Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Trouble with how payments are handled

For the second time in the past XXXX months, American Education Services XXXX AES ) has sent my student loan to a collection agency, XXXX XXXX. In XXXX instances, I have received the collections notice and my current AES statement showing a current balance within the same week. The loan AES is currently servicing was originated and previously serviced by XXXX. Under XXXX, I always had a monthly auto-payment to issue payment at the end of every month. When AES took over the loan, I updated my auto-payment and continued issuing monthly payments as I have been for years. Since AES has taken the loan over from XXXX of 2015, my account has been sent to XXXX XXXX for collections twice. This is extremely frustrating because I need to write disputes every time this occurs to ensure I contest the debt to prevent any negative impact to my credit score. Given the fact the collection letter and my account statement ( showing my balance is current ) come the same week, it appears as though AES is preying on its customers. If customers do n't react, they could have very damaging and unwarranted impact to the customer 's credit. I have been making my monthly auto-payments for over four years, and it 's only been issue since AES took over the loan. Something needs to be done about this because this is downright harassment.
Complaint sub-issue: Other problem getting your report or credit score

RECENTLY APPLIED FOR AUTO INSURANCE WITH XXXX XXXX AND WAS INFORMED THAT XXXX AND XXXX HAVE PLACED A SECURITY FREEZE ON MY CREDIT FILES WITHOUT PERMISSION SINCE XX/XX/2015, THEY ARE TRYING TO COVER UP FROM SECURITY BREACHES OF THE PAST! THEY BOTH ARE AWARE OF BREAKING THE F.C.R.A. U.S.C. 15 Section 1681g and the DODD FRANK ACT.
Complaint sub-issue: Not given enough info to verify debt

I am an XXXX. I tried to rent a place 2 years ago, close to the University XXXX. At that time I had never been in campus, so I asked the receptionst for advise about how close was the apartment complex to the XXXX of the University XXXX. They said that they were XXXX min. walking to the XXXX. 
They immediately they asked for my information, my social security number, etc ... and sent me the contract to fill it outt. I never signed the contract in their offices. 

I never did it, because when I arrived to XXXX XXXX Michigan and discovered they did lie to me, I asked to cancel the contract and they did it by word. The manager told me that they were so sorry and that they understood that they were not that close to the university. 

Everything went well, they have my email address. 
They never contacted me again. On XXXX XXXX, I received a letter from ProCollect with a debt of XXXX dls. 

I do not recognize this debt because I never lived in XXXX XXXX, and I never signed a contract in person in their office. 

Now this is affecting my credit score. I have't had any problems with my credit scores before, I always pay my debts when I know I owe money but they never tried to contact me during this 2 years and now they are just affecting me. 

The manager at that time told me that I was fine. I do not have any other documents from them telling me that I owe money. 

So I do not recognize this debt, since the manager canceled it.
Complaint sub-issue: Problem with a trade-in

I traded my vehicle in to carvana. That vehicle had low miles and NO ISSUES whatsoever. The vehicle I received in return has had SECERAL ISSUES that I made carvana aware of. I got the vehicle in XXXX of XXXX and it had XXXX miles on it. Today, XX/XX/XXXX it has XXXX miles on it because I haven't been able to drive it the majority of the time I've had it. It has been in and out of the repair shop. When I tried to add the carvana care ( extended warranty ) it did not give me the option... which I would also like to note that the vehicle that I was trading into did not offer it either. The previous repairs were covered under their XXXX XXXX XXXX  warranty and the vehicle was put into the shop on the very last day of that warranty. Fast forward to present, a supervisor named XXXX approved me to trade the vehicle in buy when the new vehicle was to be delivered, they refused. The field rep named XXXX told me that my best bet was to do a voluntary repossession. I told her that would ruin my credit and she shrugged her shoulders and proceeded to drive away.
Complaint sub-issue: Problem during payment process

I made a payment to CITI of {$30.00} on XX/XX/2019 and another of {$50.00} on XX/XX/2019 and was never given credit for them. I provided my bank statement and also the tracer numbers from my XXXX account 3 times and they still say they did not receive it. They then told me they sent the {$80.00} back to my bank, but there is no record of that happening. I have closed the account and still get late fees and the {$80.00} added to my statement.
Complaint sub-issue: Problem with paying off the loan

Equifax is showing 90 days late with XXXX XXXX. My car was totaled and had GAP coverage. The GAP insurance short paid XXXX, through no fault of my own. They are now chasing me for the money owed by XXXX, which I think is illegal. Now my credit is ruined because of there nefarious actions.
Complaint sub-issue: Debt was result of identity theft

Citi refuses to abide the laws under the Fair Credit Billing Act section 103 ( f ) of the Truth in Lending Act ( 15 U.S.C. 1602 ( f ). They have sent mailed responses assuming that I am responsible for debts that were a result of fraud. They have received police report numbers and fraud claim affidavits detailing the cards were not in possessions and my cards and house including personal property were overtaken during a period of time by criminals. 

Citi failed to honor the zero liability policy for fraud and assumed me for the responsibility which is false.
Complaint sub-issue: Reporting company used your report improperly

I have asked the credit bureaus to do a thorough investigation of accounts on my credit report that have been reported inaccurately. I have not received any verification or the information that I ask for in which would allow them to provide and report the information they have listed. 

They sent correspondence back saying that those accounts have been verified. How were they accounts verified and the information is still being reported inaccurately. The accounts that have been continuously being reported inaccurately are listed below : XXXX XXXX XXXX # XXXX - Reporting Incorrectly In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 I read that it also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please update or correct this account. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 1 XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. While traveling for business my wallet with my, drivers license, credit cards and social security card was stolen from a rental car. I filed a identity theft affidavit and police report. I sent it to Equifax 4 times. Spoke to two supervisors and faxed to one. My identification was used in an emergency room that I have never been to. 
All information was sent to the collection agency that never contacted me before having this put on my credit file. I contacted Equifax 5 times and asked for it to be deleted and blocked and I was told that it would be taken care of, however 4 days later it is still showing up on my credit file. I called and asked to speak with a supervisor on XX/XX/2019 3 times being transferred back and forward between the overseas agents and the American agents. Every time I have to call Equifax this is how I am serviced as a identity theft victim who has provided them with all documentation. I am also a victim of the Equifax breech. I remained on the line for 45 minutes while sending this waiting once again to speak to a supervisor. I contacted Equifax immediately when MYFICO sent me an alert that something had been added to my credit file on XX/XX/2019. An agent told me that on XX/XX/2019 that this collection of {$500.00} was deleted and blocked. As of today XX/XX/2019 it is still showing on MYFICO and XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

602. 15 U.S.C. 1681a ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604 15 U.S.C. 1681b ] Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

623 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. 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. 

Account name CarMax Account numberXXXX Account type Auto Loan In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have been sending uncountable letters appealing to Equifax to confirm the disputed accounts and take out them if unable to show that the accounts are mine. I have been a victim of Identity Theft and the accounts I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Equifax is guaranteed to fulfill with the FCRA regulation section 605b but regardless of all my labours to notify Equifax about the theft of my Individuality and that the accounts were never mine, Equifax never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. I came to a decision that the Credit Bureaus are not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. I am determined to take legal action against them but I will be lavish enough to give Equifax a couple more chances to verify me wrong about my conclusion.Once again, I am urging Equifax to get rid of the following accounts completely from my File with or without appropriate verification since the time set to the Credit Bureaus to examine was already done. I need the following accounts removed now! 

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

Ive tried to have fraudulent inquiries and accounts removed from my credit report with XXXX, Equifax and XXXX through customer service but they were unable to help me so, I opened disputes that never cleared this fraudulent data from my report
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern I'm reaching out because I need an issue resolved I have reached out by letter to all three credit bureaus for verification on all accounts on my reports. After receiving a response back saying all information was verified, after further research of my own I see that the incorrect information is still on my reports. I ask because my Credit reports has still been improperly handle that these account as I reported to the credit bureaus I'm unaware of the miss information and that it be deleted permanently. Thank you in advance. The following accounts of concern Jefferson capital Acct : XXXX XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX
Complaint sub-issue: Called before 8am or after 9pm

On XX/XX/XXXX WLCC DBA Arrowhead Advance attempted to contact me at XXXX XXXX and XXXX XXXX. These hours are outside the hours highlighted in the FDCPA and are considered to be inconvenient. Furthermore WLCC DBA Arrowhead Advance is well aware of my physical location in the state of Hawaii. This was provided to WLCC DBA Arrowhead Advance both on the Application as well as in a ACH revocation letter. Additionally Arrowhead Advance has my Hawaiian Drivers License Data which again support my claim that I am physically in the State of Hawaii.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

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

Accounts : XXXX XXXX XXXX XXXX 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 resulted from identity theft

Progressive Management -- Acct : XXXX This complaint is per your offices request I am sending you this formal complaint concerning and XXXX, XXXX, XXXX their business practices. 
These bureaus continue to report inaccurate information. I am formally remove this debt from my credit. 

In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name. 
It is possible that the thieves that committed the fraud. XX/XX/XXXX I filed a ID Theft Report copies were sent to XXXX major credit bureaus. I have sent the proper documentation to XXXX bureaus and the XXXX debt buyers
Complaint sub-issue: Account terms

My husband and I had a mortage on our house. We paid it off early and notes were always paid on time. Just recently I got a copy of my credit report and the mortgage was not on it. The bank was dissolved a few years ago. I contacted another bank that has taken over and many of the employees were with the original bank. They told me that it was not the policy of the original bank to turn in the credit to the credit agencies. ( What??!! ) They suggested that I get a Deed of Trust from the county office to send to the credit agency which I did. The credit agency said they do not accept anything from individuals, just institutions. On the deed of trust is the information that the maturity date of the final monthly installment was XX/XX/2023, so obviously we paid it off early. I want that to be on the credit report because it was the largest loan that we ever had. Can you help me?
Complaint sub-issue: Personal information incorrect

My card had the incorrect address on it. When I would call the company to dispute charges I did not make on the card they would tell me they could not verify my account to help me because the address was out of california, and I live in missouri and have never lived in california. I finally got someone to help and they said they saw that I had closed the card and put a lock on the account in XXXX. There are charges from XXXX on the account from XXXX. Also, they will not take my new bank account information because they dont recognize my bank in their system. Therefore, I can not verify account, I can not make payment on the account, and there are two late payments being reported on the account that are not correct. This account is a mess and I can not get any assistance from customer service. One woman I talked to was extremely aggressive and insisted that even though I was able to verify my phone number, my real address, my social security number and birthdate, she would still not discuss or help me with my account because of the incorrect address and because I did not call from my own phone number that they have on file. This has been a nightmare. Also, I have given them permission for my wife to talk to them because I am frequently out of town. They refuse to add my wife to the account.
Complaint sub-issue: Attempted to collect wrong amount

ERC contacted me regarding a debt owed to XXXX credit card by XXXX XXXX. 
The amount was full of fees and other collection charges. We agreed on a amount to settle the account and agreed they would mark the account as closed on my credit. They sent a Written notification and I responded back with a check in the amount and the notification that cashing the check adheres to the agreement to my credit. XXXX cashed the check and then now reported as major derogatory/ charge off. I would have been better off not accepting the offer of full Settlement. ERC, XXXX, and XXXX XXXX have violated the agreement. 
See attached documents
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act Account name ( XXXX  XXXX ) account # XXXX has violated my rights. 

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

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

The Attorney General of the State of Ohio sent expungement letters to Equifax requesting they remove XXXX liens which were on my report. I sent a certified letter to Equifax requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.
Complaint sub-issue: Problem with product or service terms changing

I have account with Credit Karma and applied to a credit card through their service. I have pictures stating I had an outstanding chance to be approved. The fine print of said card said it would not hurt my credit score, ( again I took screen shot of that statement ) I applied and received email saying I was approved but then next day another email saying I was denied and asked to apply to their " partners ''. I then received an email from Credit Karma stating my score had changed and it was lower by XXXX points. I have NEVER had a credit card, but wanted to apply for one to better my score.
Complaint sub-issue: Their investigation did not fix an error on your report

Texas attorney general is reporting inaccurate information on My consumer report as the attached files prove my claim by law with this inaccurate information this should be deleted. They are reporting that I only pay {$240.00} as my evidence show I pay way over {$3000.00}
Complaint sub-issue: Can't get other flexible options for repaying your loan

I filed a complaint about this company XXXX and nothing was done about it. Their actions, fraudulant or not are the reasons why many students are in debt and unable to repay their loans because they do not provide solutions. I'm currently struggling to pay rent and other utilities while this company despite the number of complaints persists. It is amazing how this company is allowed to service federal loans and not offering solutions to resolve issues. I believe this loan taken out by my daughter, not me as I am a XXXX is a total sham maniupulated by XXXX College out in XXXX XXXX added to which my daughter left the school for health related issues long before her sophmore year began. These people do not cooperate and are not helpful in anyway or manner. They do not provide hard copy evidence or proof of the loan or supply you with physical hard copy mailings because they don't want to spend the money and purposely withhold information so they can keep the interest rates high to the point you'd have to starve yourself so they can get richer. It is a complete disgrace that they are allowed to service people who can not afford their unreasonable demands and have damaged my credit score because of it. I will not tolerate this any longer and I will file a second complaint.