Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with statement of dispute

XXXX XXXX XXXX XXXX account number XXXX See attached documents. This account should read XXXX balance and CLOSED. 

The attached are from FEDERAL BANKRUPTCY COURT. Signed by a FEDERAL Judge. 
Failure to properly note credit report is violation of FEDERAL LAW! 
This is solely on EQUIFAX not XXXX XXXX. 

EQUIFAX will be reported to XXXX XXXX Bankruptcy Trusteee and Magistrate if this inaccurate information is not corrected. LOOK AT THE DOCUMENTS ATTACHED!!!!!! 

They are from FEDERAL COURT. They Trump any documentation by XXXX. 

The ACOUNT SHOULD read CLOSED and XXXX balance just like the DOCUMENTS FROM FEDERAL COURT!!!!!!!!!!!!!!!!!!
Complaint sub-issue: Account information incorrect

Every time I try to access my account online using Eqifax it ask me these questions that they say are on my consumer report and I FAIL EVERYTIME!! I KNOW WHO I'VE HAD A LOAN WITH. NOBODY!! I KNOW WHEN I GOT A MORTGAGE LOAN. NEVER!! I KNOW WHEN I GOT A RETAIL CREDIT CARD. NEVER!! SOMEBODY NEEDS TO FIX MY CONSUMER REPORT BECAUSE AFTER A MONTH OF ANSWERING NONE OF THE ABOVE TO ALL THE QUESTIONS AND THEY TELLING ME IT'S INCORRECT IS REALLY TWERKING MY MELON!!!
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I submitted disputed and the 3 bureaus have not updated me on the accurate and verified the information on my credit report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX XXXX 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: Account status

I have a total of 10 accounts listed on my Equifax credit report that should have been removed ( according to the Fair Credit Reporting Act after 7 years ) that have closed/ last reported dates ranging from XXXX-XXXX. I contacted Equifax and they advise their policy states 10 years, which violates the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE TAKE TIME TO READ THIS AND THE PROOF. This is becoming an ongoing problem and blatant negligence involving my SSN and credit reporting by the hands of CITIBANK. I have desperately tried to peacefully resolve this false reporting and mishandling of my credit by CITI BANK. They sold a a debt to a third party ( XXXX XXXX ).  This third party violated many Consumer laws which lead to a settlement with them paying me and also agreeing to delete this account from my report ( all attached ). I even paid the debt beforehand so it wouldn't damage my credit.

I then contacted CITIBANK via letter several times to notify them that they were reporting false information and requested for them to delete the fraudulent account, in response they then sent me a letter ( attached ), saying that the matter is no longer theirs and I would have to take it up with the company that I won a settlement against. 

THEN 30 DAYS LATER THEY UPDATED FALSE INFORMATION TO MY CREDIT REPORT, causing it to drop 90 points, while I was in the middle of closing on a home. This caused my family so much strife and hardship. The obvious false reporting has held up my purchasing of a home, leaving my wife and kids in limbo while I rectify this situation. PLEASE look into this. This is clear bullying and they knew exactly what they were doing because I stayed in constant communication with them throughout the process. So instead of rightfully deleting this account they reported i had a balance of {$3000.00} as recent as XX/XX/2018. This account has so many violations. Its past the statue, false reporting, etc. I will not stop until their wrong doing is brought to the light. Legal action is on the way. 

Thanks
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.
Complaint sub-issue: Information belongs to someone else

Since XX/XX/XXXX of XXXX, I have been sending letters to XXXX XXXX and Equifax to let them know that I'm a victim of identity theft and I've noticed fraudulent accounts on my credit report. XXXX  is the only credit bureau that actually deleted the fraudulent account with XXXX XXXX XXXX XXXX for my credit report but it still remains on my experience and Equifax credit report so now I'm filing this complaint against Equifax and XXXX  so they can remove this fraudulent account on my credit report with XXXX XXXX XXXX XXXX.
Complaint sub-issue: Attempted to collect wrong amount

Discover Bank, you are in many violations and I am demanding you Discover Bank to correct all of your errors on my consumer reports right now. CFPB, FTC investigate this matter. I blame the Credit Reporting Agencies XXXX for never doing their job properly because I disputed this account and XXXX said it was valid. 

So I blame yall XXXX XXXX, so please do not act XXXX when I invoice yall for violations. 

First off, Listen hear Discover, you are furnishing MY private information and I have the right to privacy, Im not sure if you are aware that is a {$5000.00} fine, I did not give you permission to furnish my private information on my behalf.

2nd, I am putting you on notice in regards to the charge off and DISCOVER BANK should know what the IRS says about a cancellation of debt of 600 or more and I am demanding DISCOVER BANK to send my 1099c, which you should have received when the debt was charged off. Also I will have to contact the IRS on them. A charge off is gross income and doesnt get reported. As of dated XX/XX/2022 at the time of XXXX XXXX, is reporting a Charge Off to ALL credit reporting agencies on my behalf with a balance of {$1200.00}. I have never received a 1099c form from DISCOVER BANK. 

There are various violations this company DISCOVER BANK are in 12 CFR 226.11 - Treatment of credit balances ; account termination. 

a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall - ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

The executive from Discover, XXXX, told me I can NOT reopen my account, when I asked to reopen my account, hes very rude, and Discover Bank is doing unfair business. I just CLEARY explained everything in a very basic and understandable term.
Complaint sub-issue: Didn't receive notice of right to dispute

i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately
Complaint sub-issue: Frequent or repeated calls

They call every two hours. When I answer the phone, they hang up every time. Had to call the number back to figure out who they were. The calls persist with no recourse for me to make them stop. This is my second complaint about excessively repetitive phone calls. They've been told to stop calling and they refuse.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Theres unauthorized inquiries on my credit report and I would like to have them removed XXXX  removed these disputed inquiries but Equifax and XXXX  hasnt all three credit bureaus are reporting different inquiries
Complaint sub-issue: Their investigation did not fix an error on your report

These accountst should not be on my credit report. Equifax has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with XXXX XXXX. 

There is an account with XXXX XXXX in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.
Complaint sub-issue: Reporting company used your report improperly

I have not authorized anyone to report anything on my credit report and it keeps getting worse! 
Remove all former addresses Negative remarks I have not authorized anything
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/18 incident date XXXX XXXX  XXXX XXXX XXXX Amount charged {$2800.00} with 26 % interest revolving -MALPRACTICE ON A MINOR. 
-NEGLIGENCE FOR FAILURE TO A INITIAL CONSULTATION. 
-NEGLIGENCE FOR FAILURE TO PRIOR ACCURATE MEDICAL ANALYSIS OR HISTORY CHECK. 
-MALPRACTICE FOR INCOMPETENCE POOR PERFORMANCE. 
-INTENT AND DENIAL TO RIGHT TO CANCEL CONTRACT WITH A LESS THEN-24 HR NOTICE. 
-REFUSAL TO COOPERATE COMMUNICATION LESS THEN -24HR AFTER PATIENT REQUEST TO CANCEL. 
FAILURE -BUSINESS CONTINUED PAYMENT WITH INTEREST FOR NO SERVICES RENDERED.
Complaint sub-issue: Reporting company used your report improperly

YOU BROKE THE LAW Please carefully read the following.

Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of 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 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. 

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ).

I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 

I demand you remove the following address and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court XXXX XXXX XXXX. / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I dont ever recall giving you EQUIFAX any consent to furnish anything on my credit report nor did you ask for permission as you are required, im aware that i can opt of of your agency which has violated my rights but pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnished on my consumer report it has caused me major financial distress and has caused me to lose my confidence in the banking system. This has been an invasion of my individual privacy. If EQUIFAX wants to continue doing business with me, They should delete these inaccurate accounts off my consumer report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

List of phone calls .... 

Mobile Loans Was told on XX/XX/19 to not pay and then they will offer settlement Missed Call XX/XX/19-XXXX Missed Call XX/XX/19-XXXX Answered Call XX/XX/19-XXXX Missed Call XX/XX/19-XXXX   Answered CallXX/XX/19-XXXX I told them I could not afford to pay them and told them I'm sorry Missed Call XX/XX/2019-XXXX XXXX Sent an email stating I will only want one call a day. XX/XX/19 Missed Calls XX/XX/19 XXXX and XXXX Answered Call XX/XX/19 XXXX XXXX Told them I could not make a payment and asked for settlement Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Answered Call XX/XX/19 XXXX Told them I could not make a payment and asked for settlement. Explained that my other bills come first. 
Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Calls XX/XX/19 XXXX, XXXX Sent a second email stating I will only want one call a day. XX/XX/19 Answered Call XX/XX/19-XXXX XXXX I told them to escalate it to a manger that might be willing to come up with a settlement. 
Missed Calls XX/XX/19XXXX Missed Calls XX/XX/19 XXXX Missed Calls XX/XX/19 XXXX, XXXX Called Them XX/XX/19XXXX I told them to escalate it to a manger that might be willing to come up with a settlement. 


Here is the list of phone calls I received and I have asked for only one phone call a day on XX/XX/XXXX. They said since they are not a third party debt collector the FDCPA does not apply to them. I would like a settlement before it is sold. But they are breaking the law as far as I know.
Complaint sub-issue: Funds not handled or disbursed as instructed

Some one has stolen my identity and changed my SSA check from my savings account to my checking account. My checking account keeps getting hacked and hit with all types of charges. They have also taken my XXXX XXXX XXXX Records and I believe they will commit fraud.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report Act : Account Name XXXX XXXX XXXX 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: Reinserted previously deleted info

On XX/XX/XXXX, I discovered Creditor, XXXX XXXX, Equifax, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, Equifax, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account XXXX XXXX XXXX Item Status : Was removed XX/XX/XXXX. Item removed on multiple dates but latest credit file showing item re-inserted after FCRA period of expiration XX/XX/XXXX. 

XXXX XXXX XXXX Item Status : Was removed on XX/XX/XXXX. Removed and re-inserted on multiple dates. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
Equifax XXXX XXXX Item Status : Item latest removal was XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 

Sincerely, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY!

-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
XXXX send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

XXXX and Equifax never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.
Complaint sub-issue: Account status

All my accounts have been paid as agreed, there is a mistake on a XXXX XXXX XXXX account # XXXX I need this corrected ASAP
Complaint sub-issue: Was not notified of investigation status or results

I have mailed numerous letters pertaining to my credit report and the incorrect information reported in it, to no avail have I received responses from the credit reporting bureau agency Equifax. It has been over 60 days since I sent the first request via certified mail with return receipt to investigate into my credit report. The first letter sent to this reporting agency was XX/XX/2020 ( I will include these receipts ).
Complaint sub-issue: Trouble with how payments are being handled

Mohela 1. Second installment on this loan was late by one day, company change loan repayment schedule, and called the account delinquent ; without my consent. 

2. Company has changed interest rate and repayment schedule on fixed rate loan ; again with no notification or consent.
Complaint sub-issue: Company closed your account

I was sent communication from Discover that I had a past due balance, with no communication regarding a penalty of closing my account if I did not pay the past due balance. On XX/XX/2021 I paid the account balance of {$7000.00} in full. On XX/XX/2021 my account was closed. 

The Discover representative that I spoke with today, XX/XX/2021, didn't know why my account had been closed either. The only note on my credit report is that the account was closed by the creditor.
Complaint sub-issue: Information is missing that should be on the report

I have had a mortgage on my home in good standing with on time payments f or seven years . The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at lea st five se parate occasions about this issue. Their canned response is that they are reporting to all three bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all three credit bureau 's insist that   XXXX   is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX
Complaint sub-issue: Reporting company used your report improperly

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX  and Equifax is in violation of 15USC 1681c-2 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 ( 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 statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, still have the following Inquiries and accounts on my credit report. 
Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Complaint sub-issue: Information belongs to someone else

This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX -DEPT OF EDXXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX  # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX # XXXX
Complaint sub-issue: Debt was paid

i am receiving XXXX care through the XXXX XXXX XXXX XXXX for which they bill me after they have been reimbursed by XXXX and XXXX supplement programs. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they have billed me {$320.00}, {$100.00}, {$280.00}, and {$110.00} respectively for services rendered. I have paid XXXX XXXX XXXX XXXX each of those amounts by checks # XXXX on XX/XX/XXXX, # XXXX on XX/XX/XXXX, # XXXX on XX/XX/XXXX, and # XXXX on XX/XX/XXXX, respectively. 

XXXX XXXX XXXX XXXX now claims that {$510.00} of the billed amount remains unpaid and has referred that amount for collection. 

This is in error and I suspect fraud. No effort to clear this matter by talking directly with XXXX XXXX XXXX XXXX has bee effective.
Complaint sub-issue: Account information incorrect

I have tried over XXXX times in the past 2 years to have these removed from my credit report because these are not mine and have never been the companies just answer back with a generic it is yours so we are not changing it but they are not listening to me at all.
Complaint sub-issue: Information belongs to someone else

I am very pressed by terrible life conditions and these fake accounts in my credit report just ruining my life. I want you to delete them as I can not operate anymore ... These items just killing my score and my future.