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

In accordance with the Fair Credit Reporting act the following accounts below have violated my rights. 
XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX account # 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. I did not give written consent for theses accounts to be on my report THE ABOVE ACCOUNTS HAVE violated my rights. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by including transactions and experiences by including late payment and utilization. 
Because of the violation i would like the about accounts in violation of the fcra to be deleted from my report. 

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 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: Money was taken from your account on the wrong day or for the wrong amount

Square.com as a payment processor holding my funds. They requested several documents, even connected to my bank account and after that they send an email that indicates my account is okay and I can accept payments. After 4 days, my sales come to total of {$1300.00} and they deactivated my account. Now they are holding funds for 120 days and there is no way to reach a person to talk about the issue. 

On the other hand, as you can follow from their discussion boards, they are offering loans to customers with high interest. Now, on one side they are holding funds of customers without any explanation, on the other side they are selling this amount to small businesses. 

Please check XXXX search to see how people are without any solution XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Confirmation Number : XXXX. Account Name : XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to Equifax regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) Equifax received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) Equifax provided me with the results of their reinvestigation on XX/XX/2018 stating " information disputed has been verified as accurate, however, information unrelated to your dispute has been updated. '' ( See attached copy of Equifax results of reinvestigation. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) Equifax 's reinvestigation results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. Equifax has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623.  Therefore, if Equifax does not immediately remove this account from my credit report, Equifax will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.
Complaint sub-issue: Information belongs to someone else

I believe i am a victim of identity thief. In XXXX I had my identity stolen through Equifax data breach and this has been confirm on their website. I sent in multiple letter regarding my identity thief incident but XXXX  refuse to send me proof and any document that shows that account belongs to me. I summited a letter as far back as XX/XX/XXXX regarding this incident but they still refused to remove it or show me proof. So far 5 total dispute has been sent and i have the logs and date to prove it and they still never send me any information regarding the fraudulent account but left my credit in a horrendous state. I will include in this the FTC report which i included with 2 letter stating my case and shows proof that i had my identity stolen. I have been on the phone with them for over 10 plus hours and every time the conclusion always come out to the account been verified but without any proof or document. Please help me update this information as i am tired of being ignored by the credit beau.
Complaint sub-issue: Account information incorrect

Comments on my credit not accurate bankruptcy filed XX/XX/2019, which include all XXXX XXXX accounts.
Complaint sub-issue: Contacted me instead of my attorney

Today XX/XX/2015, I received a phone call from XXXX claiming they are debt collector. I think it is a some sort of solicitation, because far as I know, I do n't have anything go into debt collection. I informed the guy immediately, I have an attorney, but he continue to pressure me to ask, if I am filing bankruptcy, even after I repeated about XXXX times that I have an attorney, please contact the attorney directly. He was very forceful, and he claimed ignorance when I informed him that it is illegal to ask me questions when I already inform him that I am represented by an attorney. I asked for his information, I am not sure if he gave accurate information because he was very evasive. He claimed his number is XXXX, name is XXXX ( though he quickly said another name ) with operator number XXXX, company XXXX or something. I gave him my attorney information and hanged up, but I think it was a scam.
Complaint sub-issue: Received bad information about your loan

I have Direct Consolidated loans serviced by FedLoans that are eligible for PSLF forgiveness under the PSLF waiver. FedLoan continues to send emails with misinformation about the waiver. It continues to claim that it is assessing payment counts for the *PSLF waiver. '' On XX/XX/22, I received a letter from FedLoans about an update on my PSLF payment counts with the phrase : " The charts above display the total number of eligible and qualifying payments you have made ( out of the required 120 ) on your eligible loans for PSLF and TEPSLF, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. '' FedLoan does not assess payments for the Waiver. Only the DOE does that. However, by continuing to claim that it does so and informing borrowers of this false claim in letters, FedLoan is causing a panic among borrowers. These borrowers in turn flood FedLoan phone lines and email boxes asking for clarification. This, in turn, causes delays for everyone, including those with legitimate questions. It also causes more complaints for the CFPB. Which is why you are stuck reading this complaint.
Complaint sub-issue: Was not notified of investigation status or results

This has been going on with XXXX, Equifax, and XXXX for years. At first I disputed the mark on my credit because it had been on there for over the years. The age view notified the creditor and the creditor simply changed the date on the credit. On multiple occasions I have asked XXXX, Equifax and XXXX, to please conduct a proper investigation and have the creditor provide proof of said loan with documents showing the terms of the loan and must include my signature. They have not been unable to provide this documentation as it does not exist, but they have yet to remove it from my credit. I have disputed this account multiple times all with different reasons why this is not my loan and the Credit reporting companies do not find any proper documentation proving anything but still don't remove this. I spoke with an agent at XXXX once over there phone, and they said that since the creditor is a member to XXXX they do not investigate and take their word for it. I thought the FCRA was made to prevent situations like this. If damaging someone's credit report, simply because you have the capital to be a member, is permissible by the FTC CFPB and therefore our government, then things are a lot worse than imagined. FTC and CFPB are put in place to protect consumers like me from the frauds which these large corporations continually commit. Credit companies should not be allowed to have members as this is a conflict of interest and the proof is right before you
Complaint sub-issue: Public record information inaccurate

Requested validation of debt from credit reporting agency on tax lien by Recorder of Deeds. Received letter back from Equifax stating " satisfied/released ''. But was not removed from credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity fraud, as a result, fraudulent charges were included on my credit file. I sent this company my dispute with a clear explanation and evidence in as far as my identity fraud is concerned. I even attached to it my Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act for reference.

To my surprise, until now this company is still reporting this fraudulent accounts As I write this letter, this fraudulent account continues to damage my credit file and Equifax doesn't seem to have done anything from the XX/XX/XXXX when my first correspondence was sent and received by them. For yet another time, this account is fraudulent : XXXX XXXX XXXX, Account Number : XXXX Opened XX/XX/XXXX, Credit limit {$4000.00} This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of my identity fraud letter and a copy of my small claims form which am ready to file if they continued their negligence and none compliance. 

This is a written proof of my intent to find a resolution in this case failure to which I will file a lawsuit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

not authorized on XXXX-2017 ally finani made a un authorized inquire need to be removed i tryed to contacted them on this issue and the will not cooperate with me there no proof this is mine and it needs to be removedif you can not show the documents for this must report to XXXX XXXX and XXXX that it needs to be removed from my files
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information is missing that should be on the report

These XXXX accounts below I asked Equifax to verify these accounts on XX/XX/2022 and they still remains on my credit report. I am not understanding how these were verified when there were no information to contact the company that furnished the information. 
XXXX 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 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Acct Name : XXXX XXXX # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct Name : XXXX XXXX # XXXX XXXX  XXXX : Acct Name : # 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 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 I request all late payments be removed from my consumer report also, pursuant to 15 USC $ 1681a ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove these 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 ) you are required to remove/block any items not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & 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 AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt was already discharged in bankruptcy and is no longer owed

I am XXXX XXXX XXXX, currently residing in XXXX XXXX XXXX, XXXX, XXXX XXXX, NJ-XXXX. I had signed up for a Gym membership with : XXXX XXXX XXXX located atXXXX XXXX, XXXX XXXX ; which advertised for {$580.00} for 6 months, sometime in summer XXXX. When I signed up their contract and came back home and checked the contract, I found they misrepresented and they wanted to charge me an exorbitant amount of {$580.00} for a month! I rushed in the next day in the same physical location and wanted to cancel my account. They did not cancel my account. I asked them how come you put me in a contract but can't cancel my contract. They said there is no way to cancel the contract! They gave me an address and told me it is up to the discretion of the Account manager to cancel my contract or not! I sent a certified mail at that address ( I neither have that address or the proof of that certified mail now, it's been so long ) but did not get any response. They did not even have a phone number where I could call to cancel. They basically posted a fake number, which automatically went to voicemail. They already charged me {$580.00} for the first month on my XXXX XXXX XXXX Credit Card. I called XXXX XXXX to dispute this charge and they also couldn't deal with XXXX XXXX XXXX. They blocked the charge. Every month XXXX XXXX XXXX tried to charge my XXXX card unsuccessfully. Soon after, I had lost my job and was going through tumultuous times and had to move to XXXX for my next job and before that had to go to my home country XXXX to get my visa stamped. I kept on calling the number, but no one would pick up. In XXXX XXXX XXXX XXXX   put ~ {$3500.00} on collection. After I tried to resolve it with Omega RMS, the debt-collection agency ; they couldn't get it resolved with XXXX XXXX XXXX. Then I had filed a consumer complaint and the account went away from my credit report. In XXXX, again, the account came back out of nowhere and again went to my credit report as a collection and again hammered my credit score!
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX, XXXX. XXXX XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexix laced my credit report with false entries again. 
On my XXXX  report since XX/XX/2019, NOT MY LOSS XXXX XXXX XXXX XXXX XXXX XXXX, not my loss AND DOES NOT BELONG TO ME ON MY REPORT. Delete at once.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXXXXXX I have been disputing with the bureaus and data furnisher for over 6 months with no response on this inaccurate account on my report. BY LAW They have 60 days to respond. FCRA violation. 

I do not think this company is real and every letter I send to them certified gets returned. How are they validating with you???? Please delete this account from my credit report. 

I have attached proof that every letter I sent has been returned. 
The address I retrieved for the data furnisher I got from my credit report and the " companies '' website and both letters have been returned. 

SEE ATTACHMENTS
Complaint sub-issue: Public record information inaccurate

the accounts was dispute however still on credit report in error from XXXX and XXXX court case that XXXX and XXXX agreement due to rent assitance XXXX would cofirm false info Lexis nexis company providing incorrect info for money
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX, XXXX XXXX, and CARTER-YOUNG ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and CARTER-YOUNG ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.