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

As of XX/XX/2022 Americollect Collections added to my credit report 4 collections in the amount of XXXX, XXXX, XXXX, and XXXX also, on XX/XX/2022 add one more collection in the amount of XXXX for a total of 5 collections. These collections have been added to all three of the credit bureaus. They have tried to reach me by phone several times after I asked them not to contact me any longer. This consumer agency has violated several laws 15 U.S.C. 1681 Section 602 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 A ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1692 Section C ( a ) Communication with the consumer generally 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
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records 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 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: Charged for a purchase or transfer you did not make with the card

I called to check my balance and my money was not there so I checked the last XXXX transactions and found out that I had been hacked so I called ( direct express ) the card company for my social security they found the same thing I did they told me they would send me a form to fill out and that I had 10 days from that day to send it back I received it 12 day later I explained I got it 2 days past the due date and mailed it back with a showing of post date that was 33 days ago I have tried to call them and they do is transfer me around and around and put me on hold for hours I have gotten no answers and none of my money back please help
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

I have disputed with Equifax on multiple occasions for them to delete addresses listed on my credit report that are inaccurate. Equifax responded on XX/XX/2018, confirmation # XXXX and also on XX/XX/2018, confirmation # XXXX that their bureau had indeed deleted the following addresses ; however, I retrieved a copy of my report on XX/XX/18 and the addresses are still reflecting. Equifax is deceitful and falsely reporting these addresses but yet continue to send me responses and confirmation that they have indeed deleted them. This is a violation of my consumer rights. The following addresses should be deleted immediately from my report based on their letters ( see attached ) and also the fact that the addresses are inaccurate. Delete the following addresses immediately : XXXX XXXX XXXX. XXXX XXXX, TN XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXXXXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}
Complaint sub-issue: Debt is not yours

Bill collectors Grant and Weber state that I have an outstanding debt and have filed a report with XXXX causing my XXXX  score to drop XXXX  points. I contacted Grant and Weber and they have no record of my name, social security # or address on file but will not remove the issue.
Complaint sub-issue: Old information reappears or never goes away

Iv been trying to fix my credit. Iv never had a credit card before ever in my whole entire life I was born XX/XX/XXXX. This past year of XXXX I tried getting one on a I believe a XXXX  card and I couldnt due to, to many accounts open. IV NEVER HAD A CREDIT CARD XXXX! Everything on my credit report is identity theft hello! Help me out here. My phone number my location says all. Iv never lived in Oregon. Iv lived in XXXX XXXX ca. Let me say this again Iv never lived in XXXX Oregon. I live in XXXX XXXX ca. So can you please help me out!
Complaint sub-issue: Information belongs to someone else

INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On  XXXX   XXXX ,  2017 , I purchased a brand new textbook from   XXXX   XXXX   XXXX   in  XXXX , CA for {$85.00} using my  Discover  Card. This textbook, in brand new condition, was supposed to come with an online access code. The textbook that I received, however, DID NOT come with such a code. In addition, the textbook was missing pages. After multiple unsuccessful attempts at working this out directly with the merchant, a dispute was filed on  XXXX   XXXX ,  2017  directly with my credit card iss uer, Discover Card . On  XXXX   XXXX , I received notification that the credit card issuer is unwilling to assist me in this case due to " lack of documentation '' from my end. With all due respect, I expect a full credit to be issued here. I received damaged merchandise from a dishonorable and dishonest merchant. I tried, in my best interest, to get this issue directly resolved with the merchant. When the merchant refused to cooperate, a billing dispute was initiated. As it stands right now, I am left with a damaged and defective textbook that is missing content and a credit card issuer refusing to cooperate in this investigation. I expect Discover Card to be held fully accountable for this as I did everything I possibly could with respect to a resolution with the merchant. In this circumstance, a full refund of {$85.00} is the only amicable resolution to this defective textbook purchased.
Complaint sub-issue: Problem making or receiving payments

Optum bank has lost payments, let unconfirmed payments to providers sit in escrow for more than 90 days without notifying me, and is refusing to cancel rejected transactions and credit my account. Additional payments have been 'lost ' and are untraceable leaving me with credit damage and without audited account debits
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 have 5 collection on my Equifax report that do not belong to me. They range from $ XXXX {$510.00}. I have at least 3 disputes and they keep saying it is mine. I called XXXX XXXX XXXX ( collection agency ) and they verified it is not mine. Equifax individuals stated they can't not correct it. The last time I called I was left on hold for at least 10 minutes then they disconnected the call. This has dropped my score 56 points and I still got no help. This has been going on for almost a month. I don't know what else to do to get it corrected.
Complaint sub-issue: Didn't receive notice of right to dispute

I C System at XXXX XXXX XXXX XXXX XXXX, MN. XXXX has been sending me collection notices in the amount of {$430.00}. The collection has been reported as past due. I do not know this company. i have never done business with this company. this company does not have a contact with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information. I previously sent letters to Equifax and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.
Complaint sub-issue: Old information reappears or never goes away

CFPB Write up 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: Account information incorrect

So I received a 1099- c for tax year 2018 but DISCOVER keeps reporting the account every single month as past due. Date of first delinquency is incorrect, balance is incorrect payment history is incorrect.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

the wrong address - an address i never lived at - is on my credit reports and associated with a number of my accounts. somehow???? several of my accounts became associated with my ex-husband 's address. i keep trying to get this sorted out with the credit scoring companies - XXXX, equifax and XXXX  - but they say they can't update address until reporting companies fix address -- - the address has been fixed on all accounts that i am aware of / that are legitimate. but for the accounts that are NOT legitimate - i can't dispute the account because the credit company sees the ( wrong ) address reported by credit agencies .... so i am in a catch-22. my credit is destroyed because credit agencies have wrong address associated with my name - bills i have never received / don't know about -- and i can't get information corrected - so the problem will never end. this results in me getting turned down for jobs, loans, mortgages, credit lines ... ruins my life. but not my fault. PLEASE HELP ME. 

equifax, XXXX  and XXXX XXXX also have several variations of my name that i have never used associated .... and some credit inquiries that i have never authorized. these can not be disputed with the reporting agencies - so it will never be resolved. again - this destroyed - continues to destroy my credit. please help me.
Complaint sub-issue: Account information incorrect

After sending several credit dispute letters to the XXXX, XXXX  and XXXX  as well as to Fedloan who is the data furnisher in regards to the derogatory payment status on my account with claims of me making a late payment back in XX/XX/XXXX-XX/XX/XXXX. Ive sent in several request to have the information corrected to show that I never made a late payment as my account was in deferment status as well as my consumer report shows that a 90 day late payment for XXXX but I was current in XXXX which based on actual facts that numerically that is an error in the reporting of my payment history. Also there are gaps in between months in which I would like it to be filled with a payment status for the complete and accuracy reporting to my consumer report.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I have 3 hospital bills on my credit & when I went into the hospital in 2016 they said since I just loss medicade my medicade would cover it up for 60 days! And I have all 3 bills still on my credit! Its a violation of Hippa and I want them off my credit NOW
Complaint sub-issue: Information belongs to someone else

ftc violatons XXXX  XXXX XXXX  equifax will not let me login to the accounts On XX/XX/2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products.
Complaint sub-issue: Debt was paid

Why debt sent after almost 2 years ...
Complaint sub-issue: Account information incorrect

XXXX continues to furnish information on account incorrectly. Payment never late. Reported on XXXX  as on time. Continue to violate FCRA Guidelines .Department of Education XXXX continues to furnish incorrect information on credit file. Company has multiple accounts on credit file displaying negative reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I went into XXXX XXXX  to apply for an home equity line. The bank rep pulled our credit basically asked us why our credit scores were so low. To my surprise he said I had a XXXX. I had just checked my credit before going to the bank and knew I had a score in the high 600, s. The bank Rep. then questioned us about two late payments on a car loan we had paid off back in XXXX. He said he had to put a reason for the late payments on the loan application. This raised a red flag for me since the late payments were from XXXX, we paid the loan off in full and the account wasn't showing up on my credit report anymore because the account was paid off almost ten years ago. I shared my concerns about the inaccuracies in my credit report and score with the bank and they told me to call Equifax. I reached out to Equifax the following week once I received the Credit Score Disclosure in the mail for the bank. The key factors listed for the low score was number of accounts with delinquency and time since delinquency is too recent or unknown. I called Equifax on XX/XX/XXXX to find out why this was showing on my credit report. The representative at Equifax reviewed my report and assured me that I did not have any delinquencies showing on my credit report. The rep could not explain why my score was XXXX nor why the delinquencies were showing on my credit report. He suggested I find a different lender for my HELOC. On XX/XX/XXXX I paid XXXX to pull all three credit reports and my scores came back as a XXXX with Equifax, XXXX with XXXX and XXXX with XXXX. I then called Equifax back and asked to speak with a supervisor. I explained my concerns about the inaccurate reporting on my credit. She checked my credit file again assured me that I did not have any delinquencies on my credit file. I kept pushing the issue of why there was such a big difference in the score the bank pulled and the score I paid for. I explained that I would end up paying a higher interest rate for my loan based a score of XXXX, instead of XXXX and that I was going to report this issue. She then said that they recently had some IT/coding issues at Equifax that caused inaccurate score reporting. She assured me the issue had been resolved and told me to have the lender pull my score again. I did as she suggested and the score still came back as a XXXX. My score was also negatively affected by the second hard inquiry when the supervisor at Equifax promised it would not be affected negatively because it was the same lender pulling the report.
Complaint sub-issue: Problem with statement of dispute

XXXX XXXX is reporting a credit line on my credit report that is not mine. The most current status shows an update amounts owing and due as zero, however, the report shows serious delinquent history. This credit line is not mine and the derogatory and adverse credit history should be removed.
Complaint sub-issue: Account status incorrect

I have paid an agreed settlement of XXXX on XXXX with I.Q. DATA INTERNATIONAL, INC XXXXXXXX XXXX  XXXX XXXX WA XXXX ( XXXX ) XXXX They have not mailed or emailed me a receipt for this and have not reported the settlement to the credit bureaus. This collection company 's ' representatives ' has continued to state there will be a balance showing on my account and continued reporting to the credit bureaus I am delinquent. I have many times tried to work out a settlement with them which they have refused. I received a letter in the mail XX/XX/2021 giving me an option for settlement which I paid. IQ Data has not held up their end of showing the account settled. XXXX XXXX
Complaint sub-issue: Account information incorrect

Discover bank, let me articulate your errors and walk you through this process.. okay, you see here.. this is Discover Bank violation of Federal Law. You are reporting 120 days Late in the Month of XXXX, XXXX, XXXX of 2020 there is only 30, and 31 days of the months mentioned above which is evident and verified that Discover Bank is in violation of The Truth In Lending Act pursuant to 15 U.S. Code 1666b - Timing of payments. Discover Bank It is absolutely impossible to be Late 120 Days in a month that only has XXXX or 31 days ( Laugh Out Loud ). 15 U.S. Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT later than 21 days before the payment due date. Discover Bank I demand you to clarify that you have complied with Federal law 15 U.S. Code 1666b ( a ) and provide me with Documentary Evidence that you are not in violation? Statements are not sufficient enough. I am demanding Discover Bank to correct all errors. You are bullying, extorting me, ruining my financial reputation the way you are furnishing my information. Pursuant to 15 U.S. Code 1681s ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. You have no lawful authority to furnish my information, you are doing this to export me and has a federally protected consumer I have rights and you will be held accountable for your deceptive business practices!
Complaint sub-issue: Add-on products and services

I purchased a bike with my Discover Card in XX/XX/2017 for about {$530.00}. I was encouraged to use my Discover Card because they have a program offering insurance for products that are damaged, stolen, or destroyed at any point within a few months of the purchase. 

My bike was stolen in mid-XX/XX/XXXX, just over two months later -- my house was broken into and two bikes were stolen. I filed a police report. I do not have renters insurance because I could not afford it where I lived. Discover Card told me that they were rejecting my insurance claim because the policy does not cover " used goods. '' I purchased the bike used, but it is fairly easy to assess the value of the bike, because both used and new bikes are well-understood consumer goods in an extraordinarily competitive market that has been around for about 130 years. 

The bike would have cost $ 2000-3000 new, and I didn't think it was a huge steal at {$500.00}, but I also didn't think it was, by any means, expensive. I cited as examples of the value the fact that a new groupset ( drivetrain, brakes, and shifters ) of that caliber would cost way more than what I paid for the bike, and, plus other components, it ended up being a good deal. 

The insurance policy was not outlined clearly in Discover 's terms, and they had a third-party insurance provider, XXXX, which was VERY difficult to work with. THEIR underwriter, in turn, XXXX, opened a case to look into it but never followed up and I was unable to reach them after that. I appealed the initial denial to both Discover and directly to XXXX and no one ever got back to me except to say that my claim was unequivocally denied because the goods were used. Beyond the fact that these are stupid terms in the first place, I'm unclear on why the denial happened. 

I'm not a high-income individual. I use a bike to get around because my car was totaled in an accident and because insurance in XXXX is outrageously expensive, I couldn't afford collision, so now I take the bus. I am trying to pull myself up by my bootstraps, like XXXX XXXX and them say I should, but this is the sort of predatory and dishonest practice that you guys should be going after. 

Thanks for taking the time to consider my dispute. 

Sincerely, XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

I opened an account with an online bank, N26, who is managed by XXXX XXXX. This entity froze my account because they had a issue with me getting daily deposits from my gig job. I work as an XXXX XXXX for XXXX, a smartphone app that allows you to work doing handyman services. I have emailed and cooperated with N26 by showing proof of my identity and proof that I do work for this company. I do not understand why it is their business to know this, but I have cooperated. They are holding my money to where I can not take care of my family and myself.