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

I have notified XXXX XXXX  on XX/XX/2022 that they are furnishing information to all three consumer reporting agencies that I have given them no written instruction to do so. By furnishing this information to the consumer reporting agencies XXXX XXXX is violation my right to privacy as a consumer. I have the right as a consumer to opt out of any information being reported to the consumer agencies and XXXX XXXX never provided the disclosure informing me of that information nor did they give me the opportunity to opt out before disclosing this information to a nonaffiliated third party. Below I will provide the law!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Complaint sub-issue: Their investigation did not fix an error on your report

VW financial sent me the monthly statement that had the return address printed with smashed ink which caused the US Post Office not to identify the address and return the payment mail to me as address undeliverable. I have sent the original copy of the returned mail to the VW Financial Services and they had lost the mail again. After which I have sent the VW Financial Services the copy of the returned mail that had clearly shown that the return address had smashed ink on it. They responded that after the review of the documents I had sent they found that the information was accurate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax has numerous inaccuracies on my report In which the demand I verify the inaccurate information and now they have my complete credit profile block so I cant submit a dispute. They are also falsifying the valIdation process for debt on my credit profile.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$19000.00}, {$25000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4300.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

4. XXXX/XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- OTHER ACCOUNT 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Complaint sub-issue: Debt is not yours

I am distressed that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.
Complaint sub-issue: Information belongs to someone else

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XXXX XXXX. XXXX XXXXXXXX XXXX is claiming to have obtained this debt in XXXX XXXX I informed XXXX XXXX XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and Equifax and a status of CLOSED on XXXX. There is NO payment history on XXXX, the payment history for Equifax shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Complaint sub-issue: Their investigation did not fix an error on your report

I sent my letter off to XXXX on XXXX XXXX, XXXX. I told XXXX to do a full XXXX on the accounts I have listed below. I have also attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXX is the response letter they sent me to respond to my letter. I ask XXXX to FULLY INVESTIGATE, and I also ask them to tell me the METHOD OF VERIFICATION of the Investigation, as well as I asked for a updated copy of my credit report. In which I never received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, and US Department of Edu XX/XX/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. 
Also as i was reading the FCRA and noticed they violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) They stated that these account were verified but how is it possible if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After trying to file a dispute on Equifax 's website it gave me some security questions sp they could " identify the proper account '' none of the questions even applied to me so I couldn't even file a dispute. I called Equifax aaaand told them what's going on. They again asked me some questions to " identify the proper account '' over the phone. Once again none of the questions applied tho me and I was told " sorry we can't help you at this time ''. I'm not sure how a credit agency can determine my credit score when they don't even have the correct information.
Complaint sub-issue: Debt is not yours

You, AGS Solutions, Inc must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, AGS Solutions, Inc are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to AGS Solutions , Inc to Cease and Desist 15 USC 1692c 805.  Communication in connection with debt collection. I have no paperwork or contract for business with AGS Solutions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Subject : Disputed Fraudulent Transactions- Citicards : XXXX {$89.00} and XXXX {$88.00} XXXX  Citicards very difficult to deal with - I purchased 2 products on XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX These were samples with no disclosure of any on-going orders or commitments. 

I then noticed that I was charged for two new / different products on XX/XX/XXXX ( XXXX XXXX XXXX {$88.00} ) and XX/XX/XXXX for ( XXXX XXXX   XXXX  {$89.00} ). 
Ive been a cardholder with Citicards since XXXX. I contacted Citicards online site to dispute these charges on XX/XX/XXXX since I did not order them, never received these products and did not commit to any obligation to an auto ship program. 

I believe these were fraudulent charges against my credit card likely from the same vendor. However, the Citicards online site to dispute these charges did not allow me to properly describe my complaint as a fraudulent charge for products never received. I did not believe I should be responsible for canceling an order I never placed and never received. 

Since I never ordered these or ever received these they can not provide any proof of delivery or a signature for the order or receipt. They just use the same card information that I provided to the original vendor / order. 
Im very frustrated that companies can use someones credit cards information and fraudulently bill people for additional products never ordered or ever shipped and CitiCards lets them get away with it.

Citicards is declining my dispute claiming I didnt cancel the order before the vendors auto ship deadline. I now have {$170.00} on my credit card and have spent significant time and effort trying to resolve this. 
Therefore, I need to raise this to someone who can thoroughly investigate and resolve this matter with Citicards. 

Vendor making fraudulent charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C. 1681 Section 604 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

From XX/XX/XXXX until XX/XX/XXXX I wrote near-monthly letters to Equifax advising that there were errors in the reporting of an account on my credit report (  XXXX XXXX ). Some months I received a response, some months I did not, but the times that I did the response was always the same, the creditor validated the incorrect information as correct. However, Equifax simply changed the information reporting each month, rather than deleting as they should have. On XX/XX/XXXX I wrote to Equifax, after all pending disputes for this account had cleared and the account remained, still reporting inaccurate information, and advised that this account was now past the legal reporting period. XXXX  and XXXX  were also reporting this account and were also put on notice that they were reporting this account past its legal reporting period. XXXX  responded and removed the account as required and forwarded notice of its compliance. On XX/XX/XXXX a copy of that notice was forwarded to Equifax along with another demand that they remove the XXXX account. Not only did Equifax not comply, it updated the account with additional incorrect information and caused a drastic drop in my credit score. Despite being reminded, repeatedly, that credit bureaus are required to report only accurate information, Equifax repeatedly disregards my consumer rights by not only reporting incorrect information concerning this account but also refuses to remove the account altogether based on the inaccurate information reporting nor the fact that this account is also past its statutory reporting period, regardless of the information reported.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX   XXXX {$11000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Complaint sub-issue: Didn't receive services that were advertised

Between XX/XX/XXXX and XX/XX/XXXX I was preapproved for several credit cards threw Credit Karma and I was denied. This has created a negative impact on my credit score.
Complaint sub-issue: Trouble with how payments are being handled

FedLoan Servicing is undercounting my payments toward Public Service Loan Forgiveness. I have been trying for nearly FOUR YEARS to have this corrected and it still has not been. 

My federal student loans, which were originally being serviced by XXXX XXXX, were removed from deferment in XX/XX/XXXX XXXX because I graduated in XX/XX/XXXX ). On XX/XX/XXXX, the loans were transferred over to XXXX from XXXX XXXX without my consent. At the time of transfer, the loans were on an Income Based Repayment Plan with a payment amount of {$0.00}. 

The loans were subsequently transferred from XXXX XXXX to FedLoan Servicing -- again without my consent. At some point after this, the {$0.00} payments that had been recorded and previously counted toward PSLF from XX/XX/XXXX through XX/XX/XXXX were converted from " eligible '' to " ineligible '' payments on XXXX of my loans. The denial reason listed in the PSLF payment tracker is " You Do Not Have A Bill Due For This Payment Period ''. However, I did have a bill due ; the monthly payment amount required was {$0.00} under the Income Based Repayment plan ( due to how low my income was XXXX. 

Per https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service/questions : " If my scheduled monthly payment under an income-driven repayment plan is {$0.00}, does each month during which my payment is {$0.00} count toward the required 120 separate, monthly payments? 
Yes. Any month when your scheduled payment under an income-driven repayment plan is {$0.00} will count toward PSLF if you also are employed full-time by a qualifying employer during that month. '' All loans have always been paid in one single auto-debit from my bank account and PSLF loan counts for all should be the same. I provided a verification letter from XXXX on XX/XX/XXXX stating that my loans were on an Income Based Repayment plan with a {$0.00} payment at the time of transfer, and the counts still have not been corrected. Loans # XXXX, XXXX, XXXX, XXXX, and XXXX in my account need to be reviewed and the payments that are currently being counted as " ineligible '' from XX/XX/XXXX through XX/XX/XXXX need to be updated to " eligible ''. 

I have called and emailed FedLoan Servicing over 20 times in the past four years trying to get this resolved.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I already sent report to FTC with FTC report # XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$590.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$150.00} ; MEDICAL XXXX Balance {$690.00} ; MEDICAL XXXX Balance {$3300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Information belongs to someone else

XXXX/Equifax/XXXX  credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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: Debt was result of identity theft

In my last communication with EQUIFAX, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.
Complaint sub-issue: Trouble with how payments are being handled

On the FSA website ( XXXX XXXX XXXX XXXX XXXX ) it states, " any payment you made during the administrative forbearance period ( XX/XX/2020, through XXXX XXXX, 2020 ) can be refunded. '' On XX/XX/2020, I sent an email to FedLoan Servicing asking for a refund on the payment of {$800.00} that I made on XX/XX/2020. I never heard back from them. It is now XX/XX/2020. I sent them a second email today as well.