Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Please see attached copy of my letters sent to the credit bureaus.
Complaint sub-issue: Debt resulted from identity theft

Enhanced Recovery Corp has been unscrupulous in their dealings with me. They submitted a claim on my credit reports for the amount of {$830.00} for XXXX. Mind you, this debit is almost 5 years old and was from an account set up from an unknown location. Before inserting their claim as a collections on my credit reports, they have to date provided absolutely no documentation, nor have they tried to contact me. They have also not validated this debit as mine. 

I have been a resident of Florida all my life. When trying to contact them, my calls are either not returned or they simply do n't answer my questions. This debit is fraudulent and I have advised the credit bureaus of this. However, Enhanced Recovery has been un responsive and I am beside myself. I demand that they remove this collections from my credit bureau reports immediately. 

Thank you in advance for your assistance in this matter.
Complaint sub-issue: Investigation took more than 30 days

Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction
Complaint sub-issue: Account terms

i tried to dispute errors found on my report from XXXX who had bought my loan from XXXX in XXXX but they list it as opened with them in XXXX the same time i opened XXXX with XXXX they listed it as another type of loan on top of my regular mortgage and also try to put a fraud alert on my report as i learned XXXX checked my credit today and ive never dealt with them. i cant contact equfax as they clam my info tells them ive had several loans and credit cards over the years and know never had a credit card ever.. 
i have a police report where someone stole my ssn and tried filing state tax forms under mjy namne for states ive never been
Complaint sub-issue: Non-sufficient funds and associated fees

I was scammed by someone in Florida when I stay in Mississippi on  XXXX   XXXX  ,2017. The y took {$730.00} off my card and I have not received the money yet and it 's  XXXX   XXXX  ,2017. Ini tially they told me it would tak e 30  to 45 days to dispute this matter and today they tell me it  will 45 to  90 days. They are giving me the run around and not being truthful!! I need help
Complaint sub-issue: Reporting company used your report improperly

Ive asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. But I did a thorough research myself and found improper inaccuracies on my credit report even after the credit bureaus did their verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax PROFESSIONAL DEBT XXXX XXXX XXXX Equifax In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Complaint sub-issue: Overcharged for something you did purchase with the card

On XX/XX/XXXX I purchased a travel reservation through Citi 's travel portal ( this is listed as a benefit of the card ). This particular credit card offers fourth night free at any hotel stay booked via this travel portal. I was charged {$2500.00} total with fourth night free. I contacted Citi on XX/XX/XXXX ( they have a 180 day review policy ) requesting a price adjustment to {$1900.00} ( the cost of three nights given 4th night is free ). I was transferred to 5 different people 2 of which stated I should receive the adjustment, they simply were unaware of how to adjust the price, and 3 of which simply were unaware. One particular CS rep, XXXX, continued to state my price rewind would be denied. I continually tried to explain to him that this was an issue with the travel portal and he simply said he did not know how to further help me. It was not only a frustrating experience, XXXX ( CS rep ) stated that the credit card company did not have to provide me with accurate terms and conditions, which I know to be incorrect. He also stated the price is non-refundable- which I agree with ; I am not requesting a refund simply a credit for the price difference through Citi 's own travel portal for 4th night free. I currently should see a price credit of {$640.00} and Citi has provided no answers or solutions.
Complaint sub-issue: Debt was paid

The account held by this collection agency is from XXXX. I have contacted XXXX they let me know no balance was due on my end with them. That I needed to contact Collection agency I contacted the collection agency and they have been unable to help me find a solution there only solution is for me to pay the debt. I have explained several times XXXX stated I don't owe. I had sprint more than 5 years ago so regardless this account is passed the Statues of Limitation of California. Also the account number is listed as follows XXXX they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.
Complaint sub-issue: Overdraft charges

XX/XX/XXXX, wow I check my cashapp account to find that my account was {$150.00} over drawn. I had about {$6.00} in my account before but I could not find the reason as to why my account was over drawn. I call customer service they said we will escalate, the message I received back was call merchant dispute called. But again I dont know who the merchant is how much they are taking is this a scam etc. I have called them email them because my check goes into my account and I love paycheck to paycheck. If I owe it fine but tell me what I owe and why I owe it.
Complaint sub-issue: Account information incorrect

1. I am writing to you today to resolve ALLY Bank ( XXXX # XXXX ) This account is related to XXXX XXXX XXXX, which was totaled XX/XX/XXXX. 
a. The vehicle was insured by XXXX and a checking for XXXX was issued to ALLY on XX/XX/XXXX. ( check # XXXX ) b. There was an unpaid balance which was subsequently paid by the GAP insurance ( Though some extensive efforts ALLY received SAFE GUARD check and I was told by their employee it will be back dated to XXXX ) c. ALLY Bank utilize the XXXX check for monthly payments thus showing continued payment on this loan. My last payment to ALLY was in XX/XX/XXXX. 
d. ALLY did not file for the GAP insurance payments until XXXX ( something they are responsible for ) e. Ally shows an incorrect balance on this account which should be XXXX and paid for without any late payments. 
f. I spoke ALLY many times in XXXX trying to resolve this issue while I was deployed. I subsequently email XXXX XXXX. XXXX XXXX Executive Officer and Director, Ally Financial Inc. with no response. 
g. I have contacted the three credit reporting agencies with supporting evidence and Ally subsequently place a higher balance on my account causing my credit score to drop several points.

2. Ally currently has two separate accounts on my credit profile XXXX ( showing charged off ) and XXXX ( showing late payments ) a. I had only one account with ALLY Bank! 
b. Together these two accounts have ruined my credit for seven years.
Complaint sub-issue: Trouble with how payments are being handled

I believe I have made XXXX payments and should qualify for Public Service Loan Forgiveness now, but Fedloan has me at XXXX. The disputed payments include the following : one from XX/XX/XXXX where Fedloan says I " don't have a bill for this payment, '' but still debited the monthly amount from my bank account. The issue was without my asking for it, they put me into " disaster forbearance '' because I lived close to the California wildfires despite the fact that the fires did not affect me personally. I called and asked to remove the forbearance, which had been placed for two months, and asked them to bill me as I wished to continue to make payments. They removed the forbearance and only debited my account for one month, but did not create a bill. Therefore, they took my money for one month even though I asked them to take it for two months, and then counted zero months. Another disputed payment is from XX/XX/XXXX during a transition from a prior servicer to Fedloan. This payment has been " pending manual review '' for over two years. I have submitted proof of payment for this bill but it hasn't changed anything thus far. I called Fedloan and they advised me NOT to submit for forgiveness now because it will be denied. They also said there is " no timeframe '' for when my disputed payments may be reviewed. I asked if I might speak to their ombudsman or at least a manager and was told " no. '' They would not give me any contact information for an ombudsman.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act Account Name : XXXX XXXX Account # XXXX / Account Name : MECHANICS BANK XXXX XXXX  Account # XXXX has violented my rights. 

15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without a written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

XXXX XXXX XXXX XXXX XXXX filed a complaint in foreclosure stating they are US Bank National attorneys and not acting as debt collectors. 

I never received anything not did i send them written consent to contact. 

I sent XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, request for proof of Authority that they were hired by US Bank National Board of directors and they ignored my request. 

XXXX XXXX XXXX in collusion with XXXX XXXX XXXX XXXX XXXX agents entered the Foreclosure Complaint and opened up a XXXX XXXX Common Pleas account to collect a debt without prior written consent to contact using private information I did not provide them nor did I approve anyone to provide them. 

Neither XXXX XXXX XXXX agents nor the XXXX XXXX XXXX XXXX XXXX have entered on the record a prior judgement from a court of competent jurisdiction or prior written consent. 

Though I did not receive first communication about a debt the post master stamped XXXX on 4 certified return receipt mailings and pulled off the XXXX XXXX pretending to be agent and having representative capacity. The US postal Service does not have POA over myself and committed Federal Crimes. 

I have reported the Federal Crimes to the XXXX XXXX Clerk as well as to the US post office but neither have done anything to correct the matter. 

The request for proof of authority to the Debt Collectors misrepresenting as US Bank attorneys was a Judicial Notice sent to everyone involved. That Judicial notice was entered as an answer to the Foreclosure Complaint rather than a Judicial notice of Intent to Sue and Attorney No Authority. It was in no way an answer and explicitly was titled Judicial notice. 

The XXXX XXXX XXXX XXXX XXXX XXXX will not correct the record. 

Once the Judicial notice that included Intent to Sue and a Cease and desist was entered as an answer to the complaint in foreclosure all other communications between the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX debt collectors was sent to the XXXX XXXX XXXX XXXX XXXX XXXX. 

I have verification that the XXXX XXXX Treasurer was also sending mail addressed to XXXX XXXX XXXX to the Sheriff 's address and it was never returned to sender. 

The XXXX XXXX XXXX XXXX XXXX XXXX does not have a power of Attorney or agent representative capacity to receive mail addressed to XXXX XXXX XXXX. 

I have tried to correct this matter sever times and not even the Commissioner will respond. My house was allegedly sold at Sheriff auction with full knowledge of all the abuse of process and I and my daughter and pets are in danger of being forcibly removed from my home. 

XXXX XXXX XXXX debt Collectors published a ss # on public record and opened up several accounts pretending to be me requesting information form the Dept of Defence and a Title Company. Again i did not give them POA or prior written consent to do anything on my behalf. 

This is an emergent matter I have evidence of everything stated and am willing to aver in open court.
Complaint sub-issue: Account status incorrect

There were fraudulent items on my report which I have supplied the several police reports for. Since XXXX, XXXX XXXX has placed items on my report that have no belonged to me due to identity theft that has been reported time and time again. These notices were sent to each bureau as well as the agency reporting the information : I, XXXX XXXX XXXX consumer associated with account numbers XXXX ..... 

They have received written notices of billing errors pursuant to 15 U.S. Code 45 1666 ( a ). Pursuant to 12 CFR 1026.13 this is a billing error and requires resolution. All balances are satisfied by the united states 15 U.S. Code 1666d which states that any amount listed on a statement is considered excess of the total balance due When it came to my attention that XXXX  XXXX had been furnishing deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements and related reports to Equifax, XXXX, XXXX, FICO. 
XXXX XXXX has also furnished deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements to my domicile requesting payment of an alleged debt. 
The statements always arrive with a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S. Code 1666 ( d ). 
The account with XXXX XXXX was opened under a consumer credit transaction utilizing my open-end consumer credit plan. Pursuant to 18 U.S. Code 8 and Public Law 73-10, all debts are the obligations of the United States . 

XXXX XXXX 's furnishing of deceptive billing statement ( s ) is deemed to be racketeering activity in the form of extortion pursuant to 15 U.S. Code 1961. 

XXXX XXXX has never made amends nor has XXXX XXXX provided me non-equitable relief for my current account or new one created. In addition, XXXX  XXXX has not made amends by submitting a complete erasure of all negative marks reported anywhere including but not limited to Equifax, XXXX, XXXX, XXXX, and FICO. 

I have stated all matter should be handled in writing due to the deceptive nature of doing business with XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Didn't receive notice of right to dispute

Approximately XXXX, I paid XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX XXXX XXXX to vacate the eviction and I signed documents to accept the offer. I even got rental help by an agency here in XXXX which paid them XXXX which was the maximum amount they would pay. This eviction/judgement that's being reported on my XXXX credit report is false and its hindering me from getting an apartment.
Complaint sub-issue: Account information incorrect

I owed XXXX and settled the debt with the company in XX/XX/XXXX. The company stopped reporting on my credit report in XX/XX/XXXX. For no apparent reason, the company started reporting on my credit report with Equifax since XX/XX/XXXX. Nothing has changed. I have disputed the item with Equifax, but they have failed to remove it.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2021, I ordered my free annual credit report ( to include all three credit bureaus : Equifax, XXXX, and XXXX ) by way of telephone number XXXX. After the automated system collected the required information, it stated that I would receive the credit reports within 15 days ; however, today is XX/XX/2021, and I have not received the reports. The reports should have been received no later than XX/XX/2021. Given the reports contain a significant amount of personally identifiable and other confidential information, it should NEVER be in the hands of identity thieves or other perpetrators. For example, the reports contain confidential information such as : creditors and account information, account numbers, balances, payment amounts, employment information, current and former addresses and phone numbers, and other confidential information.
Complaint sub-issue: Information belongs to someone else

I was incarcerated for fifteen years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for two thousand dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy XXXX now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file
Complaint sub-issue: Debt is not yours

Green Sky XXXX  XXXX  XXXX  and XXXX  XXXX  XXXX, XXXX XXXX fraudulently opened a loan for {$7200.00} in my name. Green Sky XXXX XXXX XXXX  is colluding with XXXX  XXXX  XXXX, XXXX XXXX. XXXX XXXX promised to build a glass patio enclosure, in a contract executed XXXX XX/XX/2021. We thought XXXX XXXX would finance the project and we would repay XXXX XXXX within two years of finishing the project. XXXX XXXX accepted a personal check of {$15000.00} as down payment to begin work. On XXXX XXXX, 2021, XXXX XXXX contacted Green Sky and demanded {$7200.00} as *additional down payment*. We protested. We never authorized Green Sky or XXXX XXXX to charge {$7200.00} against a loan. XXXX XXXX never did any work- no demolition, no materials ordered, no construction, nothing. I say this again : XXXX  XXXX  DID NO WORK. XXXX XXXX stole {$15000.00}. GREEN SKY continues to add interest and late fees to the original *loan* for a non-existent glass patio enclosure, and sends monthly statements and threatening letters.
Complaint sub-issue: Reporting company used your report improperly

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

Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was result of identity theft

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax writer permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Third party reporting agencies are not updating my credit score and are showing closed accounts with old information that should be deleted.