Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

Attention dispute department AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

I had reached out to XXXX, XXXX, and Equifax about XXXX account # XXXX to request for them the verify the accuracy of the account. XXXX, XXXX, and Equifax updated me that the account is being reported with accuracy. 
I then viewed an updated report and the account is still reporting inaccurate. 
I see inaccuracies with the date opened, high credit, last reported, last payment, and last Active. 
In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 incorrect

On XX/XX/2021 I contacted Equifax, XXXX and XXXX requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I attempted again on XX/XX/2021 and XX/XX/2021 1. XXXX XXXX XXXX : {$9700.00} Paid in Full Please supply information on how you have verified this item. This account has been settled 2. XXXX : {$10000.00} Please supply information on how you have verified this item. 

3. XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report.

4. XXXX XXXX - Paid in full {$0.00} Please investigate and delete from my credit report.

5XXXX XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX  -Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

5. XXXX XXXX - Paid in Full amount {$0.00} Please investigate and delete from my credit report.

6. 12 XXXX - Paid in Full {$0.00} Please supply information on how you have verified this item. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX I initially send an investigation letter to XXXX XXXX investigate XXXX bankruptcy cases # XXXX and # XXXX that's currently listed on my consumer report back on XX/XX/XXXX, in which all XXXX consumer agencies, XXXX, Equifax, and XXXX responded back and listed those bankruptcies as verified. After those results, I investigated the third party agency that XXXX, Equifax, and XXXX stated that they used to verify those bankruptcies with, which was XXXX XXXX. Then I sent method of verification letters to XXXX XXXX to investigate both bankruptcies ( # XXXX ) and ( # XXXX ) and they were not able to verify that these bankruptcies, in which in turn XXXX XXXX removed these records from my consumer report with that reporting agency. This makes these cases unverifiable and should be removed from my XXXX, Equifax, and XXXX consumer reports. I sent XXXX, Equifax, and XXXX a copy of the XXXX XXXX investigation results, and they still responded that the bankruptcy cases # XXXX and # XXXX were properly verified, and it still remains on all XXXX consumer reports unlawfully. According to FCRA, if these bankruptcies are unverified by the third party agency XXXX XXXX, so by consumer law protection, these bankruptcy cases should be removed immediately from all XXXX consumer reporting agencies as well. If these consumer reporting agencies are to be investigated as of today XX/XX/XXXX, these bankruptcies ( # XXXX and # XXXX ) remain on my consumer report unproperly verified, which is in clear violation of FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no letter proving that my deferral for student loans got discontinued. Now, the federal loan has created a few late payments on my credit score.
Complaint sub-issue: Account status incorrect

I previously had a car loan with XXXX XXXX back in 2014. Since then, the account has been closed. However, according to my credit report the account is still open. 

Although I do not have a loan with rhis company, my mother XXXX XXXX does, but for a different vehicle.. 
As such, I have paid for her loan using my credit cards and assume the errors are from misapplied payments (? ) Regardless, this account is still being showed as active on my credit report and it is NOT nor has been for several years.
Complaint sub-issue: Information belongs to someone else

identity theft of several items on my credit report
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A MEMBER OF XXXX XXXX XXXX FOR SEVERAL YEARS NOW AND I CANT QUALIFY FOR NONE OF THEIR PRODUCTS. NO CREDIT CARDS OR LOANS OF ANY SORT. I EXPLANINED SEVERAL TIMES THAT SOMETHING IS WRONG WITH THE APPLICATION PROCESS WHEN I FILL OUT FOR A CREDIT CARD. FOR EXAMPLE IT WAS STATED THAT I HAD NEGATIVE ACCOUNTS ON MY CREDIT REPORT AND ALSO COLLECTIONS. BUT WHEN I LOOK AT MY CREDIT REPORT ON EQUIFAX.COM THERE ARE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. PLEASE SEE ATTACHMENT. THE DAY I WAS DENIED ON XXXX THE XXXX MY CREDIT SCORE WAS XXXX. SOMETHING IS TERRIBLE WRONG HERE. I'VE BEEN MENTIONING THIS FOR YEARS TO THEM AND TO EQUIFAX. ON XXXX  FICO PAGE IT STATES MY FICO 9 SCORE IS XXXX WHICH I CANT SEE HOW POSSIBLE WHENS THERES NO NEGATIVE ITEMS IN MY EQUIFAX CREDIT REPORT. PLEASE EXPLAIN THIS TO ME.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am writing to complaint about XXXX XXXX 's servicing of my student loan. Since XXXX of 2018, I have been trying to apply for an Income Based Repayment Plan ( " IBR '' ) with XXXX XXXX. I have submitted more than 4-5 IBR applications. 

I have spent countless hours calling and speaking with the XXXX XXXX XXXX staff, looking into the status of the IBR applications, completing and submitting additional IBR applications, or trying to locate previously submitted IBR applications. 

Each of my calls and document submissions are noted/recorded in their system. 

I have been told countless time that they have everything they need, the application is complete, and to wait 7-10 business days for a response. 

Every time I call back in to check in on the status of my IBR application ( s ), I am told that they either cant find it, I have to check a different box than the employee directed me to check, or they do not know the status and to resubmit. 

It has been almost 6 months and I have no idea what is going on. 

This is causing me much stress and anxiety to say the least. This may also be causing accrued interest to capitalize on my loan. If the latter is also the case, this has not been disclosed to me and I hope it is not because that would mean that I am being punished for XXXX XXXX 's failure to properly and timely review the IBR application, and failure to manage its document collection system. 

I need the CFPB 's assistance as my calls and requests for assistance are being ignored.
Complaint sub-issue: Was not notified of investigation status or results

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 5 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. 

You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Complaint sub-issue: Debt is not mine

My husband had a tenant he turned over to collections thru XXXX. The tenant then filed a lawsuit against XXXX us because they threatened to harm his credit. I sent an email to put this on hold till it could be resolved. They said it could not be placed on hold had it had to be cancelled. I cancelled it and then they sent us a bill for {$52000.00} and my husband called them and they offered to settle for {$10000.00} or " make an offer ''. He told them he had other accounts to send to collections and once this is resolved, he would give it back to them to handle. Until then he thought they might have done maybe {$100.00} worth of work.They then called me and demanded the whole amount and I told them they had done nothing but send a letter and how do they think that entitles them to {$52000.00}? He said to pay it today or it goes up to {$72000.00} on Monday.I would be brought in and held equally responsible because I was the spouse. I told them if they expect to get paid {$52000.00} they need to collect 3 times that amount to get their commission and he said the debt is owed. This is totally ridiculous. You send one letter and expect to be paid {$52000.00} and then {$72000.00} from the person who hired you in the first place? I work on a commission basis and if the deal does not come together, you do not get paid. How do they think they deserve to be paid this exorbitant amount? Then we got collection letters from their partner company, XXXX XXXX, which is also threatening to damage our credit.
Complaint sub-issue: Information is missing that should be on the report

During XX/XX/2021 I emailed A-L Financial from their website questioning why my car payment history doesn't appear on my XXXX XXXX or XXXX credit report. I never received a response and I didn't have a record of the contact form. Today I was looking over my credit reports again to see if they had taken any action and maybe just had not reached out to me. Again no sign of my car payments being reported. 

I called the office of A-L Financial in XXXX XXXX  and I asked why my car payment is not being reported to the XXXX credit bureaus. I was told they only report to XXXX and if I wanted to have it reported to the other XXXX I'd have to do it myself. I don't know if this is a legitimate option for a finance company or not but I've never had this happen to me. 
I have had my car for XXXX months and never late on a payment, I am trying to rebuild my credit and my credit reports all look different, they all have different balances in part because of the non reporting of this company. 
I purchased the car thru XXXX XXXX which is a huge dealership at no time during purchase or after wasI ever told that I'd need to report my car payments to the credit bureaus myself. 
After speaking with the finance company today I contacted XXXX XXXX to find out how I could report it myself and was told there's no way for me to do that. XXXX XXXX referred me to the FTC where I found your information. 

This is a complaint against : A-L Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph # XXXX If this is in fact something they are allowed to do and I am unable to have them report to all XXXX credit bureaus can you please tell me how can go about reporting it myself. 
This seems awfully unfair and sketchy to me. Why would a financial institution refuse to report to all XXXX credit reporting agencies. 

Please advise, your assistance with this matter would greatly appreciated. I feel like I have been scammed. I bought the car to help re-establish my credit and this is like a set back. It's almost been a year since I purchased the car and I am not getting any points on my other XXXX reports for paying on time or generating a positive account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX 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 an account without my written instructions
Complaint sub-issue: Problem with product or service terms changing

RE : Equifax data breach For 5 days now I have been unable to access Equifax breach website to determine my impact and to subscribe to ID theft protection. I can not get past XXXX screens despite multiple correct attempts. I have called help line and their response has been to try again later as site is experiencing high volume. I have tried over 5 days, multiple times each day and multiple ( as many as 10 ) times per access. Do they care? Are they allocating proper resources? Or are they experiencing a denial of service attack?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 at XXXX XXXX, XXXX XXXX, and XXXX XXXX  three payments of the amount of {$71.00}, {$210.00}, and {$250.00} were made at XXXX XXXX. These purchases were unauthorized as I didn't complete these transactions. The card that was used was my Cash App card. Cash App has NO live representatives and I've sent them multiple emails as this is the only way I'm able to contact them. I have still heard absolutely nothing from them as it seems they aren't doing anything to help resolve my issue. I've also contacted the merchant and they have claimed they're unable to do anything for me. I've also filed a police report. This is extremely frustrating as a total of {$530.00} has been taken from me and CASH APP refuses and doesn't show any interest to help me and contact me to move forward.
Complaint sub-issue: Account information incorrect

On XX/XX/2020, my credit report showed I had a late payment for my XXXX XXXX account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for XXXX. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my XXXX XXXX account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my XXXX XXXX account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from XXXX using my credit card during XXXX, XXXX, XXXX, or XXXX of 2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.
Complaint sub-issue: Problem with rewards from credit card

I was booking airline ticket via XXXX XXXX website on XX/XX/XXXX following offer showed up. Please refer to attached document ( screen print taken from XXXX XXXX website ). I applied for credit card as per offer then after meeting requirement when I didnt see the credit of {$250.00} and XXXX bonus miles reached to Citi credit card through which XXXX XXXX issued the credit card. 
Citi informed me since I got offer in past 48 months this offer is not available to me, however that information is not shown anywhere in the XXXX XXXX website. When I complain this issue to Citi for investigate and honor the promotion they offered me as curtsey one time they can give XXXX bonus miles. I registered complain number with citi that is # XXXX. I have not heard back from Citi until XX/XX/XXXX so reached them they Citi said we cant offer promotion since it was given in last 48 months. When I told representative, I know that is what earlier representative told me when I open my complain # XXXX my complin is to investigate issue with XXXX XXXX advertisement misleading the customer because of which I ended up opening the credit card account now Citi bank is not honoring the offer because they have different policy. After several minutes of discussion representative told me since it is from XXXX XXXX promoting go and complaint to XXXX XXXX we cant honor the offer. I need help this issue to be fixed and provide promotional offer to me.
Complaint sub-issue: Problem with statement of dispute

There is a 2011 entry on Equifax 's report for me that I disputed in 2011 ... it reared it 's head again yesterday attempting to get power in my newly purchased condo. The collection agency named ( spoke with " XXXX XXXX '' at XXXX ) realizes that the last name of the person responsible for the debt is XXXX ... I am XXXX. I have discovered that Equifax did nothing to get this error removed from my report and they are totally non-responsive about it now. I need help from someone with authority to provide it.
Complaint sub-issue: Personal information

Wrong address on Equifax report. 
XXXX Florida XXXX is not mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the Equifax Fraud Department at XXXX about the unknown inquiries on my Credit Report. I did apply for credit or contact any of these company to obtain any credit or loans from none these company at all. I also did sign any documents for them to pull my credit file, don't known who given permission to do so. The Fraud Representative told me when talk to them on the phone, that they will remove the hard inquiries once they received the complaint from the CFPB. at the time at they don't have any Disputes at the time. but I file a complaint with the CFPB weeks ago. the hard Inquiries are listed below XXXX Card Date XX/XX/XXXX Equifax XXXX/XXXX  Date XX/XX/XXXX Equifax XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX DATE XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX/XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX Date XX/XX/XXXX Equifax