Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

I spoke to XXXX XXXX XXXX today XXXX at XXXX central time about a damaging fraudulent negative collection account from them on my credit report. They have this marked as a brand new account from XXXX XXXX which is a lie, the ( orginal account ) is over XXXX XXXX XXXX which is thru whynotleasing. 

They purchased the collection account actually from XXXX XXXX  which in XX/XX/XXXX XXXX XXXX  called me and harassed me about the account stating i failed to pay XXXX XXXX  and they want payment i informed XXXX XXXX  that there was a payment agreement that was set up thru XXXX XXXX  to pay XXXX a month until account was paid off they agreed to that amount back in XXXX because of child support. XXXX XXXX  refused to take payment on this account on XX/XX/XXXX never heard nothing back from XXXX XXXX  Fast forward to XXXX when i called XXXX XXXX XXXX as i had just checked my credit because ingot a alert of a new collection account at the number XXXX. I informed the gentelman on the phone who said the call was being recorded about the issues on my credit report that they failed to send a letter 30 days prior to making a negtive collection account mark on my credit report and if this is their practice that they do not follow the national fair credit debt collection act, his response is they follow the fair credit debt collection act ( sometimes ). I also i formed them that the account is over 7 years old and they couldnt collect on the account. I also informed them that they had also caused me not to get a loan thru XXXX XXXX XXXX XXXX which i have the letter of denial due to the collection account which is the only collection on my credit report. Which i will provide proof of the denial of credit letter upon request. 

I would like this matter looked into and also would like security credit services to provide me montary money damages to be agreed upon at the time of closure of this file. 

I have also gave them a verbal cease and desist on this matter as well. And to repair my credit and take the collection off
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXS Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX an unauthorized charge for {$120.00} was placed on my account. I had already reported the card compromised after a {$1.00} charge had appeared days before. 

I awaited the replacement card and then closed the account. 

After this, I received a notice about this other charge. 

Both the charges cam from XXXX XXXX, where I have never visited. They were from an XXXX station. I remember receiving a charge more than a year before for {$150.00} from the same location, which was disputed as fraud. 

There are no email addresses by which I can get a documented response from this bank. I had originally open the account as BBVA Bank, and was told it was bought by PNC. 

I am getting no confirmation that I reported the fraud, nor that I closed the account. They refuse to send me a credit notice for any of this.
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. 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 inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Account information incorrect

High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On XXXX it shows that the high balance is XXXX, the date of last activity is all different .Its stating on XXXX the merchandise was taken back by XXXX XXXX, XXXX XXXX its a charge off as a bad debt, XXXX is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2020, I contacted Conn Home Plus to see what options for payments to get had available to assist customers during the COVID 19 pandemic. They offered to refinance my account if I was to  make a payment of {$160.00} by XXXX XXXX and going forward my payments would drop from XXXX to {$130.00} per month. The payment was made and the contract was signed and dated on XX/XX/2020. All through XXXX, XXXX, XXXX, XXXX and now XXXX I have received harassing phone calls and now a letter from and Attorneys office about the old account. I have contacted Conn on  multiple occasions asking them what is going on and why are they sending harassing emails and calls. Each time I mentioned that I had refinanced the loan and waiting on the new account as I told them was supposed to be to me since XX/XX/2020 they would give me an explanation that due to COVID 19 they were behind and it could take 90 days but the contract had been signed and payment has been made so everything things is ok. I had no worries. On XXXX XXXX I received a letter from an Attorneys office about the old Debt to Conns wrong amount and all. I have been harassed for months and no resolve. Ive forwarded the contract signed by my self and Conn to the attorney XXXX XXXX in WI. The amount owed isnt correct because payments have been made to Conn Appliances, INC. I have my phone records with the dates and times and duration of the calls with Conn regarding the new account and the harassment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

My name Is XXXX XXXX and this is my formal notice of complaint against XXXX for furnishing information to the credit reporting agencies XXXX XXXX Equifax without my permission. This has been an invasion of my right to privacy and is causing me XXXX XXXX XXXX, and inconvenience. 

I have reached out to XXXX on several occasions to resolve this issue and my requests have been ignored. 

According to the Fair Credit Reporting Act, in order to furnish the alleged XXXX XXXX  XXXX XXXX would need to be able to both VALIDATE and VERIFY my information with the original creditor. XXXX XXXX XXXX  XXXX has assured me it is not within their policies or obligation to validate any public records via correspondence they provided me with via postal mail, please see the attached exhibits. 
So how was this information validated and verified? 

Pursuant 15 U.S. Code 6821 ( a ) -Prohibition on obtaining customer information by false pretenses. 

by providing any document to a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

Also by providing any document to an agent of a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

XXXX claimed to have reviewed my previous requests for validation and verification in which they mailed a resolution letter with an updated copy of my XXXX file on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( See attached exhibits ) ... and is somehow still requesting that I authenticate my identity .... 

If XXXX is unable to authenticate my identity then HOW in the world were they able to provide me with resolutions to my previous requests? 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice. Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by XXXX. I am aware that Equifax, XXXX and XXXX XXXX may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable if they do not delete these items immediately from my credit reports. I am also aware that this may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnish this alleged bankruptcy. 

Please review the attached Exhibits that support my claims.
Complaint sub-issue: Debt is not yours

While trying to refinance my home with XXXX XXXX  my credit report reflected I had several debts amounting to {$16000.00} with XXXX XXXX. I did not recognize that debt nor had I received any notices from IC Systems ( collection company ) regarding these amounts. XXXX bank representative called IC Systems trying to clarify this matter but they ended up giving us the phone number of a local hotel instead. I was able to get proof from the hospital that I did not owe anything to them and that they had not sent me to collection either. The hospital representative also called IC Systems to explain the situation buy they said to call in a while. I have called them again but can not get a definitive answer because they say they are disputing with the hospital and they can not give me proof that I do not owe anything. Meanwhile my credit is messed up and can not go forward with my loan.
Complaint sub-issue: Account information incorrect

I have a Federal student loan in which has been in forberance for years now and i was currently enrolled in this program due to lack of funds over the years. Now on XX/XX/2017 i was still enrolled in this program, Nevertheless this company XXXX reported me as 90 days late payment in which completely ruined my credit alltogether. And to make matters worse they're increasing my student loans by thousands of dollars it was orginally XXXX and now its changed to XXXX thats makes absotely no sense. XXXX increase in interest over a matter of months is unheard of and beyond me. I've on numerous occasion called and called and they even verified they had my wrong contact information and phone number, basically stating it was an company error, however they refuse to report the correct infotmation to the credit bureuas and have these late payments removed!!!!!!!!!!!!!!!!!!!!!!!
Complaint sub-issue: Investigation took more than 30 days

Greetings, since 2020 I have not been able to log into my Equifax account I get the same message please call customer service once I call I get run around and to wait 48 hours in log in then Ive been told the issue was escalated and someone will contact me never received a contact by phone or email or mail the issue is still there they have walked me threw numerous steps and the issue is still there I cant log in to dispute items thats been on this report for 2 years I constantly have to call and ask them why cant I log in and they have me constantly repeating steps that do not work its becoming frustrating and Im not getting any assistance once I call never heard nothing from them until Im calling again about the same problem I have called them since 2020 at-least 50 times reporting this problem and receiving the same steps and answers. The issue is still there I have read on google other people are experiencing the same thing and the same outcome no help. I am not the only one who this is affecting. I hope after this complaint I am able to log in!!!
Complaint sub-issue: Didn't receive enough information to verify debt

Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX This is company failed to notify me by mail verifying the debt. They added the debt to my credit file on XX/XX/2020. I have yet to receive any information from this company. I have provided the company with my address of XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I would like for the company to provide me with their attempts to contact me in writing and remove the entry from my credit file. I also like to see if the statute of limitations for what they are claiming. 

I would appreciate any help that I can receive.
Complaint sub-issue: Information is missing that should be on the report

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
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. 

Accounts : Convergent account XXXXXXXX XXXX XXXXE XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX has violated my rights. 


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

15 USC 1681 Section 602 A also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) Section 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 seven years. 

15 USC 1681s-2 ( a ) ( 1 ) states 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: Credit card company won't increase or decrease your credit limit

I opened a business credit card for my company XXXX years ago with PNC BANK with a 21.99 % interest rate with the promise of an increase in credit amount and a interest rate reduction after making on time payments after XXXX year. 
My company as made all payments on time and has also requested an increase in credit limit. We were declined an increase in credit with no explanation. When trying to make payments online through their mobile app there was often problems with the mobile app where i had to call PNC BANK an speak to a representative to get the bill paid. I was told by each representative that this will not be a problem in the future. 
It is a constant problem when trying to conduct business when making payments and purchases.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act XXXX  account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

These XXXX accounts have a charge-off status and a past due balance on my credit reports, these charge-off accounts should have a {$0.00} balance.Please update and/or delete these accounts immediately. Thank-You 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 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: Account information incorrect

I received a letter from XXXX after their investigation on my account they found the error and sent a letter to the credit bureaus for them to remove the account because of the error. 

I dont see the account removed like they requested.
Complaint sub-issue: Information is not mine

Was recently denied a credit card due to having delinquency/bankruptcy in my credit report. This has never happened to me. I went online to try and get my credit report and all questions to verify my identity at Equifax were entirely wrong- referencing mortgages I never had, paymants I 've never done, retail cards I 've never owned and more. It never accepted " None of the above '' for any of these. I reached out to Equifax, faxing them my drivers license and change of address form, to tell them that 1 ) I 've never been bankrupt, and 2 ) Every question they have on me is entirely wrong. I 've not heard back from them since.
Complaint sub-issue: Problem with fees

My BBVA credit card was charged a {$99.00} annual fee for the upcoming year. I immediately called to close my account and was told the annual fee would be waived since I am no longer keeping the card. A month later, I received a statement still showing the annual fee plus a late fee and interest charges. I am baffled that a credit card company would close an account and still try to charge the annual fee. No other U.S. credit card company operates like this. This is incredibly deceptive and unfair.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX
Complaint sub-issue: Account status incorrect

RMB Inc have still not removed the collection from my credit file, which was placed which I was filing for state assistance.  I have contacted XXXX XXXX, they did not tell them to place this account on collection to credit reports! They asked them to hold the account!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I want to inform the Credit Bureau that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX