Johnade/consumer_complaints_cfpb huggingface dataset:
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 has violated my rights XXXX Account XXXX XXXX has violated my rights Equifax Account XXXX XXXXhas violated my rights XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights Equifax Account # XXXX has violated my rights XXXX ) XXXX Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights Equifax Account XXXX XXXXhas violated my rights XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights Equifax Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A . States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight witXXXX XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

I have included attachments, containing all error or inaccurate items on my credit report.
Complaint sub-issue: Account information incorrect

To let you know that I was a victim of identity theft, I am sending you this letter of complaint. I have discovered that several of the account listed on my credit report is not mine or was opened without my knowledge. To help me remove this item from my report, I am requesting your help. The credit bureaus are required by FCRA section 605b to delete or block any accounts mentioned on an identity theft report. I have provided some documents to help in the blocking of the inaccurate information that is being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$850.00}
Complaint sub-issue: Information belongs to someone else

I'VE TRIED REACHING OUT TO THE BUREAUS LETTING THEM KNOW ABOUT THESES INACCURATE FINDINGS. THEY CONTINUE TO VIOLATE THE FCRA AND THE FDCPA. PLEASE SEE THE ATTACHMENT THE CREDIT REPORT SHOWING THE PROOF OF DELETIONS. 
PLEASE NOTE THAT I'VE ALSO REQUESTED THESE UNAUTHORIZED INQUIRIES TO REMOVE FROM THIS FILE. PER FCRA FOR INQUIRIES THAT I DIDN'T AUTHORIZE, MEANING THAT ARE NOT TIED TO ANY OPEN ACCOUNT. 616. CIVIL LIABILITY FOR A WILLFUL NONCOMPLIANCE 15 U.S.C 1681n. 
In the case of liabilty of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Complaint sub-issue: Debt is not yours

XXXX of XXXX I purchased my XXXX XXXX XXXX model with credit and they charged me monthly for payments. I recognize that Ally Auto is a third party on this auto transaction due to the fact that I am the original creditor and only creditor. I have sent out an affidavit of truth stating my rights on this alleged debt and exercising my rights for payments to be issued back to me the original creditor and for car lien title to be sent to me with remaining alleged debt to be removed on all third party reports.
Complaint sub-issue: No notice of investigation status/result

I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquires are still there. The credit bureaus said invalid dispute or verified inquiry.
Complaint sub-issue: Account information incorrect

On XXXX XXXX 2017, I was denied an auto loan based on some company called SageStream LLC.?? Never heard of them before, and ca n't contact them, only by mail. I know on XXXX XXXX 2017, my scores were XXXX XXXX, XXXX XXXX and XXXX was XXXX. This company sagestream has my score at XXXX??? are you kidding me, after all the fuss of making sure my credit is the best it can be, here comes some interloper who I never heard of, who wo n't take a call and no response when written to. Please help in this matter. Now I have XXXX inquires and 5 denials! Can I sue for fraudulent reporting. Thank you XXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

SERVICER : FEDLOAN LOAN # XXXX I am eligible for a REFUND as stated by XXXX program when I overpaid over 120 payments. From XXXX ( 28 payments totals to the amount of {$3400.00} )
Complaint sub-issue: Indicated shouldn't respond to lawsuit

I was issued a civil suit from XXXX. I XXXX and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.
Complaint sub-issue: Their investigation did not fix an error on your report

Omni Financial, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/XXXX. On my credit report they closed the original account in XX/XX/XXXX and re-opened another in the same month, placed it on my credit report and began reporting as a charge off every month since XX/XX/XXXX. XXXX has not conducted a thorough investigation to conclude that what the company is reporting is accurate and correct. As of today XXXX they have hit my credit again dropping it by XXXX points. This was incurred over 7 years ago, I kindly and plead with the CFPB to force XXXX to do a thorough investigation and remove this account from my credit report. As of today, Omni Financial has changed all of the charges they had on the account with XXXXXXXX XXXX and current update as of XX/XX/XXXX.
Complaint sub-issue: Problem getting your free annual credit report

XXXX is always able to provide the report for XXXX or XXXX when I request it. For Equifax it seems I am unable to even access the report. Each time I request it I can NOT get my report. Security questions clearly include information that is not mine. I am unable to dispute it because I am unable to get a report to see what is on it. How do I get a report when the security checks do not allow for the right person to provide their correct information? What would it take to get a copy of the credit report from Equifax?
Complaint sub-issue: Billing problem

The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.
Complaint sub-issue: Their investigation did not fix an error on your report

I 've disputed a XXXX XXXX account ( # XXXX ) on my credit report twice with Equifax because its inaccurate. The account continues to report after the statue of limitation. Equifax insisted that the account is reporting correctly. I was advised by Equifax to contact XXXX XXXX  directly to resolve this problem. I 've attempted to dispute this account with XXXX. I spoke with a manager in the credit card department by the name of XXXX ID # XXXX onXX/XX/XXXXat XXXX and she stated the account has not been reported by XXXX XXXX since XX/XX/XXXX and that there was no information she could provide because the account has been past the statue of limitation. XXXX  advised me to dispute this issue with Equifax. In conclusion, I am stuck with no resolution. How is Equifax reporting this information accurately when the account holder can not be provided with any information? I requested proof of validation from Equifax and I 've yet to be provided with any documentation. I am requesting that this account is deleted immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have sent multiple ftc reports in XXXX equifax along with id and they refuse to accept it as id and process the ftc reports even after providing personal info
Complaint sub-issue: Problem with fees charged

I bought a car from drive time and they told me the car was being financed at XXXX and sum and the car actually was XXXX dollars took the car back in 2 business day to get a refund and they being lie about the refund and still have not gotten it
Complaint sub-issue: Debt is not yours

Trying to collect collection and credit card debts I do not owe
Complaint sub-issue: Reporting company used your report improperly

I did not authorize '' Equifax, '' nor did I consent to following inquiries being furnished on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reinserted previously deleted info

XXXX 's account included in bankruptcy and discharged but still reports as a charge off. It was never a charge off. I disputed via credit reporting agency and the information is deleted then reinsert ed showing a balance owing.
Complaint sub-issue: Information belongs to someone else

I received an email in regards to collection debt which does not appear to be mine. First of all, I never lived at the following address listed on the account. I never had cable from XXXX. I noticed 2 errors found and I am contacting you in regards to that matter. By law I am contacting you through this portal and upon receiving this message please be advised that Ive filed a police report, contacted the FTC and filed a report. I have also filed a lawsuit at the civil county courthouse located in XXXX TX. I am giving you less than 3 days to remove this error from my credit file by the ending of the week. If not I will contact my lawyer immediately upon your response.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Overdrafts and overdraft fees

On many occasions the bank will post debits from the account first, then charge overdraft fees before posting any credits to the account.
Complaint sub-issue: Information is missing that should be on the report

I have reason to believe that there is incorrect personal address information reporting on my credit report. I am requesting a free copy of my credit report for review.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

A creditor is reporting on my credit report late payments every month from XX/XX/2021 to now XX/XX/2021. In XX/XX/2021 that reported an on time payment. I pay my bills on time every month and need these negative accusations removed from my credit report. I have not heard anything from this creditor or had a current bill that said i was late or that I owed money.
Complaint sub-issue: Not given enough info to verify debt

In XXXX 2016 I reviewed my credit report and noticed an account from Procollect , Inc that I did not recall or recognized. They claim that I owe them {$1900.00}. Therefore I sent a validation letter on XXXX XXXX, 2016 requesting additional information on the account they claim I owe them. On XXXX XXXX, 2016 I received a response from Procollect, Inc. however they did not provide payment information, actual balance and date of delinquency.
Complaint sub-issue: Information belongs to someone else

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME CLEARING THINGS UP.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute with Citibank after receiving contacting XXXX XXXX XXXX  to receive a refund on a deposit paid XX/XX/20 after XXXX XXXX sent me a letter on XX/XX/20 stating my trip scheduled in XXXX could be canceled as they were suspending travel through XX/XX/20. I forwarded several emails to the billing dispute department at Citibank on XX/XX/20, XX/XX/20, and XX/XX/20. XXXX  XXXX sent an email to me dated XX/XX/20 which stated that they were suspending travel through XX/XX/20. In doing such, they breached the original agreement for travel. Despite providing this information, Citibank informed me that I should have stated I did not receive the service, versus stating the dispute was over the cancellation of service. This seems to be a play on words or mere semantics. In the end, I did not receive the service paid for. On XX/XX/20 I spoke with XXXX XXXX, XXXX of XXXX at XXXX XXXX that stated that on XX/XX/20 they agreed to the chargeback and did not dispute it. Mr. XXXX stated that XXXX XXXX is not in receipt of the {$920.00} deposit and is not certain why Citibank is stating that the dispute was not upheld because XXXX XXXX accepted the chargeback. In a time of high stress of the pandemic and XXXX bias in America, I do not think it is fair to be treated with such continued bias and unnecessary stress. Citibank has failed to help me, the consumer address this problem. Mr. XXXX provided me documentation that the chargeback was accepted, enclosed I will include it in this complaint. 

Citibank Dispute number : XXXX XXXX XXXX XXXX XXXX # XXXX
Complaint sub-issue: Debt is not yours

I have recently checked my credit reports and it shows that I am in collections with a company by the name of XXXX XXXX XXXX which I believe is tide with XXXX XXXX. Reports state that the account was opened XX/XX/2017 and that I owe {$710.00}. I never opened an account with XXXX or XXXX XXXX XXXX. This account is not mine, this must be fraud. I have attempted to call but they can not find me in there systems.
Complaint sub-issue: Information belongs to someone else

I checked my XXXX on XX/XX/XXXX and saw some fraudulent accounts and inquiries that don't belong to me. I didnt authorize anyone to use my information. This information is not information relating to any transaction done by me. I did not benefit in any way from the fraud. None of these fraudulent accounts are related to any of my legit transactions. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen your identity. 

Please place an immediate block on the following fraudulent information in my credit file immediately upon receipt of this correspondence. I have enclosed a copy of my identity theft report, a copy of my government issued identification as proof of my identity. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$13000.00} XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$3200.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$130.00} XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX 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
Complaint sub-issue: Account status incorrect

XXXX reported multiple accounts ( XXXX ) as being delinquent when I was still enrolled in school. I sent them documentation to show I was enrolled at the time. I received an email from them saying they removed the delinquency. I also filed a credit dispute with Equifax. Equifax has not removed the delinquencies. I can forward the email and/or other documentation on request.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX added a collection in XXXX of 2019. I contacted them directly in XXXX of this year. They directed me to I C System. The representative for the collection agency I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted I C System again at this time and they informed the previous agent I spoke with was out for the week. He continued to say that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX XXXX XXXX or XXXX service.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List account attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.
Complaint sub-issue: Account information incorrect

XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report 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 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Account status incorrect

I HAVE SENT EQUIFAX AT LEAST 4 CERTIFIED LETTERS ASKING THEM TO VERIFY 2 ACCOUNTS ON MY CREDIT REPORT, ONE IS FROM XXXX XXXX I HAVE SENT THEM 2 LETTERS CERTIFIED MAIL AND THEY DID NOT RESPOND. HOW IS IT THEN THAT EQUIFAX IS STILL REPORTING AN UNVERIFIED ACCOUNT. THAT IS AGAINST THE LAW I HAVE ALSO SENT XXXX XXXX 2 SEPARATE CERTIFIED LETTERS TO VERIFY THIS ACCOUNT. THEY HAVE NEVER RESPONDED. YET STILL EQUIFAX CONTINUES TO REPORT IT AS VERIFIED. THEY HAVE SENT ME NO PROOF OF THIS DEBT AND THE LAW SAYS IT MUST BE REMOVED. EQUIFAX REFUSES TO REMOVE IT AND INSTEAD KEEPS VERIFYING IT. THAT IS WRONG AND AGAINST THE LAW. I HAVE KEPT METICULOUS RECEIPTS FOR THE PAST 60 DAYS AND THEY HAVE BROKEN THE FAIR CREDIT REPORTING ACT BY CONTINUING TO REPORT THESE TWO ACCOUNTS THAT HAVE NOT BEEN VERIFIED. WHAT IS THERE PROOF OF VERIFICATION. IT NEEDS TO BE REMOVED IMMEDIATELY.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information is missing that should be on the report

These inquiries which are reporting on my credit reports are not mine. I have informed the credit bureaus on 3 occasions and they failed or refused to investigate. Here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXX credit card and I have never missed a payment I have filed a dispute with XXXX, XXXX and equifax about my XXXX XXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.
Complaint sub-issue: Reporting company used your report improperly

I was an Equifax customer in 2017 when my personal data was breached unlawfully by someone outside the Equifax system.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$3300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.