Johnade/consumer_complaints_cfpb huggingface dataset:
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 Account Name XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I AM NOT A LAWYER. I AM A XXXX XXXX. I believe I was misled about the hard copy information ( consent to judgment/ rule 11 ) they send to myself concerning the debt. Please see attached. This is a follow up to complaint numbers XXXX and XXXX. At the time I filed my original complaint, I was unable to attach the following call logs to prove I had communications with XXXX XXXX XXXX on XX/XX/2018. I spoke with XXXX on the previous days as well. Somewhere on or the day before is where I heard him make his questionable statement. I believe it was on XX/XX/2018. It could have been the day before. I am unsure If the women on the phone told me that I need/ must sign it ( rule 11 and consent to judgment ) before she told if not I would/will be taken to court. Please investigate. What she said seems/feels threatening to me. What XXXX XXXX said about the consent to judgment form seems/feels very much misleading. Please double check our last communications. Both representatives of XXXX XXXX   XXXX have raised ethical questions and concerns to me creating a very real feeling of oppression with mental pressure and distress. I am attaching my XXXX as proof that I am a veteran. Please keep from sharing from XXXX XXXX XXXX if possible. I also want to state that I will hold up my end of the settlement agreement faxed on XX/XX/2018 unless otherwise offered an alternative. I will not agree nor will I sign the consent to judgment or rule 11 that  was dated the next day on XX/XX/2018.
Complaint sub-issue: Old information reappears or never goes away

Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the Equifax report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my Equifax credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my Equifax report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. 

Since the bankruptcy trustee began making additional payments to XXXX around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to Equifax. Since being removed from Equifax, the collection status information has re-posted to Equifax three times during the first week of the past three months. XXXX advised me to dispute with Equifax ( copy of email attached ). I have disputed with Equifax previously with no success -- only XXXX can update my report. If my Equifax report continues to show unlawful information for my XXXX XXXX   account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX has placed a collection account on my XXXX, XXXX and XXXX credit bureaus.It is  account number XXXX. 
They say the original creditor is XXXX.I .have never ordered a XXXX card, never charged on a XXXX account, ever ; the account was opened fraudulently.It is impossible to debt validate because they have no record of me or my signature ordering anything, yet within 24 hours of an XXXX   dispute, XXXX XXXX verified and XXXX won't allow another dispute saying it's frivolous The damaging account must be removed immediately from my bureau reports. 
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Complaint sub-issue: Their investigation did not fix an error on your report

I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, 4681 charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On my Visa statement ending XX/XX/2019 through US Bank there were several fraudulent charges. I contacted the bank and they reversed all of the charges except one. That being transaction reference number XXXX on XX/XX/2019 in the amount of {$1000.00} for a round trip flight to XXXX from New York. I did not fly to XXXX or any where and can not leave the country as I do not have a valid passport. Further attempts to get this charge reversed have been ignored.
Complaint sub-issue: Account information incorrect

In XXXX, we obtained a loan in the approximate amount of {$260000.00} through XXXX XXXX XXXX secured by our principal residence at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. From loan inception until sometime in XXXX, the loan was serviced by XXXX XXXX. We set up auto-pay through XXXX XXXX XXXXXXXX paying : {$2200.00} ( principal and interest of {$170000.00}, plus {$500.00} additional principal ), then in XXXX, {$2500.00} ( principal and interest of {$170000.00}, plus {$700.00} additional principal ), then in XX/XX/XXXX, {$3000.00} ( principal and interest of {$170000.00}, plus {$1200.00} additional principal ). 

In XXXX, XXXX took over as the loan servicer. Instead of applying the additional as principal pay-down, XXXX applied the additional principal payments towards future loan payments due. In XX/XX/XXXX, I noted the next payment was not due until XX/XX/XXXX. I immediately contacted XXXX explained the situation and was assured it would be handled. Email dated XX/XX/XXXX from XXXX attached. 

Unfortunately, it was not handled. XXXX did not auto pay itself for XXXX. 

XXXX XXXX has a credit score service that allows members to check your credit scores periodically. Our credit score went from XXXX in XXXX and XXXX in XXXX to XXXX in XXXX. It has taken us our entire working lives to build a credit score of XXXX. According to the credit report, there is only one reason for the credit score to a fallen XXXX points. 

I have contacted XXXX on two occasions. On each occasion the XXXX representative acknowledged the error and advise that it would correct the information to the credit reporting agencies. XXXX has done nothing in terms of submitting any information to the credit reporting agencies.
Complaint sub-issue: Problem getting your free annual credit report

In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score. I then called the three Credit bureaus, XXXX, Equifax, and XXXX to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX XXXX XXXX. XXXX  XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On or around XX/XX/XXXX, I spoke to a representative at Mechanics bank and we came up with a payment plan. Long story short they did not honor that plan because they said it was " ineligible '' a few days later AFTER I planned my finances around that plan. Now I got a hit on my credit that dropped my score XXXX points because they refused to honor their own plan.
Complaint sub-issue: Debt is not yours

Equifax has been placing negative items on my credit report and it's making my score go down. I've tried contacting them to let them know that those negative items are not mine and they refuse to remove them. I was denied a house loan because Equifax is reporting false late payments from these accounts that are not mine. I called both companies which are World finance and Security finance to find out more information about these false credit lines and neither company can find me in their system. They are not able to find me with my social security number, name, date of birth or address. I've informed Equifax and still, they have refused to remove them. I asked them if they sent the dispute to both companies and a gentleman told me that they had sent out a dispute on XX/XX/2021. I called both companies to verify if what the gentleman told me was true, unfortunately both representatives from both world and security finance told me that information was incorrect. I called back on XX/XX/XXXX, XXXX and XXXX and still neither company hadn't received a dispute from Equifax. I want more information on seeking legal reparations from Equifax for the harm they have caused me.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citi Bank sent me an offer in the mail received today XX/XX/18 for a new AA Platinum Select Card with  XXXX bonus miles after spending requirement. I read it carefully and there was no mention of a previous account exclusion to the offer. Having been fooled by such an offer before, I called Citi Bank to verify my eligibility for the offer they sent. After being transferred around to different departments, I was told that I am not eligible for the bonus miles offered in the mailer. 

This is a fraudulent practice clearly designed to XXXX consumers into applying for a new credit account and spending a lot of money on their card, only to be denied the reward offered with no warning.
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the creditors ( XXXX XXXX XXXX XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX L Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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: Account information incorrect

my XXXX account it reporting incorrectly. 
my card balance should show as {$730.00}
Complaint sub-issue: Investigation took more than 30 days

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., XXXX. XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Complaint sub-issue: Company closed your account

In XXXX, Requested a replacement card so that I could set up my online account. The company associate closed my account instead. I never received a replacement card and stopped receiving billing statements. So I have absolutely no visibility into the account. I would call and was told that I couldnt pay the bill because the account was closed due to Fraud. Never reported fraud or that it was stolen. I also was told that I couldnt get a replacement card which was my initial request. So now I still cant pay my bill because of their error. They reported it to the credit bureau and saying that the only way I can pay is through collections. I was also told by their fraud manager that there was a system glitch on their in. So Im being negatively impacted because of a company error.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never gave my consent to anyone to run my credit
Complaint sub-issue: Account status incorrect

A federal student loan was taken out in my name to cover tuition expenses when records show that I was covered under the post 911 GI Bill. The loan appeared on my credit report. The loan was fraudulent
Complaint sub-issue: Their investigation did not fix an error on your report

After several attempts of disputing this fraudulent activity on my consumer report and asking these items be removed due to identity theft after sending in several ftc forms thru the credit bureaus and they respond and say this alleged debt is accurate and I am the original creditor i can only verify debt as true based on 15 USC 1692c i am invoking my specified remedy as the consumer and original creditor I am demanding all late, negative and all fraudulent activity be removed to correct my consumer report!!!!
Complaint sub-issue: Problem getting report or credit score

I asked Equifax Of my payment history dating from now until 2007 for creditor XXXX and Equifax or XXXX can not provide me with my payment history dating back to 2007 the beginning of my loan
Complaint sub-issue: Didn't receive enough information to verify debt

Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 

AES has not furnished any proof that I executed a contract from the original lender. 

AES is not permitted to collect in NC and will not furnish its permit number as enforced by NC Law to do so on ALL written documentation.
Complaint sub-issue: Information belongs to someone else

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Trouble with how payments are handled

In XX/XX/1997, I graduated with my student loan debt being XXXX. I recall correctly, I consolidated from both my community college and XXXX year college to accumulate that amount. At the time, the interest rates were near XXXX %. I was never able to re-consolidate again to lower the rate, I was told. I paid it faithfully. Then, I married and started a family, in which I ended up staying home to raise. I chose that because I was a XXXX school teacher and did not get paid enough to afford day care. My husband was in a union apprenticeship that happen to come with some really bad times. In turn, I had to defer my loan numerous years because we could not afford to pay it. We, at times, were on state assistance too. Because of the deferment, now the loan has gotten so high that I can not afford to even pay the interest. I do not know how to handle this. I am back to work, but only make XXXX a year as a XXXX school teacher, and my loan has accurred so much interest that I can not even afford to pay it. It 's very upsetting to me that when you file an financial hardship, the interest still accures, how does that help. I have accured more interest than the amount of the loan. Something has to be done with student loans in this country. It 's not like I just ignored the payments. I contact Great Lakes, for help and they just consistently told me to defer it because of my financial situation. Now, look where it 's gotten me! I am so irritated. XXXX years later, no help from Great Lakes when I needed it and now a loan almost 3 times the amount I borrowed. I have no idea how to handle this.
Complaint sub-issue: Problem with fees

I have contacted CITI CARDS customer services and paid the balance due and closed this account to the best of my knowledge, yet received a statement reflecting a balance due along with additional late fees on a {$30.00} charge I understood was paid at the time I closed this account. They agree that I closed the account but my payment balance at the time of closing was past due and now I have received two late fees on the account of this.I feel that at the time I closed this and paid that {$30.00} charge everything was complete and all was in good standing and I was free and clear and this card account was closed! I feel an adjustment is in order and I owe them nothing in late fees what so ever! 
Sincerely, XXXX XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX 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 to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i 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 are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

There are many unverified inquiries appear on my report without my permission
Complaint sub-issue: Other problem getting your report or credit score

Equifax continues to deny me access to my credit report for over one year. I have mailed them certified letters with drivers license showing my name and proof of address, and additionally I have faxed and mailed this information along with utility bills. They took months to mail me my first report after several faxes. I sent all letters certified mail and faxes too. I have recently began accessing my report online weekly via XXXX XXXX XXXX. Now they say I should call and do not allow me access to my report online. I was able to access last week, I filed a complaint. But today, XX/XX/2022, they deny me again. I recorded the phone conversation, they do not allow me to verify and their auto attendant does not let me talk to a person. They say I need to mail verification again. For over two years I have repeatedly verified my identity with them. This is in violation of my consumer rights to access my report and verify its accuracy. It appears they may be willfully withholding my report from me because I have filed complaints against them. Therefore I will verify my identity and correspondence through the CFPB only from this point forward.