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

In accordance with the Fair Credit Reporting Act DEPT OF ED/XXXX  Account 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Information is not mine

I disputed an account with Equifax concerning an authorized user account in which I was deleted off of with XXXX but Equifax continued to report after I contacted them by phone and U.S. Mail. I checked my credit report and noticed that there are now charge offs being noted for every single month up to and including XXXX 2015. These insertions were not there before the dispute but they are now. The weird thing is that the authorized user account Equifax seemed to have verified does not match the reporting of the Account Holder. The authorized user account is reporting much more negatively and I believe Equifax did this out of spite because I disputed the account. I am not an authorized user on this account. Equifax needs to remember that authorized user accounts are NOT responsible for the account ; they ca n't order new cards, request statements, etc. Equifax is in violation of falsely verifying this account and continuing to report it. If they verified with XXXX XXXX they would n't have been able to since I am completely deleted off as an authorized user and have been for over a year but yet Equifax continues to update and add more negative information each time it is disputed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit monitoring services recently notified me that XXXX XXXX had made hard inquiries on my credit report to all 3 of the credit bureaus.

I have not applied for any type of credit with XXXX XXXX.

I called XXXX XXXX to get more information and they told me they didn't know anything about it and that I needed to write a letter to each of the credit bureaus.
Complaint sub-issue: Public record information inaccurate

I started to dispute a bankruptcy back XX/XX/XXXX with all three Credit Bureau 's i provided them with the court doc 's showing the bankruptcy was dismissed and no account where filed under the bankruptcy. After a second letter on XX/XX/XXXX XXXX XXXX removed the bankruptcy with the provided documents from the courts showing that is was dismissed with no filing. The same letter and information was sent to Equifax  & XXXX  and they didn't removed it but states they where able to verify it. On XX/XX/XXXX i sent another letter to Equifax & XXXX  showing them that XXXX XXXX removed the bankruptcy back in XXXX. A month or so later they responded again with a letter stating it was verified. After even calling them i still got no where. This is really hendering me and my life. I know by law all three bureau 's must report the same information. I need something to be done.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

THE BUREAUS INC is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.

THE BUREAUS INC have used abusive, deceptive, and unfair debt collection practices.

THE BUREAUS INC have violated my consumer right to privacy, I NEVER gave them any my information directly and THE BUREAUS INC has committed the crime of IDENTITY THEFT.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.

I am holding the THE BUREAUS INC civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Complaint sub-issue: Didn't receive notice of right to dispute

Collections Agency : Jefferson Capital Systems I did not have an opportunity to request account validation. According to my credit report, this collections account was opened on XX/XX/2019. However, I did not see it until it posted on my credit report on XX/XX/2019. There was a derogatory remark on my credit report because I never had an opportunity to dispute account validity. 

Alleged Amount Owed : {$460.00} This company violated federal law.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted back towards the end of XX/XX/2020 early XX/XX/2020 a Identity theft affidavit ( # XXXX ) ( to XXXX, XXXX, and XXXX  who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, AFNI # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX and XXXX  both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX  failed to investigate my dispute by responding with report # XXXX for XX/XX/20 stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO XXXX   WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXt, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/28 I submitted a payment to XXXX XXXX via my Citibank XXXX Acct. I also have a personal checking acct. The personal acct was negative at the time due to Citibank letting a fraudulent charge go though in XXXX which I fought. On XXXX the payment was completely processed and received by XXXX XXXX which I have evidence. I had a balance of XXXX available still AFTER the payment was sent to XXXX  XXXX. Citibank then overdrafted my account {$170.00} which made the joint account negative. I was threatened by a supervisor at Citibank that they would take the money back from XXXX XXXX if I didn't put more money in my account today. 

I was also told they " don't care about XXXX  XXXX and if I receive NSFs from them, it's not their problem '' per the supervisor.
Complaint sub-issue: Their investigation did not fix an error on your report

Adverse account reporting incorrectly on credit report.
Complaint sub-issue: Information belongs to someone else

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX, XXXX XXXX and XXXX XXXX XXXX. I have reached out to my local police and the FTC as advised.
Complaint sub-issue: Account status incorrect

I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX I paid the balance due bc I needed my credit fix with XXXX XXXX  I told XXXX  XXXX  that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the XXXX XXXX XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX  from XXXX XXXX. I keep disputing with XXXX XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX XXXX, 2017 I made an online purchase for a pair of sunglasses. The company, XXXX XXXX sent me an email stating they were out of stock and would I like to wait or cancel the order. I immediately sent them an email back stating I wanted to cancel the order. I heard nothing back. I sent numerous follow up emails, attempted to call them several times and got nothing but a recording and no ability to leave a voicemail. This company had charged my credit card and I wanted them to credit my Citi Mastercard for the amount they charged which was {$140.00}. 
Since I had heard nothing back from them and the charge was still on my credit card, I put in a dispute with Citi Mastercard. I sent Citi a paper trail of the emails I sent to this company requesting they cancel my order and credit my account. I waited over a month for an update from them. They then advised me they were closing the dispute in favor of the merchant because I did not have a cancellation number from the merchant. 
This is an unjust decision because the merchant was negligent in responding with a cancellation number, never sent the sunglasses and I have no control over any of those items. I did everything I possibly could to resolve the situation. I believe Citi Mastercard should have done more to protect my rights as a consumer. I called Citi numerous times, spoke to supervisors and they still advised there was nothing they could do to help. They told me that is Mastercard rules and regulations.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was contacted regarding fraud charges on my account by the fraud detection department. I responded the charges were fraud. Followed by two phone calls verifying that my two citi credit cards both had fraud on them. I notified them that the charges were not me. They confirmed the charges were denied. However, a statement showed a charge did go through on my account. I disputed the charge. I called multiple times to get the status of the dispute. I was told it could take 90 days. Then I get a letter stating my claim was denied because they tried to reach me for more information and couldnt get what they needed so they denied it. Im addition, I have no received any statements for one of my cards since XXXX. Which resulted in late fees. Ive had a year and a half of trouble with citi providing me with statements. They refused to refund any late fees although to my knowledge and my follow up calls, I was not late and paid current on both cards. They have no problem delivering additional promotional offers. But I dont get all my statements, when I call for updates Im given inaccurate information.
Complaint sub-issue: Account information incorrect

I called the credit bureaus on the XX/XX/XXXX XXXXrequesting them to do on investigation on the account below As [ FRAUD According to the FRCA The term Investigative consumer report means a consumer a consumer report or portion thereof in which in formation on a consumers character, general reputation, personal characteristics or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies XXXX # XXXX Date last active is [ inaccurate Open date on account is [ inaccurate Date of last payment [ inaccurate Comment [ inaccurate
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

On XX/XX/2020 I received an alert on my phone from the My Fico app informing me that a collection has been added to my XXXX  and XXXX  account from Progressive Management Systems. I never got a phone call or documentation in the mail from this collection Agency. I mailed them a certified letter on XX/XX/2020 advising them that I never received a phone call or any documentation from them regarding this alleged debt. It has been well over 30 days and I still have not gotten a response from them. The debt was removed from my XXXX  credit report but the debt is still listed on my XXXX. The debt was paid to the original creditor and I was told by them that they could see that Progressive Management did in fact not attempt to notify me of this allege debt and that they would request them to remove this collection off my report because the debt has been paid in full. Progressive Management does not have the right to report allege debt without notifying the person they claim has this debt.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CBNA/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CB/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CBNA Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX MACYS Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I deposited a check for {$2500.00} via mobile banking at KeyBank. Before clicking to confirm the deposit a window came up and said any funds deposited would not be available until Saturday XX/XX/XXXX at XXXX XXXX and asked if I still wanted to proceed with the transaction. I clicked ok and finished the transaction. Saturday XX/XX/XXXX at XXXX XXXX  I tried to pay a bill online and my card was declined. I called customer service and found out they had put another hold on my account until XX/XX/XXXX. They would not take the hold off and they would not cancel my deposit. Had I known this was going to happen I never would have deposited the check there. They lied to me and it has completely destroyed me. I had a work deadline to meet and was counting on that money to finish. Now I have missed the deadline which has cost me thousands. How can this bank tell me one thing and do a complete other? It's ok for them to lie?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2018 XXXX XXXX XXXX reported unrecognized hard inquiry on my XXXX  credit report
Complaint sub-issue: Can't get other flexible options for repaying your loan

XXXX/XXXX/XXXX. I received electronic notice to recertify repayment plan by XXXX/XXXX/XXXX to avoid payment increase beginning XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX. I did my recertification application online at studentloans.gov XXXX/XXXX/XXXX. I inquired about the status of my application via message through the website of Fedloan Servicing ( my services ). 

No response received. 

XXXX/XXXX/XXXX. I inquired a second time via message through the fedloan servicing website. Waiting for response. I am worried that the deadline of XXXX/XXXX/XXXX will pass without my application being properly processed. 

Thank you.
Complaint sub-issue: Public record

Equifax is reporting a tax lien that has been paid and released since XX/XX/2014, and it is currently being reported as a negative item. This should have been removed because the information shows the release date of the lien! 
Both XXXX and XXXX have already updated my credit reports removing the tax lien that has been paid!
Complaint sub-issue: Information belongs to someone else

i would like equifax to remove all XXXX XXXX XXXX XXXX accounts from my credit report. i am including a copy of police report and ftc id theft report. the information on my report from XXXX XXXX XXXX XXXX is wrong and i tried to talk to XXXX XXXX XXXX XXXX about this.
Complaint sub-issue: Debt was result of identity theft

Conn 's Home Plus - {$4100.00} - allegedly opened XX/XX/2015 - charged off This company has adamantly refused to delete a fraudulent charged off credit card account from my credit history. I have submitted all necessary documentation to this company to prove that I never opened this account on several occasions but they claim every time they are holding me accountable. They have absolutely no proof that I opened this account, no proof that I made any payments on it, and no proof that I made charges to the credit card. There is no signature on the alleged contract and they failed to verify the identity of the individual who applied for this account. They confirmed on a recorded line that they never verify the identity of anyone who applies for credit cards online. They do not have a single law they can use to support this account remaining on my credit history. They have ignored numerous letters that I have sent them in the process of verifying this debt and they are unapologetic about the level of inconvenience that they have caused me. 

They are committing extortion by reporting this account on my credit history in an effort to coerce me into paying them money that I do not owe. They are defaming my character on my credit history by falsely reporting this account and it has caused irreparable damage to my integrity. I have been denied for credit, car insurance, jobs, and places to live because of this company. They have been completely uncooperative in having this matter resolved in a timely manner and the supervisors are negligent in managing their staff. Without a signed contract, they can not hold me accountable for anything. They have shared my personal information with 3rd party companies in this process, which increases the risk for more identity theft. I have never authorized them to run my credit report or obtain my personal information. They have never obtained a copy of my ID until sent it to them in the mail demanding that they delete this account. This company is making clear efforts to harass me and they have put my livelihood and reputation in danger due to their willful noncompliance, willful negligence, willful violations, and creditor misconduct.

Louisiana RS 1122 under Credit Agreements to be in Writing says a debtor shall not maintain an action on a credit agreement unless the agreement is in writing, expresses consideration, sets forth the relevant terms and conditions, and is signed by the creditor and the debtor. 

I have sent this company an Affidavit of Identity Theft, a copy of my ID, a copy of my social security card, as well as a notice of a fraud to verify that I have never authorized this account to be opened. When I called to check the status on this, they either say we are still holding you accountable or we have not received those documents. This company is abusing the dispute process in efforts to harass me and they have no regard for the problems that I have incurred as a result of their willful violations. Please instruct this company to delete this debt off of my credit report immediately.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Nelnet takes advantage of young, ignorant students who are unaware of the details of their student loans. Nelnet has illegally cheated many struggling borrowers, including myself, out of our rights to lower payments. Despite my qualification for the income-driven repayment plan XXXX IDR ), Nelnet knowingly steered me towards forbearance. They chose to do this instead of counsel me about more affordable repayment plans because this would result in me overpaying for my student loans. Additionally, over the years, payments were processed incorrectly, and Nelnet failed to act or correct the situation despite complaints. A class action lawsuit is pending, and I need to negotiate a settlement with Nelnet on these student loans.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXBalance {$2100.00} XXXX  XXXXBalance {$590.00} XXXXBalance {$1900.00} XXXX XXXX XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$3500.00} XXXX XXXX XXXXBalance {$15000.00} XXXX XXXX  XXXXBalance {$0.00}
Complaint sub-issue: Debt is not yours

I 've sent several letter asking the company to send proof that the account belongs to me and I still have n't received anything from the company and they are still reporting to the credit bureaus