Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX OMEGA RMS Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious OMEGA RMS Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX, CT XXXX
Complaint sub-issue: Account information incorrect

I received a copy of my XX/XX/XXXX credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, TELETRACK add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX/XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Account status

A company has been reporting an closed account as open since XX/XX/2014 on my credit report ( equifax ).
Complaint sub-issue: Information belongs to someone else

I contacted Equifax several times regarding inquires on my credit report. Let me first start off by saying that I completely understand that inquires are a part of factual data and I am not disputing the fact that these inquiries were put on my credit report due to fraud or identity theft. However, I contacted each of the following companies XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX  asking if they would remove the inquiries from my credit report and they agreed. I then sent these letters to Equifax showing that the original creditor has agreed to remove the following inquiries from my credit file and I asked for Equifax to open a dispute to remove them. All 3 times I disputed these inquires Equifax responded that inquiries are a part of factual data They did remove the inquiries from my credit report nor did they open an investigation to dispute with the original creditor regarding the inquiries. This is why I am filing a complaint against Equifax. Equifax has failed to conduct a reasonable investigation regarding the matter which is in violations of the FCRA. I am requesting that Equifax remove the following inquiries from my credit report ; XXXX XXXX  XX/XX/18, XXXX XXXX XXXX  XX/XX/18, XXXX XXXX  XX/XX/18, XXXX XXXX  XX/XX/18 and XXXX XXXX  XX/XX/18.
Complaint sub-issue: Public record information inaccurate

Incorrect information on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX.
Complaint sub-issue: Public record information inaccurate

XXXXXXXX XXXX XXXXXXXX XXXX Georgia ... XXXX... I have previously disputed XXXXXXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2015 with the credit bureaus an their response you verified the item as accurate stating that the credit bureaus verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA and the information on my credit report must be deleted immediately
Complaint sub-issue: Reporting company used your report improperly

I dont owe this debt to XXXX XXXX XXXX I do not have a contract with progressive 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 item or information, other than records of convictions of crimes which antedates the report by more than seven years. In accordance with the Fair Credit Reporting act. Ive been violated. My federally protected consumer rights to privacy an confidentiality.

15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2016 & XX/XX/2016 there was at least 12 inquiries from a vehicle loan that I didnt authorize. I have followed up with XXXX and EQIFAX and even placed an identify fraud alert on my account. I also stated to them that my drivers license were duplicated at my local dmv. I had a fraud placed on my account at that time as well.Im only asking to remove the inquiries from my credit report in the month of XX/XX/XXXX and XX/XX/2016. With those inquiries on my credit report it is making it difficult to obtain credit. There is probably a total of 12 inquiries in those months. Please investigate and properly remove from credit report.
Complaint sub-issue: Received bad information about your loan

I recently contacted Sallie Mae and I was told my account is up to date, I do admit to being late because Sallie Mae will not work with me and has made me choose between medication and doctor 's appointments over their payments and has refused to work with me on trying to lower the payment. Well my account is still showing a past due amount on my credit report so I asked XXXX to request updated information from Sallie Mae and Sallie Mae told XXXX that my account still has a past due balance instead of showing that the account was paid up to date last month. Is this not illegal and considered libel if last month, the reported information should show the past due amount was paid yet purposefully refused to fix this when requested.
Complaint sub-issue: Other problem getting your report or credit score

My credit card is automatically debited each month for access to my credit score BUT when I try to access it they are indicating I dont pay for that service when in fact I DO. I want proper access OR a complete refund for payment of NON- service. I have checked online for the monthly amount to verify what they charge for this service. It is still the same. I have NEVER received ANY notification indicating I can no longer receive my score.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/2020, I received a call from a man who identified himself as a process server from XXXX XXXX XXXX in California ( phone number XXXX ) who informed me that a civil lawsuit has been filed against me in XXXX XXXX, Florida by Citicard Home Depot ( Case # XXXX ) and I will be served today. He recited my social number but did not identify himself. I contacted my credit card company Citibank Home Depot and was informed that my account has a XXXX balance and there is no evidence of any payments due or debt owed to this creditor on my current credit report. I contacted the police and made a police report ( City of XXXX XXXX Police Department # XXXX ) Shortly thereafter my husband received a voicemail message from the caller who indicated that my husband and I were being sued and that implied that they would contact our mortgage. It is important to note that my husband and I have never had a joint credit card with Citi card or Home Depot and, based on my review of XXXX Country Clerk of Court records, there is no evidence that a civil complaint is currently filed me against me and/or my husband by Citicard or any other creditor. I believe that may be an old debt which, if true, would have existed years before I met my husband. I was informed by the police that the police contacted the company and was informed that this is related to a debt collection effort. In a subsequent call, the debt collector called me a " loser '' and a " dead beat '' and made other disparaging comments about me to my spouse.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX # XXXX 15 USC 1681 section 602 A 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 an account without my written instructions. 

15 USC 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 item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Credit inquiries on your report that you don't recognize

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX
Complaint sub-issue: Late or other fees

PNC bank instituted a change in policy with regards to maximum number of transfers from a savings account due to COVID- where they stopped charging fees to consumers for transferring more than 6 times per month from a savings account. I was not informed why this changed - and became accustomed to the added flexibility of being able to move funds freely without restriction. 

In XXXX of this year, they began reinstituting the fee collection process but did not distribute a notice to all of their customers. My savings account had 13 transfers, equating to 7 total {$3.00} fees. 

The bank refunded the fees but it is very troubling to me that the bank changes their position on fees without a proactive notification to customers. I confirmed with a bank representative that they had no indication of sending me a notice during my call which ended at XXXX.
Complaint sub-issue: Not given enough info to verify debt

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Checkr has completely blacklisted me in the gig economy. I tried to dispute an XXXX background report because they are reporting a deferred adjudication as a conviction. As a result of that request- despite the fact they claim to be investigated the matter and are upholding the report- they have now held up my report at all companies that use checker including XXXX, XXXX, XXXX, XXXX, and several others. They have effectively made it impossible for me to get work anywhere. This includes companies where they're not even reporting the deferred adjudication like XXXX and would return a norma, clear background report. 

As a result of checkers refusal to release my background reports I have not been able to find work anywhere and I'm going to be financially ruined. This one single company holds the power to be able to cause somebody to not get work anywhere in the XXXX economy. 

I have attempted to contact them multiple times they do not answer emails, and they do not have a way to call them by voice to reach a human being. 
You simply have to wait until they are ready or decide to reply. I guess there's nothing to be done until they decide to if they wish to release my records or comply with the law. I guess it's entirely up to them. However I do feel that people should know that this company is doing this to people, and they do not care. They're doing this to people who have no criminal convictions. They are doing this to people with clean motor vehicle records and who are actually qualified to work but can not since checkr refuses to let them. I'm sure this complaint will cause them to retaliate and delay my reports even longer, However I feel that people must know.
Complaint sub-issue: Information belongs to someone else

report incorrect debts on my report and refuse to take accounts off
Complaint sub-issue: Reporting company used your report improperly

I make a call to these companies because personal information is on my consumer report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights
Complaint sub-issue: Debt was paid

I noticed a collection account on my credit fr om Hunter Warfield. The y never sent me a notice or anything telling me that they were reporting anything on my credit. They just put it on there. I sent for validation of the account over 45 days ago and they just ignored me and yet still are reporting this on my credit. They are in violation of the FAIR DEBT COLLECTION PRATICE ACT
Complaint sub-issue: Problem with customer service

I am trying to release my ex wife as a cosignor from my student loans as part of a court ordered divorce decree. I have not missed a payment and do n't plan on missin g one even though they have financially   XXXX   XXXX  . They denied releasing her and  now I am facing contempt of court because they wo n't switch cosignors or release the cosignor even though I have never missed a payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing two accounts on my credit report that do not belong to me. I have been disputing both accounts with all three bureaus as well as the two reporting creditors with no response to my request. These account do not belong to me, and I have been disputing them for more then a year. I want these accounts removed from my credit report asap.
Complaint sub-issue: Personal information incorrect

Sagestream somehow " verified '' I resided at an address I have never lived at and according to XXXX XXXX is actually XXXX University. 

How they came to this conclusion I have no idea. It's obvious someone confused XXXX XXXX, NJ with XXXX, NJ however Sagestream stands behind this erroneous reporting.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7100.00} {$7100.00} {$7100.00} No. of Months ( terms ) : 73 73 73 High Credit : {$26000.00} {$26000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$7100.00} {$7100.00} {$7100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. Merchandise was taken back by credit grantor ; there may be a balance due. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX, I cancelled all services with XXXX XXXX due to divorce filings in XX/XX/XXXX. Since that time, multiple collection agencies have bought the debt and continued to try to collect regardless of me contacting XXXX advising them of the divorce and that I was not in possession of the equipment as they were given to my soon to be ex-husband. Furthermore, it has been 7 years and should be removed. I have contacted XXXX over 10 times and to no end, they keep having debt collection companies buy it out and send requests for payment. In addition, I contracted XXXX in XX/XX/XXXX and XX/XX/XXXX for which I have become permanent XXXX following a 2 week XXXX XXXX. I would like to request that this account be permanently closed given the length as well as ongoing health conditions.
Complaint sub-issue: Was not notified of investigation status or results

I have noticed many incorrect and inaccurate accounts as well as unauthorized inquiries which I have no direct engagement with appeared in my credit report. I have already sent a proper documentation for these items to the bureaus and they did not removed them.
Complaint sub-issue: Debt is not yours

Debt of {$1900.00} from discover from a credit card I did not open.
Complaint sub-issue: Their investigation did not fix an error on your report

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. ; Account Name : XXXX XXXX Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed. Account Name : XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Complaint sub-issue: Reporting company used your report improperly

accordance with the Fair Credit Reporting act XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions