Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I received a Company 's Response in regard an existing problem with a 30 day late reporting to all Credit Bureau ( XXXX  ). 

Company response states I made severals payment to my account and they were returned due to an stop payment from my Bank end. After realizing my account balance was too high since all payment were returned and there was an Stop Payment I decided to work with a Consolidator. Company states my account was under " Working with Consolidator '' status but also stated they don't work with consolidators. So, why was my account under " Working with consolidator '' status? It only make sense to keep account as current till a payment is made NOT putting it under certain status and stop me from making payments to it. 

Company states it was my responsibility to make a payment before XXXX the XXXX, even tho my account was taken under " Working with Consolidator Status '' on XX/XX/XXXX. How am I gon na be able to know my account was accepting payments on XXXX the XXXX? Company also FAILED to mention I tried to make a payment over the phone on XX/XX/XXXX when I called costumer service and was advised of such rejection to work with consolidator. I asked the representative to take the minimum due payment of {$120.00} and she told me she couldn't take it until the account were taken under such status. 

My intentions were pretty clear, Please accept my payment or wait until I'm able to notarized the letter so you can accept payments. Discover Bank FAILED again to do so by not getting back to me that same day the account was back to normal and as result a 30 days past due was added to my credit report. 

I kindly ask the company to correct the error or I'll be looking legal advice as I'm working with Attorney General XXXX XXXX from the State of California Department and Justice. 

Previous Company Response Attached.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I did not apply for some mortgage products or credit line from these accounts..I sent a letter to Equifax hoping they will help me out but they never did..CFPB please step up and remove the accounts XXXX ( Original Creditor : XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am in the process of purchasing a property. While reviewing my credit I noticed things on my report that are not mine. Please delete it as soon as possible so that t I can move forward in my process. I've contacted you all before and this remains on my report : XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

According to the law 15 U.S.C 1681 ( i ) & 15 U.S.C 1681 ( b ) & the Gramm-Leach-Bliley Act, I XXXX XXXX, did not given my written consent to furnish this data on my credit report. 

The following Inquiries are in violation of the FCRA and FDCPA. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax 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 Equifax 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 tried to disput info from my eqiifax report. All the other companies fixed it no problem. Not only did they not fix it they deleted all my good credit, current and past. 17 years worth. I olve over the phone. Called them 9 times. Takes 40 minutes to get a human on the phone. They say I requested it I ask for supervisor and wait another 20 minutes. They repeat the first guy. I finally get one supervisor that admits I did n't do it but they wont fix it. I have to call creditors which I do. They wont call Equifax like Equifax guy said. Not how its done. So again I call and I wait, Go through whole thing again and they keep transferring me to nowhere, Or the ohone just loops from one recording to another. I call until they close, They refuse to return my imformation they deleted. Cost me over XXXX pts on my score. Now XXXX XXXX has returned the derogatory marks back to my report where the had removed them. No notice or reason why.
Complaint sub-issue: Account information incorrect

account information inaccurate which in is violation in FCRA 609 XXXX : account XXXX XXXX XXXX date opened XX/XX/2016 union reports that i was 30 days late XX/XX/2016 i was never late with a payment. 
XXXX : reports that i was current with payment XX/XX/2016 this is factual and inaccurate account needs be be removed/delete because of factual inaccuracies
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A states that I have the rights 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: Investigation took more than 30 days

I have been disputing my credit with XXXX, Equifax, and XXXX. i have sent certified letters they have not responded in over 90 days time. i have certified receipts of delivery status and there have been zero effort in correspondence and by law you have 30 days to respond which has been violated. Please see the following Tracking ID for certified proof of delivery. XXXX ; XXXX ; XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
Complaint sub-issue: Reporting company used your report improperly

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

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

15 USC 1681 Section 604 A Action 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open/closed end consumer credit plan as late for any purpose.
Complaint sub-issue: Didn't receive enough information to verify debt

Disputed with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from EQUIFAX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account XXXX/XXXX in the amount of {$330.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail EQUIFAX is not responding to my correspondence.
Complaint sub-issue: Card was charged for something you did not purchase with the card

This is additional information for Discover Card. For 4 years I have been claiming theft and fraud of the Discover Card. The card was stolen and fraudulently used. Attached is my XX/XX/XXXX XXXX 's report listing XXXX XXXX as the thief. Also attached is XX/XX/XXXX XXXX XXXX XXXX and XXXX Conviction for credit card abuse. The conviction was one of my cards as referenced in documents. Also attached is her XXXX Mississippi arrest for false pretenses, forgery, credit card abuse. This should be important to Discover. It reflects how she had impersonated her own father and how she manipulates. She was even writing large hot checks to buy cars. She has to have a XXXX loose and is a mean twisted person. I am also attaching a my fraud report on a dealership. XXXX XXXX convinced them to pull my credit report without permission to check me out and then forged an application and purchase.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XXXX XXXX I received a text alert regarding purchases made on my ADP/Wisley bank card I did not make. I immediately called my bank and informed them of the fraudulent charges. There was XXXX in total. XXXX of the XXXX charges were resolved. However, the other XXXX were not. The bank ( ADP/wisely ) concluded they were not fraudulent. All XXXX charges were made the same day within an hour or so of each other. The fraudulent charges were made with a company name of XXXX XXXX XXXX XXXX the description on my bank account is XXXX XXXX XXXXXXXX XXXX for the amounts of {$100.00} and another charge same description for the amount of {$76.00}. 
My case number with my Wisley bank is. 
XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Complaint sub-issue: Debt is not yours

In XXXX call for me to parents landline phone, told mom, needed to talk to me about debt owed on XXXX credit card, took name and number, I returned call after work.spoke to XXXX XXXX. 
4 and some dollars charged between XXXX on a credit card in my name, a XXXX card. 
Explained was fraud, actually I thought he was a scammer because he kept asking for my Social security number. I told him to send all evidence he had and charges, where account was open so I could file identity theft and he agreed. Couple months later knew was scam because nothing ever came to address He had and where I still reside. 

1 year later, I get a letter from debt collector, to call XXXX XXXX, again XXXX, call, am told he is not available, give them information from letter and Im told that account was paid in full in XX/XX/XXXX, made no sense but ok, because I knew wasnt my account. Days later I received another letter from same debt collector saying still owed XXXX, 30 days to dispute Mailed dispute on XX/XX/XXXX- calls kept coming to my parents-from XXXX XXXX on this debt, not me on my cell.and to date calling continuously 7 days a week Sent for my 3 credit reports, Bureaus inc reported on all 3, and I had been trying to consolidate student loan debt ; was being denied, knew I owed nothing but student loans, Middle of XXXX received another dispute letter from debt collection agency Bureaus investment group ( Bureaus inc. LLC ) XXXX XXXX, called first spoke with a XXXX, then her Manager, again told me very sorry I hadnt received my dispute packet with all the documentation I requested, didnt know where it could be, had kept a copy with address sent to, and mailed correct. 

Wrote dispute letter number 2, and included dispute 1, also reminded the manager our phone calls were all recorded and I dont know what there doing, but I am not paying someone elses account, or identity theft and fraud on me. Mailed second letter out certified mail and with tracking, date mailed XX/XX/XXXX As of middle of XXXX harassing phone call still continue, I HAVE NOT AGAIN RECEIVED ALL DOCUMENTATION REQUESTED SINCE XX/XX/XXXX, again XXXX, and again XXXX, spoke with A employee named XXXX, He said mailed out XXXX XXXX. I called Collection Agency again on XX/XX/XXXX, spoke again to XXXX about No information received, I let him know I need this off all my credit reports, Im doing everything I can and more, and again 3 months been waiting for all documentation requested. 

Received packet on XX/XX/XXXX, One, ( 1 ) piece of paper a note dated XX/XX/XXXX on XXXX letterhead sent? to a residence where I lived over 3 years ago. And forms to fill out for fraud/ identity theft, Yes yes yes thats it, no type of documents, as I write this back to back calls come in from there debt collectors Have all my information ready including all documentation needed, will be mailing on XX/XX/XXXX Certified to debt collection agency, and all 3 Credit Bureaus Investigate, and remove from my credit reports, Im drowning in student debt interest, and This XXXX fraud account has to be corrected and removed.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESSES : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX EMPLOYERS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX COLLECTIONS : 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 EQUIFAX EMPLOYER XXXX XXXX XXXX ADDRESSES 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 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: Debt is not yours

call from phone number XXXX and present they are ERC debt collector, They call my XXXX  and i told them this is a business and they hangup, keep calling back couple times. XXXX is my business XXXX
Complaint sub-issue: Overdrafts and overdraft fees

PNC accepted a {$2.00} charge and charged me {$36.00} overdraft fee 5 days later even though a cash deposit was made, they will not refund this. I have been trying to close this account and forgot to unlink one past account. PNC is not assisting in allowing me to close the account either. This is very dangerous territory to be scamming customers in. PNC is constantly trying to scam its customers and they should be in jail.
Complaint sub-issue: Charged too much interest

Senior on fix income being charged to much interest, were it keep you paying longer, trying to pay credit card off ...
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX VA XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Account status incorrect

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX These are the accounts that I have sent out letters to to the bureau to correct the situation and I have gotten back updated letters when it is inaccurate information on my account as well as fraud. ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX, TX, XXXX payment never late fcra violatons : XXXX XXXX {$12000.00} Closed 1 late payment XXXX XXXX XXXX  {$3000.00} Closed 2 late payments XXXX XXXX {$12000.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$12000.00} {$15000.00}
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX received my FTC letters online XXXX XXXX. They also received my letters by certified mail XX/XX/2022. They have yet to reach out and address my concerns. This is deformation of character and it makes it hard for me to elevate in my life.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. DISCOVER FINANCIAL SER Inquired on XX/XX/XXXX, XXXX/XXXX Inquired on XX/XX/XXXX, XXXX XXXX DUAL CARD Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies 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.
Complaint sub-issue: Problem during payment process

on XX/XX/2020 Citibank Credit cards charged me {$1100.00} on my credit card as the minimum monthly payment. The minimum payment had consistently been around {$200.00}, but they took over {$1100.00} and caused my checking account to be overdrawn and charged overdraft fees of {$220.00} so far. When I called the Citibank they said that there was nothing they could do because the money had already been taken out of my bank account and applied to my credit card balance. To have this happen at the time of the coronavirus outbreak when I am experiencing reduced income is unfair. At this point I am unable to buy necesseties as my bank account has now has a negative balance.
Complaint sub-issue: Information belongs to someone else

PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
XXXX XXXX THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO XXXX AND XXXX. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting
Complaint sub-issue: Debt is not yours

For several months we have been receiving letters from AFNI stating we owe XXXX {$6300.00} but they are willing to settle for {$3100.00}. I have never had an account with sprint and there is nothing on my credit report related to unpaid XXXX bills. If I have in fact been turned over to a collections agency for a legitimate balance due I would expect to see that delinquency history on my credit report. I have notified this company this is not my debt. I refused to give my SS # because I believe this to be a scdam.