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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. Statee Ihave the right to privacy. 15 U.S, C 1681 Section 604 A Sections 2 IT also states a consumer reperting agency can not furnish a account without my written instruction,
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity theft back in XX/XX/XXXX. Someone opened an account fraudulently in my name from the company " XXXX XXXX  '' which reported to my Equifax Credit Report. I have disputed it off of my XXXX and XXXX Credit Reports, which the account was block after the first attempt. I have been constantly disputing this account with Equifax, which it finally did fall of XX/XX/XXXX, but reappeared on my credit report in XX/XX/XXXX. Now, I have disputed this account at least over 10-15 times with Equifax, but this account keeps coming back verified by the company. Therefore, I am filing a complaint with XXXX XXXX  because they are not taking my complaint of Identity-Theft serious and I am filing a complaint with Equifax because they are violating FCRA and I feel like some actions need to take place due to me being a victim of identity theft, which resulted in a fraudulent account being opened up in my name. I have submitted a police report, an Identity-Theft Affidavit, and proof of my identification numerous of times, but this fraudulent account still remains on my Equifax Credit Report as of XX/XX/XXXX, which should not be on there. My next steps is taking Equifax to court if they keep violating FCRA ( The Fair Credit Reporting Act ).
Complaint sub-issue: Account information incorrect

I have tried on multiple occasions to obtain investigation documentation that verifies the validity of the two charged off accounts that are being reported by XXXX XXXX Bank. I have screen shots that show how the accounts list multiple different dates for " date of last payment '' and now today, as a result of a dispute I conducted with Equifax - one charge off is showing 90 days past due 24 times when it used to list zero. This has dropped my credit score XXXX points. Aside from that fact that this seems like retaliation, if that information was factual it should have been included in the reporting when the account was charged off over 6 years ago. Both of these accounts should be removed from all three credit bureaus or XXXX XXXX needs to send their investigation results/verification of the debt directly to me. This company is a predatory lender and can not just send template responses to what is a simple request- where is the proof that this debt belongs to me and why are there multiple reporting discrepancies across the three bureaus?
Complaint sub-issue: Account information incorrect

I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report reported by XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! XXXX, XXXX, and Equifax have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police report.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATION/XXXX XXXX Date opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6900.00}, DEPT OF XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$000.00}.
Complaint sub-issue: Problem with fees

Back in XXXX I noticed that I had a payment safeguard fee on my statement. I called and asked what it was for. They explained it to me and that I didnt qualify for it since Im considered XXXX XXXX. Nor did I ever ask for it. They ended up reimbursing me for all the fees they had charged me. and recalculated all the interest since it would make my balance smaller after taking the fee off. I didnt think nothing of it and kept paying my bill after they refunded me and all these years only to find out that after they refunded me all that money the following month after the refund they started charging me all over again. I didnt catch it until XXXX since I was taking care of my sick dad until he passed away. But I kept paying on my bill. I called them to ask them to reverse all the charges and they wont do it. I called them for numerous months and tried to get this resolved and to no avail they wont do it. I talked to a man in the escalation department and it sounded like he was going to get it taken care of but never heard back from him. I thought every person that I talked to understood it was their mistake and I ended up paying for their mistake. I feel that I should be reimbursed for all the charges since they did it before and I dont even qualify to use the benefit. I told them I didnt want it when they refunded the charges the first time. I have all my statements to show the refund and then the following months all the charges that they gave me. I have a limited amount of income and dont think its fair for me to have to pay for their mistake. The refund amount back in XX/XX/XXXX was for {$1100.00} that included them recalculating the interest. The amount from XX/XX/XXXX to XX/XX/XXXX for the the fee is {$440.00} not including the amount of extra interest they charged for the higher balance due to the fee being on there. I would like this matter taken care of as soon as possible. I called from XX/XX/XXXX till XXXX or XX/XX/XXXX. Since they refused to take care of this matter I ended up getting all my statements that were needed to show proof of what I was talking about. That took a little bit of time since I had to request the older statements only 12 at a time. I would appreciate any help you can give me in this matter. 

Thank you, XXXX XXXX
Complaint sub-issue: Account information incorrect

Have a 30 yr fixed VA loan serviced by CMG mortgage. Requested forbearance under CARES Act related to financial hardship due to COVID-19.Recieved approval of forbearance approval. Was current on mortgage payments until I received notice of approval of forbearance, then halted payments. Noticed a 17 point drop in my credit rating based on data submitted by CMG mortgage. It was my understanding that under the CARES act that the forbearance period should not negatively affected my score which is not the case. I have reached out to CMG mortgage in an attempt to resolve this and not recieved any resolution. Any assitantance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX and I want your help to start the disputes on these fraudulent inquiries in my credit report.
Complaint sub-issue: Deposits and withdrawals

I have online savings acount with Discover Online Savings which had significant money, I dont use it much as its a savings account. I discovered on XX/XX/XXXX that around XX/XX/XXXX there were fradulant withdrawals from the account to the tune of XXXX XXXX The statement description says " XXXX  ACH ''. Though I have a XXXX account, it was never was linked to this bank account and there is no history of any such activity in my account.. I was not sent any notification by the bank of transfers nor was there two step authentication. XXXX and Bank refuse to help as its more than 1 year but as this is savings account which I did not use, I did not see the need to check statements regularly.
Complaint sub-issue: Debt is not yours

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/2022 I made an uninformed decision to apply for a best buy credit card. The terms of the agreement between best buy and myself were spread out across dozens of pages in a pamphlet that I was told I did not have to read.
Complaint sub-issue: Public record information inaccurate

Equifax has reported to XXXX ( XXXX ) different banks negative information. I.e. A Bankruptcy. I called made dispute and Equifax swears up and down they gave no information like that to these banks. The XXXX XXXX XXXX, XXXX Tx. Told me that Equifax reports a bankruptcy, that was in XXXX 2017.  XXXX XXXX, reported to this bank a bankruptcy just 10 days ago. And now, XXXX XXXX took XXXX dollars away in my credit card for the same misinformation. When I called Equifax on XXXX XXXX, 2017, I told them this, they told me they have no Bankruptcy on file. Well, I would like to know where these XXXX banks got their information? All XXXX have told me personally Equifax supplied this information, I want these banks contacted immediately and told the truth. Thank you for your time in this matter.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CREDCO is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I paid a contractor in XX/XX/XXXX for a deposit for remodeling. 
In XX/XX/XXXX the contractor sent me an email saying he wasn't going to complete the work and was filling bankruptcy. 
I contacted Citibank immediately and opened a dispute on the charge of approximately {$22000.00}. 
Over the next several months Citibank requested many items of information which I either faxed or emailed to them. 
In XX/XX/XXXX they stated they weren't going to be able to resolve my dispute because they didn't have my claim within 60 days of the last days I received services. This is not true. Being a remodel the contactor was working all the way to XX/XX/XXXX when I filed my claim. 
After not being able to get any assistance from Citibank by phone I opened a complaint with XXXX and I was contacted by XXXX XXXX at Citibank. XXXX worked on my dispute and the claim was supposed to go back to the merchants credit card company in XX/XX/XXXX/XX/XX/XXXX. 
I contacted XXXX XXXX in XX/XX/XXXX when I still hadn't heard anything. He then stated that MasterCard refused to send back my dispute for the original same reason of last days services were'nt received in time ( which is not true ). 
I opened up a complaint directly to MasterCard who instead of speaking with me sent my dispute back to Citibank who then called me once again with the same reason on why they can't help me. I have lost {$22000.00} despite giving Citibank and MasterCard all information requested within time frames requested and am not getting a resolution that I should have coming to me. 
The only fair resolution is I should receive a full refund for services not received. 
Citibank and MasterCard have all documentation sent to them by me and have been unwilling to resolve so I need you to step in and help on this.
Complaint sub-issue: Account status incorrect

Unfortunately, I had a financial crisis in XX/XX/2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since XX/XX/2016, this finance company continues to report the account as active and past due.
Complaint sub-issue: Old information reappears or never goes away

I have a debt from XXXX XXXX XXXX showing as collections for {$1200.00}. It shows this account was opened in XX/XX/XXXX. This is for a cable provider. I have not had cable since XXXX and this has been on my report as collections since XXXX. I had XXXX XXXX in XXXX and things feel behind soon thereafter. This was one of those bills. My marriage ended in XXXX and this is one of those bills I could not pay because I had to keep my XXXX son in his special school. I understood that the cost would be this stayed on my  credit report until the end of XXXX. But they reported it as new again. I disputed it and they claimed it is a new account. The service address was XXXX XXXX XXXX. I have had 2 addresses since them. The amount is also not correct because I eventually turned in the cable boxes and remote controls that they charged me for but they never took it off my balance since it was gone to collections by then. 

I understand it was my bill. I also have been denied credit and paid higher interests rates on the credit I have been able to secure as I try to rebuild my credit because of this collection that has been on my credit for more than 8 years now. For many years I couldn't event get internet because XXXX XXXX was the provider. I did limited internet on my cellphone because that was all I could afford. But obviously that was a problem I caused for myself because of this problem. 

Please confirm that this is NOT a new account and that this has been reflected as a collections account since XXXX. I have old versions of my credit reports if you need them. Thank you for helping me move on from this very dark chapter in my life and start building a responsible credit profile.
Complaint sub-issue: Account status incorrect

I am writing to dispute the following : XXXX XXXX XXXX XXXX XXXX ( XXXX ) account delinquency. On XX/XX/XXXX XXXX XXXX Active Deficiency Specialist for XXXX   notified me via phone that XXXX failed to provide the contract extension agreement for XX/XX/XXXX to XX/XX/XXXX to XXXX XXXX for claim XXXX so that GAP Policy XXXX would satisfy the account. XXXX XXXX issued payment to satisfy the remaining balance following receipt of the contract extension agreement. XXXX XXXX stated my only remedy would be to dispute the item with the credit bureaus, as XXXX would not remove the negative item. I am requesting that the item be modified to accurately reflect the account status as the delinquency was due to a lapse on the part of XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity theft and the inquiries I am disouting are the results of such crime. The letters I sent on XX/XX/XXXX are complete with attachments such as my Driver 's license and SSN. I also attached the ID THEFT REPORT I received from the FTC and yet the Credit Bureaus have done nothing to remove these inquiries. The Credit Bureaus willfully negelceted the FCRA section 605b and continued reporting the disputed inquiries despite the inquiries being in dispute. I haev read enough to understand my rights under the FCRA which is clearly being violated by the Credit Bureaus. Under the FCRA section 605b, I am requesting that the Credit Bureuas remnove the following inquiries completely from my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXXXXXX EQUIFAX MTG Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Account information incorrect

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payments or account. You are reported totally different or missing information on my XXXX XXXX XXXX account.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State 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: Talked to a third party about my debt

XXXX XXXX, a representative of Altran ( XXXX ) called several of mt relatives in another state and a friend regarding my debt. I was embarrassed and furious! I told them that I do not have a job and that I would pay my debt when I get a job acceptance. I also told them to stop calling me. They stressed me out so much with calling that I blocked the number, and I received a call from a relative and non-relative that they left several messages on their voicemail. This is not right and should not be legal!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i called Equifax and also sent them a letter requesting for them to investigate open a dispute on the 2 hard inquiry accounts. 
XX/XX/2017- XXXX XXXX XXXX XXXX . 
XX/XX/2017- XXXX XXXX . 
Equifax told me credit inquiries are factual record and that i need to contact the original creditor to remove the inquiry. they are using a stall tactic and is in direct contradiction to my legal rights.
Complaint sub-issue: Account status incorrect

There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to me,  XXXX   XXXX  credit bureau issued the report that was used to determine my credit evaluation.    Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   XXXX    4 .  XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX     XXXX   XXXX   MY CURRENT ADDRESS IS   XXXX   XXXX   XXXX   XXXX    OHIO   XXXX
Complaint sub-issue: Fraudulent loan

This complaint is regarding Violation of verification and reporting of auto loan from XXXX XXXX XXXX. Negative items ( auto loan ) on my credit report ( s ), where I personally contacted the creditor and they could not locate any accounts under my name. I was also informed by them that that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, XXXX, and Equifax are reporting a negative auto loan also reports as joint account? Your assistance is greatly appreciated. 
Out 3 CRA only Equifax is the one that is reporting account of joint auto loan outdated SINCE 2015, not my account/ never had auto loand with XXXX XXXX XXXX incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.