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

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # 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
Complaint sub-issue: Information belongs to someone else

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. XXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXX XXXX XXXX TX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ... XXXX XXXX XXXX XXXX TX XXXX... AND XXXX XXXX XXXX XXXX TX XXXX. COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXXXXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account XXXX XXXX ( XXXX XXXX XXXX  ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX XXXX XXXX  and 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Was not notified of investigation status or results

I sent the company a certified letter dated XXXX XXXX,2017 stating '' This letter is regarding Act. # XXXX, which is listed Discharged in Bankruptcy. This is a formal notice that your claim is disputed. '' I never received any response back from the company about my dispute nor was it ever listed that I was disputing this account on any of my credit reports.
Complaint sub-issue: Debt was paid

Debt paid in full to original account holder on XX/XX/21, conf # XXXX. Original account holder agreed to remove the debt from my credit report after the payment was made in full. I have filed several disputes and the agency is refusing to honor the account holders agreement of removal after payment.
Complaint sub-issue: Was not notified of investigation status or results

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Complaint sub-issue: Old information reappears or never goes away

I few months back I contacted Equifax in regards to fraudulent accounts one being XXXX XXXX. I sent in the necessary documents affidavit, police report. They removed the account now the account has appeared back on my report under XXXX XXXXXXXX and Equifax allowed that. Dropping my score tremendously
Complaint sub-issue: Information belongs to someone else

My credit report shows an old account with moneylion from 2019 which is a company I have never done business with. I called them multiple times after I noticed it on my report to report it as fraud to them and they kept giving me the run around saying they would look into it and then would just close the case without any resolution. This is an account that I was told was opened online with my information. They arent able to provide any documentation, ID, or signature supplied when this account was opened. This is not my account and needs to be removed off my report immediately.
Complaint sub-issue: Didn't receive services that were advertised

TO REMOVE THESE ITEMS These accounts and inquiries aren't mine, I contacted the companies several times I was told these accounts and duplicate inquiries were removed and I still see them! 

ACCTS ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX/XXXX  not mine - fraud Exceptional payment history Account Info Account number XXXX Account number XXXX XXXX XXXX Account status not mine fraud Date opened XX/XX/XXXX INQURIES ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX DUPLICATE Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX DUPLICATE Finance other than personal Inquiry date : XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX NOT MINE SAID THIS IS FROM 19 YEARS AGO, SAID IT WAS REMOVED BUT I STILL SEE IT!!!
Complaint sub-issue: Attempted to collect wrong amount

I was told that they were soon to have4-G in my area and the phones and internet would not work where I live and they would not. I did n't owe for service and I paid one half of the charges to cancel and they said that would be accepted as settled. Then they put the other half in collections. This was a XXXX XXXX XXXX account. VERY UNFAIR! The collection is under Eos Cca fromXX/XX/2012 for {$210.00}. Ridiculous!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting outdated inaccurate and incorrect information on my credit report. 
I have contacted XXXX and Equifax numerous times and disputed this information. 
They say that the information is verified with no explanation of where they are getting this information or why they continue to report it. 
They refuse to delete it as asked. 
The account has been closed, outdated and, exceeds the statue of limitations. 
All XXXX accounts they are reporting are over 20 years old.
Complaint sub-issue: Account status incorrect

Discover has violated my rights under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They continue report late payments when its illegal to do so
Complaint sub-issue: Denied request to lower payments

I contacted auto track on XX/XX/2020 and explained the financial hardship due to being laid off due to the coronavirus. I even told them if I can go back to work in a week or so I wouldnt get paid until the middle of XXXX. I was told that my payments are weekly and I have only made seven payments. The managers would not be willing to help me. I needed to pay as much as I could by this Friday. 

An update as of XX/XX/2020 I am no longer employed and will not be returning.
Complaint sub-issue: Problem with statement of dispute

On XXXX/XXXX/16, I disputed the XXXX account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 4 months and I still haven't received any results of an investigation and these accounts are still showing on my credit report.
Complaint sub-issue: Indicated you were committing crime by not paying debt

On XXXX, I received a notice from the XXXX that someone filed at complaint against me. Shortly after that, I received a notice of recovery from XXXX XXXX XXXX. Apparently, someone wrote a check in my name to XXXX 's XXXX XXXX. XXXX. Check # XXXX for {$100.00}, from someone claiming they were me. I disputed the complaint online that this was not me, but someone claiming to be me. No police report was made by me because I did not make this purchase nor know about it. I have not been provided a copy of the check, so I do not know if my name was on the check. There has been no check taken out of my bank as specified.TRS has not provided me any proof of this transaction being related to me in any way. XXXX filed a complaint againt me on my credit rating report.
Complaint sub-issue: Didn't receive enough information to verify debt

I disputed the amount of the debt through transunion. I requested an itemization of the debt due. The company responded that the debt was valid but did not provide a breakdown of the charges. 

They have placed a debt amount of {$1500.00} on my credit report. I require an itemization of the amount due. I did not owe this amount when I left the apartment.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have a XXXX XXXX credit card with XXXX that has been fully paid off since XX/XX/XXXX. I received a surprise credit score change of near XXXX points on all 3 major credit bureaus. The credit score change was due to a delinquent balance at XXXX for a {$99.00} annual fee charged on XX/XX/XXXX. I never received a delinquent notice to my email or mailing address prior to XXXX reporting this delinquent balance. I had a credit score of near XXXX before this and I have never missed a payment in my life. After multiple attempts at contacting XXXX to resolve this, I got the run around. I was not aware that I had a {$99.00} annual fee on XX/XX/XXXX. XXXX told me they would notify me in advance when I applied for this card on XX/XX/XXXX, but I never received this notice. I have not used this credit card since XX/XX/XXXX and had lost my login information to the mobile application. I trusted XXXX to send me balance statements and notifications via email or mail, but I never received them. Again, this was an annual fee and not a purchase balance I had. A soon as I was notified by the credit bureaus about this delinquent account I called XXXX and paid off the annual fee of {$99.00} on XX/XX/XXXX. I greatly appreciate XXXX to remove my delinquent inquires immediately due to them not notifying me in advance. Thank you.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

sending me a paper stating that owed for an account called XXXX from 2015 and never got an account open from there and keep harassing me
Complaint sub-issue: Overdrafts and overdraft fees

On Thursday, XX/XX/2019 I deposited about {$800.00} cash & check into an ATM for my bank ( Key Bank ) at around XXXX XXXX. I understand that it normally takes some time for deposits to go through. Over the weekend I made 4 purchases using my paypal which is linked to my checking account understanding that the charge would take place after my money was added to my checking account. On XX/XX/XXXX I reviewed my account to see that on the XX/XX/XXXX all of the transactions went through at XXXX, including the deposit, however Key Bank decided to process the withdrawals before the deposit ( even though they all released at the same time ) and charged me 4 overdraft fees, one for  each individual purchase, at {$37.00} each for a total of {$140.00}. They then applied my deposit and subtracted the {$140.00}. 

I went in to dispute this on XX/XX/XXXX and I was told that's just the way it's going to be but that they could reverse one of those overdraft charges. This was through a teller at the front, and even though she offered for me to speak with the manager, the manager refused to see me. I feel like it was unfair for them to process the charges before the deposit so they could charge me an exorbitant overdraft fee despite the fact that all the transactions went through at the same time, and that I should have been able to get all 4 overdraft fees reversed.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I n 2010, my federal loans were transferred to FedLoan servicing with the specific purpose of being placed on Public Service Loan Forgiveness. I was placed on the wrong re-payment plan which made my payments toward Public Service loan forgiveness ineligible. At no time was I informed which repayment plan I was enrolled in or told which repayment plan I needed to remain in compliance with as part of the program. By the time the issue was corrected a nd was placed on the correct plan, I lost 3 years of eligible payments, even though I have made every single payment consecutively and on time.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Section XXXX A, States I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over  three  months :   XX/XX/XXXX ,  XX/XX/XXXX and XX/XX/XXXX .      I have had a  XXXX   Visa card (  " loan account '' ) since   XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in   transition however, the banking accou nts ported over to the   XXXX    website  in  XX/XX/XXXX , bu t no t the Loan accou nts ; those would not phase-in unti  l  XX/XX/XXXX .
In  XX/XX/XXXX  I sent a secure mes  sage to  XXXX  customer service about making m y Visa payment, the  response was to mail it, and I was provided an address. I sent a  Bill P ay payment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX , I rec eive a credit alert from  XXXX  that  XXXX  reported m y Visa account  as 30 days late. The effect of this reporting tanked my credit score.     When I calle d   XXXX   XXXX   custome r service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.
Complaint sub-issue: Account status incorrect

I have a loan with XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.
Complaint sub-issue: Problem with statement of dispute

On credit report XXXX Equifax, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for XXXX treatment hospital care, and sent to collections feeling I was billed XXXX dollars for XXXX treatment at non VA hospital my question when my employers and veteran payee pays over XXXX, XXXX dollars in XXXX payments WHY cant XXXX pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.
Complaint sub-issue: Threatened to sue you for very old debt

This collection company never contacted me direct at first. They contacted my sisters, my nieces and nephews. When I contacted them they were rude and extremely aggressive. My personal information was also passed along to my family members. My sisters were told that I am in major trouble and that I owe a lot of money to people and that a lawsuit was filed against me and that they needed to tell me to contact the company right away or I would be served and prosecuted. They stated that they had a process server on the way to my place of employment at serve me legal documents because legal action had been taken against me. They said the only way to stop a lawsuit and place the process server on hold was to make payments to them directly and immediately. They continually called my sister, my nieces and my nephews on their personal cell phones and at their places of employment even after being told to stop harassing them and to not contact them. After they were told not to contact them again the company called back another 6-7 times back to back. I myself have had the same issue. They called at least 10-15 times a day and even when I did answer they threaten me with a lawsuit and became aggressive using scare tactics to get me to provide them with my banking information. 

They used three different numbers to contact me and my family : XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I think the credit bureau needs to remove debt from credit file ASAP as to the fax that I am a single mother in need of a place to live and needs this debt to be removed
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I received a call and email from my mortgage provider/service provider XXXX Mortgage ( XXXX XXXX ) to refinance. I said i am not interested. The next day XX/XX/2019 at around XXXX am I received another call from a different rep. I can not talk they should call me back, soon after that they ran a credit check. When I contacted the company they told me that i gave consent because when I told Him he should call me back he said I will call you back at XXXX I am going to pull up an updated mortgage statement and a credit check and I answered OK which literally meant OK you can call me back. 

Where was my signature? They want me to take a NEW loan, which mean it is a new business relationship and it has nothing with my old load they would need to have written consent. 

I believe it was a fraud, i told them I don't want to refinance, so they sent a more aggressive agent, when he called I said I can not talk, which I couldn't then he mentioned some words which you can guess i wasn't listening because I couldn't talk that time. Now they say I gave consent. I think it is ridiculous and my credit check should be removed from my report.
Complaint sub-issue: Debt is not mine

I sent a certified mail on XXXX XXXX 2015 to National Recovery Agency in reply to a letter I received dated XXXX XXXX, 2015. My letter I asked them to please validate/verify this debt ; I was well within the 30 day period. They responded with a " Itemized Bill that I requested " I do not owe any money to this company. This is just ridiculous. I pay for my private health care.
Complaint sub-issue: Their investigation did not fix an error on your report

Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance {$1000.00} per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information I sent in a dispute to Equifax for XXXX XXXX child support account # XXXX because after pulling my credit report I instantly recognized incorrect information. Equifax stated they verified the Information belongs to me and if I have additional questions about this item to contact XXXX XXXX '' ( XXXX ) XXXX. FIRST Violation. the number they're reporting is incorrect no answer the phone number has been disconnected. SECOND VIOLATION. I drove to the address that's being reported on my credit file XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX CLOSED moved to another location. THIRD VIOLATION. Date opened is incorrect XX/XX/2015 is not the correct date. FOURTH VIOLATION. Balance owed is not XXXX XXXXFIFTH VIOLATION Date of last activity is also incorrect XXXX..SIXTH VIOLATION.. Last payment is also incorrect you're reporting a payment date of XXXX After doing my own investigations I have enclosed supporting documents of verifiable correct information.. side by side views of 3-Bureau credit reports. correct address and phone number as well as correct balances and last payment... please pay {$1000.00} per violations due to your inaccurate reporting I have higher insurance premiums, unsuccessful job applications, security deposits for utilities.. please pay and delete. 





Equifax has violated multiple laws when it comes to an account on my credit report.