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

To CFPB In accordance with the Fair Credit Reporting act these creditors has violated my rights. 

XXXX Act # XXXX -XXXX Act # XXXX -XXXX XXXX Act # XXXX -XXXX XXXX XXXX Act # XXXX -XXXX  Act # XXXX -XXXX  Act # XXXX -XXXX Act # XXXX -XXXX XXXX XXXXXXXX Act # XXXX -XXXX  Act # XXXX XXXX Act # XXXX -XXXX  Card Act # XXXX -XXXX XXXXXXXX Act # XXXX -XXXXXXXX XXXX XXXXXXXX Act # XXXX -XXXX  Act # XXXX -XXXX XXXX Act # XXXX XXXXXXXX XXXX  Act # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Used obscene, profane, or other abusive language

I contacted the debt collection agency ( Merchants Credit Association ) myself to schedule and setup a payment plan. The lady I spoke to immediately started making statements such as what your wife doesnt work?, you are over doing your self financially, etc. when in fact nobody predicts a medical bill typically and why would she say things when she has no idea what she is talking about and it is personal information and for her to treat me like that is completely unacceptable. If someone is trying to do the right thing then why on earth would they want to make you not want to pay them and tolerate their abuse? No I dont want this on my credit but I dont deserve to be treated that way when i just want to take care of my debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Complaint sub-issue: Problem getting your free annual credit report

I requested to get my credit file pursuant to 15 USC 1681a ( a ) ( g ) in 2021 and i still have not received it.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, I am writing to make you aware that I have been a victim of identity theft and am not responsible for the following 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 I am demanding deletion of these items from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Police Report and Federal Trade Commissions Identity Theft Affidavit for this case. 
Section 605B states that if A account is the result of identity theft, then it must be removed from my credit report. 


THIS REQUEST HAS NOT BEEN MADE IN ERROR I DID NOT OBTAIN POSSESSION OF GOODS I DID NOT RECEIVE SERVICE OR MONEY AS A RESULT OF ANY TRANSACTION ISSUE. 
THIS IS ME ( XXXX XXXX XXXX ) SENDING IN THIS REQUEST DO NOT SEND ME A STALL LETTER ABOUT ANY THIRD PARTY OR CREDIT REPAIR COMPANY I HAVE INCLUDED MY IDENTIFICATION
Complaint sub-issue: Problem getting your free annual credit report

I sent a PDF form request with attachment as instructed below to   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX  requesting my credit history several weeks ago  XXXX   XXXX   XXXX ,   XXXX   ). To date I have not received any confirmation that my request was received by   XXXX   XXXX   XXXX   XXXX   XXXX  !!   EQUIFAX refuses to provide an ONLINE report, they averred : Online Delivery Unavailable, We are not able to deliver your free Equifax Annual Credit Report online.     How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX , GA  XXXX  Please include with the attached form a copy of  XXXX  item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address.   Identity Social Security card Pay stub with Social Security number  XXXX  Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility  bill ( gas, electric,   water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license,  XXXX  forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents.     Why have n't I received a confirmation from   XXXX   XXXX   XXXX   XXXX   XXXX  ? Why does Equifax REFUSE to provide online reports?!!!
Complaint sub-issue: Their investigation did not fix an error on your report

After pulling a copy of my credit report. I noticed that Equifax is reporting XXXX XXXX -account number XXXX and XXXX XXXX my credit report reporting non compliant information in which i have disputed this account several times in which Equifax has continued to ignore my request. I send several letters certified with return receipt as well as a notarized letter and they still ignored my letter sending a generated letter stating they have verified information with nothing else attached and at the same time ignoring my letter all together. I have found several UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations of Accounts that appear to be not in lawful compliance to reporting regulations or else wise improperly reported and transferred by other lender/servicers on the report. I understand my rights and that is why I send Equifax a written notice of my consumer demand checking for federally required proof of compliance even to the metro 2 data field formatted regulatory reporting obligations as a specific mandate due to the CRSA enactment and implementation of the standardized CDIA sponsored Metro 2 Compliance rules. The Fair Credit Reporting Act dictates that every single one even each any and or all accusations of debts, true or not, must be accurately and timely reported in all deferment/transfer cases.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I was on a special repayment program and I completed the terms. I then became unemployed due to no fault of my own and was receiving minimal unemployment payments. I tried to make ends meet, but my mortgage became behind and I had to stop paying on the credit card because my family needed housing and food more. I tried to talk to Discover and they were unwilling to help me. I could not get in touch with them often as I eventually went back to work and my work hours were the only times they were open. I tried writing to them and no response. They have since sent my account to a collection agency who will not return my calls or respond to my messages. I attempted to contact Discover because they have filed legal action against me without providing me with any details. Discover refuses to discuss any details about my account even though they have filed a court case against me. I have called them trying to work out a repayment plan with them for settlement but they refuse to speak to me. I have sent them payments when I had funds available to do so and they failed to report those payments made.
Complaint sub-issue: Account status incorrect

On XX/XX/2018 Loanme filed a complaint against me in the Superior Court of California , County of XXXX XXXX. Case Number XXXX. 

They contacted my employer numerous times harassing human resource department, threatening to visit my employer. 

They sent someone by my employer and tried to serve me at my place of employment twice. They actually served papers to my human resources department. 

The continued their harassing calls to my employer and this cause undue hardship with my employment and threatened my employment. I could of lost my job. It did do damage to my reputation as a XXXX and for this I am marked by employer as not being financially stable. 

Fair debt collection practices laws were violated and I am seeking a correction. 

I went to court and paid this bill in full. This bill was not charged off but paid in full. 

I want this account totally removed from my credit report. I paid over the amount that I borrowed. I called the company and tried to work out a pay off of the account, but when I called they would not take allow me to pay off the account. Then the collection activity started. I have proof that envelopes were sent to my place of employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They addressed the envelop to my employer so they would open it and read it and know all my personal affairs of this loan and the complaint that was filed in Superior Court. 

This is a direct and planned strategy of LoanME and should not be tolerated.
Complaint sub-issue: Problem getting report or credit score

In the beginning of XXXX 2015 I was informed by Equifax that my credit report would be transferred over to their " Equifax Office of Consumer Affairs ''. At the time I had no idea what this department was nor why I was placed in this department. 
Also around early XXXX I began applying for credit cards and shopping around to refinance my home. 
I was denied several credit cards and mortgage opportunities. I had no idea why until I started receiving letters in the mail with the reasons why. These letters were stating that " Equifax credit bureau information is missing/unavailable or score not available ; insufficient or unknown credit history ''. 
Curious I called the " Equifax Office of Consumer Affairs '' to ask about the situation. I was told that companies would not be able to get access to my reports anymore because NOW my reports were being held by the " Equifax Business Division ''. 
Meaning mortgages, credit cards, insurance companies and even a job that Im trying to get would have to contact this Equifax Business Division. 
This has been a HUGE burden on my family and I. I cant apply for jobs in a timely matter, get car insurance, nor apply for credit. I also can not access my credit report online anymore, which according to the law I have to right to receive. 
I want to be taken out of this " Business Department ''. I want to be taking out of their " Equifax XXXX of Consumer Affairs Department ''. 
I have still never received a explanation in writing as to why I was put their special departments in the XXXX place. I do think because of me contacting the CFPB in the past, this is their way of " punishing me ''. 
Regardless I have a right as a consumer to access my personal credit report and give permission to other entities without having them contact the Equifax Business Division. 
I would like an explanation as you why this happened. I have also contacted a lawyer about the situation. I am ready to go further if need be. Hopefully this can be resolved without any further problems. 
I would like to have Equfax remove me from these departments immediately. 
Thank you ... .. 

XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I filed for Chapter XXXX Bankruptcy in XX/XX/2018. A Rise Credit loan ( loan  # XXXX ) in the amount of {$4000.00} was included in my petition. In spite of the Automatic Stay, Rise Credit is continuing to collect this debt : On my XXXX  credit file Rise Credit is continuing to report this loan as ( 1 ) Current Status : " delinquent, '' and ( 2 ) Description Remarks : " Bad Debt/Placed for Collection. '' I have now disputed this account TWICE with XXXX, but Rise Credit keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362. 

I am requesting that Rise Credit update the account language and descriptors on my XXXX file to read : " paid as agreed '' or " unrated '' AND " Chapter XXXX Bankruptcy. '' Thank you.
Complaint sub-issue: Not given enough info to verify debt

I have been making installment payments on a charged off credit card for several years to a company called Hunt and Henriquez. I have requested several times to get original information about the debt which was XXXX XXXX, and I have also requested a break down of the original debt vs payments made, etc., and finally I have made several attempts to settle the balance and the company is uncooperative and does not give me any proof of balance or credits. My bank statements show the payments, but it seems like I have paid over the original card balance by this point. they also do not return phone calls. their representative XXXX only discusses my file if I call there and get ahold of her, she never calls me back. Which I have phone records to prove that.
Complaint sub-issue: Keep getting calls about your loan

I have a student loan with XXXX XXXX, XXXX. I was 19 days late with one of my payments. I received a call from Loan Science LLC as a debt collector asking me to pay my loan on XX/XX/2020. When I received the call I scheduled a payment directly to XXXX XXXX  XXXX to set my account current. The representative at loan science called XXXX  and verified my payment was scheduled. After that call, I've received 3 other calls to me and my co-signer requesting payment even though payment has already been made. Every time we tell them to please verify before they call and they continue to harass us. They're even spoofing other people 's phone numbers to get in contact with me. They've called me with XXXX ( pulls up as XXXX XXXX XXXX and XXXX, but if you look on their website the number they have posted is XXXX.
Complaint sub-issue: No notice of investigation status/result

I submitted a several disputes to Equifax after being a victim of identity theft -- starting in XXXX. I submitted all the proper documentation. They did not block any of the items ( III. A. Blocking Information in Credit Reports under Sections 605B and 623 ( a ) ( 6 ) ), and they continue to report them. I asked for the items to blocked and thoroughly disputed, I also asked for validation proof. They did not respond or send proper documentation.
Complaint sub-issue: Reporting company used your report improperly

In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

RECEIVED NOTIFICATION THAT COLLECTION WAS PLACED ON MY CREDIT FILES. NO INFORMATION TO VERIFY OR VALIDATE THE DEBT WAS OWED BY ME. THIS IS IN VIOLATION OF FCRA.
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 heck 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 us 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 XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I took a cruise that was paid with a Best Buy Credit Card. My daughter, a minor XXXX XXXX XXXX, was not able to board because she had a positive XXXX test. At that moment a proof was presented, a claim was initiated, requesting the reimbursement of this ticket. They told me that before ands the cruise I would receive an answer, but I just receive a letter with a case number, and I had to contact the corporate office in XXXX. I did. I contacted them using different ways : by phone, E-mail, and regular mail ( post office ), without receive an answer. 
I initiate a dispute of the charge with the credit card ( {$660.00} ), but the credit card had denied me this refund, giving me different excuses. I had sent all the information to the credit card, include a dispute with the XXXX XXXX XXXX against XXXX, where the company accepts the mistake, but they are giving a credit to use in a future cruise to my daughter. The problem is that my daughter is a minor ( XXXX XXXX XXXX ) and she can not use it by herself. I have a couple problem with the cruise and the other credit card accepted my disputes and made the respective refunds, but Best Buy Credit Card had denied it. One of the reason has been that they had not received enough information or documents, but this is not true because I had sent all the information using different ways ( fax, and regular mail )
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Equifax multiple times informing you of this, and you too have failed to verify these inquiries Since neither Equifax or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : PLEASE SEE ATTACHED DOCUMENTS. ALL DISPUTED INQUIRES ARE CHECK MARKED IN RED FOR EQUIFAX.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected as soon possible : XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I checked my email and bank statements and also logged into XXXX to see why I was still owing a debt collector if im paying the bill for the amount of {$110.00}. I have full proof that its been paid by showing my bank statements and emails of confirmation numbers and amount. My last day payment that went through to the XXXX XXXX was on XX/XX/XXXX of XXXX. My next payment will be on XX/XX/XXXX for the same amount of {$110.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 us 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 XXXX 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