Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
Complaint sub-issue: Debt is not mine

I contacted this agency because they are stating that I owe a balance on behalf of their client. The client ( XXXX XXXX XXXX XXXX ) went out of business. The hospital XXXX XXXX Hospital stated that they have nothing to do with Procollect and do not have a claim against me. I contacted the insurance company ( XXXX ) and they stated that they never received a claim for this alleged bill. I requested the name of the physician who has placed this bill in collections and Procollect would not provide that information. This company will not provide me with the original account information nor will they provide me with an account number. I believe that they are fraudulently trying to collect on old accounts that no longer exist. My name was previously XXXX and when I visited the hospital XXXX/XXXX/2015, I had full insurance through my employer who was XXXX at the time. I have never heard anything about this alleged bill or account until just recently.
Complaint sub-issue: Their investigation did not fix an error on your report

I am very frustrated at this time, my concern was not properly handled by Equifax and XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Complaint sub-issue: Personal information

There was an update on an address that was just updated and its not mine I want it removed and investigated
Complaint sub-issue: Information belongs to someone else

My Name is XXXX XXXX, and somebody has stollen my Identity.
Complaint sub-issue: Their investigation did not fix an error on your report

n accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX  XXXX account # XXXX XXXXt account # XXXX XXXX  Account # 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: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Personal information incorrect

I have requested to credit agencies several times that my name reporting is wrong. I have called, fax documents and nothing has been done. I have only had 2 legal names in my life one is XXXX XXXX XXXX and my married name is XXXX XXXX, I have never used any other names, like you guys report in my credit, I need for equifax to comply with my request and please, move forward with my request.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a a letter in regards to inaccurate and unknown things on me credit report. Over 30 days later I have not received a response. Section 611 ( a ) states that failure to investigate these items within 30 days gives reasons to immediately to remove items those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint against Equifax , because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. It has been over 30 days. So this account is supposed to be removed from my credit report according to the FCRA. 

Also Equifax put back an unauthorized inquiry that was deleted off my credit report in XXXX 2016. I have proof that it was deleted XXXX 2016. The included attachment shows it was deleted XXXX XXXX, 2016. It is item # XXXX on the enclosed attached, XXXX.They re inserted it back on my credit report the next day. I have been writing them since XXXX 2016 and sending them the proof that it was deleted. But they ignore me and continue to list it on my credit report. I had read somewhere that they must send you a written letter giving you 5 days notice that a deleted account will be placed back on your credit report. This was not an account, but an unauthorized inquiry due to identity theft. Please help me get these issues fixed. Thanks
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This my complaint because it seems Citi lied in there response. I have attached 2 different documents from Citi banks named Document and document 2 for review as against what citi send to CFBP. Also I attached my XX/XX/2020 statements because citi is requesting I make the payment because they did not make any move to XXXX. I have also attached XXXX  statement on the payment because Citi have refused to accept payment from XXXX.
Complaint sub-issue: Investigation took more than 30 days

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed a lot of inquires on, XXXX  credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted XXXX and equifax and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.
Complaint sub-issue: Billing dispute for services

I called Mohela in XX/XX/2017to let them know I am not a student at the school anymore the school continue charging the loan company. When I call the school no one in Finacial Aid is speaking to me. I did not graduated from the school I left and transfer to a accredited school
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Balance : {$14000.00}, XXXX. XXXX, XXXX ), XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ). XXXX XXXX  ( Date OpenedXXXXXXXX  XXXX, XXXX, Balance : {$22000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00} ), XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$560.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I took a small XXXX loan out for my son in XXXX. The original loan from XXXX XXXX XXXX XXXX XXXX was sold to another company, XXXX in XX/XX/XXXX and came due in XX/XX/XXXX. 

I never received notification of the changes that a new lender was handling the loan or that the loan was due because the contact information of the new lender was screened out of my e-mail- The new Lender being XXXX not XXXX XXXX. 

I have followed my credit rating score for 10 years on a monthly basis. I have had very good to excellent credit during this time frame. 

In XX/XX/XXXX there was a sudden HUGE drop on my credit score. I immediately pulled a full credit report and saw that XXXX had posted 90 days of delinquencies on my credit report. I immediately called them and explained that I had never received notification that the original loan had changed companies so was completely unaware the loan was due. My husband and I were following the original student loan summary from XXXX College 's financial aid office. 

In addition to this my son was in the process of joining XXXX, and seeking loan deferments from his student loans which we had received current contact information about. 

I explained the situation to XXXX, immediately paid the balance due and set up auto pay on-line. When I asked them to please recind the delinquencies, or forgive them given the circumstances they were completely unwilling to work with me. 

My credit is ESSENTIAL to my family and me because my husband recently became permanently XXXX due to an XXXX XXXX. I will provide any documentation needed. I work for a XXXX XXXX XXXX XXXX and a XXXX XXXX as a XXXX. 

I am requesting your help for recinding the delinquencies on my credit report. 
Any help you can give would be greatly appreciated.
Complaint sub-issue: Didn't receive enough information to verify debt

I recently requested a copy of my credit report and noticed someone open an account with XXXX XXXX I never went in to the stores never handed a XXXX employee my id and never had an account open I've been with XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX through XX/XX/2018, I contacted all three credit reporting agencies and requested a deletion of the Credit Card Company 's account of delinquency. I thought one of the agencies removed/deleted the bad 'mark. ' However, the XXXX XXXX 's XXXX XXXX said it still remand. I had a sickness and a death in the family which prevented me from pursuing after I sent verification of my identification to the credit agencies. Please, read my concern and attachments. Thank you for your anticipated cooperation and I look forward in hearing from you. 

With Warm Regards, XXXX
Complaint sub-issue: Investigation took more than 30 days

I have not been trying to this dispute these items multiple times and been reaching out to all three bureaus and nobody has contacted me about why these items on my report are still here its been 60 days and nothing I need it to be removed I am trying buy a house and this has been affecting me tremendously
Complaint sub-issue: Problem making or receiving payments

I'm trying to attach my checking account to XXXX. The response is that my institution won't allow it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.
Complaint sub-issue: Need information about your loan balance or loan terms

On XX/XX/2021 I sent a letter, by certified mail, requesting original instrument of indebtedness in its original form to Sallie Mae which of delivered on XX/XX/2021. The letter also asked for a response back on or before XX/XX/2021 ; no response was given. On XX/XX/2021 I sent another letter via certified mail requesting the instrument of indebtedness in its original form and requesting a response on or by XX/XX/2021, which was delivered XX/XX/2021 ; no response was given. On XX/XX/2021 I sent two notarized affidavits of mailing including copies of both letters requesting the above matters which was delevered XX/XX/2021 ; requesting the original instrument of indebtedness in its original form or the matter be settled legally and financially.
Complaint sub-issue: Not given enough info to verify debt

I have disputed this debt twice for it does not belong to me. I have just been out of XXXX for a year or so. I was a kid and under age, not responsible for this debt.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX quoted us ( homeowners ) up to {$1200.00} for complete water remediation AND repairs to our property. Nothing was signed by us but we agreed to pay a {$600.00} deposit to start. We never received a price list nor a written estimate. After water remediation was done XXXX sent us bill for {$1700.00}. We complained and they reduced bill to {$1200.00}. They never started any repairs so we did not pay any additional funds. Now we are getting collection notices from N.A.R. a collection agency demanding {$650.00}. As XXXX the work ( repairs ) was never completed we refuse to pay. In addition, our tenant has received a collection notice from N.A.R. for the same invoice but for the amount of {$1700.00}. Our tenant called N.A.R. and asked questions and was told he had to pay in full by XXXX XXXX or his credit score would be affected.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX.EQ is reporting XX/XX/XXXX. 

Equifax is reporting a balanced owed as {$890.00}, XXXX  is reporting {$890.00} and XXXX is reporting {$820.00} XXXX is also reporting a past due balance of XXXX on my equifax report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, Equifax is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also XXXX  is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation. 


Under FCRA 15, U.S.C section 1681 and FDCPA 15. U.S.S section 1692 XXXX erroneously attributed debts to my report, and has failed to properly validate.
Complaint sub-issue: Debt is not yours

I have never had a XXXX account. I sent several letters to the collection agency and the credit bureaus in order to verify this debt and to let them know I never had a XXXX account and nothing has been done
Complaint sub-issue: Information belongs to someone else

There was a credit account opened under my name due to identity theft. I disputed the information with  XXXX  and  XXXX  by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$27000.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Please see below account # XXXX is a old XXXX XXXX credit line opened in XX/XX/XXXX and paid off in XX/XX/XXXX. 
I just noticed for no apparent reason XXXX XXXX has reported this old paid off account to the credit reporting agencies a FORECLOSURE PROCEEDINGS STARTED I am a 20 plus year XXXX XXXX Customer and owe absolutely nothing and have never been a day late on any obligation. I called the XXXX XXXX Foreclosure department and they could not give me any reason this was reporting and did verify nothing was owed on the account and it was a {$0.00} balance. The XXXX XXXX Representative said the only way to fix this was I had to write this letter to have it removed. 
Please remove this fictitious credit rating.
Complaint sub-issue: Information belongs to someone else

I was part of the Equifax data breach. Now there are a pair of fraudulent claims on my Equifax report attributed to " XXXX ''. For many months I have tried to get Equifax to remove the fraudulent items, but they refuse. They refuse to provide any proof with a signature. They will only say that they have checked with XXXX and XXXX says it is real. ( That doesn't prove anything. ) I filed a previous complaint with CFPB and Equifax waited two full months ( already a violation ) to say that it is real and once again provided NO proof other than saying XXXX says it is real. They need to remove it from my report. It is fraud and they are helping commit it. The reason they will show nothing with my signature is because it doesn't exist. 

They are repeatedly violating federal law by refusing to remove it. They are violating federal law by fraudulently claiming they investigated, which they didn't. I want to file a legal complaint against them. It is bad enough they gave out all my personal data in the data breach, but now they aren't even helping to clean up the mess like they agreed in the settlement. 

For the record, the other two bureaus agreed it was fraud and removed it. They aren't intent on breaking the law. 

I'm tired of going in circles about this. CFPB, please start enforcing the law. Don't allow fraud. Don't allow extortion through manufactured ( ie fake ) debts that never existed. Whoever is reading this : imagine if someone falsified a debt that you owe them money, with no proof, and reported it to the credit bureaus and said the only way it is coming down is if you pay the false debt. Now imagine one of the bureaus backs them up. That's exactly what is happening here and it is illegal. Equifax is breaking the law. Enforce the law.
Complaint sub-issue: Investigation took more than 30 days

I mailed letters via certified mail requesting that they verify the alleged debt that the company claims I owe. The tracking from the USPS shows the letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have not received any proof that the company validated the debt. The accounts are not in dispute either. Per the FCRA, 30 days is the limit for these investigations, I've been more than patient for 210 days and I still have received no results.