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. 
XXXX  Account, 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: Public record information inaccurate

I mailed 3 certified letters with return receipts, first letter was sent out XX/XX/XXXX an received XX/XX/XXXX asking Lexisnexis to Verify Public Record of Bankruptcy or to delete account also included was a letter from the Court saying that " they do not give or sell any information to third parties '' and I never got anything back from lexisnexis nor did they mark the account under dispute or notify the 3 credit bureaus of the dispute. On XX/XX/XXXX I ordered my consumer report to see if lexisnexis might of marked the account under dispute but they didn't. Second letter was sent out XX/XX/XXXX an received XX/XX/XXXX it was a follow up letter do to lexisnexis not replying to my initial letter an how they violated federal law. Lexisnexis took 24 days before acknowledging my second dispute an on that 24th day of XX/XX/XXXX lexisnexis then marked the Public Record of Bankruptcy under dispute, but did not notify the 3 credit bureaus of the dispute and on XX/XX/XXXX which equals a total of 66 days from initial letter with follow up letter to get a response lexisnexis replied claiming they Verified that Bankruptcy is accurately reporting to my consumer report but lexisnexis also failed to provide me with a copy of any viable evidence showing the account is being reported accurately. Third letter was sent out XX/XX/XXXX asking for Method of Verification and asking lexisnexis to send documents of proof or to delete the account and on XX/XX/XXXX lexisnexis then responded claiming they Verified that Bankruptcy is accurately reporting, once again with out Providing Documents of Proof or showing Method of Verification. I have attached all documents to support my complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXXXXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$8600.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$11000.00} ), XXXX BANK ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1600.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2021 an inquiry was removed and I lost 45 points?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I saw an inquiry on my credit report from Equifax consumer affairs that was done without my consent. when you contact them they give you the run around.
Complaint sub-issue: Problem getting my free annual report

Ca n't obtain my credit report or score from Equifax online
Complaint sub-issue: Investigation took more than 30 days

I requested my credit report from Eqiuifax on XX/XX/2019. I saw that there was negative information reported by XXXX   XXXX/XXXX in the file that XXXX maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$1900.00}. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Complaint sub-issue: Personal information incorrect

CFPB + Equifax, I am writing in to update my correct address on file with Equifax and to have all other non correct addresses removed : attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots on Equifax where these are located Please have this updated as soon as possible.
Complaint sub-issue: Account terms

Macy 's is illegally re-aging an account lasted used in XX/XX/XXXX on my credit report and reporting to all reporting agency that the account is late. They are also reporting falsified payments to bring account up-to-date. They also used an falsified date of my lpusage being in XX/XX/XXXX when I have proof last usage occurred in XX/XX/XXXX. Also, the account was bought by XXXX and has been legally deleted with them.
Complaint sub-issue: Debt is not yours

This complaint is about ATG llc, this company is horrible, and they break the law big time, I guess ATG Rep and Manger think there above the law and I'm asking CFPB to conduct and investigation into there conduct. CFPB by getting phone recordings. I told ATG that I'm the original creditor of the account and they refuse to listen. They say there representing XXXXXXXX XXXX and say they are the original creditor. This company and workers are deemed to know the law if ATG is say they follow FCRA, I am the creditor of that account, every loan, debt obligation or extension of credit is originated from from my social security number. Refer to 15 usc 1602 ( I ), so basically XXXX XXXX XXXX is using my credit and say I owe them as in XXXX XXXX. ATG is not looking out in the best interest for the people. By giving out false information 15 usc 1611. Also in violation of 15 usc 6802- ( A ) and 15 usc 1692 c ( a ) also a violation of my 13th amendment trying financial slavery my 5th amendment. Life, liberty and due process
Complaint sub-issue: Trouble with how payments are being handled

I have contacted Fedloan Servicing repeatedly about my students loans as they are miscalculating my PSLF payments. I have spent hours on the phone and emailing, but I get contradictory information and they still refuse to answer basic questions or track my payments accurately. I worked for a qualifying employer from XXXX. I made payments on my loans during this time. I submitted an Employment Certification Form ( EFC ) twice to Fedloan Servicing. They lost the first form, and I had to speak to a manager to get them to look at the second form. At first, they claimed I consolidated in XXXX, so payments in XXXX wouldn't qualify. Now they claim I was not on an eligible repayment plan, but they can not tell me what plan I was on, and I was on a qualifying plan ( either income-based or standard ). I went to graduate school, graduated, and then worked for a qualifying employer from XXXXpresent. I want my prior payments counted by a high level supervisor like before. I want them to check to see what repayment plan I was on from XXXX. They were not my loan servicer then, which is probably why they are doing such a terrible job tracking payments and repayment information from that time, but that does not excuse robbing me of credit for four and a half years of payments.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/2017 XXXX {$3000.00}
Complaint sub-issue: Reporting company used your report improperly

I have made numerous of attempts over the phone, by letter and online to resolve my issue with the violation of my privacy as well as the furnishing of incorrect information on my account. However, the credit reporting agency has become bullies and are doing what they want to degrade the consumers image. My financial privacy is very important to me and posting false information against my consumer character is not acceptable. Please see the attached and resolve as soon as possible.
Complaint sub-issue: Didn't receive terms that were advertised

Albert ( banking services provided by XXXXXXXX XXXX XXXX  ran the below promotion in XX/XX/2022 and still running. See attached screenshot Albert is offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days. 

I was referred by a friend. Opened an account using his referral link on XXXX and satisfied all the requirements for XXXX, XXXX and XXXX. Now Albert is refusing the {$150.00} bonus saying it did not track. 
I followed all the requirements correctly. If it's a problem with you application and system, why should I get penalized. 

Further, I also referred XXXX XXXX who also satisfied the requirements for 3 months. Albert is refusing to grant me the {$150.00} bonus for referring XXXX too. 

Request Albert ( XXXX XXXX  ) issue me the {$300.00} bonus ( {$150.00} for me opening the account and satisfying the requirements, {$150.00} for referring another person who also satisfied the requirements.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

Dear Sir/ Madam, It is currently XXXX XXXX in the PA Banking Commission XXXX We have received a contact from a previous consumer and wanted to touch base with your company to ensure that all is well. We have confirmed that a lawsuit was not filed against PNC. PNC has been soliciting XXXX XXXX in spite of a cease and desist letter being sent to your entity. The next steps will lead to a federal lawsuit. PNC has been told to leave XXXX XXXX alone several times. However, PNC never seems to understand the message. XXXX XXXX cashed the {$500.00} check at PNC 's approval. An agent from PNC contacted XXXX XXXX and had left a detailed voice message stating that the check was in good standing. No blocks or any adverse action was taken against the check. PNC is now blaming XXXX XXXX for stealing {$500.00}. If PNC does not leave XXXX XXXX alone, I will contact XXXX XXXX XXXX XXXX, NY ( DOJ ) to sue PNC for harassment and defamation. I am attaching this email that was sent by an employee in your company. PNC should have processes to keep employees under control. PNC is negligent as it has violated a cease and desist order. PNC must not make any more inquiries about XXXX XXXX to any Consumer Reporting Agency. PNC must mind its own business. I hope that you will follow this demand letter. Legal action will be filed if any provisions are violated in this letter. 
Sincerely, XXXX XXXX ( DOS ) PA BANKING COMISSION
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Recieved Voicemail : XX/XX/XXXX This message is for XXXX XXXX my name is XXXX XXXX which social services I've been instructed to contact you in regards to an active order of location that's being issued and filed against you through your county due to avoided contact they have instructed me to speak with your employer once the paperwork is submitted they will have to make a determination whether or not you're on the premises to avoid any further penalties you may contact the proceeding office XXXX file number a.m. XXXX this is your official legal notification XX/XX/XXXX Called back spoke with XXXX XXXX. Refused address or fax number. advised that this debt was originally from Citi XXXX I advised that this loan was purchased by XXXX XXXX in XXXX and that this was part of a XXXX  XXXX Bankruptcy in XXXX. 
Advised to speak with My Atty : XXXX XXXX. They advised that this was not cleared by Bankruptcy. I said it was on the schedule and was discharged XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you. I've called XXXX and your company to resolve this issue and I have proof from my current carrier as to when I started services and the previous phone number in question, which never left my XXXX until I changed my number in XXXX of 2021. Please remove this debt from my credit!!!
Complaint sub-issue: Debt is not yours

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, I filed for relief under a CH XXXX specifically because my fiance and I had purchased a XXXX XXXX  in my name. The payments were extremely high and when we decided to part ways the vehicle remained with me ... as did the payment. I retired in XXXX and live on a fixed income, however at no time was I ever late with any payments for the vehicle as well as my mortgage and any open credit cards. I had first tried to refinance the vehicle to lower the payments, but the credit union said I would need to pay an additional sum of $ 6K- $ 8K just  to bring the amount down. I tried to return the vehicle to the dealership, but of course they would not take it. Long story short I decided my only option would be to file for CH XXXX. I also had cancelled the GAP insurance on the vehicle as well as additional service warranties I had taken out on it. Those funds, in excess of {$3500.00}, went directly on account for the vehicle and the credit union kept then even after the CH XXXX had been filed, which is illegal according to BK rules. This is not my actual complaint though. My issue is that all of the credit card companies as well as the credit union continue to report that I was delinquent. This was NEVER the case. On my credit reports they tend to continue to not only show as " potential risk '' they show as having been delinquent. I have disputed all previously both individually with the companies as well as XXXX, XXXX  and XXXX, however they still remain listed separately and showing as a risk and most as having been late. I want to try to buy a small home this year and it is a definite deterrent. When creditors look at my credit history they see all these creditors listed as risks and they were included in my Bankruptcy ... never late, but required to be included by law although I would have reinstated them and kept them open if I had been given the chance. In addition, there is one account that was closed after the fact that I thought had been included and it is old ( XXXX XXXX   ), and yet now it is being reported as if it is a new account and in collections by XXXX XXXX. Once an account is closed they should not be allowed to continuously be sold to potential collectors then have them show as if it is a current account with dates and a new collection. In addition on personal info at one point it shows my last name as " XXXX. '' I've tried to correct this as I have never used this name. It was evidently transposed at one point as my last name is " XXXX. '' Please help!
Complaint sub-issue: Information is not mine

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information / and the removal of any fraudulent inquire that was made from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 BANKING 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 BANKING 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 BANKING The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX accuracy not XXXX or XXXX.