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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : # XXXX, Account 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.
Complaint sub-issue: Their investigation did not fix an error on your report

I AM A VICTIM OF IDENTITY THEFT AND POLICE REPORT FILED. I NOTIFIED THE CREDIT BUREAUS NUMEROUS TIMES SUBMITTED ALL NECCESSARY PAPERWORK TO THE BUREAUS AS THEY ASKED AND THEY HAVE NOT REMOVED THE FRAUDULENT ITEMS THAT THEY WERE DIRECTED TOO. I SPELLED OUT EVERYTHING FOR THEM CIRCLED THE ITEMS ON MY CREDIT REPORT BUT THEY DISOBEYED THE LAW AND FAILED TO REMOVE SAID ITEMS DETAILED IN CREDT REPORT.
Complaint sub-issue: Account status incorrect

I have been disputing since XX/XX/2020 with the credit bureaus on a few collections and they have done nothing about the inaccurate information that is being reported on my credit file. There is so much information on my credit file that is being reporting inaccurately. I have been disputing and they have been blatantly ignoring the issue at hand.
Complaint sub-issue: Personal information incorrect

I have never lived in Texas. The address in Texas is not me. Thanks
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts were created shortly after my identity was stolen I have no knowledge of these account
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. CREDCO/XXXX  XXXX Inquiry : XXXX XXXX, 2019, CREDCO/XXXX  XXXX Inquiry : XXXX XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 U.S. DEPARTMENT OF EDUCATION 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: Debt is not yours

I recently started receiving text messages from a company by the name of MRSBPO. The company is accusing me of an owed debt from XXXX in the amount of XXXX. After my service was canceled due to consistent technical problems and a verbal agreement for charges to be waived. I have tried multiple times to contact the company and have been unsuccessful due to longer than normal hold times, and being disconnected on their end. The miscommunication have lead me to believe this company is a scam and do not want to discuss debt matters with consumers. I do not have a signed contract or any contract/agreement with this company. I am being harassed through text messages from this company. Although, I have not given consent to receive text message alerts. I would like this matter properly investigated and deleted from my credit report. The company is showing 3 different ways on my credit reports. MRSBPO MRSBPO LLC MRS ASSOCIATES
Complaint sub-issue: Public record information inaccurate

i have been sending letters to the cras ( XXXX EQUIFAX, XXXX ) to get this matter corrected since XX/XX/2021and they has done nothing or responded to my letters, it has been more than 30 days without no response.i am complaining about the inaccurate bankruptcy that they are reporting and won't delete it from my credit report.i even sent more letters off onXX/XX/2021 about the same situation and i am getting stress out behind this cause i am getting taking advantage of. they wont update the inaccurate personal information either.
Complaint sub-issue: Account status incorrect

The credit bureaus are reporting two credit cards on my account. I did not give these company 's my social security number or permission to use and share my information. They have violated my rights as per 15 U.S. code 1681 ( a ).
Complaint sub-issue: Information belongs to someone else

I mailed Equifax the necessary paperwork to remove the accounts on the credit files that did not belong to me and I have not seen any change and I have gotten no response
Complaint sub-issue: Company closed your account

My card provider has a policy of closing an account which has been inactive for a period of 24 months. My card account was closed due to inactivity, This action has dropped my credit score from XXXX to XXXX ... 
This action had nothing at all to do with non-payment or delinquency, it was simply lack of use on this card. Now I am penalized on my FICO score by a 23 point drop. I have made all of the calls necessary to address the problem, the bank card, the three credit monitoring agencies, and XXXX ... .and there is nothing that can be done. A 23 point drop seems harsh and punitive.
Complaint sub-issue: Account information incorrect

XXXX   XXXX   is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that   XXXX   XXXX   is reporting on my credit report. If   XXXX   XXXX   can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to   XXXX   XXXX   in regards to this issue but have yet to receive a response.
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  XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , PA   XXXX   This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
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Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
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I demand the following account be properly verified or removed immediately.
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NameofAccount : Date Reported : ProvidePhysicalProofofVerification :   XXXX   XXXX    {$46000.00}   XXXX   XXXX  , 2011 Unverified Account
Complaint sub-issue: Debt is not yours

ERC : Enhanced Recovery is reporting on my credit file, for one, I never got a 30 day right to dispute or any notification, they just put it on my report. Also they are collecting for XXXX whom I do not owe .... I signed up for XXXX awhile back because they promised me they have coverage where I live, which is very very rural. They said I would have service and no roaming fees. So I switch, well my first bill was $ 1100+ because everything was in fact roaming, they do not provide coverage in my area I found out after speaking with a manager. So I do not owe this bill, they are lying to customers and doing bad business. I would pay what my normal bill should have been but I will not pay for extra fees in which I would have never had if I did n't switch over with them promising me I would have coverage. They need to be investigated as they have hundreds of thousands of complaints regarding this
Complaint sub-issue: Problem with fees charged

Purchased a new XXXX in XXXX XXXX XXXX, was told after i had the car am almost a month that i owed for a down payment that was never received by Tesla, Ive asked several times that they check their records because i paid my down payment and even submitted proof that the payment was debited from my checking account, now I'm being threatened daily of a repossession that cant be legal.
Complaint sub-issue: Didn't receive notice of right to dispute

This was an approved visit to hospital by the XXXX XXXX. The VA has communicated with the hospital and has paid. After speaking with VA and hospital it was clear that Radiologist billed incorrectly. VA has already spoken to them about proper procedures.
Complaint sub-issue: Information belongs to someone else

XXXX  reporter a debt that is not mine. I never lived at the property reported during the time reported
Complaint sub-issue: Received bad information about your loan

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX through XX/XX/XXXX are listed as ineligible due to a period of Deferment or Forbearance, however, my loans were in repayment at that time. Those months should be qualifying for XXXX. Additionally, my eligible payments are only showing from XX/XX/XXXX forward, though I have been working at a qualifying employer and in repayment since XX/XX/XXXX, with a brief forbearance from XXXX through XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

There is an open student loan reported on my credit report that I never took out. When I contacted the companies both XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) they said there is no loan connected to my name or my social security number but they can't go in to change this and that I needed to go to the credit bureau.
Complaint sub-issue: Investigation took more than 30 days

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Complaint sub-issue: Account information incorrect

XXXX XXXX  wrote this loan off in XX/XX/XXXX Since then they have continued to add accrued interest and fees to the loan increasing the balance and continue to report as new activity each month even though it reflects a date of last activity from XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

A recording on XX/XX/XXXX, Citibank and Borrower, XXXX XXXX XXXX, created an equity line of credit for {$130000.00} on my property : XXXX XXXX XXXX XXXX, # XXXX in XXXX XXXX, California XXXX. Loan #  XXXX. 

My name is XXXX XXXX XXXX, the current owner of said-residence above. XXXX XXXX sold this property to me and it was transferred to me on XX/XX/XXXX. There were no records of the Line of Credit that XXXX XXXX and Citibank had created a month before she sold the house to me. There were no public records of the HELOC during escrow nor after. It was recorded by Citibank on XX/XX/XXXX. 

Unbeknownst to me, I have agreed to sell this property to Buyer : XXXX XXXX and it was scheduled to close tomorrow XX/XX/XXXX. However, we are blocked by this cloud on my condo and I tried to reach XXXX XXXX to no avail. Then, we have our Title Officer, XXXX XXXX faxed over the Deed of Trust to CitiBank XXXX XX/XX/XXXX/XX/XX/XXXX, as suggested by their customer service, yesterday. By policy Lenders would not talk to anyone of us but XXXX XXXX. The previous title company can not get involve due to the recording of the Deed of Trust. It was recorded 6 months after the Transfer Date. So far, we have not heard from Citibank. 

We now have a big problem on our hand. Buyer, XXXX XXXX, has made plan to move in after tomorrow. I need this cloud on my property to be remove, ponto! 

Can you please call Citibank XXXX, opt. XXXX ( when they ask for loan #, XXXX XXXX # XXXX # XXXX #. ) Please contact me, XXXX to let me know that you have received this complaint. Today, if not sooner! Email : XXXX. 

I will appreciate your prompt attention to this matter.
Complaint sub-issue: Reporting company used your report improperly

Today I reached out to Lexis Nexis via phone. I called XXXX and was transferred and told the correct number to reach someone who handles my issue was XXXX. I was transferred to Representative XXXX. I informed her that I received my Lexis Nexis results stating they had removed both bankruptcies from their credit file and that correspondence was dated XX/XX/22. I asked the representative since they are the FURNISHER of bankruptcies for XXXX, XXXX, and XXXX did Lexis Nexis send an update to them to either remove or update that it is has been found per Lexis Nexis investigation that it was unverifiable. The representative XXXX stated no and that the credit bureaus have access to my Lexis Nexis file and can pull it up. I requested that they send an update to the three major credit bureaus informing them of this update, representative XXXX refused. I asked for the compliant department and she informed me to send an email. I requested to speak to a supervisor and she placed me on hold for over 3 minutes before hanging up on me. In the state of Maryland hanging up on someone is XXXX. 

FCRA 623 ( a ) ( 2 ) ( B ) a furnisher of information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions.
Complaint sub-issue: Was not notified of investigation status or results

All 3 Bureaus collectively have refused to issue proof or methods of verification for items I have disputed with them. They continue to send what is seemingly an automated response without addressing my questions or concerns. 

Instead of providing the requested info they keep stating that it has been verified or previously handled. No additional information for methods of verification or proof of an investigation at all. 

Per the FCRA SECTION 611 ( SCREENSHOT PROVIDED ) I am allowed to submit a request a description of the reinvestigation procedure. It should be granted the first time without me having to file complaints.
Complaint sub-issue: Debt was paid

They claimed I did not return their devices which I then called their wear house and they confirmed with me on the phone they had them they then transferred me back to the billing Dept and they then claimed I owed a balance due but my billing was on automatic withdrawal and we left the company to join another with no cancellation fees as our contract was fulfilled. It does not make sense on how I would owe a fee if my contract was fulfilled and I also do not have the devices as they found them in their wear house
Complaint sub-issue: Their investigation did not fix an error on your report

had a car loan with XXXX XXXX XXXX in which was paid off XX/XX/2017 but showing XXXX owed and in chage off with all three credit reporting agencies. i have sent pay off letter from the bank Nd the title of the car i re ie ed from the bank. but they will not remove it from my credit report. the will not let me redispute it also
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. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. 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 against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Billing dispute for services

Sears Citibank Credit Card reported late payments on this months XX/XX/XXXX & XX/XX/XXXX, even though I called with enough time to ask if any payment arrangements will affect my credit report and they said no. Now theyre saying that because the payment was set up a day after my statement closed they needed to report it that way but never mentioned that through the phone. 

I called to postponed it with ahead of time for the same reason to prevent negative impacts to my credit and because I was going through some financial hardships back then. They help with lowering my payment but I was asked to close my account. I want to make sure those late payments are removed from my account, the account is in good standing and everything owed or due back then was resolved within enough time.
Complaint sub-issue: Frequent or repeated calls

This company calls me over and over and over. Ive told them could they not call me during my work hours. I work on the phone and them steadily calling me is a distraction. 
Theyve called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today. Ive already sent them a cease letter as well as a debt verification letter.
Complaint sub-issue: Their investigation did not fix an error on your report

The student loan account had incorrect contact information and I did not receive mail correspondence about bill being due. Additionally, this happened during COVID pandemic and XXXX XXXX like myself should be given leniency with these things. I'm not sure why this account did not continue to be under the federal pandemic forbearance either. However, since I became aware of this account being actively due I have brought the account to current status and will be making monthly payments to satisfy my loan obligation. 

Account in question Equifax : XXXX XXXX XXXXXXXX Student loan Balance {$4800.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

UNAUTHORIZED CREDIT INQUIRIES ARE LISTED ON MY CONSUMER REPORTS THAT I NEVER AUTHORIZED.
Complaint sub-issue: Their investigation did not fix an error on your report

My student loans were forgiven in XX/XX/2020 by fed loan servicing. For some reason the company intentionally or in error removed the loan completely as a trade line on my credit report. I asked them to please re report to the three credit bureaus reflecting paid in full, satisfied with no late or missed payments. The credit bureaus have no evidence fed loans has done this. In fact XXXX  said if they had in fact done this it would have posted same day. Fed loans is dragging their feet and not helping me and they made the error by removing not completely as a trade line. This affects my credit score. I simply ask that they resubmit showing paid in full, satisfied with no late or missed payments. Thanks.
Complaint sub-issue: Other problem getting your report or credit score

I am a victim of identity theft and recently after the equifax hacking someone opened a credit card with my information and charged several hundred dollars. Equifax sent my credit report but say I have to pay them to get my credit score. After all they have put me and millions of other consumers through we should not have to pay them anything.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried many times to get these Account of my credit report. i have submitted the correct information please help XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  credit bureaus and creditors 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In XXXX of 2020 Equifax gas a credit breach and my information was compromised resulting in unwanted charges as also credit inquiries. My email address has been compromised as well as my back account.