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

Equifax is in violation of the Fair Credit Reporting Act for providing information from my credit file in according of XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I XXXX XXXX has not provided Equifax written instructions to provide any information of my consumer report XXXX. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. 

Accounts 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 Bankruptcy Individual Date filed XX/XX/2022 Case number XXXX Bankruptcy disposition XXXX Date reported XX/XX/2022 Bankruptcy Individual Date filed XX/XX/2022 Case number XXXX Bankruptcy disposition XXXX Date reported XX/XX/2022
Complaint sub-issue: Account information incorrect

All three credit companies, XXXX, Equifax, and XXXX continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by XXXX XXXX, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I initiated a dispute with Discover originally via XXXX Dispute. The company did an investigation and to their findings the transactions were valid. I contacted the company to ask them to look into this further because my account was suspended and my card wasnt available for use during an account review initiated from Discover. 
I did a complaint with CFPB, because at this point Discover is reporting to the three major credit bureaus that I have missed a payment, and this has dropped my score tremendously. I am in the process of purchasing a home and Discovers actions has caused a hardship that could result in XXXX for my family. 
Discover responded saying that the purchases were made when the account was Not accessible for use due to an account review. Discover said they would keep reporting this invalid payment history and balance until I tell them not to. 
That is not a resolution when in fact I never made purchases on this account. 
The resolution would be to remove the charges and late payment from my account and credit reports until a thorough investigation has been completed. 
Discover randomly selected my account for review before I could activate my card so I never got a chance to use the card. 
It is unfair to me and my family that we must suffer a hardship from not being able to purchase a home due to the late payment that Discover is  reporting on a closed account.
Complaint sub-issue: Account information incorrect

XX/XX/XXXX the same day as the request for services was the same day the contract was to be canceled and rescinded. It is either the sales person that added this to my credit report fraudulently. There is no payment to be made and I asked for the down payment to be recredited back to the credit card used. The service was not needed and there is no employment and it was very expensive and counted a accident within the policy. I stated to be canceled its not affordable for my situation at the time. This collection is a hardship that has prevented myself from obtaining any approval for what I need to survive. I need housing and can not receive it because of this fraudulent collection reporting as a delinquent and thats not fair when it was stated to be canceled the same day.
Complaint sub-issue: Personal information incorrect

I sent a letter to Equifax dated XX/XX/2020 by certified mail. Equifax received my letter XX/XX/2020. My letter was in reference to inaccurate personal information on my credit report. They did not have my correct address listed. 
My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX The employment information was reporting incorrectly. I work at XXXX. 
My name was also listed incorrectly and misspelled and I wanted all information corrected. 
The misspelling on the report is listed as : XXXX ( with no space ) XXXX ( with no space ) XXXX XXXX As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm filing this complaint against the credit bureau today because I am a victim of identity theft which I've submitted my identity theft affidavit from the FTC with the credit bureau. They're items on my credit report that I have disputed that has been removed except for the public records. The credit bureau are claiming to have verified the inaccurate information as accurate but when proof is requested of how and with whom I have yet to receive any documents. I have contact the creditor directly and they provided me with a letter stating they do not submit any information to the credit bureaus. So my question is to whom was the information verified with and why haven't I yet received any documents with my signature of this account??? Because the accounts has been verified as my account and I would like it removed. 
I'm uploading my dispute letter I mailed back in XXXX of this year along with my security freeze confirmation letter, and the letter I received from the courts house.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Got letter today from IC System stating I owe XXXX XXXX {$700.00}. I have never had an account with them. If you go back through your files you will see I have filed a complaint about this going back to XXXX. This is the 3rd or 4th debt collection agency that this has been shuffled off to. Each time dispute this I win. I have spoken to XXXX   about this in XX/XX/XXXX speaking to them to send me a copy of a signed contract and copy of my ID proving this. I have the email if you need them proving I spoke to XXXX XXXX. I have proof I lived at XXXX XXXX. XXXX and you can find me under the bankruptcy website showing you the XXXX XXXX address I lived at and there is a news article in the XXXX XXXX XXXX where my apartment was burned. I made the front page. I had an XXXX  satellite at that time of the fire. If this was my debt all I would have had to do is file it under my bankruptcy I filed after my apartment building burned. XXXX never bothered me again until today well the new collection company this debt has been sold to rather. So I am reaching out to your agency again. This is not my debt, please help me out again. Thanks
Complaint sub-issue: Account information incorrect

I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. On XX/XX/XXXX I notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. OnXX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( Equifax ). OnXX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). On XX/XX/XXXXI notified the furnisher directly that there is a monthly payment of {$400.00} reporting to XXXX  and Equifax on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( XXXX  )XX/XX/XXXX and 30 days late ( Equifax ) at the same time. XX/XX/XXXX it reflects that I was 30 days late ( XXXX  ) and 60 days late ( Equifax ). XX/XX/XXXXit reflects that I was 60 days late ( XXXX ) and paid on time ( Equifax ).XX/XX/XXXX it reflects that I was late 90 day ( XXXX  ) and paid on time ( Equifax ), XX/XX/XXXX it reflects that I was 150 days late ( XXXX ) and 120 days late ( Equifax ). It also reflects that I was late 120 days for the months of XXXX-XX/XX/XXXX on Equifax. There is also activity reporting after the account was closed which from my understanding is a violation.
Complaint sub-issue: Account status incorrect

Equifax, XXXX and XXXX is showing that this account is 60 days late I have a document from XXXX on this account showing that this account is closed and paid as agreed with no late payments. 

The sent me a payment history showing positive payemts please have them remove this immediately because it is damaging my name and my credit. 

Thank you XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN - XXXX AFNI Collections XXXX XXXX XXXX XXXX, Il XXXX Account # XXXX I would like to file a complaint because AFNI collections added this account ( XXXX ) to my credit report without notifying me in writing or any other form of communication. They claim I owe {$980.00} which I have requested information on how I owe this amount and the dates to which they say I owe. I have not received any information about how I owe this amount and for which dates they say I owe. I did not apply for credit nor receive credit from this provider on the dates on my credit report.
Complaint sub-issue: Personal information incorrect

I SENT EACH BEAURU A LETTER WITH ALL MY ACCURATE INFORMATION ON IT NAME ADDRESS PHONE NUMBER JOB I ASKED EACH OF THEM TO UPDATE ALL OF MY INFORMATION AND REMOVE ANYTHING INACCURATE. THEY HAVE FAILED TO DO SO
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. XXXX Balance : {$700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} EXXXX XXXX XXXX Date of XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Investigation took more than 30 days

Attention : Consumer Financial Protection Bureau I sent a letter to Oxygen Recovery Group ; also referred to as OXYGEN XL disputing an account as erroneous on XX/XX/2021, and mailed OXYGEN XL a certified letter, return receipt requested. It is now XX/XX/2021 and I have not received a response from OXYGEN XL. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), OXYGEN XL has ( 30 ) days to investigate my dispute. OXYGEN XL has not verified the information within the 30 day time period, OXYGEN XL must delete all of the disputed accounts from my report. OXYGEN XL must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. Attached is a copy of the postal receipt of my credit dispute to OXYGEN XL and a copy of my original letter showing the account I have disputed. Thanks in advance to your timely response to this request. Sincerely,
Complaint sub-issue: Didn't receive services that were advertised

I was told I was pre approved to refinance my vehicle through Credit Karma 's third party lenders. I filled out multiple applications and received hard inquiries just to be rejected and turned away multiple times. As well as being told I was pre approved with a certain amount each month for a vehicle through Credit Karma 's third party dealership XXXX in XXXX. I filled out the application for the vehicle and was told it was approved but not for the amount the advertisement said, and then found out that the vehicle wasn't even available once I traveled to the actual dealership. Which left me with another few hard inquiries and a drop in my score.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Texas is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Complaint sub-issue: Other problem

Someone stole my identity and open up a line of credit with DISCOVER FINANCIAL SERVICES. Discover is giving me a hard time with this account I've been trying to get this removed for almost 4 years now and it is a effecting me very bad.
Complaint sub-issue: Talked to a third-party about your debt

Company contacted distant relative relating information about the debt owed. Told said relative who they were and why they wanted to locate me. Have requested no contact with 3rd parties previously.
Complaint sub-issue: Information belongs to someone else

There are multiple student loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATION/ XXXX which accumulated over {$200000.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

after receiving numerous monthly invitations to convert a Citi Simplicity card that I have with the card holder to a Citi Double Cash Rewards card offered by the card holder. whose invitation clearly states no credit inquiry or application required to switch to the new REWARDS card. After going online to the card holders portal it redirected me back to my current held card account once I plugged in the requested information I was immediately congratulated with a New card not a conversion of my old card to the new card. The new card provided a lower credit line than my current card plus it gave a higher interest rate than my current card or even higher than the invitation received? I contacted the card company to inquire about my credit being pulled when the invitation clearly states it would not be pulled or no inquiry made! I was instructed to write a letter disputing the credit pull or inquiry only to receive a letter back one asking for my SS #? Then another letter received stating the credit inquiry was necessary to issue a new card when I again I pointed out there was only suppose to be a conversion of the old card to the new card not a completely new card issued I noted that the interest rate differs from 13.9 to 16.9 on the new card issued from what the invitation states by the card holder Citi. I am perplexed because I did not want a new card simply convert the old card to the double rewards card as the invitation clearly states. Citi Cards Cbna XXXX XXXX  XXXX XXXX XXXX SD XXXX
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXXXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Complaint sub-issue: Information belongs to someone else

I sent a letter on  November 03, 2022, to remove items that are UNKNOWN  to me. I came across this law today and according to the Per FCRA  605B (15 U.S.C.  1681c-2) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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  Balance: $0.00; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI 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: Investigation took more than 30 days

On the date XX/XX/2021 I sent letters informing XXXX, Equifax and XXXX  of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, Equifax and XXXX  another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship in our lives.
Complaint sub-issue: Can't stop withdrawals from your account

I regularly take out " XXXX '' advances on my account. I got behind in repaying the loan and MoneyLion regularly takes out loan payments from my account despite their website saying that I can follow the prompts to remove payment methods in the app, I can not. As a result, on XX/XX/2021 I had a deposit of {$300.00} for my payroll and MoneyLion immediately took {$300.00} dollars of this deposit, nearly all of it, for the loan repayment. I fell that this is predatory and wrong. They have taken the lions share of this month/s income with loan payments and advance repayments and it's literally causing me to go without food and now, possibly shelter. 

Their own website states that consumers are under no obligation to repay the advance, but they make it nearly impossible to stop as the option to remove the payment method simply doesn't exist. 

Further, I attempted to defer the payment in their app, and there is apparently no record of the times I've submitted a deferment via the app. 
https : //moneylion.zendesk.com/hc/en-us/articles/360033425931-What-happens-if-I- can not -make-my-Instacash-repayment-
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX  is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''