Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

In XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have three accounts on my Equifax report that are fraud ( XXXX, XXXX and XXXX ). I have sent my FTC indentity theft report, police report, a letter notifying them of the fraud from the FTC, a copy of section FCRA 605B, a copy of my license and social security card. 

Equifax still has not removed it. I sent this information on XX/XX/XXXX, XXXX and XX/XX/XXXX and have fax receipt. I have also mailed anther copy on XX/XX/XXXX. At this point Equifax is in direct violation of mt rights. Every other CRA has complied but Equifax has not. 

If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. I would prefer the accounts XXXX XXXX, XXXX and XXXX be blocked. However my next step is legal action.
Complaint sub-issue: Reporting company used your report improperly

Equifax violated 5 of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Equifax also violated the following federally protected rights and I sent Equifax an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations.

15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries were unauthorized and I submitted an initial complaint for. With XXXX, I only had three accounts. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX The follow inquiries were unauthorized and is a new complaint. 

XX/XX/2020 XXXX XXXX
Complaint sub-issue: Account status

XX/XX/XXXX XXXX XXXX, XXXX XXXX Re : case # XXXX Dispute 30 day Late payment due to banking error Account # XXXX XXXX Billing Inquiries XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute a late payment billing error in the amount of {$120.00} on my XXXX account # XXXX. The amount is inaccurate because 1. I made my monthly payment of {$120.00} on XX/XX/XXXX via website to my credit card company ( XXXX ) 2. I had available funds of {$470.00} on XX/XX/XXXX in my bank account with ( XXXX Card account # XXXX ) to cover the payment with XXXX 3. My bank account ( XXXX Card Card ) processed the payment on XX/XX/XXXX which I still had available funds of $ {$430.00}, but my bank returned the payment in error. 
4. As a result I am now showing a 30 day late payment of {$120.00} with XXXX on my credit report ( XXXX Equifax/ XXXX ) due to the bank error with XXXX XXXX XXXX . 
5. I have disputed this bank error to my Credit Card Company ( XXXX ) and the 30 day late still remains on my credit report resulting in negative credit reporting. 
I am requesting that the 30 day late payment error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and accurate credit reporting with ( XXXX Equifax/ XXXX ). 
Enclosed are copies of XXXX payment conformation/ statements, and my bank XXXX transaction history supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely, XXXX Enclosures : XXXX statement XXXX payment conformation XXXX dispute letter XXXX XXXX XXXX transaction history Dispute letter with Equifax Dispute letter with XXXX Dispute letter with XXXX
Complaint sub-issue: Can't stop withdrawals from your account

I needed a vehicle transported. I inquired with several companies. On XX/XX/XXXX I got a text from XXXX XXXX of XXXX XXXX XXXX saying they would be able to transport my vehicle. We corresponded via text multiple times. A contract was sent to me via email that I signed off on. To secure a XXXX and pick up they needed a deposit of {$400.00}. I XXXX  {$400.00} to the XXXX account provided to me. Shortly there after, all communication was stopped and the phone number was disconnected. On XX/XX/XXXX I called XXXX XXXX XXXX and they confirmed the gentleman I was talking to XXXX XXXX, was a scam artist. So I immediately called FirstBank to see if the transfer could be stopped. They informed me it was too late and nothing could be done. Emails associated with this scam include : XXXX, XXXX, XXXX. Names of people associated with this scan include : XXXX XXXX, XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

My Equifax credit report has been split for more than a year. Attempts to correct the error by phone have not been successful as I can not get past their identity questions. The last time I called they asked 11 questions, most have nothing to do with the information on my report. IT SHOULD NOT BE THIS DIFFICULT TO TALK TO A CONSUMER REPORTING AGENCY VIA PHONE. The version of my report that is mailed should contain a total of 28 accounts : 20 closed & paid student loans, 4 credit cards, 3 closed paid auto loans and 1 closed gasoline account. It contains 26. The other 2 accounts are only being reported in my online MyEquifax account. This also results in XXXX never being able to verify my identity and send my report because there are two different Equifax reports. All 28 of the accounts are mine and reporting correctly. A letter to Equifax via Certified Mail dated XX/XX/2021 asking them to merge the two reports resulted in 4 of my student loans being removed as " belonging to me. '' Student loans were never part of the issue and were not mentioned in my letter. The mailed version of the report is still missing 2 accounts that have been reporting to them for more than a year. As of today, the online report shows only 3 accounts : 2 credit cards and the closed gasoline account. I am requesting your assistance in obtaining a complete report containing all 28 accounts so that my credit score accurately reflects all 28 accounts.
Complaint sub-issue: Information belongs to someone else

In response to CFPB complaint # XXXX, My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against XXXX XXXX  for violating a cease and desist notice they received on XXXX XX/XX/XXXX and continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX  and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX any right to collect on this alleged date. It is my belief that XXXX XXXX is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX  can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX  can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and XXXX XXXX continues its collection efforts I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also XXXX XXXX has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt. A charge off is considered income and income is not to be reported to a consumer report.
Complaint sub-issue: Account status incorrect

I've been a customer with money Lion for about XXXX years. I have had XXXX {$500.00} loans with them, both of which were made on time payments and paid off early. It's important that I mention that I reported to money lion about a situation with my card being skimmed back in XXXX. It took XXXX months for me to get {$220.00} back into my account. During that time I stopped XXXX membership payments of {$20.00} each for XXXX months. In turn Money Lion reported my account as being late on XXXX loan payments which is not the case. I've tried on multiple occasions to shed light on this situation to a money lion representative. The last time I did, was XXXX days ago and the representative told me to dispute with credit bureaus, to which I have but to no avail.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX i applied for a new line of credit to finance a purchase, however I was denied by the lender ( XXXX  XXXX ) based on my Equifax report with the cited reason GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION However, my credit report shows no record of any such negative action. I am not sure if this is an Equifax reporting error or a XXXX XXXX reviewing error, but either way it has created an issue because I am unable to dispute a claim that does not appear on my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint against : Citi Cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Account No : XXXX I am a XXXX ( XXXX ), on XXXX XXXX I made an online reservation for, XXXX XXXX in New York on XXXX XXXX, for my daughters XXXX birthday, for XXXX XXXX. 
Two days before I called the hotel to request a room with view of XXXX XXXX, they told me it was not the XXXX XXXX on XXXX XXXX, they were willing to cancel my reservation free of charge since it was more than 24 hours before my scheduled arrival, however they told me since the booking company has already charged my credit card, I need to call the booking co. I called the booking co, had to make multiple calls/holding for more than two hours, I was told that I can not cancel my booking, since I had to do it 7 days in advance. 

Then I called Citibank my credit card co to dispute this charge, they sent me a letter dated XXXX XXXX, which states " since merchants not agreed to accept your cancellation request, we are unable to assist you in obtaining credit for this dispute ''. 

Its industry standard, hotels charge your credit card on check in, you can cancel your serration 24 hours in advance. 
This booking co ( XXXX XXXX ) had total disregard for these industry standards, and also charged my credit card XXXX days prior to my arrival, {$710.00}. 

When I contacted Citibank, they failed to provide me any consumer protections.
Complaint sub-issue: Account status incorrect

I have been making on-time payments to XXXX since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested XXXX   to stop auto-pay since I was severely affected but XXXX still tried to process and take money form my bank account which did not have any money in it. I again contacted XXXX and requested for a relief that was granted but XXXX still reported late payment to credit reporting agencies. I contacted XXXX and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.
Complaint sub-issue: Reporting company used your report improperly

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX ACCT # XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection angecy. I will await your reply with the above requested proof Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after All accounts in dispute listed below.
Complaint sub-issue: Their investigation did not fix an error on your report

I am listed as an authorized user on 2 XXXX credit cards on my Equifax report that are both in negative standing. I requested to be removed in from the accounts and followed up with a dispute on XX/XX/2020 with XXXX. The accounts were removed from both XXXX and XXXX, but not Equifax. When I disputed the request and provided the documentation, XXXX and Equifax still refused to remove the accounts. Ive disputed these accounts multiple times only to receive the same response every 60 days.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Received a mailing offer, open a business checking account with US bank with promo code, and receive {$500.00} bonus. 

Went ahead and opened the account on XX/XX/22 and funded {$5000.00}, enrolled to online banking, and made 5 {$10.00} bill pay transactions. So all qualifying conditions are met but US bank never honored the {$500.00} bonus. Proceeded to call the US bank customer service ( XXXX ) 4 separate times, each time they promised to looking into the issue and follow up, each time no follow up occurred and still no {$500.00} bonus was given.
Complaint sub-issue: Information belongs to someone else

I have a collections for {$450.00} XXXX  XXXX credit on my consumer report that is fraud and identity and is under a address I have never lived
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Multiple hard inquiries ( seven total ) spanning from XX/XX/XXXX to XX/XX/XXXX by Clarity services on behalf of XXXX XXXX ( leasing company for XXXX XXXX ). These inquires are only on XXXX I tried to resolve with the Clarity services but the only response I got was " we had some computer problems around that time, it 's been fixed ). It has not been fixed for me. They appear on my report as " finance reseller '' making it appear as if I looking for payday loans etc. I 've never applied for personal loan or payday loan. 
I have not looked at my credit report in well over two years, so I was unaware of this issue until I applied for a car loan. 
Also, this means that my credit score suffered for year due to these unauthorized inquires and most likely paid higher interest rates unnecessarily. 
On XXXX XXXX I did lease a phone through XXXX XXXX, but there is no inquiry with that date and no inquires by them since.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, well over 60 days later I have not received a response. I feel like they are taking advantage of my by ignoring my disputes. I'm aware that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I have also attached a photo of my government ID.
Complaint sub-issue: Didn't receive notice of right to dispute

Jefferson Capital Systems I am responding to your notice that you placed in my con-sumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Complaint sub-issue: Debt is not mine

I called XXXX to ask why there is a collection of {$290.00}. I 've had an account with them for years and never owed them. I called to request XXXX service for television Only to be told after signing up that it is not offered in my area. I never received equipment. But I notice whenever I called on my telephone service I was ask by an electronic voice " Is it about my XXXX account? '' No because I could n't have a service that was not offered in my area. This is from year 2011.
Complaint sub-issue: Information belongs to someone else

My account had had another social security number associated with it for a year. XXXX XXXX XXXX has allowed this to start, and go on, and I'm furious. My credit is so out of whack!
Complaint sub-issue: Debt is not yours

my lease ended on XX/XX/2019, on XX/XX/2019 i signed a a new lease, back in XX/XX/2019 i lost my job so i went to the leasing office and explained them my situation, they started playing with me likes the person is not here, that i have to sign other form etc.so i paid until my last day at the condo ( by the way i was paying on time every month ) and left.i don't really understand why they want me to pay them if my renewal was never done.knowing that the situation could affect my credit, i called hunter warfield inc and acccept to pay XXXX per month ( eventhouth i don't accept the debt ) in order to keep my credit ok for wish they agreed.after a few months i find out that it was on my credit so i stoped paying for something i did not agreed on the first place.in my opinion this is an scam that this leasing co is doing to the tenants.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LENDING CLUB CORPORATE, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am XXXX  and XXXX  by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud claims.