Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Complaint sub-issue: Contacted you instead of your attorney

ONCE AGAIN IC IS TRYING TO SCAM ME AGAIN
Complaint sub-issue: Didn't receive enough information to verify debt

I moved out of my apartment complex and received a move out statement about 1.5 months later. I disputed this bill and requested an investigation in writing ( as instructed by the apartment complex ) and followed up over 3 times. The complex ignored my communication attempts and sent me a " 2nd notice '' statement 131 days after receiving my initial move out statement. I then sent a certified letter once again stating my intentions at investigating and resolving the issue. The complex received, signed, and ignored my letter. 

**Please see the attached certified letter and emails for a full explanation of the situation** Four months after sending my letter, I received a call from collections ; however, I never received any written documentation from collections. 

I have two separate complaints : 1. The apartment 's calculated and purposeful lack of communication, as well as their lack of " investigation '' feedback as promised. 
2. The lack of written documentation from collections
Complaint sub-issue: Sent card you never applied for

Today ( Sat. XX/XX/2022 ) I received 2 Commerce Bank Visa Cards which I did not apply for. One of the cards has my name on it ; the other ( same account number ) is a person I do not know.

I called 3 different Commerce Bank numbers listed in an attempt to block use of the account. All three numbers resulted in long hold times without being answered. I understand that this occurred on a weekend, but there should be someone available to block this account. There should be a fraud department to help.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX an account was taken out in my name in XXXX, FL for the amount of {$5000.00}. At that time I was stationed in XXXX for the XXXX XXXX. I have never lived in XXXX. 

I filed a dispute in XX/XX/XXXX for this account and provided my military orders and an FTC Identity Theft Report. Equifax initially agreed with my dispute, added the fraud statement to my account and removed the negative information. In XX/XX/XXXX I received a letter stating that the company that now owns the closed account disputed my dispute and certified that this is my account. Equifax added the negative information back to my account before contacting me. To this day I have not been able to get in touch with the company that owns the debt and I have asked for proof that I own this account and have not been furnished. 

This negative information has the potential to derail my service. I currently hold a security clearance and bad credit is a disqualifying factor.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Convergent AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To whom it may concern, This account XXXXXXXX XXXX XXXX XXXX XXXX XXXX was charged off XX/XX/XXXX. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. Please delete this account. 

I have attached my ID to this letter.
Complaint sub-issue: Was not notified of investigation status or results

On  XXXX / XXXX /   2017   XXXX   XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,  2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX / 2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.
Complaint sub-issue: Didn't receive enough information to verify debt

Jefferson Capital system sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to Jefferson Capital System for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed in my credit report have several hard inquiries I do not inquired or authorize. They put negative image on my credit score and it need to come out of my score as soon as possible. They are as follows : XXXX XXXX XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX XXXX cred inquiry from XXXX XXXX never inquired or applied anything with them ; XXXX-inquiry from XXXX XXXX, XXXX not authorize or inquired anything from them ; XXXX XXXX XXXX XXXX XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX inquiry XXXX XXXX, XXXX never inquired or applied anything with them. These are the companies I found made inquiry in my credit report without my consent or my approval and I want them remove from my credit report as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

I've asked the credit bureaus to do a verification and they done so, they researched on my report and stated that is was accurate but I done a thorough researched on my report I've found improper items on my report that's I found inaccurate. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Reporting act 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 consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Problem 's WITH CHARGING MY CHECKING ACCOUNT FOR ( OVERDRAFTS Fees ) WHEN ONLINE BANKING SHOWS BALANCE AMOUNTS AND PENDING- WHEREAS PENDING ' ALREADY HAS TAKEN OUT OF ACCOUNT- AND BALANCE AVAILABLE- HERE tcf IS CHARGING OVERDRAFTS WHEN ACCOUNT ONLINE SHOWS TRANSACTIONS AND " RUNNING BALANCE 's '' I WAS CHARGED TWICE IN ONE DAY XX/XX/XXXX OVER DRAFTS OF {$37.00} EACH AND LOOKING BACK XX/XX/XXXX $ XXXX- THIS IS TOTAL {$110.00} IN OVERDRAFTS FEES AND ONLINE BANKING DOES " NOT '' SHOW ( ANY ) NEGATIVE BALANCE. *all PENDING AND POSTED BALANCES DO- NOT ( MATCH ) WITH ONLINE FROM tcf BANKING ( NOTICE ), does not show any negative, does not show when/time/day or order manor of when transactions " actually went thru '' does not SHOW the order of " pending '' when transpired ( thou my account is/was Not Negative- At All ) THE INTENTIONAL 'OVERDRAFTING OF CONSUMERS/ MY- ACCOUNT " IS FRAUDULENT/DECEPTIVE ACTIONS, of FINANCIAL HARM/LOSSES - TO BE CAUSING ME/CONSUMERS TO BE CHARGING OVERDRAFT FEES ON ACCOUNTS " WHEN NO-TRANSACTIONS OF NEGATIVE BALANCE ARE PRESENT. ONE WAS REVERSED -DUE TO LONG TERM 18 YRS RELATIONSHIP '' 4 TIMES CHARGED TOTAL.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Called XXXX, and XXXX  to ask them about so inquires that i do not recognize on my credit report. i was informed on how to go about correcting these errors, i was told to contact the creditors who are reporting the inquires. i am diligently working on improving credit. 

I only have 3 primary cards that i have applied for and all of the other cards are authorized user accounts i have a total of 10 inquires on my XXXX report & 7 on XXXX and 5 on XXXX. 

a total of 3 inquires should show on my credit report across all 3 credit reporting agencies. 

i am exercising my rights to have all inaccurate information removed and deleted from my credit reports. i will be attaching a dispute letter with this complaint to show the inquires im referring to also. 

XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX Bank Equifax XXXX XXXX Bank XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX Experian XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAP XXXX XXXX Bank XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX F Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are 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 creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXXXXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Charge Off XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

To whom It May Concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not say they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the FCRA where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never head of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : US Department of EDC XXXX XXXX XXXX XXXX Balance : {$1200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : US Department of EDC Account Number : XXXX Balance {$2200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where i can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter
Complaint sub-issue: Problem during payment process

X/XX/2018-X/XX/2018. Hello due to returns and online payments I was shown to have an available credit of over {$4200.00}. It said that I still had a balance due of {$140.00} but that never updated and posted correctly. I made purchases on the XX/XX/XXXX of {$280.00} at XXXX, {$370.00} for insurance, a little over {$20.00} on gas, and another {$17.00} on a video service. Now it is showing that I have an available credit of {$3100.00}. I spent close to {$700.00} not {$1000.00}. 

I have tried calling the bank multiple times and they said I could n't have credit over {$4000.00}, but I know what I saw. They also said they charged me {$140.00} even though that should have been paid off due to payments and refunds. They are always late when posting transactions so the available credit never seems to match up with balance allowing them to take extra money!
Complaint sub-issue: Reporting company used your report improperly

In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated My Right.. 

15 U.S.C 1681 secton 602 A. I Have The Right Privacy.

15 U.S.C 1681 secton 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions..

15 U.S.C 166b A Creditor May Not Treat A Payment On A Credit Card Account Under An Open And Consumer Credit Plan As Late For Any Reason..
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX and 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 Account with out my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, the first letter was sent to the credit bureaus XXXX, Equifax, and XXXX regarding the bankruptcy that is reporting. After several letters, I still can not get the appropriate response on how this information was obtained. When I contacted the XXXX XXXX  that is on the credit reports, the XXXX XXXX  wrote back and stated that no information is EVER sent to the credit bureaus, and is unclear how they received this information. After many letters after, I still can not get the proper actions from these credit bureaus
Complaint sub-issue: Account information incorrect

I have XXXX automobile loans on my credit report that are still showing balances. One is with XXXX XXXX the other with XXXX  XXXX and the last with XXXX XXXX XXXX XXXX. All of these loans are paid in full.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section A. Stated I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions.
Complaint sub-issue: Account status incorrect

I have tried numerous times to get a debt off my Credit report for the last 5 years! First and foremost, I am sure I paid it in full, then the company turned around and proceeded to send me to a collection. I paid the collection company, as you will see on the attachment, and they still after 5 years do not remove. 
I get in my mail in XX/XX/2014 that the Company has turned me over for Collection. I call and try to talk to this company which only collects a debt! So, if the debt is paid before a certain date the amount to be paid is lowered. I could not and would not spend another ounce of my energy on this so I paid it. Did the Credit Reporting or the Company take off my credit report. NO, they did not. Is this fair, it is not to me, and specially after 5 years.
Complaint sub-issue: Account information incorrect

EQUIFAX IS REPORTING A LATE PAYMENT FOR MY CREDIT CARD WITH XXXX XXXX XXXX  FOR XX/XX/2022. I HAVE NOT MISSED A PAYMENT AND NO OTHER CREDIT BUREUA IS REPORTING THIS LATE PAYMENT BUT EQUIFAX. 

AFTER SEEING THIS LATE PAYMENT I CONTACTED XXXX XXXX. THEY EXPLAINED THAT THIS WAS A BILLING ERROR ON THEIR END AND THEY CORRECTED THIS ISSUE AND ISSES A REFUND FOR THE FEE. I HAVE ATTACHED PROOF THIS LATE PAYMENT IS AN ERROR.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with 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 account need to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Late Date XXXX
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. 

XXXXXXXX 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 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: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXXXXXX  ( Original Creditor : XXXX XXXX ) XXXX**** ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Received bad information about your loan

Hello! I am still struggling with XXXX  XXXX. this is in reference to an earlier case as well. XXXX  XXXX  XXXX  struggles to accurately track payments towards PLSF and upon certifying payments frequently changes they payments to count towards PLSF.

At one point, they did send me a letter stating they would credit me 23 payments ( great! ) based on earlier struggles and the difficulties I had  experienced, but this has not happened. I have a copy of the letter. Though on 10 year standard repayment, no payments since XXXX have been added to my account. documentation available. At the time of selecting the 10 year standard plan in XX/XX/XXXX, I was told it would count towards PLSF without the fluctuating payments and need to re-certify each year. I selected this payment as it would eliminate the 1-2 month delay in payments each year while they calculated my payment options, and the small difference in payments on XXXX did not warrant the delay. This option was available as a option to choose on the web site at that time, though it no longer can be found ( and no one notified me if this is true ). When you re-certify each year, they is a delay in payments and I wished to finish paying my loans as quickly as possible. Additionally, in XX/XX/XXXX, I had 85 payments ( I have documentation ). Yet in XXXX I had 75 ( documation available ) I currently have 76 payments, in spite of making 11 payments that were not counted and the indication 23 payments would be added to my account by XXXX towards PLSF. I believe I should have 119 payments. XXXX believes I have 76 payments, and need to make 44 more, and MAYBE could then apply to PLSF ; though one advised this would ONLY count if I now switched to a different payment plan such as REPAYE, but this MIGHT not count as all the payments would not be REPAYE. 

I am extremely frustrated as I am genuinely attempting to make 120 on time payments within a predictable payment plan- and seem to move either backwards or hold still. though maybe this is the intent : for me to make payments forever.
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

Equifax is not letting me access my account. I verified all the information name, address, ssn, dob, etc but I am still denied access to my account because I failed the security questions regarding payment amounts in the past. I've had over 10 accounts with different payments, I can not possibly remember each account. Agent XXXX - XXXX was very rude and had very nasty attitude.
Complaint sub-issue: Account information incorrect

I am disputing the following information on my file. This item, XXXX XXXX Credit Card Account # XXXX is inaccurate because the account was opened on XX/XX/XXXX, not XX/XX/XXXX. I am requesting that the item should be updated as it is affecting my credit.