Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In regards to account XXXX XXXX XXXXXXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

Contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Complaint sub-issue: Their investigation did not fix an error on your report

Receivable recovery XX/XX/2021 VIOLATION of 15 U.S. Code 1692c ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

VIOLATION of Code 1692g VIOLATION of 15 U.S. Code 1681b
Complaint sub-issue: Overcharged for something you did purchase with the card

Card issuer not crediting funds provided by the merchant. 

Credit issued by XXXX XXXX for {$14.00}. 

It was never placed on customer card.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX  Account no. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, and XXXX quick recover 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

XXXX/Mohela  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint.I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several times disputes about some accounts in my credit reports that are not eliminated and I have not been sent any evidence of validation and confirmation. 
XX/XX/22 XXXX, XXXX XXXX and Equifax. 
XX/XX/2XXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act, XXXX, XXXX XXXX, Equifax have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX ( XXXX ) acct # XXXX ... ending in XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 USC 1681 section 604 a ( 2 ) a consumer reporting agency can not furnish information without my written instruction 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

15 U.S. Code 1681l consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) reporting confidential/private information has caused adverse actions in my livelihood, causing me to be oppressed note balance and high balance are incorrect causing harm to my score
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on DISCOVER BNK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Problem using a debit or ATM card

The afore-screen did not have my option, so I chose what may be similar to my issue : " Problem Using debit or ATM card etc ... '' On XX/XX/2020 I received a text from Key bank stating my balance, I immediately called Key bank and stated " The amount is incorrect '' I searched for my wallet and noticed that is was not in my car. I informed the Key bank representative that " My wallet has been stolen out of my car and the charges are fraudulent '' Moving forward I told them to '' cancel my cards ''. Also I asked " Can I put a pass code on my account '' in which I did. On XX/XX/2020 I called Key bank to set up my cards into " XXXX '' I called XXXX, the representative asked for identifying information, name, last 4 social and birth month and year. The representative stated " Will you please hold while I access your account? '' I stated " How can you access my account and verify me and you have not asked me for my postcode, the person who stole my identity can give you the same information that I have given you, this is why I added an extra security to my account by adding a pass-code that they would not know? '' Then and only then did the Key bank representative ask me for my pass-code. I gave the Key bank representative my pass code, she then states " I must call the Key bank branch to verify your pass code '' I stated " I did not set my pass code up at a Key bank branch I called XXXX 's customer service department '' She states " Please hold I must contact the branch '' In which she kept putting me on hold, because a branch never responded. Moving forward she connected me to someone else. The individual stated " She is not sure why the Key bank representative did not ask me for my pass code, she is not sure if the system had prompted for my pass code, but upon her further looking into my account she noticed and stated I see first the red banner, it is the first thing that pops up alerting identity theft on your account '' The representative is not sure why she did not ask me for my pass code. I stated to representative, I am upset I have taken all safe guards necessary protect my account and this is unacceptable. The person that has my Driver 's license, social security card and birth certificate can call Key bank and give a Key bank representative my information and key bank will give the thief access to my account, this is unacceptable my identity has been stolen and my account has been compromised. My pass code should have been asked of me. I feel violated and feel that my account is not fully protected as it could be. If only the representatives across all departments ask me for my pass code will give me some relief and security.
Complaint sub-issue: Information belongs to someone else

XXXX credit reporting agency have not XXXX XXXX with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOANCARE SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I called U.S Dept Of Education on XX/XX/XXXX due to seeing a conflicting report on my Credit from XXXX. I was advised that The 12 Loans were added together to make the total of {$27000.00}. dating back from XXXX to XXXX. These are not individual accounts. This loan is currently under the COVID Forbearance made by the U.S. Government and by The U.S. President. Per Great Lakes who is managing my Student loans. My account is in good standings. There was never any late payments on the account.
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting Act XXXX XXXX Equifax has violated my Federally protected Consumer rights In accordance with the fair credit reporting act Has violated my federally protected Consumer rights to privacy And Confidentiality Under 15 USC 1681 According to The 15 U.S.C 1681 section 602 A states I Have a right to privacy These addresses do not belong on my Credit report
Complaint sub-issue: Didn't receive enough information to verify debt

I am trying to understand what is going on what the payments to this account. My account is set up for auto-debit. The amount to be debited was supposed to have been calculated by XXXX to include the accumulated interest between payments. I am reviewing the payments made relative to the accumulated interest, particularly for XX/XX/2017, and see that the interest amount kept accumulating despite the monthly payment amounts exceeding the monthly interest accumulation. I don't understand how this is possible, especially since I am now learning that this loan is re-amortized on a quarterly basis. My loan statements indicate the monthly payment was being entirely applied to interest, and yet the interest kept going up, in some cases by hundreds of dollars in-between months. 

I have previously asked for the terms of my loan agreement, specifically that part that addresses interest rate calculation, amortization, and other pertinent terms to the calculation and pay-off of my loan. My monthly loan payment was changing, and I did not understand why this way occurring. I even went through the CFPB in an attempt to obtain the relevant documents. CFPB closed out my case after XXXX responded, and did not provide me an opportunity to indicate whether the information provided addressed the issue. XXXX responded that the monthly payment changed due to changes in my interest rate. However, to date, I have only received a two-page promissory note, but nothing with the loan interest rate or calculation formula. I have requested this information so that I can review it. I do not have a problem with paying an owned debt ; however, I would like to know how the debt is determined so that I can make informed decisions as a consumer on how best to resolve the debt. This issue is only occurring on my XXXX student loan serviced by XXXX. Each time, both entities keep telling me I need to go through the other party for the requested information, resulting in me not being able to obtain the information from either. Attached is all of the information I have received from either party relating to the terms of my loan. The document DOES NOT address the loan terms, but simply defines ( incompletely as terms are clearly missing ) them.
Complaint sub-issue: Information belongs to someone else

Fraudulent inquiries, delete these inquiries they fraudulent and I do not recognize these inquiries. 

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 I also have fraudulent accounts I want to dispute off my credit report, please dispute these accounts and do not add a fraud alert on my credit report. 


These credit cards are fraud, I want to dispute these as fraud XXXX    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I disputed this, I have no knowledge of this account. I requested supporting documents, however I only received company charges. No contract or agreement, nothing signed, no handwritten information at all.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, i have never applied for these. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, has violated my right. 

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. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account # XXXX
Complaint sub-issue: Can't close your account

Approximately 10 months ago I contacted customer service numerous times over the course of a week. After unsuccessful attempts at an answer as to how to update my address to get a new debit card I was told what they had on the website was inaccurate. I then asked how to go about closing my loan with them because I could not access the checking or savings or even the investment account. They told me to send other documentation in order to do so. Ive been charged hundreds of dollars for their lack of response to close an account and are impossible to reach.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I found out on Thursday, XX/XX/2021 that a debt collection agency that goes by the name, NTL Recovery Agency and also goes by the name, National Recovery, reported a false collection account on my credit report. This false report was reported on all the three major credit reporting agencies, XXXX, XXXX XXXX, and XXXX. 

According to NTL Recovery Agency ( also called National Recovery ) XXXX XXXX XXXX  referred a delinquent account supposedly in my name and with a past due amount of {$440.00}. NTL Recovery Agency falsely reported this as I do not have and have never had an account with XXXX XXXX XXXX. I have called XXXX XXXX XXXX  about this and the XXXX XXXX representative I spoke with said XXXX XXXX XXXX did not refer an account in my name to any collection agency, the representative confirmed that XXXX XXXX XXXX does not have an account in my name. 

I called the phone number listed for the debt collection agency, an automated female voice picked up the call and asked for my Social Security number in order to assist me. I of course did not provide my Social Security number. 

Please see the contact information listed on my credit reports for the debt collection agency below : NTL Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And National Recovery XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Complaint sub-issue: Investigation took more than 30 days

My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor is the addresses or names listed not me.
Complaint sub-issue: Debt was paid

I received service at the XXXX XXXX XXXX in XXXX, VA in XX/XX/2018. 
I was billed wrongly but after disputing the initial bill, XXXX XXXX XXXX adjusted the cost and sent a new bill. 
My insurance company paid their portion and I received my EOB ( Explanation of Benefits ) from my insurance Company that I owe XXXX XXXX XXXX {$510.00}. 
I sent a check to XXXX XXXX XXXX in the full amount of {$510.00}. 

I started getting calls from XXXX XXXX XXXX that I still owe an additional {$80.00}. 
I called my insurance company ( XXXX ) and they had me on the line and called XXXX XXXX XXXX to let them know how much I was to pay them. 
XXXX XXXX XXXX asked my insurance company to fax my EOB which they did. 
Few weeks later, XXXX XXXX XXXX called again to say I still owed them money. I disputed it and they asked me to fax them another copy of my EOB which I did. 
Months later, and subsequently afterwards, I kept getting calls from NPAS on behalf of XXXX XXXX XXXX saying that I owed them money. 

I have since faxed another copy of my EOB and mailed another to their P.O. Box but the calls woud n't stop. 

This is my complaint of harassment by the XXXX XXXX XXXX.
Complaint sub-issue: Account information incorrect

My loans were in forbearance until the month of XXXX. In XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX has not reported since XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize or consent to these hard inquiries on my consumer report. Nor did I give Equifax permission to make a report on my behalf. Please remove the following accounts thats in the letter.
Complaint sub-issue: Account information incorrect

Discover failed to inform me that my payments had been missed ( I had set up direct pay with them and automatic payment ). As a result, I was charged return payment fees, late fees, and interest on those fees, and finally my account was closed, at which point I was informed. 

Discover simply insisted I pay the amount I owed ( including late and returned payment fees from their error, plus interest ), and would not reinstate my account. Their incorrect reporting remains on my credit.
Complaint sub-issue: Didn't receive notice of right to dispute

This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt
Complaint sub-issue: Debt is not yours

Reached out to the Bureaus, Inc twice requesting debt validation they failed to send the original contract with my signature ... both times they did not answer my debt validation request.. Its been 30 days and i want all debts removed ... file XXXX
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX  paints me as a XXXX. my fico 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 n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have fourteen 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive 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 n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( 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 which i was not given.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

CITI CREDIT CARD COMPANY LOWERED MY CREDIT LIMIT BY {$500.00} STATING THAT I WAS LATE WITH " ANOTHER '' CREDIT CARD COMPANY. FIRST OF ALL, I HAVE NEVER BEEN LATE ON ANY OF MY OTHER CREDIT CARDS AND I HAVE QUITE A FEW OTHER CARDS WITH OTHER COMPANIES. SECONDLY, EVEN IF I DID HAVE A PROBLEM WITH ANOTHER CREDIT CARD COMPANY, WHAT DOES THAT HAVE TO DO WITH MY CITI CREDIT CARD? I HAVE NEVER BEEN LATE WITH MY CREDIT CARD PAYMENTS WITH CITI AS LONG AS I 'VE BEEN WITH THEM. ACTUALLY I ALWAYS PAY MY BILL WITH THEM EARLY. I BELIEVE THIS IS A DISCRIMINATORY ACT ON CITI 'S PART WITH LOWERING MY CREDIT LIMIT. BECAUSE CITI HAS LOWERED MY CREDIT LIMIT, MY CREDIT SCORE TOOK A 25 POINT DECREASE.