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

I have a debt from   XXXX   XXXX   for {$1400.00} that was dismissed in Bankruptcy on  XX/XX/XXXX .
 XXXX  has added this debt back to my credit report every six months since  XX/XX/XXXX . I have requested removal and sent bankruptcy documents 7 times to  XXXX . They remove it and then add it back a month later. They have done this 7 times since  XX/XX/XXXX .
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it I disputed this on XX/XX/XXXX  and they added a note but did not remove it.
The balance was discharged in Bankruptcy and   XXXX    should be prosecuted for adding thi  s debt illegally back to my credit report numerous times.
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 Employer : SXXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collections : 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 have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 


XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I sent away for my free credit reports from all credit reporting agencies at the same time. I received XXXX XXXX and XXXX  sometime in early XX/XX/XXXX. Equifax sent a letter demanding further information that included social security # current address. The letter stated they could not locate a credit file in their database. I have requested my free credit report every year since about XXXX. Further more I have a credit freeze with all the bureaus. Another point was my information was accessed when Equifax was hacked in XXXX. I filed a claim and have my claim #. 

I have always had problems with this Bureau. In a previous request they refused to send the report but I was able to resolve the issue without submitting any further information. Their lack of information should have impacted my request in prior years.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent XXXX XXXX XXXX a debt validation request asking for complete documentation to verify that I owed the alleged debt and had a legal obligation to pay. Their response was a few pages of billing statements that contained no identifying information. My name, address, phone number, banking information, etc. was not listed on any of the documents. Furthermore, they failed to provide me with the agreement with the creditor that they are authorized to collect the alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement, proof that the Statute of Limitations has not expired, proof that they are authorized to collect the alleged debt in my state, along with license numbers and Registered Agent. These are all things I am entitled to in conformance with my rights under the Fair Debt Collection Practices Act. 

I provided XXXX XXXX XXXX 30 days from receipt of the debt validation request to provide me with the requested information.The validation request very clearly states that non-compliance with my request would be construed as an absolute waiver of all claims to enforce the alleged debt against me and all instances related to this account must be immediately deleted and completely removed from my credit file. 

The original creditor in this matter is XXXX, which apparently is a phone company. I've provided documents from my phone provider, XXXX, with whom I've been a customer for several years.
Complaint sub-issue: Other problem

Citi denied my claim for a dispute when my XXXX XXXX XXXX  when into bankruptcy. They sent a online message to ask for more information by a certain date when I provided more than enough information to process the claim. They did not contact me by phone or by mail. 

After citi denied the claim for not responding to an online message, Citi informed me to file a " Trip Cancellation & Interruption Protection '' since my flight was cancelled and would be covered under this benefit. They said they would mail me a form to fill out. 

about 2 weeks later the from arrived. I talked to another representative from citi who got an email sent to me that I could respond to and send the information in electronically. Why did the first representative misled me for 2 weeks? 

I provided all the necessary information. I got a response that it wasnt one of the 12 covered reasons so I would not get a refund, but this was clearly a " Trip Cancellation '' due to bankruptcy but i did not have " protection '' while Citi markets this as " Trip Cancellation & Interruption Protection '' Multiple times citi mislead me on what to dispute and claim. Citi " attempted '' to contact via secure message when it should have called or sent certified mail to ensure I was properly notified. Citi misrepresented its benefits by marketing a term called " Trip Cancellation & Interruption Protection '' but really only has 12 covered reasons.

Note this account is for a senior citizen over the age of XXXX. Citi bank took advantage of a senior citizen.
Complaint sub-issue: Information belongs to someone else

I'M FILING A COMPLIANT BECAUSE THERE IS AN ACCOUNT AFFECTING MY CREDIT THAT IS PART OF MY IDENTITY THEFT CASE AND EQUIFAX IS STILL SHOWING IT BUT XXXX AND XXXX REMOVED IT ALONG TIME AGO
Complaint sub-issue: Trouble with how payments are handled

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below: 

XXXX	
90 days late as of XX/XX/2016

XXXX
90 days late as of XX/XX/2016

XXXX	
90 days late as of XX/XX/2016

XXXX	
90 days late as of XX/XX/2016

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I cancelled my yearly membership with XXXX XXXX before the billing date in XXXX of XXXX. I noticed that despite cancelling that I was still charged. On XX/XX/XXXX I contacted XXXX 's customer service via text and they stated via text that my account was cancelled and that I would receive a credit for {$100.00} on my Discover card within XXXX business days. That did not happen, so I opened up a dispute case with Discover. Discover initially ruled in my favor, but sent me a message a few days ago that they had put the charge back on my card because XXXX disputed. According to Discover, I have no recourse. I have been treated unfairly by both Discover and the merchant.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX is violating the law in plain sight all while thumbing their nose at the CFPB rendering them powerless. They continue to say they've done an investigation of this Bankruptcy knowing full well the statutes which govern these investigations 15 U.S.C section 1681 was never followed. They're simply using e-OSCAR and their own internal data to keep this on my credit bureau report. The CFPB KNOWS THEY'RE not following the law in investigating this " have you spoken with neighbors, friends or coworkers, etc. ) as the statute dictates, rather allowing them to get away with these egregious acts. I went to the US Bankruptcy Court, XXXX XXXX of Texas, Clerk of the Court, XXXX XXXX 's office, they stated they neither report nor verify bankruptcies to credit bureaus. So, if Equifax says they've followed the law in investigating my complaint they're lying and the CFPB knows it, this is where the 2 % of responses to CFPB complaints comes from, then it begs is the CFPB reading consumer complaints or complicit in the lawlessness of the three major credit bureaus. How can they continue to be in violation of the Fair Credit Reporting Act without impunity? This account is unverified, and they know it. If the CFPB continues to allow consumer with no redress, where do we go to hold them accountable. It's in Equifax 's best interest to break the law and flaunt it, while I suffer, they make money off keeping this and selling it to 3rd parties, e-OSCAR is not proper validation, these companies need to be reined in or it will continue to look as if the CFPB is complicit. Make them follow the law and take this bk off my report.
Complaint sub-issue: Didn't receive notice of right to dispute

When checking my credit score in early XX/XX/XXXX I became aware that since XX/XX/XXXX a {$160.00} debt in my name had been in collection by IC System, on behalf of XXXX XXXX. I had not received any written notification of this debt collection at my current address, where I have lived for 3.5 years. 

I disputed the collection on my credit report, since it seemed to be a mistake. But when XXXX refused to dismiss the collection from my credit score, I contacted IC System today ( XXXX XXXX, XXXX ). IC System confirmed that this amount in collection is a small outstanding cable bill from my previous residence, where I have not lived since XX/XX/XXXX. Obviously I would have paid this amount if it was fairly owed and I was made aware of it. My mail was forwarded for 12 months after my move, and this is the first I have heard of a debt from XXXX XXXX. Unfortunately the damage to my credit will cost me much more than the disputed amount. 

Despite my current address being publicly available, XXXX XXXX and IC System made no attempt to contact me about the collection at my current address. Thus, for four months, I was completely unaware of the collection attempt and the negative affect it has had on my credit score. 

Surely, a debt collection agency should be required to contact individuals at their current address when it has been publicly available for many years. It should not be the responsibility of the consumer to do their work for them, and accept demerits to their credit scores in the process. 

Thank you for your help investigating this issue.
Complaint sub-issue: Debt is not yours

XX/XX/XXXX I received an email from XXXX XXXX saying I had a collection on my XXXX account. I disputed it saying " this does not belong to me. '' It says the collection is from Jefferson Capital System and the original creditor was XXXX XXXX XXXX. I am on someone else 's XXXX  plan and have been for many years. I paid my debt in full to XXXX  when I had my own account. It says this account has been open since XX/XX/XXXX and is open now. I haven't opened an account with them and this is the first I've heard about this account. XXXX XXXX said they reviewed the claim and found that this is legitimate. I don't know what to do now since I didn't open this.
Complaint sub-issue: Debt is not yours

Americollect is attempting to collect on a debt that does not belong to me. XXXX started the dispute process got collections removed from the credit bureaus due to the accounts does not belong to me never resided at the home they have listed. However I received a collection notice and the mail XX/XX/2022 sent them a debt validation letter XXXX they responded XXXX with a list of statements again that does not belong to me never have I resided at the address they listed. Therefore I am filing a complaint on a debt that is not mines and does not belong to me. Amounts that they are attempting to collect is {$33.00}, {$120.00} and {$380.00}
Complaint sub-issue: Seized or attempted to seize your property

Carmax Financial repoed my car in the middle of the night with no prior notification. I sent off full payment to them on XX/XX/2022 and they still repoed my car. This is the 2nd time that theyve violated my rights and had my property taken without any judicial involvement and without any proper notifications. 15 USC 16926 ( f ) states that Carmax has violated the law.
Complaint sub-issue: Information belongs to someone else

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. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
ALLY FINANCIAL, XXXX on XX/XX/2019. 
XXXX XXXX XXXX, Inquired on XX/XX/2019. 
XXXX XXXX XXXX XXXX, Inquired on XX/XX/2019.
Complaint sub-issue: Personal information

I 've noticed there was an address reported on my personal information which is the XXXX address which that I do n't know of because I live in XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I have received no collection notice from a company known as ACIMA CREDIT, but they have posted a collection on my XXXX credit report. I am at least entitled under the validation process of the Fair Debt Collection Practices Act to obtain a transfer notice showing signatures with the original creditor. There is not even a statement on the XXXX post of what company the indebtedness is owed to, The timeline for deletion would fall under the original creditor based upon the 7-year rule. This collection may well be beyond the legitimate timeline to even collect upon, and under the order of the office of Attorney General in the Commonwealth of Massachusetts I am entitled a notice that the collection is no longer enforceable. In the case, the collection is illegal and all references to my information must be purged from the credit bureaus as well as deleted from the internal process of ACIMA CREDIT XXXX XXXX. I demand a full validation with signed agreements to even collect a debt under FDCPA regulations.
Complaint sub-issue: Problem getting your free annual credit report

They still dont let me see or get my credit report : : : ,seems to me they dont want to fix it, unless I subscribe to monthly paid plan they offered???. I dont have any loans, or any mortgages nor do I have any car loans or payments : : : and they keep asking me this questions in order for me to sign in and print my credit report ) ) ) please help ....
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

section 1681 of the fcra governs permission given to any company to check my credit report only by signed contract not from any other source my credit has several unauthorized inquiries that are illeagally reported
Complaint sub-issue: Was not notified of investigation status or results

Equifax was been hacked in XXXX XXXX, continuing through XX/XX/XXXX, and they did n't find out until the end of XX/XX/XXXX, and then did n't notify me ( or other consumers ) that our data was likely compromised.
Complaint sub-issue: Debt was paid

In accordance with the Fair Credit Reporting act I.C System In 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: Problem with fees

I was made aware a few weeks ago that I was being charged for " debt protection '' service on my Best Buy Store card. I have at no point ever signed up for this service, nor have I ever used it. I immediately called to cancel when I found out that this was being charged to my card and that all that money was going towards nothing. They cancelled the service and submitted a request for a refund. I received a letter today denying that request, because my account " was protected by the program benefits through the end of the billing cycle in the month I cancelled '' despite the fact I have never used these " benefits nor would I ever need to. This letter also stated that I had signed up for this service in X/XX/2007, which is also untrue as I would never knowingly add extra fees to my monthly payment. Again I have never used this service. Their customer service advised me that they have no number to provide me to rectify this, or speak to the people who process these requests. They gave me a mailing address and told me they can make another request which I 'm sure will yield the same results. I would like these fees refunded to me as this is deceptive and they have gotten probably thousands from me for something I never consented to or needed. <P/>I am DEMANDING a copy of the application that they claim gave them my consent for this " debt protection service '' Their whole crux of this argument is that they have my consent from this application from 2007. I have not seen this proof of consent, without which they have no proof or consent from me to have enrolled me into this program. I have never consented and am again demanding a full refund of these fees.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX : # XXXX 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 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: Credit inquiries on your report that you don't recognize

Ive checked my credit report and notice unauthorized inquiries on my report from Discover Financial Service. I have never authorized it and that the creditor did not have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I called Discover and ask them to verify and validate and see me physical proof that I applied for this. Upon talking to the company they could see anywhere is there system bearing my name or any application. They also sent a letter to my home address verifying that I did not actual apply for credit. I called the credit bureau and I also disputed the inquiry and I with uploaded the letter that Discover provided me. XXXX told me that Discover would have to send them a correspondence stating for them to remove the inquiry.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquiries on my credit report. I am a victim of identity theft. Inquiries were added on my report without proper verification. Credit was frozen to prevent further inquiries. 

XXXX XXXX XX/XX/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 XXXXXXXX XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute for the collection of XXXX in the amount of XXXX $ about a month ago. Equifax deleted it. Now 3 days later the collection is back on my report. I have given them the proper documents signifying it is a fraudulent collection account and it still comes on my report. I tried disputing online again but they will not let me dispute without calling in on the phone. I called in on the phone and was transferred to the " Fraud '' department where I sat on hold for over XXXX XXXX. This XXXX XXXX needs to be deleted and stay off my report. I will be contacting the attorney general if Equifax can not properly resolve this fraudulent reporting on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon applying for a mortgage loan I reviewed my credit report and noticed several inquires that I did not authorize.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

on XX/XX/2021 I used cash app on my for from XXXX XXXX to send my homeless sister in law XXXX XXXX {$190.00} dollars to the username of $ XXXX per the cash app but my sister in law has sold her old cellphone that is connected to her account to another person while traveling and that person has access to her cash app account. My sister XXXX XXXX never received the funds of {$190.00} I had sent her by my cash app account with XXXX XXXX. I requested a refund by the person who now owns XXXX XXXX cellphone and he said he would not refund the funds and I have explained to cash app support for XXXX XXXX and the XXXX XXXX support said they would not refund my {$190.00} dollars at all.