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

XX/XX/2022 - I realized there are two student loans on my account that I did not apply for with XXXX and filed a police report. 
XX/XX/2022 - Completed packet of papers to prove I did not apply for the student loans and returned to XXXX with proof of my identity. 
XX/XX/2022 - I have sent more proof during the last few months to prove my identity. XXXX has now changed the original person 's information that opened the loans from a different state to my information and refuse to remove the loans from my credit.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX, I contacted XXXX XXXX XXXX several times regarding my Stand Alone 50 internet service not working. After several telephone calls to XXXX XXXX XXXX and several visits to my house by an XXXX XXXX XXXX service tech over the course of two months XXXX XXXX XXXX was unable to get the service to work correctly. 

On or around XX/XX/XXXX, the XXXX XXXX XXXX service tech was again at my house and unable to get the service to work properly. He advised me that in order to get the XXXX XXXX XXXX service to work I needed to switch to fiber optic service. I agreed to take the fiber optic service for a year. The fiber optic service was supposed to be a speed of 300 Mbps. Over the next few weeks, the speed rarely exceeded 25 mbps. I made several more telephone calls to XXXX XXXX XXXX regarding its failure to provide the contracted for service. 

On or around XX/XX/XXXX, when XXXX XXXX XXXX was still not able to provide the contracted service I canceled and switched to XXXX. XXXX XXXX XXXX credited my account for all service fees during the time the service was broken. 

On XX/XX/XXXX, I received a Final Notice from XXXX XXXX XXXX stating that I owed an early termination fee of {$130.00}. I called XXXX XXXX XXXX at XXXX XXXX and spoke with XXXX ( sp? ). I advised XXXX that XXXX XXXX XXXX never provided the contracted for service and therefore theres no termination fee. XXXX advised that as the amount of billing credit was over his limit, he would need to get a supervisors approval. I was informed that someone would be calling me in the next few days. No one ever called. 

On XX/XX/XXXX, I received an email from a debt collection agency, MRS Associates. I responded to the email that XXXX XXXX XXXX has failed to inform them that this is a disputed debt.
Complaint sub-issue: Information belongs to someone else

THE ORGANIZATIONS LISTED IN MY ATTACHMENT BELOW DID NOT RECEIVE WRITTEN PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT FROM ME. REPORTING LATE PAYMENTS, CHARGE OFFS, AND ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND WHICH IS FRAUD ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THESE ORGANIZATIONS HAD NO PERMISSIBLE PURPOSE TO PULL NOR FURNISH MY CREDIT REPORT. I DID NOT GIVE MY WRITTEN CONSENT WHICH IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Complaint sub-issue: Account information incorrect

Pro Collect is reporting a eviction that the apartment complex has no file of I 've called old owners and they do n't have file so why is it on my report
Complaint sub-issue: Their investigation did not fix an error on your report

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 the 3 Credit Bureaus was XX/XX/2022, 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 proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX  XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

CFPB THIS IS NOT A DUPLCATE ACCOUNT. THIS IS ACCT NUMBER 3 UNDER THE SAME AGENCY. I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX  CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED BR BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX  CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR BR OFFICE. THIS CONSTITUTES BR FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH, THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH BR DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION. 

WHO SO IRONIC IT APPEARS XXXX XXXX XXXX LOCATED IN XXXX XXXX  GRADUATED FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALSO GRADUATED FOR THE UNIVERSITY XXXX XXXX  XXXX XXXX. THIS IS NOT IRONIC. CAN YOU SAY POSSIBLE THEFT, THE XXXX  XXXX TRUSTEE IS THE ATTACHED TO THIS MESS, YES THE MONEY WA STOLEN.
Complaint sub-issue: Debt is not yours

Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. National Recovery Services hired a third-party collection of XXXX XXXX University to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Complaint sub-issue: Didn't receive enough information to verify debt

I did not receive the original bill and was not given the opportunity to validate the debt. Additionally, I do not have a contract with the collection agency.
Complaint sub-issue: Account information incorrect

I have a Discover credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with Discover card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, XXXX and XXXX on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from Discover is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates XXXX
Complaint sub-issue: Banking errors

doing busness with direct express field a dispute with them way back in XX/XX/XXXX in the amount of {$87.00} usd i saw an ad on XXXX for a scooter from XXXX XXXX i gave direct express all the paperwork and emails from her saying that i tried to cancel six times direct express refuse to help me they would not help what due i due just want XXXX bucks back
Complaint sub-issue: Reinserted previously deleted info

On my Equifax Credit Report, the account " XXXX XXXX Bank '' should totally be removed. It was already removed from XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
Complaint sub-issue: Transaction was not authorized

On Saturday, XX/XX/2021 my husband and I received a letter in the mail from our bank, PNC, located at XXXX XXXX XXXX XXXX XXXX in XXXX, PA XXXX. In the letter, it stated that my husband via email disputed XXXX payments. The three payments were to XXXX XXXX for our rent in the amount of {$790.00}, XXXX XXXX for our insurance in the amount of {$170.00} and XXXX  XXXX for our phone bill in the amount of {$190.00}. We did not put a dispute in. Not only did we not, but the bank never verified the dispute with us verbally or otherwise to check its authenticity. 
We called the bank and made an appointment to see XXXX XXXX on XX/XX/2021. Now please keep in mind, according to our statements, there was not a dispute showing nor credits given to us by the bank. While speaking with XXXX, I saw a discrepancy in their system regarding the three disputes. In each dispute, all three amounts had the decimal point moved three times to the left. Then it was corrected. Also in their system but not on our statement, it showed a purchase at XXXX  for {$1000.00} that we did not make. It was not until we arrived at the bank that the dispute and other strange activities showed up in their system and their system only. 

We then spoke to the assistant bank manager, XXXX XXXX. Like XXXX, he had stated that he too has never experienced anything like this before. He also said since we were credited the money that was disputed they were taking it back. We tried to explain, we were not credited any money, our books balanced and we did not put a dispute in. He said before any money would be taken from our account he would call us first. 

On XX/XX/2021 The bank took the money out of our account and locked it so we could no longer access it. XXXX XXXX did not call or would he respond to our calls. 

On XX/XX/2021 my husband went to the bank and met with XXXX. She said since we signed a contract stating we would not give out our information, theres nothing they can do. My husband filed a report with the FBI as instructed, as the bank felt the breach came from a loan attempt my husband tried to get for XXXX through XXXX XXXX. He did check them out prior through the XXXX  etc and no red flags popped up per say. 
I am in respiratory failure and am terminal. Both my husband and I are on permanent XXXX. How can they do this legally? I truly feel this was a breech on their end since our books balanced. Enclosed I have provided everything I could to help assist you. Statements from our end and what documents I could obtain from the bank and their system. 

Please, please, if you can help get our money back we would be so grateful. I know it may not seem like a lot. But its all we have. 

Thank you for your time. 
Sincerely, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX continues to violate FCRA 605C I, XXXX XXXX the natural person Original Creditor, authorized representative for the natural person, am the Federally Protected Consumer, Principal and Authorized Representative for all accounts created by his autograph. The purpose of this correspondence is two-fold 1. Asking the Bureau / CFPB why it would allow the CRA Equifax to willfully knowingly violate a consumers rights. 
2. Questioning the Bureau / CFPBs methods, as to why it would allow the CRA Equifax to disregard XXXX XXXX Consumer enforcement action and demand for compensation. 
3. Proving to the Attorney General, FTC and the CFPB that Equifax did in fact violate the Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) and the TILA and FCRA QUESTION : Is it true that the amendments to REGULATION V are now law? 
QUESTION : Is it a fact that Equifax ( the CRA ) is knowledgeable/aware of the amendments to Regulation V, the subject of which is to implement the Fair Credit Reporting Act ( FCRA ), addresses recent legislation that assists consumers who are victims of trafficking. 
QUESTION : Is it a fact that the LAW, 15 USC 1681b ( a ) ( 2 ) outlines the specific PERMISSIBLE PURPOSES that a CRA may furnish a consumer report?
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX CREDIT PLUS add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  I have never lived at this address, I been in Florida since  XXXX    XXXX  .
Complaint sub-issue: Their investigation did not fix an error on your report

I have student loan under my name and cosigner, with Firstmark since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact Firstmart for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. Firstmark did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and Firstmark can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and Firstmark did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX  little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Keep getting calls about my loan

Sallie Mae harrasses people to no end. I have paid my student loan in full and yet they have continued to call me and my cosigner. I was a few days late, but I paid my entire XXXX bill instead of the minimum. They have continued to call every hour on the hour today. I have had 5 calls since I paid. I have called and they say there is nothing they can do. They need to update their systems so that after you pay you stop getting calls from them. This is harassment of my cosigner and I and I am considering a lawsuit.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/ 2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Billing dispute for services

I am concerned about the Equifax data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.
Complaint sub-issue: Information belongs to someone else

Discover ( current collection handled by XXXX XXXX XXXX ) is still reporting a fraudulent account ti my XXXX credit report, that was opened in my name. Discover account ending in : XXXX, Account starting with : XXXX, XXXX : {$2000.00}. I have mailed a copy of my official identity theft police report to Discover three different times : in XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have also mailed a copy to XXXX XXXX XXXX, their debt collector attorney. Discover is violating FCRA 605B, which states that any fraudulent account must be removed and cease collection within four days after the receipt of an official legal document stating identity theft, such as an official police report. 

I also filed a dispute with XXXX  for illegal credit reporting and collection attempts, and notified Discover and their collector XXXX XXXX XXXX that I will be pursuing legal action should this item keep reporting. It is still illegally reporting to credit bureau XXXX. I am attaching a copy of my official police report ( XXXX XXXX Police Report incident # : XXXX ) once again, with this XXXX  dispute. If this is not fixed by Discover immediately, I will be pursuing legal action against Discover as I have documented and retained a copy of all contact by mail, by phone, and via online through CFPB and XXXX.
Complaint sub-issue: Problem with customer service

A Credit Card account with Commerce Bank in my name appeared on my Credit report as having been opened onXX/XX/XXXX, after I had applied for and I assume was approved for by them. The problem is it is now XX/XX/XXXXand I have not received the card. I am worried it may be lost in the mail and I do not want it to be used fraudulently. I have attempted to contact someone at Commerce who can confirm the fact that the card was actually mailed and that it may be lost. I have emailed them 5 times, but they refuse to acknowledge or answer my emails. I can not understand this lack of concern on their part and do not want my identity compromised.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I am getting harassed multiple times a day by calls coming from ( XXXX ) XXXX and XXXX. They threaten that they have complaints against me, orders against me and will be serving me. They have no intention of serving me so that alone is a violation of the FDCPA. Let 's continue. They threaten if I do not respond an order will be placed against my parents. They threaten they will contact my HR department to aid in serving me. 

I called back they have my SSN and other info and say it 's for a payday loan from XXXX. 
1 ) Pay day loans are not legal in NJ 2 )XX/XX/XXXX is past the statute of limitations on debt in NJ 6 years. This alone proves they are in violation of the FDCPA by threatening to serve me with no intention of doing so as they ca n't for a debt past the statute of limitations. 
3 ) I had a XXXX bankruptcy discharged XXXX so even if the debt was valid which it 's not it is illegal for them to attempt to collect as it was discharged. 

They are misrepresenting and violating the FDCPA and I would like them to stop.
Complaint sub-issue: Investigation took more than 30 days

EQUFAX AGAIN HAS FAILED TO REMOVE A COLLECTION FRAUDULENT ACCOUNT AFTER MORE THAN 93 DAYS, THEY HAVE A DEALWITH AGENCY TO STAY PUT. ALL OTHERS DELETED OVER 78 DAYS AGO. THE COLLECTION ACCOUNT IS XXXX XXXX XXXX XXXX.
Complaint sub-issue: Problem during payment process

I pay ALL my bills on the XXXX of the month with no problem ( i.e. XXXX, XXXX, XXXX XXXX, Home Depot etc. ). This credit card, Best Buy Credit Services, charges me a LATE FEE of {$28.00} and this time {$39.00} because as she ( Ms. XXXX, Mgr ) put it, " I must pay between the XXXX to the XXXX of the month '' and If I pay " early '' I will incur a LATE FEE. 

Last month they credit me the {$28.00} late fee, this month they say they are unable to credit the {$39.00} late fee because It's the 2nd time that I do not pay between the XXXX & the XXXX. 

This is " unfair '' practice and their way to abuse the " consumer ''. I shouldn't be penalized for paying my Statement within the current month.
Complaint sub-issue: Attempted to collect wrong amount

I have been sent to collections for a {$30.00} payment which I should not be responsible for. At that time I was covered under the state of Nevada  XXXX and had no copay for any XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2021 XXXX XXXX received a Cease and Deist by certified mail. Attached is the proof of delivery, cease and desist and invoice. XXXX XXXX is to cease and desist all forms of communication with me through all mediums. A consumer report is in fact a medium. And by reporting the account it is a indirect communication. By not deleting my account from all credit reports, XXXX XXXX is in direct violation of my Cease and Desist.
Complaint sub-issue: Debt was result of identity theft

I was reviewing my credit report and notice several fraudulent accounts. I provided 2 forms of my ID to prove my identity.