Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit denial

I have been purchasing XXXX XXXX  from XXXX XXXX XXXX since XXXX when they helped me in a precarious situation where my husband at the time left me with two  car notes and XXXX young children, one still in diapers. The management there helped me move out of those two vehicles outstanding balances into a new vehicle note. They gave me a path forward advising that as long as I maintained on-time payments, I would earn XXXX most favorable credit offerings for buying their vehicles. 

Over the years I earned that and obtained 0 % financing for my XXXX purchases with their endorsed lender Ally Bank in XXXX and XXXX. When I went to the dealership in XX/XX/XXXX to trade in my vehicle for a new one, they pulled my credit score of XXXX and found a perfect on-time payment history of my Ally Bank car note. When given the keys to drive off in my new car, I was told they would take care of financing paperwork for me to complete later. Ally Bank used the excuse of some company named XXXX XXXX XXXX and their assigned low credit score for me as a reason to not offer me a car loan at the going favorable rates. XXXX assigned me to XXXX XXXX  with a finance charge rate of 6.39 % - well above the going rate for those with my credit score as reported by the three major credit bureaus. That switch sent me from a 0 % finance car loan to one where my principal payment is almost equal to my loan interest payment. I was already in my new vehicle and not sure how to fight this awful switch. I had never heard of XXXX XXXX XXXX before and found the attached similar stories from others who experienced a similar switch to a high finance car loan despite having good credit. 

This scam needs addressing because while these finance companies use illegal means to throw people like me into high finance loans, long term damage is done that has a wide impact. At the time this switch happened, adverse events impacting one of my children and work at my new employer needed my full attention. I am hoping that new leadership under the Consumer Financial Protection Bureau will help me now address this wrong. I hope they will be made an example of to discourage companies attempting to make illegal profits like this in the future. I hope that the high finance charges and restitution for the long-term impact can be made to me by those who should be held responsible. 

Please help, thank you
Complaint sub-issue: Didn't receive notice of right to dispute

I was in the process of buying a house, so I had alerts set up on my credit karma. I get an alert saying new collections account. It was this one, I panicked and called them immediately. I went ahead and settled the payment but this still altered my approval to purchase my home. I would have at least liked to have notice before also it states the account was opened in XX/XX/XXXX when it was closed in XXXX. Seems very unfair to wait this long and then sneak attack me. The timing couldnt have been worse this has been a nightmare.
Complaint sub-issue: Talked to a third party about my debt

Atlas Financial Services is reporting a collection through XXXX Credit Bureau. This company has unlawfully gained access to my private health information as they sent me a detailed list of services from my medical provider. This is in violation of HIPPA privacy laws.
Complaint sub-issue: Account information incorrect

I applied for a new car lease. My credit was checked with XXXX  and I had an XXXX credit score. Then, my credit was check with an unknown company called XXXX , XXXX  and my score was a XXXX. I was denied the lease because of this. I never heard of theses people and you don't have to be XXXX to figure out that there is a problem. I contacted the phone number provided on the denial letter for XXXX, had to leave a message and no return call yet. These people should not be allowed to check one 's credit-obviously they are incompetent. Can they be barred from doing so? All my credit scores are well over XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )
Complaint sub-issue: Reporting company used your report improperly

I am a natural-born XXXX XXXX of Michigan, in its constitutional capacity, as one of the several states of the XXXX. And I am an inhabitant thereof. I am a living human being. I have rights under 15 USC 1681. demand the accounts listed below to be removed.By the Fair Credit Reporting act in accordance. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXtXXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries- EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is governen by 15 USC 1681.And they violated my rights numerous of times. 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 : also states that a consumer reporting agency can not furnish an account without the content of my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data of the information is inaccurate. 

Furthermore, it failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Title 18 U.S.Code SECTION 1341-1342 Frauds and Swindles laws and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C SECTION Fictitious Names No civil or criminal cause of action can arise lest out of fraud, there be a valid, honest contract See Eads v. Marks 249 P.2d257,260.

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v, Gravens ( Mo ) 282 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists ''.

I declare under penalties of perjury in accordance with law of the United State of America ( without the United States ) Title 28 U.S.C SECTION 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, demand to cease and desist so help me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with XXXX XXXX XXXX ( AES ). Loan # 1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
Complaint sub-issue: Information belongs to someone else

XXXX XXXXXXXX XXXX XXXX XXXX I never opened these accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently disputed the unknown/unauthorized credit inquiries, that are listed in the attached documents below, on my credit report and was advised that the information is correct and to contact each individual creditor for assistance. I should n't have to take the time to update each individual creditor when I should be able to dispute and get this handled through the credit reporting bureau.
Complaint sub-issue: Was not notified of investigation status or results

I sent a debt validation letter and method of verification letter to Equifax on XX/XX/2021 and never received any communication in regards to my letter. I then sent another letter XX/XX/2021 as a second attempt to get information verified or deleted from my credit report. The bureau states that the accounts were verified as accurate prior to me disputing but never sent the requested documents to me as proof. They are in violation of the FCRA
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On Monday the XXXX I sent MRS a dispute. Disputing the charges they claim to be trying to collect of {$2800.00} cents. And asked that they stopped calling me and emailing me until they mail a letter showing proof that I, XXXX XXXX XXXX, owe the debt that they claim I owe. Doing so I asked them to stop trying to collect, as well as to not report said debt to the credit agency 's as I do not own said debt. If they were to keep emailing and calling me, which they have been doing while I am at work. That they would be in violation of FDCPA. 
Today XX/XX/2022, they called me again to collect this debt, that has been disputed formally. I am requesting all debt collection to top and the debt that I'm being accused of owing, to be terminated from my record all together. As they are now in violation of FDCPA.
Complaint sub-issue: Trouble getting information about the card

On XXXX XXXX, 2021, the day I received my XXXX. Ive been trying to activate my XXXX from my current CELL phone. I do not have a landline as I did in the past. So, I asked my neighbor for help. He used his landline to call this number : XXXX. The automated recording says, It do not recognize my number. 
So, I tried calling from my CELL number & received the same automated answer of not recognizing my number. I do not have access to a computer or Own a XXXX. 
My neighbor used his XXXX  to go online & create an account for me. Following their website steps to create an account. 
I was able to create a ID, PW, input the card number & etc, created my Two Security Questions/Answers. My correct name & address did pop up ... When I got to the final step, I keep on getting this message ( err : sever error ). I have attempted to see what the issue might have been. Without success on my uncountable attempts!!! 
To begin with, their system is POORLY designed! The caller SHOULD be able to REACH A PERSON! IF NOT? Then the automated system should ALLOW OTHER OPTIONS : ( Ex : ask for DOB, Last 4 numbers of SS, updated address, or phone number in order to recognize the legitimate person that received this card instead of using only ONE security option, which is the device someone is calling from! ) It have been EXHAUSTING for me & such a WASTE of MY VALUABLE TIME to resolve this issue!!! 
Im NOT a complainer, however, I feel this situation have been a VALID reason to make a complaint about! Not only for the sake of myself, I feel I will be helping others as well!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

in accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 15 U.S.C section 602 A. states'| have the right to privacy.15 U.S.C 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

I contacted Equifax several times about missing information on my credit report. I have two federal student loans with XXXX XXXX and I have three credit cards with XXXX XXXX. None of these accounts are on my Equifax credit report. This agency is withholding information which is a violation of the federal fair accuracy act. I would like my two student loans and all my XXXX XXXX   credit cards to be reported correctly immediately.
Complaint sub-issue: Information belongs to someone else

on  XXXX   XXXX  an inquiry was done and I did not request an inquiry by said company. per the credit reporting agency I was told to contact the company which I did when I found inquiry was on my report. I faxed a letter to request deletion of inquiry which they responded with inquiry would be deleted by credit bureau. I then reached out to credit bureau and requested to have inquiry removed and offered to fax in and they told me there was no need to fax in document but it would be removed and inquiry is still showing on my report. I would like my report to be updated with removal. The inquiry is showing up on my Equifax report. I also contacted  XXXX  concerning a inquiry  for   XXXX   XXXX   that  was not mine and requested to have removed due to its not mine and its about to fall off in  XXXX , I contacted company as well which stated since I was not aware they could not give me a letter as the other creditor had. they told me to contact the credit agency. the   XXXX   XXXX   inquiry is due to fall off  XXXX / XXXX /  XXXX  . also   XXXX   XXXX   is showing twice and should only be showing once. I requested for that to be corrected and was told that was not able to be corrected. I only applied for credit with company and the  XXXX  inquiry is not correct
Complaint sub-issue: Debt was paid

I bought my lease out at the end of the 3 year term in XX/XX/XXXX. I maintained perfect payment history the entire term of lease. I purchased the car from Volkswagen Credit through my credit union. Everything was done over phone and email between me and VW Credit. At the time of purchase, VW credit charged me the cost of the vehicle only. The total cost did not include state tax & title transfer fee. I was told that I needed to handle that on my own. I took care of the state tax, plates, title transfer through my Secretary of State DMV. Last XX/XX/XXXX, I received an invoice from VW credit stating that I owed Lease turn in fees. {$1000.00} charge. How is that possible when I purchased the vehicle? When I spoke with a rep from VW credit, he told me the charge was for state taxes plus late fees. I paid the taxes to the people that were owed - the state of Illinois. The rep asked me to upload proof of payment to their website. I do so. He called me back the next day asking my to create and sign a document granting permission for the money I paid to the state of IL be transferred to VW credit. He told me that the state charged them for my taxes and they paid it. I asked him to send me the document from the state of IL saying this was owed. He said he could not do that. I asked for anything he could send. He said he would email me documentation from VW. He did not. I never heard anything about it until XX/XX/XXXX when a collection agency called me. They said I owe VW Credit {$1000.00}. I do not owe one dime  to anyone.
Complaint sub-issue: Their investigation did not fix an error on your report

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. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Late Dates XXXX
Complaint sub-issue: Information belongs to someone else

I was denied from buying a new car today XX/XX/2020 because when they ran my credit, I was told that there were four accounts with negative payment history appearing on my credit. I looked through my credit report myself and I saw those four accounts and none of them are mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I have no idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report. I did not get anything out of those accounts such as money, services, goods or anything else nor did I ever make any payments towards any of those accounts.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Hello XXXX has another bank they go through and the bank has been taking money for my account without my authorization
Complaint sub-issue: Account information incorrect

Duplicate information with two seperate companies for diferent negative amounts. by Hunter Warrfield Inc and XXXX XXXX XXXX for same account.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a fraudulent account XXXX XXXX and I send in documents for this account and XXXX refused to block it due to I had obtain goods which is false I never use this credit card or apply for this account and I was in prison and locked up and I can show you proof that these payments were unauthorized to my bank account I request the bank to dispute it and they have determined these payments were fraudulent/unauthorized and return the money back to me and yet the dispute with XXXX XXXX was denied by the credit bureaus and they never blocked the account before this is fraud and it a violation of fair credit act
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT OF ED/XXXX XXXX .... Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. . Balance : {$1200.00}
Complaint sub-issue: Debt is not yours

On XXXX XXXX I mailed by certified U.S. Postal Mail a response and evidence supporting my defense to Hunt & Henriques Attorney at Law, my response to H & H is in response to H & H response the CFPB on XXXX XXXX I will only attach my response letter to the CFPB website. According to the post office H & H should receive my certified response and evidence within two business day as of today XX/XX/2020 XXXX
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Information belongs to someone else

i was a victim of identity theft. i have a couple fraud accounts on my report. they are XXXX XXXX  XXXX  opened XX/XX/2016 balance {$1000.00} XXXX XXXX XXXX XXXX opened XX/XX/2016 balance {$420.00} inquiry XXXX/XXXX inquiry XXXX  XXXX
Complaint sub-issue: Account status incorrect

This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to XXXX XXXX and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to XXXX XXXX after 30 days and I tried to explain to XXXX XXXX the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with XXXX XXXX and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and XXXX reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe XXXX XXXX should be more fair to consumers in regards to financial reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX