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

I submitted a claim on XX/XX/2022 and some accounts came back as verified which I know is incorrect. I never gave my permission for this information to be furnished which resulted in my privacy being breached. This is another violation of my consumer rights. 

Pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation, I was never given the opportunity to deny this information being reported to my consumer report. This is in fact a violation of my consumer rights.

Pursuant to 15 U.S. Code 1681 ( a ) ( b ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate are categorized as unauthorized use of a credit card due to the fact that a person other than myself, the consumer, received a benefit from the extension, or lack thereof, of the use of my credit.

I need your company to furnish a detailed documentary with evidence of public and private communications to see who received the benefit from the use of my credit.

I also need to see a detailed documentary of how the reinvestigation was done and how each account came back as valid and by what means. I need to know exactly who you spoke to with the name and address of each individual. 

If this information can not be provided, I demand each account be removed effective immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit 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 Balance : {$1600.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Public record information inaccurate

I had a ccj which was paid within a month of the judgment and no one has removed it from my credit file?????
Complaint sub-issue: Problem with statement of dispute

I had a credit card account with my credit union XXXX XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX Equifax XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. 

XXXX XXXX agreed to remove the trade line from all XXXX of my major credit reports after my CFPB complaint XX/XX/XXXX. They contacted XXXX, Equifax , XXXX XX/XX/XXXX to have this removed. XXXX removed the tradeline per XXXX XXXX XXXXXXXX request but Equifax did not do so. I requested a new investigation and provided the letter from XXXX XXXX stating their intention to have the trade line deleted. Equifax did not remove or update anything based on that investigation and they are still reporting this negative account. I have requested this be corrected numerous times via direct disputes with Equifax and filed a previous complaint which provided no action.
Complaint sub-issue: Information belongs to someone else

I have tried contacting Equifax about fraud accounts on my credit. They told me to fill out some form and I did and to mail it to them. I did and they have nothing. I do not know who else to help me but can someone please help with these fraud accounts, I am being contacted by people companies that i do not no.
Complaint sub-issue: Information belongs to someone else

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS REMOVE OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Problem with personal statement of dispute

Hello, on XXXX XXXX I submitted a complaint about the credit reporting agencies concerning XXXX bankruptcies on my report. 
These are the complaints that I sent, XXXX XXXX XXXX XXXX XXXX I never complained about the accuracy of those bankruptcies. My complaint was that they should be removed. The law clearly states that I have the right to privacy per 15 U.S.C 1681. Also the courts do not provide bankruptcy information to the credit reporting agencies. I submitted my documents including the letter from the court stating that they do not provide said information. Those items should be removed given that's the law.
Complaint sub-issue: Debt was paid

i had a balance after moving from an apartment complex, i paid the balance off six months later prior to moving to another apartment complex but for some reason this company is trying to collect on a debt that has already been paid to the original creditor
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2018I made a purchase in Colorado while on a work trip for {$140.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. Part of the purchase included a product that was faulty, it did not charge correctly, so I took it back. I'm not sure of the exact amount of faulty product, as my email receipt from XXXX only has the total amount, but I believe it be {$90.00} - {$100.00}. The seller refused to refund, return, or exchange the product without a physical receipt even though I had a square receipt in my email inbox. 

I made a call to XXXX XXXX Visa Credit Card Services on XX/XX/2018 at XXXX to make a dispute. I relayed my story to XXXX regarding the seller refusing to return, refund, or exchange. The case was opened and a temporary reversal of the transaction was reversed. 

On XX/XX/2018 the transaction was re-reversed. I received a letter shortly after stating my claim was resolved, and that the charge would be placed back on my account. The reasoning as stated in the letter was that the charge was a valid charge. There was a copy of the receipt in the letter, which XXXX have may obtained from the seller or the seller 's bank. On my call to XXXX on XX/XX/XXXX, I never claimed the charge was not valid, but rather that the seller refused to return, exchange, or refund a faulty product. 

On XX/XX/XXXX, I made another call to XXXX asking to explain the reasoning of the letter and compare that to my original claim. I told them why I was confused, as the reason in the letter had little do with my original claim. The representative provided little information, but told me my case manager would call me with 48 business hours. I was not called back. 

On XX/XX/XXXX, I made another call to XXXX. I asked why I was not called back. I was not provided with a satisfactory response. The representative made inquiries with me why I believed their decision was incorrect. I had to explain the situation, and my original claim to them again. I was told I would hear something from a case manager within a week. 

On XX/XX/XXXX, I made another call to XXXX. I went through the same motions as before in the other calls. I had to explain my situation again, why I was requesting the dispute. The representative stated that I will receive a call from my case manager. 

I believe I have made myself extremely clear in this matter, and am frustrated that I have no recourse for how I am being treated.
Complaint sub-issue: Account information incorrect

I have recently obtained a copy of my credit file and there are many mistakes in my report. 
XXXX XXXX MERCHANT - XXXX : Unverified account XXXX CALIFORNIA XXXX XXXX : Unverified account
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Over a year ago i never received a bill for medical services. XXXX threw there gross incompetence and error used a false fake address of XXXX XXXX XXXX bayonet point fl XXXX. I never lived there and never received a bill from XXXX imaging service and i never received a debt bill or debt notice whatsoever! I spoke with XXXX and CBM Services Inc and they made up a false address and never sent me any bills and notice to collect a debt to my correct address of XXXX XXXX XXXX XXXX fl XXXX. Both refused to help me today and remove this charge i have had no idea what it was for from my credit report that was the ONLY one to notify me of this debt. Both XXXX and CBM Services Inc are in violation of they law.
Complaint sub-issue: Attempted to collect wrong amount

they were rejecting my payment, and then overcollecting payments asking for a XXXX dollar payment, when it was just supposed to be XXXX, they were also trying to skim XXXX off my payment " punishing '' me for paying, they wanted me to pay another way besides money. They rejected the money I had, then I don't have enough now because they charged me for late fees, etc. and just manipulating themselves out of business.
Complaint sub-issue: Old information reappears or never goes away

I disputed this XXXX account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, XXXX  shows a XXXX, this account has been on my report for seven years
Complaint sub-issue: Information belongs to someone else

I went to get financing for a vehicle advance. I was eager to go to the business until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me account for any vehicles. This got me off guard I have consistently perceived the significance of having and keeping up great record. So I generally put forth a valiant effort to ensure I kept the entirety of my undertakings all together. So obviously I was loaded with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be eliminated. This is maligning of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a shopper 's standing. FCRA 15 USC 1681 states that a purchasers credit report is the customer 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the Equifax information break.
Complaint sub-issue: Account information incorrect

Yes Hard Inquiries have been addressed with the 3 major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, 2015, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I am currently putting fraud alerts on my credit report and am hoping my identity does n't get stolen.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX  and XXXX XXXX have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.
Complaint sub-issue: Debt is not mine

Collection agency is trying to collect some money from me that has been closed several months ago due to the years that has been in my record. The case were closed, until such that they decided to open it up again.
Complaint sub-issue: Problem using a debit or ATM card

I called when I saw my balance was {$0.00} the last transaction was by XXXX XXXX in the ammount of {$15.00} the customer service line told me it has to be a completed transaction to do anything. They lied and treated me like a XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from LJ Ross on or around XX/XX/2018 attempting to collect a debt from XXXX. I mailed out a letter requesting LJ Ross to provide me with the contractual agreement between LJ Ross and myself on XX/XX/2018. I requested that they send me that contractual agreement within ten ( 10 ) days of receipt. They received the letter on XX/XX/2018 and as of XX/XX/2018 I still have yet to receive the contractual agreement between LJ Ross and myself.
Complaint sub-issue: Didn't receive notice of right to dispute

This debt was from a mastercard I had years ago that was paid, and it has been past the time they can collect
Complaint sub-issue: Debt was result of identity theft

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order I C SYSTEMS COLLECTIONS to make recompense and pay redress and compensation for their trespass against me. I C SYSTEMS COLLECTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Complaint sub-issue: Problem making or receiving payments

Back in XXXX the XXXX 2021, I XXXX  my sister money from my saving account total transference was {$1000.00}. my sister changes her phone number which was my mistake I did not update her number on my bank account.. I did contact the bank right away on the same day realizing my mistake the bank told me will stop the payment to go thru. but days and weeks pass and they haven't been able to get that money back or to provide me with where the money is. my sister never got the money. now these {$1000.00} are lost who knows where or which account I am been trying so hard went to the police to make a report they can not do a report because there is no crime. I have gone to the branch for help but no answer. I am running out of options can not hire a lawyer is way too expensive please adviced me on what can I do to recover this money.
Complaint sub-issue: Attempted to collect wrong amount

I purchased a vehicle that was totaled in an accident. The original lien holder was paid by XXXX and Gap insurance. This left a balance of roughly 2000. I received a letter from Jefferson capital a debt collection agency advising they own the debt and offered a settlement on the account. I received a call from Jefferson capital today and was advised the balance is now over 4k and they offered a settlement of XXXX. They are using deceptive practices in an attempt to collect on the deficiency balance which is not legal
Complaint sub-issue: Was not notified of investigation status or results

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE DISPUTED OVER A MONTH AGO THE ITEMS LISTED, CREDIT BUREAUS HAVE VIOLATED MY CONSUMER RIGHTS BY NOT RESPONDING NOR LET ME KNOW THEY RECIEVED MY DISPUTES WITHIN 30 DAYS
Complaint sub-issue: Debt is not yours

Logged in to view my credit report and noticed I had an account in collections for {$210.00}. I do not have any accounts in collections, nor did I ever receive anything in the mail for it.
Complaint sub-issue: Debt is not yours

This debt is not mine due to fraudulent activity on my account and the result of unauthorized transactions that were placed, my response is going to be the same. I notified your office with a debt validation letter saying I owned this debt with my signature, and evidence this wasnt fraud, Im a victim of identity theft/ forgery please prove you are the original debt collector if you cant prove that you are the original debt collector, and not speaking on the behalf of any other company this debt needs to be closed. Unauthorized transactions on my account Im not liable for once again this is due to fraudulent activity, and forgery my account was taken over I have and had no control over that, my account was hacked like many other Americans that Is a victim of fraud I have rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All three credit reporting agency show hard inquiries I didnt apply for and they said they dont care I said its Identity theft and here 's the report they said they wont accept it I have proof from Equifax From them my information was compromised in the data breach they said they dont care. I have a id theft report they refused to use I mailed it to them they opened it then returned it saying the will not except this id theft report and all three credit reporting agencies have been sent these reports before 5 times, and they didnt care and there is more then the hard inquiries I my form that are on report due to id theft. 
And here is the proof of the if theft report you requested again for the 4 time everything on this complaint shows proof of identity you requested