Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem cancelling or closing account

Some in 2012 I begin a process of trying to pay off all credit so that I can begin the process of purchasing a home. I requested my Credit Report from all Credit Companies thru website Free Annual Report I review the report and begin paying them. I believe some on my credit report did belong to yes I disputed them certain items keep popping up with different account numbers but attach to my social security number. I would all XXXX companies the investigated for policy and procedures and make they following Federal Regulation regarding Credit Reporting and Credit Score and review their Computer system for accuracy and privacy guidelines.
Complaint sub-issue: Account status incorrect

I paid the student loans off in full XX/XX/2020. Great Lakes reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full payment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Complaint sub-issue: Didn't receive terms that were advertised

OPENED CHECKING ACCOUNT WITH CITI BANK ON XX/XX/2018 AND WAS OFFERED XXXX XXXX XXXX   MILES AS BONUS FOR OPENING ACCOUNT BETWEEN XXXX, MAKING {$370.00} IN DEBIT CARD TRANSACTIONS AND SETTING UP MOBILE BANKING. THESE REQUIREMENTS WERE COMPLETED ON XX/XX/2018. TERMS STATE WITHIN 90 DAYS OF COMPLETION BONUS WILL BE CREDITED. 123 DAYS LATER AND NO ONE AT CITI OR XXXX XXXX  CAN FIND THE MILES. MY HUSBAND COMPLETED THE SAME ACCOUNT AND BONUS AND RECEIVED HIS MILES. CALLED CITI 3 TIMES NOW AND NO ONE CAN EVEN FIND THE PROMO CODE OR GIVE ANSWERS. USED THE LINK DIRECTLY FROM THEIR WEBSITE TO OPEN THE ACCOUNT. MY XXXX XXXX  NUMBER IS XXXX IF FOR SOME REASON THEY CANT FIND IT. IN THE MIDST OF THIS THEY ARE CHARGING {$25.00} A MONTH TO MAINTAIN AN ACCOUNT IM NOT USING BECAUSE THEY CANT FIGURE OUT WHAT IS GOING ON.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below in my complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Difficulty submitting a dispute or getting information about a dispute over the phone

They said they removed the loan from my account but its still showing on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a complaint, ID FOR COMPLAINT SENT TO EQUIFAX # XXXX, pertaining to the Equifax debacle that cost 148 million people their personal information security. However, that complaint is not enough ; due to the fact that Equifax effectively sold ( for free ) my lifes most critical personal information to individuals and companies all over the world, and for a limitless time, I demand substantial compensation as a result of Equifax costing me a lifetime of insecurity and nameless misuse of my personal information. My life may not be worth anything to Equifax, but it is worth plenty to me! The ramifications, implications, and damages that the compromise of my personal information has cost me should cost Equifax as well. It has been quoted by news sources ( XXXX ) that key Equifax employees liquidated their stock in Equifax two days before the hack on Equifax. They profited from not updating the software that would have prevented this from happening. This is a criminal attack, identity XXXX, and the giving away for free my lifes history and most personal information. Unacceptable and Equifax is culpable for it.
Complaint sub-issue: Information belongs to someone else

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Recently I disputed an account with Equifax and Equifax replied back saying that the account was verified. 



However, Equifax have stated a complete lie and has failed to do a proper investigation. 

XXXX. XXXX XXXX XXXX XXXX XXXX is listed on my Equifax credit report as a child support account when its an old utility account. If the proper investigation was done whom did Equifax get this information from that it was a child support case? 


XXXX. Not only is it an utility bill but the account is charged off as well reporting with a {$950.00} balance. How is that possible? 


Its clear that Equifax is violating my rights under the FCRA and gave refused to correct their unlawful practices after many attempts which is defamation of character and a hindered to my credit.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated that my account was properly investigated but how is that possible if many things are inaccurate on the accounts such as the date last verified inaccurate, date of last activity inaccurate, date last reported inaccurate, date opened inaccurate, closed date inaccurate, last payment inaccurate, term length inaccurate, payment history inaccurate for accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This ground for removal. They also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I've provided my drivers license as well as my social to the Equifax Credit bureau. I have received several response letters requesting my ID and Social. I've mailed it in several times and now I am worried that someone has my personal information and is able to use it. If I have mailed it to Equifax over 6 times since the month of XXXX, why are they still requesting it? I have also uploaded it here to this website on a complaint. What is going on?
Complaint sub-issue: Personal information incorrect

In accordance with the fair credit reporting act. XXXX XXXX XXXX Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have the right to privacy. 


These addresses, phone numbers and employment history are incorrect on my credit report. 


Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Employment History : Boss Republic Self Employed
Complaint sub-issue: Attempted to collect wrong amount

I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the amount of suit on the summons is listed as XXXX. I hung up and called again and was given different information. I was told I could make a payment of {$400.00} and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually owe and I 'm getting different information from different people. When I said I was unemployed they just sat on the phone in silence.
Complaint sub-issue: Information belongs to someone else

Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by equifax or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the companies.
Complaint sub-issue: Account status incorrect

I have an issue with Lending Club institution. 
They have been reporting missing payments since XX/XX/2020. I have a proof of all automated payments from my bank. I provided to them, but they did not even respond. 
I called them and spoke to one of the managers and he said there is nothing they can do. 
I just wanted them to correct reports and fix their mistake.
Complaint sub-issue: Debt is not yours

Ameracollectpay.com has been calling repeatedly and never says what debt it is. I don't owe them or anyone anything.
Complaint sub-issue: Information belongs to someone else

Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to EQUIFAX, XXXX and XXXX  asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called EQUIFAX, XXXX  and XXXX as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

The inspection was by XXXX, Inspection ID XXXX on XX/XX/XXXX Car was XXXX XXXX XXXX XXXX XXXX XXXX Held by XXXX XXXX  out of NY XXXX ( USB ) Charge for total windshield replacement at end of lease due to stone ding of 1/8 inch by 1/8 inch with picture on web -- but reading 1 x 0.5 inch cracked which is not true. The stone ding is verified by the photo and there is no visible crack.

Charge for replacement of windshield is {$460.00}.

This can be easily fixed with windshield resin. This is very inexpensive. 

I called XXXX on XXXX to tell them I disagree with the measurement and disagree with the remedy of the problem. They said the power belongs to them and I have no rights.
Complaint sub-issue: Account status incorrect

In XX/XX/2020 ; XXXX XXXX placed my primary residence and an investment property into a CARES ACT COVID-19 Deferral. This was done without my consent or my approval. They would not allow me to make payments while on deferment as I wanted to at least cover the escrow amounts. In XXXX ; I was asked a pivotal question, Did I want to pay back the past due amount or balloon the balance onto the 360th payment. As an investor I took the opportunity to balloon the payment to redirect funds into an investment. I began making payments as of XX/XX/2020 according the normal schedule. XXXX XXXX held their word that the account was never reported late or past due and has that the account is current. The problem is that the remarks and comments section mentions that account is actively in deferral. I can not secure credit from anyone because every lender believes that my mortgages are in an active deferral. XXXX XXXX has responded to my complaints that the lenders are not interpreting the credit report correctly. However, every lender is interpreting the credit report this way. I need this comment removed as I can not secure any credit despite having an XXXX credit score and actively making payments. 

Please note that I am not attaching any documentation because I fundamentally do not have any documentation to attach. I did not complete any forms for the deferral ; I did not receive anything saying I was not in deferral so I have nothing to provide.
Complaint sub-issue: Information belongs to someone else

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

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ICSYSTEMS would verify the debt. So I took it upon myself to ask ICSYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/ I received a letter dated XX/XX/ in response to my first debt validation letter. Attached to this complaint you will see, the response has failed to verify the information and debt. The letter also states it is going to report to all three ( 3 ) major credit bureaus to update the incorrect, invalidated debt. 
You are currently reporting debt to my credit report { {$170.00} } and as allowed under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX  to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my WET SIGNATURE with the provider of service to release my medical information to you CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VALIDATED BY ME. Please send this information to my mailing address listed above and accept this letter as my SECOND FORMAL DEBT VALIDATION REQUEST, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Complaint sub-issue: Personal information incorrect

Equifax keeps reporting a fraudulent address on my report. I never lived in the XXXX. I sent several letters with my correct address and they refuse to remove the fraudulent address. I sent documents showing my proper address that mail is delivered by the United States XXXX XXXX.
Complaint sub-issue: Trouble getting a working replacement card

I have been requesting my prepaid payroll card from XXXX XXXX  They charged me 3 times to get my card shipped out and they sent it to my employer instead of me. I asked my employer did they receive my card and they told me they haven't. I requested that my card be sent to my home address at XXXX XXXX XXXX XXXX XXXX XXXX Washington D.CXXXX They sent my card to XXXX XXXX md according to the XXXX website. When I requested my card again they continue to hang up on me and they never sent my card. I have a balance of {$750.00}. I previously had {$850.00} before they started charging me shipping fees and did not send my card. I am requesting that they issue me out a check and send it to my home address and cancel and close the account. If they can't do that I am requesting that they issue me another card and send it to my home address.
Complaint sub-issue: Reporting company used your report improperly

Solicitations and damaging remarks on my credit report
Complaint sub-issue: Attempted to collect wrong amount

The owner ( XXXX XXXX ) mother ( XXXX XXXX ) has my information from a tax return I never collected from her, they are accusing me of messing up an apartment I only stayed for 2 months and left peacefully and clean space.now they arnt giving me my return and they arnt giving me my money I payed them for the month when I left on the XXXX XXXX  XXXX. They sent me pictures blackmailing me and blaming me for things I never did. Now they are using my information to fraudulently tie my name to a lease I never signed and I didnt live in for the whole duration.
Complaint sub-issue: Not given enough info to verify debt

I am requesting verification of the validation of the electric bill statement showing proof of these charges trying to be collected. I still do not agree with owing anything as I turned off electric and water when I left and paid what was owed to the actual companies. I was informed to try to obtain and not just a statement from the apartment complex stating I owe for. I would also like to know when was the unit re rented to another tenant