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

these XXXX  are putting illegal tranaction on my report, with I do not want them on my report, I have a right to privacy, I didn't give my written consent, title 15 section 1681 subsection 602 A says I have a right to privacy, also I didn't give consent to report any charges off late payment, or derogatory information 15 u.s. codes 1681 subsection 604 A, states that, titles 15 section1692 states the debtor shall have no communcation with the consumer, I want these item deleted from my report, and a XXXX fine for each volation, XXXX and Equifax never validated the debt they never respond it been 40 days
Complaint sub-issue: Debt is not mine

I have a collection that 's been showing on my XXXX and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is Mountain State Adjustment, they also go by MS Services & XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Account information incorrect

Though I have previously complained ( XXXX ) about Discover cards false reporting to the credit bureaus, Discover card still failed to correct the wrong report 30 days late/delinquent for XX/XX/2019 payment. 
As a result, I am being discriminated through denial by other banks for simple LOC or borrowing. The latest denial cited the following report from XXXX, XXXX and XXXX : At this time, the following are key factors that adversely affected your credit score : * TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT * TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN * LEVEL OF DELINQUENCY ON ACCOUNTS * NUMBER OF ACCOUNTS WITH DELINQUENCY The only delinquency in my entire XXXX-year credit history is the only false report by Discover as illustrated by my previous complaint to CFPB XXXX. 
It has been over a year of this false report. Since Discover failed to produce any shred of evidence to prove their false statement that I agreed to a wrong random debit account for autopay, I request your kind help to force Discover card to correct the erroneous report to the credit bureaus immediately.

I need your help to have Discover remove this immediately with the correction to the credit bureaus they can produce any evidence of a recorded message indicating that I agreed to a wrong debit account number. The truth was that an incompetent discover employee erroneously placed a wrong debit account and then the Discover people tried to cover up their negligence and incompetency by ruining my unblemished record of XXXX years.
Complaint sub-issue: Old information reappears or never goes away

I have contacted Experian multiple times over the phone on a dispute to remove two address that are not mine over the month. Originally I was told I could not remove them due to the fact that there were tradelines attached to the addresses. I therefore took down the information and sent the following letters telling them to correct the address certified. I have called the last two day to let them know I have contacted them and that the addresses are not removed yet and it has been 30 days. Correct this and remove both addresses as I have taken the steps that were asked of me.
Complaint sub-issue: Account information incorrect

I was sent a letter to use my credit card or it will be cancel. I charged a small amount to the card. The problem is that I never received any notification of the bill via email or in the mail because they had the wrong address on this card even those all the other accounts I have with them are correct. I finally saw it when I signed in. I paid it one day shy of 90 days. I have never paid any bill late. I have tried to work this out with them especially since they had a wrong email.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a collection in the amount of {$900.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted many disputes for Equifax to deleted my XXXX XXXX. I paid the original creditor and Im not liable for a collection account. I submitted proof of this. XXXX and XXXX deleted immediately. 

I contacted XXXX and after filing a complaint with CFPB with proof they responded that they would contact Equifax to delete the tradeline as it is an error. This response was on XX/XX/XXXX2019. 

I have called Equifax at least two time since this asking them to update my intonation and they have not. I contacted XXXX yesterday and was told the request to delete my tradeline was submitted on XX/XX/XXXX and should have been done now. 

On XX/XX/XXXX I received an email that Equifax closed my dispute and left the tradeline on my report. I have provided plenty of proof for why this needs to be deleted. The collection agency has told Equifax to delete but they still refuse. XXXX refusal isnt taking a major hit on credit score which is making it hard for me to get a home loan. What they are doing is not okay. This has been going on for months and it needs to be deleted immediately. If not done in 15 days I will recontact the attorney general as Im told there have been enough complaints sfo start a class action. Please delete immediately.
Complaint sub-issue: Information belongs to someone else

I have filed a FTC report because i found inaccurate accounts on my credit report and nobody is helping me.
Complaint sub-issue: Investigation took more than 30 days

I have disputed this account on my credit report. 

I disputed this account directly with original creditor. 

Original creditor failed to respond in 30 days FCRA violation. Sent certified mail. 

Dispute sent on XX/XX/21 delivered XX/XX/21 Their letter is dated XX/XX/21 and was not delivered until XX/XX/21 They did not provide information requested. 

This account needs to be deleted immediately for failure to validate the debt and provide supporting documentation.
Complaint sub-issue: Reporting company used your report improperly

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I am a man of XXXX and I feel like these credit reporting agencies are taking advantage of me because of my race. I sent them a official statement on XX/XX/2021 notifying them that these accounts were Fraudulent, so they were supposed to remove them after 4 days of receipt of my letter, but they did not. it is now XX/XX/2021 and these accounts are still reporting to my credit report. they are only treating me like this because they feel like I don't have consumer rights because of my race.l they are discriminating against me and my consumer rights. 
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not take basic precautions when storing my personal and private information, and that information of 143 million others. Our private data had been exposed for nearly 4 months before the public was notified ( and it is criminal that the board knew within 20 days and made money of the process ), and to boot, Equifax 's site was not working correctly and was insecure when this was first information was first released. I have now had identity theft and am dealing with the aftermath of this breach ( and will for the rest of my life ), which is why I am submitting this formal complaint. This negligent behavior is vexatious and there needs to be a change with standard operating procedures with how credit cards are open and how identity is proven.
Complaint sub-issue: Account status incorrect

i had a loan mortgage for which was transferred to another lender, but prior to transfer was with XXXX XXXX XXXX XXXX. account number XXXX on XXXX of 2016 the lender is reporting a late payment on mine and my XXXX boys credit report, because they are a share holder on this house. 
so basically they are ruining and reporting inaccurate information for XXXX innocent and honest people due to their error. 
nevertheless my boys are serving this country for many years now, they are in the military and serving for 6 years now. at that time that this misinformation happened XXXX of my sons was XXXX to XXXX and we were very worried. i believe i deserve the fact to have this inaccuracy removed just for the fact that i have given my sons for this country for which i am very proud of. please i need your help to have these late removed from all of our reports. 
appreciated. i believe we do deserve after going through lifetime of worry as a military family. thank you
Complaint sub-issue: Debt is not yours

IQ Data International, INC Account : XXXX I never had any contracts, businesses or anything to do with this company, They claim that I owe them {$9800.00} and that they validated the account which is 100 % a BIG lie. Show me that I had a legal contract with YOUR company otherwise by law you have to delete this from my credit report. I know that you can't prove it because you know very well that I've never had an account or any legal contracts with you. Therefore you have 20 days to delete this from my credit reports that you ILLEGALLY and without my consent had reported to my report.
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX XXXX. I received a letter at my address addressed to 'Reuben XXXX XXXX demanding payment on an old debt to XXXX XXXX XXXX XXXX XXXX After contacting ERC ( Enhanced Recovery Comapny LLC ) to figure out what was going on ( I keep good records and have spotless credit and it wasn't addressed to my exact name so I wasn't particularly concerned for myself... ) They were unable to explain to me how their skip tracing protocol ended up with my address. In trying to confirm my identity ( rather, in trying to get me to confirm XXXX XXXX XXXX identity ) they asked me about a XXXX address which I never had ( though I have lived in New York on and off for more than a decade ). While they marked the account as an incorrect address, my concern is this, from what I'm able to piece together, it seems that ERC is sending collection letters on this particular debt to anyone who lived in the New York area and has a name remotely resembling the name on the account they're trying to collect on which, if true is blatant phishing, it certainly doesn't seem legal and it is most definitely unethical. This is made more concerning by the tone of the correspondence : " ERC has been authorized to report your delinquent account to the national credi bureaus... '' and " Unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after receipt of the notice the debt will be assumed to be valid by us. '' coupled with the 'easy payment options ( XXXX XXXX XXXX XXXX or Credit Card ) and the relatively small amount of the debt in question ( {$370.00} ). At the very least, indiscriminately sending out collection letters to people will cause a great deal of stress, at the worst, it will lead to scared people paying debts they don't owe ( because of the relatively small amount and the urgency of the correspondence ). Had ERC been able to explain any other points of similarity between XXXX XXXX and myself other than our names and our having lived at some point in New York XXXX, I would chalk it up to a strange mistake, but as far as I can tell, there is literally nothing else in common between us, and there are a great number of people in the New York XXXX area with names similar to 'XXXX XXXX XXXX as neither name is uncommon.
Complaint sub-issue: Account information incorrect

I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. 


You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. 

This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX N Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX  Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX
Complaint sub-issue: Information is missing that should be on the report

The following positive information is missing from my Equifax credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Complaint sub-issue: Attempted to collect wrong amount

Hi, I have spoke to and disputed this bill 3 times now.I received three separate bills for the same day of service and one visit to my XXXX.Three different charges of XXXX broken down to three different accounts again for the same visit. I informed them that insurance has an agreement with these organization to accept a smaller amount or a settled amount for services so they are able to accept that particular insurance. I disputed the fact that I never signed anything that said I would owe a particular Dr. by the name of XXXX XXXX separately for the same services.I asked for a copy of were I signed and it said that. Despite the fact that I had full insurance and an account at work that would cover any differences.I never received an answer from them on what service it was and a signed contract that says I would pay Dr XXXX separately from my insurance. I just spoke to them and ask them why they would make it look like three separate accounts for one day of service at the credit bureau.It shows up as 3 collections on all three credit bureaus.Ido n't believe I should of been billed at all unless I knew I was going to billed twice.I am still waiting for the contract I signed that says I would pay that way.Never came.
Complaint sub-issue: Add-on products and services

I participated in the " Payment Safeguard Classic '' program provided by Citibank through Citi/Aadvantage XXXX XXXX MasterCard. One of the benefits in that program is called Auto/Home/Renter Deductible : " Either the Account Balance Credit or the amount of the deductible whichever is less, up to {$500.00}. The Account Balance Credit is equal to the new balance shown on your statement for the billing period in which the loss occurred. '' On XX/XX/XXXX, I got a car accident and my car insurance paid for the repair but subtracted the deductible of {$500.00}. For that billing period ( XX/XX/XXXX-XX/XX/XXXX ), my statement balance is {$500.00}, so I submitted a claim of {$500.00} ( on XX/XX/XXXX ) as per the  Auto/Home/Renter Deductible benefits. However XXXX XXXX ( the insurance/service provider of Payment Safeguard program ) refused to pay the coverage. They told me the " loss date '' was defined as when the deductible was paid and according to my car insurance company record, they sent me a check to cover repair payment on XX/XX/XXXX which was in the next billing period with no balance. XXXX 's definition of " loss date '' does not make sense to me as I suffered the loss on the day when the accident occurred ( XX/XX/XXXX ) and I have no control over when the car insurance company cut a check to cover my repair, so I asked XXXX where I could find the definition. XXXX told me it should be somewhere in the program T & C. I went back to check the T & C and found no such definition. When I called back to ask for clarifications, I was then told it 's a well known definition, so they do n't have to put it in the T & C. I think they just refused to honor the coverage benefits regardless of the program T & C. I have attached XX/XX/XXXX 's latest version of T & C to show the fact that there is no definition of " loss date ''. I do n't know XXXX 's real intention of not providing clear definition of such an important term. However I believe a generally accepted definition of " loss date '' should be the date when the accident occurs.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
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
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$190.00}
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

My XXXX lease ended in XX/XX/XXXX or XX/XX/XXXX. I turned the car in a few days before the end of lease as I was leaving on vacation and had chosen the next car to lease. I have leased many XXXX ; this may have been my fifth or seventh lease. I have never been charged for excess wear and tear. Again this XX/XX/XXXX, I was told that XXXX XXXX had looked over the car and was willing to accept it with no additional charges due to the careful way I keep " my cars. '' I had had scratches and small dents repaired twice during the time I leased it and also purchased new tires in the fall of XX/XX/XXXX before taking a trip. Returning the leased car has never been a problem ; I have simply returned it to XXXX or the predecessor owner of the XXXX, WI., XXXX dealership. I believe I was told that XXXX would ( probably? ) be purchasing the car I was turning in and they knew the condition of the car in response to my telling them I had received a letter or call stating I needed to have the car evaluated by the bank ... so I could ignore that call. <P/>But then I began receiving letters from USBank starting that I owed them {$1500.00}. This came after I had turned the car into XXXX XXXX. They listed small scratches ; it appears they expect me to turn in a car that is completely untouched after a three year lease. <P/>I have talked with the sales person and the sales manager at XXXX XXXX in XXXX, WI., and they have said XXXX would deal with it. But I have had difficulty reaching those people again/or getting them to return telephone calls. I have given them weeks in between calls to have some information to give me. I have no reason to believe they have done anything regarding this problem.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX my account was hit with multiple transactions due to my debit card being stolen. XX/XX/XXXX i was credited back these transactions. XX/XX/XXXX the bank took back the money from my claim and then proceeded to charge 6 OD fees despite it was the banks doing. Its been 4 months since and im missing well over 800 . 

The transactions in question ill provide a sceen shot as well as the police report upon request
Complaint sub-issue: Reporting company used your report improperly

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint with Equifax on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now! Im XXXX furious!!