Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a credit inquiry from Flagship Credit from XX/XX/2020. 
I have had no prior knowledge of this credit agency nor any prior contact. 
Ive tried to contact the company by calling the number listed on their website. I was unable to speak to a real person. The automated system kept asking for my account number or my social security number. I dont even know this company to give them my social. 
This is not a credit inquiry made by myself. I want this inquiry removed from my report. As this had brought down my credit score.
Complaint sub-issue: Didn't receive enough information to verify debt

Best Buy has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Old information reappears or never goes away

Equifax has violated section 611 ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy On XX/XX/2018 I received my dispute results from Equifax. In the results it shows the account I disputed, XXXX XXXX  that had a balance of {$4500.00} deleted from my Equifax credit report. I just recently looked at my Equifax report and I see Equifax has reinserted the account back on my report without notifying me. According to the FCRA section 611 ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy it states, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion. Equifax did not send me anything in writing about a reinsertion which is a violation under the FCRA. Please remove this account immediately. It was removed in 2018. Please check attachment. It will show the account was removed in XX/XX/2018 2018
Complaint sub-issue: Fraudulent loan

We purchased a car from Tesla and went to their dealership to order the vehicle. The sales rep took us on their website. We calculated the payment to $ XXXXmonth with {$22000.00} down. Their website stated that the payment includes Includes Destination & doc. A fee of {$1200.00}. Once we ordered the car, paid them {$250.00} as a deposit, and the documents were sent to us days later within their portal, the car payment jumped to $ XXXX/month ( $ XXXXmonth increase ). When we confronted them on the discrepancy, they told us that the website was false and, in their own words, " we are not a big fan of our payment calculator on our website. '' When I confronted them that this is a bait and switch, they retracted their statement and started to justify the mistake by stating their website doesn't include ANYTHING in their payment, no interest, no fees, no taxes, etc. How is one supposed to know what the total payment is if the interest on the car is not added when they're presenting the payment and selling the vehicles to their consumers? And there are other hidden fees on top of the {$1200.00} they have shown? This is a 31 % increase in payment from what was told to us at the time of the sale!

Financing a car or a mortgage is no different. If a mortgage company were showing payments on their website that didn't include the APR, Fees, and Taxes, they would be shut down by the CFPB and FTC for false advertising. Still, a car company like Tesla can advertise payments to people and switch on them without any recourse??? This is a double standard in the finance industry and unjustified! 

After canceling the order, they removed the contract on their website which you couldn't even download!
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 Name : XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX  XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  XXXX Account 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: Credit inquiries on your report that you don't recognize

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. XX/XX/2017
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Public record information inaccurate

XXXX  and Equifax are both showing two Bankruptcies on my credit file. I have disputed several times because I know that is not correct. Each time they both indicated it was valid. I disputed the information with XXXX XXXX directly and they indicated they did remove it. The two bureaus have yet to do so
Complaint sub-issue: Information is incorrect

Well after 2 plus hours on the phone I have been hung up on. I haven't been able to get any card, loan, eat. In my name says that my info doesn't match what is on file.
Complaint sub-issue: Information belongs to someone else

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes, Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX XXXX what bankruptcy/inaccurate XXXXXXXX XXXX XXXX what bankruptcy/inaccurate XXXX XXXX XXXX what bankruptcy/inaccurate COLLECTIONS  XXXX not mine XXXX XXXX XXXX not mine
Complaint sub-issue: Investigation took more than 30 days

1. In a letter dated XX/XX/2018, I requested Selene Finance , Inc. ( " Selene '' ),  my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to XXXX and XXXX ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/2018. Thus, Selene 's 30 day deadline was XX/XX/2018. 

2. I obtained a copy of my XXXX, XXXX, and XXXX credit reports on XX/XX/2018, well after Selene 's deadline of XX/XX/2018. Again, Selene was required by federal law to place a " notice of dispute '' on my accounts no later than XX/XX/2018. 

3. In a letter dated XX/XX/2018, I notified Selene that it had not placed a notice of dispute on my XXXX, XXXX, and XXXX credit reports within 30 days. Thus, federal laws requires Selene to completely remove the items reported late from each of my credit reports. 

4. Selene still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.
Complaint sub-issue: Was not notified of investigation status or results

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THIS FRAUD ACCOUNT ASAP
Complaint sub-issue: Problem with customer service

I made a purchase on XXXX XXXX with my Us bank altitude connect card in early XXXX. My card member agreement says I should get XXXX points for " travel ''. So i called the Bank and asked them to confirm if I would indeed get XXXX points. The representative on the phone said that I would. I made purchases with XXXX XXXX going on the information the rep told me over the phone. After my statement closed, I saw that I only received XXXX points and not XXXX. I called US bank and asked why this was the case around on XX/XX/XXXX. The rep again on the phone told me they are not sure why I didn't receive XXXX and that XXXX travel should have qualified. They said I would receive a letter from a supervisor soon. I got the letter today on XX/XX/XXXX and the letter just says that XXXX XXXX is a travel agency and doesn't count as direct travel purchases. I understand that is their policy, but I feel misled by the US bank reps. If I knew ahead of time that XXXX XXXX would not count, I would have used a different card. But I used my Us bank card because of what the rep told me over the phone. This was a very large purchase and the points are not insignificant.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several hard inquiries that were not me Id like to get rid of by the companies 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

Today, XX/XX/2020, I received a call from my bank regarding a mortgage application I filed. I was shocked to learn that accounts for which my son had listed us solely as authorized users were counting against our credit score. We are not now nor ever have we been financially responsible for these cards yet this is counting against us. This is patently unfair and this practice needs to stop at once.
Complaint sub-issue: Account status incorrect

Account has been open since XX/XX/XXXX. I put the account in forbearance for 4 months in XX/XX/XXXX. Those 4 months show that I was late instead of in forbearance.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has continued to change, alter, and update a charged-off debt, including eliminating the last active date on a Charged Off account from 2015 that is more than 7 years old. When it is disputed, the information is simply updated and changed, including the amount of the debt, the dates of the debt, and the charge-off date or reporting date to reflect what they claim to be accurate. They state that such debt can remain on my credit for another 10 years with no explanation whatsoever. This account was disputed due to gross inaccuracies and I was told, that allows them to update it and the clock starts over, so it's best I just don't dispute it if I want it to fall off my credit after another 10 years. This is a clear violation of the fcra and Equifax has done this at least six times as a result of the investigation and reinvestigation of this debt. 

Equifax has also continued to sell my information to marketing companies under altered or inaccurate names. I have received credit cards in the mail under aka names that are not associated with me. 

I have been on the opt-out for quite some time but they state I can get their offer for up to one year after opting out. The last offer received was distributed to a credit card company three weeks ago and the company has verified the information on when they received my inaccurate name for their credit card offer and who provided it to them.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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 XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX 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 XXXX XXXX  XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, 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 an account without my written instructions. These accounts were open fraudulently without my written instructions.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Complaint sub-issue: Funds not received from closed account

I closed my account with Citibank and they continued to keep a recurring ACH active on my account. This ACH withdrew funds from my XXXX XXXX XXXX account into the closed Citibank account. I have no access to the funds and Citibank denies making the withdrawal. 

I have an email from Citibank with a transaction number and all the details from my XXXX  XXXX XXXX account showing they made the withdrawal. 

The account was closed on XX/XX/XXXX. They made the withdrawal on XX/XX/XXXX
Complaint sub-issue: Debt was paid

I had an outstanding bill from XXXX XXXX XXXX. The reason I had not paid the bill is because they added unauthorized charges to my account. I had a conversation and agreed to additional services, which I was told would reduce my monthly bill. That was incorrect and they demanded I pay XXXX  XXXX dollars for the changes. I asked them to review the telephone conversation I had with one of their agents as it was recorded, to which they declined. I informed them I had no intent to pay the fees they charged me without my consent. They turned me into a debt collector, to which I told them about this issue numerous times. I specifically told them the debt amount was incorrect, to which they told me that was not their problem. After trying to argue this through numerous phone calls with the collection agent, I eventually agreed to a settlement to get this off of my credit. This was done through XXXX on XX/XX/2021, reference number XXXX. The settlement was a reduction of approximately {$300.00} from the original bill amount of approximately {$900.00}. Now I have just received another call from a new collection agency, AFMI Collections, phone number XXXX. Apparently I have been turned in again to collections for the amount that the previous collection agent agreed to reduce my overall bill by. I am trying to clean up my credit so I can buy a home, and these people are nothing but bullies. How is it that the first company could continue to collect on a debt after I have informed them numerous times that it was not accurate? And then how can XXXX XXXX XXXX turn me in to collections AGAIN for an amount that was supposed to be waived. I need help please!
Complaint sub-issue: Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX 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: Can't stop withdrawals from your account

Open in the account XX/XX/2020 with US Bank after paying off a debt I owe to the bank being Ave from the worker bee Branch sure that was there that XXXX I was notified that I can open a bank with them after going to the regulations to verify that I owed with XXXX XXXX and paid off my debt I open an account deactivate my account was closed due to suspicious fraudulent activity is what they said none the less I am being told that it was a third-party investigator investigation company of some sort that I notified under eye can I open an account they took the money that I had in my account and my account has been closed after that do I have to buy money coming from this account has been closed in my name and they expect me to pay off this money
Complaint sub-issue: Their investigation did not fix an error on your report

On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated.
Complaint sub-issue: Their investigation did not fix an error on your report

Fraudulent accounts on my credit report.
Complaint sub-issue: Investigation took more than 30 days

" XXXX XXXX XXXX '' continues to report on my credit profile. I have sent disputes directly to them and have not received any response far past the 30 days stated under the FCRA. Furthermore, they failed to provide me my XXXX authorization consent as well as failed to : -Validate the alleged debt - Provide breakdown of fees including any collection costs and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you. 

-C

ease any cre dit bureau reporting until the debt has been validated by me. -Explain and show me how you calculated what you say I owe. -Provide me with copies of any documentation that show I agr eed to pay this debt.
Complaint sub-issue: Old information reappears or never goes away

Ex wife missed a payment I was the closest signer on the loan I was never contacted by the XXXX XXXX XXXX about the missed payment. I viewed my credit report and noticed the late payment I called and had to make a payment out of my pocket on a vehicle that I was not using. I asked them to remove it in good faith from all 3 credit bureas in good faith and they didnt even have any empathy.