Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX, I was notified of a credit change due to a debt collector placing 2 derogatory marks in the amount of {$250.00} on my credit report. Upon review, I determined that IC System based in Minnesota was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX in XXXX TX. Previous to the credit report change, I had never received any type of communication from either IC System or XXXX XXXX regarding my past due amount. On XX/XX/XXXX, I spoke with both companies and resolved the issue, finding out that the 2 marks were for the same overdue invoice from XX/XX/XXXX and that I only owed {$120.00}, however, I was required to pay {$250.00} to clear my account with IC System. I paid the overdue amount promptly, and on XX/XX/XXXX both derogatory marks were removed from my credit report on XX/XX/XXXX. I was refunded the overage amount of {$120.00} that IC System had charged me on XX/XX/XXXX. On XX/XX/XXXX, a new derogatory mark in the amount of {$110.00} was placed on my credit report by IC System. I called IC System but they could not explain why a new mark had been placed on my report and that I would have to take that up with the credit reporting agency. The credit reporting agency for all of this activity is XXXX.
Complaint sub-issue: Reporting company used your report improperly

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

The following accounts has violated my rights : 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 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: Credit inquiries on your report that you don't recognize

I sent letters to the credit bureaus on XX/XX/XXXX, but didn't have any luck. I also filled out a Identity Theft Report ( FTC Report Number XXXX ) Delete Hard Inquiries XXXX XXXX from XX/XX/XXXX Credo from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX 2020
Complaint sub-issue: Old information reappears or never goes away

XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " XXXX XXXX '', XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my XXXX XXXX and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting XXXX accounts to the credit bureaus, including XXXX original accounts and XXXX new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.
Complaint sub-issue: Debt was result of identity theft

This debt is a result of identity theft.
Complaint sub-issue: Personal information incorrect

There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX/account number XXXX XXXX XXXX/account number XXXX  XXXX XXXX/account number xxxxxxxxx XXXX XXXX XXXXaccount number XXXX
Complaint sub-issue: Information belongs to someone else

These are not my accounts nor did I authorize these companies to run my credit. Please remove them.
Complaint sub-issue: Their investigation did not fix an error on your report

I was on a deferment plan that was approved for XX/XX/XXXX to XX/XX/XXXX due to me not working due to COVID19. Somehow, XXXX XXXXXXXX XXXX reported me late on XX/XX/XXXX. I have attached my mortgage statement for that time period.
Complaint sub-issue: Trouble with how payments are handled

The student loan was initiated in XXXX separate years XXXX & XXXX Repayment started in XXXX Their are XXXX separate loans, same account number.. Problem.. Company constantly applies both payments to XXXX loan.. another XXXX school loan taken out in XX/XX/XXXX..different amount : same account number.. Payments of initial loan, often is applied to later loan.. @ XXXX loans paid monthly by check : third loan paid for on line ... Results of this? .. referral to collection agencies, letters ( XXXX in XXXX alone ) .. drop in credit score. Have attempted to correct problem Numerous times ( @ XXXX, yes XXXX ) with ZERO success
Complaint sub-issue: Didn't receive enough information to verify debt

I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Complaint sub-issue: Public record information inaccurate

I applied to a job and this was the background check that came back. I was XXXX with XXXX XXXX that were later completely dropped. Howeve, they still show that I was not only XXXX with but XXXX  of. Which is totally completely WRONG! I was only charged with a XXXX XXXX XXXX charge. Not a XXXX  charge. Not a XXXX  charge. I was in the car with someone else that had these things. I was originally XXXX but the XXXX were dropped. Why is it not only stil showing I was XXXX  but also XXXX This is wrong. 100 percent wrong. Please fix this please. This happend XX/XX/XXXX. The disposition date was XX/XX/XXXX. XXXX XXXX clerks office definitely has a copy of this. Thank you and please make this right please.
Complaint sub-issue: Information belongs to someone else

I have already explained to them the situation and provided proof when I disputed the accounts with them they said it would take 30 days it was less than 10 days they say they investigated the claims but they didnt They still have my car on there as repossessed and its not it was paid off and the account was closed with my lender they wont take it off I then see something pop up from something called XXXX still dont know what that is i gather information contact them they have no idea or record of who I am I report this to the credit bureaus to have it removed with proof nothing they made it to where I can no longer dispute the issues I call because I see my credit is being ran by all of these banks Im being told its a personal issue I just want to be treated like a human being and not talked to crazy or pushed aside my credit means a lot to me this has drastically dropped my score from XXXX down to XXXX please help me and hold them accountable for the things they are doing I provided them everything they needed for my identity theft and these accounts
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, i filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on My report. Specifically the two bankruptcies XXXX & XXXX. The Agency - Equifax then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I  proceeded to ask for a Re- investigation on XX/XX/ and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/ at XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/ at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Equifax. Their own two agents XXXX XXXX on XX/XX/ at XXXX and Previously XXXX XX/XX/2018 at ; XXXX could not provide information on the steps and method of verification the company used to verify the information. 
The only clear thing is that the Equifax is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Equifax.
Complaint sub-issue: Other problem

I opened an individual Account with discover Card in XXXX. In XXXX  when i married, I went online to Discovers website and requested that they add my wife as an authorized user. My wife did not submit the request ( as it was done online through my account ) and she signed no paperwork authorizing Discover to make her a Joint account holder. With a divorce impending, we are removing each others names from any accounts. I deactivated her card at her request, and thought that it was completed. When i received my statement yesterday, i noticed her name was on the bill. I contacted Discover and their reply is that her name can not come off the account because it is a joint account. Discover has made my wife financially responsible for an account that she never agreed to be responsible for. All I 'm asking Discover to do his remove her from an account that she never agreed to be on. They should not have been able to add her to the account withour her permission.
Complaint sub-issue: Was not notified of investigation status or results

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly, you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly
Complaint sub-issue: Reporting company used your report improperly

NFORMATION & FAQS CREDIT REPORT Credit reports are key to helping you confidently protect and manage your identity. You can rest assured- reviewing your report does not negatively impact your standing or score. 
Financial institutions, employers and insurers use credit reports to gain insight into your financial profile. Because they provide a record of your present and past credit use, credit reports may determine whether or not you will be offered credit, and on what terms. Inaccurate or fraudulent account information on credit reports can result in denial of credit, higher loan and insurance rates and even rejection for employment. The Federal Trade Commission ( FTC ) has prepared A Summary of Your Rights Under the Fair Credit Reporting Act, you may also find additional information on their website www.FTC.gov/credit. 

Understanding your credit score and the factors that impact it will prepare you to make the best possible decisions for your financial future. Want help reading your report? We've prepared a quick educational guide for you : How to Read, Use and Act on Your Credit Report. If you find inaccurate information on your report, you may contact one of our Credit Specialists to help dispute this information directly with the credit reporting agencies.

spliter UPGRADE YOUR PLAN XXXX  PURCHASE REPORT XXXX  Report History : XX/XX/XXXX - XXXX Print this page Download this report Three Bureau Credit Report Reference # XXXX Report Date : XX/XX/XXXX Quick Links : Credit Score / Summary / Account History / Inquiries / Creditor Contacts Personal Information Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details. 
XXXX XXXX Equifax Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - Former : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX IA XXXX XX/XX/XXXX - Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, 2017, I discovered that I had 11 accounts on my credit reports that were fraudulent. I filed with the FTC identity theft website and sent the report to each of the Credit Reporting agencies along with my identity documents, address proof and letter requesting the information that was fraudulent be blocked from reporting. Both XXXX and XXXX blocked the information within 72 hours  as required under the FCRA. Equifax has refused. The latest reason is that my identity documents are blurry. I have resent these by post and a resolution has still not occurred.
Complaint sub-issue: Account status incorrect

Account for XXXX was sold to XXXX XXXX XXXX and it was removed. Now in XXXX its been sold to another company and its back on my credit report. That account should be closed permanently.
Complaint sub-issue: Debt was paid

I 'm being repeatedly called by XXXX XXXX XXXX about a debt that I do not owe.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2018, I called University of XXXX, they gave me the number to the collection agency.. I called and was informed that they put my account with ATG Credit. I called and spoke with a lady nd verifies my address, name, social security number and all. I asked her when did they receive the account and all she said was One day last month I never received a debt validation letter from them. They also had my current phone number and still never called me.
Complaint sub-issue: Account status

I have filed a Chapter XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX XXXX XXXX XXXX is listed in the bankruptcy. I had XXXX accounts with them that 's been discharged. XXXX is only listing XXXX of XXXX as discharge and reporting the other XXXX debts as delinquent on my credit report. The XXXX accounts should be closed because I have n't used them since XX/XX/XXXX.I 've contacted XXXX several times about this matter with no solution. Please help. I 've turned my credit around and XXXX is maliciously hurting my chances of being a home owner! XXXX and XXXX are reporting the debts as closed and discharged through bankruptcy which is correct. Equifax is falsely report these accounts as open. Equifax and XXXX is reporting falsely.
Complaint sub-issue: Reporting company used your report improperly

Under 15 U.S. Code 1681 ( b ) Permissible purposes of consumer reports I never gave your company any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S. Code 1681 ( a ) ( 2 ) ( b ) Exclusions from a consumer report. This account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used for tranaction
Complaint sub-issue: Problem lowering your monthly payments

My student loan is currently in default, and my wages are being garnished for payments. I would like to make more affordable voluntary payments. I have called the loan servicer  on 4  separate occasions within the same week to get information on how to stop the garnishment and rehabilitate my loan. Each time I was given different, conflicting information, with different forms to complete each time, and I still do n't understand how or if there is a program that can help me. In any case, it was indicated that I would be required to continue to make  5  garnishment payments IN FULL, in addition to my new voluntary payment, thus INCREASING my inability to repay. I can not afford the full garnish payment. I can not afford to pay more on top of the full garnishment payment. If I ca n't make voluntary payments, I can not enter the rehabilitation program. This servicer 's business rules are preventing me from utilizing the student loan rehabilitation program that was created to help consumers get back to a stable financial state. Their final recommendation to me was to fill out the  3  different packets of documents they mailed me and send them back and " see what happens. '' They indicated the decisioning period could be anywhere from  2 weeks to 2 MONTHS.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the violation by XXXX is XX/XX/XXXX next XXXX is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile XXXX by XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened XXXX 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 a account without my written instructions My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & XXXX bless
Complaint sub-issue: Reporting company used your report improperly

CARMAX XXXX XXXX IS REPORTING A UNVERIFIED ACCOUNT TO MY CREDIT REPORT. MY LAWYER AND I HAVE REPEATEDLY ADVISED THEM TO VERIFY THE DEBT THEYVE CLAIMED I OWE TO THEM. 
NOW THAT I HAVE MY LOCAL POLICE DEPARTMENT INVOLVED, I ASSURE THEY DO NOT WANT TO FALSELY CONTINUE TO VERIFY A ACCOUNT. 

THEYVE REPEATEDLY SENT ME ( STATEMENTS ) DEMANDING I PAY THEM AN AMOUNT TO SETTLE THE UNVERIFIED DEBT REPORTING TO THE CREDIT BUREAUS, YET HAVE NOT SENT ME THE DOCUMENTS IVE REQUESTED. 

IVE NEVER CONTACTED CARMAX XXXX XXXX FOR A CAR LOAN, I ONLY HAVE 1 VEHICLE WHICH IS FINANCED THROUGH MY CREDIT UNION, WHICH OBVIOUSLY SHOWS 100 % PAYMENT HISTORY. 

CARMAX XXXX XXXX NEEDS TO PROVIDE ME WITH THE FOLLOWING ITEMS OR DELETE FROM MY CREDIT REPORT : 1. Signed contract with my signature agreeing to pay them.

2. Information used to be approved for their loan 3. Employment information used to be approved for the loan 4. What vehicle was financed.

5. Where was my information taken.

6. who signed my name on the contract.

PLEASE DO NOT PROVIDE ME WITH ANY STATEMENTS WITH MY NAME ON THEM, NOR ANY IDENTITY INFO FOR VERIFICATION SUCH AS : name, address, date of birth or social security number. Im assure you are aware of the amount of identity theft there is in the country.

I DEMAND REQUEST FOR SIGNED DOCUMENTS STATING I AGREED TO PAY CARMAX XXXX XXXX OR ANY SIGNED CONTRACTS I HAD WITH THEM OR PROMPTLY STOP REPORTING TO THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, XXXX   ) THIS UNVERIFIED ACCOUNT IS PREVENTING ME FROM LIVING A FAIR LIFE. 

PLEASE PROVIDE ME WITH THE CORRECT VERIFICATION PROVIDED OR I WILL USE LEGAL ACTION IN COURT WHICH IS AWAITING!!!