Johnade/consumer_complaints_cfpb huggingface dataset:
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 ;
Complaint sub-issue: Didn't receive services that were advertised

Equifax leaked consumer information. I am on a list of potential victims to their poor security practices. Completely unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and XXXX  and Equifax their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this
Complaint sub-issue: Debt was result of identity theft

here is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

XXXX XXXX XXXX # : XXXX Opened : XX/XX/2022 Balance : {$880.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Complaint sub-issue: Problem with balance transfer

I have two complaints on the same transaction. ( 1 ) We are being charged for a balance transfer that we never received ; and ( 2 ) the company changed the offer rate even though we initiated the transaction in time and under the terms of the offer. 
We requested a balance transfer from XXXX XXXX XXXX Visa XXXX XXXX on XX/XX/21 in response to an offer of 7.24 % APR. Subsequently, we received a confirmation in the mail dated XX/XX/21 showing that the APR is 12.24 %. In addition, we hadn't even received the funds as expected. We contacted Cardmember Service on XX/XX/21 stating that we still have not received the funds, after confirming with our bank. Cardmember Service said that they initiated an ACH electronic funds transfer. They could not provide an EFT reference number ( I believe they referred to it as ACH Trace Number ). I confirmed our bank details with them, so it was not a mistake on our end. After speaking with several customer service representatives, they informed us that they would research and send us a letter within 15 business days. They also said that they would not offer the 7.24 % APR rate - even though we submitted the request online on XX/XX/21, they did not process the transaction until after XX/XX/21, which is after that rate expired. 
We received the credit card statement on XX/XX/21 showing that they charged our card for the balance transfer on XX/XX/21 at the rate of 12.24 %, yet as of XX/XX/21, we still have not received the funds and they are unresponsive to our requests.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, BXXXX XXXX XXXX Account # 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: Their investigation did not fix an error on your report

These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in XXXX separate re-investigation requests to Equifax for the following inaccurate accounts : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, Equifax has ignored my requests, which is my right under the FCRA. XXXX XXXX XXXX  has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts. I have disputed these alleged accounts with Equifax, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Complaint sub-issue: Reporting company used your report improperly

To Whom This May Concern, Pursuant to 15 USC 1681a under Exclusion section B, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Congress said any card. The credit card is my social security card. This credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. When a consumer report creates an investigative consumer report, they are not to include factual information and they're also supposed to interview my neighbors and friends or associates. Credit reporting is optional. There is no law saying that any consumer credit transaction has to be reported to a consumer reporting agency. A consumer reporting agency isn't a part of any political subdivision or the government. At the beginning of the FCRA under the congressional findings, Congress removed themselves from liability letting me know that this is an elaborate mechanism and you people assumed this vital role of reporting credit information. I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. If you do not remove it then you are civilly liable for reporting this information and it is inaccurate.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX # XXXX Open XX/XX/XXXX and Paid Off XX/XX/XXXX company sent Tile I Traded car to XXXX XXXX XXXX 4 months later company place account back on repost as late pay or closed or paid in full or charge off 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also States a consumers reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : No Consumers reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

XXXX  keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.
Complaint sub-issue: Account status incorrect

On XXXX XXXX, XXXX, I submitted a certified written dispute. The reason for my dispute was for 30 days late reporting on my credit file. I firmly believe this is inaccurate information reporting or a system error. I was never late or ever missed a payment on this account. I haven't received a response on this issue ; I have asked 30 days late to remove it from my credit file. I'm challenging this issue through the CFPB to correct this issue and conduct a reasonable investigation. If you refuse to fix this inaccurate information or remove the data from my credit file, you will be inviolate by the Fair Credit Reporting Act. I will open up a sue in Federal Court ; I will open up a complaint with the XXXX. I have supporting documentation to support my sue and complaint. I have a payment transaction date on XXXX XXXX. I made a double payment ; I paid for XX/XX/XXXX and XX/XX/XXXX. I was never late. Account Number : XXXX XXXX Account # : XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXXXXXX XXXX  XXXX ; Highest Balance {$10000.00} XXXX XXXX XXXX ; Highest Balance {$10000.00} XXXX ; Balance {$0.00} These accounts are not my accounts. They are reporting late and Ive never even opened these accounts nor do I know where they come from. I dont own a bank account to revive a loan. This is fraudulent!
Complaint sub-issue: Didn't receive terms that were advertised

I signed up for Citibank 's " {$500.00} Bonus when you open a new checking and savings account in the Citi Account Package '' promotion via the manager in Citi branch ( XXXX XXXX, XXXX XXXX, NY XXXX ). The deposit of {$15000.00} within 30 days was met on XX/XX/XXXX. The direct deposit in two consecutive months was met as well. Maintain a minimum balance of {$15000.00} in my eligible linked checking and savings account for 60 days has been met on XX/XX/XXXX. The {$500.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. It's currently XX/XX/XXXX and no bonus has been posted to my account. 

I have contacted citi for more than 5 times but they couldn't make sure I can get the bonus before XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX 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 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 .This 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 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 XXXXXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

Remove late payment from XX/XX/2021 for XXXX  for auto loan ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681
Complaint sub-issue: Deposits and withdrawals

I have a saving account in Discover Bank. On XX/XX/18, I wired $ XXXX to invest a project. Due to some reasons, I didn't invest successfully. On XX/XX/18, The investment company wired the $ XXXX back to my account. 

In XXXX, I decided to use fund in this account as down payment to apply a primary house loan. Since there is only " Incoming Wire '' for the transition on XX/XX/18 in the bank statement, my lender requested me to provide info about who who sent the money to me. 

Although I only request Discover to provide the other party 's name for this wire transfer, I still don't receive anything after 3 weeks. Attached is the message between me and Discover for this request. The processing time is extremely and unreasonably long. It exceeds their promised processing time too. It impacts my loan application which is time essential.
Complaint sub-issue: Information belongs to someone else

I want to refinance my house, but mortgage banker informed me that my had some negative items on my credit report. I need theses items because they do not belong to me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Didn't receive enough information to verify debt

RECEIVED NOTIFICATION THAT COLLECTION WAS PLACED ON CREDIT FILE. NO INFORMATION RECEIVED TO VERIFY OR VALIDATE DEBT WAS OWED BY ME. THIS IS IN VIOLATION OF THE FCRA.
Complaint sub-issue: Problem using a debit or ATM card

see case number XXXX including the company response and my feedback ; I want to discuss further with the Ombudsman at XXXX
Complaint sub-issue: Keep getting calls about my loan

I am the co-signer on XXXX student loans with Sallie Mae. The terms and conditions of the loans I have taken state that any payment received will be first applied to satisfy the minimum due amount for all loans, and any excess amount will be applied to the loan with the highest interest rate. I have sent a letter to Sallie Mae with the same instructions, and asked them to keep it on file. 

For the past XXXX payment cycles since taking the XXXX loan, Sallie Mae has not followed these terms. Instead, they apply full amount to XXXX loan, and let the other loan go into arrears. In addition, they initiate an automated calling prompt to my home phone, my cell phone, and the student borrower 's cell phone, in escalating frequency. These have continued even after I have had numerous telephone calls and assurances that this issue is in the process of being resolved. I am left to assume that Sallie Mae is unable or unwilling to change their processes without intervention from their regulating authority. 

I consider these unwarranted auto-dial calls harassment and ask : 1. for them to cease immediately, and 2. for the CFPB to instruct Sallie Mae to follow the terms and conditions of their promissory notes. 

I ask that the CFPB intervene specifically on my behalf, and if there is any class actions that can be taken, I want to consider being a part of those. 

For reference, today I have spoken with the following people at Sallie Mae who have been unable to resolve this issue : XXXX in Tennessee ; XXXX in XXXX, DE ; XXXX in XXXX, DE ; and XXXX, in XXXX, DE. XXXX 's employee number is XXXX.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX  {$6400.00}
Complaint sub-issue: Account status incorrect

The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to XXXX and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both Equifax and XXXX. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Complaint sub-issue: Contacted employer after asked not to

After receiving a few phone calls at work ( he left a message ) and on my cell phone from XXXX XXXX of the law office of XXXX XXXX in XXXX Ca I decided to call him back. He told me I had a debt and owed XXXX from a XXXX loan I had taken out a few years ago. He then gave me XXXX options 1. pay XXXX today and make small payments on the rest. 2. make larger monthly payments to pay it off. 3. pay smaller payments but would need to pay XXXX today for a down payment to start the repayment process. I explained to him I would need more time to come up with XXXX. He told me that was not an option because I have already taken a long time to repay them back. He also told me it would be embarrassing if he had to serve me legal papers at my place of work since I am refusing to settle this today. I told him I was not refusing to settle, I just needed more time. He began to get rude and began to ask why cant someone like my husband or anyone help me pay this. I explained, I did not have a husband or anyone that would help me. I told him it is too hard for me right now because I have a baby and another son. He then replied, " so you have a new baby with no husband ''. He said that sarcastically. He also said he knows how much money I made and said he knows I can make the payments. I again explained to him I was not able to pay just yet. I asked if I could call him back. He confirmed my place of employment as if he was going to send someone to come by. Before hanging up I asked to speak to the attorney he had mentioned earlier he said I could speak to him at court. I was trying to see if we would be able to settle something in the near future, but he did not seem to want that. after a few minutes went by I called him back because I felt very threatened and nervous about him/someone coming to my place of employment. When I called him back I told him to not call or go to my work ever again. He replied by saying they will do whatever they want to resolve this. I then asked for their address. He replied by saying that I do not need their address anymore because they have already made a decision about what to do with my case. I said I want your address any way. He gave me XXXX XXXX in XXXX Ca XXXX. I then asked for their fax. XXXX XXXX then hung up on me. Also in the middle of the conversation I asked him how much was the loan I took out, he replied XXXX or something like that, but I now owe over XXXX from interest. I feel threatened and nervous about job loss. I also think he refused to settle anything with me because he did not want to give me more time.
Complaint sub-issue: Information belongs to someone else

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports Delete the inquires which has been created after 2015
Complaint sub-issue: Debt was discharged in bankruptcy

This was discharged in BK in XX/XX/XXXX. However, as of XXXX XXXX they are reporting late payments.
Complaint sub-issue: Information belongs to someone else

I found accounts are not my the accounts are fraudulent accounts I need help and removed those accounts from my credit file I attach the information about those accounts.
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, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX and XXXX XXXX XXXX