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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Money Lion ) XXXX XXXX XXXX XXXX  Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES 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.

Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.

Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 



Respectfully, XXXX XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Dear CFPB.   on Saturday    XXXX   XXXX   2017 I  did purchase from macy 's with my macy 's  American express  credit card the cashier told me that I will receive another 20 % with this form which let me sign it and she put the purchase on the new card not on the macy 's card which I swipe it in front of her, when returned home I was checking it I found that she let me sign for opening another macy 's credit card then I called macy 's credit card number they told me to call Monday, when I called today Monda y  X/XX/2017  the cu stomer service told me that she will cancel the new credit card and send me statement of the purchase on the cancel card and she told me I will send you email with this which is as below ; My Question is closing the new macy 's credit card which is open without my permission will affect on m y Credit Score.?    Thank you Sincerely,  XXXX   XXXX  " Dear  XXXX    XXXX    XXXX , Thank you for your recent inquiry regarding your account.   It 's been a pleasure to have you as a customer. As you requested, we closed your account and will report it as closed at your request to the consumer reporting agencies.   Please allow at least 30 days for the consumer reporting agencies to update their files.   Sincerely,  Macy 's Credit C ustomer  Service Card  Member :  XXXX   XXXX   XXXX   XXXX   XXXX  Account ending in :  XXXX  Member since :    2017  The purpose of this Security Zone is to help you verify that the e-mail was indeed sent by  Department Stores National Bank. I f you have questions, please call  XXXX  or the customer service number on the back of your card.   Macy 's Credit Card  XXXX .  XXXX   XXXX   XXXX , OH  XXXX    X/XX/2017 /ACCOUNT_CLOSURE_BALANCE_PL "
Complaint sub-issue: Account status incorrect

i HAVE SOME REPEAT INQUIRES ON MY CREDIT REPORT WITH ACCOUNTS I NEVER APPLIED FOR! THERE IS A XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX? I AM NOT SURE IF IT WAS ANOTHER XXXX XXXX BEING CONFUSED WITH ME OR SOMEONE USING MY PERSONAL INFORMATION. PLEASE FORWARD ME A COPY OF ANY APPLICATION RECORDS ON FILE THESE ARE UNAUTHORIZED INQUIRIES.
Complaint sub-issue: Their investigation did not fix an error on your report

Had a bad car loan with XXXX they took the car charged it off while i was still making payments. I then called XXXX XXXX they offered me to settle for a paid to delete in which i paid $ XXXX.Big mistakes! i was not aware that XXXX had a lawsuit of {$500.00} XXXX settlement lawsuit. I have try to call them they refused to help. 

I called all 3 agencies, mail out letters, faxe 's neither equifax, XXXX, XXXX is responding back in which i know they have from 30 to 45 days to respond.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and I believe no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Original Creditor : DIRECT LOANS ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$3000.00}
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX The company name is IQ Data International. I dispusted a debt they refused to remove this from my credit and this is my formal complaint
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( XXXX, XXXX, Equifax ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Equifax : XXXX XXXX- Account Number XXXX
Complaint sub-issue: Company closed your account

I held a credit card with BBVA Compass Bank before they were acquired by PNC. I regularly paid my bills via automatic debit. Not long after PNC acquired BBVA, my credit monitoring service alerted me that my account had been closed, but monthly payments continued to come out of my account. I called multiple times and spoke with several people to have the issue resolved, because I was still paying but my credit had dropped sharply due to my account being closed without notice. By the time someone got back to me without hanging up, I had left my job for a XXXX XXXX and was no longer earning an income. I spoke to an agent who informed me that due to my new financial position, I could pay no interest for a year and after a year, my interest payment would be lowered from 29 % to 4 %. I was told that someone else would reach out to me once everything was set up. I also authorized PNC to continue to debit my account for the monthly payments with the newly lowered interest. Not only did I never hear back from anyone, PNC reported my account as a charge-off. Because of this, I was denied the XXXX XXXX XXXX that I received last year and am having extreme hardship financing my education. I understand that many business are short staffed during this time, however as a young XXXX XXXX XXXX I feel as if my account was purposefully closed because it wasn't as valuable to PNC and this has put me in a difficult position, and this very negative mark on my credit will affect me later on
Complaint sub-issue: Information belongs to someone else

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00},
Complaint sub-issue: Personal information

I submit a request for an annual report from each of the XXXX credit reporting agencies. XXXX and XXXX have my correct birthdate. Equifax does not. I have gone through the prescribed procedures to correct their error. I have repeatedly submitted my birth certificate etc. ; to no avail. As a result I can not download my credit report from Equifax
Complaint sub-issue: Other problem getting your report or credit score

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX., XXXX, TX XXXX SS # ENDING IN XXXX
Complaint sub-issue: Account information incorrect

I have been dealing with XXXX  XXXX XXXX Credit Card that I have had since XXXX which started since XX/XX/XXXX. Keeps kicking out the theft of card -- -- -- -- -- -- -- -- - sent new card- and still continues in XX/XX/XXXX! I have to make appoints with a financial center since XX/XX/XXXX. Takes weeks/ months to get an appointment. Not that many left open in XXXX, FL. I went from the XXXX  of XXXX until the XXXX of XXXX until I could speak with a Manager. XXXX XXXX at XXXX XXXX XXXX NE, @ XXXX. ( that is No longer with company ). quit! This is a mess by them. Sent me a new card and said nothing! ( XXXX  XXXX XXXX ), I reported the Credit card lost! The only thing I have been paying on is cash I took out, not informed that intrest was involved. That was on XX/XX/XXXX, for $ XXXX then card was either left at bank or stolen? Spoke with XXXX and agent from credit on phone, and said to pay on the {$1500.00} thus far. I have ever since. It was XXXX on the FRAUD team and on the call. My balance is as of today -- -- -- -- -- -- -- -- - XXXX another payment due XX/XX/XXXX, I mean are you kidding the theft was : $ XXXX when card taken ... .... Please help.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, CREDCO add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiriy on my credit report per XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

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 Equifax and XXXX was XX/XX/XXXX, 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 listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$820.00}
Complaint sub-issue: You never received your bill or did not know a payment was due

Good Evening ; As you can see, I'm very meticulous when it comes to my credit and pay everything on time or even way before it's due. As I was going through my credit report for the last 3-5 years, I was shocked when I reviewed my credit report and found the late payment on the dates below : XX/XX/XXXX/XX/XX/2016 - 30 day late payment I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Billing problem

I refinanced my auto loan from Ally Bank to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX issued the payoff check. It was sent on XXXX to ally financial. Ally financial is refusing to connect us to anyone in the XXXX payment processing center. They admitted that their payment research team is backlogged and they can't tell me where our payoff check is. We have been advised that their customer care group in the US is in a meeting and then 20 minutes later we were advised that they are closed. We have continued to get lies instead of straight answers and can not get anyone on the phone that can help us. They are sitting on a payoff for our loan and after 2 and 1/2 hours, we have to give up as we were placed on hold with no one answering again and we can't get answers on why they haven't applied our payoff but yet we are accruing interest. They have left our loan open even though the payoff has been sent and refuse to send to any department that can help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX, I purchased airline tickets via XXXX. I even purchased travel insurance in case the flight had to be cancelled. I later received an email stating that XXXX cancelled my flight and that I would be reimbursed. The travel insurance I purchased through XXXX reimbursed me, but XXXX did not. I have spent countless hours on the phone with XXXX as well as Citi Card regarding this matter. I have given them all the information that shows that my flight was cancelled by XXXX, not me. I was reimbursed for the travel insurance. 
Citi Card, even after having all the information clearly showing I am not at fault, refuse to help me in the matter to get this resolved. 
These tickets were purchased to for my kids and I to see family after my husband passed away from XXXX. I had to repurchase the tickets through XXXX XXXX. Having to pay for XXXX 's error will be a severe financial burden on me.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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: Received bad information about my loan

I am a student at XXXX. ( XXXX ) and although I am XXXX XXXX, the school has not provided accommodations. As a result, my condition worsened. I discussed my options with the school and called " FedLoan Servicing '' about my grace period where I was told that if I drop below half time enrollment the 6 month grace period starts and then resets the moment I return to half time enrollment. 

So I dropped a class XX/XX/XXXX taking me just below half time and returned to full time status in the XXXX. I attended every class, and did all homework. Unfortunately, I still was n't quite well yet, and started having XXXX which I saw a medical professional about XX/XX/XXXX. I was told that if I dropped at that time there would be a full refund and that I would be eligible for student loans in the summer. Based on this, and what I was told about grace periods, I felt safe dropping the semester XX/XX/XXXX intending to continue again in the XXXX. 

FedLoan Servicing instead sent me a letter telling me that my grace period ends XX/XX/XXXX, which would be the case if the grace period never reset in XX/XX/XXXX, but the grace period should end XX/XX/XXXX. This is a big deal, because the XXXX semester starts XX/XX/XXXX, and instead of resting as I am supposed to be, I 'm XXXX over what should be a simple issue. 

On XX/XX/XXXX I sent FedLoan servicing documents from my school showing the date that I fell below half time was last XX/XX/XXXX and I quoted back to them their policy : " If you go back to a Department of Education approved school at least half-time before your Grace Period ends, you will get another six-month Grace Period the next time you leave school. '' I explained that either my grace period should end later, or they lied to me when presenting this policy. They told me the matter would be reviewed and I would get a letter 7 to 10 days later. I waited 16 days, sent another email asking why I have n't heard back from them, then today - XX/XX/XXXX - they said that on XX/XX/XXXX they checked my current status which said I am not currently enrolled. In other words, they did n't even try to investigate the actual matter. They tell me that the school has to update my status as active for them to do anything, which is simply not true. I am not currently enrolled in classes and that should n't matter. 

All I expect them to do is follow the rules they provided me in advance of making decisions about my loans. Either the grace period is set to end XX/XX/XXXX, or they committed fraud by withholding important information from me. Either way, I will be taking classes again starting XX/XX/XXXX and I want grace period issues to be corrected. 

The only reason why I have not already registered for summer classes is because I am still paying the school back for the XX/XX/XXXX semester, and I have to have it all paid back before I can enroll in classes again. It 's especially strange to owe the school money for the loans that FedLoan Servicing denies exists. I told them they should have a record of this, since the school paid them back for the returned student loans, but they act like they do n't.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF INQURIES BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681. 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC1681. 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN CONSENT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt is not yours

I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Amerifinancial Solutions LLC on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). The alleged debt has several inaccuracies, so how do I even know the debt is real? I sent a debt validation request letter to Amerifinancial Solutions LLC via mail on XX/XX/2022. Tracking shows that the letter was received by Amerifinancial Solutions on XX/XX/2022. It has been more than 30 days and I have not received any type of debt validation letter. 

The debt validation letter is attached to this complaint.
Complaint sub-issue: Personal information incorrect

My credit report has an incorrect formerly known as name listed and two former addresses listed that are incorrect. Can you tell me how this can be corrected?