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

On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
Complaint sub-issue: Attempted to collect wrong amount

PHEAA offered rehab program based on my income. I receive {$1300.00} from XXXX. PHEAA garnished $ XXXX/mo for several months and then began taking $ XXXX/mo as well. I demanded they stop taking the {$200.00} as part of the rehab program but they are still garnishing me $ XXXX/mo which I do n't believe is based on my income. Also, they should be able to forgive the entire debt based on my XXXX but they wo n't because I get reviewed every 2 yrs instead of every 5 yrs. This is ridiculous XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX, as XXXX XXXX XXXX XXXX XXXX in the amount of {$680.00}, XXXX XXXX in the amounts of {$390.00}, {$400.00}, and {$770.00}, and XXXX XXXX XXXX in the amount of # XXXX. 
has violated my rights. 

15 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 reporting agency can not furnish an account without my written instructions. 

Under Engelhardt v. Gravens " I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists, ''
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent and submitted request for verification of a bankruptcy on my credit report several times through mail and online and all 3 credit bureaus refused to send any verification or proof that explicitly shows this belongs to this XXXX XXXX, that shows the contract or my signature. They also respond with, it has been verified with nothing to proof or that shows verification of belonging to me. I have my right under section 609 to view and review any documents that show and proof that belongs to me.
Complaint sub-issue: Reporting company used your report improperly

I reviewed my report and I noticed the following inquiries are unauthorized : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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. 

XXXXXXXX XXXX XXXX  XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XX/XX/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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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. 

15 U.S.C. 1681sXXXX ( 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: Debt resulted from identity theft

10 years a go my wallet was stolen, I reported all my stuff, someone still managed to take a withdrawl from my account, of like XXXX dollars. Apparently along the lines this went into collection. This company was harrassing me to the point where they said they were gon na garnish my wages for like {$4000.00}, unless I start a payment plan with them for 2000. So they convinced me reluctantly to give my card info, and now they are taking out unauthorized payments and my kids have no XXXX. They are called XXXX XXXX and XXXX.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I received XXXX notices from XXXX XXXX XXXX that my student loans were eligible for default. The letters went on to say that XXXX verified my employment and that my lender may contact my employer to institute a wage garnishment. 

I have not had loans with this company for years. I called and both XXXX and the lender told me this was a mistake by XXXX, that they accidentally sent out THOUSANDS of these letters to consumers. This is atrocious.
Complaint sub-issue: Problem with product or service terms changing

My information was stolen and I was not alerted until months later. I am upset and am filing a complaint against Equifax! I want information to seek legal assistance, their offer to help me for a year is not enough. My life and finances are compromised due to their mistake.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spoke to Equifax today regarding unauthorize inquiries reporting on my credit report. The agent stated that they can not remove them because they are factual. This is against the law to be reporting inquires that are not authorized by a consumer. Equifax has violated my rights as a consumer to an accurate credit report according to the FCRA.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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: Receiving unwanted marketing/advertising

My Credit Report issued by any and all credit agencies included a list of all businesses who have check my credit and ordered a copy of my Credit Report. There were a total of XXXX businesses in the list during the year 2014 alone. None of the businesses had my permission to obtain my Credit Report. They acted illegally in obtaining my Credit Report. 
During said time, I was shopping for better insurance on my home and car on the internet. 
I was also shopping for a refinancing of my home mortgage with a small amount of " cash out '' of my equity to pay enormous medical bills not covered by my health Insurance. 
Neither of these reasons should affect my Credit Rating, but they do, for reasons I am not aware of. 
All of the companies in the list should and must be eliminated from my Credit Report. Their need for information on my Credit Report is purely speculative in nature, and prejudicial as any negative statement on my Credit Report. They have usurped their need to my demand for privacy.
Complaint sub-issue: Didn't receive enough information to verify debt

This letter is a formal compliant that you are reporting and incomplete credit information. 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 that 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 ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Complaint sub-issue: Problem getting report or credit score

Please see the CFPB number listed below and the response from Equifax. Equifax stated they would send a copy of my credit report and score, which they did not ... I was denied credit based off the score Equifax provide XXXX XXXX. I have Equifax Monitoring system, and they score is stating I have an XXXX, but the score provide to XXXX XXXX is XXXX ... I have attached the letter from Equifax stating they would provide me with my score. I attached the letter they sent as always they are trying to hide the truth! 
Please question why Equifax did not send the score and report as they promised. Now, I have been denied credit because if there concerns with keeping consumers credits score low for greater interest rate for banks and others. Please see all the attached letters and sue Equifax for there action and I will consult an lawyer as well. 

How can Equifax provide a score directly from there site and give a creditor a totally different score .... XXXX stated they got that score directly from Equifax! Please see pictures and letters. Someone is not telling the truth and the lawyer will find out as well. 

# XXXX Response disputed Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. A revised copy of your credit file has been sent to XXXX XXXX. Equifax has sent you a complimentary copy of your credit file with credit score on XXXX/XXXX/16. 
Written confirmation has been mailed to you.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, ALLY FINANCIAL, INC Inquiry : XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Complaint sub-issue: Unexpected increase in interest rate

I contacted XXXX XXXX to help me to determine which of my debts are legitimate. I heard from a company called XXXX, which told me that I had to begin paying on the blll right away. They did not give me any indication about their being legitimate, and the settlement that they offered wasn't any different from what the credit card offered. I have many debts, including a humongous student loan which I've not heard from lately, but which is still on my credit report. I also have a car credit company that is still demanding that I pay on a bill that was long destroyed in a car accident. 

I mention these things because they still are on my report, and I can't pay them because I have not been hired as a XXXX after XXXX years as a XXXX  with a XXXX  '' XXXX degree in Education. 

I am asking for help from you to establish the legitimacy of TrueAccord. Here is their information, from their website : Email : XXXX or call us toll free at XXXX Office Hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

XXXX XXXX, whom is not a Licensed Collection Agency and has no Authority over my debts. They are a Monitoring company and keep sending me emails about my past due accounts, they do not have permission or authority to act as a Debt Recovery Agency, I constantly get emails from them weekly about different debts telling my my accounts need attention. 
I want this stopped!
Complaint sub-issue: Problem making or receiving payments

A {$110.00} on line bill payment was made to  XXXX  automobile policy  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / 2017  via m y KeyBank DDA   XXXX . The payment never found its way to the account at  XXXX .     After  KeyBank  provided a proof of payment that was faxed to  XXXX  in early  XXXX   2017 ,  XXXX  confirmed that the funds were located and that they would refund the {$110.00} back to me. I have yet to receive the funds and neither  XXXX  or  Key have b een of any assistance with location of those funds.  XXXX  advises that the funds were sent back to the bill pay er 3 - 5 da ys after a discussion on  XXXX .     Please help with locating funds and routing to  my KeyBank  DDA  XXXX .     Thank you
Complaint sub-issue: Problem with balance transfer

A balance transfer check was issued from XXXX XXXX XXXX for my Home Depot Account in the amount of {$640.00}. The check was cashed on XX/XX/ according to XXXX ( see attached ). 
I have not received credit to my Home Depot account and several attempts were made to verify that the check was received and was not credited to my account. 
I have been paying interest on my home Depot account, as well as the balance tranfer from XXXX. 
I contacted Citibank and there are stating that there was no signature on the check and could not honor it. 
I hope for a quick resolution of the matter as it has been ongoing for more than a year. 
I find it egregious that a simple matter has resulted in lost of time and money and no apparent
Complaint sub-issue: Debt was result of identity theft

I was the victim of identity theft as a result of an XXXX data breach. I subsequently placed a fraud alert on my credit report and had several alerts from XXXX indicating they received an application for an account that could not be verified. Several months ago, I received a collection notice from XXXX regarding a fraudulent XXXX account. I contacted XXXX and was told no further action was required by me that the issue would be handled based on the information I provided. Today, I received a collection notice from XXXX, on behalf of Jefferson Capital Systems related to the same XXXX account. This is not my account, I am the victim of identity theft. I have provided documentation and a police report in addition to having this documented on my credit file.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I didn't give written or verbal consent to these credit transactions to report to my credit report. XXXX XXXX, XXXX XXXX Bankruptcy, XXXX XXXX XXXX and XXXX XXXX and Equifax have violated my consumer rights and refuse to remove these items. I am a victim of identity theft and didn't give or authorize XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX to access my consumer report XXXX 

SEE ATTACHMENTS
Complaint sub-issue: Account status incorrect

In reviewing my credit report I noticed an account in collections with IC Systems ( XXXX ) from services provided by XXXX XXXX XXXX XXXX, years ago. I closed the account with XXXX XXXX XXXX which had been on 'autopay ' every month through a credit card. I returned all the equipment via mail to XXXX XXXX XXXX as directed. The amount in collections is an even {$200.00}. 

Reasons to believe this is not accurate & have it removed from all credit reporting to XXXX and XXXX : - If I was on autopay, how could this ever have had a balance to go unpaid - The even dollar amount is suspicious as these types of services are never an even amount - XXXX XXXX XXXX wo n't speak with me because the account is closed - XXXX XXXX XXXX continues to seek my business, why is this if I was a delinquent customer? 
- This does n't appear on my XXXX report. 

With the reasons above, please have this removed immediately.
Complaint sub-issue: Personal information incorrect

I recently tried to check my credit report on all 3 car The information that was listed on my credit file has the incorrect birthday And addresses listed incorrectly
Complaint sub-issue: Account status incorrect

In XX/XX/2019 we got to a agreement for me to paid the amount owned directly with a internal agreement lowering my monthly payment to XXXX a month for 60 months and they will close the account on my credit report as charged-off and not report more negative information to the credit bureaus and I have comply with my monthly payments ever since. They take it from my chase account as direct payment every month and they keep reporting to the bureaus that even do the account appears Charge-off is not being paid. They are hitting and damaging my credit score and opportunity to get a home. I cant believe that this Credit Union were I have other accounts that have been never been paid with delayed is working like this. I have called them every month and just pass me from side to side and tell me theres nothing to be done. Its not a fair lending practice from there end and they just dont care.
Complaint sub-issue: Information belongs to someone else

Im very upset because I received my annual credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've already contacted the FTC and the police. I'm doing this on my own and there are still items on my credit report that are not mine. Bankruptcy Chapter XXXX-discharged.
Complaint sub-issue: Reporting company used your report improperly

I am not here to argue, I am not here to defend myself, I am here to establish the fact that I am the original creditor, I am one of the " Persons '' mentioned in the Fifth Amendment that shall not be deprived of any significant property interests, property right, referring to inalienable or other rights without due process of the common law alluded to in the Declaration of Independence, for which it was held " a self-evident truth, that I am endowed by my God and possess inalienable rights '', rights that this body has no authority to Abrogate!

So, once again, under what authority does this body claim it has authority to exercise jurisdiction over a creditor? Since when is a creditor " the debtor ''? And why are they assuming authority over my time, my business, my interests, my property, my rights when it is well established that their authority prohibits them from subjugating a creditor? 

I don't have a contract with their credit reporting companies. I never authorized their credit reporting companies the authority to receive any information or to even furnish a report.

So their companies have violated the U.C.C. 2-106. Definitions : " Contract '' ; " Contract for sale '' ; " Sale '' ; " Present sale " ; " Conforming '' to Contract ; " Termination '' ; " Cancellation ''. Along with 15 U.S. Code 1692-Congressional findings and declaration of purpose.

Therefore all items listed in Exhibit B are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as they are damaging my character, credit worthiness and well being by falsely stating those non-compliant unverifiable accounts on my report. 
I have not received any confirmation on how they have verified the alleged accounts attached in Exhibit B and therefore request that they consider this a final notice to their office. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of any trying to rectify the subterfuge that they are reporting.