Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act. The List of below Inquiries has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX has violated my rights. 

XXXX XXXX/0600 Mortgage Reporters : Inquiry date XXXX, XXXX has violated my rights. 

XXXX XXXX Back Credit Cards : Inquiry date XX/XX/XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

I keep calling the number they have and Im getting the run around. 
I see a report by aqua finance and i never had an account with them.
Complaint sub-issue: Their investigation did not fix an error on your report

I settled a XXXX  XXXX collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The key phrase in that paragraph is : " RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I booked a vacation with my Citicard credit card for {$970.00}. This was booked through XXXX. Due to the COVID-19 outbreak my trip was canceled by XXXX- including my XXXX, I do not even have a voucher for the XXXX XXXX XXXX ticket. I disputed the charge through Citicard as when I contacted XXXX for the refund I was told to go through my credit card company for the refund, this is also posted directly on XXXX website. I received notification on XX/XX/XXXX that Citicard would Not be refunding me my money. How is this possible when the trip was canceled by XXXX  ( not by me ) and XXXX is starting to contact the credit card company because XXXX never actually paid anyone?
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I paid discover {$300.00} and they accepted it from my XXXX bank account which reflected by them reducing the month of XXXX down to {$140.00}. Now when I am looking ; the payment increased as well as the amount I still owe on the card is the same and never decreased by {$300.00}. I called them numerous times trying to work out the lower payment which they refused to do without giving me any answers. They took my {$300.00} and never reflected that on my credit report. All I want it to be reduced down to {$140.00} for XX/XX/2022 and my credit report to reflect this.
Complaint sub-issue: Problem with rewards from credit card

Sears closed my account with out any notification to me prior to closing the account. 
A week before my card was due to expire, I called customer service and ordered a new card. 
They never mentioned the account was closed. 
The new card arrived after my account was closed with out my knowledge. 
When the new card arrived with the expired card date I called Sears Card Service. 
That is when I was told the account was closed. 
I had a very large amount of rewards points that disappeared when the account was closed. I demanded that they be returned. They quoted me that the request had to be made with in 60 days of the account closing. I was calling less than 1 week after the account was closed, well with in the 60 day period. 
I spent many hours on the phone between three different areas of the credit card company and also the rewards management company. 
They all stated they would follow up with the proper people necessary to restore my rewards points. They lied. That never happened. 
The rewards points have a cash value and I want them restored. 

Now I have another problem. 
I went in person to a Sears store to make my last payment. I now have no valid credit card but, I did have the bottom portion of my statement with my account information. 
I made a {$300.00} payment to the statement that was mailed to me 0n XX/XX/18. 
This week in the mail I received two statements.

One statement has a late charge and no payment shown. 
The other statement shows a {$0.00} balance with a {$300.00} credit. 

I am completely frustrated trying to deal with these people and need your help please. 
I have been trying very hard to restore my good credit rating. This company seems to be doing everything possible to help destroy my credit. 
They are also very dishonest as they promised that my rewards points would be restored. That never happened. No one ever bothered to follow up with my request.
Complaint sub-issue: Reporting company used your report improperly

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

On XX/XX/2021 I sent a dispute validation letter, cease and desist letter to USCB Corporation. Under 15 USC 1692 C ( c ), 15 USC 1692 C ( c ) ( 2 ), 15 USC 1692G this company is in Federal Violation and did not follow the proper guidelines under the Fair Debt Collection Practices Act.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to all three of the credit bureau on XX/XX/2021, and have not heard anything back from any of the three. Its been over 30 days which now make me feel as I am not liable for the debt and it need to be removed.
Complaint sub-issue: Report provided to employer without your written authorization

This company Checkr, by way of fraud, stole my information and sold it to an employer without my consent or knowledge. They then admitted to the fraud by sending me a mailed/emailed copy of them furnishing my information. 

This has prevented me employment for the past 3 years.
Complaint sub-issue: Other problem

I had a negative balance on my Citi credit card due to events/concerts being canceled because of Covid-19. I had that credit on there for months. 

Without my knowledge, Citi then issued a check on XX/XX/XXXX for {$2200.00}. I didn't get a letter or anything regarding this. I then logged into my account on XX/XX/2020, noticed that my balance was now {$0.00}, and called to see what was going on. 

They said a check was issued on XXXX, and it should take 7 -  14 days to get mailed to me. I said it's already been that long. They said to wait a couple days. I waited and it still didn't come so I called back on XX/XX/XXXX, and they said they'll put a stop payment and then asked for my bank details and said they'll do an ACH transfer directly to my bank account and it should be there within 3-5 days. 

Here we are now, XX/XX/XXXX, and I still have nothing in my bank account. I repeatedly called them and no one can answer where my money has gone. 

I need this money into my bank account ASAP.
Complaint sub-issue: Account status incorrect

They did not accurately verify that my XXXX account was in fact closed. I have disputed twice and they still have not updated the information and removed it from my report. They are inaccurately reporting repossession on my XXXX account even with payment history documents attached.
Complaint sub-issue: Talked to a third-party about your debt

Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX  ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!
Complaint sub-issue: Old information reappears or never goes away

I have disputed an old XXXX account with Equifax and XXXX over a course of two years. The XXXX account has been closed ; however, a balance is reporting on my Equifax report as collections. Equifax has not provided any updated information on the validation of this account. I have requested a validation from XXXX too. To date, I have not received any information regarding this alleged account appearing on my credit report. Furthermore, I received a legal notice that my Equifax credit report has been hacked in 2017. Equifax has not provided any new information on disputes that I have requested or any new updates of the security breach.
Complaint sub-issue: Their investigation did not fix an error on your report

Was promoted to XXXX because of recent hacking into XXXX XXXX accounts. I decided to use it to protect my credit. Lo and behold, suddenly a {$920.00} bill from XXXX/XXXX  shows up from 2010, when I was no longer a customer. I have NEVER been notified of this debt, nor do I owe it. I pay my bills on time. How can a company NOT notify me, yet try and ruin my credit and reputation without me being even aware. My Score dropped by 51 points. My scam alert is now on high! I filed a dispute with XXXX, but two days later they tell me I owe the false bill! I am so angry I can chew nails. Please!!!!! HELP!
Complaint sub-issue: Personal information incorrect

There are addresses on my credit report that do not belong to me that I have never lived at. My ex-wife is the only person that resided at those addresses so therefore I believe she might be using my social security number or my credit resources.
Complaint sub-issue: Information belongs to someone else

ACH transactions from an account at PNC Bank ( {$900.00} on XX/XX/XXXX,  {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. 

PNC 's records do not indicate that I have ever had a relationship with PNC per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by XXXX XXXX summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
Complaint sub-issue: Contacted your employer

I have been harassed by this company and their subsidiaries for a disputed debt, which I have provided written communication to asking for proof of their right to collect, where the debt came from and when. I have asked and written numerous times to stop calling me threatening jail time, calling my workplace after being asked numerous times to stop ( I didn't even work at during the alleged time the debt occurred ), and now marking my credit report without any phone calls, emails, mail... nothing stating who they are or what debt they're trying to collect. More than one of their fake " process servers '' told me I can't find out until I pay it. They have used every illegal debt collection practice possible in order to bully and harass me, up to and including telling my co-worker I have a warrant and people are coming to my work to pick me up. They are also pretending to be " Vance and Huffman '' an attorney ( they are not ) in order to pressure me and now I found out this company is the same one as XXXX XXXX XXXX. And today, yet another call to my workplace.
Complaint sub-issue: Right to dispute notice not received

A breach of a debt collector, for XXXX account, which never existed in the manner presented. It has affected me a great deal, by delaying mortgage loan process closing down on my first home loan on XXXX/XXXX/15. 
I was devastated about the action by the third party I have never heard before. I had not received any statement of collections from them about this debt. 
I had not receive any notice from this third party ( Enhanced Recovery Company ) prior, but they sent the debt to the credit agencies which it apparently stopped the home closing. 
I sent a letter of protest on XXXX/XXXX/15 to ( Enhanced Recovery Company ) the third party agency collecting for XXXX. 
XXXX This Saturday XXXX/XXXX/15 was the first time receiving a letter from ( ERC ) about this account collection via XXXX. I had sent them protest notice on XXXX/XXXX/15, but the debt had already reported to all credit agencies before notifying me. This is against consumer right & protectionI will like to pursue legal action against Enhanced Recovery Company and XXXX. 
Sincerely, XXXX XXXX
Complaint sub-issue: Threatened to sue on too old debt

Debts were incurred to Citibank around XXXX years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( national recovery center, inc. ) is now attempting to collect this debt. ( note, i submitted an earlier complaint against XXXX. that name was incorrect, and this complaint corrects that mistake ).
Complaint sub-issue: Reporting company used your report improperly

XX/XX/18 - A Fraudulent security alert was placed on my XXXX  Report, XXXX / XXXX. - A credit card For XXXX XXXX XXXX  was opened and I was never informed and Never Opened that credit account!! 

I didnt notice until I checked my XXXX  report that it was up there, but XXXX  removed it, Now I been dispute it was XXXX  but they no help and sent over all the info! 

THE QUESTIONS IS HOW THE ACCOUNT WAS OPENED IN THE 1ST PLACE WHEN A FRAUDULENT ALERT WAS PLACED ON MY REPORT?
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, I mailed out a letter for inquires to be removed. I was told by Equifax XXXX XXXX XXXX XXXX XXXX that the inquires could not be removed because they were verified as accurate. I advised him that they were not VALIDATED and should be removed. XXXX refuse to do it stating that for him to remove the inquiries he will need a police report or a report from the federal trade commission. I then asked to speak with his XXXX. XXXX XXXX, XXXX XXXX XXXX stated confirmed that he could not remove the inquires without a police report because it is their policy. I asked him to email or mail me that policy and he stated that he can not do that. I then asked to speak with his XXXX. XXXX XXXX, XXXX XXXX XXXX stated that Equifax does not investigate inquires unless it is considered fraud, other than that it is consider accurate unless the creditors remove it. I told XXXX that I will be filing a complaint with the CFPB because I know for a FACT that the information, she is telling me is incorrect. I told her that, all inquiries should be investigated and validated before being considered accurate. She then kept saying that it is Equifax policy to investigate and validate ONLY fraudulent inquiries and she said for them to be removed a police report or a federal trade commission report should be submitted then and ONLY they will be removed. I knew then they were a bunch of LIARS! I told her that if this the police then why were some of the other inquires removed at the time, I made the phone call back in XXXX. She then said once the inquiries have been removed, they can no longer see them so she can not verify that. I said so you can't read the past notes on the account she said no. Then I asked for corporate of Equifax number and XXXX said that she can not give corporates information and that I would have to look it up. 


Equifax NEEDS to provide PROOF of documentation showing the inquires on my account are Validated NOT Verified. That Should include providing proof of contract between me and the original creditor stating that I authorized them permission to run my credit. Without proof of a signed contract by me to the furnishers the following inquiries should be removed ASAP from my credit report! Once again these inquires have no permissible use
Complaint sub-issue: Information belongs to someone else

Hello : XXXX XXXX  keep putting this auto loan on my account. Someone stole my identity and created a fake id and went and bought a vehicle in my name. I have contacted them multiple times and they keep adding this account to my credit report. Equifax is reporting this fake account on my report. I did not authorize this, I need them to remove it from my account and stop putting it back on there. It's illegal to add false information to credit reports. 


Someone must have created a fake id and posed as me and you all keep putting this account on my credit report. I was a victim of identity theft and this account is a fraudulent account and you all keep placing it on my report. 

I have ask you all to stop placing this account on my Equifax report. You all are allowed not to lend me a auto loan but you all are violating my civil rights and I will be suing you all if you dont take this account off my Equifax credit report. I dont ever want to do business if you all dont assist people with fraudulent information and keep insisting that this account is mine. I have never had an account with you all and its illegal to keep adding fake accounts to peoples credit reports. 

Please remove this account before I contact the law and sue you all. I already submitted a identity theft affidavit and you all still wont assist me in removing this fraudulent account or I will be filing a lawsuit against you all. 

Please remove this asap. 

XXXX XXXX
Complaint sub-issue: Account status

I have a charge off with XXXX that ended XX/XX/2013. The lender is reporting the charge-off every month as a current status known as re-aging which is illegal. Equifax refuses to make the lender comply with the Fair Credit Reporting Act FCRA 623 ( a ) and remove all " CO '' status on credit report after XX/XX/2013. Re-aging causes a negative account to appear more recent. The more recent the charge-off appears to be, the more detrimental to my credit scores. Re-aging also causes an item to stay on my credit report longer which is illegal. The Fair Credit Reporting Act states : " The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. '' I am writing to dispute XXXX on my credit report with Equifax. The amount and current monthly status listed on the account is incorrect. I request the account be deleted immediately for compliance with the Fair Credit Reporting Act and FTC, and Consumer Financial Protection Bureau ( CFPB ) from my Equifax credit report. Both XXXX and XXXX are reporting the account correctly. Please see attached. If you look at the other charge-off accounts you will notice they are not reporting with " CO '' every month. I have highlighted this account and another that is reporting incorrectly. Additionally, I highlighted XXXX, XXXX XXXX XXXX, and a couple of that are reporting correctly so you can see the difference. Please make Equifax correct my credit report.
Complaint sub-issue: Debt is not yours

I C SYSTEMS INC HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX {$17000.00} ; 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 XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; FACTUAL DATA XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.