Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX XXXX  and Account XXXX XXXX Co 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 account with my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account in violation is not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.
Complaint sub-issue: Problem getting report or credit score

I sent a letter to Equifax outlining errors on my credit report in XX/XX/XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.
Complaint sub-issue: Debt is not yours

This is an ongoing issue that originated with XXXX after I closed an account in person. The account was not properly closed, which was a bank error resulting in charges to myself. I made relentless attempts to resolve this matter, and now the debt has been forwarded to a collection agency.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Original Creditor XXXX 12 XXXX NEGATIVE SHARE ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Didn't receive enough information to verify debt

A company called True Accord sent an unsecured email to me on behalf of my wife disclosing to me that they're intending to collect a debt and the dollar amount of the debt. From what I understand, they are in violation of the law, considering they performed zero diligence in confirming who they sent an unsecured email to was in-fact related to my wife.
Complaint sub-issue: Not given enough info to verify debt

I owe an auto loan debt for a vehicle that was repossessed XXXX XXXX, XXXX to the XXXX XXXX XXXX XXXX XXXX and was notified by such entity some time between XXXX XXXX and XXXX XXXX that the debt would be transferred to a debt collection agency. Around the end of XXXX XXXX, I contacted the credit union to find out who the collection agency was because I had n't heard anything since I received the letter and they gave me Grant and Weber 's name and phone number. I called Grant and Weber and asked the rep if they had an account for me ; she transferred me and it rang then went to voicemail so I left a voicemail message with my contact info. I have not received any notification in writing nor by telephone from the Grant and Weber agency about how I may make payments on this account. I have contacted both agencies multiple times over the past 3 months and all the credit union tells me is that Grant and Weber has all the information they need and the account is with them. In XXXX XXXX, Grant and Weber told me that they did n't have an account for me. About an hour later, they called back and said that the reason they could n't find an account for me was because they did n't have enough information from XXXX XXXX XXXX XXXX XXXX to establish the account. Grant and Webber told me this approximately 15 months after I received written notification from the XXXX XXXX XXXX XXXX XXXX that the account would be sent to collections. This is a severe lack of due diligence on Grant and Weber 's part! I also do not understand why XXXX XXXX XXXX XXXX XXXX has not been remediating my account with Grant and Weber since I informed them multiple times that Grant and Weber has not gotten back to me and they must know that they have not been receiving payments since they report the account 's status to the credit bureaus! I have been unable to make payments on this outstanding debt for over 18 months! This is completely ridiculous and unfair! I contacted the XXXX XXXX XXXX XXXX XXXX again today, XXXX/XXXX/XXXX and spoke to the representative that I spoke to in XXXX and asked him if Grant and Weber had contacted them about the missing information and he said no, Grant and Weber has all the information needed. He said he 'd call me back within the hour. It has been nearly an hour and no call back from the XXXX XXXX XXXX XXXX XXXX XXXX All I am trying to do is take care of my responsibility now that I am employed and able to make payments. This is emotionally, mentally, and financially draining!
Complaint sub-issue: Investigation took more than 30 days

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$1600.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Complaint sub-issue: Reporting company used your report improperly

In Summary, I have excellent credit. I rarely get hard queries on my report because I'm very sensitive about doing credit pulls. I went to XXXX XXXX and my wife wanted to buy something. They offered me an additional 25 % on the purchase if my XXXX 's account was inactive. I said what does that mean, they responded, if you're account hasn't been used in a long time ( undefined at the time ) you could be eligible. I said sure is there an easy way to find out. They said yes. I explicity stated there is not credit pulls on this, is there - they said no. I said great. Then they noticed my card was expire or wasn't updated because new cards have a chip. They said we can reissue you a new card. At this point i got home and received a new card in the mail and sure enough, i got an alert from my credit monitoring company that XXXX XXXX XXXX ran credit on me WITHOUT my consent. I have emailed and called XXXX 's about this with no response. I will be pursing legal action on XXXX 's if they don't get this remidated. I noticed i could file a complaint with CFPB because i'm sure others went through this exact process and this is plain freveloous not letting customers konw they are doing a credit pull without the express content of their customers.
Complaint sub-issue: Information belongs to someone else

Stolen Account what account open in my name stole identity online purchase
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We used our Citibank credit card to purchase a dog from XXXX. From the day we purchased the puppy he was sick. 10 days later he died. We have placed a dispute and appealed our dispute and we were denied. The XXXX has agreed to give us a store credit for the amount but we do not want to go back there after they sold us a sick puppy. My poor family has been crying for weeks over this and we are getting no resolution. Thank you for your help.
Complaint sub-issue: Reinserted previously deleted info

On XXXX XXXX, 2016 I disputed an account that was on my report from XXXX XXXX XXXX with all XXXX Bureaus - All the Bureaus removed the data except XXXX On XX/XX/XXXX16 I received an updated credit report from Equifax ( see attached ) stating that the item had been removed. On XX/XX/XXXX16 ( see attached ) I pull my report and confirmed it was removed. On XX/XX/XXXX16 I received a notice that the item had been reinserted on XX/XX/XXXX16 ( see attached ) and on XX/XX/XXXX16 I pulled my report and confirmed that the item had clearly been reinserted. This is a violation of the FDCRA and I need your help.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I C systems Inc is reporting theses alleged accounts with XXXX XXXX XXXX XXXX XXXX on my credit report and I do n't owe them any money. I returned the equipment to XXXX and received a receipt with a zero balance. I didnt have service with XXXX XXXX XXXX. I C Systems started reporting these alleged accounts on my credit reports with the the CRA 's ( XXXX, XXXX XXXX and XXXX ) without notifying me and continue to verify them after I have disputed them and requested verification of debt from I C Systems. They are in violation of FCRA 1681s-2 ( b ).
Complaint sub-issue: Reporting company used your report improperly

My wife 's and my information had been compromised in the recent days breech.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8.00} ; XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Unable to open an account

I opened a checking account with Citi Bank based on an advertisement to open the account. The account was immediately closed and I have spent over XXXX hours on various days and times trying to get somebody to tell me why. The bank is holding $ XXXX of my funds and said I should have gotten a letter explaining why they closed my account and nobody on their customer service can tell me why. The bank said I may not get my funds back that I deposited for over 60 days. I have gotten the run around the last XXXX times I have called. I should be able to have somebody tell me why my account was flagged and closed upon account opening and the bank should not hold my funds for XXXX plus days.
Complaint sub-issue: Information is not mine

Someone used my social security to use a XXXX XXXX security service. I have never owned any kind of security system and this is a fraudulent item XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2014 Open {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) 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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Can't temporarily postpone payments

I have a private student loan from Discover. I am currently a XXXX, making XXXX per year and can not repay my loans at this time. With all other loans, including all other federal and private loans I am able to apply for forebearance as long as I supply proof that I am still in training. 
Discover has told me that I " can only be in residency 4 years '' and that my ability to forebear my loan is over and I must pay up. I have explained to multiple discover reps who call to harrass me that I am still in traning. They continue to tell me that I can only be in training for 4 years and now I have to pay. 
I make $ XXXX. I AM STILL IN TRAINING. It is crazy that Discover is telling me I have a job and I have a higher salary
Complaint sub-issue: Can't close your account

I started the process to sign up for the Upgrade card not realizing it was not a traditional credit card. I never completed the process and sent an email to their customer service asking to cancel. No response and they went ahead and sent me a card anyway, even though I never completed the process. Yesterday I called and a machine told me that the expected wait time was 63-65 minutes and asked if I would like a call back. I never got one. Tonight I have been on hold for nearly three hours and counting. About an hour and 15 minutes into my wait I spoke to a representative who told me that he would transfer me to account services and someone there would be able to help me. Im still holding, going on three hours, and still have not succeeded in canceling my account.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names address and accounts not mine filed to FTC XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$440.00} Date XXXX Dispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$450.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Account status incorrect

I contacted XXXX XXXX XXXX and informed the agency that my late payment was directly due to COVID-19 and a XXXX XXXX in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.
Complaint sub-issue: Account information incorrect

The following accounts are incorrect, and they are adversely affecting my livelihood XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$500.00}, {$1500.00}, {$400.00}, {$1000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account. 

5. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on XXXX - XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 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 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 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 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