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 account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602A. 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 furnisg 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 crime which antedates the report by more than seven years. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX Bank XXXX XXXX on my credit report is showing charge off when this account was paid in full. I have had to do my own research in making attempts to clear this up and there is no contact information made to the consumer. The contact information on my report with all three credit reporting agencies is as follows : Contact XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This is XXXX credit card services phone number however, XXXX credit card services does not facilitate the card there is an address that you can write to which I have however, the company consistently has NOT responded and the consumer is unable to contact anyone that can directly assist in correcting data that is being reported on credit reporting documents falsely. This was a credit building card taken out as recommended by XXXX and Equifax. This company XXXX XXXX does not serve their consumer fairly. This account was paid in full years ago and closed by the consumer. This was done in a phone call to XXXX XXXX XXXX. through a branch of XXXX XXXX XXXX ( https : //www.cardworks.com/ ). When trying to speak with XXXX XXXX they circle you back to XXXX credit card services and it goes back and forth. NO ONE HAS AN ANSWER! This business is run as a " boiler room '' type of business if you will ; hacking up consumers credit profiles. There is no direct access to these business for the consumer. Therefore the consumer is left making attempts to clear up their account for months which is becoming disabling.
Complaint sub-issue: Account opened as a result of fraud

I called on XX/XX/19 to bb and t and aske them if i was ok to open an account due to a fradulent bank account being open i was unable to do it. Today i was cleared to open the bank account earlier in the morning but upon arrival this afternoon at the branch the story changed saying that there was no paper work sent the manager in charge of my investigation she never answers the phone and ive been dealing with this issue for more than a year.
Complaint sub-issue: Reinserted previously deleted info

On XX/XX/2016, I pulled my credit report from XXXX XXXX. I noticed that Equifax had deleted the XXXX credit card from my credit report. I have attached a copy of that documentation. In pulling my credit report today ( XX/XX/2016 ), you will see that Equifax has reinserted this credit card. See attached.
Complaint sub-issue: Collected or attempted to collect exempt funds

XXXXXXXX XXXX credit card opened in XXXX, made consistent payments. Fell onto hardship in XXXX, tried to negotiate a settlement in XXXX was denied. Tried to file bankruptcy in XXXX and was denied. Negotiated settlements with all other debts and this XXXX XXXX credit card would not work with me. Debt owed was {$6900.00}. For the past XXXX years they have been garnishing my wages, charging 10 % interest per day on the debt owed. Tried to call the again to settle and they wanted me to pay more then the amount owed. This is unreasonable.
Complaint sub-issue: Their investigation did not fix an error on your report

Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this  account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting a collection account on my equifax credit report that doesn't belong to me. I am not the account holder, I was an authorized user on the account. The last update was XX/XX/2019. Account balance is {$1000.00} Amount owed is {$1200.00}. Its reporting 120+ days late. I have disputed the information, and it has come off the other two CRAs.
Complaint sub-issue: Account status incorrect

On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX. I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! Thank you.
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 Equifax credit bureau 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 delete : XXXX XXXX Date Opened XXXX. XXXX, 2015 XXXX : {$0.00}
Complaint sub-issue: Problem during payment process

Hello, I purchased a course valued at {$190.00} on XX/XX/2019 with my citibank double cash back credit card. I had automatic payments set to be executed on the XX/XX/XXXXof every month. The bill was due the 10th of every month. Unfortunately, the auto pay failed to execute and I had to manually pay the bill today XX/XX/2019, which was one day late. This mistake in the auto pay system decreased my XXXX score by XXXX points to XXXX and my XXXX score by XXXX points to XXXX. After I saw my score, I immediately changed the auto pay date to the XX/XX/XXXXt of every month. 

I called citibank, but they did not know how to deal with the problem. They told me that my auto pay plan did pay it on time, but I saw no statement update to prove this. I have provided pictures of my credit score, credit statement, and auto pay plan.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX my bill for XXXX dollars was send to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said they tried reaching me. they never notified me of the payments and just sent it to collections I now can not rent a apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.
Complaint sub-issue: Other problem

On XX/XX/XXXX, I was made aware that Pnc Bank had placed a hold on my checking account for {$5000.00}. This was a request by an attorney 's office due to a judgement. Unfortunately, this made my account negative over {$4000.00}. I have been off work and was tested on XX/XX/20 for the covid-19 virus so having this hold on my account is very stressful at this time. I have made arrangements with the attorneys office for a settlement of {$1000.00} to come out and the remaining to be released immediately. This was faxed to Pnc Bank on XX/XX/20 but the hold is still on my account. I'm requesting help to get this hold removed immediately. I'm also requesting information as to if this was legal to place a hold during this time of pandemic in our country. As you can imagine, this has made it even much more difficult to care for my family. It has also cause a great deal of additional stress for me and my family while I wait for the results of my testing. If you can please help me in anyway, I would greatly appreciate it. 
Thank you. 
XXXX XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

This company has harrassed me with calls and threats about an alleged debt after causing personal injury to my credit report without written consent. I have sent them certified mail in attempts to cure their misconduct first notice on XXXX XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX, second notice on XXXX XXXX. Nemos Collections never supplied any proof of the debt and did not comply with Hippa Regulations along with excessive calls and threats. I have supplied a copy of a call from them which is attached on XX/XX/2022. 


A HIPAA violation is a failure to comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. 

TCPA violations can often be combined with FDCPA violations, as a debt collector may use an automatic dialing system to call your cell phone in order to collect a debt. The statutory penalties for a violation of the TCPA are {$500.00} per violation and up to {$1500.00} per violation for a purposeful violation. 

The FDCPA at 15 U.S.C. 1692d prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 U.S.C. 1692d ( 5 ) specifically forbids a collector from causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been told by equifax that they never received my dispute regardign ID theft on my account. That is completely false, because I have submitted it numerous times before. Equifax is intentionally denying my request to remove the unauthorized account from my credit report. 

XXXX XXXX ( XXXX ) ( XXXX ) This accounts were obtain through fraud and are not mine. I have included previous POLICE REPORTS, FTC ID THEFT REPORT, as well as statements and Equifax has denied my request.
Complaint sub-issue: Account status incorrect

The company i

s Equifax Credit Bureau. Contacted twice. This is the only Credit Bureau reporting this as a negative in my credit. They indicate three negative items on my Credit Bureau report causing a reduced Credit Score. The item in question is : *You have not established a long revolving and/or open-ended account credit history. ( description -- you have not established a long revolving and/or open account credit history -- Your first revolving and/or open-ended account was opened 15 yrs, 10 months ago. ( in your case the age of your oldest revolving and/or open-ended account and /or average age of your revolving credit is relatively " low ''. 15 yrs, 10 months is relatively low? No other Credit Bureau has this listed on my credit bureau as a negative.
Complaint sub-issue: Need information about your loan balance or loan terms

MOHELA is my student loan servicer. I have sent them a message and I've tried to call them to inquire about my income driven repayment plan recertification date. My account says the recert date is XX/XX/2023 but the student aid.gov website has mandated that recertifications are pushed out until at least XX/XX/2023. I've tried calling them many times but there is a complicated convoluted phone tree and I am unable to be able to get through to an agent to discuss the situation. I've also had my phone call dropped numerous times when I tried to recall them. The automated system states that my income driven repayment date is XXXX XXXX and that if I don't recertify then my payment will jump up to {$1400.00}. I am terrified because I would be unable to afford that.
Complaint sub-issue: Problem with fees

on XX/XX/XXXX, my balance was showing on my phone app and the website using my desktop as {$14000.00}. The amount due on XX/XX/2021 was {$500.00} and something dollars ( I can't remember exactly ). I made a payment that day of {$720.00} so it would bring the total down to {$14000.00}. On XX/XX/XXXX, I look at my account and the balance on my account was {$14000.00} instead of {$14000.00} and some change. In addition instead of showing that I have {$0.00} due, it showed that I have {$62.00}. I called the company on XX/XX/XXXX to be told that " oh no worries that will be fixed within day or two. The system has not updated yet. Yes we know you should not have any amount due. '' I waited until Friday, XX/XX/XXXX and called again. I got a representative who told me that he put an order to fix it and that it should be done by Monday at the most. Monday, XX/XX/XXXX came around and nothing was fixed. I called again and again I wait on hold for over an hour but this time I got a " rude '' representative who put me on hold over 5 times back and forth and then finally came back and said that " my manager is literally working on it right now '' and that it should be updated very soon and to call them again on Friday if it is not updated. When I got upset and said that I am not going to call and that I am going to report the company he started getting very rude with me and arguing with me and told me '' ok, don't call! '' So, I am not playing games here and this is a serious issue. You charging me for money that I am not supposed to be paying and not reflecting the right total amount I paid on my account.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a notification through XXXX XXXX that a hard inquiry was done using my social security with US Bank. I do not have a US Bank account. I called them and they confirmed that a credit card application was submitted with my social security, and that it was done using an address that is not mine. On that call, they closed that account.
Complaint sub-issue: Debt is not yours

XX/XX/2022. I received an unsolicited fake debt collection notice via bulk consumer mailer from Jefferson Capital Systems LLC. The notice was sent to my home address for " XXXX XXXX XXXX XXXX '' to pay an alleged debt of {$2400.00} purchased from XXXX XXXX Bank Checking ( XXXX Reference # XXXX ). I have no affiliation with XXXX XXXX, XXXX XXXX XXXX, Jefferson Capital, nor do I owe any outstanding debts. This appears to be a bulk mailer scam to trick random consumers to make payments on falsified debt information. I have included pictures of the mailer.
Complaint sub-issue: Billing dispute for services

I have been charged for an item that I never received from the Vendor XXXX. I advised XXXX that my item never arrived and that the tracking number showed it was delivered to a different location in a completely different state. XXXX told me that they would investigate further into the matter and I have reached out to them many times. I just kept getting the run-around and no response, and now they report late charges to my credit report. This is hurting my ability to buy a home and to seek new employment opportunities. XXXX needs to remove those late payments from my credit report, for a product that I didn't receive due to their negligence. I contact XXXX and they send me to XXXX, I contact XXXX and they send me to XXXX, the whole thing is a charade.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting a new collection to my credit that I never received information on. This is in violation of my 30 day right to dispute as I never got any notice and only saw the collection once I had my credit pulled.
Complaint sub-issue: Account information incorrect

I received a letter from stern recovery on  XXXX  saying the three accounts i have with them will be removed. They stated they would send it to the credit bureau at the end of the month. It is now  XXXX   XXXX  and they are still on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND A ACCOUNT THAT SAY CHARGE OFF THAT IS NOT ACCURATE
Complaint sub-issue: Debt is not yours

CONTACTED XXXX XXXX XXXX  ABOUT THIS DEBT IN THE AMOUNT OF {$340.00}, THIS DEBT IS NOT MINES, COMPANY REFUSED TO SHOW PROOF OF RESPONSIBILTY OF DEBT, I WILL LIKE THIS DEBT TO BE REMOVED NOW FROM ALL THREE CREDIT BUEARUS ASAP. FALSE UNATHORIZED INFORMATION IS LISTED ON MY CREDIT REPORT.
Complaint sub-issue: Account information incorrect

XXXX reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this XXXX mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt was paid

Credit Report Number : XXXX Date Generated : XX/XX/XXXX Account Name : HUNTER WARFIELD Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Original paid : {$140.00} RE : Payment {$140.00} was made to XXXX XXXX and Hunter Warfield is reporting collection on my credit for {$140.00} for the last 8 months. False reporting on my credit violation of fair credit reporting act. 

Original Creditor : XXXX XXXX Contact Info Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have inquiries on my report that I have disputed prior and these inquiries are with companies that I have no open accounts with. Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

Equifax cc cfpb Good morning Equifax and The cfpb I want to first start off and express My feeling and Point of View about the Reporting agency. I have asked Equifax since XXXX 2016 of this year.. via certifed mail and which I have in many disputes via the cfpb website. You have yet to comply with any of my request. Equifax I 'm fully aware that you are not for the consumer at all. I mean The banks pay you people to report consumer 's information. But there are federal laws In place to protect people Like me.. But After carefully reviewing my credit report I noticed Equifax said that THEY Have investigated the barlcaycard account in almost every dispute. what i want to ask equifax how could you have verified the account was mine because on your credit reported the account number is not even MINE I placed a called to XXXX XXXX and they confirmed that there is no account in my name MATCHING THAT ACCOUNT NUMBER Equifax this is so iMportant as to why the governement allow consumer 's to have the right to asked for the original sign document because of this type stuff. god forbid if i had to buy a automobile or house and got a higher rate because of your reporting of negitive info. i also called your company yesterday and ask the rep at equifax to verify the account that you are reporting and she confimed the account number FOR WHICH YOU ARE REPORTING. so i asked you if you could please stop lying to me and the cfpb that you have verify the account and I know you have n't if you did you would have found out that this account is not mine ... I asked you to please remove the XXXX account ALONG WITH THE CLOSED XXXX AND THE CLOSED ONEMAIN ACCOUNT punto from my credit file. and yes XXXX is A S A P IN LAYMAN TERMS.. You should be ashmed of yourself for doing hard working people like this. I KNOW YOU DO NOT HAVE THE ORGINAL DOCUMENTS THAT I BEEN ASKING FOR SINCE XXXX 2016. IF YOU DID YOU WOULD HAVE SENT THEM TO ME BY NOW. AND YOU ARE WAY OVER YOUR 30 DAYS THAT THE FEDERAL GOVERNMENT ALL YOU TO INVESTIGATE DISPUTE. PLEASE REMOVE THE ACCOUNTS THAT I HAVE ASKED YOU TO DO SINCE XX/XX/XXXX. I WILL NOT EXPECT ANYTHING FROM THE ORGINAL CREDITOR ON YOUR BEHALF ...
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and Equifax is reporting incorrect addresses on my report that does not belong to me. The following addresses does not belong to me and needs to be removed immediately XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX
Complaint sub-issue: Sent card you never applied for

I received a debit card from money XXXX point that I have never applied for.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my personal information, including social security number and other vital personal information, to be breached and divulged my information without my consent. This greatly impacts me, as it sets me up to be a victim of identity theft. I have worked hard to maintain good credit and Equifax, either due to negligence or direct intent, has made it possible for my credit to be ruined.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a Complaint last XX/XX/22 but I found out that my Complaints # XXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of the unverifiable accounts found on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXXXXXXXXXXXXXXXXXXXXXXX Balance : {$450.00} ; DEPT OF EDXXXXXXXXXXXXXXXXXXXXXXXXX Balance : {$930.00} XXXX XXXX  XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$280.00} ;
Complaint sub-issue: Their investigation did not fix an error on your report

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX