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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or UPDATE all information which can not be verified. 
XXXX FIN SVC XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Didn't receive notice of right to dispute

I was sent a letter that XXXX was closing and the bills would be sent to XXXX XXXX XXXX. So I waited for a bill to pay because if they are closing how do I pay. 
Instead of it being sent to XXXX XXXX XXXX  it is sent to collections without notice. I can not get any one from XXXX on the phone after weeks of calling no one answers. I had called XXXX to pay the bill and set up payment and they said it was never sent to them. 
Sca credit services refused to send it to XXXX XXXX XXXX  and claim they never heard of such a thing.also then called XXXX they said I have to set it up online but then I told the guy I dont have a statement to set up the act and he said to Contact XXXX  but no one ever answers So this is nuts. If they dont want my money I cant even do anything about it because they are closed ... the bill is not with XXXX  and I will never send a dime to a collection agency that is attempting to hold onto my bill through extortion and fraud means.
Complaint sub-issue: Problem with fees charged

Fact, affiant is aware and has proof in attachment labeled Exhibit A that Carmax XXXX XXXX, XXXX d/b/a Carmax is in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charged the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Carmax XXXX XXXX XXXX XXXX XXXX Carmax did not include my insurance in my finance charge. 


Fact, affiant was not given the option to include insurance into the finance charge, and was threatened by penalty of withholding the vehicle to provide proof of insurance before leaving the dealership. 


Fact, affiant is aware and has proof in attachment labelled as Exhibit A and Exhibit B that Carmax XXXX XXXX, XXXX d/b/a Carmax is in violation of 15 usc 1611. Carmax XXXX XXXX XXXX XXXX d/b/a Carmax willfully and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable. 


Fact, affiant did not receive any forms nor received any clear or conspicuous disclosure of the right to rescind the transaction pursuant to 12 CFR 1026.23 ( b ) 1. See Exhibit C Notice, it is fact that affiant is aware, in the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited only to a principal dwelling, but any contract which includes a security interest, the obligor shall have the right to rescind the transaction until the midnight of the third business day following the consummation or the day the agreement was signed. The rescissions forms are required and must be delivered together with a statement containing the material disclosures required under the Truth in Lending Act. In addition, the creditor must clearly and conspicuously disclose in accordance with regulations of the consumer Financial Bureau. 

Take notice that I also revoke, cancel, and make void from the beginning all powers of attorney, in fact, in presumption, or otherwise, signed either by me or anyone else claiming to act on my behalf with or without my consent as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, " governmental '' departments, agencies or corporations on the grounds of constructive fraud, concealment, and non-disclosure of pertinent facts.
Complaint sub-issue: Information belongs to someone else

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
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Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
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XXXX XXXX XXXX " NO ACCT # '' UNVERIFIED/NO CONTRACT
Complaint sub-issue: Information belongs to someone else

I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. XXXX 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX EQUIFAX : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7XXXX XXXX 8. XXXX 9. XXXX XXXX :
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/XXXX I was notified of an unauthorized charge of XXXX by the collection department at PNC. I was unaware of such a charge. The charges were from XXXX but the notices went to the clinic where my colleague there did not notify me of these charges. It was the other colleague who made the charges that were unauthorized. The credit bureaus were notified, police report filed, account closed, contacted PNC bank and I we had a binding agreement signed by XXXX XXXX ( colleague ) that he would be responsible for all liabilities/debt incurred by the practice which includes the card that he charged. BUT after all of this PNC credit department is still contacting me to repay the unauthorized charges.
Complaint sub-issue: Information belongs to someone else

Personal statement : checking my credit for a store card application I realize that tere were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you.
Complaint sub-issue: Public record information inaccurate

a year ago about I emailed checkr and told them that my information was incorrect and 2 actually take my information off their site because I was involved in a murder case and I had to testify so I didn't want my information and my address and all my history on their website for anybody to find because my life could be in danger and they said okay they would take it off and I look now and a employer search their site and found information that I've never even seen before on there which is incorrect. So I want all my information and all my criminal history and my address and my phone number all that stuff to be taken down off of every public site there is because I feel that my life is in danger.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have a Sears Mastercard and was given a 6 month promotion for a purchase of {$1000.00}. 
The promotion was due to expire on XX/XX/2020. 
I always make full payments on my currant charges for the prior month to avoid interest charges. 
My last statement payment was due on XX/XX/2020 and I made a payment to cover all charges, {$910.00}, made on this statement. 
The credit card company applied my payment to the promotional balance instead of my currant charges despite the fact that the promotion did not expire for 30 days. 
I even took the additional step of calling the credit card company 10 days before the XXXX payment was due to make them aware of how the payment was to be allocated, and was assured by their representative that the entire payment would go to the currant charges and not the promotional balance. 
By applying my payment to the promotional balance I am being charged a very high interest rate, 25.25 %, for a minimum of 2 months on all my purchases. 
This is the second time I have been subjected to this deceptive advertising practice by Sears Mastercard.
Complaint sub-issue: Their investigation did not fix an error on your report

TransunionI have called and talked with XXXX fraud department about suspicious fraudulent accounts and inquiries on my credit report for the third time this year. XXXX may allow me to dispute accounts but not inquiries one time the next time XXXX may allow me to dispute inquiries but not accounts. The inaccurate fraudulent accounts and inquiries are listed below have violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. I have a right to privacy under section ( 602 A ) 15 USC 1681 and section ( 604 A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions and permission. 
ACCOUNTS- XXXX XXXX XXXXXX/XX/XXXX {$9700.00} XXXX XXXX  XX/XX/XXXX {$1200.00} First XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX  XX/XX/XXXX INQUIRIES- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ive XXXX XXXX to update my address phone number and employment history. 
Correct phone # XXXX Correct employment XXXX XXXX XXXXXXXX - XXXX. XXXX Correct Name. XXXX XXXX No consumer reporting agency may make any consumer report containing containing any of the following items of information other than records of convictions of crimes which antedates my report for more than seven years,, 15 USC 1681 C ( AX5 ).

15 USC 1681 s-2 ( AX1 ) states that no one shall furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Equifax Correct address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Incorrect address XXXX XXXX XXXX XXXX, XXXX XXXX Accounts XXXX XXXX. XXXX, XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX, XXXX {$390.00} XXXX Bank XXXX XXXX, XXXX. {$3100.00} XXXX XXXX XXXX XXXX, XXXX. {$1700.00} XXXX XXXX. XXXX XXXX, XXXX. {$0.00} XXXX XXXX XXXX XXXX, XXXX {$2900.00} XXXX XXXX. XX/XX/XXXX. {$1200.00} XXXX XXXX XXXX XXXX, XXXX. {$9700.00} XXXX La. XX/XX/XXXX {$0.00} XXXX La. XX/XX/XXXX. {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  - Correct address. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Incorrect addresses ( XXXX ) XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Accounts- XXXX XXXX XXXX {$17000.00} account # XXXX XXXX XXXX XXXX {$46000.00} account # XXXX XXXX XXXX XXXXXXXX. {$1900.00} account # XXXX XXXXXXXX XXXX XXXXXXXX. {$3000.00} account # XXXX XXXXXXXX XXXX XXXX {$390.00} account # XXXX XXXXXXXX XXXX XXXXXXXX. {$8000.00} account # XXXX XXXX XXXX XXXX. {$1300.00} account # XXXX XXXX XXXX XXXX. {$0.00} account # XXXX XXXX XXXX. XXXX {$0.00} account # XXXX XXXX XXXX. XXXX. {$0.00} account # XXXX
Complaint sub-issue: Received bad information about my loan

I attended XXXX College, a XXXX College in 2012 and was set up with a private loan through Genesis Lending. As well as a Federal Loan. I received no state help and left responsible for a large balance, attending a school that treated their students with no respect. They were welcoming and polite when recruiting you to attend their school but once they stuck you with a large debt and received their money, the politeness was out the door. There were so many promises and guarantee 's made with no follow through. I struggled to make the payments while I was in school, this was something I was not informed of until I started receiving bills and told if I did not pay or made a late payment I would be pulled from class and not allowed back until my account was up to date. Any time you showed up a few minutes late, miss a day due to a funeral or when I missed a few days due to an illness in which I provided a doctors note XXXX, I was threatened to be kicked out and the administration always brought it back to how much money is being provided to us for being there. I finished with straight A 's and a huge debt I struggle to pay but make sure I never default so my credit stays in tact. Dealing with the lender has been a nightmare. I am set up for auto pay to avoid dealing with the lender. Often they do not pull on the scheduled date which turns into many calls in XXXX day harassing me to pay my bill. It 's not my fault they 're system is messed up and I do not appreciate the calls. Multiple times they charged my account XXXX, they point the finger and claim to not be able to reverse my payment. My interest rate is ridiculous. I was told the lowest they ever give anyone is 12 % no matter what your credit score is. I 've contacted the school many times to receive paperwork they 'd promised to provide and after many attempts, they have yet to deliver my request. I recently received a letter that Genesis is transferring my loan over to XXXX. I would never recommend anyone to XXXX Colleges.
Complaint sub-issue: Reporting company used your report improperly

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Complaint sub-issue: Account information incorrect

I noticed 3 hard inquiries on my account, which I am totally unaware of and never conducted/applied to. Please see below inquiries 1.  XXXX XXXX  XXXX -XX/XX/XXXXXX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX -mXXXX Accounts that showed I have past due amount 1. Noticed I have passed 30 days on my XXXX 's account in XX/XX/XXXX. I was a victim of fraud, called XXXX XXXX immediately to close the account but they never did until the next month. I should not be held liable for purchases I never made 2. XXXX   XXXX XXXX XXXX - I paid off my balance and asked them to close my account. I was never late with my payments. However, they received that payment one day after my due date and is telling me I am past due ( I know most customers have a grace period ). When I called customer care, the rep was unwilling to help me and hang the phone up on me ( person was very XXXX )
Complaint sub-issue: Company closed your account

On XX/XX/2019 CitiCards closed my credit card that I've had for over 13 years without warning or notification. 

I called and spoke with their customer service team and they let me know that since I hadn't used the card for two years their policy is close the card. 

They would only let me reapply by running my credit again to open a new card, but they gave me no reassurance that it would be the exact same account number. 

It made no sense to me why they couldn't accommodate my request to just reopen the same card.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX XXXX that was unauthorized by me. My personal info has been compromised in a the Equifax Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus say they have completed an investigation and have verified these inquiries. I have no idea how because these are not my inquiries. 
This is Inaccuracy and false reporting. And they are really hindering my credit report. 
TO WHOM THIS MAY CONCERN PLEASE HELP!! 

XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Union 1 Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - Mortgage Reporters XX/XX/XXXX XXXX Mortgage Solutions Mortgage Brokers XX/XX/XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

After viewing my credit report, I noticed accounts that do not belong to me. These accounts were placed on my credit report without notifying me 5 days before placing th accounts on my report. I have asked Equifax to send me copies of an original contract or bill showing my name, address, and signature. Equifax still has not provided this information for the accounts listed below XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections