Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

Private and important information of mine was shared in Equifax 's leak/hack. While the company is partial victim to the hack, the security provided was sub par and the response to the issue has been lacking. The site to see if you are effected not secure as well.
Complaint sub-issue: Billing problem

To Whom It May Concern, On XX/XX/2021, an automatic scheduled payment to Volkswagen Credit XXXX. was debited from my bank account. I didn't realize another unauthorized charge had already occurred, rendering my account {$40.00} short of the full VW Credit lease payment amount for that month. Though I made the deposit in time, the automatic payment was ultimately returned on XX/XX/2021. 

On XX/XX/2021 I logged onto my VW Credit account and scheduled a one-time payment to satisfy my XXXX payment, which finally cleared my bank account on XX/XX/2021. After observing the debit from my bank account, I thought everything had been taken care of and didn't feel it was necessary to contact VW Credit. 

On XX/XX/2021 I received an alert from my bank that another attempt was being made to debit my monthly lease payment for XXXX by Volkswagen Credit. Since the payment was already satisfied on XX/XX/XXXX, this additional ACH authorization put my bank account at a pending negative balance. I immediately contacted the customer service line for VW Credit XXXX and was told by their support specialist that they couldn't stop this additional ACH authorization, even though my XXXX payment was already satisfied. 

I then asked to speak to a manager who informed me that their hands were indeed tied and I'd have to contact my bank to place a stop payment. I even uploaded an official letter addressed to VW Credit, stating that I was revoking authorization for an ACH debit from my account. The manager at VW Credit again stated that even though they could see that my XXXX payment had been satisfied, they were without the ability to do anything about this transaction and couldn't guarantee that this automatic payment wouldn't be attempted a XXXX time at a future date. 

Since neither the specialist nor manager from VW Credit could assist me, I asked to have the contact information for their executive office, so that I may file an official complaint. The manager refused to provide this information to me, stating that they would provide their corporate office with my information and that I would be contacted within XXXX to XXXX business hours. So, in the meantime, though I did my best to ensure my XXXX payment was provided to VW Credit, I'm now left without any available funds in my bank account, due to their inability to cancel a pending automatic payment.
Complaint sub-issue: Account information incorrect

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading.

This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Around XXXX, XXXX there was a few unauthorized charges on my account. I notified Home depo department about the charges and also confirmed my credit card was misplaced with out my knowledge. I disputed the charges. Home depot did an investigation and once they completed the investigation based on their review they placed the charges back on my account and came to the assumption the charges belonged to me. I been a client with hope depo for about 2 years, always paid on time and never had a issue. Im planning to drop their services for the disrespect I received from them with this assumption. I would like this resolved and cleared of all fraud charges.
Complaint sub-issue: Information belongs to someone else

My Name - XXXX XXXX D.O.B - XX/XX/XXXX Social Security Number - XXXX 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 charge. I ask that the items be deleted to correct my credit report.I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family ACCOUNT NAME - XXXX XXXX sucured credit card DATE OPEN - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER - XXXX ACCOUNT NAME - XXXX XXXX  DATE OPENED - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER COMPANY INQUIRIES XXXX  - inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX-inquiry Date XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX  - inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX - inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX  inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER inquiry Date XX/XX/XXXX XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX  - inquiry date XX/XX/XXXX XXXX  XXXX XXXX-inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX. Inquiry Date XX/XX/XXXX XXXX XXXX - inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER - inquiry Date XX/XX/XXXX
Complaint sub-issue: Problem during payment process

This guy offered to pay my credit card debt of {$790.00}, he gave me his saving account info and routing number to pay. I paid it off. Then he asked me to go to XXXX XXXX for him the next day after telling me I was allowed to pay the card off, so it wasn't part of the any exchange I was sick so I told him no. He threaten to reverses the payment, I told him that was fine since I was sick and did not want to be control by money ( I was not his slave ) he then threaten to make my credit score to go to XXXX, he told his bank I committed fraud. I have text messages to prove all of this that I asked him permission on amount and everything.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Dear CFPB, I am filing a complaint against Equifax credit bureau, for reporting inaccurate & erroneous information in my credit reports & files. I have tried numerous times to resolve these issues to no avail. In some instances they have agreed to remove inaccurate, erroneous, and outdated information such as the fraud statements and misspelled names and bad addresses and bogus employers, I never worked for. My most recent request to remove the bogus information was XXXX and XXXX of this year. The erroneous information is still in my file although they said it was removed. 

I am also filing the complaint against XXXX the the same erroneous Public Records information which was not verified and should be deleted permanently. they claim was verified XXXX, but wasn't see attached Opt out letters dated before that date. 

Also the inaccurate employnent American verified XXXX & XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Account XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX | XX/XX/2022 XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX
Complaint sub-issue: Information belongs to someone else

Take note that XXXX ( Original Creditor : XXXX XXXX  ) XXXX is not my collection. I do not owe this company, collection agency never contacted me to discuss about this alleged account. I did not sign up for an account with XXXX I do not have an acknowledgement with the original creditor, I did not sign up for an account with XXXX, Remove XXXX ( Original Creditor : XXXX XXXX  ) XXXX from my credit report
Complaint sub-issue: Information belongs to someone else

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Complaint sub-issue: Account status incorrect

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my XXXX XXXX card into the program. I completed the program and paid all of my creditors in full. All three continue to report incorrect info to am three credit reporting agencies. Equifax, specifically is reporting the incorrect account number. On all three report the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full. Not only ate they reporting an incorrect status, on XXXX they are reporting an incorrect write off amount. There are several errors and inconsistencies among a three reports. I am filing a complaint so that I can find resolve as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered s debt relief program to begin with.
Complaint sub-issue: Debt is not mine

This Company ( ERC ) Enhanced Recovery Company, collection company I assume has been removed from my XXXX report just a few months ago and noew they are back on there again after proving it was not my debt the first time, If i m not mistaken that is not legal.
Complaint sub-issue: Received bad information about your loan

I am participating in the Public Service Loan Forgiveness program, and they have not provided with information regarding how many eligible payments I have completed. Despite multiple attempts at contacting them ( MyFedLoan ) for over 1 year asking for updated qualifying payment information, I have not received any information.
Complaint sub-issue: Account information incorrect

Equifax is reporting fraudulent inquires, I've disputed the inquiries with letters from the furnishers INQUIRY NAMES AND DATES, XXXX  XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX  FROM XX/XX/XXXX DISPUTES WERE SENT AND RETURNED AS VERIFIED.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention that Equifax is reporting unlawful things on my consumer report. This unlawful reporting is negatively impacting my credit score and ruining my reputation. Equifax is reporting my credit balances from XXXX XXXX  and XXXX XXXX. Leaving these balances on my report is a violation of the FCRA. I made Equifax aware of this issue on XX/XX/2022 by sending them a letter via certified mail.
Complaint sub-issue: Investigation took more than 30 days

The Credit companies are not complying with their own policies in a timely manner. A complaint was mailed on XX/XX/2022 and it's been over 30 days with no resolution.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

A single individual claiming to call from Sallie Mae repeatedly calls me and asks to speak to either my father or my brother. I tell them that they live in a different state and to please stop calling me. This same person again called me today at XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I have sent FOUR LETTERS previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
Complaint sub-issue: Reporting company used your report improperly

Improper reporting. Reporting a collections account XXXX XXXX that is not accurate and I never consent to furnish or create report. 

Incorrect reporting XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Problem during payment process

Let me begin by stating that this is out of the norm for me to report any company. However, I am totally dissatisfied by the following situation : I have been with  CitiBank  since   XXXX  . Therefore, I have developed a payment routine and have never missed or been late on a payment. My payment is due on the  XXXX  every month. I mailed the payment  XXXX   XXXX  ( every month I mail the payment on the  XXXX  ). However, CitiBank posted that they did not receive it until the  XXXX  and charged me a late fee of  XXXX . I immediately called CitiBank and asked them about the late fee of  XXXX . They aggressively stated that because I was indeed late they were unable to waive the fee. I asked them for a copy of the envelope to confirm the post office postmarked date, they stated that they were unable to retrieve the envelope proving that they received it on  XXXX   XXXX .     Nonetheless, I have been a loyal customer for over 23 years.I do not understand why CitiBank was unable to provide me with proof of receive date, I was not allowed to dispute the charge nor, was a waiver of the  XXXX  fee given.     I have never been late or have had a fee waived. The representative also confirmed that I have not had a late fee within the pas t two  years. I do not appreciate the hassle and the inconvenience. I had to call o n two separ ate occasions. Each representative lacked great customer service skills and was insensitive to my concerns. Although, I can not control the mailman, I am able to control the date in which I mailed it which is before or the same date every month. This issue could have been easily resolved by waiving the fee for a LOYAL customer or at least providing me evidence.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX  transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.
Complaint sub-issue: Frequent or repeated calls

I am getting repeated calls from XXXX. The message left on my voice mail is a recorded message from " NPS ''. They have never identified who they are, who they are representing, and the nature of the call. If I owe a debt, I want something in WRITING that states who they are, who they are collecting for, and the nature of the debt. I do n't think that 's too much to ask. I will NOT give ANY personal information over the phone until I have all of this information in writing because I do n't know who they are. They can not expect me to give out personal information over the phone without proof of debt.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I received documentation from OpenRoad lending offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00}XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$2200.00} XXXX XX/XX/XXXX, XXXX. 
XXXX {$470.00} XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS XXXX  {$350.00} DEPT OF VETERANS AFFAIRS XXXX {$120.00} DEPT OF VETERANS AFFAIRS XXXX {$470.00} -XX/XX/XXXX XXXX XXXX {$2000.00} -XX/XX/XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX {$770.00} XX/XX/XXXXXXXX XXXX {$390.00} U.S. DEPARTMENT OF EDUCATION XXXX {$3500.00} XXXX XXXX XXXX XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Complaint sub-issue: Reporting company used your report improperly

I DON'T RECOGNIZE ANY OF THESE HARD INQUIRIES : XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

all ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Robocalls cost XXXX  $ XXXX arbitration award A XXXX woman won a {$450000.00} arbitration award from XXXX last month after receiving more than 300 robocalls from the XXXX-area retailer, which was trying to collect payments on her {$1600.00} sofa set purchase. 
Consumer Financial Protection Bureau Fines XXXX XXXX {$100.00} Million for Widespread Illegal Practice of Secretly Opening Unauthorized Accounts Search Results Web results FTC Imposes {$5.00} Billion Penalty and Sweeping New Privacy ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} billion penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ... 
Search Results Web results XXXX XXXX  Robocall Lawsuit - The Class Action XXXX  XXXX Blog XX/XX/XXXX - XXXX XXXX  is suspected of violating the Telephone Consumer Protection Act. ... you may be receiving annoying robocalls in violation of federal law. ... cardholders and has loaned over {$2.00} billion since it was founded in XXXX. 


The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Complaint sub-issue: Personal information incorrect

Ive submitted information to have addresses I have never lived in before removed. They were. I recently looked at my credit report and a bunch of them are on there and nothing is reporting with those addresses.