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

My name is XXXX XXXX and I am a real person upset about the findings of my credit report information. And after checking my credit score to buy a home I have seen some information on my account that wasn't accurate. This is a big violation of my rights to privacy. 

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. 

XXXX XXXX XXXX 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: Didn't receive enough information to verify debt

I disputed a collection that hit my credit report to Equifax on XX/XX/XXXX. It is from XXXX XXXX for a XXXX bill for {$150.00}. I have filed a complaint with the company as well. Equifax responded back on XX/XX/XXXX stating the account is verified. How? I have an account with XXXX and still have cable so this information is wrong. Ive had multiple companies try to put this XXXX account on my credit. I was given no notification that this would be back on my credit. Nothing had been sent to me regarding how this information is correct. This account is not mine and it has not been validated
Complaint sub-issue: Talked to a third-party about your debt

A Few years ago XXXX was informed informed that XXXX XXXX and I were no longer together and that the debt my solo debt. They were also informed that they did not have permission to contact him any more about this debt. They were also informed via letter to cease and desist contact, since they were rude and were attempting to collect late fees on a debt. The Original Lease was a prorated rent and the Apartment complex charged late fees even after the Manager agreed that final bill I received was the final bill.. there has been added 650 $ additional.

They contacted XXXX XXXX today ... His voice mail is clear that it was NOT my voicemail and the number was some how reentered into their system. And they told XXXX they were collect debt of mine. Which is a pure violation of personal information violation. The voice mail is saved!

They also keep saying I am refusing to pay the debt even though multiple attempts have been made to get the bill corrected and they refuse to follow the no collections of additional Fees.

As far as the rudeness they are constantly talking over me, refuse to let me complete my statements, constantly hang up on, and even put someone on hold for extended lengths. The refuse to follow regulations set forth by both the FTC and FCC about telecommunications. Also the normal staff us falsely presenting themselves as Supervisors or Managers.
Complaint sub-issue: Problem accessing account

Online access to my savings, checking, and credit card accounts was blocked by the company on XX/XX/2019. It has now been over two weeks since my online access was blocked. After multiple times contacting the company 's customer service, I was not given any information as to why the account was blocked, how to unblock the account, or how long the process would take. Each time I contacted the company, I was given a generic response to the effect of " someone will contact you '' and still have not been contacted by a bank representative.
Complaint sub-issue: Investigation took more than 30 days

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX. How is this reporting when this account was included in Bankruptcy. Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Complaint sub-issue: Their investigation did not fix an error on your report

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Account status incorrect

MoneyLion has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.
Complaint sub-issue: Problem getting report or credit score

I am paying XXXX a month to CreditKarma for monitoring purposes, and I come to find out that they use a model known as " VantageScore 3.0 '' which actually nowhere near resembles what my actual FICO score is ; in fact, it 's actually grossly overinflated. I am not satisfied with their canned response that " it 's a different model. '' But should n't they be obligated to report my actual FICO score as they are branding their product with XXXX 's labeling? I am onfused as to what the best service is for continuous monitoring of my credit score. Thanks!
Complaint sub-issue: Information belongs to someone else

My apartment was broken into a few years ago and whoever was responsible took many personal items of mine such as bills, my birth certificate and other items. Since then I've had ppl opening numerous accounts in my name. Reported the information to the police department but it didn't stop. Please help.
Complaint sub-issue: Other problem getting your report or credit score

According to the FCRA individuals should have access to credit reports online, Equifax has not allowed me access to my personal credit report online nor updated my information. ( See attachment ) their website has not been updated since the following date on the attachment. 
Equifax is reporting an address I have never lived at and swears that the address belongs to me. The following address belongs to an XXXX family listed with the XXXX County Recorders office or Assessors Office. The address they swear belongs to me is : XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Due to the hardship and denial of several credit from fraudulent addresses reported without my permission this has caused me to be denied employment and licenses for skilled trade. 

I can login to an Equifax website but the information is incorrect. I contacted my attorney and have relocated to an entirely different state to disassociate myself from fraudulent address to continue to be a victim of fraud. ( see attached information )
Complaint sub-issue: Report improperly shared by CRC

Equifax is reporting unverified accounts on m y credit report. This is in violation of the Fair Credit Reporting Actm Section 609
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX BXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX I contacted XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX   XXXX****, XXXX XXXX XXXX  XXXX****, XXXX XXXX****,  XXXX XXXX****, The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Complaint sub-issue: Account information incorrect

I was a victim of identity theft. Equifax not only refuses to remove the accounts from my credit file, now they are pushing the dates of delinquency back so it appears on my report for longer than 7 years.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I mailed certified a dispute letter to Equifax. They received it on XXXX. To this day I have not received my investigation results. They have 30 to investigate my dispute. I called on XXXX and they stated they didnt start the dispute process. That is violation of fcra laws. I need for all accounts included in that dispute to be deleted.
Complaint sub-issue: Was not notified of investigation status or results

Im reaching out because, I formally tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. They were initially provided with documentation of an affidavit to report the identity theft. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!
Complaint sub-issue: Their investigation did not fix an error on your report

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Complaint sub-issue: Account information incorrect

Texas attorney general is reporting inaccurate information on My consumer report as the attached files prove my claim by law with this inaccurate information this should be deleted. They are reporting that I only pay {$240.00} as my evidence show I pay way over {$3000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report and noticed some hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I received notice that my personal information was compromised through the cybersecurity breach of Equifax on XXXX/XXXX/2017. I filed a 90 day fraud alert on my credit profile on XXXX/XXXX/2017 and I am waiting to determine the extent of the breach before taking further action.
Complaint sub-issue: Not given enough info to verify debt

After contacting and interrogating an individual with XXXX, the collection agent abruptly discontinued the call by hanging up. This left the callee worried and confused about his status. He then felt he needed to involve a number of relatives to investigate and attempt to remedy the situation on his behalf. AmeriCollect, of XXXX, WI was ultimately identified as the caller. We found that they had quickly determined that they had contacted the wrong individual. My complaint relates to their ultimate disposition of their call. When they decided they had the wrong person they should have made that clear before they abruptly ended the call.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX  Account XXXX xxxxxxxxxx XXXX, XXXX XXXX Account # XXXX XXXX, have 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: Account information incorrect

My complaint is about XXXX  credit reporting. They are reporting inaccurate and old information I feel on purpose. I have been paying off debt and watching my credit and no matter what I do they keep lowering my score for any reason. But never raising. XXXX  XXXX XXXX  card was paid to XXXX  on XX/XX/XXXX and it posted on XX/XX/XXXX but on I think XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX transunion would rather pull the information from my XXXX XXXX statement date of XX/XX/XXXX. Which make my debt ratio look higher than it actually currently is. Next issue I had a car loan for a XXXX XXXX my report said possibly derogatory. And of course XXXX  ran with the negative without having any facts. I first saw a Dr. XXXX XX/XX/XXXX when the doctor declared me legally XXXX and said I could not drive anymore. In which I reached out to XXXX XXXX XXXX and told them of my situation. They said I could surrender the car to them and they would sale it at auction. And if it sold for more than the loan they would pay it off and send me the difference. Which it did. I was concerned about the reporting agencies using this against me. XXXX XXXX  XXXX  told me this was a self surrender not a repossession. But of course XXXX  went ahead listed it as a repossession. How am I supposed to drive a car if legally I cant drive. I even called XXXX and was worried that car would get ticketed on the city street. So we agreed on a pick up at my cousins house because they have their own driveway. I did everything within my power to get XXXX the car and did a self surrender but like always XXXX  went ahead and listed this against me. I feel like Im being discriminated against because of my XXXX. Im sitting here struggling to file this complaint because of the misinformation and lack of proper reporting being done to me. 

Equifax has done the similar things with my credit score and report. Not reflecting the correct accurate information like XXXX  is doing. Equifax is using old information cards that are paid off to reflect a higher debt ratio keeping my scores low. When if they are pulling correct current data it would show XXXX on XXXX XXXX and now XXXX on XXXX. And I fear they are using the car loan against me too when I self surrendered because I cant see to drive anymore. 

With XXXX  they did the same but after disputing they started to update my info but I want to make sure they arent using the car loan against me to. Whats even more weird is with XXXX  my report is telling me that I dont have enough credit cards. Some my credit is risky. That makes no sense. Like Ive said from the beginning they are reporting accurately and using their inaccurate reporting against me. All three show the newest inquiry but dont list the new credit card. Its not right whats being done. When someone is doing their part. Their reporting is discouraging for someone trying to do the right things. Be proactive and stay on top of things.
Complaint sub-issue: Their investigation did not fix an error on your report

I sold my House at XXXX XXXX XXXX XXXX AZ XXXX XX/XX/2019 ; the Mortgage company was XXXX XXXX XXXX XXXX and the Title company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The Title company paid the loan by wire as listed in the written payoff demand but the XXXX mortgage company returned the wire and charged mortgage for the month of XXXX, XXXX, XXXX and XX/XX/2019 despite receiving the settlement several time back from XXXX XXXX XXXX. Please refer to the attached documents reflecting all communications between XXXX mortgage and XXXX XXXX XXXX XXXX. Finally on XX/XX/2019 XXXX mortgage listed the Mortgage as fully paid in XX/XX/2019 but the past due reports for the months of XXXX, XXXX, XXXX and XX/XX/2019 remain in my credit report and despite several letters to XXXX and calls the negative reports still remain in my credit with the 3 reporting agencies, Equifax, XX/XX/XXXX. I have mortgage application and car purchases denied due to the credit score being lowered to the 500, s from the 700, s .Negative reports from XXXX must be deleted with the 3 credit agencies but XXXX refuse to take action.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago to these bureaus and they are disregarding a regular consumer dispute. I am very stressed I have been sending letters before filing this complaint and still no response.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX of XXXX California, 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: Debt was result of identity theft

I already sent multiple debt validation letters and they willful non-compliant as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] debt showing on on EQUIFAX REPORT : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX FL Re : Acct # account number # # # # # # # # # # # # # XXXX
Complaint sub-issue: Account terms

I was reviewing my credit report and noticed that information listed on XXXX accounts had changed and was not correct. In XX/XX/XXXX/XX/XX/XXXX, I had XXXX credit card accounts with XXXX XXXX, XXXX and XXXX. XX/XX/XXXX, I enrolled with XXXX of Maryland, so that I could consolidate and pay off my debts. At the time, I was XXXX and was not able to take on any new debt at the time because of the medical bills. 
I disputed this information with Equifax and the results state that the company is reporting the correct information. I have credit reports from XX/XX/XXXX that states XXXX of them was closed in XX/XX/XXXX and the most recent credit report states XX/XX/XXXX. I do not know what is going on with this company, but this information is false and I would like it removed from my credit report. 
Both of these accounts were closed at the same time and had to be in order to enroll in XXXX of Maryland. As part of the programs, you are not allowed to open any new accounts until after the old ones are paid off. Finally, I have been on XXXX since XXXX and have never had a credit cards since then. 
Please help me to get this issue resolved.
Complaint sub-issue: Investigation took more than 30 days

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 investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Accounts : XXXX XXXX XXXX Account XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  # XXXX This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the rights 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 Also the credit bureaus took more than XXXX days to complete my investigation, here is my certified mail tracking # XXXX # XXXX # XXXX # XXXX # 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 u.s.c 1681. 

Account name : # XXXX, XXXX XXXX XXXX 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.

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.

15u.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: Can't use card to make purchases

On XX/XX/XXXX all of my credit cards with Citibank were closed without notice. 
I have a 100 % on-time payment history with CitiBank. 
I have no negative information on my credit report, my balances are paid every month, and I have a large amount of unutilized credit. 
Customer Service stated my accounts were closed because I make too many PAYMENTS on my account. 
That is ridiculous, I pay off my accounts each month to keep my credit utilization low and my credit score high. I have been additionally diligent with payments as I recently refinanced my mortgage. I am being penalized because I abide by the terms of my account and pay them off? That is discriminatory and a violation of the Equal Credit Opportunity Act. I have been a Citibank credit card, banking, and mortgage customer for over 30 years - I can not believe Citibank would treat me this way in the middle the current global pandemic crisis.
Complaint sub-issue: Problem with direct deposit

In late XX/XX/2020, my U.S. Bank Reliacard account, through which Pennsylvania provides me Pandemic Unemployment Assistance, was locked : an " account restriction '' to prevent fraud. I was given no notice of this ; I found out when I called U.S. Bank to inquire why a transfer I had made to my personal credit union checking account never processed. 


When I called, I was told that, to unlock my account, I would simply have to upload a photo of my government-issued photo ID. I was told this only after asking to speak to a manager ; prior to that, the agent I spoke to said he was " unsure '' why I could not make transfers to my checking account or otherwise use my card. The agent then told me that it would take 5-10 business days for U.S. Bank to review my upload and unlock my account. This was over a month ago. 


I have called and spoken to representatives 5 times after waiting the full 10 business days. I have been told that the true time for review is 10 to 15 days. I have been told that I simply need to wait, and wait, and wait. 


This is unacceptable and, in my opinion, amounts to a deprivation of benefits in violation of my right to due process. 


I would like the issue addressed and implore the CFPB to investigate U.S. Bank for this practice, which, if you search the internet, is happening to many PUA beneficiaries.