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

on XX/XX/XXXX I was at XXXX XXXX inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.
Complaint sub-issue: Account terms

Collection agency reporting inaccurate information on my credit file.
Complaint sub-issue: Account status incorrect

Hi CFPB customer care With XXXX XXXX XXXXXXXX XXXX XXXX  account number XXXX I requested that my funds were going towards my mother medical bills during XXXX and also during pandemic XXXX my grandmother died and I have to cover funeral cost, hence i opted thier financial plan for few months I have covered most of them and even after requesting late payments were reported these accounts in the EQUIFAX, XXXX AND XXXX CREDIT report and even closed my credit card account as well. I requested XXXX XXXX XXXX XXXXXXXX during XXXX and XXXX via many good will letters to remove late payments as well to reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks under following fields Account closed by credit grantor '' and also " worst payment status information as well " on EQUIFAX, XXXX AND XXXX CREDIT reports as well late payments reported in EQUIFAX, XXXX AND XXXX CREDIT reports associated with these XXXX XXXX XXXX  credit card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation
Complaint sub-issue: Attempted to collect wrong amount

My name is XXXX XXXX XXXX and I would like to complain about Enhanced Recovery Company. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on XXXX credit report, the amount of {$68.00} reported by Enhanced Recovery Corp for XXXX XXXX expense. So I DISPUTED and talked to XXXX representative and waited for the result because it does not belong to me. However, XXXX replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in XXXX and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the Enhanced Recovery Corp directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on XXXX credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP! 

For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is Enhanced Recovery Corp and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX.
Complaint sub-issue: Talked to a third party about my debt

PNC bank has been contacted to cease all telephonic communication but has not only continued calling but has started calling others in my family to try and collect the debt.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the lists of inquiries that are still reporting on my Credit Reports : XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Transaction was not authorized

The local bank, BB & T took it upon themselves to transfer ( debit ) XXXX from a joint account used for paying bills to a personal account in order to pay themselves fees. 
My personal account has been in the negative due to a deceptive order of putting two checks ahead of debit card purchases. The funds were in my account at the time I made the debit card purchases, yet the bank did not post them in real time. Instead they posted two previously returned checks first days after the debit purchases, then the debit card purchases. This manipulation caused my account to incur fees that were well over the amount of each debit card purchase and the sole reason I had opted out of overdraft for my bank card. Simply put, the funds were in my account and held by the merchant at the time of purchase. This hold shouldve automatically become a charge at the close of the business day and posted by back office by midnight. Instead, back office rearranged the order making it look like there was no money at the time of purchases and hitting me hard with NSF fees. 
If I didnt have the money at the time of the debit purchases and I specifically opted out of OD for my debit card, how was I then able to make the purchases in the first place? 
I understand having to pay NSF fees for returned checks, but this deceptive practice on the part of the banks to get as many fees as possible should not be allowed. 
At the time of opening my accounts it was never told to me that along with fees the bank will also charge XXXX a day for being negative. I found my personal account hundreds of dollars negative in a short amount of time and tried to resolve it in branch unsuccessfully. 
Yesterday my account was now XXXX negative, the bulk of which was fees and the bank took it upon themselves to go into an *unattached* joint account, with NO PRIOR WARNING VERBAL OR WRITTEN, and steal XXXX which means bills I paid WILL BE RETURNED AND I WILL INCUR MORE FEES!!! 
I called customer service and spoke to XXXX who DID NOT WANT TO HELP. Transferred me to the OD department WHO WAS CLOSED!! 
My next complaint filings will be with the Comptroller and Attorney General.
Complaint sub-issue: Debt is not mine

I recently pulled my credit report and discovered that this company has reported that owe them a debt. To my knowledge I have never done business with this company. I have never entered into a contact with them and nor have they provided me with any goods or services
Complaint sub-issue: Investigation took more than 30 days

After receiving a letter from Equifax stating they are unable to verify my identity to remove incorrect information, I submitted on XX/XX/XXXX and XX/XX/XXXX via certified mail. Equifax still stating they have not received a copy of my id, ssn, and proof of address. I have sent that several times and they keep telling me they never received it. I am disputing the bankruptcies that are on my report. Their 3rd party verification department which is XXXX deleted the items off my report due to unable to verify. I sent Equifax the same paperwork so they can remove it off so i can finally purchase my home. It has yet to be removed and i have been dealing with this since XXXX. I need that information off my report due to as your laws they can not report incorrect information and it is still being reported. This is against the law. Credit bureaus get paid to report so that is why they keep giving me the run around so they can still get paid to report it but it's not accurate. I have proof that it is not accurate and it has been removed by all furnishers except for Equifax. Please have them remove these items or i will be taking them to court, and I will win. How does the company that they go to for verification remove the items and they don't this is insane and im tired of spending money to mail over this information just for them to keep telling me we need to verify your identity. Just remove it XXXX XXXX it should not take this long. This is stopping my future
Complaint sub-issue: Information belongs to someone else

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly a collection in the amount of {$14000.00} on the XXXX  XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) The original creditor is XXXX XXXX and this debt was released to XXXX XXXX XXXX XXXX XXXX ( Please see the attached letter dated XX/XX/2019. ) I am making payments on this account directly to the attorney of record. ( Attached is an accounting of payments made to date. ) I contacted XXXX XXXX and spoke to a representative requesting they contact the ( 2 ) bureaus to have this line item removed from my credit report. This account has been sent to collection and XXXX XXXX XXXX, XXXX hold the note. Therefore, XXXX XXXX needs to update the information on my credit report and accurately report that this account balance is zero and this debt has been released. Reporting a collection that has been released with a XXXX  balance is illegal and this incorrect reporting is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Complaint sub-issue: Debt was paid

Debt was paid to original creditor directly and now L J ROSS ASSOC is holding my credit report hostage because I did not pay them my debt directly ... although I paid the debt off in full to original creditor ... .who agreed to have it removed from my credit report ... had I paid L J ROSS ASSOC directly it would have been removed from my credit report. L J ROSS ASSOC is holding my credit report hostage out of retaliation for me not paying the funds to them directly. It is a harassment tactic to bully those who pay off their debt to original creditor directly. All other collection agency that I paid directly on my credit report removed those items of collection from my report except L J ROSS ASSOC ; whom I did not pay directly.
Complaint sub-issue: Information belongs to someone else

There were unknown accounts on my Equifax credit report and I asked Equifax to investigate and remove these accounts. They failed to do so in a timely manner.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear sir or madam, XXXX XXXX has sold off this account to XXXX XXXX. I had already paid XXXX XXXX and the account is statisfied. Since XXXX written off and sold my debt, My contract with them is no longer active, so No contract with XXXX. They need to delete this from my credit report. Equifax need to deleted XXXX XXXX  off my account too.

Thank you!
Complaint sub-issue: Didn't receive notice of right to dispute

In XXXX I owed Citi Card XXXX. I was undergoing some very severe hardships due to my husbands illness. I had to cut back on my job. I finally agreed to start paying back the debt. I thought the fees stopped accumulating when I stopped the card. I had them take XXXX a month out of my bank .This went on until XXXX. I noticed I had a few extra dollars in my account. When I spoke to a lady at my bank she said it was no longer being taken out. I got the number from her. She said it wasn't like a normal withdrawal. The only communication I had in all this time with Citi was a letter stating they would be withdrawing their money. There was no balance or any communication.So I just assumed they were paid. Then I get a letter from XXXX XXXX saying they had taken over the account. This was in XX/XX/XXXX. The balance was XXXX had called Citi Cards and got someone who spoke ragged XXXX and when I tried to explain why I was calling I got an mean attitude. So I called XXXX. The gentleman I spoke with was very nice .He said he would send me what they had got from Citi.I feel like Citi continued to charge late fees even after card was canceled.
Complaint sub-issue: Account information incorrect

ON XX/XX/2021 my credit scre dropped over 34 points from XXXX and equifax. A couple weeks earlier it had dropped 10 points. All for no reason. I believe your problem is with the algorithms programmed in your system. These algorithms only account for half of the calculation. They show how much credit you have used in a month but fail to show that I have XXXX  out the balance when the statements are due. As of today my credit card balances are all XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation reports. This creditor has reported late payments on XXXX, XXXX and XX/XX/XXXX to my report which are incorrect and I am asking these late payments be deleted immediately or I will file for litigation due to the stress you caused me.
Complaint sub-issue: Frequent or repeated calls

Look, i am not the person they are looking for. They never even sent me a letter like some people usually get. Please tell them to stop calling me.
Complaint sub-issue: Account status incorrect

My credit score has been placed in a lower band level due to Equifax drastically dropping my score. I recently got approved for a new credit line. About 45 points was taking as a result of this. This isn't the first time I have experience a drastic drop in my credit score with Equifax. How do you come up with how many points should be taking and what constitutes it? 
I am being discriminated against. This is defamation of character. This has ruined my reputation and credit worthiness.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX his 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 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. 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 n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX the Accounts below, have 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 XXXXXXXX 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 Late Payment XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX  XXXX Late Payment XXXX XXXX XXXXXXXX Late Payment XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXX Late Payment
Complaint sub-issue: Not given enough info to verify debt

There is an unknown account that just appeared on my credit file. This is not true. Please help
Complaint sub-issue: Fraudulent loan

I entered into a consumer credit transaction with Flagship Credit Acceptance in XX/XX/XXXX. On XX/XX/XXXX, I extended my credit using my social security card ( credit card ) to Flagship Credit Acceptance. In the process, a down payment of {$2500.00} was taken from me during this transaction. This transaction was initiated by me, by default I am the original creditor. By me extending my credit to Flagship Credit Acceptance they are now a creditor. 

15USC 1602 ( g ) I granted Flagship Credit Acceptance the right from my rights for them to incur debt and to defer payments but they violated me by using my rights instead.

15 USC 1605 ( a ) In this transaction, Flagship Credit Acceptance violated me by charging me 3 times during this transaction. I was only supposed to be charged the finance charge.

15 USC 1692e ( 2 ) They are still charging me monthly payments every month and also late fees. 

I never received a notice to verify this alleged debt during the thirty-day period. 

15 USC 1635 ( a ) I never received documents for the right to rescind.

15 USC 1605 ( c ) My insurance was not included in the transaction.

I did not receive the documents ( contract ) once the transaction was done, I didn't receive the documents from Flagship Credit Acceptance until XX/XX/XXXX. I had to request it from them. 

I sent Flagship Credit Acceptance documents requesting validation of deb on XX/XX/XXXX but have not received any return documents as of XX/XX/XXXX. 

I was also threatened in a letter from Flagship Credit Acceptance that they would come to repossess my property, which is in fact a violation, and to also have a tow service come on my property to repo my car.
Complaint sub-issue: Didn't receive enough information to verify debt

Around XXXX XXXX, I was notified by my bank that my credit score was significantly and negatively impacted. Following up on the issues, it appeared that XXXX XXXX XXXX ( in XXXX, IN ) reported me for two unpaid bills for the total of {$250.00} to the credit bureau and the I.C. SYSTEM, INC collection agency for the bills that I had never received. In the following days after I received the notice of my credit loss, I contacted the XXXX XXXX XXXX to inquire about the unknown bills, despite multiple calls and requests to speak to someone in the finance office, they hung up the phone. In the meantime, I paid the unknown bill to I.C. SYSTEM, INC, while at the point I still did not have a bill or an itemized invoice. After spending over 40 hours between contacting my bank, the collection agency, the credit bureau, and the XXXX XXXX XXXX, I finally received a bill that indicted two days of visit in XXXX and XX/XX/XXXX. I tried to dispute the charges pertaining to the visit in XX/XX/XXXX, which was denied by the XXXX XXXX XXXX. The nature of my dispute was that due to extreme XXXX XXXX XXXX XXXX I made a visit to the XXXX XXXX XXXX, and that was my final visit which was towards the end of XX/XX/XXXX. On the day of the visit, I told my doctor and the nurse that I was suffering from a XXXX XXXX XXXX. The doctor used a swab to check if my throat had any infections. At the end of the visit, she mentioned that I did not have any infections but they would have to send the swab to the lab for further examination. Despite my XXXX XXXX XXXX the doctor sent me home while not prescribing any medication for me. After 10 days of suffering at home, while I kept calling the clinic back to get some medication for my temperature and sore throat, I finally received a call from the clinic indicating that my results came back positive, meaning that I had a XXXX XXXX, while the doctor missed it on the day of my visit and caused me XXXX XXXX Due to this clinic 's negligence in not providing me with the appropriate and timely care that I needed, my XXXX  XXXX continued until XX/XX/XXXX, while the XXXX XXXX XXXX XXXX XXXX, and I experienced XXXX XXXX XXXX  for an extended time which was examined and cared for at another medical clinic. I expect to be fully refunded for the amount I was charged by XXXX XXXX XXXXI.C. SYSTEM, INC.
Complaint sub-issue: Information belongs to someone else

I have been disputing for the removal of the fraudulent items that are still reporting on my Credit file despite the multiple letters and cfpb comlaints I have been submitting to the Credit Bureaus. It also has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. If the Credit Reporting Agencies claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.