Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Complaint sub-issue: Information belongs to someone else

Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX
Complaint sub-issue: Investigation took too long

I faxed a dispute letter on XXXX XXXX 2016. I went to log on their dispute tracking system to find out that they never started an investigation the the inaccuracies on my credit file. I gave equifax ample time to complete an investigation and they disregarded my letter and are being very detrimental to the status of my credit file. This is not FCRA compliant. I know they received the fax because I was given a reply of successful completion of fax.
Complaint sub-issue: Trouble with how payments are being handled

this is a continuation to the complaint that CFPB just closed. The Federal Student Loan stole over {$600.00} from me by applying to take that amount from my Federal Tax Return for XX/XX/XXXX that I was due back this year. They sent you, CFPB the paperwork stating as of XX/XX/XXXX I only owned XXXX to pay off the loan and yet applied to the Federal IRS and took over XXXX of my federal tax return.
Complaint sub-issue: Information belongs to someone else

My information was used to open up an account with Money Lion, I never heard of MoneyLion and never have done any business with them. There is a {$500.00} MoneyLion account on my credit report. 

I am a victim of Identity theft and would like to have this removed from my account right now.
Complaint sub-issue: Attempted to collect wrong amount

I got 3 infractions/citations in XXXX, OR original fine amount {$780.00}. Due certain circumstances I wasn't able to take care of it and then by my personal neglect missed the chance to deal with it within a year as per court statement. go turned over to collections with all the fees new balance of {$1500.00} Per court statement I can only settle with collections agency on monthly payments or pay in full to the court house. Neither one of them refuses to negotiate the debt. one of the reasons I could't take care of it is that I did not have {$800.00} to satisfy it and especially now {$1500.00}. It got turned over to XXXX XXXX XXXX   out of XXXX, OR. Collections agency attempted to collect over {$1800.00} plus tried to charge interest rate. Court 's clerk stated that they can not charge any additional fees nor any interest as it is already built in into new owed balance. I need help to renegotiate the debt and at this time i'm willing to settle for original owed balance which is {$780.00}. this whole incident was caused by as what officer thought I crossed intersection on yellow light. It's unbearable punishment. My driver licence is suspended because of it and I can't support my family without it. Where is the fairness in this. and i'm at fault only because I didn't take care of it in timely manner.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I sent a Dispute to all 3 Credit Bureaus regarding XXXX XXXX. I did not get a response from XXXX and Equifax because I had forgotten to put my social security number and DOB. XXXX investigated that dispute, and there results yielded a deletion of the account. It is my understanding that if a credit bureau deletes an item, they are supposed to notify the other bureaus. 

On XX/XX/22 I sent the attached letter with my correct personal information. In that letter, I included the results from XXXX. Both XXXX and Equifax have responded " Verified as Accurate '' However, did they even consult with XXXX? They deleted the account for a reason. I would assume if XXXX deleted the record, that there is some reason for the deletion and it should be concluded that the same should result from Equifax and XXXX. I feel as if I did not have a thorough reinvestigation and Equifax and XXXX did not consult with XXXX at all. 

I also certify, that I am Indeed the Consumer submitting this complaint and not a 3rd party or credit repair company.
Complaint sub-issue: Old information reappears or never goes away

I 'm XXXX XXXX XXXX I noticed Enhanced Recovery re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information.
Complaint sub-issue: Reporting company used your report improperly

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update these items right away : MEDICAL XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED 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: Credit inquiries on your report that you don't recognize

I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX XXXX bank did another inquiry on my account. I have a new inquiry now on XXXX and Equifax. I really with this company leave me alone.
Complaint sub-issue: Information belongs to someone else

There are accounts on my credit report that do not belong to me.
Complaint sub-issue: Card opened as result of identity theft or fraud

I am the victim of a data purge and somebody is trying to use my social and credit to take out credit cards and buy merchandise from 3rd party vendors like XXXX ( a XXXX $ XXXX XXXX was bought and sent to my address but I returned it ). I have already spoken to the people at XXXX  XXXX XXXX and told them that the credit card applications being sent are fraudulent. I have just received a letter in the mail from a denied discover card application. Some one is actively trying to use my identity and I have filed a police report with my local authorities and froze my credit on the 3 major credit companies and also place an initial fraud alert. I am at a loss of what to do next.
Complaint sub-issue: Reporting company used your report improperly

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Problem with balance transfer

My complaint is addressed to the CFO, CEO, Registered Agent and/or their direct agents of Citi Bank . I have become aware of certain violations and would like them addressed and rectified. The application states that you are loaning me credit. This does not appear to be within your scope of practice. Where is the credit coming from? 
I am studying my rights and consumer laws and upon reading Regulation Z. Title 12 US code 24 paragraph 7 states ; " Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. '' I then came across the Case Laws listed below ; In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11 F 2d 83, 271 U.S. 669. 

A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. 

Mr. XXXX XXXX said : The doctrine of XXXX XXXX  is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 103 Wis 125, 79 NW 229. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 194 NW 430.

It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 133 SC 202, 130 SE 759 ( 1926 ).
It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. Federal Intermediate XXXX XXXX XXXX XXXX XXXX, 33 F 2d 841, 842 ( 1929 ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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 602 A states : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt was paid

On XXXX XXXX I paid XXXX the remaining {$200.00} on my account and on XXXX XXXX I.C. systems inc. a debt collection agency reported it on my credit report as an open collections account owing {$200.00} to XXXX. The debt was invalid to begin with but I paid it anyways due to the threat of reporting it on my credit report. XXXX was never willing to provide proof that I owed the debt yet still strong armed me into paying it anyways.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2022 Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX XXXX Made when : XXXX Made with : Equifax Made by : XXXX XXXX when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax
Complaint sub-issue: Attempted to collect wrong amount

I was a patient at XXXX XXXX XXXX from XXXX until XXXX. The doctor that oversaw my health was a good doctor. I ceased going because of the poor treatment that I received from the support staff. At my last visit a negative incident occured in the waiting room where I was humiliated by one of the counter staff members loudly and falsely stated in front of all the patients in the waiting room that she could find no record of my insurance and that I NEVER WAS A CUSTOMER OF XXXX XXXX! This statement was false. At the same timeI felt so humiliated that I could not speak, Another patient became so afraid that she pulled out her insurance card and rushed to the window to show the lady that she had insurance, .I did not tell the doctor because I was so uncomfortable and felt unwelcome that I just went through the visit, paid the bill and left. 

It was after this negative event that these so called " bills '' for visits that I did not make were sent to me from a collection agency. Furthermore I since have discovered that these " bills '' that are label as office visits were based on appointments that I had to change due to my work schedule, not actually office visits. In addition the amounts reporting exceed the amount of the bill that was paid. I found the documentation recently from the insurance company and the billing that was sent to them from XXXX. 

I have reason to believe that this negative information evolved as a result of the poor treatment I received in the reception room.
Complaint sub-issue: Account status incorrect

Discover Bank is reporting a balance of {$280.00} on a closed credit car account. How can there be a balance on a closed account? The account was paid off years ago and this information they are reporting is inaccurate.
Complaint sub-issue: Can't use card to make purchases

I applied for a new XXXX XXXX business account on XX/XX/XXXX and was approved. I received credit card and started using it. 

Then, in XX/XX/XXXX, customer service employee XXXX XXXX blocked my account in violation to my cardholder agreement. XXXX requested my additional information ( social security card, driver license and business license ) which I provided him with. 

My account remained " blocked '' until XX/XX/XXXX when it was closed by another representative. I wasn't given explanation for the closure. The representative on the phone said " the bank doesn't feel like it ''. 

Since XXXX I scheduled payments to satisfy my monthly due requirements. The US bank doesn't process any payments. Any payments I'm trying to make by calling in get declined and my account falls deeper behind due payments. At the moment they charged me totally about {$200.00} with fees and interest but still don't allow me to make any payments and keep charging me. 

I called representative on XX/XX/XXXX and she insisted that my balance is {$0.00} and I don't need to make any payments. And them I was charged with late {$39.00} fee and interest and had to spend hours on the phone trying to explain my situation to csr supervisor XXXX. Luckily, the late fee was reversed but not the interest. 

My next due date is XX/XX/XXXX, the auto payment that was scheduled on XX/XX/XXXX didn't get processed and manual payment doesn't work. 

I tried to contact investigation unit clerk XXXX at XXXX ext XXXX but he doesn't pick up phone for the last month and doesn't return calls. 

Please help me close the account! The bank doesn't answer my calls and doesn't process my payments.
Complaint sub-issue: Report improperly shared by CRC

Equifax has improperly shared my credit report even after I have placed fraud alerts on my file. I have several inquiries I did n't authorize and they are refusing to remove.
Complaint sub-issue: Problem getting your free annual credit report

I have called Equifax and mailed them several times to receive my consumer report and they still haven't sent it. Equifax has conducted several investigations concerning my consumer report and I haven't received any updated consumer report thereafter. I am aware after each investigation they are to send me a copy of my updated consumer report. Equifax is in noncompliance with their code of federal regulations I can not retrieve my consumer report from this company yet they are reporting my personal identifying information. It is my right to know what they are reporting on my consumer report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$8900.00} XXXX # XXXX XXXX XXXX XXXX   XXXX  Opened XX/XX/XXXX Balanced $ XXXX # XXXX XXXX XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced {$280.00} # XXXX XXXX  XXXX Account Opned XX/XX/XXXX Balanced {$220.00} # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

***I previously submitted a complaint for this company with incorrect attachments. Please delete XXXX, XXXX, & XXXX and replace with this corrected information and new complaint # 's. 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as XXXX  ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the Equifax Data Breach and may have got into the hand of the wrong person.
Complaint sub-issue: Problem during payment process

On XX/XX/2020 I made a payment to First Progress Credit Card via XXXX at XXXX my Transaction ID # XXXX Refernce # XXXX. I received my XX/XX/2020 statement and my XX/XX/2020 payment is not reflected. I called On Monday XX/XX/2020 and spoke with a customer representative and did not get anywhere. I mailed in a copy of my receipt as of today to First Progress along with a money order for my balance on my account. I have two accounts with First Progress Credit Card. I would like my account to reflect my {$40.00} dollar payment as reflected on my receipt and I would like both of my accounts closed and refunded a total of {$400.00} mailed to me ASAP.
Complaint sub-issue: Account status incorrect

I sent Equifax Credit Bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2. The following account is not mine XXXX 3 . The following account is not mine XXXX 4. The following account is not mine XXXX XXXX 6. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 7. The following Inquiry is not mine XXXX  Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents
Complaint sub-issue: Debt was result of identity theft

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the pro per steps, 1. notify creditors 2. police report 3. inform ed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.  XXXX  sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding. These companies disregard laws and dont care whos credit or lives they impact.