Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize anyone employed by XXXX XXXX XXXX, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of XXXX. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

Thank you.
Complaint sub-issue: Debt is not yours

on XX/XX/XXXX I received a notification about a debt collector from procollect which the original creditor stated it was XXXX XXXX. As a result, I never lived at that complex let alone owe XXXX. I contacted the original creditor notifying them of the issue and I was told that I am not in their system and they don't have any records of me living there. As a result, procollect sent me a letter stating to provide identity theft information, police report etc. I DON'T HAVE ANY OF THAT FIRST OFF, I NEVER LIVED THERE, AND SECONDLY, THIS IS NOW 6 YEARS LATER, I NEVER KNEW SOMEONE GOT AN APARTMENT IN MY NAME AND NOW THIS CROOKED COMPANY IS TRYING TO MAKE ME PAY FOR SOMEONE ELSE 'S MISTAKES. I DON'T THINK SO AND I'M NOT SENDING IN NO DOCUMENTS THAT I DON'T HAVE BECAUSE I NEVER LIVED THERE SO IF YOU THINK YOU ARE TRYING TO SCAM ME OUT OF XXXX XXXX THINK TWICE BECAUSE BEFORE I PAY THIS RIDICULOUS AMOUNT IT WILL REMAIN ON MY CREDIT REPORT UNTIL XX/XX/XXXX. AND GUARANTEED THIS WILL NOT BE THE LAST COMPLAINT I MAKE I WILL MAKE SURE THE FTC COMMISSIONER KNOW ABOUT THIS CROOKED BILL COLLECTOR PROCOLLECT IS MAKING PEOPLE PAY FOR IDENTITY THEFT ACTIONS THAT HAS BEEN CAUSED BY SOMEONE ELSE.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INACCURATE INFORMATION from my credit report immediately
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 this account deleted or updated.

This is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record
Complaint sub-issue: Problem with customer service

I have submitted a request of voluntary payments during pandemic pause on XX/XX/XXXX, I have since then received no confirmation, no status update, and no progress on my request till today. Calling the company always takes more than an hour at least to get connected. Ever since the student loan forgiveness application is online this company had made their calling system extremely tricky, most of the options will lead to a call being automatically hung up.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being. I have rights under 15 U.S.C. 1681. 

Equifax is govern by 15 U.S.C. 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because ; According to U.S.C. 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

This is a clear inaccuracy and a clear violation against my rights, Please take this off from my credit
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

On XX/XX/XXXX a XXXX XXXX was added to my XXXX XXXX Report in the amount of {$790.00}. I never received a letter or phone call in reference to this debt. On XX/XX/XXXX i sent a Certified letter to XXXX and National Recovery Agen About the No Surprise Act. Both companies received the letters on XX/XX/XXXX. The Investigation was verified on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To : Whom it may Concern, This account listed below is a complete VIOLATION of the NO SURPRISE ACT, DLELETE The listed account below immediately from my Credit Report.

National Recovery Agen Original Creditor : XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX As of XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. The debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe it was reported in error. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXXXXXX XXXX NA XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Complaint sub-issue: Reporting company used your report improperly

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Didn't receive services that were advertised

Concerning signing up for ID Protection with Equifax. First they told me I could n't sign up until X/XX/2017. Then when I tried to sign up instead of being enrolled at that time they said I would receive an email in a few days with a web link where I would be able to finish my enrollment in ID Protection with their company ( XXXX XXXX ). It is now 11 days later and I still have not received that email with the web link. Can you help me with this problem. Somehow I do n't think I 'm the only one with this problem.
Complaint sub-issue: Reporting company used your report improperly

My personal information was compromised by the recent Equifax hack. 
The following Equifax site confirmed my personal details were part of the hack, based on my Last name and last 6 digits of SSN : https : //www.equifaxsecurity2017.comXXXX
Complaint sub-issue: Account information incorrect

I have tried multiple times unsuccessfully to have the reporting of my student loans corrected at all three credit agencies. In response to my inquiries I receive form letters denying this correction. There are 12 separate listings, some are repeats of same loan, on each report of Equifax, XXXX, and XXXX.

Each contains multiple errors such as listed as still open and 120 days past due even though paid in full in XX/XX/XXXX, amounts incorrect, status incorrect marked as open when closed and multiple are over 7 years since first delinquency.

Please help me correct these reportings. I was behind in my payments in XX/XX/XXXXdue to personal illness and went through the loan rehabilitation process and consolidation process. My loans have been current for over 5 years yet these older accounts still remain as currently past due.

XXXX  does not respond and just sends form letters and adds comments stating verified by grantor.
Complaint sub-issue: Problem using a debit or ATM card

on XX/XX/2021 I deposited {$1300.00} to My us bank checking in cash to pay for My laptop for college at XXXX. my card was being declined at XXXX XXXX so i called US bank who told Me I hit My spending liMit for today using the card so i would have to wait another day just to Make a purchase. well as soon as i go hoMe i see a {$700.00} charge froM XXXX and us bank just took its provisional credit back and charged Me fees for a fraudulent charge WHICH IS UNACCEPTABLE. now i will be reported to XXXX if us bank doesnt fix the error! I will be going to another financial institution and thats what I RECCOmmEND FOR EVERYONE ELSE! DO NOT PLAY WITH US B
Complaint sub-issue: Information is missing that should be on the report

On XXXX I called Equifax to alert them that my credit file, which has nearly 30 years of history was now showing up as blank, my current address erased and a very old relative 's address was showing up, which I had disputed on XXXX as being inaccurate. At first they insisted that I had no credit history. A supervisor was able to find my previous dispute along with a copy of my drivers license and utility bill to prove my current address. Now almost a week later, the address is correct but my entire credit history is still missing. Additionally, because I was unaware of this issue, I applied for credit on XXXX and was denied because of " insufficient credit history '' This is a clear violation of the FCRA and equifax has take no steps to resolve this issue. I have been financially harmed by their lack of oversight and their employee 's lack of knowledge of their own operating systems.
Complaint sub-issue: Problem with fees charged

XXXX XXXX XXXX XXXX secured me a loan thru LGM auto finance to purchase a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was given 2 different 30 day tags from XXXX XXXX XXXX because I could not get tags thru the ohio XXXX since the car I purchased still had not been registered with the state of ohio. Even tho it is suppose to be within 45 days I believe. I continued to male payments and try to work out tghe problem because I wanted the car. After making payments for about 6 months and not driving the car for about 4 months ( because the car was still not registered and I could not get tags ), I informed LGM I would no longer be making payments for the car until I could get tags and to discontinue automatic debit of my payments. LGM then ran {$100.00} dollar payments thru my checking account until they were unable to. Lgm then ran {$50.00} payments thru my checking account until they were unable to. After they were done running payments, I had {$3.00} and some change left in my account. I contacted my bank and stopped them from accessing my account again but could not recover the money. I had no money. Could not use my car. And eventually had to file bankruptcy to get out of the car loan. After the bankruptcy was discharged, the car was eventually repossessed. Since it has been repossessed on XX/XX/XXXX, my personal property inside the vehicle has been held for ransom. I have contacted LGM and XXXX XXXX multiple times to recover my property. Neither company will return my property unless I pay them {$50.00}. On XX/XX/XXXX I was sent an email from XXXX XXXX stating I have to pay {$50.00} for my personal items for storage. I contacted XXXX on XX/XX/XXXX, the same day the car was repossessed to pick up my items. I was told that day ( XX/XX/XXXX ) I had to pay {$50.00} to get my things. If I was allowed to retrieve my items on XX/XX/XXXX, there would have been no need for storage or a storage fee but I was denied access to my personal property.
Complaint sub-issue: Account information incorrect

Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, Equifax and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.
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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

The reporting agency in violation of 15 USC 1681 ( a ) ( 1 ), Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Complaint sub-issue: Account status incorrect

I tried to open an a XXXX XXXX account on approximetly XX/XX/XXXX and they ran my credit through equifax. On that same date I pulled my own equifax account. The score I pulled on my own account was XXXX but the score given to me by XXXX XXXX was XXXX. They also said i have delinquent accounts but my report from equifax says I have none. I called equifax and they tried to charge me 8 .
Complaint sub-issue: Account status

I advised the credit bureau Equifax that this account is outside of the federal statute of limitations for XXXX years of time barred debt they responded to me that says because of their records retention policies that they have the right to list the debt beyond the XXXX year period and that i have to wait en-light of federal laws of which this is illegal under the fair debt collection practices act
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

From XX/XX/XXXX to XX/XX/XXXX my Discover credit card has been extensively used by a scammer. I opened this card mainly for the purpose of balance transfer from another card, I set up a minimum amount to pay back every month, I barely used the card and did not pay attention to the billing statements. 

It was not until XX/XX/XXXX that I found out about the fraud amounts on this card, I contacted Discover right away and they promised me to resolve this ; within the month they returned the amounts disputed of {$250.00} back to my card, but that was not the full amount, Discover still owed me {$130.00} but I never heard from them again. 

I thought it'd be over and I could move on but no, the card was again used by scammers and charges continued to occur well into XX/XX/XXXX. I reported the issue to Discover and asked for a new card and the company again promised to resolve it. By this time, the overall charges were {$770.00}. Discover later refunded me {$540.00} but the remaining amount of XXXX XXXXwas never received. 

However, in XX/XX/XXXX Discover charged me {$460.00} out of the previous disputed amounts. In XX/XX/XXXX I  disputed for the third time against the amount charged in XX/XX/XXXX with them, and they again promised to help me. 

Today is XX/XX/XXXX and I have not heard or received any response from them, I have called and followed up with the company at least 5 times. I just finished a phone call with Discover representative and was told the fraud department had completed the investigation one month ago on XX/XX/XXXX, and determined the charges were my liability. In addition, without any new information I can not open another dispute with them. However, during my previous followups nobody had told me if they made any progress in my case, and all of a sudden now they are telling me I am responsible for these charges. 

We are now burdened with an extra {$620.00} to pay which was fraudulently used. We have been working hard to pay off our debts, but with situations like this we will never achieve a debt free life. Please consider our complaint and uphold justice.
Complaint sub-issue: Deposits and withdrawals

I wrote the FTC after contacting Discover and nothing happened, so I am writing them again today to dispute the claim. It is not mine and I want it off my credit
Complaint sub-issue: Reporting company used your report improperly

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries because these are suspicious. 

XXXX, XXXX, XXXX and XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX, I submitted via certified mail in which was signed for on XX/XX/XXXX, a notarized FTC report, notarized police report, notarized personal statement and copy of my credit report including highlighted fraud and inaccurate items to the credit bureau. Per my request and FCRA rules the bureaus had 3 days to remove all listed fraud accounts and incorrect information from my profile however they only removed some items. I have given the bureau ample time past the allowed time given via the law to remove all fraud items and associated inquiries yet they are refusing. I have had a fraud alert and have taken proper legal precautions, such as flag my social and replace my DL since XXXX. I have even disputed such items and the bureaus have refused to properly verify the validity of such accounts, now they are refusing to remove them even with a Federal report and police report backing me as validity that the accounts are fraud. Please remove remaining fraud items from my report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Was contacted by this company about another persons debt. I let them know they had the wrong number and asked who was calling. MG Credit was rude and hung up. Called back to complain. let MG Credit know the number they are calling is wrong and to remove it from they call list. MG Credit continued to ignore my request and gather more information about me and the phone. This happened on XX/XX/18 around XXXX eastern time.
Complaint sub-issue: Problem with statement of dispute

This debt is from services at XXXX Hospital XXXX XXXX, I never received the bill but did received all other bills. My credit is perfect and I would not let my credit get ruined for XXXX . I never received such bill nor tried calling me since my number is at the Hospital records and has not changed for the last 10 years.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently had a closed account with XXXX XXXX XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to XXXX. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX XXXX XXXX ) Section ( 609 ) of  the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. 

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score.

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect  consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

This company ( XXXX ) is representing XXXX XXXX schools and is using multiple collection agencies claiming that I have a bill under my name and I have never attended XXXX XXXX!!! They can not charge for services not given, there are many complaints against XXXX XXXX, this agency and XXXX XXXX XXXX.