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

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 instruction.
Complaint sub-issue: Debt resulted from identity theft

I was originally contacted by a XXXX debt collection agency in the fall of XX/XX/XXXX for payment of phones, services, etc for approximately {$1400.00}. I opened Case number : XXXX and thought the issue was resolved until a received another notice from a different collection agency used by XXXX today, XX/XX/XXXX ( a year and a half later ). I have never done business with XXXX and need your help to make them stop hiring companies to harass and threaten me with bad credit, etc. It is unfortunate that they sold devices to persons unknown but my suggestion is that they vastly improve their vetting/authentication process before giving phones to strangers. 

Thank you, XXXXP.S. I do n't really view this as " identity theft ''. I view this as XXXX making a foolish sales decision.
Complaint sub-issue: Problem during payment process

I have a discover credit card and on XX/XX/XXXX I send a payment of XXXX to pay a balance that was due ( XXXX ) in XX/XX/XXXX because after that date is going to increase the interest from 0 % to 24 % .I call them and explained the way that I want to apply my payment.They received my payment on XX/XX/XXXX and They didnt apply it and after XXXX XXXXThey are charging me XXXX dollar a month on interest for that amount ( XXXX ), I call them in the begging of XXXX and explained everything and They told me that I dont have any decision the way that payment is applied, that They decide it. 
I feel They are using a excuse to rip me off with the interest. Can you please help me
Complaint sub-issue: Reporting company used your report improperly

The complaint is in reference the accounts of : XXXX XXXX XXXX which was closed XX/XX/XXXX with a balance of {$3600.00} and XXXX XXXX XXXX a collections account for {$3100.00} I had could not keep that account open during COVD and could not make any payments. I continued to receive calls and letters from the company even after i had expressed my situation. This was removed from my credit report and XXXX XXXX showed up with a different balance. I disputed this not knowing what it was and then XXXX XXXX showed back up on my credit reports again along with XXXX XXXX  that would not quit sending me letters until i had a 3rd party send a response. XXXX XXXX had was not reporting to all 3 bureaus until it was disputed and removed and now they are reporting again.

According to the law, my credit is supposed to be private I did not give either one of these companies permission to put this information on my credit and had a third party send a letter accordingly. The both reported that they meet the fair credit reporting act with no other response.

[ 15 U.S.C. 1681 ] The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX was in communication with me and 3rd party letters when they sold this debt to XXXX. 

Again, i have given neither one of them permission verbal or written to share my information. All of my information and the letters of communication they sent is with Dispute my client. I forwarded it all to them, but they only work on things for 1yr. Meanwhile i still received calls from both of these companies but declined to answer. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed. 
XXXX XXXX also shows on my XXXX report that I went from a {$3100.00} balance in XX/XX/XXXX to XXXX $ balance in XX/XX/XXXX. This is different from the other reports and different from the last time they reported. Which would state i had paid it. I did try to work with them during COVID, but was not able to comply to their terms since i had no job per the government. ( I am a massage therapist ). I had their insurance on my account that i paid for monthly for just such a situation, and they said that it would only a few months of payments and that they would still report me as bad credit.

IF you need stacks of documentation, too numerous to upload, I will have Dispute my credit send you my files.
Complaint sub-issue: Information is not mine

I have informed the credit bureau of my intentions to move my name change towards a recent address update, and that is the only reason that my credit score is not important to the current bank account under question. I have undergone a name change, and my information is currently being used towards a XXXX account in remaining open, while I am unable to access it, due to a confiscated card, within a XXXX situation. To this end, I have contacted the bank, wherein they have stated that I have no legal right to the account. Having made all necessary contacts, I have not seen any improvement, and my credit score has plummeted. At this time, the account remains attached to my SSN, and the identity theft of my information and the situation that has been used for the improper access to any credit report. 

IN ADDITION, I have placed a security freeze on my account, wherein the confirmation number is inaccessible. I have contacted my bank, which stated there was no credit freeze. After investigation, I realized my account information was endangered by this creditor, XXXX. Please remove the account and make a complain about the situation and remove my name from the attached person 's name, in the following police report, XXXX XXXX XXXX. This breach occurred through a stolen ID. 

The account is attached to the current primary account owner, but as stated, I removed my name, but my SSN remains attached, which is XXXX. I would like all attached information to be mailed to me during the following month, as my statement in this matter can eradicate all imposed charges to his name. Otherwise, legal action will be required to discuss the matter. I would much rather invest my time into the XXXX at the XXXX, INDIANA location at XXXX XXXX. Thank you.
Complaint sub-issue: Debt was result of identity theft

They company contacted me while i was at my place of employment without prior given consent about an alleged debt of my recently passed over father. The company agent XXXX ( employment id # XXXX XXXX stated that they are a third party debt collector and this was an attempt to collect a debt. I know firsthand that i never gave this company my information or approved any institution to distribute my information to this company. This is a violation of many laws protecting my rights as a consumer as well as my right to privacy. Below is a list of the direct violations under federal law according to Title 15 U.S.C.1692 15 U.S.C. 1692b ( 5 ) 15 U.S.C. 1692c ( a ) 15 U.S.C. 1692c ( 1 ) & ( 3 ) 15 U.S.C. 1692d ( 5 ) 15 U.S.C.1692e ( 10 ) This company is aware of the civil liability they have under 15 U.S.C. 1692k.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

THIS SO CALLED " ATTORNEY FIRM PROCEEDING DEPT '' XXXX IS RUNNING A SCAM OR FRAUD CALLING PEOPLE ABOUT OLD DEBTS ON THEIR OFFICE DEPOT ( IN MY CASE ) CREDIT CARD ( OR OTHER CREDIT CARDS ) THAT HAVE BEEN ALREADY DISCHARGED IN BANKRUPTCY COURT YEARS AGO ( MY CASE IN XX/XX/2013 ). 
THEY START BY ASKING ME MY NAME AND LAST 4 OF SS NUMBER AND THEN THEY SAY I HAVE AN OUTSTANDING DEBT OF {$3600.00} OR SO ( THE SAME AMOUNT THAT WAS DISCHARGED IN COURT ) AND THEY ARE DOING PROCEEDINGS TO COLLECT IT AND THREATENING TO TAKE ME TO COURT. 
I HAVE ALL PROOF THAT THAT DEBT WAS DISCHARGED AND THEY KNOW IT BUT THEY ARE FRAUDULENTLY TRYING TO COLLECT IT DESPITE THE DISCHARGE TRYING TO CONFUSE YOU INTO THINKING THE DEBT WAS NEVER DISCHARGED. 
YOU SHOULD TRY TO REVERSE LOOKUP THAT PHONE NUMBER ( OR WITH THE PHONE COMPANY ) TO GET THE LOCATION OR ADDRESS OF THAT OFFICE AND NOTIFY THE STATE ATTORNEY TO ARREST THEM. THIS IS A TRUE SCAM AND FRAUD ATTEMPT TO ROB YOU OF YOUR MONEY.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have requested the removal of fraudulent/unauthorized inquiries with Equifax many time. These inquiries are damaging my credit report and opportunities to obtain credit. 
These inquiries have been removed from my XXXX & XXXX   report. I am now requesting Equifax to remove these inquiries.
Complaint sub-issue: Account information incorrect

XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Complaint sub-issue: Threatened or suggested your credit would be damaged

I got multiple calls and messages from a company name I.Q. data International about a debt they purchase from another company that claims I owe them money they obtain my private information called my ex wife and family members even my old job looking for me after I told them I didnt make any business with them or gave anyone permission to give out my information but have reflected negative information with the 3 credit bureau that has affected my credit.

They claim I owe them {$17000.00} and it keep going up every month. They reported to the credit bureau on XX/XX/2018
Complaint sub-issue: Debt is not yours

I had two Discover credit cards XXXX and XXXX, which I stop using due to them NOT following Federal court orders. I would authorize {$100.00} payment from my bank to them It turn into {$1000.00} to {$10000.00}. My bank will not transfer any amount over {$100.00} due to Discover trying to take more money they authorized. Discover also transferred money from my other charged cards with out my Authorize! The problem is that they been charging my cards the amount that they try to steal. From before 2012 to the president Discover has been ordered by the Federal court to stop this. They set up fake account and transfers money into it from most of the time seniors cardholders. Sorry for all the complaints I am a XXXX XXXX era Veteran being treated for among others problems XXXX XXXX by the XXXX hospital. I have forget a lot of the illegal actives that Discover has done to me these past 7 to 8 years!
Complaint sub-issue: Their investigation did not fix an error on your report

They said they contacted the mortgage company and gave them only the relevant information my complaint. and the company said they would update as necessary. I have not seen anything in writing with my name on it between myself and this company. no inquirers nothing. all I asked them to do is show me something in writing.
Complaint sub-issue: Account status

Equifax is reporting inaccurate info on my credit file from XXXX XXXX XXXX. I have disputed this negative info for the past couple of years and provided supporting documentation yet nothing has been done. They are reporting late payments for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX which is n't correct. I have attached file to support payment history.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX - XXXX XXXX Balance : {$3200.00} XXXX XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1700.00} XXXX  XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$520.00}
Complaint sub-issue: Other problem getting your report or credit score

I can't access credit karma any longer.
Complaint sub-issue: Account status incorrect

CITIBANK shows supposedly late however no phone calls, emails, or mail with a " late '' status to try and remiediate. i called yesterday XX/XX/2022 and they told me no late fee had been assessed and to call the credit company because they couldnt do anything.
Complaint sub-issue: Was not notified of investigation status or results

I have been writing dispute letters to the credit bureaus since XX/XX/2020 and asking for verification why they keep reporting on my credit report. However, they have failed to obtain as mandated by law proof of such debts. They have continued to report erroneous information about me. Therefore it is quite obvious that they have deliberately violated my rights in more than XXXX way which is punishable by law
Complaint sub-issue: Problem getting your free annual credit report

I have contacted XXXX and asked to find out why my credit report was denied. I got reply saying they will contact me by mail. I told them I will send out one more request for up dated report copied sin and provincial card both front and back tones of times. All I keep getting is your request was denied. This is ticking me off. I have paid XXXX XXXX every month for XXXX XXXX and XXXX XXXX now XXXX XXXX. I got other agencies on report as well. I need to know if the XXXX and XXXX XXXX have been reported of payments since credit XXXX has allowed me on program. Thanks.XX/XX/XXXX18 sent mail out again asking for up dated request please send out asap thanks when gotten :
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I submitted dispute and they have failed to inform me of the investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over 4yrs.
Complaint sub-issue: Account status incorrect

XX/XX/2020 my car loan with XXXX XXXX  was reported as closed, lowering my score 75 points across all reporting agencies. XX/XX/2020 my credit was reported correctly with the information updated to reflect that my account was still current and open. I am still paying on this loan. As of XX/XX/2020, the account closed again and my credit dropped. I filed disputes in XX/XX/2020 with all 3 agencies and have called XXXX XXXX  multiple times with no resolution. Due to this, I am no longer eligible for financing for a mortgage loan. I am filing another dispute with all credit agencies in order to get this fixed.
Complaint sub-issue: Was not notified of investigation status or results

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX {$320.00} Open balance XXXX XXXX XXXX  Original creditor 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.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

My unemployment is paid via the US Bank relicard and they ( US Bank ) have frozen my account and informed me ( after a phone call from me ) after finding out while checking out at the grocery that i have been randomly chosen due to " a massive fraud investigation " to have to prove my identity not by showing up in person but rather faxing them a copy of my State ID, Social Security card, and 2019 W2 forms in which i reluctantly did only for them then tell me it would be 10-15 days to review what i sent in. After 10-11 days later i checked my card and it was still frozen, my unemployment check went in but i could not take anything out so i called again to be informed that what i sent in ( exactly what they asked for ) was not sufficient, no reason on why just not sufficient and on top of that i was told by US Bank relicard operator that there is know way for them to find out because it was there " offline '' fraud leasion team and there is no way of contacting them. So i recent the papers a second time and waited 10 more days to then be informed that " my paycheck stub was from XX/XX/2019 and they couldn't accept anything older than XX/XX/2019 '' in which i replied that i have not sent them any paycheck stubs i sent my W2 's like they asked. after an absurd amount of time on hold i was told to re fax my w2 's and if they were on file or when they received this 3rd fax my acount would be unlocked within 5 more days. 5 days later i called my account is still locked no one can tell me why, just that they have received my paperwork and there is no further instructions so there hands are tied. I beg of you to please help me in this matter for i have no where else to turn, i have not been able to access any of the only {$1400.00} to my name for over a month and i see no resolve in the near future i have already lost my place to live and will soon be on the street i also have kids than have literally gone without meals do to this. what they are doing should be criminal, this is my unemployment check and they have kidnapped it and are holding for a unpayable, ever changing ransom. I have spoken with the unemployment office and they assured me that this was US Banks doing, not theirs. Thank you for your time and consideration
Complaint sub-issue: Information belongs to someone else

This is to submit the proof of this part of my last complaint just submitted to Equifax : Last Dispute sent XX/XX/XXXX : ID FOR COMPLAINT SENT TO EQUIFAX XXXX Equifax responded they needed more time on XX/XX/XXXX. Equifax mailed a letter to WHO WAS SUPPOSED TO BE ME dated XX/XX/XXXX asking for two forms of identification. There are two major errors with this letter. 1. Equifax PROVED that my credit file has been compromised by stating the name of MY SON ( XXXX XXXX XXXX, XXXX ) on the letter instead of MINE ( XXXX XXXX XXXX, XXXX ). Please see attachment of this letter which was their response requesting additional documents after MY complaint. My son has never disputed anything.
Complaint sub-issue: Debt is not yours

XXXX XXXX, 2017 XXXX XXXX XXXX called my phone attempting to collect a debt. I told them I was unsure this debt was mine, and I asked for a letter of validation. The representative on the phone would not send a validation letter, but said he would settle the debt for 50 % of the price and send a letter in the mail stating that the debt was paid. I am reporting this company for refusing to send validation. I was on the phone for 5 minuets and 10 seconds, which is more than enough time to tell me they would send a validation letter.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Last couple days of XXXX I noticed unauthorized charges. I contacted bank the y said that I could do anything until the cleared account try contacting merchant. More and more charges showed up they continued to say the same thing. I got them to block the merchants I thought but they kept coming in XXXX I saw a charge from XXXX contacted them luckily nothing had shipped and they marked the charge as fraudulent and told me to contest threw my back on XX/XX/XXXX th I was told I would have to wait for the charges to clear after the holiday this time however the put a complete hold on the account. After the holiday they cancelled old card sent a new one told me I had to wait for last two charges and that I had to show I'd had made a good faith effort to contact merchants for reversals. Finally XX/XX/XXXX they said they where sending paperwork in would have to sign and return within 10 days for provisional credit the paperwork didnt arrive in mail till the XX/XX/XXXX at which time I signed and faxed back. I called to let them know and they said it was processing and to call back in a few day for provisional credit. Few days later I called again and was told they had just received my fax on XXXX and in would be a few more days for processing. Few more days I called and was told no fraud had been found case was closed. I didnt understand how that was possible they never even spoke to me nor did they contact legecy who was willing to refund it back. I called again was told it was closed by mistake send paperwork I. Again this time I enclosed emails from XXXX and fax showing faxed on XXXX. Was XXXX to wait a few more days for processing. Called back was to the just received fax call back more day called back money who said that they had just received fax that day and call back in a few day. Called back next day was told I would receive a letter in a few day or a week and that they had no information to give me nor had the contacted XXXX  who had been waiting since XXXX for the to charge back. They refused to even tell me what information I need to provide them let alone what they actually do in these so called investigations.