Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/XXXX at XXXX someone from XXXX called to discuss a debt that was sold to them from XXXX XXXX. I spoke with the young lady and verified the information. I asked her to cease calls and to communicate through mail only. She commenced to rebuttal that she couldnt send anything else through mail because I havent responded to previous mail that has been sent. I asked her to verify the address on file. She refused and abruptly hung up in my face. Today XX/XX/XXXX at XXXX another person from the same company called me again after asking them NOT to call and cease calls yesterday the agent began to argue with me telling me they dont cease calls and hung up abruptly. This is harassment and a violation of the request to cease and communicate through mail.
Complaint sub-issue: Account status incorrect

I sent Equifax Credit Bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : XXXX. The following account is not mine XXXX XXXX. The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX. The following account is not mine XXXX XXXX XXXX. The following Inquiry is not mine CCB/BOSCOV Date of Inquiry : XX/XX/2021 XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, defamed my character and caused me great emotional and physical stress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
For the other accounts : 12 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely,
Complaint sub-issue: Account status incorrect

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}
Complaint sub-issue: Other problem getting your report or credit score

For the last 3 weeks, I wanted to apply for a new credit card thus I removed credit freeze on the 3 my credit credit reporting agencies. 

However, I keep getting? on my credit Equifax credit report, please see attached document. When I applied for a credit card 3 weeks ago, my credit application was denied even though I have credit score above 800.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

On XXXX XXXX, 2017 I set up a scheduled payment to pay to pay off my phone bill. I authorized {$100.00} to be taken out of my bank which is US Bank but During that time my bank sent out a letter ( I do not know when ) saying they had cancelled our cards, which I never knew because I had moved out of my original house. For two weeks I had went without my access to my debit card, at the time I did n't need to use it.. I called US bank and had my address changed to my current address but in the mean time I could not use it. only way I could use my card to pay off my bill was by giving XXXX XXXX XXXX my routing and account number. Again, I had only authorized {$100.00} to be taken out. Instead XXXX XXXX XXXX went ahead and took out the full payment of {$360.00}. I did not have any funds in my account except the {$100.00} and becuase of this my bank account continued to go from negative to positive additionally charging me {$36.00} each time for the overdraft fee.. I reached out and called a Banker but she informed me that there was nothing they could do about it and I would have to just pay it. This bank does not care about anything except taking money. This is the third time I have been charged for this overdraft fee. I am working to pay it off for the mistake of XXXX XXXX XXXX but each time I get money sent into my account and I 'm in negatives I get charged. When my account goes to positive I get charged. This is a problem and my bank is n't trying to help so I am sending in my complaint. Hopefully someone can assist to help me.
Complaint sub-issue: Reporting company used your report improperly

I have received my XXXX XXXX report and see that Factory Trust has pulled my report multiple time without my consent, I have never applied for any of these companies. 
1. XXXX XXXX XXXX 2.XXXX XXXX   3.XXXX XXXX
Complaint sub-issue: Debt is not yours

I never took out a loan via Moneylion, I was to validate this debt, where is the original signing and documentation
Complaint sub-issue: Attempted to collect wrong amount

I been trying to get in contact with XXXX XXXX, I want to inform about an error that I noticed on my XXXX credit report for {$950.00}, this company claims to didnt receive equipment which I personally dropped off in one of their stores in XXXX NY. 

I also have my receipts of the returned equipments back in XX/XX/XXXX.
Complaint sub-issue: Debt was paid

In XX/XX/XXXX our company finished up a lease with a company truck. At this time we were sent an invoice that had some erroneous charges on it. On XX/XX/XXXX our company sent a check for {$840.00} and very clear terms as to what this payment was for and how it was paying off the remaining debt on the auto loan as we did not agree with some of the charges for alleged damages that Ally tried to charge us for. In this letter with the check we also very clearly stated this payment should be considered full settlement for this loan and cashing the check would be considered acceptance of these terms. By XX/XX/XXXX Ally had cashed this check and sent us additional invoices for what they considered an unpaid amount. We had clearly disputed this amount in our previous letter as well as numerous calls back and forth between our company and Ally. By XX/XX/XXXX they sent us a notice that they were going to report negative information to the credit agencies and proceeded to do so, at this time they also sold the debt to a third party debt collector. At this point every attempt to contact Ally about the account in question was met by them immediately transferring our calls to the third party debt collectors. Ally has since sent this to 3 different debt collectors including XXXX XXXX and most recently XXXX XXXX XXXX. After speaking with these debt collection agencies and sending them all of the correspondence including the attached paperwork below they refuse to pursue the debt and send it back to Ally. 


As you can see from the attachment below a check with was sent with clear terms outlined that it was for full satisfaction and accord, or as provided by UCC 3-311 the claimant sent a conspicuous statement to the person against whom the claim is asserted that communications concerning disputed debts, including an instrument tendered as full satisfaction of a debt, are to be sent to a designated person, office, or place. 

You can then see Ally clearly cashed this check and credited our account with the corresponding amount. From here there has been a never ending flow of calls/paperwork as they pursue this debt and refuse to deal with us directly.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
Complaint sub-issue: Didn't receive services that were advertised

Equifax mishandled my personal information including my name, social security number, address, birthdate, etc., resulting in a data breach in XXXX XXXX. Equifax confirmed I was affected by this breach per their " Potential Impact '' site XXXX. 

Equifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for " trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. They responding saying they do not have this information, and is still will not removing the inquiry. This company is NOT being complaint with the FCRA. This is a violation.
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 and Omni Financial Of XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX submitting this CFPB complaint requesting that they remove the disputed fraudulent accounts and information completely from my Credit report. This complaint is my 6th CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX, XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXX XXXX XXXXXXXX -Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX -Inquiry date : XX/XX/XXXX XXXX XXXX -Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, DP OF EDUC Account # XXXX, US DEPT ED Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, has violated my rights 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 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 Any other adverse item of information, 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 information is inaccurate.
Complaint sub-issue: Received bad information about your loan

After receiving a past due notice, I called on  XXXX  to inform  Nelnet that m y bank showed my {$660.00}  XXXX  payment delivered on  XXXX .  Via speake rphone my wife and I heard :  1 ) Th ere was no record of a paymen t 2 ) T he  XXXX  monthly payment would go to more than {$1000.00} as the  XXXX  payment, listed as regular " regular payment '' on the bill, was for interest only.    3 ) There w as no record of the lost payment and no explanation for the increased monthly amount.    4 ) A fter a transfer to a supervisor, "  XXXX  '' stated that :  a ) A new account number was needed for payments b ) Ther e was no credit listed to the old account.    c ) Service personnel were " Not allowed '' to review income or payment cal culations d ) A 2 month forbearance was offered to give time to resolve the following issu es : 1. Co pies of electronically signed agreements and disclosures - none being available on the website.    2. An Amortization schedule for the current loan 3.   A clear presentation, with figures, of the available loan choices   4. A guarantee that the account will not be listed as past due because of accounting errors.
5 ) On the same day as   the above conversation, my bank e-mailed to say that the payment had been rejected b y Nelnet ( with no notice, to us, or apparently, to the Nelnet staff  ).     Background for this complaint - having  XXXX , in part to deal with my wife 's health issues, I requested an income contingent payment since my income had dropped and would continue to drop ; rising payments ever y two years would quickly become untenable.  The request was rejected until all of our loans were consolidated. After consolidating I was asked to resubmit affidavits stating my income for   XXXX   as well as income for my wife. At that point, even after having been " approved '', I could not get a firm figure over the phone for the payment amount. The story was that calculations were done by an different ( and unreachable ) department and that I would be advised when the payment was determined. I did certify that I would report income changes on a yearly basis but did not see an amortization schedule.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have submitted several disputes with XXXX with no resolution. 
The other 2 credit bureaus XXXX and XXXX updated my balance with the creditor promptly after I submitted the proof that my account balance was incorrect. 
I opened my dispute with XXXX in XX/XX/2021, XX/XX/2021 and again in XX/XX/2021. My dispute is to update that my accounts were paid in full and the balance should be listed as {$0.00}. 

XXXX kept updating the account balance with outdated incorrect account balance information and kept updating/resetting my dispute resolution date whenever I updated my dispute with additional documentation provide by the creditors to help resolve the dispute. 
I continued to get the run around and continued delays in answering phones and they kept sending me back to the creditors to update my credit report. 
My creditors also kept saying XXXX has been provided with updates that my balances were {$0.00}, but my credit report has never been updated to {$0.00} balance. 

As a consumer, it is unfair that Im caught in the middle of the poor communication and being passed back and forth between the creditors and this credit bureau which has negatively impacted my life. 

My creditors in dispute were XXXX and Rise/XXXX 
I advised XXXX that their delay in updating my credit report with valid information was delaying my approval for a mortgage and negatively impact my life and the lives of my family. 
I am still waiting for these creditors to update my balance with XXXX, I would like to add again, that XXXX and XXXX are showing {$0.00} balances with both of these creditors which is accurate.
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. I sent a letter requesting that you re-investigate the disputed account from my credit report as well as place temporarily updated accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Once again, this is my personal, good-faith request for relief under the FCRA. This complaint is a formal notice that you are knowingly reporting inaccurate, incomplete, and unverifiable information regarding the account listed below. I am also disputing reporting law not whether or not an account is mine but whether or not Equifax has the verifiable proof that is required by law to have for the account listed. I am requesting proof of this alleged account, specifically the contract, note, or other instrument bearing my signature. 

Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}
Complaint sub-issue: Information belongs to someone else

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following accounts and inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The company is falsely reporting a late 30 days payment on my account for XX/XX/2021. 
By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due. An overlooked bill won't hurt your credit as long as you pay before the 30-day mark, although you may have to pay a late fee. 
I have never had a 30 days late payment after the due date and as such needs to be immediately removed from my credit report
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax credit report dispute on XX/XX/XXXX. Someone else 's {$360000.00} mortgage balance with a {$3000.00} per month payment beginning XX/XX/XXXX thru XX/XX/XXXX is on our XXXX revolving charge account. Unable to submit online dispute. Web site blow off with timed out or incorrect input data. Unable to make phone contact with a person. They have automated phone numbers for report requests and alerts and freezes, but none for credit dispute issues.