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

their is a collection on my report from IC System stating I owe an XXXX XXXX. I mailed them directly disputing this in which they never responded and never reported the account being in dispute. The letter stated I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Complaint sub-issue: Trouble with how payments are being handled

I received a letter in early XX/XX/XXXXfrom Discover saying they had recalculated my loan terms. Before this letter, on loan ending in XXXX, I had 118 months of payments left, and the monthly payment amount was {$140.00}. With no prompting or reason whatsoever, Discover changed my repayment term on this loan to 22 months, increasing my monthly payment to {$650.00}. Additionally, Discover increased my interest rates on all of my loans ( from 4.5 % on two of them to 4.75 % and from 4.0 % on the other two to 4.25 % ). I have never been a single day late on a payment and did not request that any changes be made to my account. This letter came out of nowhere. I called Discover on XX/XX/XXXX, and was placed on hold for a total of about 25 minutes while the agent claimed she was trying to figure out what happened. Ultimately, she said she would call me back. She called back later and left a voicemail which I returned immediately, only to be unable to reach the original agent. I was again placed on hold for a total of about 20-25 minutes, and the agent ultimately told me the problem had to be sent to " another department '' and said she would call me back XX/XX/XXXX at around XXXX MST. She never called me back. 

I also sent a message through my secure messaging center with Discover, only to receive a non-response which basically cut and pasted what was written in the letter which increased my monthly payment on loan XXXX from {$140.00} per month to {$650.00} per month, and increased all of my interest rates. My master promissory note ties my interest rates to the prime rate, and the prime rate has not changed since XX/XX/XXXX. After the XX/XX/XXXX rate change, Discover promptly increased my interest rates on my accounts, so the XX/XX/XXXX rate change was already reflected in my account when they again increased my interest rates in XX/XX/XXXX. I asked Discover why my interest rates were changed and they claimed it was because of a change in the prime index rate effective XX/XX/XXXX. There was no change in the index rate in XX/XX/XXXX. Their statement that the prime rate increased was a flat lie. 

Additionally, last summer, I accidentally made two payments instead of one, and asked for a refund of one payment. Discover misallocated the payment they did not reverse, and it took 3 months for Discover to fix the problem -- and they never reverted my interest rates to the original rate. I believe they did not apply as much as they should have to principal over that time frame, collected too much in interest, and increased my interest rates in violation of the master promissory note. 

My account has always been kept in good standing, and I did not request or otherwise do anything that should have prompted a change in my repayment term or an increase in the interest rates on my loans. I believe Discover has engaged in fraudulent activity on my account in an attempt to collect more money than is due in interest charges, and to collect far more than is presently due by accelerating the repayment term in violation of the master promissory note.
Complaint sub-issue: Personal information incorrect

Equifax Personal Solutions ( https : //facta.equifax.com ) does not have my current name listed correctly. My current name is listed within the " Formerly known as '' section rather than in the " Name '' section.
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, has violated my rights XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXXXXXX XXXX # XXXX ... .has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX  # XXXX ... has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section2 : 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: Account status

a leasing agreement was opened under my social security and name with XXXX in XXXX. XXXX payment was made and the account was considered abandoned. They continue to report that this account is " open '' on my credit report when the account should have been sent to collections and closed after all these years. I want the account sent to collections and closed. No payment has been made since XXXX
Complaint sub-issue: Debt is not yours

I cancelled my service with XXXX XXXX XXXX because I was moving, and had my internet, phone services bundled with another company. Payment to XXXX prior to cancellation was through bank drafts. XXXX continued to draft after cancellation. The bank told me the only way to get my money back from the draft was to file a fraud report with them, which I did. The bank repaid the money taken out of my account. 

XXXX continued to try to collect. I wrote a letter after threats from them. XXXX sold the account to some other collection agency, who called constantly to collect, even offering to reduce the amount I owed. Wrote letters to that collection agency. Another company continued to call for a while, each time I explained the circumstances. 

However I see there is a {$50.00} unpaid amount on my credit report from some collection agency. 

Also, the lien from XXXX County was placed in error, and has since been removed. 

I have never lived in XXXX, N.C. Rental property of my father 's, and I had utilities activated in my name for repairs to sell.
Complaint sub-issue: Their investigation did not fix an error on your report

In regards to a mixed credit file. I have a twin brother and our reports were mixed up quite some time ago and the issue has not even remotely been solved. In fact, Equifax is the ONLY bureau continuing to mix our information. 

The documents requested have already been sent in, numerous times. 
On XX/XX/2022 I sent a copy of my passport and a copy of my social CERTIFIED and have receipt that it was picked up and signed for. 

Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX Priority Mail 1-Day Mailed on the XXXX of XXXX and received on the XXXX of XXXX, signed for XXXX XXXX XXXX. 

Within the past month, I have called Equifax almost every day and the moment I get through, I am hung up on. Ive made it to a supervisor and also was hung up on. 

I have also requested that proof of ownership for all inaccurate accounts be sent to the address on file and that has also not happened. My file can not be located but it obviously exists since things keep being added to it.
Complaint sub-issue: Billing problem

Bought a vehicle from Carvana the experience in general was pretty incredible great service easy to use, reliable etc. 

My issue since I have had this vehicle I have had the brakes done 3 times tires completely changed 3 times rotors completely replaced I have replaced the batteries twice and the vehicle often doesnt start using the key or push to start features resulting in massive inconveniences and hours of stress Tried to give them their vehicle back multiple times they would not take switched lenders specifically because of it but basically a $ XXXX lemon
Complaint sub-issue: Didn't receive enough information to verify debt

I have repeatedly requested validation of a debt that is being reported on my credit report by XXXX XXXX XXXX. They have only sent print outs of statements that dont even have my full name or signature on them. They state XXXX is the creditor but they dont provide copies of ANY contracts : a contract with my signature on it with either party, and no contract that shows XXXX XXXX owns this debt and they have authority to collect anything. They stated they have fulfilled my verification request. Per the FTC, print outs of statements are not validation of a debt and do not stand up in court.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting XXXX 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 customer Reporting agency cannfurnish a account without my written instructions.
Complaint sub-issue: Problem getting your free annual credit report

The website logged me off, and would not let me continue to get my free yearly credit reports. I was able to get one from XXXX, but the other two timed out or something and would not let me finish what I was doing to receive my reports. Please advise what to do next, and how to proceed. Thank you so much.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX I tried to rent a house in XXXX XXXX. I have never had issues renting until now. On my credit report there was a car that was charged off in approximately XX/XX/XXXX saying that I now owe over {$10000.00} on. When I reached out to XXXX XXXX XXXX I was told that they have record of me co-signing for a vehicle with my ex wife. I explained to them that it wasn't possible because I was living in XXXX at the time of the purchase which was made in XXXX ( XX/XX/XXXX ). I was then told they would look into it. I was able to rent the house so I thought that the issue had gone away. I checked all 3 credit agencies and saw no derogatory remarks on them. 9 months later I am now trying to buy a house and this same issue came back up. I explained again the situation to XXXX and was then told that in their notes they were supposed to call me back 2 weeks after our initial call but someone never did. I have spent a week sending them documents showing I was not living in the area at the time and my ex wife and I were separated ( our divorce finalized in XX/XX/XXXX ). I am in the United States XXXX so I can not just up and leave whenever I please. I have even filed a report with the FTC Identify theft site and sent them a copy of the report. I have to request leave in order to go out of the state which I never did. With everything I have given them they are now investigating my case 9 months after I originally called. I need this removed from my credit immediately. I recently lost a house I wanted to buy because my loan officer will not push through until this is cleared up. Thank you for any help you can provide.
Complaint sub-issue: Debt is not mine

I recieaved a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called XXXX on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from XXXX showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from XXXX which was now over 60 days later of me entering a dispute. What XXXX sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE SUBMITTED NUMEROUS DISPUTES REGARD THIS XXXX/XXXX CHARGE OFF ACCOUNT ON MY CREDIT FILE. THIS COMPANY HAS NOT SUBMITTED ANY PROOF THIS ACCOUNT BELONGS TO ME, BUT I HAVE SUBMITTED PROOF THAT I AM A VICTIM OF IDENTITY THEFT. I HAVE SUBMITTED POLICE REPORTS WITH THIS XXXX ACCOUNT MENTIONED IN SAID POLICE REPORT THAT THIS IS A FRAUDULENT ACCOUNT. EQUIFAX HAS YET TO TELL ME WHY THIS CHARGED OFF ACCOUNT IS REMAINING ON MY CREDIT FILE. I HAVE BEEN FIGHTING THIS OVER YEAR NOW. MY POLICE REPORT IS VALID AND HAS BEEN SUBMITTED TO FDIC AND EQUIFAX. THIS COMPANY XXXX IS VIOLATING MY FCRA AND THE FCBA. THEY ARE ALSO RETALIATING AGAINST ME FOR SUBMITTING THESE DISPUTES. IT DOESN'T HURT THIS COMPANY AT ALL TO REMOVE THIS PETTY CHARGE-OFF ACCOUNT, THEY JUST WON'T REMOVE IT BECAUSE THEY ARE TRYING TO HURT ME. WHICH IS A FORM OF RETALIATION. I HAVE NEVER HEARD OF THIS COMPANY NOR HAD ANY CONTACT WITH THEM. EXCEPT TO INFORM THEM THIS ACCOUNT DOESN'T BELONG TO ME. I NEITHER HAVE NOR HAVE ANY PRODUCTS OR SERVICES FROM THIS COMPANY. IN ORDER FOR CREDIT BUREAUS TO LEAVE THIS ON MY CREDIT FILE, THEY MUST SUBMIT PROOF THAT I OPENED THIS ACCOUNT, AND THEY CAN NOT BECAUSE THIS ACCOUNT WAS OPENED ONLINE, WHICH WAS DONE BY SOMEONE WHO HAS COMMITTED IDENTITY FRAUD AGAINST MY GOOD NAME.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I sent a letter to Equifax to remove incorrect information from my credit report. I have yet to receive a response and I believe that my name, address be corrected on my report. As a result, I have a XXXX XXXX XXXX line on my report and it does not belong to me. I request that this be removed. Equifax has had ample amount of time to fix this problem and I request that Consumer Protection Bureau investigate this matter.
Complaint sub-issue: Problem with fees

I was signed up without my written or verbal consent for a discover payment protection plan since XX/XX/2008. The lady at the discover center in XXXX told me that I would have had to request this plan. She admitted it was added without my consent. This has resulted in thousands of dollars in fees I never authorized for I service I did not need or want. Discover only offered to give me back the illegal fees they charged me for the last six months with no interest. I have done research and it seems there have been thousands of victims in the past that resulted in a massive lawsuit where discover paid claims. Discoverer advertises that they are no fees for their cards and this is blatant false advertising. I would like all my payment protection plan fees refunded plus interest since XX/XX/2008. Big financial institutions can not get away with scamming people like this.
Complaint sub-issue: Problem with customer service

Around XX/XX/XXXX, I received a notification from XXXX XXXX that I had a student loan account that was reported as a delinquent. As a result of the information provided by XXXX XXXX, I was able to contact my federal student loan servicer ( Nelnet ) and let them know that I had received no prior communication from them, and was unaware that they would be servicing my federal loans. During our initial conversation, they even verified that they had my appropriate email address and phone number on file. At that time, I was notified by a Nelnet representative that I could consolidate my loans, which would bring the accounts current and that they would remove the negative report from my credit score. 
On today, XX/XX/XXXX, I applied for credit for a separate loan product with another company and received a notification that I was denied due to the delinquency still being reported on my credit report. I then called Nelnet, who informed me that the information that I was given by another one of their representatives was false. The representative I spoke to today, also initially claimed that she couldn't find in their records when someone would have told me this, which I believe to be a lie in an attempt to cover up the false information that I was given, as she later stated that I had previously spoke to four different people during the time of my initial complaint with them.
Complaint sub-issue: Account status incorrect

XXXX has re added ECMC back to my account when it was removed. It is illegal to re add an item after it has been removed. I took screen shots of this and will provide if needed
Complaint sub-issue: Investigation took more than 30 days

This is my second time dispute incorrect items in my credit report and they still have not got back to me all XXXX bureaus Ive also sent a demand to comply letter they are reporting inaccurate information which has caused me to not be able to get approved for a home loan a car loan and even business credit and business loans to further my business this is unacceptable and unlawful!!! I want these items removed now!!
Complaint sub-issue: Account information incorrect

This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise
Complaint sub-issue: Their investigation did not fix an error on your report

I have written AESXXXX several letters disputing information reporting inaccurately in my credit file and they have NOT done an investigation. If they had, they would see the errors and they should not have sent me a verified as accurate letter. I informed XXXX XXXX XXXX and XXXX as well as AESXXXX that there are two different dates for last payment. IT HAS NOT BEEN CHANGED OR UPDATED. I informed them of no account number on my XXXX report. IT HAS NOT BEEN CHANGED OR UPDATED. This was not an accurate investigation at all!!!!! AES and all the credit bureaus continue to report in accurately damaging my credit. All information must be correct on all of my credit reports according to the FCRA.
Complaint sub-issue: Information belongs to someone else

GreenSky authorized a loan in my name that I did not request or approve. They ran a hard credit check on XX/XX/2020 and authorized a {$5100.00} line of credit on XX/XX/2020. The account is still active. GreenSky has no record of my social security number attached to any accounts. They have refused to give me a written statement saying that this account isnt mine. Even after confirming that I do not have an account with them, they certified the account information with XXXX. XXXX  will not remove this account from my credit report without a written statement.
Complaint sub-issue: Talked to a third-party about your debt

I write in regard to my former Best Buy Credit Card held with Citibank. I opened the credit card on XX/XX/XXXX with XXXX XXXX  and consistently paid the credit card on-time through automatic payments. Apparently, in XXXX, XXXX sold the Best Buy Credit Card portfolio to XXXX, and then in XXXX, XXXX sold the Best Buy Credit Card Portfolio to Citibank. ( SeeCitibank Press Release from XXXX, available at XXXX XXXX XXXX ). 

The reason I mention this is because when my credit card account was transferred from XXXX XXXX to Citibank in early XXXX, the processing of the payments was shifted to a new website. But in the transition process, my automatic payments that I set up previously for my Best Buy account did not transfer over despite my belief that the automatic payments would still be made. Additionally, at the time of the transfer, I moved addresses from XXXX, NJ to XXXX, NJ. As a result, I did not receive notification that automatic payments were not being made on the accounts. Consequently, my account became 120 days delinquent. It was only when I was contacted by a debt collector over the phone that I learned that the automatic payments were being made. Worse yet, the debt collector called my grandparents telling them that I was delinquent on a debt. It was obviously an attempt to embarrass me with my family and I was appalled that Citibank would contract with a debt collector who would engage in such tactics. 

Upon learning of the mistake, I immediately made arrangements for automatic payments to be made. But for some reason, the debt collector stop collecting the automatic payments only to begin harrassing me and my family members again with calls that I was not paying my debt, when I gave them all of the information necessary for direct deposits. Even though the debt collector messed up in collecting the debt, the account went into delinquency. 

By XX/XX/XXXX, I paid off the outstanding {$2200.00} debt Citibank Debt IN FULL including any and all late fees. What frustrates me though is the entire thing was caused by a less than seemless transition from XXXX XXXX  to Citibank XXXX which I did not consent to ), and by the harrassment of the debt collectors. The negative information has remained on my credit report for over six years now, even though it has been over four years since I paid the outstanding balance in full. Moreover, Citibank has not reported any new credit information on the account since XXXX of XXXX. Quite frankly it is outrageous that Citibank engaged a debt collector that engage
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX  # XXXX, Account # XXXX,, Account # XXXX  XXXX XXXX, Account # XXXX XXXX # XXXX, Account # XXXX XXXX XXXX inaccurate, not verified, Account # XXXX XXXX XXXX  # XXXX, Account # XXXXXXXX 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 an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the fair credit reporting act XXXX account # XXXX has violated my right 15 U.S.C 1681 section 602 A states i have rhe right for privacy 15 U.S.C 1681 604 section A section 2 ; it also states a consumer reporting agency can not furnish account without my written instruction