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

In accordance with the fair credit reporting act XXXX account XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish a account without my my written instructions.
Complaint sub-issue: Frequent or repeated calls

I, MR XXXX. OWNER OF THE PHONE # XXXX, HAVE BEEN RECEIVING NUMEROUS CALLS FROM, ERC COLLECTION AGENCY [ XXXX ], REF # XXXX XXXX THEY'R CALLS TO MY PHONE # ARE ASKING FOR A ..MR XXXX XXXX XXXX, NOT KNOWN NOT AT THIS PHONE # I, HAVE REGERSTERED A COMPLANT WITH F.T.C. ON X/X/18, REF # XXXX AND ALSO CONTACTED THIS ERC AGECY, TALKED TO A MANAGER PLEADING TO STOP HARRASSING US ON THE ABOVE DATE. 
TODAYX/XX/2018 AT XXXX XXXX, I RECEIVED ANOTHER CALL WITH THE SAME THREAT/NOTICE OF COLLECTION, FROM THE SAME ERC/PHONE # AND REF # AS LISTED ABOVE. 
I BEG FOR YOUR INTERVENTION TO THIS HARRASSING CONDITION XXXX XXXX X/X/2018
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request XXXX  to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. I have never opened any of these. 

XXXX has already ceased all reporting of these fraudulent accounts, I am asking XXXX follow federal law and do the same.
Complaint sub-issue: Sued w/o proper notification of suit

Ended up getting courts papers one day
Complaint sub-issue: Their investigation did not fix an error on your report

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Didn't receive enough information to verify debt

Discover has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

My car loan was with PNC Bank. The car was purchased before I was married and therefore both the title and loan were in my maiden name. I called them on XX/XX/2020 to express my intention to pay off the loan and to see if I could have the title mailed to my married name or otherwise arrange to pick it up, as I knew the mail addressed to my maiden name would not make it to me. I explained I understand that I need to correct the name on the actual title, but that I needed the mail envelope itself to have my married name. The representative I spoke with said that they could not mail it to my married name but that 1 ) they would mail me the form I need to fill out to legally change my name with them in the event that 2 ) the title bounced back to them. In other words - worst case scenario is the title is returned to sender and they would be able to mail it back addressed to my correct name. I paid the loan in full on XX/XX/XXXX. As expected, neither the title or change of name form made it to me. 

After several calls to PNC in an attempt to address the issue, I was escalated to someone in PNC escalations ( name and phone number available upon request ). I was told that my only option is to pay the 3rd party company XXXX a {$23.00} lost title fee to get a letter of debt satisfaction in the mail. Then I would have to go down to my state office and pay {$50.00} for a duplicate title as mine is " lost. '' They are attempting to pass these costs onto the consumer, including the {$23.00} fee to their third party vendor, due to something I called in advance to try to stop from happening. It seems negligent at best and like a complete scam at worst. Its an absolute joke - especially considering that we as consumers are unable to control which creditor our loan is sold to. I spent over a month dealing with this issue and did not receive a satisfactory resolution. Thank you.
Complaint sub-issue: Reporting company used your report improperly

I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( PAANL ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE PAYMENTS.
Complaint sub-issue: Reinserted previously deleted info

Please see attached for additional documents re : previously deleted and reinserted judgment on my credit file. The item was previously disputed, investigated and deleted. Equifax chose to reinsert the judgement at their discretion and subsequently ruining my credit score. I sent a document on a letterhead from the creditor asking that this judgment not be reported as the left the judgment in efforts to pursue other party on account and not me. I have verbalized this to every employee that has answered the phone in consumer division at Equifax in XXXX. I have sent faxes and disputed relentlessly to get this judgment off my credit. They have now blocked me from monitoring my credit to determine if other errors exist and identity protection. Additionally, they have reinserted late payments that were removed by the credit grantor ( XXXX XXXX XXXX ) last year. The credit grantor is not reporting late payments on my lease that started on XX/XX/XXXX. There is no issue with XX/XX/XXXX lease and it is not being disputed. I want to be clear about which lease as Equifax has deleted other accounts with pristine credit history and subsequently lowered my car buying FICO by almost XXXX points. I have financed and paid off XXXX other vehicles in the past 7 years. I only have XXXX paid car reporting with this CRA as Equifax at their discretion deleted the other XXXX paid in full accounts. They have further gone and deleted years of pristine credit card payment history in the last 30 days as retaliation to complaints filed Maryland OAG, XXXX, and other regulatory bodies of the government.
Complaint sub-issue: Transaction was not authorized

I received an email on XX/XX/21 stating possible fraudulent activity on my Visa debit card. 
I called the # provided and was told that World Remit had taken on XXXX taken {$240.00} & {$160.00} from my account on XX/XX/21. I checked my account and found another {$19.00} was taken on XX/XX/21. I went to my bank ( XXXX ) that morning and changed my ATM card #. I was then told to call customer service to get my money back. I called this morning and was told that this would take up to 10 days if it was found to be fraudulent. 
The fact that I received the fraud activity email immediately, why was the withdrawal allowed? Why isn't there a verification required as with XXXX? 
I've noticed that other states have World Remit listed for complaints
Complaint sub-issue: Used obscene, profane, or other abusive language

The company, XXXX XXXX, was calling me multiple times a day, never leaving a message or information on how to call back. 

I blocked their phone number multiple times as I was not aware of what the call was about, only to be called back from different numbers, " Unknown '' numbers, and blocked numbers. 

I received a call on XX/XX/XXXX at XXXX from a gentleman at XXXX from XXXX. He did not verify any of my information, only my name, which there are obviously many people in the world with the same name. 

He advised of the balance of a former Lending Club loan and asked if I would like to take care of the debt today. I was unaware of the debt as I lost track of some of these debts in my time of being ill. I advised him that I would be interested in a settlement offer. He would not give me a dollar amount of the settlement offer, rather continued to ask me what I would pay. 

I offered {$2000.00} to settle the loan as that is all the money I have left from my Stimulus Check. The representative laughed and told me that was unreasonable and then went on telling me how this was a cash loan, when in fact it was not, and that my offer was not reasonable enough for him to do his job and submit the offer. He never asked what my situation was to fall behind ( In this case, XXXX XXXX XXXX XXXX XXXX  and extended hospitalization ), rather try his best to cut me down as a person. 

He continues to berate and belittle me and my financial situation. I asked why he was talking to me this way and he told me he can talk to me this was because he was a debt collector! 

As the conversation ensued, he continued to belittle and berate me and then told me I needed to " Man Up! '' and pay my debts.

As a former debt collector, the tone, demeanor, and absolute disrespect this man portrayed was mind blowing. As a manager of a debt collection agency for over 5 years, this was the worst display of  professionalism I have ever witnessed.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago to this bureau Equifax and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.
Complaint sub-issue: Information belongs to someone else

There are 8 accounts on my credit report that do not belong to me in any way I have not approved signed or used these accounts on these off my credit report since they do not belong to me I have gone thru the bureaus and the furnishers and thye are not acknowleding me at all what can I do. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX  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 without my written instructions.
Complaint sub-issue: Account status

I am a current subscriber with XXXX and have been for close to three years. In XXXX a collections account appeared on my report that was originated by XXXX XXXX ( XXXX ). I used the information from the to reach out to the creditor with the phone number listed in my file. After series of call attempts and transfers I was connected to the location that handles my account. After validation of debt I began to payoff the account. As of XX/XX/2016, this collection account was paid in full with a credit balance of {$1.00}. 
After payment was satisfied I had to dispute the account status to have it updated to show satisfied and closed with XXXX and XXXX as account was listed closed on Equifax. XXXX investigated and listed the account satisfied and closed. XXXX investigated and listed the account satisfied and closed. Then from my most recent XXXX report Equifax has the account listed as open with XXXX balance. I tried to submit a dispute along with getting a letter of satisfaction from the collections agency and when I called I was told that the account was being disputed and routed to another area that uses a voicemail to leave your response or inquiry. I tried to initiate a dispute with Equifax online only to receive an error that they were unable to verify me online and to contact by submitting a fax our mailing the office. This has become quite the Catch22 and does not support FCRA in many dimensions. 
I have worked diligently on my part as a consumer to be accountable for my past actions and information is not being updated as required by law from both the Collection Agency ( XXXX/XXXX XXXX ) as well as Equifax.
Complaint sub-issue: Reporting company used your report improperly

I submitted a complaint to the CFPB on XX/XX/XXXX. All three reporting agencies responded ; Equifax, XXXX and XXXX responded on XX/XX/XXXX, closed the complaint and did nothing. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of XXXX, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
Complaint sub-issue: Account status incorrect

XXXX refuses to remove incorrectly reported late payments from my account, despite the fact that the periods of late payment were placed in forbearance. I have tried to resolve this with them via phone on several occasions with no success. I then disputed the reporting with XXXX  & XXXX. 
XXXX removed the late payments in XX/XX/XXXX, and XXXX subsequently added them back on/around XX/XX/XXXX. This violates the following section of the FCRA : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

XXXX has yet to report back on my dispute, however, I would like these erroneous late payments to be removed so that I may move on. I have attached documentation from XXXX stating that the accounts were placed in forbearance during the reported late period.
Complaint sub-issue: Information belongs to someone else

I did not open this account. I can only assume my ex husband opened this under my name when we were legally separated, or perhaps one of his friends did, but I DID NOT. i have told this to every agency or collector that calls me about it. This is NOT MY ACCOUNT! I never had that phone number, I had no knowledge of it being opened in the first place, and can not be responsible for something I didn't do, give permission for even have awareness of!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX. XXXX XXXX and XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXX Equifax Mortgage Services XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Complaint sub-issue: Personal information

There is a name other than mine on my credit report.. " XXXX XXXX XXXX '' and the XXXX address is not mine
Complaint sub-issue: Billing dispute for services

Ally is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also Ally is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity theft.
Complaint sub-issue: Was not notified of investigation status or results

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of XXXX XXXX XXXX XXXX XXXX. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Complaint sub-issue: Reporting company used your report improperly

I know that Under 15 U.S. Code 168li ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ). promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Didn't receive enough information to verify debt

According to the National Consumer Assistance Plan,  credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the NCAP because it corroborates the policy set in place that I am talking about. Thank you!
Complaint sub-issue: Reporting company used your report improperly

Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction in my dispute letter.
Complaint sub-issue: Account status incorrect

Both my wife and I are on the Equifax " MyEquifax '' accounts. I was bumped off of the paid " Equifax '' account and when asked about it was told that the " Equifax '' accounts are no longer available to the public, they are now being used by businesses. But when going to Equifax.com we can see that there is still consumer access to the regular " Equifax '' account. And we also see that there is a " Family Equifax '' account that's fee based. We've been restricted from choosen the Regular and family Equifax accounts. And also find it very strange when talking to an Equifax agent where the story is usually very different from one to the other. But for sure this has been a problem for months now, much like us being able to go to " XXXX '' and download a credit report. It has been well over a year that I have not been able to download a free credit report that The FTC said should not be the case. 

Also, on our MyEquifax account, the Report reads as such : AS OF : XX/XX/2021 but the reported data is dated as : XX/XX/2021 - which means we only have access to outdated material. Or the account is not being updated to reflect what is being shown in our present reporting ... which has been something that we've not been privileged to for the longest. I'm told to open a separate report on not being able to download a free report from XXXX XXXX XXXX