Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Complaint sub-issue: Can't use card to make purchases

Discover has violated my rights as a federally protected consumer. They provided my information to a ( 3 ) third party entities which is a direct violation of their own privacy act and 15 USC 6802 - 15 USC 6805 ; a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given notice to opt out and now theyve damaged my credit profile! XXXX, XXXX, and XXXX has also violated this law and furthermore have been reporting transactions between me and the financial institution Discover. 

Ive also written to Discover as instructed in the monthly statement mailed to me by the company ; claiming the credit balances on XX/XX/2022. They have yet to remit and apply this to my account. I havent been able to use my card since XXXX!
Complaint sub-issue: Didn't receive enough information to verify debt

I have requested on several occasion verification of this debt and no response from the creditor. I have sent numerous debt validation/verification request to this company regarding the debt, but never receive a response back and it's been over 6 months there for I am requesting the removal of this debt PER the FCRA and FDCPA they are in violation OF THESE LAWS
Complaint sub-issue: Debt was paid

The disputed charge made was for a cancelled service that was settled in collections last year for less than full balance with ERCXXXX XXXX XXXX Please reference documents submitted. 
On XX/XX/XXXX, the original balance owed for the account # XXXX # XXXX XXXX XXXX was {$610.00}. 
On XX/XX/XXXX, the account # XXXXRef # XXXX debt was settled for less than full balance to be paid in full in the amount of {$390.00}. The remaining {$210.00} was written off and account was at XXXX balance and in good standing. 
On XX/XX/XXXX, XXXX XXXX recalled the {$210.00} and sent back to collections to report the account # XXXX debt was owed. I mistakenly believed the account was not paid, since the account was assigned a different reference number Ref # XXXX. After further investigation on my part, I did the math. The amount that I paid this year was a written off charge for a cancelled service that had been in good standing and was at XXXX balance as of XX/XX/XXXX. 
XXXX XXXX illegally reopened the account without my permission and charged me for a service that I did not use nor owe according to the agreement made on XX/XX/XXXX. 
Account was in good standing and at XXXX balance as of XX/XX/XXXX. I have made several phone calls to both XXXX and ERC to report the error and illegal activity. XXXX collections initially made a refund request on XX/XX/XXXX, Ref # XXXX, but soon declined request stating they did not owe me the {$210.00}. 
On XX/XX/XXXX, XXXX told me I was suppose to get a call from supervisor, but as of today, no phone call was made. 
ERC has identified illegal charge to account and has escalated investigation Ref # XXXX, on XX/XX/XXXX. 
XXXX XXXX XXXX illegally opened an already settled account # XXXX from XX/XX/XXXX and charged me for a service that I did not use. 
Please review the math below to verify : XX/XX/XXXX Original Balance of debt {$610.00} XX/XX/XXXX Settled for less than full balance {$390.00}, paid in full from XXXX checking account. 
**Remaining {$210.00} written off as agreed to make account # XXXX at XXXX balance and in good standing. ** XX/XX/XXXX Account # XXXXRef # XXXX was reopened sent back to collections for {$210.00} and mistakenly paid in error by me.
Complaint sub-issue: Information belongs to someone else

I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

Re : Account Number : XXXX EQUIFAX REFUSAL TO BLOCK FALSE CREDIT REPORTING INFORMATION FROM CREDIT REPORT AFTER IDENTITY THEFT XXXX SENT TO THEM XX/XX/XXXX AND XX/XX/XXXX To Management : I filed an Identity Theft XXXX ( complete with Police Report ) and sent a copy to the Equifax onXX/XX/XXXX. I also sent a follow up on XX/XX/XXXX requesting they block the following information, the subject of the Identity Theft XXXX : XXXX XXXX XXXX ( allegedly ) Date Assigned : XX/XX/XXXX ( allegedly ) Account Number : XXXX ( allegedly ) Creditor Name : XXXX XXXX XXXX XXXX ( allegedly ) All of the required documents were included in the Block request which was sent to Equifax, including A copy of the page from my Equifax credit report, Confirmation # XXXX, with the fraudulent items circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. <P/>I also informed them that it is illegal for them to continue to report the information when an Identity Theft XXXX ( and filed with a law enforcement officer ) has been provided along with a request to block the information. <P/>Since the consumer did not have a contractual, commercial relationship with the XXXX system and Equifax, Equifax can not accurately transmit information about the consumer ( XXXX XXXX ) concerning this alleged account belonging to her allegedly. Any inaccurate reporting is a violation of the consumers Privacy rights. The XXXX  Terms and Conditions state that the information reported must be accurately and completely reported. <P/>Equifax has no way of proving that the consumer ( XXXX XXXX ) was ever extended any credit creating a debt ( as defined in 15 USC 1692a 803. Definitions ) by XXXX XXXX XXXX, and therefore is violating the law when they report inacurate and incomplete information via the XXXX system, especially by refusing the block the inaccurate and false information when an Identity Theft XXXX and subsequent Block request were provided to them in full. <P/>Be advised that this complaint ( and Identity Theft XXXX filed ) is specifically related to Account Number : XXXX NOTE : CFPB is only authorized to utilize my credit report ONLY for the purposes of investigating this complaint, and for the above referenced alleged account only. This consent expires 60 days from the date this Complaint is submitted. <P/>I REQUIRE A COPY OF THE CREDIT REPORT OBTAINED BY CFPB FROM EQUIFAX TO BE SENT TO ME AT THE FOLLOWING EMAIL ADDRESS : XXXX With Reservation of Rights, Without Recourse : XXXX XXXX
Complaint sub-issue: Account information incorrect

I paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX  equafax XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info
Complaint sub-issue: Public record

The account was paid .... however prior to paying I agreed to pay balance in full provided negative information be removed. Information is still showing on my credit report. The information listed on my credit report is too vague/ not adequate information to be reported as well. 

Tax Lien -- -- {$690.00} Public Record Details Reference Number XXXX Date Filed XXXX XXXX, 2011 Date -- Status -- Amount {$690.00} Classification -- Type State
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Debt is not mine

XXXX is charging me for services rendered for XX/XX/2014, however, as my lease shows ( attached ) I did not even move into the house until XX/XX/2014, further more, I was in XXXX until XX/XX/XXXX, and my service was not activated here in XXXX until appx XX/XX/2014. 

The account has been turned over to Enhanced Recovery Company, and after numerous attempts, I am getting no where with having this information removed from my credit report. I do not owe this debt.
Complaint sub-issue: Account information incorrect

Equifax Credit reporting bureau without my verbal or written consent continuously report information that is inaccurate and that I've requested to be removed, the item that was requested are spam inquires, unverified collections and closed accounts. I've research the violations being performed against me under the { FCRA } Fair Credit reporting act : 1. U.S. Code 1681n - Civil liability for willful noncompliance 2. Section 623 ( a ) ( 3 ) 3. Section 609
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX is reporting a debt that is not mine. I contacted them today they could not give me any information regarding the loan. I never had a loan with this company. We are trying to close on our house XX/XX/15, hindering my ability to close. Loan number XXXX. I called XXXX
Complaint sub-issue: Problem getting your free annual credit report

Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting a update copy of my annual free credit report from XXXX XXXX and order sites. The information on XXXX XXXX shows Equifax has block forwardong a updated report since XX/XX/2017. I have contacted Equifax several times to tried to resolved this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.
Complaint sub-issue: Account information incorrect

I disputed the amount claimed for terminated cell phone service with XXXX and its collection agency. I then filed a complaint on this site. The collection agency, XXXX then sent an email stating that it was no longer handling the account. I was told to contact XXXX directly. XXXX then forwarded me to I.C.Systems. I.C. Systems advised me via telephone that it has opened up an investigation with XXXX. The dispute is never investigated and addressed. The account just gets transferred and the cycle and damage to my credit continues.
Complaint sub-issue: Problem using a debit or ATM card

There was a fraud on my Citibank Checking account. This caused massive overdrawn and returned payments. Citibank is supposed to assign a provisional credit yet keeps giving me stories about processing this or the length of time it's going to take. Their reps do not let me speak to a supervisor. It has been 10 days and they still have not even started an investigation. This is a serious amount of money {$3000.00}. Citibank continues to give me excuses. This is serious fraud and needs to be addressed. They are constantly charging me fees while they haven't done anything about the fraud.
Complaint sub-issue: Problem with fees charged

XX/XX/XXXX Vehicle was repossessed sale or intent of notification to sell was not issued Loan balance is {$13000.00} Car value at the time of repossession {$12000.00} remaining balance would have left a {$1500.00} balance give or take fees Spoke to the company about my debt around XX/XX/XXXX to arrange a payment schedule on the remaining balance however their 3rd party debt service vendor was not very helpful and tried to say that restrictions set in place by the loan provider does not allow for a low settlement payment the payment offered was {$8000.00} for a settlement to be paid in {$2000.00} a month payments for 3 months this is highly unacceptable and also the refusal to update information on my credit reports if I did start to pay the balance is unacceptable and is a Vicious debt collection practice
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Clarity services 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: Was not notified of investigation status or results

Information sent in to credit bureau on XX/XX/2021. The bureau has yet to respond or take action in removing the items from my report.
Complaint sub-issue: Account status incorrect

To whom it may concern, I am writing to request information about the account XXXX XXXX BANK on my credit reports EQUIFAX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX XXXX XXXX )
Complaint sub-issue: Information belongs to someone else

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below.
Complaint sub-issue: Account information incorrect

The last four of my social security number is XXXX. Please investigate the following information. XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. XXXX  # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX you have listed on my report and they also conveyes to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting. 

Thank you.
Complaint sub-issue: Reporting company used your report improperly

Account : XXXX  Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX These reports are inaccurate and and my right to my privacy has been violated. 

In accordance with the Fair Credit Reporting act XXXX  Account # # XXXX, XXXX, and 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: Don't agree with the fees charged

On XX/XX/2018, I received an email from XXXX XXXX borrower ( who has been servicing my student loan for years ) that my loan had been transferred to XXXX XXXX. On XX/XX/XXXX I logged into XXXX XXXX for the first time to find that my XXXX Grant was converted to a loan. I also saw that XXXX account was past due and made a payment of XXXX but couldn't understand why it was so far past due. They called me to say that my loan was past due 80 days but I made a payment on XX/XX/XXXX to XXXX XXXX in the amount of XXXX. I then asked to speak with a representative from XXXX Grant department. I was told that they sent me an email to notify me that I should check my message box. I never received any email telling me to do that. They claim that they were sending it to my current email but I think if they really sent it and I never saw it they could have been sending it to my University address which I no longer have access. When the person on the phone checked to see what email address they had been sending it to, she said they would have sent it to the email on file but she never said that they actually sent it to my personal email. When I got anything to check my messages, I checked the messages of my XXXX XXXX who was servicing my loan at the time. But again, I never received any such emails form XXXX. I was then told that I was sent ONE mail notification and no phone calls. I never received that one piece of mail and they have not proof that I did receive it other than they sent it but that doesn't mean the mail was placed in my mailbox. I was told that the only way that they could reverse changing my loan back into a grant was if there was an error. There was an error and I can't see why they can't reverse it. In addition, I am still a XXXX XXXX and am now serving as an XXXX which is equivalent to a XXXX XXXX. This grant was proposed as an option to entice people to work in XXXX XXXX XXXX in XXXX XXXX. Now, I have to pay an additional XXXX a month for a problem with paperwork when I am fulfilling my requirements as a public servant. In addition, your website says " If you do not complete your XXXX service agreement, the amounts of the XXXX Grants you received will be converted to a Direct Unsubsidized Loan that you must repay with interest charges from the date of each XXXX   Grant disbursement. '' I am completing my XXXX service agreement. It does not say if you do not receive or complete the certification process annually by a certain date you will have to repay with interest.
Complaint sub-issue: Information belongs to someone else

In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX