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

In Accordance with the Fair Credit Reporting and XXXX Account, the below listed accounts has violated my rights.

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX : Last reported XX/XX/XXXX {$250.00} Open balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX  : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX  : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened an account with Cash App ( XXXX XXXX  ) this account was strictly for shopping and I paid a couple bills. The deposits amounted up to {$800.00}. I went by transaction by transaction. Then I added all money spent on bills and shopping and that amount came to {$700.00}. They are telling me that I over drafted my account by XXXX?? Now in those deposits I didn't even include the roundups that is where they round to the nearest dollar amount and put it towards stocks. I have contacted them several times today XX/XX/2022 That the storage unit I paid charged me a late fee. that is a complete lie. Because I called the storage place and it was a debit. That means it went out instantly and there was no late fee. I have addressed the situation several times and each time its something new!. I am on a fixed income I have gone bankrupt. So every dime counts.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I received notice by mail that I was granted both an Administrative Forbearance with a begin date of XX/XX/XXXX, and General/Temporary Hardship Forbearance with a begin date of XX/XX/XXXX, and I was also told by phone that my loan was granted deferment. As of today my loan has not been reported to the credit reporting agencies correctly. It still shows late payments on my loan and I have written AES to address this and made numerous phone calls without any progress. I am going to send a copy of my forbearance results along with the portion of 15 USC 1681 that states having these missed payments on my report is incorrect.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

XX/XX/2020 XXXX afini/XXXX  XXXX XXXX THIS WAS FILED ON MY CREDIT REPORT AND I HAVE NO REASON TO DO BUSINESS WITH THEM. I TRIED REACHING OUT TO THESE GUYS AND THEY HAD NO ANSWERS FOR ME. I WANT THEM TO REMOVE FROM CREDIT REPORT XXXX, THIS IS CAUSING PROBLEMS FOR ME. MY CREDIT IS FLAGGED TO CONTACT ME BY EMAIL AND PHONE WHEN MY CREDIT IS RAN. AND HAS BEEN IN PLACE FOR OVER 5 YEARS. I UPDATE EVERY YEAR.
Complaint sub-issue: Account status incorrect

Equifax must read this complaint and respond accordingly, otherwise a lawsuit will be filed. 

This must be addressed immediately. The other two major credit bureaus ( XXXX and XXXX ) have correct information but Equifax continues to exhibit laziness in addressing the issue. 

Equifax has wrongly updated old student loan accounts to include new missed payments when these student loans have been CLOSED for about a decade and should not even be on the credit report at all. The date of first delinquency is well over 7 years ago. Not only should there not be recently missed payments, but they should be removed from the entire credit report by now. 

The following closed student loan accounts are all over a decade old yet keep reappearing on my credit report as new missed payments for each month. Equifax has refused to correct this issue and remove these accounts, rather they keep adding new missed payments even though they are closed. According to the FTC, they must be removed as they are too old to be on file. Remove these from my XXXX credit report immediately. U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX Fed Loan Servicing Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Fed Loan Servicing Date Opened XX/XX/XXXX Fed Loan Servicing Date Opened XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. This account was never late XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Right to dispute notice not received

XXXX funding has partially responded to all disputes made on CFPB. This is intentional I am NOT represented by XXXX and they have not proven that I was served for the lawsuit they brought against me concerning XXXX. It was past the statute of limitations and I NEVER was served and had no way o defend myself. Wages were garnished and XXXX funding still reports on my credit bureaus. XXXX account was with XXXX and another with Citibank both fraudulent. I have requested debt verification including m signature and proof that these debts belong to me. I want records and signatures verifying these accounts are mine. I also want proof that I was served for court. XXXX funding has been sued for dishonest practices and fraud. I 'm a victim of this and will pursue this, I have not received letters like they claim
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, I sent a letter to the US Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from the US Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' XX/XX/XXXX, I sent a letter to XXXX Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from XXXX  Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 

US Courthouse tracking number : XX/XX/XXXX - XXXX 1st attempt : I sent a Bankruptcy Investigation letter to XXXX XXXX XX/XX/XXXX, I got a letter back XX/XX/XXXX stating that the Bankruptcy was verified through the courts. I sent a letter XX/XX/XXXX to XXXX XXXX with court documents stating the courts does not verify nor contact the credit bureaus with any information, I asked them to delete the Bankruptcy. I get a letter back from XX/XX/XXXX from XXXX XXXX stating they could not identify my identity even after I sent proof of residency which they responded to me before when I contacted them. 

Here are my tracking numbers for the 1st attempt : XXXX - XXXX XX/XX/XXXX - XXXX 2nd attempt : I sent the same deletion letter out from the 1st attempt on XX/XX/XXXX letting them know this is my 2nd attempt with MORE Identity and residency documents like my ( Insurance Policy, Bank Information, Birth Certificate & Drivers License ). I get a letter back XX/XX/XXXX stating they VERIFIED through the courts. How is that possible. DELETE!!! 

Here are my tracking numbers for the 2nd attempt : XX/XX/XXXX - XXXX 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 consumer 's 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 consumer 's 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 a 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: Didn't receive enough information to verify debt

regarding I.C Systems Inc. Called to dispute debt. They wouldnt verify debt with any evidence. Website wouldnt allow dispute of debt and there is no way to prove your are not a robot. Phone agents were hostile.
Complaint sub-issue: Account terms

My credit has been run XXXXThis has caused my credit score to drop XXXX points on both Equifax & XXXX. 
I did not apply for credit nor are these cards open. They have been closed for years. I am in the process of selling my house and purchasing another. I am aware of the Group on Mortgage check as we are in the process of purchasing a new home. 
I am disputing XXXX. Again I have NOT requested credit from these companies. I recently had an issue with a XXXX gas card someone opened in my name. This was cleared up by both XXXX and XXXX. I want these removed and reported as possible identity theft. I would like Equifax & XXXX notified of this derogatory hard credit checks so my score can be returned to what it was prior to these credit inquiries. It should be illegal for companies to run credit reports on closed accounts. I am not at all interested in opening these accounts.
Complaint sub-issue: Trouble getting, activating, or registering a card

I have been waiting for my card for 5 weeks it isnt in mail yet
Complaint sub-issue: Account information incorrect

This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. Equifax, XXXX and XXXX  need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the covid19 disaster and florida hurricane ian and nicole. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX  complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. Equifax, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail.
Complaint sub-issue: Information belongs to someone else

Someone has opened fraudgulent accounts under my name to get good t that is effecting me negatively. I have tried to work this issue out with the credit bureaus I have even went as far as adding a fraud statement on my credit profile. The creditors along with the credit bureaus has allowed inaccurate as well as unauthorized accounts to be added to my credit profile and the accounts do not belong to me.
Complaint sub-issue: Investigation took more than 30 days

Please reverse the late payments reported on the following accounts : XXXX XXXX****, XXXX XXXX XXXX**** and 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: Debt is not yours

XX/XX/2019 I went for out patient XXXX lasting about 7 hours and went home. 

XXXX XXXX Hospital over charged Medicare by 300 %. Medicare & XXXX XXXX XXXX paid total of {$27000.00} of the $ 100,000+ invoices. 

I was sent a bill for {$1500.00} for uncovered and unauthorized items. I demand an invoice twice for exactly what the charges were. 

They failed to deliver any justified and Sent me to collection. They are causing me a XXXX year old on SS financial damages.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I opened an HSA ( Health Savings Account ) with OptumBank. I attempted to fund the account with the maximum contribution limit of {$7100.00}. Somehow, the transaction was processed twice and my account was debited twice. No pending transactions were listed on my account management page at the OptumBank website and my account balance registered as {$0.00}. When I contacted OptumBank about the error, they told me there was nothing that could be done and that I would be charged as making an excess contribution. They could not tell me where the excess funds went or why this occured.
Complaint sub-issue: Problem using a debit or ATM card

I have a Checking Account with KeyBank, NA. Because if health problems my account statements, etc. are sent to my business in Washington , DC. Neither my business, any of its or my agents or representatives, or I 9including persons acting with my authorization ) received an ATM debit card from KeyBank, NA for my checking account. Nevertheless, approximately XXXX dollars in ATM withdrawals and debit card purchases weew made with a debit card issued by KeyBank, NA for my checking account. I filed a dispute with Keybank, NA and it denied it without investigation. As I am in Ohio and has been present in Ohio at all times the noted unauthorized withdrawals and purchases were made. Request to KeyBank, NA for ATM and store film, which shows I did not make transactions, have been ignored. I have filed a small claims action in XXXX Municipal Court.
Complaint sub-issue: Debt is not yours

HUNTER WARFIELD A COMPANY BASED IN XXXX FL THAT ACTS IN BAD FAITH AND TRY TO USES BULLYING TACTICS TO PREY ON INDIVIDUAL ALL OVER, NOW THIS COMPANY WE WENT BACK AND FORTH WITH CORRESPONDENCE I STATED TO THEM TO IDENTIFY THEMSELVES PROPERLY THEY DID NOT THEY GAVE ONLY THEIR NAME AND THEY WANT TO COLLECT A DEBT, THEY PRESENTED ME WITH A DEBT IN 5HE AMOUNT OF XXXX, I DONT KNOW WHAT ITS FOR HOW THAT DEBT WAS CALCULATED I NEVER AGREED TO THAT DEBT WITH, ANYONE I ALSO TOLD THEM DO NOT REPORT ANY ADVERSE INFORMATION ON MY CREDIT FILE UNLESS THEY CAN PROPERLY VERIFY EVERYTHING TO ME THEY WENT AHEAD AND REPORTED THE INACCURATE INFORMATION ANYWAYS, THIS IS THE WAY THIS COMPANY OPERATES, THEY PRIDE THEMSELVES ON USING STRONG ARMING TO GET YOU TO PAY DEBTS NOT OWED, THEY NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP, THEY PROVIDE INFORMATION THAT IS SCKETCHY, INACCURATE AND INCOMPLETE ALL FCRA VIOLATION AND THINK THEY CAN ABUSE PEOPLE HOWEVER THEY WANT ... PLEASE REMOVE YOUR DEROGATORY LISTING FROM MY CREDIT FILE
Complaint sub-issue: Account status incorrect

I started a dispute on XX/XX/2021 with Equifax, by law they have 30 days to complete their investigation. Has of today XX/XX/2021 they have not completed their investigation. 

Their behavior is a violation of Federal law. They violated the law by keeping, reporting negative item which was over 8 y old
Complaint sub-issue: Threatened or suggested your credit would be damaged

I am consumer, fully insured individual, that has been harassed by XXXX and their abusive and unfair practices after extend my credit for in a consumer credit transaction for personal, family and household purposes. 

XXXX has breach their fiduciary duty and misrepresented my interested as security for the account used for phone service by several interruptions allegedly for nonpayment and harassing text messages alleging consumer owes a debt. 

I have sent dispute notices to XXXX regarding an alleged debt and XXXX has responded with generic letters as responses. XXXX sent a letter dated XX/XX/22 claiming to be entitled to report write-offs in effort to disgrace the consumer deliberate violation of consumer right of privacy in their refusal of exclusions of transactions or experiences via consumer reports furnished as defined under Fair Credit Reporting Act. 

XXXX has misrepresented the term Bureau as defined under FCRA in their letter to deceptively assume to role as credit reporting agency themselves. 

XXXX has in collusion with with Afni. Inc to represent their collection efforts. 

XXXX has been instructed cease and desist direct and indirect communication with consumer as XXXX has refused to comply with Fair Debt Collection Practices Act Verification of an alleged debt in a positive balance indicating per Fair Credit Billing Act and credit balance demanded as refund.
Complaint sub-issue: Account status incorrect

I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to XXXX, Equifax and XXXX in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.
Complaint sub-issue: Was not notified of investigation status or results

I've sent to Equifax on XX/XX/20 there has been absolutely nothing processed or no sign of investigation and no information has been given to me. 

Not only are the accounts in violation of Federal Law ( unknown and not belonging to me ) they're also not even investigated at all. I've sent these accounts certified mail and I do see XXXX is in receipt of this. 

Its now 2-3 months with NO communication. What's going on? I will be pursuing legal assistance ASAP!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

XXXX XXXX INQUIRY WAS PLACED ON MY CREDIT REPORTS. XXXX XXXX SENT ME A LETTER STATING THEY WILL REMOVE THE INQUIRY BUT STILL NOT REMOVED FROM MY CREDIT REPORTS OF XXXX XXXX, EQUIFAX XXXX REPORTS
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report and I noticed that I have some unauthorized inquiries on my credit report I've reached out to Equifax to correct this issue already
Complaint sub-issue: Information belongs to someone else

My personal information has been compromised and I've reached out to all 3 credit bureaus for correction and never received any response. The following accounts reporting are fraudulent and don't belong to me nor did I give anyone permission to use my information. 

1. XXXX  XXXX  XXXX  ( XXXX XXXX ) Balance {$1700.00}.

2. XXXX XXXX XXXX/ XXXX  XXXX  XXXX  Balance {$590.00} 3. XXXX  XXXX  County {$170.00}