Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

XXXX has been discharged previously and post discharged inform not reflected on my credit report. 

The post discharged has been going on for over three years now.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Problem with personal statement of dispute

THIS IS IN REFERENCE TO MY ORIGINAL COMPLAINT WITH GREAT LAKES # XXXX, I am appealing their decision based on the letter I received yesterday from them.. 

I '' m attaching documents that is already received by Great lakes but am emphasizing details on the documents. I do understand I 've submitted +2000 pages if not more to Great Lakes and it 's not easy to follow. 

All complaints I 've submitted to the CFPB which are stated below are all connected and related to my Identity theft which originated in XXXX XXXX or XXXX, ia XXXX. Which the 3 financial institutions in XXXX are XXXX XXXX, XXXX, and XXXX XXXX, and all are still pending an open investigation by the FBI and SEC. 

I '' m restating that all cases or investigation can not be closed until FBI and SEC Concludes their investigation into my Identity theft which started in XXXX and is still continuing to this day. 


XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) GREAT LAKES Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan 3 ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number XXXX Date XXXX XXXX ) XXXX XXXX Complaint number ; XXXX Date submitted to CFPB : XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX XXXXOPEN Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX I have previously contacted your company about this account XXXX XXXX  XXXX  with account # XXXX and this account was deleted from my file and did not show any more. I am writing because upon checking my account again, this account has been relisted and reasserted to my credit file and I was never notified of this being relisted with credit agencies. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent.

This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi CFPB, I will like to file a complain about XXXX XXXX and Equifax, I requested an unrecognized inquires on my credit report and they refused to remove it for the past 3 months. 

This is really hurting me and my family and its affecting me from getting credits from other creditors due to too many inquiry in short term. 

i have sent three letters back to back telling them to please remove the inquiries and provide me an evidence of permissible purpose, but none of them have taking any actions. 
They kept telling me its verified. 

This is violating my right as a consumer and putting me emotional distress and i will like them removed immediate. 

Here are the list of inquiries under each buraus XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX / XXXX - XXXX XXXX, XXXX Equifax XXXX/XXXX   - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX Kindly help please
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have had an account with Sears Citibank since XXXX. Per XXXX XXXX as of XX/XX/XXXX, I have 100 % on time payments and have never gone above my credit limit. My balance of {$1400.00} is part of a promotional deal which ends in XX/XX/XXXX. I am current on my payments to this account. I have discovered that Sears lowered my credit limit from {$2500.00} to {$1500.00} and currently lists my account in default on their website. Sears Citibank says the credit reduction was based on information from XXXX. My current credit score per XXXX is XXXX, XXXX is XXXX and my XXXX score is XXXX. 
I did run a high credit balance over the summer as I was making repairs to a home I was moving into as well as to the home I was selling. My mother had been living in my first house and paying rent until she passed away earlier in the year. I decided to sell a townhouse I purchased in XXXX and move back to my original home. All of my credit cards except for Sears Citibank and a revolving amount of XXXX were paid off the day of my closing, XX/XX/XXXX. I am in the best financial position of my life and yet on XX/XX/XXXX, Sears Citibank decided to lower my credit limit causing me to LOSE points on my credit scorXXXX. 
Note : I actually lost XXXX pts from XXXX on XX/XX/XXXX after paying off my second house mortgage as well as my largest balance credit card on XX/XX/XXXX. XXXX in comparison did lower my score XXXX pt upon paying off my second house mortgage but updated in the following XXXX weeks XXXX points and SYNCB/PAYPAL actually increased my credit limit {$500.00} per the XX/XX/XXXX XXXX report. It took XXXX until XX/XX/XXXX to increase my score XXXX points and again XXXX points on XX/XX/XXXX. 
I do not feel it is fair XXXX XXXX lowered my credit limit nor am I satisfied with XXXX reporting. Clearly, there is a disconnect. I currently have only $ XXXX of debt, of which $ XXXX is a mortgage on a home worth at least $ XXXX, nearly perfect payment history ( I did have a few issues with XXXX in the past which was related to their website, not my ability to pay, but I am not disputing ), $ XXXX in credit available with less than 15 % utilization, yet XXXX XXXX feels the need to lower my credit limit from {$2500.00} to {$1500.00}! Something is wrong with this system!
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Right to dispute notice not received

I have on my credit report a collection item for {$200.00}. It shows MG Credit. I am requesting to be provided with a notice with my right to dispute the debt or request validation. I do not know what this item is for. this is in violation of the FCRA. I was never contacted in any way and I want a complete validation to be sent to me showing that I owe this amount and what the amount is for. A breakdown of how the charges came to be {$200.00} and that I agreed to pay this amount. While this account is in dispute it must be removed and proper notification be given and complete validation
Complaint sub-issue: Old information reappears or never goes away

Here we go AGAIN with XXXX XXXX, XXXX, and XXXX, otherwise known as XXXX, Equifax, and XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.
Complaint sub-issue: Debt is not yours

Under florida law I am not liable for this debt. Law Enforcement was supposed to notify all my utility companies I was XXXX as that's their responsibility, not mine. I was XXXX and spent roughly 4 years XXXX  between federal prison and the XXXX Florida state hospital. All telephone, electric, internet, and all other utility bills are automatically legally supposed to be cut off the moment an individual is XXXX  and charged with a crime. I was XXXX and charged XX/XX/XXXX and released XX/XX/XXXX and then XXXX being XXXX again against my will on XX/XX/XXXX - XX/XX/XXXX. This debt is not my responsibility. I have not resided at the address of the debt since XX/XX/XXXX.
Complaint sub-issue: Frequent or repeated calls

None of the options above fit my complaint ( had to pick one ). BC Services debt collectors, used my name on a message to get me to call them, and then when I called the representative asked about a debt for some one else, who I do not know! When the representative looked at some info. after I confirmed my phone number, she said there is some information about you. I said what info. and she said I need your DOB. I said I would not give her any more info., as her company called me. 

She said, then we will send this in the mail. I said what info. are you talking about. She said, I need your DOB in order to give that info. to you. Again, I said you called me. Conversation ended, and to say the least, the tactics and practice used by this debt collector is not acceptable. 

Do n't use my name and then make it sound like you have some dirt on me in order to get me to give you more information!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Never gave authorization ( s ) to pull my credit nor gave permission to pull a hard inquiry ( ies ) on my account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX took out a hard inquiry on my credit report. I did not authorize or give any consent for this company to run my credit. This is a shady pay day loan company
Complaint sub-issue: Didn't receive enough information to verify debt

I have yet to receive anything on this debt when I logged into my XXXX.com account and see a collection for it.
Complaint sub-issue: Information belongs to someone else

North American Recovery # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The North American 's original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX apparently was given my closed XXXX account to collect a Balance. At the time we switched to a much less expensive service I personally verified that there remained no open balance on the account. We were later sent boxes to return XXXX XXXX 's equipment which was also done. 

I was notified of a drop in my credit score which was abnormal. My score hovered around perfect and had suddenly dropped by over 100 points despite my having no unpaid balance other than my mortgage and no late payments. I found XXXX  XXXX on the credit report as an account in collection for {$750.00} and in small print a notation re XXXX XXXX. I submitted a dispute through XXXX. They closed the dispute saying XXXX  XXXX had certified it was proper. However if looking at the XXXX report today there is no longer anything shown for XXXX XXXX. I also checked XXXX  and did find XXXX XXXX. I've spent a lifetime making every effort to keep a high credit score and to be negatively impacted for a debt I don't owe just seems criminal.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company  name. This is a nationwide company I am speaking of. The company is XXXX formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.
Complaint sub-issue: Information belongs to someone else

CONTACTED CREDIT REPORTING AGENCY VIA USPS CERTIFIED MAIL ON XX/XX/20 ABOUT INCORRECT INFORMATION ON MY CREDIT REPORT. AND CREDIT REPORTING AGENCY DID NOT REMOVE OR MAKE NECESSARY CORRECTION.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 The following accounts on my credit report are not accurate.

CREDITOR NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX** CREDITOR NAME : XXXXXXXX  XXXX  NUMBER : XXXX
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: Their investigation did not fix an error on your report

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency

asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Complaint sub-issue: Debt is not yours

I received a debt collection letter from afni, Inc. for money owed to XXXX XXXX XXXX. 
I do not have an XXXX XXXX XXXX  account. 
I am not behind on my bills now and never have been behind on any bills in the past. 
I am turning XXXX years old next week, and other than a small car payment, I am debt free. 
I do not have an XXXX XXXX XXXX account. 
There is no way that this is my debt. 
I believe that this is a scam.
Complaint sub-issue: Their investigation did not fix an error on your report

I checked my credit score status in XX/XX/XXXX and it shows a closed credit card account from XXXX  XXXX XXXX. I have never opened a credit card, checking or savings account with them so I called their 1800 number and they couldn't find me in the system with my SSN # but they found me with my name last name and date of birth with a different social security number I dont recognize because it doesn't belong to me. The ssn # I provided when my information was being verified didnt match with the one they have in their system. I dont understand how is going to affect my credit if they dont even have my SSN # in their system, Why they didnt report it using the ssn # that person used in XXXX?. I wasnt even living in XXXX back in XXXX I came from XXXX XXXX in XXXX. 
This only was reported to Equifax, It was never reported to XXXX or XXXX. I have been submitting several fraud disputes with Equifax since XX/XX/XXXX and every time the dispute gets completed they state that XXXX XXXX XXXX is saying that the item belongs to me. How the Item is going to belong to me if XXXX doesnt even have my SSN # and every time I call XXXX they state that it shouldnt have been affected my credit score because my social security number was never used to open an account with them. My SSN # is not being used to open accounts with credit card companies or banks, only my name and date of birth was used to open the account with XXXX.. 
I dont think Equifax is trying to help me. Every time I talk to agent from Equifax they sound like they dont know what they are doing and also they can never answer my questions. 
This is affecting my credit and I need to get this resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

Failed to comply with the FCRA provisions regarding blocking accounts that resulted in ID theft. Also refused to acknowledge the FTC report as well as the FTC as being an " enforcement agency ''
Complaint sub-issue: Information that should be on the report is missing

According to 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I demanded this be removed immediately. I have already filed litigation concerning this matter.