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

In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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: Other problem getting your report or credit score

On XX/XX/2018, I sought to establish a utility service with XXXX XXXX. We couldn't complete the initial screen because there is a block on my credit file with Equifax. I called Equifax, spoke with an agent who identified himself as XXXX he asked if I had a credit card and who was the lender. I told him. Then he asked did I have any past credit card accounts. I asked him to explain his meaning for " past '', and he just said past accounts. I told him that the only account I no longer have was through XXXX XXXX. He then said my answers were incorrect, and he couldn't go any further until I verify any past accounts. I asked to speak to his supervisor and was denied. I asked him three times after this and was still denied. I then asked him what the process is to place a block on a file. He answered that he couldn't give that info until he verify my identity. After this I reiterated that I need the block off of my file, and I need to know how the block was put on my file. The agent refused to answer my concerns and he disconnected the call.
Complaint sub-issue: Seized or attempted to seize your property

As of today XX/XX/2021, my affidavit remains unrebutted. Therefore, it remains a fact that the debt from the beginning is fraudulent. Gateway financial solutions is still in possession of my vehicle and have stolen from an address they did not have on file which is a violation and refuse to give it back at this point. Ive had to retrieve my items out of my vehicle just in case anything ends up stolen during this process, which was stressful and inconvenient. This is my 2nd complaint regarding the debt in question. On OXX/XX/2021, I spoke with XXXX an agent and supervisor with the company, she confirmed for me that they abide by the Truth in Lending Act, I then asked her if she was aware of the proper and lawful way to respond when a consumer sends a request for validation according to the law, she claims not to be aware, or could not remember. I asked her to reply to my affidavit with the requested documents, she exclaimed that she was not obligated to do that admitting that they have in fact not addressed all of my request. Its a fact that FDCPA has clear laws on what a debt collector is to do when the debt is challenged. Since the company refuses to send the proper documents requested, they were to stop all debt collection acts until the matter is resolved. They have decided to ignore my request, ignore the law, and continue with collection. Late XXXX Gateway Financial Solutions stole my vehicle AFTER I sent an affidavit and notice to validate the debt. They continue to respond in a dismissive manner. They have threatened to sell my vehicle on XX/XX/21completely disregarding the fact that I, in all my rights as a federally protected consumer have launched an investigation. l will not sit back and allow anyone or company to take advantage of and scam me, no matter how common this scheme may be. I asked in good faith, they ignored in dishonor. As of today XX/XX/2021, my affidavit remains unrebutted and stands as truth. It is my unalienable right and my right as a consumer to rescind any contract if there is evidence of fraud pursuant to 15 USC 1635. There has been no contract in place since XX/XX/XXXX when my initial affidavit was sent. Any power of attorney given has since been revoked. Since the company was not willing to provide me with the bilateral contract, which is lawfully binding and enforceable, proves one does not exist in fact XXXX confirmed that when I spoke with her on XX/XX/21. The unilateral contract that was in place proves that my signature and personal information was used to retrieve the credit that paid for my vehicle. I unknowingly gave the company my information to do so after being made to believe that I was receiving a loan from Gateway Financial Solutions or affiliates.
Complaint sub-issue: Not given enough info to verify debt

I. Hunt and Henriques sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked Hunt and Henriques to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Hunt and Henriques on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by Hunt and Henriques regarding this matter. 


ISSUE : This firm stated they were retained by XXXX. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Hunt and Henriques in the letter are fraudulent and misleading, and intended to intimidate. Further, Hunt and Henriques has extended this fraud into court.
Complaint sub-issue: Account opened as a result of fraud

On XXXX XX/XX/XXXX, PNC sent Thank You note to my home address for opening three accounts ending in XXXX, XXXX, and XXXX. I did not open these accounts. So, I called PNC at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to alert them to minimally a customer care issue assuming these are legitimate accounts, or potential fraud in the event they are not. 

I followed up with PNC on XX/XX/XXXX at XXXX XXXX  XXXX and was directed to XXXX XXXX XXXX XXXX by XXXX. PNC said that they could not legally give me any explanation. They said that if it was in error for a legitimate business event, the account owner would eventually call in and correct. 

This leaves assurance that no fraud associated with any of the personal SSNs, or business EINs associated with this address unanswered. PNC assured me there was nothing more they could do for me. I asked for address that I could send a certified letter confirming I had alerted PNC to the potential fraud. They were not able or willing to accommodate me on that. So, I am notifying CFPB to the fact that there is potential fraud on three accounts at PNC.

Please provide direction if there is more that I should be doing to alert appropriate authorities to minimize losses to myself, members of household, my heirs, or estate as well as everyone who has a financial relationship w PNC.. 


Kindest Regards, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/ 2016, there were 6 unauthorized credit checks done on my report. 1. XXXX XXXX-twice 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX. 5.XXXX XXXX ... .. I test drove a Truck at XXXX XXXX 's XXXX XXXX in XXXX, NC. and brought the truck back and told them I had changed my mind and left.I later discovered thru XXXX XXXX, that they had pulled 6 hard inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are incorrectly reporting the coding on the XXXX - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.
Complaint sub-issue: Their investigation did not fix an error on your report

I've been trying to get help with this account for a while. I was sending letters since XXXX to no avail. This car is listed on my credit report as a repossession and with a balance of {$11000.00} and this is inaccurate. After repossession this car was sold. I've reached out to XXXX XXXX asking them to verify this information and to stop reporting this inaccurate information since the car was sold but I haven't received a response. Equifax said they investigated this account but still, it's reporting inaccurately. I'm not sure what else to do as this information being reported is making my credit suffer.
Complaint sub-issue: Account information incorrect

Equifax should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Keep getting calls about your loan

They have been calling my grandma every day about the loan, even after my owed amount as been paid
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked EQUIFAX and XXXX to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is XXXX and XXXX XXXX XXXX and XXXX was a XXXX XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but EQUIFAX and XXXX are reporting a dismissal of XXXX but in fact its still a XXXX XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( XXXX XXXX conversion ) unsubstantiated or otherwise found inaccurate. The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after XXXX ( XXXX ) years from the date the bankruptcy case is filed, I am at XXXX and XXXX XXXXXXXX  from case XXXX. Generally, bad credit information is removed after XXXX ( XXXX ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!
Complaint sub-issue: Their investigation did not fix an error on your report

There is a bankruptcy incorrect showing on my consumer report with Equifax. I have called the court listed on the report, and they are not able to verify this information. On XX/XX/2019 I sent a dispute with them. They sent me a response dated XX/XX/2019 that says they found the information through XXXX. This is invalid data, because I placed a security freeze on my XXXX file on XX/XX/2019.
Complaint sub-issue: Account information incorrect

This UPGRADE INC XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

UPGRADE INC XXXX
Complaint sub-issue: Debt was paid

I paid cash and they used my insurance. Later they tried to collect money illegally. I didnt paid as thought fraud. They reported to credit bureau.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX - Made a purchase for {$1400.00} from Sears outlet using Citi AAdvantage Card XX/XX/XXXX - Item was brought for delivery but since the item was out of its packaging and packed and damaged, I did not take receipt of the item. 
XX/XX/XXXX - Lodged a complaint with Sears Outlet ; They asked for product to be returned when it was not even delivered to me. 
XX/XX/XXXX week - Opened a billing dispute with Citi, who reversed the charge. 
XX/XX/XXXX - Received letter from Citi asking for proof of the non receipt XX/XX/XXXX - Sent email with pdf document providing proof of delivery refusal XX/XX/XXXX - Received letter stating that dispute was resolved in favor of the merchant because no information was received. 
XX/XX/XXXX - Called credit card company to resolve the issue. They state that they did not receive the information. I had proof of having transmitted an email with the information and sent them the same. But they would not consider it. I also asked if the merchant had provided proof of product delivery and they stated that he had not. 
It appears that the credit card company did not do even the basic diligence i.e. to seek proof from the merchant that the product was delivered. This is patently unfair to the consumer because proof and documentation is sought from the consumer but not from the merchant.
Complaint sub-issue: Funds not received from closed account

ON XX/XX/2019 I WAS TO RECEIVE INTO MY CHECKING {$4000.00} ACH FROM TAX REFUND. SEE ATTACHED.
Complaint sub-issue: Information belongs to someone else

the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX  Identity Theft BLOOM/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Debt is not yours

I have sent several dispute letters to both XXXX XXXX XXXX XXXX XXXX, and the 3 credit bureaus about 4 medical collection accounts contained on my reports. XXXX and XXXX  deleted the account after the first dispute. However, XXXX  continues to report the accounts. I have sent several letters to the address contained on the XXXX reports, and have received no response. I finally sent a certified letter and it was returned as undeliverable. I also tried calling the number listed on the report but to date it is disconnected. Despite having informed XXXX by letter and phone calls about the problem with the address and phone number, the accounts remain on my report and I have no way to have the information validated.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports. 
On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX, GA XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Didn't receive enough information to verify debt

There was a Company name Receivable System Inc. sent notice to me on XX/XX/2019 to pay 1 Company debt. I requested that company to first show me the evidence that what evidence they have that I want to pay the debt to the company. And I informed this also that within 30 days they won't need to touch my credit report and if they touch it I can take some action under them if I see if negative item. I can give them 30 days to investigate and sent me to result in the mail. 

It's been 30 days and more they didn't send me to investigate result and placed their name in my credit report as a collection agency. 

So I want to report their name to CFBP to help me solved that problem. 

Thank You, XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Suddenly on credit reports, no written information.
Complaint sub-issue: Account status incorrect

After paying off a personal loan through UPGRADE Inc. They started emailing me about another loan & possibly a review. I was too busy but had planned to do a Review possibly. That next week or 2, I received an alert of a new account from UPGRADE INC?? They had REPORTED a New Loan and a Balance even larger than I Had Recently Paid IN FULL. I called them - they kept me on HOLD for an hour & hung up. I emailed them. I disputed.... I soon received an email from a " SUPPORT '' Department. After Refusing to Write a Review because My Account AND Credit has gone through Turmoil w this Company just for Retaliation. After I refused - I received an alert that My Credit Score had dropped 48 points because UPGRADE has Now Fraudulently Changed My History DRAMATICALLY from 98 % to 50 %!! I am a 100 % XXXX XXXX XXXX, and this has been beyond stressful. All because I wouldn't Review this Company? They hung up on me so many times, I had to go this route.
Complaint sub-issue: Their investigation did not fix an error on your report

I SUBMITTED MY DISPUTE BACK IN XXXX OF XX/XX/XXXX AND IT IS NOW XXXX AND EQUIFAX HAS NOT UPDATED MY REQUEST. THIS IS A PROBLEM BECAUSE I HAVE BEEN WAITING FOR 3 MONTHS FOR MY RESULTS.
Complaint sub-issue: Problem with fees

US Bank failed to refund XXXX in fees and interest to my XXXX XXXX following purchases that were disputed and ultimately refunded by the merchant. 

US Bank has harrassed me without any legal grounds by sending constant past due notices when US Bank, in fact, owes me money.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Americollect. I did not open or authorize the accounts that you report a balance of {$750.00}, {$68.00}, {$56.00}, and {$56.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Complaint sub-issue: Account information incorrect

Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$2100.00} on the XXXX XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account needs to report a {$0.00} balance. I settled this account and have attached documentation showing the account has been settled and there is no outstanding balance due and therefore nothing to collect. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX XXXX AND XXXX XXXX XXXX HAVE 2 XXXX XXXX CREDIT CARDS. WWHEN APPLYING FOR THE CARDS THE CREDITOR PULLED ALL 4 BUREAU 'S ( XXXX, XXXX, EQUIFAX & XXXX ). SEE ATTACHED.
ON OR ABOUT XX/2015 THESE 4 ACCOUNTS CEASED TO REPORT ON XXXX.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have a discover card that was opened with a credit limit of XXXX in XXXX of XXXX. I have never missed a payment on this account or any other account since this was opened. Since XXXX of XXXX I have bought a house, refinanced, as well as opened new accounts since XXXX of XXXX. 

Today XX/XX/XXXX I went to see if my last payment had posted to my account. To my surprise it said I only had XXXX available and my credit limit was XXXX. I thought my account had been had or it was a mistake. I contacted discover to only find out they had supposedly reevaluated my account and changed the limit to basically the balance on the card ( XXXX ). Please note I received on new statement on the XXXX stating my limit was XXXX, but they said a review also done on the XXXX and they adjusted to XXXX. 

This was done for 3 factors according to them - only pay miminum or close to the minimum - new accounts - seeking credit I have talked to the agents twice and it was stated there was nothing they could do. I can understand not increasing my limit but decreasing it to make it appear as the card was almost 100 % maxed out is ridiculous. This will affect my credit score for reducing my available credit as well increasing my credit usage. My credit score should not be dropped when I have done everything to keep this account and every account i have in good standing. This will have detrimental effects on my credit that I will have to find other ways to over come because of this shady business practice. 

If my life is never supposed to change to maintain a credit limit then this should be advised. Never mind during the middle of a Pandemic, this practice should be illegal as it significantly reduces my ability to ward off any financial hardship my family may face at this time.