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

In accordance with the Fair Reporting Act, XXXX 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

There is a fraudulent    XXXX   XXXX   XXXX    account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere a round  2014  and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with th  e ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in which the    XXXX   XXXX   XXXX   is not. Please remove all accounts from my credit report immediately. Thanks.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$11000.00}
Complaint sub-issue: Reporting company used your report improperly

Going by the FAIR CREDIT REPORTING ACT, the list of accounts below VIOLATED by FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 7 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 the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I took a mortgage loan with CitiFinancial on XX/XX/XXXX. The residence was sold and the loan was paid off in XXXX. In XXXX, I received a package in the mail from XXXX XXXX who wanted me to sign and return a document about the loan. I told them that this is fraud and the loan has been paid. 

In XXXX, I applied for a building loan and was denied because XXXX and CitiFinancial are still listed on my credit report showing late payments that can not be attributed to me, as the loan has been paid by dates shown on the report. 

I sent a Release of Mortgage to XXXX to prove that the loan was paid. An investigation was completed. Proof of the release of mortgage is attached to this complaint. 

CitiFinancial is unreachable and XXXX insists that I still have a loan with them. In XXXX investigation it clearly states that the account balance is zero, and the accounts are closed. However, This loan still shows up on my credit report.
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. 

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, USBANK add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Old information reappears or never goes away

Originally This account was handled by  XXXX   XXXX   XXXX   XXXX   XXXX , in  XX/XX/XXXX , at some point it was transferred to the     XXXX   XXXX   XXXX    /  XXXX    XXXX   XXXX   XXXX  and was in deferred status but  XXXX  says that it was not in deferred status i n  XX/XX/XXXX ,  XX/XX/XXXX  an d that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am  XXXX  of a small  XXXX , and have been working in and around the   XXXX   XXXX   XXXX   for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since  XX/XX/XXXX . Forward to   XX/XX/XXXX  t he old account has been closed and a new account has been opened and is being paid to a new company called  XXXX   XXXX   XXXX   XXXX , but the old account is still showing as derogatory and says to contac t Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my  XXXX , Equifax and  XXXX  credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my  XXXX  Report after a Hard Pull.
Complaint sub-issue: Personal information incorrect

Equifax is showing that my employer is " XXXX '', which besides being wrong, is discriminatory and illegal.
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax and XXXX have been trafficking my information by assembling my consumer report. This information is a violation of my confidentiality as a private natural person. These 3 agencies have a responsibility to keep my information private. My request to have XXXX to remove over 25 hard inquiries, equifax to remove over 13 hard inquiries and XXXX  to remove over 33 hard inquiries. I've made several attempts with all 3 companies. I will follow through if this is not taken care of immediately with adverse action 15 usc 1681 18 usc 1028 with penalties for each violation.
Complaint sub-issue: Report provided to employer without your written authorization

This first investors account on my credit they sold my legal information to auto vest. I was able to get it removed off XXXX but the company is giving me a hard time to move it off XXXX i keep disputing it over and over. It is very old. So im not able to get a vehicle anywhere to make it to doctors appointments during covid
Complaint sub-issue: Information is incorrect

XXXX XXXX in the aftermath of Hurricane Irma offered us a repayment plan in XX/XX/2017. We only took advantage of this repayment plan because our understanding was that it would have no negative implications. Fast forward to today, we are now faced with not being to refinance our XXXX because XXXX XXXX in fact did report us as being late on payments on this " repayment plan ''. 

Be advised, if you are requesting a repayment plan due to a catostophic event, like Hurricane Irma, there is in fact negative reporting done by XXXX XXXX in what is called in the Industry a Verification of Mortgage.
Complaint sub-issue: Their investigation did not fix an error on your report

Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX  has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX  does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''
Complaint sub-issue: Account status

I have had this XXXX back in 2008 first the account has been closed over nine years ago and they still report it as an open account I am attaching my report, second since this is over 8 years closed this should be taken of my report compeletly
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the below companies have violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Debt was paid

I consumer XXXX entered into a consumer credit transaction in XX/XX/XXXX while extending my credit to ALLY FINANCIAL pursuant to 15 usc 1602 ( g ), the original creditor. This consumer credit transaction involved a finance charge in which is the SUM of all charges pursuant to 15 USC 1605 ( a ), in which this transaction doesn't require any monthly payments because the debt was already paid for. ALLY FINANCIAL continues to use abusive tactics in calling my phone several time and sending communication via mail using prohibited offensive language. This is a violation of my consumer rights under 15 USC 1692d ( 2 ). As the natural person and consumer, 18 USC 8 is obligated to pay on my behalf. I was not informed of my right to rescission by ALLY FINANCIAL with full disclosure pursuant to 15 USC 1635. ALLY FINANCIAL ignored my cease and desist sent out on XX/XX/XXXX and stated that federal law and my federal rights doesn't apply to them. I'm being harassed all the time by this company for a debt not owed. ALLY FINANCIAL has caused me financial harm and has ruined my reputation.
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 involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

On XX/XX/XXXX i received my receipt for paying off my debt from IQ Data systems. Since then i have repeatedly been harassed by the companies employees. They continue to contact me without investigating on their side where my money went, I have asked every single person that has called me to please get with their management to help them find the payment and all they do is continue to call me and harass me via phone with an entire new person on the line and all the employees claim that I end the call but they are the ones ending the call because i refuse to pay them a debt that has already been paid. 

This has been going on since XXXX and to be completely honest prior to paying the debt the employees yelled and talked in a very aggressive manner when i asked them for more time to pay. 

I would like to please have them stop calling me and harassing me please.
Complaint sub-issue: Information is missing that should be on the report

Loan was included in my XXXX XXXX that was discharged by the court as of XXXX. 
I have returned their car back, sent messages via their site ( XXXX XXXX ) called a couple of times, attached a copy of the discharge to their site and via email. The attorney that filed the Bankruptcy has even emailed them letting them know that they should stop defying court order, yet, they still keep reporting it on my credit report as missed payments and the account isn't still closed. While every month i get emails and mail in my mail box of statements from them to make payments. 

I would think that XXXX XXXX would know a bankruptcy discharge operates as an injunction against the commencement or continuation of any act to collect or recover a debt as a personal liabilty of the debtor is properly a basis for civil contempt proceedings.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  account does not belong to me Ive been a victim of identity theft
Complaint sub-issue: Frequent or repeated calls

Some months my husband and I became XXXX due to a car crash. We fell on hard times and could not keep up with our payments. Everything fell behind. My husband is still out of work for a XXXX injury but I went back to work as a Per Diem employee. I am still trying to catch up. Ive expressed to this company time and time again that I will try my best to catch up but they will not agree to a hardship. Now they have started calling me four to five times a day like clockwork to ask me for monies I can not give right now. I am being harassed and I would like it to stop. The company is CitiBank ( BestBuy ). The repeated calls started about 2-3 weeks ago at 4-5 times daily. The numbers that call are ( XXXX ) XXXX and ( XXXX ) XXXX.
Complaint sub-issue: Was not notified of investigation status or results

no response from the credit bureaus about my report
Complaint sub-issue: Debt is not yours

I received a notice for CBM for an amount claiming I owe. I sent a letter requesting verification of debt. What I received has not bearing of a signature or agreement or proof of debt belonging to me other than my name and an old address. 

The dates listed do not correspond to the dates I lived at address since I had moved as of XX/XX/2021. I am asking that they verify the account properly. 

I travel internationally and fear this might get reported to a credit bureau when I am not around to respond in a timely fashion. I request that no reporting be done until this debt is verified, as stated in my prior email. 

Additionally, this is not worth the time to continue to litigate and I'll send them a check for XXXX for the dates I lived there, in case my ex wife had this service. 
If we can't come to an agreement, I'll forward to my retained counsel to take from here.
Complaint sub-issue: Other problem getting your report or credit score

I was asked to verify my identity because someone used or attempted to use my information to create an account with the website. I sent in my documents that were asked of me to verify my identity and have received no notification that my file is being reviewed. Its been more than a few weeks and still nothing. Also they have no customer support phone number
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2019, I submitted a complaint against XXXX XXXX, XXXX ( XXXX ) regarding not removing an Collection account on my Credit Bureau Report and there response was that they had processed an XXXX deletion request to all three Credit Bureaus. I have attached the 2 letters mailed to me from XXXX XXXX XXXX XXXX . 
Upon checking my Credit Report, the XXXX XXXX, XXXX collection is still showing on my Equifax Credit bureau report. PLEASE XXXX XXXX , XXXX . REMOVE THIS COLLECTION FROM MY EQUIFAX CREDIT BUREAU REPORT!!! 
It keeps reappearing OVER and OVER. PLEASE XXXX remove this Collection account from my EQUIFAX REPORT.!!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I submitted a complaint to the XXXX and it was a reference to inquiries that have been reported on my credit report in accurately as well as accounts that are negatively impacting my credit profile. There are over XXXX to XXXX inquiries that have been reported to my credit profile that needs to be removed. I have submitted multiple complaints to all credit bureaus, and the situation seems to not be resolved. This is unfairly affecting me and my financials credit score and needs to be resolved as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

I disputed the following medical bills listed below numerous times. Reporting this violates my privacy, my security and violates HIPPA which is against the law.

ALLEGED MEDICAL DEBT 1. violates my privacy my security and violates HIPPA which is against the law Account Number : XXXX Please remove it from my credit report. 

2. violates my privacy my security and violates HIPPA which is against the law Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, i am real living human being, i have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1881 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX  account # XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX # XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

on XX/XX/XXXX we ordered food at 1 or 3 in the morning from XXXX XXXX I mean from XXXX XXXX a local place in XXXX XXXX XXXX to XXXX two minutes later the amount of XXXX dollars and XXXX cents another mount for XXXX dollars and XXXX cents and then another amount for {$0.00} all three of them States ATM withdrawal is no way possible you can even injure all withdrawal does large amounts out of ATM anywhere that I know of even in South Carolina so with that being said they know we didn't use the money that's it it's a lot of fry going around they promised us three emergency expense diet call confirmation numbers they would expedite the process due to the circumstances they told us to send in the dispute form being that it didn't get here in a timely fashion we created our own dispute form with a case number on it all the information times dates and everything still yet have yet to hear from the XXXX XXXX each time I call they won't go online for 3 hours waiting my sister has no food she just got a tooth pulled she can't even feel prescriptions also her rent is due date charging her late fees we went into the local social security office is nothing they can do she has a mental health appointment this week she has a copay she has to pick up other XXXX   medications and whatnot they still will not comply it's been since the third for the first dispute form I send in my own cover sheet and everything they said they received the emails the investigator will Contact we no one ever called back at please tell me what to do cuz the XXXX XXXX is not doing their job is disgusting is sick and I told them my sister make XXXX did they told me to go to the local social security office and see what they can do I don't know what else to do a promise this emergency transactions are emergency funds because they said it's going around some company from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they know that we didn't use the one that all we order the food came to a total of {$20.00} we still have the card in our presence they sent out another car and told us three times the funds would be on the card you receive the card the new one in the funds are there please contact us asap please help
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} )XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX ), XXXX XXXX ( Date Opened :, Balance : {$550.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Threatened to take legal action

yes on XXXX a company called XXXX gave us a XXXX???? over the months we never got any bills monthly for the device. than all of a suden out of the blue.in XX/XX/XXXX we got a bill for XXXX????? dont think its right what they did.i contacted XXXX.left few voicemails stating we will not pay the whole amount of XXXX??? because they did not give us monthly bills at all????? i also left message with XXXX too pick up the machine???? they did not pick it up yet???? i also contacted the XXXX about this problem??? told XXXX about how XXXX contacted XXXX in XXXX nj????? XXXX said they would contact XXXX too see if they would lowere the amount out of a courtesy thing???? never heard back from XXXX??? all XXXX did was sewnd the new bill of XXXX???? all i want is for them too at least out of courtesy lower bill too XXXX???? thats all we can pay.my moms XXXX years old XXXX.has XXXX too.im her son XXXX too her.
Complaint sub-issue: Information belongs to someone else

I have made Equifax aware of the fraudulent activity on my report in writing and verbally. I have also provided all required supporting documents for proof of Identity Theft. I have requested that ( XXXXXXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX ) be removed from my report but NOTHING. This is not fair at all. I am doing everything requested of me to rectify this.
Complaint sub-issue: Account information incorrect

Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Account Type Installment Loan Date Opened XX/XX/XXXX