Johnade/consumer_complaints_cfpb huggingface dataset:
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. has violated my rights. 
( XXXX XXXX XXXX # XXXX ; XXXX 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 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: Problem with paying off the loan

I purchased my XXXX XXXX XXXX in XX/XX/XXXX. I purchased the vehicle for {$10000.00} with Carmax Auto Finance. I put down XXXX dollars with a car payment of XXXX for 5 years. I have paid XXXX dollars on my car and after 5 years Carmax Auto Finance is still saying I owe XXXX dollars on a car that is over 12 years old. This is predatory lending practices. They have tacked on an extra XXXX in fees on a vehicle that has been given me major car problems for the last three years. I am very angry and upset and feel I have been taken advantage of. I want the extra XXXX taken off because my car has been paid in full.
Complaint sub-issue: Account information incorrect

I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my Fed loans are XXXX and 160 days late but there are no 30 or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.
Complaint sub-issue: Information is missing that should be on the report

XX/XX/2020 ( Complaint Date ) This Complaint does not pertain to INCORRECT information on my EQUIFAX Credit Report, but it does pertain to the Equifax Credit Reporting Agency NOT showing information that should be shown on my credit report. I have 2 current addresses that should be showing on my Equifax Credit Reports : 1 ) a Physical Address and 2 ) a P. O. Box Address. ONLY THE P.O. BOX ADDRESS IS SHOWING ON MY EQUIFAX CREDIT REPORT. Due to Equifax Website Technicalities, I am unable to enter my current Physical Address ( which has a different zip code ). How can this change to include both my P. O. Box Address and my Physical Address be reflected on my Equifax Credit Report? I've made attempts, in the past, on Equifax 's Website to enter my current Physical Address, but the website doesn't make provisions for me to do so.
Complaint sub-issue: Debt is not mine

I check my credit Report and I found a deb, after I called XXXX and they told me I own some money from a /XXXX in XXXX XXXX the collection company never contact me for no reason I just found out from my credit Report, at this moment I have all the documentation to show I do n't own that bill, but at this moment my credit report got hurt for something I dont own.
Complaint sub-issue: Information is not mine

Equifax and XXXX both have misused and misidentified information reporting on my credit report. Transunion is the only agency which has blocked the identity theft items from appearing. I have submitted all necessary documents including Police report, identity theft affidavit, identification, summary of fraudulent items asking to block them per FCRA 605B, and credit report with items circled. I have submitted it at least 10 times in the past year to XXXX which fails to yield results and they do not notify me that they are refusing to block the information. Secondly, I have submitted the same documentation 76 different times via fax, online, and mail to Equifax. They have failed to notify me of any information. When calling Equifax , I asked to conference call one of the creditors. We did so and the creditor verified it was fraud and to remove it. Rather than removing it, Equifax placed items ONTO my credit report which were never mine. They are included at least XXXX inquiries which were over 2 years old and several accounts never belonging to me. They then claim that they investigated the matter and that they verified the information and will not remove it. Both Agencies treat it as a dispute taking 30 days rather than an identity theft block request which takes 4 days. Also, in XXXX instances, Equifax " completes '' their investigation in just 2 days saying they verified my social, name and Date of birth. This isnt possible and if it was too, it shows I was a victim of identity theft and of course they used MY information. Both Equifax and XXXX have failed on many occasions to address my concerns and I plan to file suit if it is not resolved immediately.
Complaint sub-issue: Debt is not yours

I received a call from a debt collection agency entitled " Debt Solutions, Incorporated '' stating that they had a debt for me that had not yet hit my credit but could shortly. I immediately asked what date they showed on the account as it was unfamiliar to me and the representative stated it was XXXX so not yet past the period they could collect. Again as it was unfamiliar to me, I asked to have a " Validity of Debt '' letter emailed to me which they kindly agreed to. Upon review it was apparent to me that they were not, and had not been, truthful. 

The letter indicated that account had been opened on XX/XX/XXXX, so 14 years ago! They had also indicated a charge-off date of somewhere in the XXXX era but the letter provided showed XX/XX/XXXX or a mere 3 months after the account opened. 

My initial response to the " VOD '' letter stated exactly, and I do mean exactly, the following : " I definitely dispute the validity of this debt and this correspondence should be considered my notification in writing as such. '' During the initial call in which I had requested the VOD letter, we had also arranged a follow-up call which I just received and which prompted this complaint now. The same individual that had contacted me initially was the one reaching out, and after quickly alleging the debt was not valid and that the dates on the letter didn't align with what they had told me the first time, I wasn't responsible for it. This prompted the agent to then transfer me to their " supervisor '' who immediately offered me a settlement for several hundred dollars. I repeated to this new person that even a settlement made no sense when all I was doing was disputing the validity of the debt itself. 

The " supervisor '' repeatedly said " you know this debt is yours and you have a responsibility to pay it '' to which I replied that I had stated numerous times including once in writing that I disputed the validity and that the dates on the VOD letter did not align with what I had been told by now two people from Debt Solutions, INC. '' He continued to say that what I was saying wasn't truthful and that further action would be taken against me. I simply stated that I disputed the validity and he continued to suggest that I was refusing to pay and that I had said as much. 

After that I injected legalese into the conversation to the effect that our words had ramifications and him saying I was refusing to pay had consequences and comparably my disputing the validity did as well. I said he was in no uncertain terms calling me a liar after which he simply disconnected the call. 

I would like to not be contacted by this company again and I am reporting their dishonest actions so this happens to fewer people. There are many people who receive calls like this that would simply accept the debt 's validity and pay it without asking for proof but the letter they provided indicated no such proof.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. 
This creditor has violated my rights. 

under 15 USC 1681 section 6 0 2, States I have the right to privacy.

15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an Account without my written instructions.

Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an Open end consumer credit plan as late for any purpose.
Complaint sub-issue: Billing problem

I have purchased a used car and have been making double payments, and all of the money have been applied to finance charge only and not my priciple for almost a year. 
Ally claims that I have been making payments late which is a false statement. I had my due date moved due to financial reasons. Attached to this complaint are the receipts that I have been making payments and the amount {$14000.00} over a year and the amount is the same. This is a predatory car loan.
Complaint sub-issue: Information is not mine

Unauthorized inquiry appeared on my equifax credit report by XXXX XXXX XXXX on the XXXX of XXXX, 2015.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/2018 I purchased a {$200.00} giftcard issued by US Bank and the card is not working - it's getting declined when trying to use it. I have contacted US Bank about the issue and was told to fax the copy of the giftcard from the front and back, the receipt from the store ( XXXX XXXX ), my info ( name, phone number, address, copy of my drivers license ). I did fax everything that was requested. 

On XX/XX/2018 I have called AGAIN ( because the giftcard is not working yet XXXX and asked for information when the card will be working and received no response. I was told that they " don't know ''. 

This is absolutely not acceptable! The giftcard was paid in full more than 48 hours ago and the giftcard issuer doesn't know when I could use the card??
Complaint sub-issue: Credit inquiries on your report that you don't recognize

accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpo
Complaint sub-issue: Frequent or repeated calls

I have tried contacting this company numerous times. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I left messages twice and the other times mailbox is full. I have also tried to correspond through the mail. I received the letter stating I owed a debt and I had until XX/XX/XXXX to dispute. I noticed this was added to my credit before XX/XX/XXXX and in attempts to resolve to debt no one would respond to me. I have insurance and I haven't been able to submit this due to not being able to reach anyone.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX I took out a personal loan for XXXX. XX/XX/XXXX I played this loan in full as per what the online payment told me to pay. I have not received any correspondence with this company. I found it on my credit report when I went to purchase a home ... it even shows my last payment date but it shows I have been making monthly payments. How? I want aware, I have called. Sent emails, sent correspondence but never get a answer from the company..the company just keeps adding money in one them. I paid my loan in full on line XX/XX/2017 ... this account was paid in full including interest for XX/XX/XXXX even though first payment was not due till XX/XX/XXXX. This account needs to show closed and I cant believe a company can lie on you but never return calls, letters emails. Please look deeper there is fraud being done and sidley I'm the person being harmed.
Complaint sub-issue: Fraudulent loan

In XXXX I went to a Drivetime dealership and signed a loan for a XXXX XXXX. At the time of the loan I was struggling to make the payments on my XXXX XXXX. The saleperson was fully aware I was struggling, they talked in to a payment on the XXXX that was more expensive that the XXXX. I could not afford both loans. They continued to talk me into the deal and advise me I should give the XXXX back to the bank. I was persopnally in a distraught situation by being behind on the XXXX. Furthermore they talked me into warranties that when it came tio use them because the vehicle needed repairs, they denied me and I had to fight with them to get them to honor the repairs. I ended up falling behind with them, and eventually, because the payment was too high, I ended up giving the vehicle back to them. 2 years go by and then they sold the account to a collection agency. Due to the predator lending tatics, knowing I was stressed out about being behind which they knew about at the time of the loan, and giving me a higher payment on a vehicle that was 8 years old at the time, and advising I should let the other car go, they should buy the debt back from the collection company, close gthe account and never sell the debt again
Complaint sub-issue: Funds not received from closed account

I receive a XXXX payment from Social Security Administration on a US Direct Deposit Comerica Bank card I transferred to direct  deposit to my in my wife 's bank account and upon doing so and then learning that that occurred they cancelled previous payments that were received by my credit card company 15 days prior after credit card company receiving the funds they refuse to explain identify or have any explanation of where this money is orgone other than making the statement that the funds were available but would be declined on the 3rd which clearly must have been backdated my records and receipts indicate the funds were available to an addition {$6.00} more than the bills I payed after her employee representative admitted that the amount was correct and there was an additional {$6.00} available after both bills was paid and then I was transferred immediately to a supervisor which could not explain where the {$210.00} is or I had gone to that I would not get it though that was made clear I started more time and ask for paperwork to be sent to me so we can further more try remedy the situation amd I was hung up on
Complaint sub-issue: Was not notified of investigation status or results

I currently have a dozen ( 12 ) collection reporting only to Equifax with no creditor data attached to them. I believe these may have been old medical bills which have long since been paid and should never have been reported as collections. Since I have no creditor information for any of these accounts I am unable to verify anything about these accounts.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX  and Equifax about multiple accounts that are showing on my credit report that do not belong to me. I have contacted XXXX  and Equifax by phone and by regular mail and certified mail multiple times and provided them a copy of my recent credit report outlining that I was a victim of identity theft/identity fraud yet they have refused to act in compliance with the FCRA Section 605 ( B ) by utilizing my police report and blocking this fraudulent information from my credit file. There are multiple accounts on my credit file that do not belong to me, and I have painstakingly attempted to resolve this with them. The following accounts do not belong to me : XXXX XXXX Credit Card with a balance of over {$8000.00} XXXX XXXX XXXX loan with a balance of over {$3000.00} A XXXX XXXX Credit Card that has no balance, but is still not mine and the credit limit is around {$30000.00} These are not my accounts and were opened fraudulently in my name by a thief using my correct personal information that was obtained unlawfully.
Complaint sub-issue: Information belongs to someone else

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges.
Complaint sub-issue: Information belongs to someone else

Being a victim of Fraud and Identity theft. I recently pulled my credit report and the accounts being reported are inaccurate and I havent had these accounts. Public Records Bankruptcy. XXXX XXXX. 

HARD INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.Under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give any documents related to an account that is requested Please send me copies of all records relating to the account, including : date account open all sign original contract
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i am a victim of identity theft.i checked my credit report and see some fraud inquiries listed that were not generated by me.
Complaint sub-issue: Account status incorrect

This credit bureau decreased my credit score over XXXX + points when a delinquent account was removed from my credit report. Should n't my score increase instead of decrease or have I read all credit reporting wrong??? 
This credit bureau is constantly messing up my reports, scores and monitoring them is a job in itself. 

Credit score should INCREASE not DECREASE if a delinquent account is removed.
Complaint sub-issue: Used obscene, profane, or other abusive language

Caller refused to identify themselves. used profane and threatening language. They threatened to get sheriff to arrest me and put me in a forced labior camp. used XXXX slurs.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXX XXXX XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. 
Personal information is wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I never lived at this address, please remove immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.
Complaint sub-issue: Account status incorrect

There are a number of individuals dating in concert with XXXX  who have created, perpetrated and carried out a credit fraud scheme and synthetic identity theft that transcends the existing system for the purpose of personal gain and international coercion. These individuals have had illegal access to XXXX XXXX XXXX credit file and have been able to place accounts and other remarks on my report to act adversarially towards him while gaining ie obtaining of property and monies using this system. To my knowledge they are also controlling my physical and electronic communication meaning they are mail men and postal employees as well. I have had several credit monitoring services such as XXXX AND XXXX where this has taken place. I believe that there is a XXXX XXXX  and others from XXXX XXXX and the XXXX  and XXXX  who have been brokering and selling points to people. Plaintiff 's latest attempt to maintain his credit and identity and his use of XXXX XXXX services has produced the same result. After purchasing XXXX I observed several behaviors that repeated. They have added a company named XXXX XXXX  on an account paid in full as part of this scheme to monitor my credit illegally from this individual with access to my credit and who are fabricating my credit scores. This company is a front and ha been added as part of a scheme to control me socio economically from XXXX XXXX, This company has refused to respond to my notifications as well as your agency. the attached credit scores are fabricated and they are preventing me from Equifax as well as XXXX.