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

XXXX XXXX XXXX and XXXX XXXX XXXX used my credit report without my authorization. Both these dealerships sent my credit application to multiple finance companies without my consent, causing many Hard Inquiries. I mailed each of the companies and they stated that these 2 dealerships authorized them to run my credit. This was an illegal use of my credit authorization and I would like these Hard Inquiries removed from all three ( 3 ) credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/ Discover card took out a bank draft on my checking account for {$100.00} from the XXXX   XXXX XXXX XXXX XXXX. The last time I did a payment over the phone was 18 months prior to this date. I was crystal slear they were never ever to do that again! This is the 2nd time they have done this! The 1st time we worked out now I am determined they need to pay the bounced check fees and the {$100.00} at the very least. Next time I will have to change /close/ reopen checking accounts. Is it possible to tack on a pain in the XXXX fee? How about a fraud fee for them to pay. So far there are 2 checks NSF fees {$24.00}, stop payment fee {$8.00}, {$35.00} returned check fee. I have told them in the past {$940.00} only goes so far as a retiree. I receive {$13.00} EBT. Which means $ XXXX {$50.00} to grocery shop with and food pantries.
Complaint sub-issue: Investigation took more than 30 days

I AM XXXX YEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE
Complaint sub-issue: Information belongs to someone else

I reviewed my credit report months ago to find fraudulent inaccurate information reporting to my credit that doesnt belong to me. I have been submitted atlas 6-7 months of disputes contacting the credit bureaus in regards to removing the following information listed. I have police report and etc identity theft affidavit supporting my claim and creditors and bureaus still have not removed all items from my credit report as well as inaccurate addresses names and reporting for the accounts listed below : XXXX credit card opened XX/XX/XXXX balance {$8500.00} XXXX XXXX opened XX/XX/XXXX balance {$4400.00} XXXX credit card opened XX/XX/XXXX balance {$1400.00} XXXX credit card opened XX/XX/XXXX balance {$6100.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$3200.00} XXXX XXXX XXXX credit card opened XX/XX/XXXX balance {$8900.00} XXXX  personal loan opened XX/XX/XXXX balance {$24000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$2700.00} XXXX XXXX opened XX/XX/XXXX balance {$2200.00} None of this accounts are mines or valid. No authorization and where not opened by me they are fraudulent and I demand that they are blocked or removed from credit report immediately.
Complaint sub-issue: Account information incorrect

I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.
Complaint sub-issue: Account information incorrect

" XXXX is the only official site explicitly directed by Federal law... '' XXXX XXXX XXXX sent me a FALSE ( if not fraudulent ) copy of my Equifax Credit Report today XXXX XXXX, 2017.
According to the representation of XXXX, my Equifax Credit Report says my Debt-to-Credit Ratio on my mortgage is 89 %.
I contacted Equifax. Equifax. The agent states that they do not have such a ratio figure in their system, that they do not have information on my " credit limit '' on my mortgage, and therefore they CAN NOT and COULD NOT report such a Ratio to XXXX. ( My mortgager says the ratio is 21.5 % ) Equifax has sent me an official Credit Report to prove to my satisfaction that such a figure was not and COULD NOT be computed from the data they provided to XXXX.
Because I was sent a credit report under Equifax 's letterhead, I have to believe that XXXX data may be fraudulently representing Equifax data.
( FYI- it took 49 minutes to reach an Equifax agent by phone )
Complaint sub-issue: Their investigation did not fix an error on your report

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Didn't receive advertised or promotional terms

The problem is aggressive ( SPAM ) hard copy promotional mail sent to my home address on a WEEKLY basis. 
This must cease and desist.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax response was that I may be a victim of identity theft but continues to keep unverified items on my personal credit report. Per my previous dispute the unverified items listed below STILL remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? How is this possible? Who verified these accounts? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also sent you, Equifax, copies of my requests to the collection agencies, asking them to validate my debts, with the receipts showing that I sent these letters certified signature. I would like to request from Equifax the description of the procedures used to determine the accuracy and completeness of the disputed information. Also, Equifax has NOT provided me a copies of ANY original documentation validating these " verified '' accounts required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I demand the following accounts and inquires be verified or deleted immediately. XXXX  XXXX   Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX   XXXX Inquiry XX/XX/2017 XXXX XXXX XXXX Inquiry XX/XX/2017.
Complaint sub-issue: Can't use card to make purchases

Received an email on XX/XX/2018 and a phone call Discover wanted to verify the authorized users and I verified the information. I even used my account after we spoke and never knew there was a problem. I called Discover to ask them why I wasn't able to use my account, was informed that my account was closed and that they have the right to close my account at any time, without providing an explanation.
Complaint sub-issue: Debt is not yours

I recently found out that IC Systems has been reporting and re-reporting an XXXX XXXX XXXX collection to my credit reports since XX/XX/2014. I believe its for a landline phone, not a cell phone. I should not have any debts to XXXX XXXX XXXX, and I haven't had a landline in a very long time. So, I disputed the collection account via XXXX, who stated they contacted IC, who in turn verified it as accurate. I'm not really sure what else I could reasonably do, because I never received a bill or anything to tell me what this is for, even after I said it wasn't accurate.
Complaint sub-issue: Frequent or repeated calls

I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming a XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender XXXX XXXX to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX College, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX COLLEGE due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness XXXX practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.
Complaint sub-issue: Account information incorrect

No matter what you complain about these agencies are by by opinion of multiple truths and experience frauds, incompetent. Balance XXXX XXXX incorrect on autoloan paid XX/XX/XXXX still not updated. Negative commentary still not updated and wrong. One can go on but being held hostage and financially kidnapped while the so called PROTECTORS do squat isdemeaning, insulting and frankly PURE EVIL! Yes and negatives always posted immediately
Complaint sub-issue: Their investigation did not fix an error on your report

I've disputed a Bankruptcy on my report and was told by the credit bureaus that they verified the information with Lexis Nexis. I called Lexis Nexis to dispute the information and asked how was this information verified. Lexis Nexis me they received the verification from XXXX   and the courts. I emailed XXXX  to inquire about this verification process and they stated they do not provide verification of consumer information ( as stated in my attached email ). This is not my account and I've asked for this to be removed from my Lexis Nexis account as well and all three of the Credit Bureaus.
Complaint sub-issue: Fees charged for closing account

On XX/XX/XXXX and XX/XX/XXXX - I requested via secure message center to close my account. My balance was XXXX. Rather than closing the account - this Bank 's customer service representative keep on arguing how it needs to be communicated. On top of it - they charged me {$20.00} worth of over draft fees.
Complaint sub-issue: Information belongs to someone else

I am in disagreement with the items listed on my credit report as having late payments..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim. It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX XXXX,
Complaint sub-issue: Their investigation did not fix an error on your report

The reason for my writing this letter is that this company is being unreasonable and not adhering to the law in regards to identity theft. I am a Victim of Identity theft, My personal information was compromised, I don't know who did this but with it came fraudulent account opening under my name. I did not benefit anything from this unauthorized accounts opening. 

I disputed with this company on XX/XX/XXXX. My letter had explained in detail of my Identity theft status. I even attached documents to prove my case. but to My surprise, this company completely ignored the law that requires them to delete within 4 days. 

Below are the fraudulent accounts that I NEED to be REMOVED/BLOCKED from my credit report : XXXX XXXX XXXX, XXXX # XXXX, Date Opened XXXX XXXX XXXX , XXXX # XXXX, Date Opened XX/XX/XXXX. 
XXXX/XXXX XXXX, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX XXXX place in, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX   XXXX XXXX # XXXX, Date Opened XX/XX/XXXX I am attaching herewith The letter i sent to this company and my FTC identity theft report for your reference and review
Complaint sub-issue: Information belongs to someone else

Re : XXXX account XXXX To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I request a copy of all information use to open this account. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,
Complaint sub-issue: Account status incorrect

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Complaint sub-issue: Attempted to collect wrong amount

Requested a loan from NCP Finance in XX/XX/2019. Agreed to XXXX every two weeks. I missed two payments totaling {$130.00}. However, the payments have continued to ACH every payday since the two missed payments. NCP Finance forwarded my account to a collection agency, XXXX which has reported negative information to Equifax. The debt reports {$440.00} and dated XX/XX/2019 when the loan was taken in XX/XX/2019. XXXX, the collection agency is reporting false and inaccurate debt to my credit bureau. I am requesting them to remove the file from my account. Additionally, I am currently paying installments on the loan to NCP and I am requesting they consider my debt paid in full and stop all collections based on their integrity of forwarding my file for collections and continuing the withdrawals from my account. They cant have it both ways. Reporting me delinquent and tapping into my account twice monthly.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX  and Equifax are reporting incorrect information on my credit report.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report,
Complaint sub-issue: Account information incorrect

I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named XXXX XXXX. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by XXXX that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to mild practice. While several laws are being broken under the Fair Credit Reporting Act ( FCRA ) by your company. This has caused financial injury, and defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan due to the pandemic under this crisis .You have hurt my ability to obtain credit.
Complaint sub-issue: Account status incorrect

I applied for a loan on XX/XX/21 to consolidate credit card debt. I took an offer with LendingClub. They asked me to submit new documentation to finally deny my loan three days later. I said find. I went to the competition. XXXX approved and funded my loan within 24 hours. " LendingClub '' then came around, approved and funded my loan too. Obviously, I rejected one loan ( I can not have two loans ). I rejected the " LendingClub '' loan. In some type of retaliatory move, " LendingClub '' then placed a Hard inquiry on my file on all three credit reporting agencies XXXX which they didnt need to deny or approved my loan before ). " XXXX '' didnt need it. They never placed one. Then " LendingClub '' reported to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) That I took out a loan with them. This is INACCURATE information and a clear violation of the Fair Credit Reporting Act. It only took them 6 days to report to the credit agencies that I had taken out a loan. But it has taken then 45 days ( and counting ) to report that I have rejected that same loan ( loan was rejected on XX/XX/21 ). This needs to be corrected. Thank you CFPB for your help.
Complaint sub-issue: Called after sent written cease of comm

I 'm complaining because I got a recorded call ( not a call from a real person ). The recording identified the company as ERC. The phone number of the incoming call was XXXX. The recording instructed me to call them and gave me a reference number of XXXX. I 'm not going to call them. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX  for " collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!
Complaint sub-issue: Information belongs to someone else

XXXX  and Enhanced Recovery agency. There is a collection on my account that is not mine. I do not live at the address the service was provided and I have not given my ss # or signed a contract for the service they claim I owe. I did apply a security freeze on my account last year when this happened same company XXXX XXXX different collection agency. They need to proof this is my account. I have never had XXXX XXXX. I pay my bills on time and this appeard again like I said under a different collection company. I put a fraud alert on account. I am requesting the company send me proof to my current address of 20 years. I have not recieved anything in the mail. This is simply fraud and I want it removed immediately. The address the XXXX XXXX  was put in was a childhood home. I have not lived there in over 30 years. I disputed with XXXX last year they removed for lack of proof it has appeared again under different collection company and XXXX  has said the company showed it was mine. I would like to see the proof.
Complaint sub-issue: Information belongs to someone else

This account balance is a result of identity theft. I have communicated this with the creditor and they refuse to remove from my credit.