Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

the XXXX XXXX account # XXXX XXX just reporting on my credit report has an inaccuracies that makes this report invalid!! date last active XXXX XX/XX/XXXX XXXX XXXX XXXX and Equifax XXXX XXXX PLEASE DELETE THIS INVALID DEROGATORY ACCOUNT THAT IS HURTING MY CREDIT SCORE IMMEDIATELY!!
Complaint sub-issue: Debt was result of identity theft

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Complaint sub-issue: Account status incorrect

I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears
Complaint sub-issue: Reporting company used your report improperly

In 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Public record

Equifax shows public records that I had Federal and Hawaii tax liens fied on XX/XX/XXXX These liens were the result of my incorrectly filing returns ( missing information ). The state lien was filed automatically becuse of the Federal lien. After contacting the IRS and filing an ammended return from XXXX, it was determined that no tax or penalty was due and the " bottom line '' on XXXX returns was correct - {$0.00} tax and/or penalties due. The IRS released their lien on XX/XX/XXXX. I was in contact with the XXXX tax office ( from XXXX ) and sent a check to cover the expense of releasing the lien. After talking to them today, I discovered they had sent me some additional information by mail ( not to my residence ) that I never received. The result was that the Hawaii Tax lien was n't released until XX/XX/XXXX. 

After being denied credit because of " derogatory information '' in public records, I obtained this information in XX/XX/XXXX. However, this derogatory information - tax liens - were for taxes that were never owed, and still remain on my credit reports. The tax agency says it only releases the liens after being paid a recording fee, etc. and I never responded to the mail that I never received. So, I am paying more for credit because of the liens that never should have been filed, and there is no way to remove them from my credit report. I believe these liens should be removed from my credit report because I never owed any debts, additional taxes or penalties. But the credit agencies keep this derogatory information on my record for XXXX years. I request that these leins be immediately removed because, they are there to alert credit providers of records of not paying owed debts. There were never any late payments made or due. There are no other derogatory items in my credit report, so it is not fair to continue to penalize me until XX/XX/XXXX for a lien that should have been removed and not only " released. ''
Complaint sub-issue: Debt was result of identity theft

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Complaint sub-issue: Information belongs to someone else

These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor am I a mortgage company.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and which someone got an account under my name with Acima. I already mailed them the information in which they never got back with me on. I sent them my police report and identity theft report. They continue to email me one email was around XXXX which is a inconvenient time for which is a violation of my rights as a federally protected consumer under title 15 chapter 41.
Complaint sub-issue: Debt is not yours

This is my 2nd attempt at reaching out to JEFFERSON CAPITAL SY about a fraudulent debt that they are incorrectly reporting on my credit. This incorrect reporting of this unknown collection is having a negative effect on my credit and preventing me from being a credit-worthy consumer. JEFFERSON CAPITAL SY is saying that I owe a debt, however, even after I have reached out to them, they still have not properly and correctly VALIDATED this incorrect debt that they are reporting on my credit. 
I am requesting that JEFFERSON CAPITAL SY provide me with the following information : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
Complaint sub-issue: Investigation took more than 30 days

Date reported : XXXX/XXXX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX Original Amount Owed {$2700.00} Amount {$2700.00} Status Date XXXX/XXXX/XXXX Status UNPAID Balance Date XXXX/XXXX/XXXX Account Designator Code JOINT_ACCOUNT Account Number xxxxx XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency XXXX/XXXX/XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

Several charges were made on a card that I do not use for any reason and have not in years. I opened the card simply to enact a cheap balance transfer that was concluded years ago. 

The charges can not have occurred with the card in question as the card resided in a ziplock bag inside a drawer inside my own home. Citi are claiming the charges were made with a physical card which is impossible. Citi issued a new card and advised that I destroy the old card which I did. 

Citi claim that because the card was in my possession and a physical purchase was made that I MUST have been the one who made them. I of course did not and fear that identity theft or a breach at Citi has resulted in someone being able to access my information, or clone my card or some combination thereof.
Complaint sub-issue: Report shared with employer w/o consent

Reporting information on which I have Never requested,,,, in which impact my Credit and Score. I have sent letter on this issue to be eliminated asap from report and they ignored. 
The company are : XXXX XXXX XX/XX/XXXX2015XXXX XXXX XXXX XX/XX/XXXX2015XXXX XXXX XX/XX/XXXX2015I have not given authorization none of this Company.
Complaint sub-issue: Investigation took more than 30 days

XXXX  has fail to reply within the 30 days pertaining to the inaccurate information place on my credit report please look into this matter And adjust Accordingly Thank you
Complaint sub-issue: Frequent or repeated calls

Conns XXXX XXXX frequently calls my husband at XXXX, however, the phone line belongs to me. I have repeatedly told them that XXXX is in XXXX  and to stop calling. They call everyday 5-6 times. They could do an online search and verify hes an XXXX at XXXX XXXX XXXX. Im getting harassed by their constant daily calls. They have called from XXXX, XXXX, XXXX, XXXX and XXXX. Every time I block a number they call from a new one. Im already stressed with the fact he was arrested and being held on {$50000.00} XXXX. I dont need frequent collection calls for a debt I am not responsible for. We divorced in XX/XX/2020. They need to stop harassing me.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom it May Concern, This letter is in response to your recent claim on regarding XXXX XXXX XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have disputed discover card for years. Fraudulent charges were applied to this account when card was stolen over 5 years ago. I always paid my account on time until I became aware of the fraudulent charges. I'm very dissapointed that Discover continues to report this negative charge off simply because I refuse to continue paying on a a card with charges I don't owe. I disputed with the credit bureaus and sent my FTC identity theft report ' The account status should be closed due to card being stolen or lost and the charges after the theft should be removed from my liability. I'm disputing this account as fraud and while it is being disputed internally this account should be temporarily blocked from my file until Discover makes the necessary adjustments/corrections.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

This complaint is regarding the title on a car purchased from Carmax in  XX/XX/XXXX. The vehicle Vin # XXXX. I now no longer have this vehicle due to another dispute ( Lemon Law ). I filed a complaint through Carmax several times for different things such as in their possession all of my things were stolen out of the car. This time I just paid two tickets in the amount of {$290.00} due to Carmax system taking the title out of my name 3 times during XXXX and XXXX that resulted in a moving violation because my title was not registered to me the first incident happened in XX/XX/XXXX and the second XX/XX/XXXX. It was awful I almost was arrested because of the known scam of unregistered tags but this was actual my car and I was driving it when I was pulled over by police. Carmax stated they would reimburse me and never did. The vehicle was also impounded by the police during the XXXX incident I had to pay the impound fee and tow yard fee. I would like to be reimbursed for everything. Please see receipts attached.
Complaint sub-issue: Reporting company used your report improperly

I accordance with the fair credit report act 1st Digital/Synovus/XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B, states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Reporting company used your report improperly

In accordence with the Fair credit reporting act XXXX Account # 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 It also states a consumer reporting agency Can not furnish a account without my written instructions 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: Investigation took more than 30 days

I was a victim of the DATA BREACH FROM EQUIFAX ... and a major victim of identity theft ... and to be honest with you XXXX and XXXX XXXX great, they helped resolve all the issues I have had as a result from the DATA BREACH. EQUIFAX is still reporting fraudulent information and I have a 200+ credit score difference with Equifax .. I disputed this account for over 2 years now ... have police report from Washington DC and they still report it, ... I Dont know what to do because so much of my credit file that was me is now gone and all that is left is the FRAUD with Equifax and I can't get rid of it ... There is literally 5 closed accounts of mine that have been deleted or removed from all 3 agencies.
Complaint sub-issue: Was not notified of investigation status or results

Sent the attached letters about 50 days ago. I just dont understand why the credit bureaus are not taking responsibility to protect me as a consumer and make sure my credit report is up to date and showing accurate information
Complaint sub-issue: Problem getting your free annual credit report

Every year I request my " FREE '' annual credit report through XXXX XXXXXXXX XXXX. Every year it is the same thing. I can not access my free credit report from XXXX. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through XXXX to get a basic look at my three credit reports, it was not free. I tried to file a dispute to XXXX and to Equifax and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/1981 SS # : XXXX Hello, Back on XX/XX/XXXX I requested validation of : XXXX XXXX XXXX Account Number : XXXX I never received validation and it is still reporting incorrect payment history as shown in the attachment. I never missed any payments. This has upset me and hurt me mentally, physically and emotionally and I am requesting that this account be deleted, that we look into arbitration and that I be awarded remedy in the amount of XXXX dollars paid out to me by check and mailed to the address listed above. This is XXXX from the credit reporting agencies as well as from XXXX XXXX XXXX. My affidavit of truth is being written right now please look forward to it. Please cease all contact aside from communication through the CFPB portal. Any documents that you may want to provide should strictly be uploaded here. Please adhere to my terms explicitly!!! 



Thank you. 
CC XXXX XXXX, Esq
Complaint sub-issue: Problem with fees

I am set up for online credit card payments with XXXX XXXX  Services and I made a payment of {$240.00} ( the minimum payment ) by the due date of XXXX/XXXX/2017. However, they are claiming my XXXX payment was late because it was paid after the " cutoff '' time, which is not noted anywhere on their website 's payment portal. As a result, I was charged a late fee of {$27.00} for supposedly making a late payment. I do not believe they should charge this fee when they do not make it clear when the " cutoff '' time is. I have attached screenshots of their online payment portal and I would appreciate if your agency would look into this.
Complaint sub-issue: Account information incorrect

I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX Acct # XXXX XXXX XXXX, Equifax, XXXX ) 2. XXXX XXXX XXXX   # XXXX ( XXXX ) 3. XXXX XXXX XXXX Acct # XXXX ( XXXX )
Complaint sub-issue: Investigation took more than 30 days

I have sent multiple letters to credit bureaus and have not receive a response from any of them. I sent a letter on XX/XX/XXXX and XX/XX/XXXX. Received no letters in the mail or email. It has been XXXX months so far. There are not following the rules. They have 30 days to respond. I want these items removed from credit report.
Complaint sub-issue: Fraudulent loan

on XX/XX/2022 i made a request in good faith as a Natural Being, under UCC 9 - 210 to Ally Company and its associates on XXXX thru the cfpb to produce documents in good faith, on XX/XX/2022 Ally Bank Responded in Error and somehow is above federal law and dont have to respond to consumer rights, Ally Bank has use deceptive language in there response, and causing me even more harm, by causing me worry and stress because they are not abiding by Federal Law. 

my request was simple produce a Record Authenticated to Prove you have a Legit Security Interest in this so called loan, Ally Bank sated i Entered into a Sales Contract as a response to my request under UCC 9-210, A Sales contract just proves i extended to you Ally Bank my Social Security number and there was a credit transaction performed not a loan and your sales contract only proves that, the entire process is was fraud, including not disclosing how you came up with a interest rate as well as forcing me to pay for insurance out my own pocket when that too should of been already included in the transaction. 

now Ally Bank in there response dated XX/XX/2022 basically didnt prove any security interest as legit lein holder but now using threating terms in there written response causing me more harm and more pain and stress to my family and mental state because now they are invading my privacy saying they stil will contact me and possibly come steal my property that ive purchased thru my line of credit thru a credit transaction, the UCC 9-210 would of provided the proof to show that it was never a loan but a credit transaction, now Ally Bank are XXXX XXXX and threating me with deceptive language and now i am Damgaged
Complaint sub-issue: Problem getting your free annual credit report

It seems like every year for a decade have had issues getting my annual free report with Equifax which trends like this means it's most likely intentional which the entire process sure seems like to make it easy one has to pay for outside services ... 

I may have gotten a credit question wrong as in reality when some has decades of credit history, perhaps just makes sense to just try a different question!?!?!
Complaint sub-issue: Problem with fees

I was charged a late payment fee of {$30.00} by Macys ( Department Stores National Bank ) for an overdue payment. This was something that I was responsible for. 

I paid the balance due in full one day late, and Macys was kind enough to reverse the charge. Over the phone I was assured that there would be no balance due and no additional charges on the account. 

After calling to check on the balance ~one week later, I learned that the reversal was not for the full amount, but rather {$28.00} dollars. Seeing as I was partially at fault, I gladly paid the {$2.00} hoping that the issue was resolved. 

The next month I received a bill with an additonal {$2.00} fee to my surprise. This was later explained to me as interest. 

The problems with this as I see them are : - I was told that after the payment and reversal there would be no further charges - I have dealt with this issue now multiple times -- 3+ phone calls - Unanticapated charges are being made against the account that seem predatory in nature
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I have no idea who Pro Collect Inc is. I have not had any signed contract with them and had requested they remove this account from the credit agencies. I do not have any contract confirming I owe this amount. We will need to go to court for this debt so that a judge can determine it is not mine. They have my name but can not verify any of my person information.
Complaint sub-issue: Public record information inaccurate

THE DISCHARGED BANKRUPTCY ACCOUNT HAS NO AUTHORIZATION TO REPORT ON MY CREDIT. THIS ACCOUNT HAS BEEN DISCHARGED AND DISMISSED IN THE COURT OF LAW. I AM REQUESTING IMMEDIATE REMOVAL OF THIS ACCOUNT ON ALL THREE REPORTING BUREAUS.
Complaint sub-issue: Investigation took more than 30 days

Submitted original dispute on XX/XX/2020 and its been over the 30 days period. Sent a vod letter. No answer.
Complaint sub-issue: Their investigation did not fix an error on your report

I do not owe XXXX University  or Federal Perkins Loans. Amounts shown on the statements I uploaded show {$300.00} payment made back to Federal Perkins for {$1200.00}. And that I have a XXXX balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.