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

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Can't close your account

The company, US Bank. XXXX XXXX did not close my account, and continues to drain my funds funds deposited after closing, by deducting a {$24.00} Monthly Maintenance Fee. I have tried to close my account officially, but the U.S. Bank invented a ruse that my Social Security Card that I used at closing my account was fake!!! The U.S. Bank, then- for a second time- but I was told my documents -my social security card was fake, That claim was false. Since then, the U.S. Bank keeps the account open, and drain the balance by with a {$24.00} for insufficient balance. My latest statement from U.S. Bank dated XX/XX/2022, shows a XXXX balance which U.S. Bank certainly had put on its revenge plan against me - for closing my account. And it can do this with impunity because Banks contribute a lot of money to many candidates for Attorney Generals Elections in every state, and Attorney General 's staff in many cases give them a pass, and hope they will double their contribution in their next election. I have seen too many such cases in my 22 years of teaching political sciences, I am retired now, but I know that political corruption never retires! I have published many anti-corruption articles during my 22 years of teaching -many still showing online under my name.. As a Greek national at birth, I grew up espousing XXXX 's virtues of honesty. and practice of what I teach. I have many comments on internet on honesty, wisdom and anything global and human! My advice to young readers? Be honest in life. It would give you a sense of pride - because you have earned! XXXX XXXX, retired professor
Complaint sub-issue: Account status incorrect

Firstmark student loans attempted to contact me via multiple phone numbers ( which I thought were scam likely numbers ). Without communicating with me, the company reported a delinquent payment that significantly decreased my credit score. I am requesting a removal of the credit flag as I have entered a payment agreement with Firstmark due to losing my job amidst the Covid-19 pandemic. Also, since this is my first time dealing with a delinquent payment to Firstmark and due to substantial hardships the pandemic presented, I am requesting leniency with the confirmation that I will make future payments on time. Firstmark has only provided 4 months of emergency disaster forbearance and I still do not have a job. My other student loan lender ( XXXX ) has agreed to enter a similar payment agreement so I hope Firstmark can be accommodating given these circumstances.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX XXXXXXXX County, VA diverted $ XXXX {$20000.00} of real estate taxes paid by consumer XXXX XXXX XXXX , property owner of XXXX XXXX XXXX XXXX , VA XXXX to other individuals and specifically identified individuals that was given the same account number and address as XXXX XXXX XXXX in public tax records. These funds were paid to XXXX XXXX XXXX by XXXX XXXX XXXX as part of her monthly mortgage payment and XXXX XXXX sent the funds to XXXX XXXX  XXXX County, VA treasurer or Commissioner of Revenue annually. XXXX XXXX XXXX property owner paid county taxes to XXXX XXXX XXXX County, VA through XXXX and learned that XXXX & XXXX County, VA banking institution is XXXX XXXX XXXX XXXX , BB & T ( recent merger with XXXX ), XXXX  XXXX XXXX and any banks of merger with this financial institutions. Currently, XXXX XXXX XXXX County, VA has erased the evidence from their current system. However, attached documents will show the use of the same account number and address of XXXX XXXX XXXX to divert funds she paid towards real estate taxes and evidence of a mortgage on an existing property in XXXX XXXX XXXXXXXX County, VA. Both are a violation of the Fair Credit Reporting Act ( FCRA ).
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Reporting company used your report improperly

XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX XXXX and EQUIFAX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

RE : Account XXXX XXXX XXXX 1 ) XXXX 'collection agency ' has failed to respond and failed to validate this alleged claim in 30 days as required by law. Equifax failed delete false entry which has NOT BEEN VALIDATED according to law. Validation demand was sent via certified mail, XXXX XXXX XXXX USPS tracking # XXXX, and as of XXXX XXXX XXXX has failed to validate per this alleged claim within 30 days. ( Copy attached ). 2 ) Equifax made false written statement to the Federal Agency, Consumer Finance Protection Bureau on XXXX CFPB complaint # XXXX, *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history but no recent dispute history was identified. *Equifax will mail the results of the reinvestigation within 30 days. Equifax has reviewed the complaint and its records. We show that you have not previously contacted Equifax regarding the items listed in this complaint. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. Consumer did in fact notify Equifax twice of their failure to notify consumer prior to reinsertion of previously deleted item which is not valid. 2nd Dispute mailed XXXX XXXX XXXX # XXXX 1st Dispute and deleted by EQUIFAX CREDIT FILE : XXXX XXXX XXXX Confirmation # XXXX Equifax failed to maintain reasonable procedures to assure complete accuracy in the information published to my credit report. Equifax has altogether failed to make reasonable investigation of this matter as required by law, Equifax reinserted previously deleted item without notification to consumer Equifax made false written statement to Federal Agency, CFPB. Consumer believes Equifax has made four violation pertaining to FDCPA and FCRA which are each entitling consumer to {$1000.00} per violation. *XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX ( XXXX ) XXXX has violated the law by continuing collection activities with Equifax while failing to respond to consumer 's right to validation.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am a northeast resident and three ( 3 ) fraudulent charges were made from California on my XXXX XXXX card in a two-day period. The charges were made on XX/XX/XXXX and XX/XX/XXXX of 2019. The values were {$55.00} with XXXX in California, {$40.00} with XXXX in California, and {$450.00} with XXXX in California. I reported the issue to Citi three days after I noticed the charge on my statement, and twice a week since the initial call. They have refused to remove the fraudulent charges from my account and have held me liable for the charges in my revolving credit. I've even paid the charges to avoid accruing interest and damaging my personal credit. I have never seen a credit card company do this before. Holding the customer liable for fraudulent charges is highly unethical ( maybe even illegal ).
Complaint sub-issue: Account information incorrect

ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting credit act XXXX XXXX  account number 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 604 A - section 2 also states I consumer reported AC Can not report an account without my Written instruction or consent to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

creditor reported me 30 days late XX/XX/2013
Complaint sub-issue: Their investigation did not fix an error on your report

I have an item on my credit reports from a company called XXXX XXXX XXXX. 
It is a collections account on behalf of the City of XXXX Fire Department. 
It is a medical bill for ambulance treatment and transport to the hospital for a medical emergency on XX/XX/XXXX. 
The account is on my report as being opened on XX/XX/XXXX. 
All 3 CRA 's agreed to a settlement with the CFPB and the NYAG which implemented a system wherein medical debt that was reported to the CRA 's with a delinquent date less than 180 days from the date of the report would be excluded from a consumer 's credit file. 

( It should be noted that I never received a copy of the original bill in the mail even though the paramedic and hospital that took my information was provided with my PO BOX . ) First, there was no due date on the bill received from the City of  XXXX, so to my knowledge there is no date of initial delinquency. 

Second, assuming that the City of  XXXX considers the date of service to be the initial date of delinquency, then the first date that this item could have been reported to the CRA 's would have been XX/XX/XXXX. ( It is safe to assume that the date of service is NOT the same as the date of the first delinquency. ) This item should be removed from my credit files at all three CRA 's because it is for medical debt which was sent to collections and reported to my credit file less than 180 days from the date of first delinquency and because there could have BEEN no delinquency considering the initial bill has no due date for payment or even a request to pay immediately. 

I have included both a copy of the current CDIA guidelines which show at the bottom of page 2 the  current standard by which medical debt should be excluded : The CRAs will no longer include medical debts identified and furnished by collection agencies when the date of the first delinquency is less than 180 days before the day the account was reported to the CRAs. 


I have also included a copy of the bill that I finally received after disputing the account with XXXX XXXX.
Complaint sub-issue: Debt was paid

ASTA PURCHASED XXXX XXXX AND IS REPORTING ON MY CREDIT REPORTS IN VIOLATION OF FDCPA , FCRA AND S.O.L. LAWS.
Complaint sub-issue: Was not notified of investigation status or results

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED AE FRAUDULENT SOMONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Debt was paid

THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance. I settled account for {$2000.00}, with XXXX XXXX XXXX XXXX. I spoke to someone at THE BUREAUS, and they said once it was settled they would delete it of all my credit reports.
Complaint sub-issue: Reporting company used your report improperly

On the eighth day of XXXX the year 2022 I XXXX XXXX Hereby certified that I am putting your company uplift INC on full legal warning. You claim you couldnt find any errors on the credit report as I have used factual base information to show you I will give you 30 days to remove the account in its entirety or else you will face the consequences! I have proof of taking legal acting before on creditors and credit reporting agencies if you dont believe me try me!
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of Federal Trade Commissions Identity theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

1 ) I contacted Equifax Credit Bereau and ask them to remove a bankruptcy that was on my credit report but was mine. Equifax came back as said that they verfied it with XXXX XXXX. ( Letter enclosed ) 2 ) I contacted XXXX XXXX and they sent me written proof that they didn't verfiy it and that it is not in their system ( Letter enclosed ) 3 ) I contacted the Bankruptcy Court and they verfied that they did not verify any such information and that it was not in their system as well ( Letter enclosed ) i submitted a copy of letter from Bankruptcy court I submitted the report stating that it was verified with XXXX XXXX I submitted the Affidavit of truth that i sent to Equifax I submitted the credit report with item still on there I submitted a copy of my Government issued ID
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax did NOT protect consumer credit info ( Equifax data breach ). Their solution is to prevent actual owners of credit info from creating a new account to be able to access the credit info online. 
I tried creating an account at myequifax.com by providing ALL of the info needed to prove I am me. I got a message that my account could not be created -- I had to call. I was told there was a problem with creating my account and therefore I will NEVER, EVER be able to create an online account & I will ALWAYS ( UNTIL I DIE ) have to call or snail mail info to be able to manage credit freezes on MY OWN ACCOUNT. The person I spoke to would only tell me there was a problem and I would NEVER be able to find out or resolve ( EVEN IN WRITING ) so that I could create an online account. 
I was told that I will NOT even get a letter explaining what happened and how to fix the issue. They have ALL OF MY CREDIT INFO AND I CANT GIVE THEM ENOUGH OF IT TO PROVE I AM ME!!!! 
Having to call to manage credit freezes ( when Equifax is the bureau that did NOT protect MY credit info ) is incredibly tedious & painful ( a long intro message followed by one-by-one ~4-5 menu prompts for info entry, then entering a code texted to the phone # I provided in one of the prompts. Then a wait for a live person, then MORE questions to verify I am me. 
One of there questions was what is the minimum payment of one of your credit cards. I don't know because I pay the ENTIRE balance EVERY month. That answer was not good enough -- I had to log into my CC account to find the minimum payment ( that I NEVER, EVER USE ). 
The person I spoke to said my unfrozen account would automatically be re-frozen at the end of my requested period. But, since they didn't protect my info in the first place ( data breach ), how can I trust them????? -- I would have to call AGAIN ( and go thru the ENTIRE question / prompts ) to verify the freeze status. 
Remember -- it is Equifax who was EXTREMELY LAX at protecting MY account info -- now it is EXTREMELY DIFFICULT to handle MY OWN info!!!
Complaint sub-issue: Their investigation did not fix an error on your report

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Attempted to collect wrong amount

Collection company have not sent anything in writing. This company is trying to collect a debt that is not owed, there was a billing error that was never corrected. The collection company said they was going to send information after they do an investigation. No information sent to me but they updated my credit report. 
Trying to contact them via mail no response. I have not contacted them by phone because they want me to confirm I owe the debt. They could never break down the charges and verify if the charges was accurate or if there was an error in billing. 


XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Attempts to collect debt not owed
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2022 - I contacted XXXX XXXX XXXX to initiate a Dispute of a negative report of a XXXX day late on my credit. ( see letter from XXXX dated XXXX attached ) XX/XX/2022 - XXXX wrote XXXX XXXX XXXX to advise them of an error in credit reporting of the one and only ( ever ) late payment on my XXXX lease account in connection with my XXXX  XXXX XXXX XXXX ( Lease Account ending in XXXX ). 

XX/XX/2022 - XXXX initiated a XXXX XXXX XXXX XXXX XXXX, related to a late payment on the above-referenced lease account in XX/XX/2022, which was caused by a Bank error on the part of my linked Easy-Pay checking account with XXXX XXXX. 

XX/XX/XXXX, XXXX I received a response letter from XXXX XXXX XXXX XXXX XX/XX/2022 ( see attached ) wherein XXXX XXXX that they reported my account as XXXX days late ( under the FCRA ). 

XX/XX/2022 - XXXX verified that a payment submitted on XX/XX/2022 was returned unpaid by my bank as a result of the documented BANK ERROR ( see attached Letter from XXXX XXXX ). 

XX/XX/2022 - XXXX XXXX XXXX further advised that the payment due on XX/XX/2022 was SATISFIED on XX/XX/2022 ( which was 30 days after the payment due date and resulted in a a XXXX day delinquency reporting for XX/XX/2022. 
** NOTE : XXXX stated that my payment was XXXX DAY too late as had it been received on the XXXX day, then XXXX would NOT have been able to report this XXXX day delinquency as they had done. 

XXXX XXXX XXXX failed to complete their investigation within 30 days, as is required. Indeed, to apply the very same " zero-tolerance '' rigor applied to me in being ONE DAY too late in my XXXX payment satisfaction ( caused by documented bank error ), then so too should XXXX XXXX XXXX XXXX XXXX to the same strict time standard in their investigation- which they applied to my curative payment. 

** CONCLUSION ** XXXX XXXX XXXX ' response letter was dated 32 days following my Request for Investigation ( AND 36 DAYS FOLLING THE DATE I ACTUALLY RECIEVED THEIR RESPONSE on XX/XX/2022 ).
Complaint sub-issue: Account information incorrect

I have tried to dispute an account with Discover bank in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.
Complaint sub-issue: Old information reappears or never goes away

XXXX  XXXX was paid 2 years ago. 

XXXX XXXX  was sold to a third party without my permission. 

Medical bill was paid 4 years ago
Complaint sub-issue: Reporting company used your report improperly

I filed an initial complaint case # XXXX. LexisNexis keeps saying they can not identify me to get the CFPB to close the case out. When I call on the phone they have no issues identifying me. They did not attempt to verify me before placing items on my report with permissible purpose. I want the XXXX  XXXX Bankruptcy that they have on my file to be removed as per my previous request. I have sent them all the documentaion they have required to identify myself via the email address they have provided. Do not keep allowing them to say they can not identify me as I have provided my social security number, DOB, state ID and a address verification multiple times. I have attached all of the documentation that has been sent to them.
Complaint sub-issue: Debt is not yours

Originally disputed this fraudulent collection back earlier and was able to remove it from my credit report. I then later check back a week later and see that the agency added the collection again as a new one starting a new time frame along with hurting my credit significantly as I recently applied for a credit card and was notified that I was rejected solely due to this collection issue. I've reached out to the collection agency regarding this account as it shows it's from 2017 back when I was merely XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID to show valid information that this account was opened under fraudulent methods and the things they are doing are illegal yet no action from them. I'm already thinking of filing a police report if that can somehow help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me.