Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

To CFPB This complaint involves Equifax who, after my many attempts to resolve an issue with inaccurate inquiries ( XXXX XXXX ), Equifax seems to think that they can continue to bull doze their will on me by allowing this nonsensical, erroneous reporting hurting my credit report. I did not give any one at XXXX XXXX permission to look into my credit report for any reason. Yet, Equifax seems to think that they can continue their non compliance of the FCRA and other laws that govern reporting. 
I am here by filing this complaint against Equifax and request that CFPB fine them accordingly if they do not comply with the law. 
I repeat, I did not request or give permission to any one at XXXX XXXX to look into my report therefore, please enforce the law on Equifax.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?
Complaint sub-issue: Reporting company used your report improperly

I received a catalog for XXXX and XXXX on XX/XX/XXXX. I ordered some items and paid it off on XX/XX/2021 There was no hard inquiry. My credit score went down and I am in the process of cleaning up my credit report. 
Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. 

Please remove the XXXX account also. It is paid in full.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to get the people that work at Equifax to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all. 

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries. 

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.
Complaint sub-issue: Frequent or repeated calls

Citicard is calling my house repeatedly to collect a {$20.00} credit card overdue payment. Just today, XXXX/XXXX/15 they called at XXXX, XXXX, XXXX, XXXX, and XXXX. This is harassment and abusive. They need to stop this. Citi is calling from XXXX. Citi has been doing this for several days now.
Complaint sub-issue: Information is not mine

This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.
Complaint sub-issue: Information belongs to someone else

XXXX is not properly investigating my disputes. These companies Sezzle and XXXX credit services are reporting false information during the pandemic when I have consumer protection by law. These accounts were unauthorized and I never received the items.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I disputed a charge with my credit card company Citi. The dispute was regarding a purchase with XXXX in the amount of {$5800.00}. I disputed this charge due to the fact that the purchase for service I paid for I never received. Citi provided a conditional credit in this amount and advised an investigation would take place. 

On XX/XX/XXXX they asked for additional information which I complied. I provided in great detail. The invoice, emails etc.., and other supporting documentation. I explained the merchant defrauded me of {$5800.00}. They sold me a service that was never provided. They expected me to except another variation of a similar package at an additional charge, which I refused. My emails reflect this companies admission to misrepresenting this package. I have tried unsuccessfully to get this subscription cancelled. 

I have not received the service I paid for. I have not utilized or benefited from any of their products or services that they have otherwise attempted to bribe me with in order to keep my {$5800.00}. This is a fraudulent transaction as this foreign company lied and intentionally misrepresented their product over and over until they got their money. 

On XX/XX/XXXX Citi made the decision to reverse my conditional credit. I received no notification or explanation or advised of any appeal rights or reconsideration. I was not given an opportunity to dispute any information from the merchant that was used in this decision. I called back requesting to speak to a supervisor and was told they dont make calls but I can request for them to review your complaint and escalate it to their department. I was advised there was no direct contact number and that I would just have to wait for further instructions through mail. 

In the meantime they have recharged this disputed charge to my account which has negatively affected my credit standing and generating excess fees and interest. I have submitted several letters and emails to XXXX but have received no response. It is my belief that this unfair decision to make me responsible for this {$5800.00} was made to benefit Citi as they are the ones to stand to benefit from this decision and not to protect its customers from being fraudulently charged for misrepresented services never received. Because of this I have had no choice to request my dispute reviewed unbiasedly.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

XXXX, Equifax & XXXX  has violated my consumer protection laws under the United States code title 15 chapter 41. The first violation is they have this alleged debt being furnished on my credit report. That is a violation of 15 USC 1692b ( 2 ). Its violating because it being furnished would mean I owe it, but a debt collector cant say I owe anything. I am the original creditor because I am the one with the credit. There are several public laws regarding the inability of any bank or anyone other than a natural person ability to lend credit or have credit to lend. They did not give me the credit so they can not validate the debt. I am the only one who can validate the debt because the corporation is not a natural person according to congress. They are a entity. I do not validate this debt. 

Pursuant to 15 USC 1692d only the natural person can validate an alleged debt. No debt collector/ corporation has the power to tell me a debt is validated. No contract or monthly statement can validate the debt. 

The consumer, the natural person Is the only true creditor as I am the one that created the debt per federal law. 

I demand that the accounts listed in my letter be deleted asap. If you cant delete the accounts I demand that you produce a contract in affidavit form between me and you showing I granted you permission to furnish the report. If you have that permission have senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report.
Complaint sub-issue: Reporting company used your report improperly

Corelogic illegal pulled and supplied innacurrate credit information in a illegal pull of my credit.
Complaint sub-issue: Information belongs to someone else

XXXX XXXXXXXX XX/XX/XXXX XXXX Dear XXXXXXXX XXXX  XXXX, Why we're writing you We have completed our investigation regarding your claim this account was fraudulently opened using personal information. Based on our review, we have determined that you are responsible for the account and charges in question. 
Here 's what you need to know Our decision was based, in part, on the following : Account Ending in XXXX, XXXX Account # is XXXX Date opened ; XX/XX/XXXX Charge off amount of {$1800.00} Dear Sir/Madam, Yesterday I spoke with officer XXXX, her ID # is XXXX. She has found the following that : 1.This account is not mine. 2. This account opened before the SS # issued. 3. I never had this credit. 4.SS # not match with this credit account so .unable to settled the payment I have attached a copy of the SS card, with the card 's issued date showing XX/XX/XXXX. The card associated with this account was opened XX/XX/XXXX. I have also attached a copy of my driver license and a copy of the passport page for her request.Please remove this account from my credit file. Thank you,
Complaint sub-issue: Their investigation did not fix an error on your report

I have my mortgage serviced by LoanCare. My automatic payment for the month of XX/XX/XXXX, did not come out as it does every month. On three separate recorded calls with Loan Care, they have verbally admitted that the ACH payment did not come out due to " their internal error. '' The funds were fully available and my payment has never had an issue. I am someone who protects their credit score for more reasons than financial. My job requires good credit, due to the nature of my job and what it entails. This has really been very disruptive to my life, and it could potentially jeopardize my position and job, due to Loan Cares blatant, unfair, unlawful practices toward their customers. They said they would post the payment as current, however, could not do anything about the 1x30 derogatory reporting to my credit profile. I spoke to XXXX, ID XXXX, on XX/XX/XXXX. He was in the " escalation department '' and stated that it could be removed, after I explained what happen, and then back tracked and said, " well it has to go through our credit bureau department to see if it was an error on our end '' I advised him that on 2 recorded calls with LoanCare, Informative Research, and the processor from the company doing his current refinance, the agents advised Informative Research that they would show the payment as current due to the internal error, however, they can do nothing about the 1x30 derogatory. I am beyond shocked that LoanCare could conduct themselves in this manner, that is unfair, unlawful, to the 3rd degree. Reviews on several sites, including social media, have prompted me to write this to Business Oversight, to bring awareness and put them in regulatory radar from all the regulatory watch dogs. How can a business keep operating in a very suspicious unlawful manner. I am in the process of refinancing to better my home for my children and I, I am a single father. I want to improve the life of my children, protect my job, and move on, however this one 1x30 late is a wrench in the fair pursuit of a better life. Loan Cares has purposely avoided this issue.. I demand they remove this 1x30 derogatory mark. My record shows I have not missed any payments and I am not going to sit on my laurels for their mistake. Please help me to get resolution for their mistake!
Complaint sub-issue: Card was charged for something you did not purchase with the card

My wallet was stolen near XXXX XXXX XXXX XXXX in XXXX on XX/XX/22. The contents of the wallet included XXXX credit cards, XXXX debit card, an XXXX XXXX XXXX and my keys. The perpetrator ( XXXX ) attempted to use my cards a XXXX for purchases of up to > {$3000.00}. I only became aware that my wallet was stolen when I started to get alerts and calls from the credit card companies trying to verify the attempted charges. The only fraudulent charge attempt that was not properly identified as fraud was a charge for {$760.00} purchase using my PNC Virtual Wallet Student Checking and Savings Account debit card at XXXX. PNC did call me as well as the other credit card companies on other charge attempts being made and blocked them. Unbeknown to me, PNC let this one go through. Once I became aware of this charge, I reported it as fraudulent to PNC. The gave me a provisional credit as required by law, but now they have reversed the credit claiming that it was a valid charge. I have included copies of the XXXX police reports that I filed as well. 

PNC Bank XXXX XXXX in XXXX PNC XXXX XXXX  XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have not received any information on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have sworn testimony from my end which I would gladly present in court if we need evidence of my trying to rectify the subterfuge that you are reporting. ***** ( copied form the attached affidavit ) *******
Complaint sub-issue: Public record information inaccurate

XXXX XXXX, XXXX To the Consumer Financial Protection Bureau. 

I have a complaint and believe that I a.m. not being treated fairly by VW credit. 

In summary, a XXXX XXXX that I recently leased was not placed on auto pay at the time of purchase on XX/XX/XXXXat XXXX XXXX XXXX XXXX XXXX as I had been promised. 

XXXX XXXX XXXX VIN : XXXX Account Number : I was led to believe that placing the vehicle on auto pay would decrease my monthly lease payments XXXX XXXX XXXX XXXX XXXX. 

I was initially made aware that this was not the case 37 days following my purchase on XXXX XXXX, XXXX. I made an online payment at that time of {$830.00}. 

I called XXXX XXXX XXXX, XXXX to remedy this. 

Obviously this was not remedied given that I was again notified on XXXX XXXX, XXXX that a payment was overdue. At that time I made an immediate payment of {$1200.00}. Unfortunately this payment was approximately 34 days past the due date and reported to my credit union. I again asked as to why Autopay had never been initiated and was told, for the 1st time, that they had no longer initiated such for the last year. I was never told this. 

This was not the case for the other 5 XXXX that I have previously and concurrently leased, which were all on Autopay. 

I would ask that this negative report be removed given that it was not completed at the dealership as promised. I have never had this problem with 3 prior purchases at this dealership and 2 additional purchases at other VW dealerships. I have made well over 200 lease payments to VW over the past years with no late payments. 
Previous leased VWs on auto pay XXXX XXXX XXXX XXXX ) XXXX XXXX ... XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Type : Lease Account Type : Lease Account Type : Lease Auto pay Auto pay Auto pay Current leased VWs on auto pay XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX VIN:XXXX VINXXXX Account Type : Lease Account Type : Lease Total Amount Due : {$250.00} Total Amount Due : {$250.00} Due Date : XXXX XXXX, XXXX Due Date : XXXX XXXX, XXXX Autopay Autopay I made an initial inquiry to VW credit on XXXX XXXX, XXXX with minimal to no help. 

I made a 2nd inquiry to VW credit on XXXX XXXX, XXXX which was ignored. 


I appreciate your help with this.
Complaint sub-issue: Received bad information about my loan

was never late on my student loan. I was granted a forbearance in the process of the forbearance approval. My student loan was reported late. I feel this is unfair and deceptive and against FCRA section 609. The information was not verified and the provider never submitted verification of the late payment when I disputed the inaccurate reporting with FedLoan Student Loan services.
Complaint sub-issue: Account status incorrect

incorrect date of the first late payment this account is more than XXXX XXXX XXXX from the first late payment account # XXXX XXXX, account # XXXX XXXX  XXXX
Complaint sub-issue: Information is not mine

I was a victim of identity theft and I first noticed about a year and a half ago. I completed a full police report and submitted to Equifax months ago. Unfortunately, Equifax will not remove the items, while both XXXX and XXXX have removed all fraudulent accounts from my credit reports. I have been dealing with this fraudulent information on my credit files and re-disputing the accounts for over a year with Equifax and I would like the accounts removed so that I can go back to a normal life. At XXXX years old, I should be focusing on buying a house, getting a car, starting a family, etc. and because of this harmful and inaccurate, fraudulent information I can not do any of these things.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX my bank account was hacked. I got a notification on my phone of money being taken from my account. I didnt recognize the company so I immediately locked my account and requested a new debit card. The next day I got ahold of my bank account and they pretty much told me that I needed to contact the company that has my money and that they couldnt do anything for me. I didnt think that was my responsibility to contact the company that has my money. I still dont.
Complaint sub-issue: Was not notified of investigation status or results

I was 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.