Johnade/consumer_complaints_cfpb huggingface dataset:
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, 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: Account information incorrect

TEK Collections has an invalid collection on my report, I never owed the money they are reporting.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a text and email alert that someone made a purchase ( Order # XXXX ) on my Macy 's credit card in the amount of {XXXX} on XX/XX/2022. The shipping address was addressed to : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX VA XXXX. 

I already resolved this issue with Macy 's and they are sending me a new Credit Card. 

Thank you. 
XXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX, 2017, I was referred to XXXX XXXX XXXX in XXXX, Ca. XXXX XXXX to get a pre-approval for a prospective property in XXXX County. Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on XXXX XXXX, 2017, instead. I emailed and faxed most of all documents to XXXX XXXX, in return email from XXXX XXXX, she asked if she could forward my bank 's statements to my realtor. With that email, I called XXXX XXXX, I do not wish to move forward, something was not right. Realtor only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer after 36 hours request to me, does not have a business to have personal financial sensitive information. After a phone conversation with XXXX XXXX, my husband and I decided not to move forward with loan and property. I advised XXXX Not to run my credit check, but she said she did anyway. On XXXX XXXX, 2017, I learned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to CBCInnovis ( XXXX XXXX XXXX used ) about the inquiry. The respond from the agency stating that XXXX XXXX indicated that XX/XX/17 XXXX XXXX. we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department XXXX XXXX I spoke with the loan officer for your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with XXXX XXXX from XXXX, 2017, and I exchanged a handful of emails on XX/XX/XXXX, no authorization have been mention of running credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a complaint through the CFPB regarding accounts on my credit that were not mine. There are still accounts that said was verified that it belongs to me and that is not a true statement. I demand proof that these accounts are verified as mine with signatures and agreements. I have been wrongfully denied credit for this unacceptable mishap on the credit bureau for reporting this incorrect information. Please have the follow items removed from my credit report immediately or I will have no other choice but to seek legal advice. I have tried all I know to resolve this. The accounts that are not mine are : Equifax : 1. XXXX XXXX/XXXX  XXXX XXXX  Account Number:XXXX 2.XXXX/XXXX  Account Number : XXXX 3.XXXX XXXX Account Number:XXXX XXXX  : 1.XXXX XXXX XXXX  Account Number : XXXX 2.XXXX XXXX   Account Number:XXXX 3.Chapter XXXX bankruptcy dismissed ( Which was removed from XXXX and Equifax so please prove to me how XXXX can say several bankruptices are mine and the were removed by the other two bureaus ). I have never filed for bankruptcies. 

Please have all these items removed from my credit report immediately.
Complaint sub-issue: Need information about your loan balance or loan terms

RE : XXXX XXXX XXXX : XXXX XXXX. 
XXXX : XXXX Web : XXXX Correspondence Address : XXXX XXXX XXXX. XXXX XXXX XXXX, NE Zip XXXX I took out a student loan through XXXX in XX/XX/XXXX. Approximately 1-2 years ago the loan was transfered to XXXX XXXX. It was a horrible loan because the interest charged was 10.25-11 %. I needed the loan to complete my degree. I had a second loan with another student loan institution for 3 %. 

I decided in XX/XX/XXXX, to consolidate both loans through my credit union for 3 % interest. To complete the application process the credit union had me fill out an application. They also requested payoff letters from both student loan companies to be reviewed. The other instituition provided me with a payoff letter within 3 days. 

In XX/XX/XXXX, I began calling XXXX XXXX to request a payoff letter. Since then I have called their customer service department at least 15 times requesting a payoff letter. The representative ( s ) have been so nice each time when I requested but I never get a payoff letter all 15 times. If I receive anything it is mail saying they received my call or some other junk mail. The last time I called was XX/XX/XXXX, I was so angry I just was beside myself as to why they still have not sent me a payoff letter. I still have not received anything and I am worried my 2nd application with the credit union is going to expire because of no payoff letter from them. 

I have done everything I can -- - please assist me in this matter.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Now it 's been shown that their site to determine whether or not an individual has been impacted is randomly generated. So currently, since I am not able to properly enroll with the site for several more days, there is no actual way for me to know if my information was stolen.
Complaint sub-issue: Account status incorrect

I was looking at XXXX XXXX and I noticed this on my credit report but I did not know the creditor.
Complaint sub-issue: Their investigation did not fix an error on your report

Please see attached for my dispute against the XXXX XXXX XXXX  XXXX XXXX. It lists several violations of consumer finance law and violations of the ADA. In short XXXX stopped generating paper AND paperless statements for my credit card and revolving student loan accounts in sometime between XX/XX/XXXX and XX/XX/XXXX. I logged in on or around XX/XX/XXXX to find the system showed XXXX accounts active or closed. Moreover, the system listed XXXX ( XXXX ) statements and indicated I was not eligible for electronic statements. TILA/Regulation Z requires XXXX send me periodic statements. They did not. Th normal rebuttal would be " you could have accessed your statements online. '' I could not because their system showed I had XXXX accounts. XXXX was notified within a sixty ( 60 ) day period when in XX/XX/XXXX I e-mailed and notified XXXX of the billing error. They acknowledged it was their error and that their system and automatically dis-enrolled me from paper an paperless statements. I filed disputes with the CRAs in XX/XX/XXXX because XXXX began reporting my accounts as delinquent despite not providing statements and XXXX ( XXXX ) records in the system showing I had ANY accounts. It was never fixed. I took screenshots in XX/XX/XXXX, XX/XX/XXXX. In XX/XX/XXXX the accounts were allegedly charged-off and XXXX locked me out of online access. I filed a complaint with my state regulator in XX/XX/XXXX and they sent a close-out letter today, XXXX XX/XX/XXXX stating that they could not investigate the truth of fact, and notified me that they could investigate no further because XXXX filed two ( 2 ) separate lawsuits in small claims court for the maximum amount. Moreover the stated the documentation provided by XXXX showed I allegedly violated the card agreement due to " several late and missed payments before and 'after ' COVID ''. That statement is curious because the pandemic still exists. If what the state regulator was referring to, the I should make clear, as I did in my statement to the regulator, I've had XXXX XXXX XXXX : XXXX in XXXX XXXX, XXXX in XX/XX/XXXX. Each of those periods was followed by afflictions of long-XXXX  that lasted for over XXXX ( XXXX ) year for which my daily activities were compromised because I had brain swelling with microbleeds. On those grounds alone, I am a XXXX individual under the ADA. I also have ADHD and take XXXX and an XXXX. Supply chain disruptions have made it difficult to fill my medication during the pandemic. Sudden halts in the combination of medications can cause XXXX. Overall, it is clear XXXX has engaged in unfair, unlawful, and abusive practices. Given I'd filed complaints against XXXX within one-hundred twenty ( 120 ) days prior it would seem XXXX 's used, an continues to use the courts as a means of harassing me into paying. XXXX, the court has ordered mediation. This is supposed to be a reputable credit union. However, that is how they are treating current and former XXXX members that are XXXX. The full complaint/dispute is attached.
Complaint sub-issue: Personal information incorrect

Information about me and accounts are wrong and needs to be removed
Complaint sub-issue: Public record information inaccurate

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Complaint sub-issue: Can't close your account

I have asked Credit Karma at least twice in the past month to close my account, and they have ignored my responses. When I create new tickets because I was ignored, they keep making up excuses for why my account is open. I do not have any disputes pending or any money in the account, so I don't know what the holdup is. When I closed accounts at other banks in the past, it was usually done within 24-48 hours. Please close my checking account once and for all Credit Karma! XXXX!!!
Complaint sub-issue: Problem with customer service

I submitted the information for my PSFL form 3 months ago but they are still not showing that they are tracking it for me. I have no idea if I am missing information and can not get a response from them.
Complaint sub-issue: Problem accessing account

On XX/XX/2023, I mistakenly gave my debit card number to a spammer. I had called the XXXX # on the back of an XXXXXXXX XXXX card that was a few years old. I reported to XXXX that the number now goes to a spammer and they told me that I should have used the new card that came in the mail. They should make sure the old toll free number is not available for use by another entity. I reported it, but they did nothing to close down that number. As soon as I hung up the phone, I realized that the person was a scammer. I called Citibank and cancelled the debit card number and they sent me a new card. 
Same day as I gave out the original debit card number to a scammer, XX/XX/2023, and I reported it to the bank,, they paid the {$3.00} to the scammer, they claim using the new debit card number. It's not possible that the scammer had the new debit card number as I gave it to no one and I cancelled my old debit card as soon as I hung up from the call with the scammer. When I was still able to access my checking account via the Citibank XXXX, it showed the charge of {$3.00} as pending. The telephone agent said it was paid using the new debit card number. 

Now Citibank has cancelled my new debit card and claims to be sending me a XXXX  new one. 
I am trying to log on to my online account through the Citibank XXXX  and it shows an error when I enter my password. I am sure the password is correct. 
I am reporting XXXX for leaving an old toll free number available to others. 
I am also reporting that CITIBANK has frozen my online banking and they paid {$3.00} to a spammer using my new debit card number on the same day that I cancelled my old debit card.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX EQUIFAX, XXXX  AND XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Complaint sub-issue: Can't stop withdrawals from your account

I purchased a convenience store on   XXXX   XXXX   XXXX    . Part of the purchase process is to apply to  XXXX  to accept  EBT cards ( food stamps ). I   h ad submitted the application to   XXXX   in  XXXX  and provided all the requested documents in  XXXX . A fradulent company called "   XXXX   XXXX   XXXX   XXXX   '' called my store in  XXXX . This company was impersonating to be from the government and asked for a {$320.00} fee for finalizing the food stamp application. The manager at my business fell for this scam and gave my bank account number and routing number to this company. Later I found out that this is a scam and this is a private company from   XXXX   XXXX  , California. This company withdrew money out of my bank account under the title "  Federal Compliance  ''. I immediately contacted  US Bank wh en this withdrawal was pending.  US bank r efused to stop this withdrawal and were not even able to tell me what company was this charge from. I have now contacted this company about  hundred times but t hey refuse to refund my money. I have also filed complaints with various government agencies. My complaint is aga inst US bank. They  refuse to do nothing despite the fact that I told them the whole situation. They were unable or unwilling to tell me what company was this charge from. Small business owners lile me work countless hours to earn a living and paid thousands of dollars in fees to banks li ke US bank. However it appears that US bank is aiding and abetting criminals like this fradulent   company and do everything to conceal the criminal 's identity.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XXXX of 2017. I contacted citibank and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state citibank is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone onXX/XX/XXXXand the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.
Complaint sub-issue: Reporting company used your report improperly

Put Consumer Reporting agencies on notice that all accounts should be validated pursuant to 15 USC 1692g. Without written consent with instructions 15 usc 1681b ( 2 ).

an Extension of credit, or experience should not be shown on my consumer reports. Companies did not respond.
Complaint sub-issue: Called after sent written cease of comm

Brown Law , PLLC collecting on behalf of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Tx. 
Phone : XXXXContact initiated by phone on XX/XX/XXXX, missed call, voicemail left by caller. 

Call contact on XX/XX/XXXX I recorded a call from XXXX XXXX, I would not verify information ; was told " I 'll tell them you wo n't cooperate '' then XXXX XXXX hung up. 

Call contact to my mother on XX/XX/XXXX as well as a voicemail on the same day. 

Call contact to me on XX/XX/XXXX, missed callCall contact on XX/XX/XXXX I recorded asking them to send it to me in writing and informing them of the 5 day requirement that had already begun ... caller was XXXX XXXX. 

Written letter dated XXXX/XXXX/15 received from Brown Law , PLLC on XX/XX/2015Response sent return receipt on XXXX/XXXX/15 informing to cease contact except in writing to me ; sent to PO Box as well as physical address. 

USPS website screenshot showing delivery on XX/XX/2015Return receipt received XXXX/XXXX/2015 bearing signature as well as the date of XXXX/XXXX/2015 with service upon physical address. 

Call contact on XX/XX/XXXX, XXXX XXXX the caller, I recorded informing them of a violation of the FDCPA to which they responded they had no record of the letter even though I explained I had a return receipt showing delivery of XX/XX/XXXX 

At some point this company may have also contacted my wife. I will pull our bill and locate their number XXXX. 

As of XXXX/XXXX/2015 this company has not signed for the return receipt in their PO Box which was available for pickup on XXXX/XXXX/2015 according to the USPS tracking website. I believe this is done to continue to harass consumers. 

i have retained screenshots of the missed call log, the bills showing their calls, recorded conversations uploaded to the cloud, a copy of their letter as well as the envelope, the return receipt, screenshots of the USPS website for tracking and delivery, and a copy of the letter that I sent. I will obtain a copy of my credit report as well as I suspect they are in violation of the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 

As such, this company is now harassing me for a debt they have yet to validate in any manner. They have broken multiple regulations in the FDCPA in an effort to harass me.
Complaint sub-issue: Card opened as result of identity theft or fraud

DISCOVER bank is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 

DISCOVER has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX )... I was sent an account statement which does not provide any validity of this account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but Equifax and XXXX is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a Child Support of {$600.00} ( Court Ordered ). This amount is automatically deducted from paychecks every pay period. XXXX XXXX XXXX XXXX reports this account to CRA. I have been disputing the accuracy of this account for over 4 months multiple times. I have provided documentation including but not limited too : Paystubs ( 4 in total ), Copy of Order for {$600.00}, Copy of Payment Ledger from XXXX XXXX for this account, Copy of CHAT Transcript with XXXX XXXX substantiating my claims and more. CRA FAILS to update account accurately or when they do, the very next day they change it back. They are reporting FAILURE TO PAY, MORE THAN 120 DAYS LATE, Improper monthly payment requirement of {$2000.00}, Completely inaccurate Payment History for past 48 months. They FAIL to look at the documentation and just keep reporting something different each dispute. My rights under the FCRA require ACCURATE REPORTING, my rights under the FCRA require the CRA if they feel their is ANY DOUBT to the information being reported they MUST remove it. Being I have provided the COURT ORDER, COPIES OF MY PAYSTUBS, COPIES OF XXXX Records, and more they have more than sufficient information to have DOUBT if NOT EVEN CORRECT IT PROPERLY. With 4-5 disputes filed already, they make me file a NEW DISPUTE every time even though this has been the same problem from the beginning. They are clearly violating my rights under the FCRA in reporting information which CLEARLY inaccurate. I take my child support and my credit very seriously and I feel this is being done intentionally or being handled by someone who is NOT PROPERLY INVESTIGATING THE DISPUTE. Attached the complaint : LETTER to XXXX XXXXXXXX, COPIES OF CRA 'S inaccurate reporting, COPY of CHAT TRANSCRIPT with XXXX, COPY OF PAYMENT LEDGER to XXXX XXXX, PAYSTUBS showing the corresponding deductions, COPY of ORDER of $ XXXX/mo. ALL of this information has been provided to the CRA previously as well. All of this information is VERIFIABLE.
Complaint sub-issue: Other problem getting your report or credit score

This company put incomplete information on my credit report XXXX Inquiry from XX/XX/2019 Miscellaneous Institution Information No contact information has been reported by this creditor. 
I never applied for a XXXX card, and it is no address or phone number to contact the company so it can be removed. 
I have paid all of my bills on time for the last 12 years but that does not reflect my credit score, Equifax score XXXX XXXX XXXX XXXX XXXX It is something wrong with this picture, My credit information has been breached under Equifax but have not make good on it, and my information is being hacked but they have not done one thing about it.