Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

On XX/XX/XXXX I purchased/financed a XXXX XXXX XXXX XXXX XXXX through XXXX XXXXl for {$21000.00}. On XX/XX/XXXX I place the XXXX for sale on the internet. On XX/XX/XXXX I was contacted via phone/text by a person claiming to be XXXX XXXX from XXXX XXXX LA. After agreeing on a sales price of XXXX XXXX XXXX advised me that all he needed was the VIN # of the vehicle and his bank can wire the payoff to XXXX XXXX. A few moments later I checked my XXXX XXXX account and it reflected a {$0.00} balance and that the loan was satisfied. That night XXXX XXXX set up a transporter to pick up the XXXX. I called the next morning on XX/XX/XXXX and spoke with a XXXX XXXX  representative and she confirmed the payment and advised me that the Title would be available in 20 days and confirmed my automatic payments where discontinued. On XX/XX/XXXX I was contacted by XXXX XXXX and was advised that it was a scammer and a false payment and that the full amount of {$17000.00} was still due and I would be responsible for paying it. XXXX XXXX has a legal responsibility to protect there consumers from fraud and recognizing false routing numbers and account numbers. I have filed a report with my local law enforcement and I am seeking for the loan to be forgiven and satisfied.
Complaint sub-issue: Information belongs to someone else

I called XXXX  and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : Credco and XXXX XXXX.
Complaint sub-issue: Investigation took more than 30 days

SINCE 2019 I HAVE BEEN SENDING PRIVATE NOTICES LETTER TO THE CREDITS AGENCIES, UNFORTUNALLY THEY HAVE NOT ANSWERED WHAT I HAVE REQUIRED FROM THEM AND HAVE CONTINUED COMMITTING FRAUD WITHOUT DEMONSTRATING WHAT IS REQUESTED, NO PROOF OF DEBT, PLEASE SEE ATTACHED LETTERS SEND AND CONFIRM BY GENERAL POST OFFICE BY  FORM XXXX FOR THE MOST RECENTLY LETTERS. THIS ERROR MUST BE REMOVED, DELETED FROM CREDIT REPORT IMMEDIATLEY, OR I HAVE TO FILED FOR DAMAGES
Complaint sub-issue: Threatened to sue you for very old debt

I was sued by Hunt and Henriques Attorney firm and they got a judgement to levy my bank accounts. I have never received anything from this company before. The original creditor is XXXX  XXXX/XXXX   credit card. Then XXXX XXXX bought the debt and hired Hunt and Henriques to collect the debt. I received the judgement in the mail on XX/XX/XXXX. It states it was mailed on XX/XX/XXXX. The amount of the debt is {$2000.00}. The Statute of Limitations applies to this case. This account is Time Barred. The account was opened in XX/XX/XXXX. The last payment was received by the company on XX/XX/XXXX.
Complaint sub-issue: Problem with fees

This complaints goes back to XX/XX/2019 when I disputed a charge of {$1500.00} made by XXXX XXXX XXXX in XXXX XXXX, New Jersey for their incomplete work done on the XXXX XXXX XXXX  in my XXXX. My credit card company refused to honor it claiming I needed third party verification even though my car was returned the second time. I have been in touch with their corporate office who claimed their workmanship and repairs are guaranteed for 24 months. In any event they charged back the {$1500.00} which is still in dispute in the court. In the interim this card company has been unconscienable. They not only have ruin my outstanding credit record of over 50 years, they are taking the money that I sent them for my initial purchases which amounted to {$330.00}. Instead of giving me credit for these payment, for the last 12 months they have been charging me late fees of {$39.00}. My account due as of XX/XX/XXXX, went from {$1800.00} to {$2200.00}. When I realized what they were doing, I stopped making payments.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, they also violated my rights under 15 U.S.C. 1681 sections 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an account in both my Equifax credit file and on my credit report from XXXX XXXX University, which is listed as the creditor. I contacted Equifax to let them know the information that was being reported was not accurate. I sent Equifax a dispute letter dated XX/XX/2021. I told them there was an incomplete and inaccurate account number, missing date of last payment field, missing date of first delinquency, and the payment history was inaccurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a FINAL goodwill attempt to have you clear up this matter. 

Equifax has even gone as far as constantly updating my information in my credit file and on my credit report as they see fit, whenever they want, and updating whatever fields they please. This is getting ridiculous and I am requesting that this account be deleted immediately or I will sue Equifax for violations of the Fair Credit Reporting act and other state and federal laws. 

It amazes me that Equifax chooses to keep brushing past federal and state laws in hopes that people like me are not smart enough to check our credit reports. I check my credit report every week now, and it seems like every other week Equifax negligently and willfully disobeys these state and federal laws because they feel as if the Fair Credit Reporting Act and other laws do not apply to them. They also remove information and put information back on without mentioning anything about it, which is also a violation and against federal and state laws. The Credit Reporting Agency, or Equifax, continues to violate my rights according to 15 USC 1681.

If this account is not removed my Equifax credit file and credit report, I will take Equifax to federal court over these continuous violations and your total disregard to follow the law and obey my privacy. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person, which is another violation of other federal and state laws in addition to 15 USC 1681 and others. I have a list of violations that I am prepared to use in federal court. This unlawful credit reporting practices has also caused me extreme stress and credit denials.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Account status incorrect

My loan was sold to XXXX care provider at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX care. Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of 30 delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.
Complaint sub-issue: Investigation took more than 30 days

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent XXXX Collection : XXXX ( Original Creditor : 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 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 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: Public record information inaccurate

There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the Equifax, XXXX and XXXX to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a  bankruptcy that belongs to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing an error ( XXXX XXXX ) on my credit report since XXXX. The other agencies have resolved it but Equifax refuses to nor will they provide me any documentation showing the debt is mine. I am trying to obtain a mortgage and now XXXX has changed the date to show the account was opened on XX/XX/XXXX. I have repeatedly filed disputes with Equifax since XXXX and I do not believe anyone is even investigating. Something since XXXX should be resolved by now. I can not believe they changed the date like that with NO proof or documentation? I am upset as this is affecting my interest rate over a debt that I do not owe. I do not want to to go through this for another 10 years.
Complaint sub-issue: Not disclosed as an attempt to collect

After sending a letter to Hunter Warfield requesting validation of a debt that was placed on my credit report, they have failed to respond after numerous attempts to contact them. This debt was satisfied to the original creditor XX/XX/2015.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since XX/XX/2015 states that I am a victim of identity theft.
Complaint sub-issue: Don't agree with the fees charged

The principal balance was {$38000.00} and {$9000.00} in unpaid interest prior to filing bankruptcy, Then when I filed bankruptcy they capitalized the {$9000.00} in interest to the {$38000.00} loan and increase the principal balance to {$47000.00} and now interest is accruing on {$47000.00}. Because I filed bankruptcy, I now owe {$51000.00} due to {$3600.00} in new interest, had the principle balance stayed at {$38000.00} then I would only have been charged {$2900.00} in interest ; therefore, I now have to pay {$690.00} more in interest to date than if the student loans were not capitalized. How is this evil tactic legal? Fed Loan Servicing is kicking me at my worst and is an EVIL company for doing this.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

This company isnt complying with its own Policy in a timely manner, they've had more 30days to respond, i sent out a letter on XX/XX/2021, and im requesting all items involved be permanently deleted from my consumer report
Complaint sub-issue: Information belongs to someone else

I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. Additionally, there are a few addresses on my credit report that are not associated with me. I am not sure how these addresses and breaches may have affected my report, so I decided to contact the credit bureaus for a more thorough investigation. I have not heard a response as of yet.
Complaint sub-issue: Account information incorrect

i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account XXXX put it back on there. they claim that i owe {$110000.00} witch is impossible.i have proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. i simply ask that these ithems to be remove from my credit report thanks
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 60 days and 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX . I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Right to dispute notice not received

I cancelled XXXX over the phone and they kept my account open for an additional month while I was connected with XXXX. When I received a bill from them I told them that I had cancelled my services through them as of XXXX of 2014 but yet they still sent me bills and they turned it over to a collection agency previous collection XXXX had dismissed the bill but now I am getting bills from ENHANCED RECOVERY CORP and they also notified XXXX. If I cancel my service with their customer service, there should be no reason to pay for an additional month.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Complaint sub-issue: Their investigation did not fix an error on your report

they reporting XXXX XXXX, i informed them if they can put in remarks sec that this bank took longer then the require time to correct the chg as they are require to.
Complaint sub-issue: Debt is not mine

After trying to buy a house I noticed on my credit a collections account with ENHANCED RECOVERY COMPANY for XXXX in the amount of {$360.00}. I contacted ENHANCED RECOVERY COMPANY and they can not find any information with my name or social in their system and told me to contact XXXX. After speaking with XXXX, they also can not find any information under my name or social. I disputed this with the credit bureaus. XXXX is the only credit reporting agency that wo n't remove this from my credit. Equifax has already done so. I have emailed XXXX proof of communication with the collection company showing that they can not find anything under my name. This company ENHANCED RECOVERY COMPANY, keeps reporting on my credit each month for a collection even they said I do n't owe and XXXX is allowing this.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit bureaus did not complete a full investigation. Did not removed errors off credit reports.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$160.00}
Complaint sub-issue: Problem getting report or credit score

I tried to check my credit score and it says my name and social security number does not match
Complaint sub-issue: Didn't receive enough information to verify debt

There is a debt collection that I didn't know about, opened Date openedXXXX, I've visited the XXXX website to view my report and just recently seen this debt collection on there and I immediately filed a dispute over the debt collection because I don't know who the debt collector is or what the debt is from that they're trying to collect, I never received any type of notice about the debt. Here 's the info for the debt collection : Account nameDIRECTARMS, Account typeCollection, Date openedXXXX, Status updatedXXXX XXXXXXXX, Balance {$530.00}, Balance updated XX/XX/XXXX, Original balance {$500.00}, Original creditor XXXX XXXX XXXX XXXX This the only way to contact this company, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Went to Conns XXXX XXXX in XX/XX/2020 to shop around. Considered getting a few items but ended up not purchasing anything. But in the process, while discussing their terms for products, a sales associate used my information that was previously stored in their computer from years prior to run my credit report. 

He didn't ask me to run it again, nor did I provide my SSN that day. I guess he was just clicking through and assumed he could just run the credit without asking. So now I have these 2 hard inquiries bringing my score down without even purchasing anything from this store.
Complaint sub-issue: Account status incorrect

Hello, I have noticed my Equifax score is 50-60 points lower than my other bureaus. I then noticed that XXXX XXXX XXXX XXXX ( XXXX ) is reporting that my first date of major delinquency is reporting asXX/XX/XXXX and is still reporting as open. The account seems to be updating monthly as a new delinquency sinceXX/XX/XXXX This accounts actual first date of delinquency was XX/XX/XXXX and charged off. I disputed this information with Equifax ( see attached dispute ) and received the results as accurate oXX/XX/XXXXI called XXXX onXX/XX/XXXX and spoke to a lady in the dispute department. I very clearly explained my situation and was told it was an error through Equifax and not XXXX. I then called Equifax and was told the opposite and that XXXX verified the dates. I feel XXXX is using a new date of delinquency to negatively impact my credit score. The lower score has impacted me financially as I can not obtain reasonable rates or loans. I would like the negative information deleted immediately. 

Attached are three disputes through Equifax that were returned as verified. There is also an image where XXXX is reporting the first date of major delinquency as XX/XX/XXXX and as open.
Complaint sub-issue: Information belongs to someone else

I was given a credit report by Equifax on XX/XX/XXXX of 2022. On that credit report I found 3 hard inquiries that I found to be fraudulent, not made be me. All 3 of them occurred on XX/XX/XXXX of XX/XX/2022 The first was an inquiry made with XX/XX/XXXX Bank XXXX, and the other two were both made with XX/XX/XXXX XXXX, though one was specified as XX/XX/XXXX XXXX XXXX Card and the other was titled as XXXX XXXX Bank XXXX XXXX. I tried contacting Equifax to challenge these inquiries and to have them removed from my credit report for being fraudulent, but they told me that I needed to visit the Federal Trade Commissions website to report the inquiries. After I visited the FTCs website to see how I could report the inquiries, I was redirected to the Consumer Financial Protection Bureaus website to file a complaint about the fraudulent inquiries on my credit report, which is what Im doing now.
Complaint sub-issue: Company closed your account

I had an American express credit card with Macy 's for over 3 years. Just recently, they closed my account without my permission resulting a 25+ credit score decrease on my credit report. I called their customer service line and they told me that they closed the account because of inactivity. I tried to explain to them that I haven't used the credit card for now but I still shop at Macy 's and will need to use it in the future. The representative was unresponsive and told me that she can not open my account back up. I tried to speak to a supervisor but no-one reached out to me. 

This account closure has dropped my credit score more than 25 point and now I wont be able to purchase a home because my credit is not good enough for a loan. The fact that the company closed my account without my permission and didn't even send me a a notice via mail or email is egregious. 

I had a similar issue with my other credit card, but they sent me a letter saying that if I don't use the credit card they will close it. At that point I used the credit card and the account remained open. 

This issue has created many problems for me and now Macy 's does not want to help me resolving this issue. Because of the decrease in credit score on my credit report, my dreams of owning a house have crumbled. 

PLEASE HELP ME REMEDY THIS SITUATION AND MAKE SURE THIS DOES NOT HAPPEN TO ANYONE ELSE!!
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 involve 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 is the inquiry that is reporting on my Credit Reports :