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

I checked my personal credit report, which I acquired from all 3 major bureaus, on XX/XX/2019 and I noticed that this unauthorized inquiries were reported on my credit reports. 

I contacted the entities who are reporting the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office.
Complaint sub-issue: Debt is not yours

On XX/XX/2016, my wallet was stolen. Previously I have lost my Police Report but now it found. My cards were listed as stolen when your company bought my debt. I have already paid you most of the debt and I want to resolve the issue without a trial. I do not intend to make payments anymore, and if you do not cease collecting the debt, I will go to court, with the involvement of the bank, who did not send me a new card in return for the stolen XXXX, did not close my account and sold the debt on the stolen card.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

n accordance with the Fair Credit Reporting act 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: Not given enough info to verify debt

We moved out of our apartment in XXXX. We left the apartment immaculate, even cleaning behind the oven and vacuuming our way out of the apartment. 

Several weeks later the apartment management presented us with a bill for "repairs" that was full of mistakes and most of the items included were false and/or in violation of the Texas Property Code. In other words, almost all the charges were for things we either didn't owe or were for things that they could not charge for by law.

We attempted to resolve with the apartment management, but they refused to remove the wrong / illegal items. Instead they sent it to collections.

This is causing us serious financial and emotional distress. We are in the process of closing on a house and the closing is held up because of the disputed collection on our credit report. Additionally, this is causing us to incur higher interest rates and fees and will cost us thousands of dollars.

The collections agency filed a collection on our credit reports. We have attempted to resolve via the proper channels:

XX/XX/XXXX: we sent letters to the XXXX credit bureaus per the FCRA to dispute the information and request them to validate the data. All XXXX responded that they investigated and that the creditor says it was valid. When called to discuss, the credit bureaus said "you need to have the collection agency remove. We just ask them if it is valid."

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA asking them to validate the data. They replied that the creditor said it was valid and sent us copies of the lease and the form showing the illegal/wrong charges. They provided no proof.

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA stating that what they provided was not proof. It also clearly stated what was incorrect or illegally reported, and requested they remove the improper charges and remove the collection from my credit reports. They replied on XX/XX/XXXX that the creditor contends the charges were valid and resent the same information from their previous letter. No proof was supplied.

XX/XX/XXXX: we sent a letter to the XXXX credit bureaus per the FCRA to inform them that we asked the collection agency to validate the debt and remove if incorrect, and that the collection agency could not do this. We requested they remove the collection or we would file a complaint with the FTC and/or pursue legal action.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Equifax hack has put my identity at risk and I am now in danger of identity theft.
Complaint sub-issue: Reporting company used your report improperly

When I checked my credit report several auto loan places showed up on it last year which prevented me from renting a XXXX XXXX  XXXX XXXX I had submitted info to both the company and XXXX  and nothing was done and no response and I requested a response and proof of my signature. 


Auto Financing Companies Contact info XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. please delete this erroneous reporting. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Complaint sub-issue: Problem accessing account

Date : XX/XX/2020 I followed up with KeyBank today to find out where my new bank card would come in as my bank card expires at the end of this month. I use my card today to purchase gas. My card was declined. I did called keybank back at XXXX today. The 1st representative that I spoke to shut my card off without my permission. I did not give any consent in any shape or form. The supervisor was listening to the prior phone call. They did state I never gave any permission for this individual to turn off my card. I will not have access to any of my money for 5 business days until my new card arrives. I work at a XXXX  during the week the same hours and longer than what the bank is open. I know will experience financial hardship as I have bills due this week. I am on able to purchase groceries for this upcoming week for my children and myself. I will Have late fees if I am not able to pay my bills on time. They have really put me in a financial hardship that will affect my family and our means of living. The bank said they are enable to do anything that they can not turn back on my card that I have to wait.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent multiple letters to XXXX  XXXX and Equifax requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the Court and they stated that they do not validate anything. I wrote both Equifax and XXXX XXXX to give them an opportunity to verify that data. Equifax wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Equifax allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in XXXX and white.
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 XXXX 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 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 XXXX 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 .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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  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: Debt was paid

I have disputed with credit bureaus XX/XX/XXXX who stated the it was verified with XXXX XXXX XXXX. I contact this company and found out the the debt was XXXX I called XXXX who I have service with as of now. XXXX doesn't show any balance amounts owning. If they did I wouldn't have current service with them now. I Explained that I have bank documents stating that XXXX was paid XX/XX/XXXX {$290.00} which left a balance of {$150.00}. Deductions paid to XXXX was XX/XX/XXXX {$150.00} and XX/XX/XXXX {$67.00}. I submitted my information to the XXXX XXXX XXXX collect they removed the injury. Now AFNI brought the account I sent a letter from them to validated the account I received a letter from them stating we investigated your dispute and updated our records as necessary. This letter serves as verification of the account. XXXX states that its nothing they can do.
Complaint sub-issue: Trouble with how payments are being handled

My XXXX  XXXX recently updated their website and that appears to be when problems started. I have 2 different loan payments each month. One loan is at a lower rate and the other loan is at a higher 6.875 % rate. 

In XXXX of 2018, I submitted both my payments on the website as usual. On XX/XX/2018 I received an e-mail that my loan was past due. I called XXXX immediately. I waited on hold for 30 minutes before reaching the billing department. They first informed me that their system rejected my payment. Then they told me that it applied the loan payment incorrectly and paid it all to one loan instead of to each loan. The payments were applied to the lower interest loan, while the higher interest loan is left as past due and accruing interest. They said the issue would be resolved in 10-15 days. 

Today is XX/XX/XXXX and I just received an e-mail notification that my account is 22 days overdue. The issue is not resolved.
Complaint sub-issue: Problem with product or service terms changing

Equifax. 
Friday XXXX XXXX, 2017, upon reading the news of a massive data security breach at Equifax, I went to verify whether my personal credit information may have been compromised like that of so many others. Without enrolling in any sort of program ( in order to avoid waiving any legal rights ), I checked my situation through their security page and found that indeed my information and credit may be in trouble as a result of Equifax 's inadequate security. I then went ahead and submitted a 90-day credit alert request through their site to be submitted to each reporting agency. That is all for now.
Complaint sub-issue: Information belongs to someone else

THERE IS A RECENT COLLECTION ON MY CREDIT REPORT REPORTING TO EQUIFAX FROM A XXXX XXXX XXXX XXXX WHICH IS FROM A MEDICAL OFFICE IN XXXX ALABAMA FOR XXXX, FIRST I MUST SAY I HAVENT LIVED IN ALABAMA IN YEARS. I THINK T MAY BE FOR MY DAUGHTER .I HAVE TRIED TO CONTACT THIS COMPANY FOR 2 WEEKS AND I GET A RECORDING, I HAVE LEFT MY NAME AND NUMBER AND NO RETURN CALL. THE DATE OF SERVICE IS XX/XX/XXXX. THIS IS NOT MY DEBT I HAVENT RESIDED IN ALABAMA SINCE XX/XX/XXXX. I AM DISPUTING THIS DEBT AS FRAUD NOT MINE PLEASE SEE ATTACHED POLICE REPORT ON FILE FROM XX/XX/XXXX WHERE I REPORTED IDENITY THEFT IN TH STATE OF ALABAMA PLEASE REMOVE.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I was contacted by Hunter Wakefield on or about XX/XX/XXXX for a debt in the amount of {$1600.00}. I investigated the company via Better Business Bureau of XXXX, FL and discovered that this firm had over 300+ complaints. After many hang-up calls, the firm finally left a message. I called back and thought we were making progress in negotiating a settlement. I spoke to XXXX XXXX on or about XX/XX/XXXX and made my final offer to settle. Unfortunately, he became angry and belligerent and hung up on me. See Attached documentation.
I continue to receive hang-up calls from a phone number related to Hunter-Wakefield. I 've sent a certified letter requesting the calls to stop. See attached documentation. <P/>Can you help? <P/>XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c
Complaint sub-issue: Charged too much interest

I have a credit card with Citi Bank South Dakota and I called to find out why my payment was so high. I am seven days late with my payment. I ask the representative to explain to me why my payment was so high. I was informed that the bank charged me two times with two different interests for one month. My understanding is that the interest is high, 1st interest rate is XXXX dollars and some change and the 2nd interest rate was XXXX dollars for one month and a late fee of XXXX dollars. The representative told me that I was charged twice for being late. I told the representative that they could not do that, but insisted that it was correct. I told the bank representative that was not right. I understand being charged once for the month, but twice, I don't think that is fair, and I told the representative three times they couldn't do that. In the pamphlet, it doesn't state anywhere that you would be charged twice in one month for being late. I got choked and had to hang up the phone. I have been with Citi Bank since 2018 and the first time I have been late on my payment. Thank you for the time to help with this complaint.
Complaint sub-issue: Account status incorrect

I have refinanced my student loans, thought Department of Education- Nelnet shows my loans closed/refinanced but still delinquent. These loans are from XXXX all of which were refinanced and closed. 
I have 4 student loans, also refinanced from XXXX XXXX XXXX XXXX XXXX ; these are from XXXX. 
These are all affecting my score negatively because of the delinquencies showing. 
I feel that since that have been closed and refinanced, they should be taken off of my report. I have contacted both agencies, and have been told by both that they never come off your credit report. I believe this is unfair since technically they are still there under my refinance.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a copy of my credit report and noticed that Equifax was reporting  XXXX  tax liens. I then sent dispute letters to Equifax to get verification of these tax liens that are showing on my credit report. I received letters back from Equifax stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA,  sec 611 ( a ) ( 6 ) and ( 7 ) I have the  right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this information
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX XXXX XXXX {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.XXXX}
Complaint sub-issue: Information belongs to someone else

There is a error on my Equifax credit report. This account is reporting because my information was stolen. I am stating I had nothing to do with this and if they verified my information on file that is because someone stole it and used it without my authorization.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} EQUIFAX : XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} XXXX : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00}
Complaint sub-issue: Information is not mine

I have disputes all the unauthorized/ fraudulent activities in my report. They are not removing the items that I dispute.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I have filed a police report advising of identity theft and violation of the my right to privacy per the Privacy Act of 1974.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Credit inquiries on your report that you don't recognize

I went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

XXXX 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 US SM BUS ADMIN ODA XXXX
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. Please remove and delete this inquiry from my credit report : XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

the following companies ran unauthorized credit inquiries on me.. I did not give them the permission to inquire about my credit status..Please delete this misleading information : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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: Information is missing that should be on the report

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score. Please remove and delete the below items from my credit report at once.
Complaint sub-issue: Attempted to collect wrong amount

I am making this complaint due to the false claims and deceptive statements made by XXXX the Executive Office of Customer Advocacy of Discover. 

I am also making this complaint due to inaccurate credit reporting.