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

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  Original creditor XXXX XXXX XXXX Balance ; XXXX XXXX BANK XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

On XX/XX/2020, Revsolve called me at XXXX XXXX. in my time zone. I filed a complaint. On the day they likely received the complaint, I was called 5 times in rapid succession by someone who blocked caller ID ; the person refused to identify themselves ( at which point I turned XXXX XXXX XXXX  on ). The calls only ceased when I answered the phone and said, " I know who you are and I am filing another complaint, '' which indicates that this was both illegal retailiation and illegal debt collection practices from RevSolve Inc.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Possible breach into my personal information.
Complaint sub-issue: Trouble with how payments are handled

My name is XXXX XXXX. I took out federal and non-federal student loans during XXXX while attending the University XXXX XXXX XXXX. The loan was through Citibank with a total of approximately {$40000.00}. I have made all payments on time and typically paid more than the minimum payment because I was trying to repay back my loans faster. I was able to pay off all my loans by XX/XX/XXXX. It is now XX/XX/XXXX and I 'm trying to get a mortgage. My mortgage lender informs me that Citibank had filed a dispute on my student loan. I had never heard of this before and it was shocking since it 's been a couple of years since I had paid off my loans. I called Citibank and they said that the dispute was filed with the credit agencies because of how my last payment was redistributed. This did n't make any sense. You would think that paying off a student loan would have been a good thing ; not something to file a dispute over. They will be sending me a letter via snail mail which will take 5-7 days for me to receive stating that the dispute is closed and that my loans are all paid off. They can not send me an e-mail or fax to confirm this. They can not overnight me this letter. I 'm most likely not going to be able to meet my mortgage commitment due date because of this, since it is holding up my mortgage application process. I 'm filing a complaint because I was treated unfairly by Citibank and they are not willing to do all they can to help me address the repercussions of their mistake. I would like this to be published so that other consumers are warned and if they did have a student loan with Citibank, it does n't hurt to check if there is an open dispute against them. Especially for those who paid off their loans early and are asking Citibank to redistribute the additional payment towards principal instead of interest, since that is apparently why the dispute was opened in the first place.
Complaint sub-issue: Debt is not mine

On XX/XX/2017, I received an email from this business. They claim that I owe them a debt for XXXX XXXX. They also claim to have my permission to contact me. This company also attempted to contact me by phone on XX/XX/2017. According to the fair debt collection act : 1. It is illegal for a debt collection agency to contact a consumer, unless it is between the hours of XXXX to XXXX. Since I was contacted on a Sunday, this company has broken federal law. 2. Once a debt has been discharged, it is illegal for a debt collection agency to attempt further debt collection.
Complaint sub-issue: Reporting company used your report improperly

I have documentation of XXXX XXXX XXXX XXXX XXXX and modyfing information on my credit report after I filed a complaint. I ASKED FOR THESE ITEMS TO BE REMOVED FOR INACCURATE INFORMATION NOT UPDATED. A PROPER INVESTIGATION WAS NOT DONE IN THE 1ST PLACE.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$500.00}
Complaint sub-issue: Talked to a third-party about your debt

The company in question spoke to my dad about a debt that they purport to belong to me. They not just spoke to him but tried to get him to make a payment on the debt even after he told them to send me information on the debt to my address by mail. The agent still kept asking him how much he was able to pay on the debt. I also see that they are reporting the debt on my credit report with false an misleading information such as the date the debt was opened. They list the original creditor as XXXX and said that the account was opened on two different dates. On XXXX  they have the date the account was XXXX. On XXXX  its listed as opened on XX/XX/XXXX. the debt is not reporting on XXXX. 

XXXX  has the date last active as XX/XX/XXXX, XXXX  has it as XX/XX/XXXX -
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/18 XXXX accessed my credit report fraudulently. They received my information from XXXX XXXX. XXXX XXXX has since sent letters stating that the information to XXXX was sent in error and to remove the inquiry. I also, sent 2 letters and called to inform them that access to my credit was not authorized. I was not seeking lending from their company. Furthermore, I have an active fraud alert that states that I must be called to verify all applications. At no point did XXXX call me to verify the legitimacy of the information they received. This is a violation of US Code. I stated this in letters and via telephone and they refuse to acknowledge their error and remove the inquiry.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX charged my credit card for {$75.00} without my permission. They had the card stored in their app. I used another form of payment. But they charged my other card anyway. I disputed it but Citi didn't approve the dispute as they said I could not prove XXXX charged my card twice. However, I never told Citi my card was charged twice. I told them that XXXX charged the card without authorization.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to 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 According to 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: Debt was result of identity theft

I noticed a collection account on my credit report that is definitely not my
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I tried to get late car payments off the credit report. From XXXX and XXXXXXXX XXXX XXXXXXXX was told they can't take them off.
Complaint sub-issue: Card opened as result of identity theft or fraud

Dear Madam or SIr, I did not ask US BANK credit card. I never had any account or business with US Bank I did not receive any credit card in my address XXXX XXXX XXXX XXXX MA XXXX I have been charged in my bank account at XXXX XXXX XXXX in $ {$36.00} for 3 months I asked my manager to block it I have been trying to talk with US BANK, but I am XXXX XXXX XXXX, and I am in XXXX due to pandemia I can not go now to the US I need to know who is using my identity and asking a credit card in my name and XXXX XXXX XXXX is charging me - ID XXXX My email is XXXX Att XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unatuthorize inquirities on my XXXX  credit report that i have disputed several times with no avail or resolution, it still remains on my credit report. I also have unauthorized inqueries on my equifax and XXXX credit reports, I have also called and disputed with them also and it still remains on my credit reports. For XXXX there is one unauthorized inquiry form XXXX XXXX XXXX XXXX. Equifax has 2 unauthorized inquiries, from XXXX XXXX  XX/XX/XXXX, also XXXX XXXX XXXX XX/XX/XXXX. XXXX 5 unauthorized inquiries XXXX TX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX and XXXX OF XXXX XX/XX/XXXX. Please reach out to the Bureaus and have them take care of this issue thanks. 

I have put in dispute after dispute and its honestly becoming tiring and wrecking my credit report.
Complaint sub-issue: Problem with customer service

I have repeatedly emailed and messaged MOHELA for a month without any response. Their hold times for a phone call are in excess of XXXX hours. It is not possible to communicate with my loan provider to request a refund and forbearance.
Complaint sub-issue: Need information about my balance/terms

Last week (   XXXX   ), I called  Sallie Mae t o get a  XXXX  pay off statement to apply to refinance my loans with someone else.  XXXX  days before, the pay-out from a different company we 've refied with was placed in my account, so they are aware I 'm trying to re-fi at least some of my loans. My interest rates are outrageous, and I can not afford them much longer. The customer service rep put the request in and mentioned that because of the long weekend  (   XXXX  Friday ) it might take longer than the usual  XXXX  business days, which is fine. I never got the pay-off statement, so I called again last night. While a note had been made on my account, it did n't state how many days I needed nor had the request been filled. Now I have to wait  XXXX   XXXX  business days for the statement to finish my re-fi application. My goal was to have  XXXX  of my loans re-fied by the time my next payment was due, but now because of this, it will not happen. I firmly believ e Sallie Mae i s holding up my paperwork so I ca n't re-finance my loans. I went to  XXXX   XXXX   XXXX .
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Complaint sub-issue: Problem getting your free annual credit report

Hello my name is XXXX XXXX and this is my third attempt trying to obtain my consumer file and report from Equifax. I have uploaded a screenshot of the last attempt. Im using the CFCP in hopes of obtaining my credit report.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX, is not stating that monthly payments are being paid. I negotiated debt, and my balance is showing incorrect amount I owe and not being paid. I have statement/bill which, shows new amount owed and being paid. 
The original creditor was XXXX XXXX Bank I can upload statement. 
XXXX is balance owed, not close to XXXX. 
XXXX XXXX refuses to make changes on credit reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When checking my report I noticed fraudulent and unauthorized inquiries on my report, I did not give any of the credit bureau 's permission to furnish this information on my consumer report this is a violation of the credit reporting act section of 1681b ( c ) which constitutes as fraudulent activity and violation of my privacy rights. 
Below are the inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my credit information and because of their breach I am now listed as a potential victim according to their equifaxsecurity2017.com website.
To save money, the company has not properly placed the security measures necessary to handle the sensitive credit information they hold, and their actions have harmed 137 million people. Their executives were reportedly aware of the breach and chose not to report it to the public, and instead elected to sell a significant amount of their shares outside of 10b5-1 scheduled trading plans just days after the breach. They need to be investigated for insider trading and face prison time.
I am being offered to enroll in their complimentary identity theft protection for one year, however the magnitude of this incident may affect me for many years to come, if not forever. I would like a resolution on this matter.
Complaint sub-issue: Debt was paid

Previous debt owed to XXXX XXXX  was paid in full on XX/XX/XXXX directly to the original creditor XXXX XXXX. The check in the amount of {$750.00} was cashed & cleared with no issues. In XXXX CKS Prime Investments ( a collection company ) reported a collection account to XXXX, XXXX & XXXX with a balance of {$750.00}. I never received any prior communication from CKS Prime Investments & tried to resolve this issue directly with CKS staff members including managers. CKS Prime Investments refused to remove the collection account & continue to report the inaccurate balance. The credit bureaus investigation was concluded as " verified as accurate '' even though I have submitted bank statements showing that the debt was paid directly to XXXX XXXX prior to any collection activity.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

My contract wi th   XXXX   XXXX   XXXX    had expired in  XXXX     2016. After my contra ct expired I was billed {$71.00} I asked the  XXXX   XXXX   XXXX  representative was I going to be charged and she stated NO. I 'm not responsible for this debt when my contract has already expired.
Complaint sub-issue: Their investigation did not fix an error on your report

An account ony credit file was deleted once and then was added back on my credit file. 
15 U.S.C 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written instruction 15 U.S C SECTION 602 A states that I have the right to privacy. XXXX is reporting a late payment on an open account. 15 U.S.C 1666 B states a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account status incorrect

XXXX is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed XXXX that I was XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. XXXX told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the XXXX. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through XXXX, XXXX, Equifax and XXXX for reporting in correct information. I also reached out to XXXX and XXXX XXXX to have the late payment disputed off my credit report.
Complaint sub-issue: Debt is not yours

ON XXXX BCQ EQUITIES LLC XXXX XXXX XXXX XXXX XXXX WI XXXX Filed a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Room XXXX Case. XXXX XXXXXXXX against me for a XXXX XXXX XXXX debt allegation of {$17.00}, XXXX. 

I requested a copy of the original contract from them and all statements showing how this debt transpired from the date of origin to now and they have failed to do so and continues to harass me through the mail and various fake telephone numbers.
Complaint sub-issue: Their investigation did not fix an error on your report

For the past two years I have been trying to resolve the matter of two accounts that Equifax has been illegally reporting on my credit report. The initial date was XX/XX/XXXX with other dates as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accounts that they have been illegally reporting are XXXX Acct # XXXX  XXXX and XXXX Acct # XXXX  XXXX. These accounts are charge-off accounts which according to the IRS are considered income and income isn't supposed to be reported on a consumer credit report. For the past two years they have violated my consumer rights by 1. defamation of my character, 2. Have caused me to experience a high interest rate when I obtained my mortgage causing me pain and suffering. 3. They have also caused me to suffer from XXXX XXXX due to the repeated attempts in trying to rectify this matter.
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. 

XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC, 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

My personal information was stolen and there is numerous fraudulent account in my name. I have tried disputing all of the fraudulent accounts with Equifax. I was on the phone with this company for over an hour. After verifying my identity and disputing the accounts that are fraudulent, I was transferred to another associate who claimed she could not verify me. I went through the entire dispute process with them in the end to be hung up on. I disputed the following ; You have 9 Closed Accounts Account Name 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 XXXXXXXX XXXX XXXX All of these are Fraudulent accounts and Equifax refused to due their due diligence to help me take these off of my Credit Report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've contacted XXXX XXXX to have an inquiry delete from my consumer report that happen on XX/XX/XXXX and XX/XX/XXXX. The sent me a letter backing requesting the credit bureaus to delete the inquiry on my consumer report. I've sent a copy of the request to the credit bureaus and they didn't comply even though I provided proof to have the inquiry deleted.
Complaint sub-issue: Debt is not yours

I contacted Enhanced Recovery Company and requested they validate the debt pursuant to The Fair Credit Reporting Act and The Fair Debt Collections Act, Enhanced Recovery Collections never validated the debt.