXX on XXXX XXXX, 2020. The credit bureaus are reporting different months I was late on all three credit reports which are inaccurate. I have never been late on my mortgage.
Complaint sub-issue: Account information incorrect

For months I have made the decision to work on my credit report since XX/XX/2020 I have been sending letters to the credit bureaus to eliminate accounts reported in an erroneous way and I have been ignored, my right to a fair credit has been XXXX. I have not received a single letter at my residence from the credit bureaus.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There was a hard inquiry placed on my account. This inquiry was fraudulent in nature. However I was able to contact the vendor who ran my credit. The vendor also agreed that this was indeed a fraudulent attempt and agreed to remove the hard inquiry from my account, even going so far as to email me an official letter stating just that. The inquiry was only made with equifax. I used the equifax online dispute tool to file for removal. A few days later i received an email stating that my dispute was completed. However, upon attempting to check the results i found myself locked out of equifax.com/dispute. I then called and was told that my dispute was COMPLETE and the item on my credit report in question will indeed stay present for up to two years. I then was told to have this removed I would need a police report as if the vendors letter and request was not enough. How is this so? Where is the protection for the consumer? I then asked the equifax representitive for documentation of the policy that states that i need a police report to have inaccurate information removed. Silence. I also asked for the process in which determined that this mark on my credit report was accurate and valid. The Equifax rep stated that there will be no investigation and that there was no investigation. So what criteria was used to determine the validity of this inquiry? Who decided? And why wasnt i asked for any evidence to support my dispute? This is highly unlawful and a violation of my rights in accordance to the fair credit reporting act. In addition to the lack of examination of my dispute i was also locked out of my own file restraining me from submitting a statement on my credit file. Another violation.
Complaint sub-issue: Reporting company used your report improperly

The credit reporting agency furnished inquiries and accounts on my report without permission. I, as the consumer, also asked them to remove all of these inquires and accounts not initiated by me ( The Consumer. ) This company is violating the law and my rights as a consumer. I'm exercising my rights to have these accounts be removed per 15usc 1681b section C 1 ( a ) : '' I do not grant XXXX, Equifax, or XXXX  the right to furnish this on my report.

My instructions are for you to Remove all inquiries from my report.

Per 15 usc 1681b section C ( 3 ) : A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Remove all student loan accounts from my report. Per 15 usc 1681b section ( e ) ( 1 ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
Complaint sub-issue: Information is missing that should be on the report

submitted online request to get my name and address updated and still my name and address are incorrect
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called to inquire on rates and my options with XXXX XXXX XXXX XXXX and without my knowledge, they did a hard inquiry on my credit report. I never authorized it nor was I informed that they would be doing an inquiry on me. I got a text from XXXX XXXX informing me that I had had a hard inquiry on my account.
Complaint sub-issue: Information belongs to someone else

Their has been unauthorized use of my credit report. I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. This is unacceptable and in violation with the FCRA and FDCPA. A furnisher must not furnish inaccurate consumer information to a Credit reporting agency, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate, fraudulent, or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach and XXXX XXXX  data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.
Complaint sub-issue: Received bad information about your loan

I have a student loan that was consolidated in 2007, I shopped the loan to different lenders.The best quoted interest rate was 2.2 percent so I told that person I would do that loan. I was supposed to get loan documents to sign and send back, I never received any. Instead I received a payment book. So I paid on this loan with electronic payment for 11 years till last year when I received an offer to lower my student loan from the better than 7 percent interest I was being charged. I talked to AES and they told me that was the percentage rate. I have informed them that I did not sign the promissory note and that they really needed to honor the quoted rate as they did not have legal documents to secure the loan. They then sent me an incomplete promissory note with an interest rate of 7.1 percent. Of course there is no signature, my social security number, my employer at that time, the company offering the loan, my drivers license, my email. So the loan documents they provided to me are pretty much legally useless from there perspective. I would have never ever even considered consolidating at an interest rate much higher than I was paying at that time. This loan was consolidated at 7.1 percent interest without my approval or signature and the loan documents provided by AES are not legally binding. They do however illegally report it to the credit bureau which requires that the loan is legally held, and knowing this they still report it thereby committing fraud.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 I have received an email regarding a new credit inquiry under my name for a XXXX XXXX XXXX card/service. 

I have immediately contacted XXXX to dispute the inquiry and they directed me to contact Equifax to dispute it. 
I have contacted Equifax and they requested that I send them a letter with information to verify my identity and request to dispute the inquiry. I have mailed the letter and all the information to them on the same day. 

Since I haven't heard back form anyone and it's been almost 3   months I have decided to contact Equifax today and check the status of the dispute. 
They confirmed that they received my letter. 

They told me that they can't do anything about it without XXXX sending them a letter saying that they agree to remove the inquiry. 

I have called XXXX to request that they will do that and they said that the only way for them to help is if Equifax will contact them directly to request this information. 
I called Equifax again and they said that they don't contact anyone, " the only hold information ''. I called XXXX again to let them know that Equifax don't contact anyone and that I need them to contact Equifax or send me something that I can then transfer to Equifax and they said they won't do it and the only way that it works is if Equifax will contact them. 

XXXX agree that they don't have any authorization from me to run this credit inquiry, yet they won't help me fix this fraud. 

I have been trying to speak to 5 different reps and managers at Equifax and 5 different reps at XXXX to try and resolve this, sent letter, verified my information, spent hours on phone call and I am still stuck between this two with no one to help me. 


PLEASE HELP ME! 


Thank you.
Complaint sub-issue: Information belongs to someone else

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.
Complaint sub-issue: Debt is not yours

Ive contacted XXXX XXXX XX/XX/XXXX regarding a collection on my credit report. At the time of the service my daughter had VA XXXX. XXXX XXXX did not bill the services correctly. XXXX XXXX response was my daughter did not have coverage. Which incorrect. I provide patient XXXX with the documentation. Now the bill has been turned over to collections. Ive been disputing this bill since then. The original amount was {$250.00}. The XXXX XXXX XXXX XXXX has the amount {$460.00}. Ive contacted XXXX and disputed the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also contacted the collection agency.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/18 a fraudulent {$160.00} charge by merchant XXXX XXXX XXXX   XXXX NY was made to my Citi Mastercard account. On XX/XX/18 when my monthly statement arrived, the fraudulent charge was discovered and an online dispute ID : XXXX with Citi was opened. On XX/XX/18 I received a letter from Citi, backdated to XX/XX/18, stating that it would not reverse the fraudulent charge.
Complaint sub-issue: Account information incorrect

Creditor reported an incorrect date of first late payment and incorrect account balance. Disputed item XX/XX/2020. I requested creditor delete account from credit file creditor did not and did not verify there reporting information. Creditor should remove this account my credit file.
Complaint sub-issue: Account information incorrect

I placed an email order with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) in the amount of {$100.00}. Days passed without getting a confirmation email of the order being received. I then decided to call to ensure the order was, in fact, received. I spent a ridiculous amount of time on the phone being handed off to people to finally be told they had not received the order and that they were going to place it right then XXXX XXXX number XXXX ). A few days later, I receive the items in the mail. Then a few days after that, I receive the same items again. When I called the company and explained they sent me a second order ( and charged me for it ) they said I could mail it back and get a refund but I would have to pay shipping ( which was {$20.00} according to their original charge ). I was absolutely willing to take my personal time to mail it back but I was not going to pay for the items that I did not order or pay to send them back due to their lack of organization and accuracy which obviously takes place within the company. When I called it was very clear that no one knew what was going on and when I called to resolve their mistake they were not helpful at all. At this point, I have spent several hours on the phone with this company and did not feel it was my responsibility to pay for their mistake. I then gave up and called Discover. I have been a faithful Discover card user for 21 years without a single missed payment or even a dispute. I thought my card company would help me dispute the incorrect, unapproved, 2nd charge to my account ; however they came back and said I was responsible to pay it. I do not see why I have to pay for a company charging something to my account that was not approved. I have since refused to pay the amount and they have added late fees and submitted my account as delinquent. I would like this reversed, as it was not my fault. I have also submitted the a complaint to the XXXX  of the company requesting they refund Discover card charge.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a collection letter from Voss and Klein. After disputing a false collection claim in writing and sending it certified mail, the reported debt was sent to collections prior to receiving a response by Voss and Klein. This is obviously a scare tactic intended to prompt you into paying a debt that isn't yours just to make them go away. I posted a negative review of Voss and Klein because they violated the Fair Debt Consumer Protection Act by not responding to my dispute ( sent within 1 week of receiving the letter ) and negatively affecting my credit. I posted a negative review of Voss and Klein as is my right as a consumer dealing with this company. The company retaliated against my business that evening by posting a negative review of my medical practice. The post was made by the CEO of Voss and Klein, XXXX XXXX XXXX from XXXX XXXX, Florida ). Retaliation and unethical malicious attacks on a business is illegal. They are in direct violation of the Fair Debt Consumer Protection Act.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from XXXX or Equifax. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my XXXX credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On Equifax. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.
Complaint sub-issue: Information belongs to someone else

My legal name is XXXX XXXX XXXX NOT NOT XXXX XXXX XXXX XXXX MY DRIVERS LICENSE, IRS RETURNS HAVE ALWAYS BEEN XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

all FCRA violations I dont not have all this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY Never lived
Complaint sub-issue: Reporting company used your report improperly

Please remove account from my profile
Complaint sub-issue: Banking errors

Opened a checking account from the bank with a promotion. Also confirmed the promotion/offer details with the phone representative when verifying application details. Met all the requirements for the promotion but did not get the promotion bonus.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$9100.00} ; XXXXXXXX XXXX XXXX  XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX : {$7000.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX