Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed this account several times, received no validation. I do not owe this nor have ever received verification Grant and weber # XXXX
Complaint sub-issue: Investigation took more than 30 days

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Complaint sub-issue: Billing problem

I was under an Ally Auto, Loan Agreed Payment Arrangements Ref # XXXX. My payment, and payment date was altered from the original contract. I have NOT been late on my payments, and furthermore met all the agreement terms as instructed by Ally in their correspondence. I faithfully paid my auto loan monthly. Checking my bank records, they take over a week to process my mailed in check thus making it appear I am late. 
I have tried paying Ally Auto, electronically, by check in the mail, and before the due date the 30th of each month. Reviewing my bank records, it is clear Ally Received my payments on time. 

I have had nothing but trouble with Ally Auto, from the very beginning of the loan. Reviewing on line complaint organizations, Ally Auto, is number one in customer complaints, and notorious in charging various miscellaneous late fees and extra charges. 

I have written, called and even wrote their customer complaint depart, with no results, just more billings of extra late fees, and charges. This is consumer abuse in its ugliest form. 

Please, someone help me with the beast Ally Auto. I have paid them faithfully every month, but due to their accounts payable system, the checks I send in advance take over a week to clear my account. I do not have any other problem with my routine monthly bills for other accounts, just Ally Auto. 

Here is my payment record for the last eight months which is taken from my bank records : XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment Please note, that they always take over a week to process my check, thus applying a late fee, upon the delayed deposit for payment in my bank. I send the check well in advance of the due date, allowing time for the mail to deliver the check to them. 

Now Ally Auto is claiming that I missed the last two payments in XXXX and XXXX or this year. They are demanding {$1800.00}, in past due payments, late fees and charges. Please help.
Complaint sub-issue: Debt was result of identity theft

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
DISCOVERBANK, balance is {$0.00}, and account # XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

this 3rd party company did not validate this information with whomever is reporting this information about me and provide full documentation associated with this including my signature that contractually binds me to this account. as asked in previous disputes to the cb they have yet to provide the information that i have asked for under my rights of the fcra they have not verified anything only harassing me by phone and mail to collect a debt that i have no knowledge of and i have no idea how this company got my personal information i have sent letters to the CBs requesting validation which was received all by certified mail return receipts.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX XXXX  ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.
Complaint sub-issue: Account status incorrect

On XX/XX/2021, I requested from XXXX XXXX for a credit line increase from XXXX of my credit cards, and it was denied. XXXX of the reasons given were incorrect, and the credit score was from XX/XX/2021. 

On XX/XX/2021, I called the XXXX number on the back of my CC and went into the branch on XXXX XXXX, XXXX, VA. Both said I was XXXX  so what is my problem? And there is no one I can talk to. 

I explained that it's not about being XXXX  but the bank used the score from XX/XX/2021, instead of XX/XX/2021. I want to make sure that if I were to apply for credit in the future, the bank or any bank would have the correct data. 

In addition, I mentioned that I paid off a lot of my CC and monitored my credit monthly, and I'm confident this way of doing business is incorrect. 

Both on the phone and at the branch, the operator told me to call Equifax claimed that they provided XXXX XXXX with incorrect information. My response is untrue, as I monitor my credit monthly, and both XXXX and Equifax have the correct information. 

My last attempt was to call Equifax and asked for help as I'm not getting any results from XXXX XXXX. Equifax told me to reach out to you, as it's why I'm writing.
Complaint sub-issue: Account opened as a result of fraud

The following Citibank Client Services checking account : XXXX is fraudulent, unauthorized and not my checking account. I never applied for a checking account online with Citibank.The checking account isnt my account and dont belong to me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status incorrect

This account does not belong to me and is being reported on my account. I want to have it removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following is a list of hard inquires on my XXXX credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible 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 Thank you
Complaint sub-issue: Reporting company used your report improperly

Do to a number of FDCPA VIOLATIONS Ive noticed on my Consumer report I would like the following inquiries/accounts removed from my Consumer report. Please see attached documents.
Complaint sub-issue: Information belongs to someone else

discover XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX did their investigation sent po dept to the creditors and ftc violations but the above references company will not quit calling me asking for a debt that is not owed which is a Violation of the FCRA
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct # XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I moved recently, last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 12 separate fraudulent accounts ranging from credits cards to small loans. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. 
Accounts in question : Creditor Date Opened Balance XXXX XXXX XXXX. XX/XX/XXXX {$680.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX  XX/XX/XXXX {$95.00} XXXX XX/XX/XXXX {$760.00} California XXXX XXXX XX/XX/XXXX {$1700.00} California XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX  XX/XX/XXXX {$640.00} XXXX XXXX XXXX  XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$1300.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Complaint sub-issue: Their investigation did not fix an error on your report

ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020
Complaint sub-issue: Keep getting calls about my loan

I was a co-signer on an original student loan, my son refinanced it through Discover student loans. 

They call me at all hours, leave messages. They leave their number but never a name of the company. Just that it is an important business transaction WHen I speak to them the payment is not overdue, they are calling 5 days before it is past due. I direct them to check their on line system, and when they do every time the rep. says that the payment was made within the last XXXX or 36 hours. Then they hang up. 

I have told them time and time again, I am only the co-signer possibly, and not to call me until the debt is overdue, and they refuse to accept this. I get these calls regularly.
Complaint sub-issue: Problem while selling or giving up the vehicle

The lease on my XXXX XXXX XXXX was scheduled to end on XX/XX/2018. 

I turned in the car to the dealership on XX/XX/2018. 

My lease with US Bank is paid with an automatic monthly ACH, withdrawn on the XXXX of the month. 

On XX/XX/2018 I noticed that US Bank still showed my account to be scheduled for an auto payment on my lease in the standard amount of {$510.00}. 

On XX/XX/2018 I called US Bank to request that the payment be stopped. 

US Bank Customer Service Department and Lease Maturity Department informed me that it was too late to stop the ACH and the only way for the payment to not go through would be to set up a Stop Payment with my bank ( XXXX  ). They said if I didn't stop the payment and it went through, I could call back after it clears to request a refund. 

I called XXXX to request a stop payment. I was informed that the fee was {$35.00}, I had no interest in paying {$35.00} to fix the error on behalf of US Bank. 

On XX/XX/XXXX, the payment cleared ACH from XXXX to US Bank. 

On XX/XX/XXXX, I called US Bank to request the refund. I was informed by XXXX XXXX ( Manager, XXXX XXXX ) that the policy was to hold my money until after the inspection was completed and a final bill was generated. 

This is fraud. 

US Bank was unauthorized to take the {$510.00}. 

This was the 49th payment of a 48 month lease. I did not give my authorization nor consent to take a lease payment for a vehicle that I had turned in. 

US Bank was aware that the vehicle was no longer in my possession and had been turned in. 

Not only was US Bank aware that the vehicle had been returned, further, they were aware that it had been turned in on time and under mileage -- both noted by the paperwork submitted by the dealership and confirmed to be received by US Bank on XX/XX/XXXX ). 

Mr. XXXX stated in no uncertain terms that they were unwilling to refund this lease payment until after a period of 4-6 weeks when they had generated a final bill. They are unauthorized to be in receipt of these funds. Nor are they authorized to use these funds to pay any final bill that may be associated with the termination of my lease with them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There are several payments on my XXXX and XXXX accounts reporting as late though I have never paid late. Report states that I am 90 days late when there are no late payments prior to that? I have attached all bank transactions and statements that belong to this company that would prove my payments were not made late as inaccurately being reported therefore these late payments are unverified and need to be removed immediately Last verified date for XXXX shows XX/XX/2017. 

I have attached a no delinquency letter obtained from XXXX website as well as payment history from XXXX.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, my information has been compromise in equifax data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for XXXX credit, insurance, employment or other services XXXX with your company. 
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 
To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. 
Sincerely, XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Company has not provided documents stating account was open XX/XX/2019 2019
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern : On XX/XX/2020 a call was received from a XXXX XXXX XXXX  regarding FHA Streamline Loan. After discussing terms with XXXX XXXX at XXXX XXXX we were re-assured this would NOT be a hard inquiry on our credit. So, it was to our surprise to find one on our credit from this company. We NEVER authorized a hard inquiry as we have been comparing and considering our options to find what company best fits our needs. We have spoken with a number of companies and, this is the first that has caused this inquiry to impact our credit. Im demanding this inquiry be researched as it was not authorized and XXXX was dishonest about what he was doing. A number of times we asked & expressed a clearly that we didn't want a hard inquiry on our credit. There were attempts to call him and request a correction of his error. We have been unsuccessful. We XXXX, and attempted to talk with XXXX 's employer at XXXX XXXX directly. Unfortunately, weve not heard back from them either. We are asking credit agencies to remove this inquiry immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2018 I sent a letter to verify the validity of a collection account from an apartment complex I previously resided in on my Equifax/XXXX credit report. I called the original creditor to validate the claim and I sent a letter to Equifax/XXXX. The original creditor said my account information was archived and they did not have it at this moment but would contact me once those records were pulled. They never contacted me. I received a letter back from Equifax/XXXX saying they have verified the validity of the account but did not include such information with the response. Also, they have not sent me a copy of the information from the creditor to verify for myself. I have sent follow up letters subsequent to the XX/XX/XXXX request for this information and as of today XX/XX/2018 I have still not received any information from the creditor or Equifax/XXXX verifying that I owe this debt I am vehemently disputing. This is causing me terrible distress as I am willing to pay any debt that I owe but I am positive that I do NOT owe this debt.
Complaint sub-issue: Account information incorrect

On XX/XX/17 BB & T bank did two hard hits on my credit via XXXX. I have been complaining to BB & T bank since I received a report of the double hit. Finally after many inquiries to BB & T they sent me a letter admitting that they accidentally hit my credit twice for the same thing. They said that they are human and theyre not perfect. They also said that they asked XXXX to remove one of the hits and that XXXX   complied by removing one of the double hits. 
I have a credit monitoring service which shows that both hits still show on my credit. 
I took that to BB & T bank to show them and two days later I received a call from them saying that corporate said that the problem had been fixed. 
I logged into Trusted ID and I still see both hard hits from BB & T bank. 
I cant get anywhere with this bank so I am asking for help proving that they did a double hit which caused my score to go down 78 points, give it take 2 points. I have done all that I can do to try to fix the problem that BB & T bank caused. And I have not got anywhere with them. 
I strongly feel that BB & T is purposefully lying to me regarding this matter, and I will not allow them to damage my hard earned credit score and get away with it. 
So Im writing you to ask for help to get that extra hit removed from my credit. 

Thank you Mr. XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent both Equifax and XXXX a letter requesting that they verify and validate information that they are reporting on my credit report and I also requested WRITTEN validation and verification that the previously disputed items they are being paid to list on my credit file. 

This is my 3rd request and they have not sent anything to me. per federal law they are required to. As I have previously written them that their is someone else that bears my same name and the accounts that they are listing on my report is inaccurate and that a proper investigation needs to be conducted not just a letter sent to me stating that they completed the investigation and no results sent to me.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

We are requesting that they abide by the Federal Laws in this matter.
Complaint sub-issue: Debt was paid

Jefferson Capital Systems had for some reason put a collection mark on my credit account for XXXX XXXX which I paid through a debt relief company called XXXX. For some reason Jefferson Capital bought it even though I settled and paid for it! I tried calling for them to take it off but person was being rude over the phone. I tried stating that it was paid and he just kept saying that it was not his problem and wanted proof. How is it my fault if they bought the debt off a company that did not tell them it was paid. Now they wont take it off my report.
Complaint sub-issue: Debt is not yours

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Complaint sub-issue: Debt is not yours

I received notification from XXXX that there was a collection on my account from XXXX XXXX XXXX XXXX for the Dollar Loan Center in the amount of {$830.00}. I have never had a loan with the Dollar Loan Center.