Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Since you have assumed the role of reporting this information to my consumer report without my consent, by law you are required to report accurate information to my consumer report, with regard to my confidentiality as a consumer.

Please provide in detail the procedures that were used in order to validate NOT verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, it is not only detrimental to me as a consumer, but an invasion of my privacy. The reporting of
these alleged accounts are a defamation of character, and bears negatively on my reputation and mode of living as a consumer. It is unlaw to report any alleged information to my consumer report, as information that have not been validated is identity theft and an act of constructive fraud. So these accounts must be removed immediately. Under the FCRA, and the Gramm-Leach-Blilely Act I have the right to opt out of any reporting of information to my credit report. As written by congress the failure to comply with the removal of these alleged accounts makes you liable under section 1692k of title 15 and 1681n of title 15. So as a consumer I am demanding that the following accounts be removed within 4
business days after the receipt of this complaint. As by law notice is taken place at the receipt of of this complaint. As a consumer I also do not consent to any of these accounts being put into dispute for any reason, as the violations said in this complaint are clear. If you fail to comply I will go to my Attorney General for further action.

Please also do not try to contest this complaint by saying this was sent by a 3rd party or by someone else. You tried that when I initially communicated with you directly and this is why I moved to file a complaint with the CFPB. I am consumer who knows her rights, and did not give any consent to these alleged accounts to be included in my consumer report, and I am opting out of the reporting of these alleged accounts. 

The following accounts need to be removed : XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX I also attached a identity theft report because your company has stolen my identity, and I did not give your company any consent to include any of these alleged accounts above to my consumer report. NO CONSENT IS IDENTITY THEFT.
Complaint sub-issue: Account status

XXXX is reporting to Equifax and XXXX as current 120 and 180 days delq for an account that was charged off in XXXX for both of us- XXXX . XXXX XXXX has already removed the derogatory item all together. XXXX is dropping our credit scores by XXXX points based on these consistent lates for years. We demand they fix their reporting right away. We have complete 4 rounds of dispute letters to both Equifax and XXXX and have attempted several CFPB complaints and to date we still have not received any assistance or resolution. We demand CFPB steps in and gets this fixed right away.
Complaint sub-issue: Information belongs to someone else

I've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since USPS tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I sent your company a certified letter, disputing two ( 2 ) credit inquires on my credit report. 

1. XXXX 2. XXXX XXXX This is a breach of Fair Credit Reporting Act, Section 1681B ( C ). I remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Complaint sub-issue: Problem with fees charged

Yes I called ally bank about getting exstention on car loan. They approved me no problem. I'm on XXXX ssdi going thru hardship due too bills and health issues. So the guy told me I need too upfront before XXXX XXXX. I just for XXXX sent in XXXX regular car payment. He told me the XXXX what they charge for exstention. I told the guy this is nuts. For people struggling they should not do a charge like that. That's lol more than my car payment. And he said it's extension for 2months??? How's that. If I pay XXXX for XXXX. He said my due payment is XX/XX/XXXX??? Makes no sense that's not 2months exstention. Should be next payment XX/XX/XXXX. Not XX/XX/XXXX. In future will go different finance place. I also told him too gave finance get back too me. See if can put money back of contract
Complaint sub-issue: Need information about your loan balance or loan terms

On X/XX/2017 I contacted my Federal Student Loan service provider, NELNET. I was attempting to obtain an amortization schedule. An amortization schedule is not available via their website and my Mortgage lender was requesting one. No one at NELNET was able to provide one. I spoke with XXXX XXXX at one of the east coast service center and she stated that she would not provide one even though they had them for their internal records. They advise that since they change my payment at anytime with a 30 day warning that the amortization schedule was not allowed to be released to me. As borrower I should be able to have this documentation for my records yet they refused to provide anything that could not be printed off their website.
Complaint sub-issue: Account information incorrect

I recently received my CitiBank response from an Executive Response agent who unknowingly proved CitiBank ( Sears ) company has been inaccurately reporting my payment history to all three Credit Bureaus. I will start out by indicating the companies response was detailed, professional but did not resolve the issue. I recently received my response, from the Executive response agent ( not named ). The agent clearly states my payment was not received by the due date on XX/XX/2016 ( specifically XX/XX/XXXX per the attached Bill ). In the next sentence she then immediately acknowledges a payment in full was received by Citibank from me on XX/XX/XXXX. Clearly, if a payment was received 17 days past the due date ( by Citibanks own  admission in their response ), by definition this cant be considered a 30 day late payment. Yet, for the last 2 years Citibank has been reporting that I was 30 days late in XX/XX/2016 to all 3 credit bureaus. This is clearly a mistake by Citibank, reporting a 30 day late payment for XX/XX/2016 when I was only 17 days late by there own admission. The executive went on to indicated that " The account information and payment history in your credit profile are correct and will not be changed '' ( see attached doc w/ highlighted response ). The payment history, in fact is NOT being reported correctly. I request Citbank make things right by not only removing the 30 day late notice for XX/XX/2016 but also making no further adjustments to my account or payment history. Once again by Citibank 's own records and response, I wasNOT 30 days late in XX/XX/2016 and therefore they are indeed reporting inaccurate information. All three credit bureaus show a 30 day late payment for XX/XX/2016. Citibank/Sears is in clear violation and have failed to prove that I was 30 days late in XX/XX/2016 and must update their reporting to the Credit Bureau 's. 
This is my second complaint. I am highly disappointed in how Citibank/Sears has handled this situation and their unwillingness to make the situation right even for a consumer that has multiple Citbank cards. As a result Citbank and Sears will likely loose me as a customer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account, 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: Personal information incorrect

I check my credit report on an annual basis for accuracy. I have been divorced and provided information for my legal name change. My report ( after numer efforts appears to have been updated ) BUT a mailing is still being addressed in the WRONG NAME contaiing my pesonal information to the wrong addressee! I received two mailings from two different Equifax XXXX XXXX XXXX. A mailing dated XX/XX/2022 from XXXX XXXX XXXX, XXXX XXXX XXXXXXXX is being sent to the wrong addressee. I am not concerned with the address as I am in the process of moving BUT the last name continues to be showing up and is no longer my legal last name. My legal last name is XXXX, NOT XXXX. I am attaching a .pdf of the mailing addressed to XXXX from XXXX XXXX XXXX. Their seems to be a disconnect in Equifax system being synced. I am providing a 2nd mailing from Equifax from XXXX XXXX XXXX which was sent to the correct last name to the address I am moving from. WHAT IS GOING ON!! My credit information, file, dispute responses or anything should NOT be addressed to XXXX XXXX as that is NOT my legal last name but the system is still INCORRECT. I have attempted to contact, notify and have this corrected directly with Equifax numerous occasions over the past XXXX XXXX years!!
Complaint sub-issue: Personal information

XXXX XXXX has an address listed under my personal information that does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

Through XXXX, I have been alerted that my personal identifying information has been obtained through the recent Equifax hack XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I purchased a package from XXXX XXXX, for the following : XXXX XXXX ANYWHERE IN US : XXXX XXXX XXXX XXXX from and to anywhere in the US ( XXXX must fly within your chosen cities ). 
3 Nights of hotel at a XXXX in your chosen city. 
{$250.00} Gift certificate to XXXX XXXX in your chosen city. 

XXXX XXXX operates a non-profit organization, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, A NONPROFIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX | VIRGINIA | XXXX | XXXX I was communicating with a XXXX XXXXXXXX director of public relation and external affairs. XXXX per a phone conversation week of XX/XX/XXXX, stated this was all a fraud. 
I have sent over 10 emails trying to get a response, but no one never respond back. I did get a response a couple of months after the purchase. I made the purchase with my Macy 's American Express card. All emails within four months of purchase indicated I would receive the package. I never did receive the package.

I have submitted numerous emails requesting my package.

I have also contact Macy 's American Express but have been told the time frame of filing a dispute has expired. I feel Macy 's did not conduct a proper investigation as I uploaded all email communication with the organization. I have over 20 emails requesting the package. This organization took money from a lot of Veterans. A search on XXXX shows this organization took money from Veterans to have parties and expensive trips. 

Can you assist me in a refund? 

Below is the response I received from Macy 's. 

Dear XXXX XXXX, Why we're writing you Thank you for your inquiry regarding the charge made at XXXX on XX/XX/XXXX in the amount of {$350.00}. Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. 
We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. 
Some important information While we realize your account may be in good standing, Federal Regulations require us to remind you that we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX How to contact us If you have additional questions regarding your account, our Representatives are available to assist you. Please contact us online at XXXX  or at the phone number below. 
Please know we made a sincere effort to address your concern and reach a resolution. 

Sincerely, Customer Service Phone : XXXX I am a retired XXXX Veteran living on a fix income. I was drafted after XXXX and received an injury. I begged and begged these people for my package or a refund. I still have all communicating emails.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes with antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person SHALL NOT furnish ANY information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Debt is not yours

No knowledge of acct. never received notice and need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE
Complaint sub-issue: Problem with fees

I have had issues with First Progress sending me statements. This issue dates back at least 18 months. This has caused two issues ( described below ). 
1. They have reported missed payments against my credit score in the past. I reached a supposed resolution with a customer service agent in their company who told me to fill out a form that i think is called the Goodwill Letter and mail it in to the credit card company. I was told that with my other good payments that they would go back to the few missed payments and erase that off of credit file, thus removing the negative remark on my credit. I mailed these papers to them 4-5 months ago and they still have not reached out to me OR removed the negative remarks on my credit. 
2. I was recently ( last 30 days ) given another negative remark on my credit for missing a payment. I have not been using the card to purchase anything so i knew i wouldn't have a balance to pay. I was doing this because i am still NOT receiving bills from them letting me know what my balance is. I can only speculate that the amount due is an admin charge ( i am speculating because i can not get in touch of them, see below ). I would love to be informed on what i owe, but they aren't sending me my bills and they aren't ' answering their phones and now they are damaging my credit that I have been repairing for the last two years. 
3. They aren't answering my calls. I have called First Progress once a day every Monday, Tuesday, Wednesday, Thursday, and Friday since XX/XX/XXXX at different times each day. Each time i call i am greeted with a recording that tells me that their call volume is high right now due to COVID they have less employees available. Unfortunately, the option to stay on hold and wait is not available as the automated system hangs up on me automatically after delivering the automated message. I understand COVID is a concern right now, at the same time i can't get ahold of anyone to help me resolve my issues or even shed any light on them. 

I want all of my negative remarks from this company on all three of my bureaus removed immediately. I want to pay them what i owe them so long as these are justified charges. After all of this i want to cancel my card with this company. I can no longer trust them to treat me correctly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  inputted a credit inquiry on my credit report without my authorization.
Complaint sub-issue: Old information reappears or never goes away

The car reposession was removed off my credit and now placed back.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Public record information inaccurate

I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from my credit report.
Complaint sub-issue: Account status incorrect

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

15 usc 1681 section 602 states I have the right to privacy. 

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 usc 1666b : 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: Their investigation did not fix an error on your report

I have a vehicle loan. And the loan company keeps reporting an increase in my loan balance causing my credit score to be affected. I tried calling and talking directly to the loan company but they deny any wrong doing. I reported it through the credit bureau and through here. The loan company reports that my balance has increased when in fact it has not. Its a simple interest loan. When the payment is received the daily interest is deducted from the payment based on the amount of days since the last payment was received. What this company does is reports the payment received and the principal balance to the credit bureau. Then a few days or weeks later it reports a balance increase by adding the simple interest to the principal balance. This causes my history to reflect negatively against me. And my credit score drops. In fact the amounts they report to the credit bureau are incorrect. They are aware that by doing this it is ruining my credit score and yet the continue to do so. How is it fair if you pay down a loan only for the loan company turn around and report the simple interest as an increase. They know its hurting my score yet they continue this practice
Complaint sub-issue: Their investigation did not fix an error on your report

This account was paid off and closed in XX/XX/XXXX. In XXXX of XXXX, for some reason, a XXXX $ balance was reported delinquent, giving my credit a big ugly dent. 

I spoke with XXXX, who agreed to provide a goodwill adjustment letter. 

Then, I contacted XXXX, Equifax, and XXXX  and submitted disputes asking them to update and correct the negative information. 

So far, only XXXX  has actually been able to fix it, which they did with no hassle ( See attached documents ). They contacted XXXX  and confirmed the account was paid off, closed, and never late. 

Equifax did respond to my dispute with what seemed like a summary of the correct the information. And on my XXXX XXXX report, the late payment was gone. But then, the next month, it was right back on there. 

Please fix it - permanently this time! Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, misleading information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Report : XXXX  Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

I am trying to refinance my mortgage, and have learned that my personal information has been compromised by the Equifax hack. This hack has jeopardized my chances of having my refinance approved and hurt my chances of getting rate I deserve.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed and verified, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX. I've never had an account with this company. The balance that is reporting on my credit report is not the correct balance that I have with the original creditor. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. I have attached a screenshot of my credit report where it was updated stating that it was verified yet no sufficient documentation has been sent to me. It has been well over 60 days. Please remove this from my credit report.