Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax, XXXX and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. 
listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish My report hard inquiries that are not mines.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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: Information belongs to someone else

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information from my Credit file. The items I need deleted are listed in the ID THEFT REPORT. I am a victim of identity theft and did not make the charge nor accounts. I have been infroming the Credit Bureuas regarding my situation through written letters with complete attahments of my personal information. But despite all my efforts to have the fraudulent items removed, the Credit Bureuas have failed to comply with tmy requests and the FCRA section XXXXb. I am frustrated to see that the Credit Bureau have done nothing in order to correct my Credit File. The XXXX and Equifax Credit Bureaus clearly violated the FCRA regulation and I am tempted to pursue legal action against the Credit Bureaus. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the Fair Credit Reporting Act Section XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX CARD XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00}.
Complaint sub-issue: Changes in terms mid-deal or after closing

I have a car in lease. I signed for a loan XX/XX/2019 at XXXX..went back to dealer XX/XX/XXXX XX/XX/2019 .I asked him to cancel loan it was to much. That I needed to extend the lease. So I extended lease with XXXX XXXX. Filled out paperwork and explained what happened at dealership. This was done XX/XX/2019.I was told not to worry they will extend my leases. They receive my money and the contract. But on XX/XX/2019 the dealership with through with the loan. So XXXX XXXX told me because they received the money before mines they took the check. But they also took my check and cashed it. .for my lease extention
Complaint sub-issue: Personal information incorrect

On XX/XX/2021, the USPS forwarded a letter to me from Equifax Information Services LLC. Equifax had addressed the letter ( dated XX/XX/2021 ) to a 3 year old address that is no longer on my Equifax credit profile. I was unable to dispute the address online with Equifax because it's not listed on my Equifax credit profile as my current or previous address. Equifax was made aware of this issue several months ago but has refused to cease sending mail to former addresses. This is the 2nd letter I've received from Equifax that they've mailed to addresses at which I haven't lived in several years. I have attached a screenshot of the letter for evidence.
Complaint sub-issue: Account information incorrect

ALL 3 CRA 's have not updated my balances for my XXXX   account in months my balance is {$0.00} 's yet XXXX   EQUIFAX AND XXXX are still showing a balance of {$620.00}. XXXX  has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET EQUIFAX KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX!
Complaint sub-issue: Account status incorrect

I have disputed the late payments on XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Information belongs to someone else

After speaking with XXXX Bank, new information has come to light on their reflecting late payments to their company. Their claim is that I purchased an XXXX at XXXX in XXXX of 2021. As earlier reported, I gave my son permission to purchase the system via XXXX XXXX. I have found the receipts and the proof that he purchased the system months later using out XXXX XXXX card at XXXX XXXX. XXXX, we have a case of identity theft. We did not make this charge, it should be removed from my credit report. Further, I paid the invoice because I wanted to stop the negative information. I would like to be reimbursed for the amount I paid. 

Note also that the purchase was made and picked up in XXXX area. 

I have the receipts, serial numbers, etc of our purchase. 

Please help me resolve this with XXXX Bank.
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.

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 instruction 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make a 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.
Complaint sub-issue: Information is not mine

The credit bureau Equifax refuses to remove an item/account in dispute that I have provided documentation for from the collection agency that states they will request to have this item/account deleted. I 've spoken to several agents all with different answers and no solution. One agent ( XXXX ) claims the document was n't legible, so I 'm submitting the document in this complaint to ensure legibility.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX, I requested my XXXX score for the first time this XXXX in XXXX from all XXXX credit bureaus. With using XXXX, none of my XXXX scores were available to be reviewed by myself. I contacted XXXX that none of my XXXX  scores were displayed and was directed to contact each of the bureaus. I contacted XXXX on XX/XX/2022 that my score were not available, with proceeding to view the scores on XXXX the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. XXXX XXXXXX/XX/2022 there are still no XXXX  scores available to me. 

Under law " XXXX XXXX XXXX  et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ''
Complaint sub-issue: Problem related to refinancing

I, XXXX XXXX, applicant, dated on XX/XX/2023 went to car dealership at XXXX XXXX XXXX XXXX XXXX, Florida XXXX. However, XXXX XXXX XXXX XXXX, has failed to comply with the Equal Credit Opportunity Act. In addition, I was not able to get the Auto loan. I have reasonable cause to believe I was discriminated. See attachments.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I used my Bank of the West MasterCard and purchased 2 tickets to a concert from XXXX. The XX/XX/XXXX concert was cancelled due to covid. XXXX says the concert is not cancelled but postponed so they won't refund the ticket price plus fees. 

I contested the charges of {$120.00} and {$4.00} that posted XX/XX/XXXX on my Bank of the West statement due to " Service not Rendered ''. I received a letter from Bank of the West denying the reversal of charges with them stating that they are not responsible for misrepresentations made by merchants which I choose to due business with. Is this not the definition of " Service not Rendered ''? 

Bank of the West ends the letter with " This is not a bank issue ''. 

The Case ID is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX recently started reporting Re-Aged Disputed Mortgages that had already been removed over a year ago due to the 7 year Limitation. The Accounts last reported delinquent payment was in 2009. It  appears they simply removed the old Info and started re-reporting even with False information of a payment even though one was never sent and the Historical Information they provide clearly shows no payment has been received. The issue is compounded with trying to deal with Equifax. Even though Equifax has and was provided documents from themselves in the past they simply send back a letter saying XXXX states they reported correctly ( Information is blank or conflicting ). The agents in the call centers have no ability to do anything but re-dispute. When I have been able to actually speak to a empowered person like a supervisor at XXXX XXXX for example they actually review the documents with me and clearly see the issue with a resolution. The Equifax agents appear to be not USA based and never allow you to even get to the Survey to complain. I have actually let my phone sit on mute for almost a half hour to be hung up on. This same issue has happened to my husband 2 times in the last few months again with XXXX and Equifax. Equifax needs to fix its dispute system and XXXX needs to be held liable for the abuse of its reporting
Complaint sub-issue: Reporting company used your report improperly

Equifax has allowed my personal information to be compromised. They need to be shut down. They need to pay out every penny of their worth back to the people they violated.
Complaint sub-issue: Didn't receive enough information to verify debt

I never received a 30 day notice informing me of this debt. Never got the chance to pay it or validate the debt, if just showed up on my credit report. When I disputed it with XXXX, I gave them my address and telephone number and still received nothing.
Complaint sub-issue: Account status incorrect

i wrote equifax about XXXX XXXX reporting an unverified account on XX/XX/2019 certified mail return receipt and ask them to verify or remove it.To this date they have did neither one and im asking that this negative item be removed off my credit report if not done within the 30 days by law.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My Discover card was closed without notice and this will have an effect on my credit score. In fact, when I paid off my XXXX XXXX, my credit score went down XXXX points?????????? 

I called Discover to find out why they did this without notifying me and they claim they sent an email back in XXXX and a letter I never got in the middle of a pandemic. 

I spoke with Discover XXXX XXXX on XX/XX/2021. Requested a copy of the letter. This is what banks do with consumers. I had not used the Discover card, as it had a very low limit and they were rude when I inquired about it about two years ago. My credit score is currently XXXX. It was XXXX. It went down to XXXX after car was paid off. So its not your good pay that counts. Its the banks abusive behavior towards middle class honest consumers. 

Whats worse is knowing that this agency the CFPB is in the banks pockets. Just wished to make a record. What a waste of time and money we might as well all go live in XXXX XXXX.
Complaint sub-issue: Account information incorrect

Keybank continues to report to XXXX  that the initial delinquency date of this account is XXXX. This initial delinquency date of this account is XXXX!!! The account was not brought current since this date. Keybank is reporting activity dates to XXXX  but XXXX  does NOT report based on activity they report based on delinquency!! Activity DOES NOT = delinquency. It does not matter if the there was activity on the account in XXXX. The account was never brought current and the initial delinquency date is XXXX!!! Please report the correct initial delinquency date on my credit report and remove this account from my credit!!!!
Complaint sub-issue: Investigation took more than 30 days

I had a secured Discover Card in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to Discover and mailed them by USPS delivery confirmation mail to Discover, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 

Again the card issuer was Discover however the Collection Agency was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the Discover account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my XXXX  scores are close, but due to this negative, they are not close enough. This one negative from Discover is killing my chances of getting the loan. If I still owed Discover money I could understand the bad wording on my credit report, but I do not owe Discover a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,
Complaint sub-issue: Information belongs to someone else

I sent 4 dispute letters to all 3 credit bureaus ( Equifax, XXXX, and XXXX ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP. I've been violated for months and this has to stop NOW.
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes through the MYEQUIFAX.COM website for removal of the following inquiries. Their investigation are incomplete. I am was never furnished proof that the inquiries belonged to me. Equifax failed to complete a full investigation Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I )
Complaint sub-issue: Attempted to collect wrong amount

Macy 's sent my acct to Collection to XXXX XXXX XXXX , XXXX on XX/XX/XXXX for a debt of {$310.00} ( including fees charged and interests charged ). Regardless the account was canceled by credit grantor, Macy 's is continuing using an unfair practice to charge interests and fees to my account they already closed. When I received a letter from the Collection agency, I called them on XX/XX/XXXX offering a settlement. According to Citibank-XXXX XXXX XXXX, XXXX the amount raised from {$310.00} to to {$390.00} in only one month. I offered a one time payment of {$230.00} ( 60 % of the new debt or 75 % of the original debt of original debt of {$310.00} ). Unfortunately, XXXX XXXX XXXX , XXXX did not want to agree with the settlement and after several calls I dropped the ball. 
Additionally, on XX/XX/XXXX, my account has been recalled by Citibank , N.A . and XXXX XXXX XXXX , XXXX is no longer being serviced by them. 
I made an offer and the collector refused to back down. It is no illegal, but may violate the companys policy for which the collector is working. Normally, Collectors are paid on commission, which is their motivation for collecting as much as possible. XXXX XXXX XXXX , XXXX wanted to get another month past due to get a higher commission. Additionally, I asked to talk with a Supervisor and repeatedly told me that a Supervisor was not available. Finally, when I talked with the Supervisor the amount had increased and my request denied. 
This bad practice collection has affected me an increasing disproportionately this crippling debt. 
Macys changed on XX/XX/XXXX to Citibank, N.A./Department Stores National Bank as a new collector. Obviously, Citibank did not offer any new way to resolve this issue and my efforts were completely invalid. Every time I wanted to talk with Macys they transferred the call to Citibank. 
Unfortunately, the amount has increased every month and according to the last statement released by Macy 's, the actual debt increased to {$500.00}. As a consumer, I requested the protection from the Bureau of Consumer Financial Protection for this unfair practice given by Macy 's with a customer who is retired and the account canceled and sent to collection on XX/XX/XXXX. 
Macys should resolve this issue in a fair practice with the consideration of my initial offer to settle the account for the amount of {$230.00} and CFPB implements and enforces federal consumer financial laws to ensure that all consumers have access to markets for consumer financial products and services that are fair, transparent, and competitive and not charged with abusive late charges and interests.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Reporting Agencies look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 

XXXX XXXX Balance Owed : {$0.00} The fact that you are still listing this account as being past due despite the fact that it has been paid in full and has no outstanding amount is a blatant violation of the Fair Credit Reporting Act. I never missed a payment on this account. My records indicate that I never missed a payment on this account, which was paid as agreed. I need you to please either entirely erase the disputed account from this account 's payment history or take care of the late payments. 

XXXX XXXX  XXXX XXXX XXXX : {$1.00}, XXXX You have done nothing despite my repeated attempts to dispute this account and get the payment history updated. I never made late payments for this account, hence the late payments that are shown in the payment history of the account are false. Please update the payment history as soon as you can by deleting the recorded late payments. 

XXXX  XXXX XXXX Balance Owed : {$1100.00} This statement was never late and never will be. I've tried to ask you to alter the payment history since you are putting false and inaccurate information about me on my credit record. I ask that you stop reporting late payments on this account and only provide truthful information going forward. The FCRA requires proper credit reporting.
Complaint sub-issue: Reporting company used your report improperly

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 a account without my written instructions 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 a account without my written instructions 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 a account without my written instructions 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXXXXXX 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 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 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 XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information which has led to a breach that puts myself and millions of others at risk of identity theft and credit fraud. I am extremely disappointed with how Equifax has handled the 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 from Equifax despite their knowledge of the data breach since late XX/XX/XXXX, and instead am just now learning about it in the news, on XXXX XXXX, 2017.