Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I received a new auto policy for the year XXXX-XXXX, In the new policy it stated that there were four items that address my new auto cost and why they increased my policy. first of all, I been with this company for over 15+ years. I started in XXXX California and moved to XXXX XXXX 3 1/2 years later. I never been late with my payments or anything else. But for some odd reasons This third party bureau has decided to report Old information, inaccurate information and false information to my Auto insurance company. 
Secondly, I had spoken with LexisNexis consumer center several times in the past and future and told them orally and verbally that I would opt-out with there company and I placed a account freeze on my file. ( FCRA ). And they still provided information to " LexisNexis ''.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX a payment was made to Discover Card for my credit card using my XXXX XXXX XXXX  Checking Account. This payment came back returned on XX/XX/XXXX and had not left my checking account. I called discover that day and was informed that the payment was returned and the reason was unknown and I should contact the bank. 

I then reached out to my bank who informed me that no payment attempt had been made and there was no record of it and to contact the merchant discover card for more information. 

I reached back out to discover card on the same day and continued to try get answers but could not get an answer other then to reach out to my bank again. 

By this point discover had already reported to my credit report that my payment was late damaging my score and causing a late payment mark and higher balance on my credit report. 

After lots of back and forth on the same day I made the payment again this time using a different checking account and asked discover to remove the negative information from my credit report as this was an issue between discover and the banks and not my fault as I had made my payment on time in the XXXX. They said that no one was able to do that and there was nothing I could do to fix it.
Complaint sub-issue: Problem with customer service

Visited home depot store, purchased {$3400.00} worth carpet and shop for credit card. It approved and till this date have not got any information/mail from bank. Every time calling them and getting to know account in review and not able to provide support or do anything at all. Credit card is from citibank. Within week got email that my statement and balance is due where bank is unable to provide me single paper or contact number from where to get my details. But telling me i can still make payment. Such a crazy logic. I have excellent credit and already dealing with 7 to 8 different credit card companies and banks. No body has this kind of service and really bad internal controls setup which are not helping customers and also not making any sense in banking.
Complaint sub-issue: Information belongs to someone else

I have submitted more than 15 pages of documented proof to Equifax that an account reporting on my record is fraudulent. I have also submitted 2 FTC Identity Theft reports along with substantiating proof to have Equifax block the account from reporting on my record. It is a loan from a non-US based bank in XXXX XXXX/ XXXX XXXX XXXX a balance of appx. 50k. I have been disputing the fraudulent account with Equifax since late XXXX / XXXX XXXX, and they continue to irresponsibly state the information will remain on my credit report. 

After continuous disputes, Equifax remains to ignore my federal rights per FCRA governing statues and continues to dismiss my claim of fraudulent activity. XXXX has contacted Equifax on my behalf to also block the account. 

Additional steps I have taken have been to put a fraud alert across all three CRAs to protect the integrity of my credit report. However, even still Equifax continues its abusive practice of deliberately and maliciously reporting the fraudulent account. After in depth consultation with my attorney, I've exhausted all of my available resources and am now filing a formal complaint with CFPB before moving to take aggressive legal action for damages/ punitive damages to my person.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone applied for credit and my information was ran 9 times on my equinox, XXXX XXXX and XXXX credit report.
Complaint sub-issue: Information belongs to someone else

This correspondence is in response to your recent claims regarding the below accounts that you verified although I've informed you that they are nothing to do with any transactions by me.
Complaint sub-issue: Application denied

I am the consumer, natural person and original creditor. Discover Bank has denied me my right to credit as I applied for a Discover Credit Card account on XX/XX/2022 initiating a consumer credit transaction the application number is XXXX. Pursuant to XXXX XXXX XXXX ( k ), Discover Bank also discriminated against pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my right to credit by making an application pursuant to 15 USC 1642 and since the letter you sent me on XX/XX/2022 which is an adverse action is both proof and evidence that I have been discriminated against, you are criminally liable. pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I which is another violation pursuant to 15 USC 1602 ( p ) unauthorized use of my credit card which congress defined as ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. so that right there means the consumer provided Discover my Social security Number which is defined a credit card and I received no benefit. Discover Bank also failed to disclose to me that a finance charge was involved. Pursuant to 15 USC 6802 I am exercising my right to privacy and hereby OPT OUT of sharing of my nonpublic personal information to consumer reporting agency.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Account to be removed : XXXX XXXX & XXXX # : XXXX
Complaint sub-issue: Account status incorrect

Account name MACYS/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$810.00} ccount name MACYS/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly Payment {$0.00} Credit limit {$300.00} Highest balance {$700.00} Terms NA On record until XX/XX/XXXX I paid off my debt and it is still showing as charged off but it shows that I paid it off. I reached out to Macy 's multiple times and they keep saying they will remove this from my account and nothing has happened.
Complaint sub-issue: Investigation took more than 30 days

My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent to, authorize nor benefit from any of the following Inquiry. BLOCK AND REMOVE.

I recently reviewed my credit report and found unauthorized inquiries. These inquiries are Fraudulently.

I personally reached out to the below creditors and asked them did they have a verbal or signature on file of me as the original creditor and consumer giving any authorize of my credit card ( my Social Security card ) to be used or ran for any of these unauthorize inquiries, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose, which is in violation of 15 U.S. C. 1681b.

According to Section 604 of the FCRA, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following Inquiry are unauthorized : Block and Remove
Complaint sub-issue: Other problem

I am concerned about Citibank 's recent business activities to punish their customers for their lawful business activities with regards to transactions involving firearms production and distribution. Citibank has announced it will no longer do business with companies that do not implement a host of policies promulgated by various gun-control organizations. This amounts to discrimination against people engaged in lawful commerce protected by the Second Amendment.

Although, I have already cancelled my accounts with Citibank, I am still harmed, as are all Americans, by Citibank 's attempt to circumvent the democratic process and impose a radical gun-control agenda by the sheer force of its market share. It is particularly galling considering that Citibank took an enormous bailout from American tax payers not too long ago.
Complaint sub-issue: Problem with personal statement of dispute

Discover is reporting to all the credit reporting agencies that the line of credit is open, available for use. Its showing {$1400.00} available ; however they had suspended my account years ago with no immediate plans on opening it, so I technically dont have access to those funds.
Complaint sub-issue: Debt was paid

I was in a car accident on XX/XX/XXXX and received services from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX billed my car insurance company XXXX XXXX {$1500.00}. XXXX XXXX allowed {$650.00} and paid {$520.00} leaving a deductible of {$130.00}. XXXX XXXX also submitted the charges to health care insurance XXXX XXXX XXXX XXXX XXXX which allowed only {$280.00} of the submitted charges of {$1500.00}. XXXX XXXX paid -0- and determined that I did not owe the provider because the other insurance ( XXXX XXXX ) paid more than the allowable amount. It should be noted that XXXX XXXX was a participating provider. Remex, the collection agency hired by XXXX XXXX is claiming that they are refusing to comply with the insurance determination and require full payment/ {$1500.00} to be paid. Their records show that the insurance company made 2 payments of {$520.00} and {$560.00} on XX/XX/XXXX leaving a balance of {$410.00}. My issue is that credit bureaus are not verifying the debt fairly. Supporting documentation submitted by me was not reviewed and/or taking into consideration. The bureaus are leaving it up to the debt collector to decide if they want to accept the information. Their process allows debt collectors to harass and threaten consumers and force payment that they are not entitled too. My credit score has been substantially affected by this debt and I am being force to pay a debt I do not owe if I want to improve my score. I have been harassed, threatened and punished by the collection agency and credit bureaus.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/18 I sent a notarized written request through certified mail for an unverified account that was showing on my credit report with XXXX XXXX through XXXX XXXX. In this request I asked that they either send me ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA -or- to promptly delete all information which can not be verified> I was sent a response dated XX/XX/18 saying VERIFIED AS ACCURATE. ON XX/XX/18 I sent another request and this time asking who verified it? On XX/XX/18 I received the same response ( VERIFIED AS ACCURATE ) ON XX/XX/18 I sent a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 provided that they are unable to verify the account or promptly remove it to XXXX XXXX and yet again received a VERIFIED AS ACCURATE letter again on XX/XX/18. On XX/XX/18 I sent a certified letter directly to XXXX XXXX asking that they validate money I allegedly owed, how said debt was calculated, copies of any paperwork that showed I agreed to pay debt, provide a verification or copy of judgement if applicable, Identify original creditor, prove statute of limitations has not expired, etc ... I never received anything back from them. On XX/XX/18 I sent out another letter to XXXX XXXX stating that I had given them 30 days to resolve this matter and would extend for another 15 days otherwise I was filing suit against them for monetary damages. I sent a letter to XXXX  XXXX stating that because this was a clear case of unverified debt that I would also file suit and report this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with Equifax regarding 2 accounts with XXXX XXXX XXXX in the amount of {$970.00} and {$59.00}. On XX/XX/XXXX Equifax advised me that their dispute was complete and the account was verified. On XX/XX/XXXX I contacted the creditor in an attempt to find out additional information about this account. We attempted to located the account using my ss #, dl, address ( old and current ), phone number, account number listed on Equifax report, and name. After searching for the account well over 30 minutes without finding any accounts, I disconnected the call and called back to speak with another representative who was also unable to locate an account using the information provided. I then requested to speak with a supervisor because again Equifax claimed the account was verified and I just wanted to get it resolved. After speaking with a supervisor, who was also unable to locate an account, she requested that I fax over the documentation provided from Equifax. I immediately faxed over the documentation and followed up on XX/XX/XXXX. I was then notified that no account was able to be found. I then asked to fax some letter over to equifax advising that the account does not belong to me and of course they were unable to do that. 

I contacted Equifax again on XX/XX/XXXX and XX/XX/XXXX and requested proof or any documentation provided to confirm that this account in fact did belong to me. I explained to them that after multiple phone calls with the creditor I was unable to verify or locate an account. After speaking with the representative and supervisor I was told that they were unable to provide any documentation that states they are required to validate debt. How am i to resolve an account that does n't exist with the creditor? How is it that Equifax allegedly verified account but the creditor is unable to locate the account?
Complaint sub-issue: Debt is not yours

Pro Collect, Inc out of XXXX Texas listed a collection that I knew nothing about and is not mine. {$2700.00} on XX/XX/XXXX. They have my social security number and can't or won't explain where they got it from. I talked with them on XX/XX/XXXX about this issue. They're not telling me who submitted this information to them so I'm not able to contact the creditor to dispute .t. I disputed it to all 3 credit bureaus and XXXX was the only on that didn't remove it from my file. They stated that Pro Collect Inc said the information was correct. I know nothing about this.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account below is still reporting on my Credit Reports and need to correct immediately :
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XX/XX/2020
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I was on XXXX XXXX military at XXXX XXXX AR when I got an XXXX XXXX XXXX   phone in XXXX. For the first several months I was charged for roaming charges. Each month they would take the charges off. About 4 months later I was moved to XXXX  XXXX XXXX in XXXX XXXX. I had so many issues involving my bill and coverage I talked to XXXX XXXX XXXX  and because I was XXXX XXXX they said I would be released from the contract. On XX/XX/XXXX I find out my check has been garnished by XXXX XXXX. I called XXXX  XXXX XXXX n they all tell me the account was closed and not sent to collections. XXXX refuses to send me the Inormation about the judgement and say my debt is now {$6000.00}!!! That's a 4 month phone bill. I find out that they served the papers to my father and we didn't even live in the same state. They refuse to take my calls or answer emails. I have sent a request for all information that is required from them by law. They have not responded in a timely manner or at all. They continue to garnish 25 percent of my net paycheck even though Oklahoma law allows only 15 percent for head of household. I. Sure that this is judgement is in no way right or fair. XXXX XXXX have multiple lawsuits for fraudulently obtaining judgement including not giving notice, fraudulent evidence, inaccurate debt amounts and information, statue of limitations. They also were indicted XXXX vs Asta funding on RICO act, and lost class action. Please help me. I am a father of XXXX children and a wife all depending on my support. This is allegedly from 13 years ago
Complaint sub-issue: Lender trying to repossess or disable the vehicle

My husband and I bought a vehicle from Smart Auto in XXXX ( XXXX XXXX - XXXX - XXXX ). Due to the pandemic I was unable to maintain the payments and the lender offered no programs to assist those directly impacted by COVID, in turn the vehicle was repossessed in approximately XX/XX/XXXX ( I do not know the exact date ). The vehicle was sold at auction shortly after. In XX/XX/XXXX, I received a o letter from the XXXX XXXX XXXX  XXXX for outstanding parking tickets. After reviewing the images online from the ticket I noticed it was the vehicle that had been repossessed XXXX years earlier ( XXXX XXXX ). I have made multiple attempts to contact smart auto however, they will not return my calls or messages and I now have a warrant for a vehicle I have not owned in XXXX years. I'm simply looking to obtain documentation showing when they retook repossession of the vehicle so I can clear the outstanding tickets/warrants.
Complaint sub-issue: Used obscene, profane, or other abusive language

Threatened to send my information to the IRS, insinuated that I could go to jail, had private investigators looking into me, kept telling me I was paying for their lawyers.
Complaint sub-issue: Didn't receive enough information to verify debt

The aforementioned credit collection agency representing " XXXX XXXX XXXX '' has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this debt. If " High Desert Creditors '' does not have any documentation, they need to retract this from my credit file immediately. I disputed this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I also did disputes via phone within the last 8 months. These accounts are also listed as duplicates on my XXXX  report. High Desert Creditors amount {$XXXX} and {$XXXX