Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX have not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Complaint sub-issue: Problem making or receiving payments

Opened a Citi checking account and funded with {$5000.00} XXXX XX/XX/2020 ). I originally opened this checking account in order to receive a promotion of {$200.00} that required having it funded with XXXX for over 3 months. Opened an attached Citi savings account funded with ~ {$2000.00} XXXX XX/XX/2020 ). Made a single external transfer of XXXX {$800.00} from savings account in order to pay my rent XXXX XXXX XX/XX/2020 ). About a week later I could no longer make transfers XXXX which I need to do to pay my rent ). I called and was told that their fraud team would look over the account as there was suspicious activity. I verified my identity and told them it was an authorized transaction. They held the account in limbo anyway. I called a few days later as the account was still locked. I was told they would be closing the account. Confused, I asked why. They could not give me an answer. The representative told me that they would require XXXX3 MONTHS to distribute my funds back to me as a check. 3 MONTHS. At this stage I have waited the time and now the accounts are empty. I have yet to receive a check.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A : states that 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: Not given enough info to verify debt

Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and XXXX authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
XXXX. ACCT NO. XXXX - BALANCE {$760.00} XXXX. ACCT NO. XXXX - BALANCE {$780.00} XXXX. ACCT NO. 898205 - BALANCE {$1000.00}
Complaint sub-issue: Billing problem

Logged in to mobile app to make my XXXX payment on my XXXX XXXX XXXX to find what XXXX XXXX says is a past due of over {$800.00}. I immediately called them and was told the amount was correct. The customer service rep stated that no payment was made in the month of XXXX. I told her I watch the account carefully and I know the payment was made on time. I told her I would go home and look at my records and call back. By the time I got off work and called them back, they were closed. I called repeatedly today to speak with someone but could never get anyone on the phone until I input incorrect information so I could speak to an agent. I finally was able to speak with XXXX at XXXX on XX/XX/XXXX. XXXX informed me that my XXXX payment was returned. I advised XXXX that this is not what showed online. The payment shows successful as well as cleared at my bank on XX/XX/XXXX for XXXX. I made the payment on XX/XX/XXXX for XXXX with a confirmation # of XXXX. I also went on the tell the agent that I made 3 payments in XX/XX/XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation of # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) Then I just made the XXXX payment on XX/XX/XXXX. So the account is not past due and should not be reported as a late payment. XXXX uses deceptive practices and makes it hard for consumers to keep up with payments. This keeps consumers with low credit scores in the market for these subprime loans.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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 an account without my written instruction
s.
Complaint sub-issue: Didn't receive enough information to verify debt

I own XXXX XXXX  and closed one of them. My XXXX XXXX XXXX service was automatically paid from my checking account for the 4 years this particular XXXX  was open. When I closed the XXXX  in XX/XX/XXXX, I contacted XXXX XXXX XXXX, they explained to me that the account would auto bill the last payment, I could keep the equipment as it was paid for long ago. I provided a forwarding address for the last invoice so I would have for my record. I never received any type of documentation from XXXX XXXX XXXX or anyone else. In XX/XX/XXXX I was notified by my credit monitoring service that a collection account hit my credit report. I called the collection agency and found out this account was for XXXX XXXX XXXX for the above referenced account. I immediately called XXXX XXXX XXXX and asked why I received no notification or why this bill did not auto pay, I got that we are not sure why and I will be happy to forward this to supervisor who will call you within 24 hours. I received no call. Called the collection agency ( MRS Associates ) and  explained situation to them, they said they can only remove from credit report if XXXX XXXX XXXX directs them to do so. Called XXXX XXXX XXXX back and spoke to XXXX in the escalations department @ XXXX, she said that they had mailed bills to the old address and that is why I never received a bill, that restaurant was closed. I asked her to remove this from my credit report, she told me they were unable. I have 3 other accounts with XXXX XXXX XXXX and have never been late ( they all auto-pay ), I would not stiff them for {$75.00}. I am asking that this be removed from my credit report as I was never notified there was a balance due.
Complaint sub-issue: Public record

I received my discharge for my bankruptcy on XX/XX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.
Complaint sub-issue: Account status incorrect

Around XX/XX/XXXX I disputed XXXX XXXX XXXX on my credit report. On XX/XX/XXXX XXXX notified me that it was reporting correctly. It is intact not reporting correctly. According to the XXXX, portfolio recovery associates should be not be reporting my account as a factoring company, and also my account is being reported towards my overall credit card utilization every month even though it is not a credit card which it is a violation.
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 have violated my rights numerous of times. I demand the accounts listed below be removed.

According to to 15 USC 1681 : I have the right to privacy and 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
Complaint sub-issue: Card was charged for something you did not purchase with the card

there were charges on the elan financial cc that were NOT made by me or anyone i know. that was in about XXXX XXXX i found out about this about XX/XX/XXXX as we had moved in XX/XX/XXXX and the mail was not forwarded.when i found out i researched what company had the charge ... XXXX  XXXX ... i am not a member or ever have been. XXXX credited the charge back to XXXX..so why does elan still show me 20 days late for a payment when i never bought the product, never received a bill and it was paid back by the XXXX XXXX..please do something about this fraud company, elan.
Complaint sub-issue: Information belongs to someone else

Personal Information Incorrect : Previous addresses are incorrect on all three credit reports.
Complaint sub-issue: Funds not handled or disbursed as instructed

apparently pnc made changes that prohibits my atm round -ups from being deposited to my XXXX  account. This has probably caused my account to grow much slower than it should have these past few months. I thought there should have been more money saved on acorn but just received a message from XXXX  informing me of what pnc was doing.
Complaint sub-issue: Information belongs to someone else

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

Thank you.
Complaint sub-issue: Debt is not yours

Opened an account with XXXX for my daughter, was going to open one for me, but found out my phone was not compatible so cancelled the account. Began receiving email bills from XXXX for the account that was closed before ever using, continued receiving, called and contacted XXXX multiple times, they said the account didn't exist, continued receiving, went into a XXXX to confirm the account didn't exist, then received Collection Notice for the amount from I.C. System, reference no. XXXX. Contacted them, have received no response, so I am submitting a claim. I have very good credit and don't want this to adversely affect it. Thank you.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX my payment of {$550.00} was returned for NSF. It so happened that money was taken out by mistake from the State of California. Thus causing me to bounce my check. I have had this lease for 3 years and I have never been late. My credit score went down because of this action and it will affect my ability to buy my car at the end of the lease. Which is due on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Complaint sub-issue: Public record

Ive sent my bankruptcy paperwork to Equifax and a current print out of my credit report. I have circled the issue items that should be removed from my Equifax credit record. XXXX has already removed everything off my record accept the bankruptcy. Equifax has everything they need to update my record. And has not done anuthing as of yet. Ive also made several phone calls to Equifax tryn to see why nothing is being done. And ill i keep getting is the run around. Ive done everything i have been told to do to take care of this issue. Why is Equifax so unwilling to correct my credit record? I have sent all of my paperwork to Equifax. And have proof.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX has been paid off.
Complaint sub-issue: Attempted to collect wrong amount

Describe what happened so we can understand the issue ... 
XX/XX/2015 I was contacted by ATG credit in reference to a Medical debt totaling XXXX for numerous accounts. I was advised that it had not reported to the Credit Bureau as of yet and in order to hold the account from further action I needed to pay the balance. I agreed to a one time payment of XXXX over the phone and advised that I would try to make a large payment the following month. On XXXX XXXX ATG withdrew XXXX out of my checking account. I called them immediately and was advised they had me on record authorizing this amount. I told them that it was untrue. They advised me they would review the recording and call back When the representative called back she advised me it was valid. I asked her directly if the recording stated I agreed to this amount or did I say that I would make arrangements for the amount. She stated I agreed to it which is a blatant lie. 

I filed a fraud complaint with my bank and the BUREAU OF CONSUMER FINANCIAL PROTECTION ( XXXX ) for the funds which were returned ... .. 

Today I received a call from XXXX for the same debt for XXXX I explained to her they have already reported to my credit bureau which she states they have not. She said they have sent numerous letters no letters have been received from ATG credit since their violation of EFTA. She demanded a payment arrangement and advised me it would be reported the following week. The previous payment arrangements were for the same hospital stay I believe they are finding a reason to contact me again by misinforming of the number of accounts/balance and I feel harassed and confused about what I actually owe. I will not give them any payment information based on the fraudulent abusive and unscrupulous actions previously. 

XXXX ATG Credit LLC said : Explanation of closure We have reviewed the account and determined that the complainant did agree to the payments but asked us to hold them until she contacted us back. The payments should not have been processed. We have placed the account on hold and as a courtesy have removed from reporting on credit. The account is still outstanding but we have pulled future payments and removed from credit. It appears the payments did not clear so the balance does remain outstanding but as a courtesy we have removed from credit for the time being.
Complaint sub-issue: Other problem getting your report or credit score

I cant access my credit report and scores
Complaint sub-issue: Information belongs to someone else

The creditor closed this card, considering that it appeared as a result of fraud. I have had talked to creditor 5 times, they agreed to solve that but in vain, so please remove it from my credit history.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1971 SSN : XXXX PH : XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

I had an auto loan with XXXX XXXX, opened in XXXX of XXXX. I closed that account in XXXX of XXXX by paying the loan off. Since the loan was paid off, XXXX XXXX or Equifax continued to show the account as open and that payments were being made. Some of the payments listed after the account was closed in XXXX of XXXX showed as late payments. Payments continued to show being made to the account up until XXXX of XXXX. The account was paid in full and closed in XXXX of XXXX. Late payments for this closed account showed for XXXX of XXXX, six months after the account was paid in full, another late payment showed in XXXX of XXXX, two more late payments were reported in XXXX and XXXX of XXXX. I have filed five disputes with Equifax, each dispute was closed and the information remained on the credit report and continued to be inaccurate. I called XXXX XXXX five times, they stated that the account was closed in XXXX of XXXX, they showed the account closed and they stated that they would send a letter to Equifax. All disputes have been closed with both companies and the information remains incorrect.
Complaint sub-issue: Their investigation did not fix an error on your report

Two rounds of dispute letters were sent to remove the inaccurate account on my credit and i haven't received a response yet
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXX XXXX # XXXX within my consumer files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX The following accnt is Fraudulent I'm a victim of identity theft, my information has been found on dark web and Equifax data breach. I have no knowledge of this account I demand immediate removal as the law prohibits false information from being on my credit report according to my consumer rights that has been violates 15 USC SECTION 1681, violation unfair deceptive practices, violation of ftc. I will sue {$1000.00} per violation if this is not removed immediately. 

There is also a letter attached regards to Delete Utilization as well as that is illegal to report law states it should be 5 % or lower or delete all utilization
Complaint sub-issue: Investigation took too long

XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Recently issued a dispute on XX/XX/2018 about multiple charges stemming from XXXX with my Discover credit card. 

These charges were fraudulent and I did not authorize them or dealt with this company at all. 

The charges totaled more than {$37000.00}. 

I received disputes favoring me in total of {$7000.00} and was on the hook for the rest of the disputes over {$30000.00} even though they told me that after the investigation XXXX failed to communicate with them and provide Discover with any evidence or transactions. 

I received no written communication of the reason why I did not win all the disputes or any written communication with Discover at all through the whole process. 

After receiving multiple emails on XX/XX/2018 about most of my cases being valid ( even though they got no communication with XXXX  ) so they basically decided the charges were valid with no evidence to back this up. 

I then communicated with Discover chat about this issue and they claimed that I had dealt business prior with XXXX XXXX  which is completely false I had no idea what XXXX XXXX even was. 

They just then referred my cases to the actual fraud department instead of billing disputes ( the department I should have been referred to for my issue in the first place ). 

I will post an update after their investigation is complete about how the fraud department chooses to handle my case.