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

I leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till mid-XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.
Complaint sub-issue: Account information incorrect

Equifax is depicting XXXX/XXXX XXXX, ACCOUNT NUMBER XXXX ON THEIR BUREAU REPORT. 
ON XX/XX/2019 I SENT IN A DISPUTE BY MAIL.THE ACCOUNT WAS NOT INVESTIGATED OR PUT UNDER DISPUTE.THERFOR I SUBMIT THE FOLLOWIN : THIS ACCOUNT WAS ESTABLISHED GIVING CREDIT TO PURCHASE MERCHANDISE, A RING.THE ORIGINAL AMOUNT WAS OVER $ 3000.AFTER PAYING ABOUT {$1000.00} IN PAYMENTS I FOUND OUT THE REAL VALUE OF THE MERCHANDISE ... .NOT DUE TO DEVALUATION OF GOLD OR DIAMONDS THE RING IS NOT WORTH {$300.00} DUE TO POOR QUALITY.I QUIT MAKING PAYMENTS AND GAVE UP TRYING TO SELL THE MERCHANDISE.I FOUND THAT IN CALIFORNIA WE HAVE IMPLIED WARRANTY LAWS THAT ARE NOT DEFEATED BY CONTRACT DISCLAIMER.THE RING DID NOT HAVE ANYWHERE CLOSE TO THE VALUE STATED AT PURCHASE.I WAS DEFRAUDED BY THE MERCHANT CREDITOR AT PURCHASE ... ... ... ... .DELETE FROM MY REPORT.
Complaint sub-issue: Deposits and withdrawals

All I want to do is link my PNC Bank account with XXXX and PNC will not allow me to do that. They are keeping me from making investments for my future earnings. Unacceptable.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Billing problem

I sent a payment through online banking at XXXX  XXXX XXXX XXXX Ally Financial XXXX XXXX for an auto loan for {$470.00} that settled on my bank account on XX/XX/XXXX. We received an email that we hadn't made the payment. When I looked online at XXXX I realized I made the payment on a loan that we had already paid off. I immediately called Ally on XX/XX/XXXX. They gave me a case number and told me to check back in XXXX to 3 days and payment should be processed. Still nothing. On XX/XX/XXXX I called again and they told me to fax in proof of payment and a letter explaining what happened. I did that on XX/XX/XXXX. On XXXX I started an online chat to see if they received my fax and status. After almost an hour of going back and forth with the agent he told me that the payment was posted to the account. I explained it wasn't showing online and still receiving emails and text past due. He then tells me it was applied to the old account and any overpayment will be returned. As it continues he just tells me the overpayment will be returned. I ask him for proof and details. He finally stopped answering on the chat. On XXXX I started an email after the chat got no where. I attached the fax and the chat. The person in email told me I needed to call XXXX the refund was made to them and gave me the wrong phone number the first time. I kept asking who XXXX was because I've never dealt with them. He told me that is who processed my payment.This email train goes back and forth for 3 days. No matter what I ask I'm told to contact XXXX I have also been verifying with XXXX that there is no return. I finally got through to XXXX on XXXX around XXXX after an hour on hold and she explained to me they process the payments for Ally that are done on the phone and online in their portal. They do not process the payments that I generate from bill pay at my bank. She did put me on hold and told me she was contacting escalations to see if they could find the payment. She came back and told me no and that they wouldn't have the payment because I processed the payment online at XXXX and I needed to talk to Ally. She put me through to them. I repeatedly asked for a supervisor and was told she would have to fill out paperwork and it would be XXXX to XXXX business days. I have also sent another email asking for a supervisor to contact me.
Complaint sub-issue: Other problem getting your report or credit score

I have always been able to view my Equifax Credit Report online at Equifax.com ; however, I have not been able to view my credit report for over a month now. 

When I log into my Equifax Account, a pop-up window appears with the code " XXXX '' and tells me that my credit report and score are not available due to a technical error. The pop-up window also tells me to call XXXX and give the agent the code " XXXX. '' It appears that my credit report file is blank. 

I have called Equifax five ( 5 ) times and no one knows why this is happening. Sometimes, I get transferred to other Equifax agents and they can not fix the problem either. I have verified my identity in every way possible, and they even told me to change my password which I did, but none of this fixed the problem. I still can not see my credit report. 

The people at Equifax are not very good in solving problems and it has become frustrating calling them. They are very incompetent. Please help me.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Due to the COVD-19, I was seeking financial assistance to help with school loan. My XXXX  is closed and work is closed as well. So I called on XX/XX/20 to seek options available. But they didn't offer any solutions and customer service was awful.
Complaint sub-issue: Information belongs to someone else

This complaint is in regards to XXXX XXXX on my credit profile This account is in Litigation due to fraudulent activity and also concerning your companies 2017 data breach ( Equifax ) this letter and complaint is also for XXXX, which has cause numerous damages to my consumer profile and my ability to obtain credit. It is Equifax and XXXX job to report all accurate information, but yet i have an account on my consumer profile that is a fraudulent account and is in litigation because of identity theft i am a veteran and i contract in different countries and find myself victim of fraudulent activity due to me not being stationed stateside and i notice these fraudulent accounts upon my return. 
15 USC 1681 C-2 Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as info that resulted from an alleged identity theft, not later than 4 business days after date of receipt! 
Remove this account asap from my consumer profile and all missed payments associated with XXXX XXXX which is in litigation due to Fraudulent activity with this account!
Complaint sub-issue: Investigation took more than 30 days

I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit.
Complaint sub-issue: Account status incorrect

Enhanced Recovery is reporting an invalid collection they apparently bought from XXXX. 
Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.
Complaint sub-issue: Reporting company used your report improperly

Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814.

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instrctions
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, I was made aware of Equifax 's security breach potentially affecting 143 million individuals. I visited Equifax 's official page to check whether my information had been compromised ( https : //www.equifaxsecurity2017.com/potential-impact/ ) and was given the information that yes, my private information ( social security number, name, credit history etc. ) were indeed compromised during  the security breach.
Complaint sub-issue: Reporting company used your report improperly

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be XXXX XXXX a legal complaint against you!
Complaint sub-issue: Debt was paid

I received a notice for a {$260.00} bill owed to XXXX  for cable service. I contacted MRS BPO and paid the amount around XX/XX/2021. I was told it would take 30 days to update my credit report. 
I contacted MRS BPO around XX/XX/2021 when the item was still showing on my credit report. I was given the run around as to why this is still showing up. I requested it to be updated, as it was paid and I am looking to purchase a home. The agents were really rude and after about an hour of callig back I finally got someone who seemed to be cooperative. I was told she was unsure why it wasn't updated and she would send it to the department to be updated. I also never received the letter in the mail that this was paid. 
I disputed this with XXXX XXXX for the information being inaccurate. As of today XX/XX/2021, XXXX XXXX is stating that the information reported was verified and considerted accurate. I just want my credit report updated so that I can move on with my life.
Complaint sub-issue: Information belongs to someone else

There are some items reporting on my credit report that aren't mine. Please remove them.
Complaint sub-issue: Problem using a debit or ATM card

Hello, I received a CP2000 from IRS on XX/XX/XXXX for an error on my XXXX tax return because of a mysterious debt cancelation that occurred in XXXX. This is the first time I became aware that I was a victim of identity theft and fraud on XX/XX/XXXX with my social security number being used along with an old address I occupied 16 years ago to open some sort of online bank account with US Bank NA, XXXX XXXX XXXX  XXXX. XXXX XXXX, MN XXXX. The perpetrator unlawfully received {$10000.00}. US Bank says it was some sort of debit card and bad deposit transaction. Since a 1099C has been filed with the IRS, the IRS now looks to me for the " unclaimed income '' and is charging me with a {$2300.00} invoice. 

I have officially filed a police report with my local department and have an open case with USBank. 

.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.
Complaint sub-issue: Reporting company used your report improperly

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, date of last payment, no. of months inaccurate and also high credit and credit limit are inaccurate. This grounds for removal. 

These Accounts include : XXXX Bank Account # XXXX XXXX Account # XXXX They also violated my rights under : 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.

I haven't given these accounts written permission to furnish these accounts on my credit report.

I also affixed copy of report from Equifax and XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Complaint sub-issue: Account status incorrect

After denying access to my account and credit report immediately following filing of the CFPB complaint on XX/XX/22, EQUIFAX is NOW REFUSING to permit upload of legal DOCUMENTATION pursuant to TILA VIOLATIONS on the account with specific XXXX XXXX XXXX XXXX. EQUIFAX IS DENYING ACCESS TO UPLOAD RELEVANT TILA and LEGAL DOCUMENTATION FOR ACCOUNT ( S ) UNDER TILA VIOLATIONS AND ADMINISTRATIVE REMEDY.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days late with the XXXX/XXXX partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. It is impossible to be past due on an account with {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue. This incorrect reporting is harming my credit score.
Complaint sub-issue: Didn't receive notice of right to dispute

I recently checked MY Credit report on XX/XX/2018, and I noticed an account was in collection for XXXX a medical debt. with no collection company or original company, I had to call into XXXX to find out who was reporting me. they had told me XXXX XXXX XXXX was the owner of the debt and the original company is XXXX XXXX XXXX. I have yet received any contact from XXXX XXXX XXXX which makes them unprofessionally. I want to know Why my medical information is being sold to a 3rd part debut collector in which they have violated my personal rights under the HIPPA Act. Do I want to know if this Collection company is legally able to collect in my state of California? 

I also want to know who your insurance company and policy number to further pursue legal action against your company.
Complaint sub-issue: Can't close your account

DISCOVER BANK XXXX I have called and sent letters including a police report to the company requesting to close this account due to fraud. This account was opened fraudulently. I have made several phone calls to the company insisting they close account immediately and remove the account from all three credit agencies but they have not done that.
Complaint sub-issue: Account status incorrect

XXXX reported me delinquent in XXXX and XX/XX/XXXX. They claimed to have sent me emails and mail concerning payments that were due but I never recieved them. I have not changed my address or email address as they try to say I have. I have had my gmail account dating back past XXXX. When I spoke with XXXX they said my payments weren't due for 6 months or unless I was reenrolled into school. When I spoke with them over the phone they have no explanation for why this was not the case and claim they do not have a record of me contacting them. I have been told by XXXX that I had no payments due, that my account was up to date, and I would have no payments due. This was inaccurate information as they have put me as delinquent for those two months and have significantly lowered my credit for it. I have never made a payment to XXXX because I have been finishing my degree and have always been up to date with my loans since I have had them as my loan servicer since XXXX. The company claims that even though they gave the wrong information they won't change their reporting and I would have to prove I was in a " coma/dying in a hospital or active military '' during the time they claimed I was delinquent. I was enrolled in school Fall XXXX and Summer XXXX and was told my payments weren't due until XX/XX/XXXX unless I was enrolled in school which I was by XX/XX/XXXX at the University of XXXX XXXX  which was before my first payment was due. This delinquency is inaccurate and they refuse to take accountability for their mistake and remove this from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

I was evicted from XXXX XXXX XXXX  in XX/XX/2016. Manager XXXX told me not to pay rent and just to move due to previous altercations with neighbor below me. However, during court appearance, the balance owes was only {$1300.00} and now I have a creditor named Pro Collect trying to collect XXXX in owed rent which I feel is unfair if the manager refused my rent payment. This has caused hardship in me finding other places to live and I was forced to live with relatives because no one would accept me with that large amount being owed.
Complaint sub-issue: Debt is not yours

I was affected by the 2017 XXXX Data Breach, everything presented below is proof of fraudulence from that breach. Below are the listed violations and accounts with exhibits that have committed such violations. This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX, and XXXX  by sending it to collections and on my credit accounts. I have no knowledge of this and want them removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person, etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. No consent by definition is identity theft. No permission was given to this company or any consumer reporting agency to have my consumer information which is a violation and infringement of my consumer rights and most detrimentally my rights to privacy as a consumer. By federal law any authorizations made from the extension of a credit card ( SSN, ID, or Plate ) should not be included in a consumer report.
Complaint sub-issue: Company closed your account

I requested Discover to cease communication of a billing error of nonmailable matter per 39 USC 3001 ( d ) 39 USC 3005 ( a ) ( 3 ) and regarding the sharing of my information with third parties per 15 U.S.C. 1692c ( b ) in accordance to my right of privacy and confidentiality. Discover closed my card account alleging that they received a cease communication notice by me, the consumer, and took it upon themselves to take adverse action to close my account without my consent in violation of Title 15 USC 1692c ( c ) without notifying consumer.

The good faith right to Cease communication does not include closing account without consent of the consumer and further appears to be a deliberate violation of 12 CFR 1026.13 ( d ) ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not restrict or " close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

Discover has not complied with alleged cease communication notice and continues to report consumer credit transactions without my consent to third parties and appears to continue sending nonmailable matter as mail fraud ( see attached USPS mail receipt ).

Discover has refused to reinstate account and continues to harass me indirectly via consumer reporting agencies despite their fraudulent act. There is not one law that states a credit or insurance transaction are required to be reported without consumer consent as expressed by congressional findings 15 U.S.C. 1681 ( a ) ( 2 ) An elaborate mechanism has been developed, ( 3 ) Consumer reporting agencies have assumed a vital role.

Discover has deprived me of my right to credit illegally without 15 U.S. Code 44 documentary evidence and verification ( sworn statement ) as Constitution for United States of America 4th amendment compliance for seizure for property.

I authorize Discover and The Bureau to proceed with this complaint.