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

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. Then it was removed on XX/XX/XXXX and was recently inserted back on XXXX XXXX. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XXXX XXXX my debt collections account was dispute and close by XXXX  report. The amount was {$1000.00}. And that bill was for XXXX XXXX XXXX  XXXX for XX/XX/XXXX. AVANTE USA  debt collection had written me a letter saying that I need to pay the amount shown above to their company or they will put this on my credit report. This is a bill that was dispute by me to XXXX  for XXXX  XXXX XXXX XXXX and it was closed and removed by XXXX  on XX/XX/XXXX. AVANTE USA does not have the right to reopened a bill that was dispute and closed by XXXX  XXXX XXXX XXXX.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received emails with my name stating that I had been approved for an account with the business, Money Lion. I've never heard of the company. I was suspicious so I checked my spam mail and I saw an email in there as well.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to XXXX, Equifax and XXXX along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from XXXX they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information on my credit report.
Complaint sub-issue: Account status incorrect

On XX/XX/19, I checked my credit report and I called multiple times to AR Recovery. Each time I called they wanted to verify information i am not comfortable with, nor obligated to share with anyone I do not know. I validated my name and address and that this account was on my credit report. I have never received any correspondence from this company, which if they are a collection agency is required. Nor does the credit report list any information to show which account they are referring. I am not paying any balance I do not know, nor would you. 

When i called AR Recovery, I disputed this debt and refused to give out my personal information further than address. This company wont let you go any further and actually hung up on me three consecutive times. I dispute this debt. I do not trust this company to house any information related to me and require that a document showing the validity. I don't know who they are, i don't know which account they are representing, i do not have any outstanding debts. 

The FCRA is pretty clear in its law that requires you validate whichever debt is on my credit report or remove it. You can not just hang up on people because they refuse to verify their SSN. You are required to provide customer service, yet you can not even handle a typical situation. These agents were very rude and hung up on me three times. One collector even advised that " He is the Compliance Manager '', he also seemed to call me a profane name in another language, which i called him out on and then he hung up on me. Either validate the debt or remove it, but you can not just hang up because the conversation isnt going the way you want it to.
Complaint sub-issue: Debt was result of identity theft

Hey so its been past 30 days and i have not gotten accurate results about my auto loan dispute. The only response I've been getting is that its been verified. Well I want to know who verified it. By law in 30 days no result it needs to be remove
Complaint sub-issue: Problem accessing account

I would like to link my XXXX account with PNC and it appears that the bank is not allowing it.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 or  120 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ) and also ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Complaint sub-issue: Can't stop withdrawals from your account

XXXX XXXX here ... <P/>I noticed the suit in process for TCF BANK who I 've used for 3-4 years now as my personal bank. Due to actions that reduced my income dramatically and right b-4 my discharge from My job I had gave up all my savings to help my XXXX year old brother with major hospital expenses and his personal bills etc a few years back.Then about 7 months pass and my XXXX yr old grandmother XXXX her XXXX. That completely drained me and I 've been financially drained because of this I have had several overdraft fees ( definitely more than their avg clients ) a rather large amount of overdraft fees. Here 's my problem mainly. They would honor a payment to a company I owe if I was short in my account, charge me the {$37.00} overdraft fee sometimes more than once and then they would kick or take back the payment they honored from that company ( adding more fees and problems ) and STILL CHARGE ME ALL THOSE FEES.. Never reversing them! Not even after reversing the payment they honored then after a few days took back!!! It 's embarrassing but life was much better before TCF. I believe I have a place in that case based on that. Can You let me know? TY ... XXXX XXXX XXXX ... .XXXX XXXX
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2020 PNC bank let a charge for {$140.00} go through on my account with no money in my account. This has caused an initial overdraft fee of   {$36.00} the next day because I did not have the funds to deposit into my account. Since then I have been getting charged overdraft fees every single day which caused a total amount as of today for {$120.00}. My account is currently overdrafted {$330.00}. I put a stop payment on two charges so that they wouldnt go through so that was {$36.00} each that was assessed to my account. I dont mind paying those two {$36.00} stop payment fees because I needed them. called to let PNC know that I dont have funds to deposit until Monday XX/XX/2020. I also asked if I can have the overdraft fees waived on my account because I cant afford to pay them that much money. I spoke with a regular rep and a supervisor and no both said that they couldnt help me. PNC is very greedy and if I didnt need it to send a XXXX payment to my landlord every month I wouldnt have this account. I really need someone to please help me any way they can to waive the overdraft fees assessed to my account due to a charge for {$140.00} that went through with a {$0.00} balance on my account. Thank you so much in advance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( account # XXXX ), XXXX XXXX XXXX ( account # XXXX ) have violated my rights. Please delete these accounts from my credit reports. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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: Funds not handled or disbursed as instructed

I opened a checking account with Citibank, they decided to close my accounts on XX/XX/22. I was told several times I would get a check for what they owed me but it was never sent, .all I do is talk to XXXX and was told I would have a check by XX/XX/22 which I never received! I am getting the run around from Citibank and want the money that they owe me!!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX - XXXX I was Never late in the year XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX also told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 120 days late. Same in XXXX. The credit bureaus keep changing late days without any notice from XXXX informing them to do so. If XXXX wont send you any information then you must correct it. 


Besides. this is a violation and illegal to be reporting late payment transactions on my consumer report. 
15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never supersedes Federal Law. Also 15 U.S.C 6802 B - I was never given this option to opt out! Please remove all late payment transactions.
Complaint sub-issue: Received bad information about your loan

This past fall I received multiple emails from Fedloan Servicing that I had to re-certify my Income Driven Repayment plan or I risked falling out of good standing for my loan repayments ( even though there continues to be a student loan deferment/forbearance for all student loans due to COVID-related executive orders of the XXXX XXXX  XXXX Administrations XXXX. After multiple reminders, I did what my Fedloan Servicing instructed and resubmitted my information. I have now learned that this is not true, and that per the Executive Order, my payments should return to their pre-COVID levels. By recertifying my payments, due to incorrect warnings from Fedloan, my payments will increase substantially when they are restarted in the coming weeks. As such, I am reaching out to your organization to contact Fedloan Servicing and inform them that their incorrect guidance/warnings violated the Executive Orders of both the XXXX XXXX XXXX Administrations which dictate a return to pre-COVID payments following the end of the forbearance. Fedloan Servicing is unwilling to re-evaluate my loan payments based on this new information. 

Thank you for your help.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have XXXX inquiries on my credit report and have no idea where they came from???!!! I want them removed. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I would like to file another Fair Credit Report Act violation against this credit bureau. On XXXX XXXX this credit bureau got a request from me for ''There method of verification '' as it pertains to a XXXX XXXX XXXX account that is reporting on my credit report. The Fair Credit Reporting Act states that the credit bureau must provide me with this information within 15 days after they get my request. To this date XX/XX/2022 more than 9 months later and I have not gotten it. All i have gotten from this credit bureau is the procedure that credit bureaus should follow when verifying an account. I recently submitted another request for the method of verification but to this date I have not gotten the method of verification. The fair credit reporting act states that if i dont get that method of verification within 15 days after the request was made then the item should be deleted from my credit report. This credit bureau has refused to provide the method of verification or delete the item from my credit report. This is one of the issues that we will use in our lawsuit against this bureau to get this item deleted from my credit report.

Kindly see file attached showing a receipt from the postal service showing that the credit bureau got my request for there method of verification but have failed to provide it. 
I NEVER GOT A DETAILED METHOD OF VERIFICATION FROM THIS CREDIT BUREAU.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the XXXX and Equifax credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate this account, 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, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Complaint sub-issue: Trouble getting, activating, or registering a card

My cash app card was lost ... Once i got my replacement card in the mail i tried to activate said card to access my money and it wont let me. I have made several attempts via their support system and emails ... No responses or any kind of solution.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, Partial Acct # XXXX, XXXX  XXXX, Partial Acct # XXXX ..., Partial Acct # XXXX ..., XXXX XXXX, Partial Acct # 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: Information belongs to someone else

I believe I am the victim of identity theft. I had a collection account from XXXX XXXX XXXX placed on my credit report related to an address in Texas. I have never lived in Texas nor was I familiar with the referenced account. I filed a dispute and was notified by XXXX that both the account and address have been deleted from my credit report. However, in reviewing my corrected credit report from XXXX I noticed a new collection account had been listed related to a different address in Texas. Again, I have never lived in Texas. I contacted the new collection account, XXXX XXXX XXXX and reported the account and address as fraud. The representative for the company asked me about an email address that they had on file with the account and I had never heard of it. I have also filed a new dispute with XXXX, Equifax, and XXXX. The credit reporting agencies say they can not remove the new fraudulent address in Texas from my credit report because a creditor ( XXXX XXXX XXXX in this instance ) reported that address related to an account. The account is fraud and they are reporting incorrect information! CRAs should be required to confirm the address and or account is legitimate once disputed by a custome. I previously placed a fraud alert on my file but that did not stop the credit reporting agencies from listing this new fraudulent account.
Complaint sub-issue: Their investigation did not fix an error on your report

1.XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 

2. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Complaint sub-issue: Public record

As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for 2008. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Equifax says it will show on my credit report as a released tax lien for up to 10 years. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted the credit bureau regarding accounts that are inaccurate and that Im not aware of and have no obligation to. Credit bureau is still reporting the account ( s ) and not sending requested information.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2019, I received a call from a debt collection regarding a XXXX account that I didn't setup or apply for. This account is fraudulent. 

I don't recall doing business with XXXX. 

I never received any bill or proof of verification of bill. No Contract agreement or proof of identify.
Complaint sub-issue: Don't agree with fees charged

My student loans were part of a chapter XXXX bankruptcy that was discharged in 2014. Initially, the amount outstanding claimed was {$1700.00}. Soon after, Educational Credit Management Corp. added approximately {$8000.00} to the balance for " fees ''. It is my knowledge and belief that this is illegal, as I understand that the CFPB has enforced proper sanctions in similar situations. My loans are 30 years past due. I never was able to obtain employment as a result of my education. I am unemployed now. When I attended school my program that I was enrolled in was terminated by the school so that I could not receive a degree in that program. I will be applying for dismissal/forgiveness of my loans through proper channels. I ask that the board act on this complaint to resolve the immediate issue of improper debt collection practices asap. I also request suspension of debt collection activity as well. In addition I request that my tax refund offset of {$1300.00} be sent to me from this debt collector which it has recently collected from the IRS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 I contacted Equifax and XXXX after receiving a credit monitoring alert that a hard inquiry had been pulled from my credit report. XXXX concurred that it was a fraud and advised that the sent request for Equifax to remove hard inquiry. Equifax seemed unwilling to help and was provided the worst customer service possible. They said that the responsibility to remove the inquiry was of XXXX. I have a letter from XXXX stated that the they requested the removal of the inquiry yet it has not been removed by Equifax.
Complaint sub-issue: Reporting company used your report improperly

My credit was ran several times without my knowledge