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

Validate it or prove it. The bankruptcy court doesn't disclose information with the Bureaus and these bankruptcies don't show in XXXX system. I included a letter from the bankruptcy court saying they don't disclose information with the Bureaus and I also included documentation from XXXX saying these Bankruptcies aren't reporting in their system.
Complaint sub-issue: Problem with statement of dispute

I dispute a Bankruptcy Dismissed chapter XXXX asking them to provide me with the actual proof that they can report this account on my credit report file. I didnt received the actually proof. When calling in the CSR told me that they verified my item from the courthouse but I revived a letter online with the above confirmation number that they used to invesigate the dispute and it was verified by XXXX which I know is not true is because I have a security freeze on my account with the and they are not given out any information on my behalf. So I would like to know how they verfied this with the company. This item need to be removed asap
Complaint sub-issue: Problem with customer service

I called my student loan servicer Mohela on XXXX the XXXX to request a refund of some of the payments I had made during the pandemic. It took me over 2 hours to be connected to an agent, but I was told that I would be refunded in 30 days. I was told there was no receipt or confirmation email they could send me to confirm this request. I was one of the student loan recipients whose loans were transferred from XXXX XXXX to Mohela over one year ago, for context. On XXXX the XXXX, I called for an update to the situation as I had received no word or refund. I was connected to an agent after another 2 hours on the line and they stated that the loan would be reimbursed in 90 to 120 days from that call and that they were unable to help in any way with confirmation of this as my loans were not visible to them because I transferred from XXXX XXXX. The agent stated that they didn't have my records from the company after my account was supposed to be transferred over a year ago. I contacted XXXX XXXX on XXXX the XXXX and they stated that they no longer had my loans in their jurisdiction either. I am trying to get student loan forgiveness on what I paid and am being told that there is nothing either company can do to help me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Im working on myCredit and I see a couple of inquiries that I have no idea where they came from.
Complaint sub-issue: Information belongs to someone else

Since 2017, XXXX XXXX and XXXX XXXX XXXX say i owe {$23000.00} dollars when i don't. As a result i have been denied 2 mortgages. I filed 3 disputes with XXXX and equifax and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to equifax and XXXX and XXXX XXXX XXXX I have no judgements against me from anyone. 

The refuse to remove it.
Complaint sub-issue: Debt was result of identity theft

ENHANCED RECOVERY XXXX is violating my rights as a Federally Protected Consumer, the Original Creditor, XXXX XXXX and its Principal and Authorized Representative for on all accounts. I have not created any of these by my signature, As of the date of this letter you and XXXX  and XXXX have violate FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent the attached letters to XXXX, XXXX, and Equifax requesting an investigation of the erroneous accounts currently being reported on my credit report. It has been over 30 days and they have yet to provide me with the investigation results and by law if the CRA 's were not able to verify the derogatory accounts within the time allotted, the accounts must be deleted from my report. I am filing a complaint because the negative accounts are hindering me from obtaining credit and I am trying to purchase a home. The unverifiable accounts are : XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Other problem

XX/XX/XXXX at approximately XXXX XXXX  central. Discover called. My son answered. Did not identify himself. Discover asked if I was there, his answer was " are you collecting a debt? '' After they asked each other the same questions several times of each other the representative said that the bill was past due. This is a clear violation of my right per the fcra and the fdca of texas. When questioned she suddenly did not want to repeat her name. After being reminded that she had to per all the f..a acts, she would only give the one name, making it hard to identify who violated my rights. Spoke to a supervisor. Supervisor didnt know what happens typically when a complaint is filed. 

Representatives name was " XXXX '' she works in collections. And identified herself as a debt collector. 

" Sorry '' was the only resolution I recieved from discover at the time of the call. That is unacceptable after violating my rights. They should be bending over backwards to ensure that i didnt take this to the ffc, andvthe CFPB, and the oag. Because i recieved no resolution, we are here.
Complaint sub-issue: Report provided to employer without your written authorization

XX/XX/2021 I received an email from XXXX stating you recently authorized XXXX to obtain consumer reports and/or investigative consumer reports about you from Checkr, Inc. , a consumer report agency. A final decision has not been made, however the company is considering taking action in whole or in part based on information in such report ( XXXX ), including the following specific items identified in the report prepared by XXXX, XXXX : LICENSE STATUS : SUSPENDED. Now I never gave my consent for Checkr , Inc to report anything on my behalf. That is a violation of my privacy as well as my well being. Checkr , Inc did not mail me any written notice this would be taking place. Not to mention, Checkr , Inc. did not interview anyone pursuant to 15 USC 1681a ( e ) investigative consumer report. XX/XX/2021 I received another email from XXXX stating, We previously informed you that the consumer reports and/or investigative consumer reports you authorized XXXX ( XXXX XXXX ) to obtain about you contained information that could adversely affect your eligibility for engagement with XXXX  XXXX. After careful consideration, we regret to inform you that XXXX is unable to engage your services ( if you are a new candidate ) or continue to engage your services ( if you are an existing delivery partner ). This decision was based in whole or in part on information contained the consumer reports and/or investigative consumer reports obtained from Checkr, Inc. , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , CA XXXX, XXXX. '' The fact Checkr , Inc. reported to XXXX without my consent and inaccurate information, has caused me damages. XXXX fired me. My well being is suffering because Checkr , Inc. decided to provide an inaccurate report without my consent as well as not provide personal interviews with my neighbors, friends, or associates or with other whom I am acquainted with. I never got any notice this would take place. Those are all violations and I am seeking monetary relief. The damages has been done.
Complaint sub-issue: Reporting company used your report improperly

According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to XXXX  and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the XXXX, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

When I purchased my vehicle it was converted from a lease through the dealership to a loan through US Bank. At that time, they sent me paperwork to transfer the the title and a check to cover the taxes. That paperwork at that time would have moved the title holder from XXXX to US Bank. This occurred in XXXX, the entire issue started due to the DMV being shut down in California/COVID protocols ... I could not make a appointment to transfer the title as everything was exclusively being handled online and you could not make payment via the Internet with a physically check. I repeatedly called US Bank and offered different scenarios for resolution ( connect to my PC and submit payment, web address for them to direct pay, send me a check in my name and I will pay ) but each time it was denied. US Bank asked after 90 days if I was unable to secure a date in person with the DMV to send the title and check back to them, which is what I did. Fast forward to XXXX, I pay off my loan ( vehicle now legally mine ) and I call to inquire about the timing of my title, they tell me wait 10 days and it will arrive, it never does. I call back XXXX and they tell me that they lost the title and they are not sure what they are going to do, ultimately US Bank escalates it a Division of theirs call XXXX which handles these types of issues. At this point US Bank sends me paperwork that I must get notarized at my expense to move the title from the original dealer to US Bank, from there they will handle the rest ( I have the documents if needed ), so I do and send them back. I am then told that they can bi-pass all that and send me new paperwork and and a check to move it directly into my name. The issues as it stands now, the DMV has imposed late penalties because US Bank did not properly transfer the title into their possession and US Bank no longer is willing to acknowledge my emails, calls or request to address this. 
Open issues are : Vehicle purchased in XXXX- still do not have my title. 
{$650.00} difference from what the DMV is requesting and what US Bank check is. 
I am unable to register my vehicle ( due in XXXX ) as they have a lean on my car. 
I have 43 attempts at contact with US Bank, no resolution.
Complaint sub-issue: Information belongs to someone else

the following student loan is not mine, with us dept of education, i have never went to school here and let alone getting a student loans, please equifax is reporting this inaccurate account under my name, and they are not helping me to have this removed i will be attaching my documents, please help me to have this inaccurate reported from my credit file. 
appreciate
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted All ( CREDITOR BELOW ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not mine. They are not factual.
Complaint sub-issue: Account information incorrect

Between the end of XXXX and XXXX of 2022, I was approved for a line of credit of {$8000.00} through XXXX. Rather than transferring funds as needed into my existing accounts, I requested a separate credit card which the institution granted. The primary purpose of the loan was to have an active account reporting to my credit report to help increase my score. When I applied for the loan, my score was close to XXXX. Upon review of my credit report after the approval of the line of credit, I found that my score had plummeted XXXX points. When I spoke with a XXXX representative, it was confirmed that the {$8000.00} was cashed and deposited into a new account in order to issue the credit card which XXXX did not advise me prior to doing so. I am very aware how this would affect my XXXX and credit score therefore I would have never authorized the loan to be cashed and deposited. I asked for the name of the representative that processed the transaction and was not given the information. Aside from the issue with the personal line of credit, I was also informed by another XXXX representative that a monthly fee was being charged to XXXX of my accounts that should have never been charged since the account was meeting the requirements for the fee to be waived. I requested over the phone and in person for my account to be reviewed ; neither of the representatives provided assistance as I requested. I have contacted the institution via phone, online chat, and in person regarding the issues with my accounts. I am constantly pawned off to the next person and no one is willing to assist. I have given the institution and theit representatives ample opportunities to fix the issues at hand. I'd like to move forward with your assistance as the issues persist at this time.
Complaint sub-issue: Problem getting my free annual report

I 've been trying to get my credit report with Equifax. They continually ask me for evidence of my address, etc. I have tried and tried over and over several times and It has been over XXXX since I 've been doing this. They now want me to pay for my credit report when I have not received my FREE annual credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX i have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

Account is reporting as a charge off.And I would like to have it removed from all three credit bureaus. Its been XXXX  years from the first date of delinquency. Per XXXX XXXX account should been removed off the credit it XX/XX/XXXX. Ive disputed this account through XXXX, Equifax and XXXX however it still remains on my credit report. Ive worked with XXXX XXXX XXXX in XXXX and have been working with XXXX XXXX to have this delinquency removed from my credit report. Escalations letters have been sent to XXXX finance company as well as the XXXX credit bureaus and have not heard anything. Please help me removing this account from my credit report
Complaint sub-issue: Account information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Complaint sub-issue: Old information reappears or never goes away

Equifax is still reporting negative information on my credit report that is affecting my credit adversely. For example, they are still reporting XXXX XXXX XXXX as a negative account. The account is over 7 years old and a violation of my consumer rights. It should be removed from my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Having pulled my credit report from Equifax I noticed a fraudulent hard inquiry and previous address. I tried to dispute it using their online dispute tool but it told me it was unavailable and gave me a number to call. After calling the number and battling for a hour to get to a person the person told me that I couldn't file it over the phone and would have to mail or fax in documents to begin my dispute. I called their competitors and they were able to handle my dispute and it turns out the fraudulent information was not on their records. There is no reason in 2019 that anyone should have to mail or fax in documents to submit a dispute something on their credit report. I wish I could take my business away from Equifax but unfortunately consumers don't get that choice.
Complaint sub-issue: Information is not mine

my identity was stolen, i informed the XXXX XXXX XXXX, but they insisted i paid off the balance and they would remove it from my credit report, i t turns out i paid and they refused to remove it.. i should not be asked to pay for something i am not responsible. i was intimidated and put under pressure to pay this off but i am not responsible
Complaint sub-issue: Problem with fees charged

US BANK Lease I always use the US Bank Automated payment system to make my payment. 

In the early part of the lease, I miss-typed my bank account number and a payment was rejected. 

I noticed that my account was not debited so I made the payment at that time. 

Every time I call in to make my payment, it only says the regular payment is due. 

When requesting a payoff last week, I found out that over {$600.00} in fees have been assessed to my account. 

US Bank has not returned my call to inform me if they are willing to reverse any of the fees assessed. 

The payment due on the automated system should say what is actually due. Had I known this was an issue, I would not have let this continue over the years. 

Any assistance you can offer is appreciated. Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, MG Credit Account # XXXX, violated my rights. I have never done business with MG Credit. MG Credit illegally reported invalidated information to my XXXX report. 

In addition to, pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 602 A : I have a right to privacy.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish an account without my written consent.

Lastly, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), I requested an investigation and debt validation. However, I did not receive debt documentation to validate debt.
Complaint sub-issue: Banking errors

On XX/XX/21 I received a targeted offer while logged in to my Citi credit card account online. The offer stated I would receive {$200.00} cash bonus if I deposit {$3000.00} new to Citi funds within 60 days of account opening. 

I clicked the offer buttons to proceed to open a Citi checking account and deposited the new to Citi funds of {$3000.00}. 

After 60 days, I chatted with a representative to see why I have not received my bonus. They were of no help. 

It has now been 97 days since opening and depositing funds and I have not received the promised bonus.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with XXXX, XXXX, Equifax and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on XXXX and XXXX on XXXX it also shows me being late in XXXX on XXXX and XXXX on XXXX. The only reason I cant show you that Equifax also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation
Complaint sub-issue: Not given enough info to verify debt

I have XXXX collection accounts on my credit report from this company and not only disputed with the credit bureaus but also with the collection agencies. I sent the letter to the address on my credit report. The letter was returned as deliverable. I then sent the letter to another address obtained from a letter sent to me after the credit bureau dispute was received by them ; it was a different address. I asked for the proof that I ever agreed to pay or owe the debt with my signature on it. The only communication I have ever received was that one letter. They refuse to remove, reply, validate or anything else. By not replying, they are agreeing that the debt is not valid and therefore, should be removed. Not only have I received no proof of this debt, but they have also failed to insert a notice of dispute to my credit file which is a violation of the FDCPA and I can take them to court over this along with reporting a debt and failing to verify. In addition to this, they continue to change the account status from open to closed and back again, multiple times per month.
Complaint sub-issue: Didn't receive enough information to verify debt

I viewed my credit report and noticed I C System reporting a balance of {$640.00} which I do not recall which is reporting on my XXXX, XXXX, and XXXX credit file. Id requested which a letter documentation bearing my signature which I am entitled to if the company claims Im the owner of this account. With failure to provide me this documentation is in violation of the FCRA. And this item should be removed immediately.
Complaint sub-issue: Account information incorrect

XXXX XXXX Balance updated XX/XX/2022 This account should be removed completely from my Credit Report...
Complaint sub-issue: Other problem

I visited the store XXXX and the staff said nothing they can't do. So XXXX called BEST BUY to get my lap top 'total tech ' refund and called them XXXX and they hang up. Called another number and said couldn't help. It has been XXXX XXXX since i canceled the extended warranty. I want to BEST BUY to either refund the whole {$390.00} or extend the warranty to XXXX XXXX  for XXXX device. I purchased the extended warranty thru the BEST BUY credit card.