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

Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX Im filing this complaint for false reporting misleading information
Complaint sub-issue: Personal information incorrect

My current address shows as XXXX XXXX XXXX XXXX XXXX, CA XXXX. It should be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Complaint sub-issue: Account status incorrect

My student loans Ive been fighting since their first lawsuit, was finally excepted with their second lawsuit and I was approved XX/XX/2022, the discharge of XXXX percent shows to be removed within 180 days weve past that by 100 days, its affected my score every month within the 100 days on top of over the years by about XXXX points, thats not fair, their twos are harassing me and marking me feel like law is hopeless and that I need to be scared or depend on something other then my rights and law plus their letter.
Complaint sub-issue: Account status incorrect

XXXX XXXX is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.
Complaint sub-issue: Problem during payment process

after using after pay for going on 3 years last year after making almost 50 or more payments on time my credit limit increased to XXXX. then all of a sudden while trying to make a payment the screen just kept spinning and it would freeze up. so I kept trying and then on the next day it finally went through and they took me down about 700.00. this year I have not missed a payment but a few months ago the same thing happened, on yesterday the same thing happened and I emailed them as I have each time before nothing has changed they just send a generic response. it was on this morning I read the reviews about after pay and so many have the very same complaint. they are doing this on purpose to have a reason to decrease peoples spending limit
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 Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C. 1681 section a. States I have the right to privacy - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C. 1681 section a. States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section d ( 1 ) ( a ). States a consumer reporting agency shall provide to any person- ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer 15 U.S.C. 1681 section c ( a ) ( 5 ). 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. 1681 section d ( 2 ). Any consumer reporting agency that furnishes a consumer report that contains any credit score or any other risk score or predictor on any consumer shall include in the report a clear and conspicuous statement that a key factor ( as defined in section 1681g ( f ) ( 2 ) ( B ) of this title ) that adversely affected such score or predictor was the number of enquiries, if such a predictor was in fact a key factor that adversely affected such score.

15 U.S.C. 1681s-2 section 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: Debt was result of identity theft

My name is XXXX XXXX and I am filing this complaint against Discover bank on my own behalf, as a Federally Protected Consumer, without any connection or involvement with any third party. On XX/XX/XXXX, I submitted a validation of debt letter asking Discover to provide the following information within ten ( 10 ) days : 1 ) The identity of the original creditor, 2 ) Verification of their claim against me ( a sworn affidavit or a hand signed invoice ), 3 ) Copies of the contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX, the natural person, and Discover Bank, that prove I agreed to pay the alleged amount, and 4 ) Validation of the alleged debt ( the actual accounting. ) I told them in my letter that if they were unable to provide the above information within the 10 day period, then the account must have a zeroed balance and left open in good standing, so as to not cause anymore damage. I also asked for a certified mail copy of such be provided to me for my records. As of XX/XX/XXXX, it has been 14 days since Discover has received this mail, and I have not heard or received anything back besides the certified mail receipt that shows they got my packet. I made copies of what I sent Discover via certified mail and have attached it to this complaint along with the certified mail receipt that shows Discover has received it.
Complaint sub-issue: Reporting company used your report improperly

I suspect fraudulent inquiries on my credit report. Below are the inquiries listed. 

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 XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Creditor : XXXX & XXXX XXXX ( Original Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX IN ), Account : XXXX Reason : Delete this unverified and inaccurate account
Complaint sub-issue: Didn't receive enough information to verify debt

By the laws governing my state, the State of New Mexico, this company needs to be licensed to engage in their debt collection acitivities. They do not have a valid or active license in my state and therefore are unlawfully engaging in collection activities.
Complaint sub-issue: Information belongs to someone else

I applied at XXXX XXXX XXXX today XX/XX/19 and when they called me back to tell me if I passed the credit check I was told that I did not qualify to rent there because I had several inquiries and accounts in negative or below average standing. I had no idea about these accounts because none of them belong to me. I did not open any of these accounts/inquiries nor did I give anyone permission to open them in my name. I have already filed a police report regarding these suspicious accounts on my report. I did not benefit anything at all from these accounts nor did I take part in any purchases or payments towards any of the accounts. I have never had any type of relationship or contract with any of those companies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  and account number 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: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely  parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX ACC # XXXX XXXX  XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX  ACC # XXXX XXXX  ACC # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Threatened to sue you for very old debt

XX/XX/XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR XXXX XXXX FOR THE AMOUNT OF XXXX ... XX/XX/XXXX-I SENT A LETTER ASKING  TO VALIDATE THE DEBT ... XX/XX/XXXX NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XX/XX/XXXX.... AS TO TODAY, XX/XX/XXXX, IT HAS BEEN MORE THAN 30 DAYS.  I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XX/XX/XXXX.  THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS.  I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY.  I WANT NELSON & KENNARD TO NOW FILE SUIT.  I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX
Complaint sub-issue: Company closed your account

Discover Financial closed my account and has not sent me the remaining balance. It was closed about 2 months ago without warning, but I just want my money back. I believe there was around {$40.00} in the account.
Complaint sub-issue: Having problems with customer service

My daughter attended XXXX in XXXX, NC. upon her graduation she immediately began getting a call from Citi , Corp. She assumed it was fro a credit card that she had gotten when she first attended college and told them that she dd not have a student loan with Citi . I was immediately contacted and told to pay the loan. I told them my daughter did not have any private student loans and I had not co-signed for any student loan other than completing her FAFSA. They immediately began telling me that I needed to pay the loan or they would have my daughter investigated for fraud and imprisoned. I requested confirmation that I had signed for this loan and was refused on the grounds that " it was not my loan ''. I contacted her school and was told that they had no documentation of this loan or a disbursement to my daughter. Shortly after the loan was placed on my credit report and my score dropped significantly. I was contacted again at my place of employment and when I asked how they obtained my work number, the CSR told me they were a credit issuing company and they could obtain any financial and employment information out about anyone. I again asked for verification that I signed the loan and was refused. I also asked that the loan be deferred since I was a full-time student and was told " not possible since the loan was not mine '' so I asked that it be removed from my credit report and the request was also refused with the CSR saying they could always have my daughter investigated fro fraud and imprisoned if XXXX of us did not pay. Finally after they defaulted the loan on my credit report and refused to send me any documentation, I contacted them about repayment. They told me they would be glad to send me the documentation once the loan was paid. I paid the loan in full and later received a XXXX page loan application that contained neither a signature for myself or my daughter. Instead, the signature line for both has typed " signed electronically ''. The School Certification section is completely blank except fot the school ID code and there are no signatures from any school official on the application, or any other information form the university. Additionally, the original loan request was for {$10000.00}, which far exceeded what it would have cost my daughter to attend this public university as she was a commuter and stayed with family members and at that time they " issued '' this loan, my annual salary was only {$30000.00} so there was no way I could have afforded a {$10000.00} loan. My daughter also received FAFSA and XXXX during this time and a scholarship through my place of employment so this loan would have been completely unnecessary.
Complaint sub-issue: Problem while selling or giving up the vehicle

A car dealership fraudulently falsified my original contract and all previous paperwork that I have signed by removing my bank information and get a loan from PNC under my name while I walked in to the dealership with my approval letter from my personal bank that I have been banking with for 10 years. 

Suprisingly, PNC underwriters still approved the full amount of the loan without contacting me while they see that all the documents submitted on my behalf have my original bank name crossed out and my initials were not even provided. 

Since the contract has been modified without my consent and I never signed a loan with PNC, I refused to go pick up the car but PNC still not yet removing the loan from my name. ( I know PNC team is currently working on resolving that fraudulent activity but I feel the process is taking too long before they remove that loan under my name )
Complaint sub-issue: Problem accessing account

I use the service digit to help me manage my savings. Its linked to my PNC checking account, I recently forgot my password to that account and locked myself out, now I am unable to restore the connection between my bank and digit because its saying that PNC no longer allows this. I have money in my digit savings account that I now dont have access to
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. 
XXXX XXXX XXXX XXXX, violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

States I have ( he 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 wilhout my writen instructions.
Complaint sub-issue: Application denied

An Application for a credit card was made in my name and SSN on XXXX Application # XXXX it was denied. I made a police report to my local police XXXX County police Report # XXXX office XXXX XXXX XXXX. 
Sent a request to Discover card for a copy of the credit card application information. 
To obtain this information it was required to submit proof of my ID and a copy of the police report with a written request for the application. 
Upon receiving the information I attempted to follow up on IP Address : and addresses that were in the application. Called local XXXX county Police and spoke with Officer XXXX, she informed me to register my complaint with IC3.gov. since there has been interstate violations, which I completed.

Fraud alert has been posted on my account with all three reporting agencies. 
Received notification about another incident from XXXX XXXX  yesterday Ref. # XXXX. Called XXXX XXXX  the application was denied. 
I was told to be able to recieve a copy of the application with XXXX XXXX  I had to show proof that I have report these incidents to your agency.
Complaint sub-issue: Debt is not yours

I contacted PLAZA SERVICES on XXXX/XXXX/XXXX and spoke with a manager. I stated to her that I received a response from the company stating that the account was recalled from collections. With that being said the account is still reporting on my credit report and when I asked her why she informed me that they still have the authority to report the debt even though it was recalled from collections which I know is ILLEGAL on all aspects. She was very rude and that 's not good business practices especially when you are trying to collect a debt that has been bought for pennies on the dollar which still has not been proven to be mine. Not to mention she did n't even state that that was a debt collection agency and that was an attempt to collect a debt. I will not hesitate to take legal action because I have been compliant on my part. I have already started the proceedings and if the company does not comply with the FCRA from this point on I will not hesitate to proceed with my lawsuit.
Complaint sub-issue: Problem with statement of dispute

Equifax refuses to remove an incorrect entry from my credit report. It would be very easy to verify that my claim is true. This debt was discharged in US federal bankruptcy court on XX/XX/2015. The reporting agency seems to have a very flawed process of " verifying '' that the information they are reporting is correct. They simply ask the agency reporting the debt if it 's correct. If the collection agency says yes, they take their word for it. If Equifax were truly concerned with reporting accurate information, it seems they should hear both sides of the story. Why would they refuse to call attorney XXXX XXXX who represented me in Bankruptcy court and get documentation that the debt was indeed discharged? 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX XXXX Or if they do not want to take his word for it, the court that discharged the debt : Bankruptcy ( XXXX ) XXXX Reference Number XXXX Date Filed XXXX XXXX, 2015 Date XXXX XXXX, 2015 Status XXXX Contact Details COLORADO FEDERAL COURT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Please help me get this nagging false report corrected. Thank you. 
XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is improperly reporting 90 days in XX/XX/XXXX late on my credit report for 12 different loans. I received a forbearance on all loans with XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( the " forbearance '' ). As a result, no payments were required during the forbearance period, which is documented by a correspondence from XXXX XXXX and attached hereto. I submitted a dispute with XXXX  in XX/XX/XXXX but the dispute was denied in XX/XX/XXXX. I contacted XXXX  on XX/XX/XXXX and they told me the reporting is valid and they can not remove the late payment history, despite me offering to provide XXXX XXXX 's correspondence approving a forbearance. As a result of the negligent actions of XXXX XXXX and XXXX, my credit score is extremely damaged.