Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

I have placed a formal complaint with the CFPB in regards to XXXXXXXX XXXX. The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. XXXX contacted me the next day stating that they complaint would be reviewed. I provided XXXX with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of XXXX XXXX. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted XXXX and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. XXXX does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.
Complaint sub-issue: Personal information

I recently inspected my Equifax credit report via " XXXX ''. I noted that they had the wrong form of my name on my report. My legal name is XXXX, and my Equifax credit report has the name " XXXX ''. Informally, I 'm known as " XXXX '' among family and friends, and at one time I spelled the short form of my name " XXXX ''. But since then I 've changed the spelling of my informal or " nickname '' to " XXXX ''. NONE of this has any bearing on the name that SHOULD be on my Equifax credit report, because for business purposes, when I sign anything or conduct ANY kind of business, I ALWAYS go by my legal name, " XXXX ''. Per Equifax 's instructions, since one of the items I was disputing was the name on the report, I faxed copies of my birth certificate and state-issued Identification card via fax, along with a written detail of any other information I wanted to dispute. Before faxing the documents, I made certain that all info, INCLUDING my birth certificate and State ID were clear and legible. 
Unbeknownst to me, once they received my faxed documents, they downloaded them on their computer system in XXXX, Georgia ( I do n't know what they did with the hard copies after that ), and when their customer service agents now try to access them in whatever country they 're outsourced from, they 're reduced to fit their monitors and resolution, making my birth certificate supposedly impossible to read by them -- but the ID is still legible. 
I 've told them repeatedly that I do n't have any other documents they might find acceptable, and that they should go by the State ID I sent, which they agree is legible, since it 's not my fault they converted the hard copies to an electronic form that 's illegible. I also reiterated to them that I ensured that the hard copies I sent were clear and legible, so I 've done my due diligence. Now they 're refusing to update the name on my report to my legal name, purely on a technicality in their regulations, even though the issue is their fault and not mine. 
Do I have any recourse against them, or any way to compel them to make the necessary changes, or to attempt to locate the original hard copies I faxed, or am I at their mercy, even though I 'm in the right? 

Thanks in advance for any assistance or information you are able to offer. 

Sincerely, XXXX XXXX XXXX, OH XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2019 I received a phone call from XXXX, thinking it was family, I called the number back to find out it was a debt collector trying to get paid for a 14 year  old debt obtained through identity theft. I got very upset most of all, because they gave out the last 4 digits of my social security number before they knew who I was and I went off the deep end. I questioned them of how they got my social security number and why they had given it out and I did not let him get a word in edge wise because I was mad, and yes I said some bad work. I also told them that I better not find it on my credit report as a new account owed, I have one on there that did this and it is still on my credit report, and then I hung up on them. I did call them back to get the company name, because I don't remember them giving it to me. A women answered the phone this time and said her name was XXXX and I asked her to spell it and she asked if I had just called and I said yes and I want the address to the company, she kept asking questions while I was asking for the address and she would not give it to me and told me to answer her questions and I kept asking for the address and she said that it was being recorded and I told her good and told her the same thing I told the first person. She hung up on me. They should not be giving out any part of someones social security number at all. I am going through a problem with identity theft right now, and them giving this information out is not good, a lot of companies ask for the last digits of your ss #, but they don't give it to you.
Complaint sub-issue: Debt was paid

The debt is showing on my Credit Report with a {$0.00} balance.
Complaint sub-issue: Didn't receive notice of right to dispute

I found out about the debt due to my credit report. I reached out to XXXX to get info about the debt. It was from XXXX. I did not know about it until now XXXX. When I reached out to the collector they said it has been with them since XXXX. It is for over XXXX dollars. They have not sent me once notice of collections. They have the correct address and information of how to contact me and have not tried once. Nor would they give me any information and told me to contact XXXX.
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX Date of inquiry : XX/XX/XXXX EQUIFAX Date of inquiry : XX/XX/XXXX EQUIFAX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Contacted you after you asked them to stop

On XX/XX/2018 I was contacted by XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, NY. She said I owed money to a company and when I asked her to send me a debt validation notice she said " I am sorry we are way past that and I am giving you a courtesy call before we file papers ''. I told her I am not paying anything until I can validate this alleged debt. She also contacted me at my work and called my girlfriend 's cell phone leaving messages on both. I very firmly told her to never contact my girlfriend again and to not contact me at work again. I said, you have my cell number so you know where to find me. She then threatened to contact my HR department to garnish wages. 
On XX/XX/2018 I was contacted my Ms XXXX from XXXX XXXX. She also called my girlfriend and called me at work again. I told her I have repeatedly told your company to never call me at work or contact any of my friends or family. Ms. XXXX also left a voice mail telling my girlfriend she had papers for her too! Once again, during our phone conversation she never stated she was a debt collector or read my mini miranda rights. 
On XX/XX/2018 I get another call from Ms XXXX from XXXX XXXX XXXX. She also called my girlfriends cell phone and called my work number again after numerous times telling to not call me there. I never have received a debt validation notice or have they ever stated my mini miranda rights. I am beyond upset and so mad. This company breaks several Federal laws under the FDCPA. This company believes they are above the law and operate so. They make false threats, intimidate, and lie to you. I have contacted a lawyer already to pursue legal action if they don't stop with their illegal tactics.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2022 I submitted the following letters to the following credit reporting agencies and as of XX/XX/2022 they have not updated the information and are therefore in violation of the the USC 15 1681 law by not reporting accurate information. I requested that they provide an investigation and to update the inaccuracies in reporting including deleting all fraudlent activity that is a result of being a victim of Identity theft. There inaccuracy in reporting is attached with the credit report dated XXXX without the updates that was listed on letter dated XX/XX/XXXX. XXXX. A clear violation of the fair and credit reporting act and causing me to severe distress and inability to acquire and obtain credit. I appreciate to receive updated and accurate reporting on a new credit report from both XXXX and Equifax reflecting the corrected and accurate reporting because they are in clear violation and as a consumer I will be seeking litigation if they continue to report false information.
Complaint sub-issue: Debt is not yours

This complaint is in reference to IC SYSTEM Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.
Complaint sub-issue: Personal information incorrect

There are a few incorrect addresses I would like removed from my credit report. i have not stayed at the addresses listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Non-sufficient funds and associated fees

My college daughter made purchases and overdrafted her account by {$1.00}. We had previously been told they had a {$5.00} threshold for overdraft fees. They then charged 4 overdraft {$36.00} overdraft fees. When we called they said the fees are assessed on available balance. We did not know this and had been banking here for years. We were also told that since she was opted into overdraft coverage she gets charged for each item that hits the account that day. We explained we knew nothing of any of this. We previously kept high balances in our accounts. We recently had a sudden death in the family and depleted our balances. In the past we could call and ask for an explanation of charges no one ever even took the time to explain it they just refunded the fees. Now they we are in a lower balance situation we get a full explanation with no refund. Im concerned this is discrimination
Complaint sub-issue: Debt is not yours

The following items were listed on my credit report and they do not belong to me : XXXX account number # 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

Equifax report a collections account XXXX XXXX XXXX XXXX  I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account I NEED PROOF OF ACCOUNT OR DELETE IMMEDIATLY
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX is reporting incorrect information to lenders, such as derogatory public record or collection filed, too few accounts currently paid as agreed. 

In truth,100 % of my accounts are paid as agreed, no missed payments, no derogatory public record or collection accounts. 

Lender XXXX XXXX has denied my application for a student loan because of the information that is falsely reported by XXXX.
Complaint sub-issue: Funds not handled or disbursed as instructed

I have made over {$2000.00} in payments to us bank reserve line XXXX. However they have not been applied to my account. Recently i made 2 {$300.00} in payments totaling {$600.00} and a couple months ago I sent in a {$700.00} check. Us bank never applies my payments or they apply them incorrectly and keeps charging me late fees and interest fees on incorrect balance. My balance that is due should only be {$400.00}. You need to investigate this company ASAP! Where is my money going??? CONTACT ME BY PHONE THEY NEVER CALL OR ANSWER ME
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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: Card was charged for something you did not purchase with the card

I left XXXX long time and went back in XX/XX/XXXX just to come to know that my Citibank Credit Card Ending in XXXX was on my credit bureaus ( known as XXXX in XXXX ) as negative and I have to pay around XXXX ( {$790.00} ) to get it off from my account, after several calls to Citibank I was able to get hold of their manager XXXX XXXX XXXX on phone number XXXX XXXX XXXX, and he assured me that the account will be taken care of and asked me to file a police report on fraudulent charges, which I did, he took around 6 months to reply to me and came back with an answer on XX/XX/XXXX, and he said nothing can be done and I would have to pay the money, so I asked what about the police report, and they said police report will not be considered. 
Frustrated, I filed a complaint on Consumer Financial Protection Bureau, and I got an email from Exective office of XXXX XXXX XXXX ( Phone no. XXXX ), I spoke with him and he asked me to file a police report on lost of credit card and loss of XXXX XXXX, I did the same and after a long period of time he came back to me in the Month of XX/XX/XXXX and said I would have to pay the entire amount due and nothing can be done about it. so this clearly states how these banks are doing robbery in XXXX, I have filed a police report and they are even not considering that?
Complaint sub-issue: Debt was result of identity theft

I have filed a complaint against XXXX XXXX XXXX that alleges the company, which operates as XXXX XXXX XXXX XXXX, charges improper and excessive termination fees for leases of point of sale ( POS ) equipment, such as payment terminals, card readers and mobile payment devices. 
We mailed this company many times to explain that a collection is impossible and we explained the collector can not seek a reimbursement from XXXX XXXX stemming from the profits reaped by the company from subjecting merchants to complex agreements involving several parties just to lease a POS terminal which could simply be purchased for less than {$200.00}. 

The only existing contract was signed with XXXX. This XXXX document is identified with a number. This document doesnt make any reference to XXXX XXXX. 
XXXX XXXX present a new Document with a reference to XXXX XXXX. This document was completed after signature. 
I claim that XXXX XXXX pushes merchants to lease payment equipment from XXXX XXXX upon entering into payment processing agreements with financial institutions, who serve as the companys agents in POS leasing transactions. XXXX XXXX allegedly tricks merchant customers into spending thousands of dollars leasing payment equipment that can be purchased outright for less than {$200.00}. 
I this case XXXXXXXX XXXX  allege a binding merchants to years-long agreements that do not allow for the cancellation of the lease of POS terminals. 

I didnt signed any leasing agreements with XXXX XXXX. 
The material ( XXXX XXXX XXXX XXXX ) was returned as soon as it was received. 
The merchant service XXXX was informed more than a year ago that the contract was breached. 
XXXX XXXX as well was informed a year ago. 

XXXX XXXX includes a alleged a non-cancelable agreement clause within its form contract. 
We never signed the contract neither any affiliates Program Guide.

We never signed an insurance for a non existant material. 
We never signed for any delivery of material from XXXX XXXX or anyone else. 

The collection company attempt to maximize profit for XXXX XXXX regardless of the circumstances and the documents provided. 
In fact, there is a class action for the same reason against XXXX XXXX claiming that the contract can not be canceled without the customer paying all remaining sums due for the full term of the lease agreement, even if XXXX XXXX fails to perform its obligations under the contract.
Complaint sub-issue: Information belongs to someone else

Not mine: FCRA violation

XXXX XXXX XXXX
Closed
XXXX potentially negative months
Account Info
Account number
XXXX
Account status
Closed
Date opened
XXXX XXXX XXXX
Account type
Credit Card


XXXX XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX
Account number
XXXX
Collection opened
XXXX XXXX XXXX
Account type
Collection

XXXX XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
Account Info
Account number
XXXX  Collection opened
XXXX XXXX XXXX
Account type
Collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account ending # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have 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: Reporting company used your report improperly

I was sent numerous pre approval credit cards and loans per Credit Karma. When I applied had my credit ran I was denied and it left hard inquiries on my credit which affected my scores
Complaint sub-issue: Information belongs to someone else

Equifax violating laws reporting inaccurate information on Credit report
Complaint sub-issue: Their investigation did not fix an error on your report

My wife and I were XXXX from our chapter XXXX bankruptcy which included a reaffirmation agreement for our home mortgage in XXXX of XXXX. We noticed that in XXXX of XXXX, our mortgage company XXXX XXXX stopped reporting our payments to all 3 credit bureaus so we questioned our Bankruptcy XXXX. They told us that yes, our bankruptcy was XXXX in XX/XX/XXXX but our Trustee was still dispersing our tax money to creditors at that time so our file was still open but he had just finished so it was closing and XXXX XXXX would need to begin reporting and backdate. Well by XX/XX/XXXX, XXXX XXXX still wasnt reporting and I had already filed disputes with the credit bureaus about it on XX/XX/XXXX given case number XXXX with XXXX and XXXX with Equifax ( XX/XX/XXXX. ) On XX/XX/XXXX, they came back saying it was accurate information being supplied by XXXX XXXX ( XXXX XXXX was reporting that my account was reporting our account as closed and XXXX in chapter XXXX. ) I disputed a second time and attached a copy of our reaffirmation agreement explaining that it was NOT included in the bankruptcy and that it needed to be updated as open and current. XXXX  promptly deleted the entire account from my credit report. Equifax eventually updated the status to reflect our account as open and current, but doesn't show any payments made in XXXX. I emailed XXXX XXXX on XX/XX/XXXX with a copy of our reaffirmation agreement demanding they update our credit reports to reflect open and current as it has almost been a year and they are in violation of the Fair Credit Reporting Act. On XX/XX/XXXX, I spoke to XXXX from XXXX XXXX who assured me it would be fixed within a week and to call back on that following Friday. She marked our file Urgent. I called back a week later and spoke to XXXX, who told me marking it urgent meant nothing and that they would get to it when they get to it. Everytime I call them or email them, they extend the waiting period an extra 30 days. I called XXXX and questioned them deleting XXXX XXXX from my credit report instead of fixing it. They said that's their policy and they won't fix it until XXXX XXXX tells them to. XXXX XXXX keeps giving me the run around. I have a reaffirmation agreement that should have allowed it to remain on my credit report with payments being updated!
Complaint sub-issue: Was not notified of investigation status or results

I checked my credit several months ago and noticed that there were inaccuracies being reported. I reached out to XXXX to correct the problematic items listed. Their response regarding this was that they validated the items with the company. I reached out again and they have failed to respond back. 
I am the original creditor, at no time was there an employee of XXXX nor the other companies listed when this alleged credit transaction took place. I did not verify any trans actions nor did I give consent or authorization to XXXX XXXX or ANY company to benefit from reporting any of my information. I have a right to privacy! Reporting this adverse information is an attempt to ruin my reputation, my character, and my life in general. This is a violation of my rights as a consumer.
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 group # XXXX