Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

In XXXX, XXXX XXXX provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted XXXX XXXX on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XXXX ) be removed from my credit report. Despite these attempts, a negative report still exists on my Equifax credit summary. Please have this delinquency expeditiously removed from my Equifax credit report. Thank you, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/2020 I paid an outstanding medical bill to XXXX XXXX XXXX of {$640.00}. 
They then informed me that a collection agency had the account. I called AR Resources and informed them the bill was paid. They took my info and verified with XXXX XXXX that the bill had been paid. They told me it would take a couple weeks to update on credit report. It is still on my report as of today as outstanding. I have called and left voicemail several times in the last few months with no return call.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently tried to dispute over the phone with Equifax on XX/XX/2022 the below listed hard inquiries as well. I was informed by the agent that they would be deleted in 24-48 hours. Instead, I received a report # XXXX in exactly 2 days later stating that the hard inquiries were FACTUAL. I know that Equifax did not truly do their due diligence to confirm this information as factual because I should not have received a report so soon had a thorough investigation been completed. This information listed below this is not true, I do not hold accounts with these companies, and they all need to be deleted immediately. The accounts are as follows : 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: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Complaint sub-issue: Account terms

The XXXX and equifax are reporting the XXXX debt more current and its actually a year older
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXXXXXXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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: Reporting company used your report improperly

I looked up my consumer report and noticed a couple of items on there that should not be on there. I sent several letter to consumer reporting agency over the past year and they refuse to rectify their reporting. They keep saying they verified the items with a third party consumer reporting agency. Last i checked, they are suppose to conduct an investigation that consist of interviewing my neighbors, family, and friends. None of that took place. I also read in the permissible purposes section that ANY consumer reporting agency has to have my written consent in order to furnish my consumer report. I did not give my written consent to ANY consumer reporting agency. Therefore, they are violating my rights as a federally protected consumer. 

The accounts in question are : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1000.00}
Complaint sub-issue: Attempted to collect wrong amount

To Whom It Concern I disputed an open collection account with  Hunter Warfield Inc on   XX/XX/2017    in regards to an account for original creditor   XXXX   XXXX   for the amount of {$750.00}. For the record I requested debt validation for the debt due to me not being 100 % positive as to who I owe this debt to. I tried researching and to my understanding   XXXX   XXXX   is a property management company. I have currently been living at my recent place of residence for more than for  XXXX  years. In my previous residence I lived for more than  XXXX  years my lease was not broken and unit was properly cleaned and taken care of. Any damages that would 've been noted were due to normal wear and tear due to the fact that I was there for more than 7 years in which the property would assume responsibility. If indeed this company believes I owe any additional monies I believe that my rights to a itemized listing of whats owed is due to me in which they have not replied to my request in the pa st 30 or m ore days. This company has gone to great lengths to change wording and spellings of names and listings of multiple address that makes it hard for the consumer to properly request info thats needed. I ask that if this company can not provide proper documentation within a timely manner that all negative reporting be removed from all of my credit reports.  <P/> Thanks  Advance
Complaint sub-issue: Debt is not yours

Allied Insterstate LLC XXXX is a 3rd party and they along with XXXX XXXX XXXX XXXX have been harassing me under a former married name as well as calling and sending mail to my job demanding a wage garnishment for a Federal Student Loan and threatening my job with suing them if they do not comply. 

The harassment started when I applied for my first Credit Card ( XXXX XXXX ) in my life through the XXXX XXXX Link. 

I never had a Student Loan and am a client of XXXX XXXX XXXX because I am a Identity Theft victim. 

The Law firm as let me know that there has never been a student loan on my credit report not now or ever and that goes for all 3 credit bureaus. 
XXXX XXXX XXXX has stated on their recorded line that these 2 companies are a known scam companies. They have also stated on their recorded line that if my job did the garnishment that all of my jobs info as well as finances of the company the scammers would have access to. 

I need for the harassment to STOP ASAP. 

Many thanks,
Complaint sub-issue: Information belongs to someone else

A while back I lost my purse with all personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}
Complaint sub-issue: Other problem

On XX/XX/XXXX, I was informed that my credit limits were decreased on my two Citibank credit cards to within {$100.00} of my balance. I was told they were decreased due to the annual review of my credit report. Within three days of this, two other credit card companies did the same thing. My credit score then dropped from XXXX to XXXX. Then on XX/XX/XXXX and XXXX, Citibank reduced my limits again. Citibank stated it was due to another review of my credit report. When asked why my accounts were being reviewed for the second time in four months, I was told " the letter sent to you explains it all ''. All the letter says is it was due to a review of my report and my balance to limit was too high. My limit to balance is going to be high if my creditors constantly reduce my limit to just above my balance. I have never missed a single payment on any of my credit cards and there was no reason for Citibank to review my credit reports again. This isn't the first time Citi has done this. They did it three times in XXXX also but didn't reduce my limits. One was increased. I know they have the right to review and change my limits based on my report. But they are telling me that it is random reviews and twice in four months along with three times two years ago is not random. I fear that if this quarterly review keeps occurring, my credit score will continue to drop causing my other cards to follow suit, creating a credit nightmare for me and my future.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has a collection of {$900.00} from ERC. This apparently was from a XXXX XXXX account. I have never had XXXX XXXX in my life. I spoke to a rep at XXXX XXXX in XX/XX/XXXX, and they said they had no record for me. I have disputed this several times with XXXX, but every time I do, ERC reports it as just opened. I spoke to an XXXX rep and the latest dispute was XX/XX/XXXX, and ERC reported it opened in XX/XX/XXXX. How does that even make sense? I 'm trying to buy a house.
Complaint sub-issue: Account status incorrect

I moved in XXXX and closed my Internet provider account at XXXX XXXX XXXX in good standing. I returned their equipment back to them in a timely matter. Somehow by XX/XX/XXXX the billing department sent me a refund check for {$160.00}. I called XXXX XXXX XXXX and spoke to XXXX in the billing department to report the mistake. She explained it was sent to me in error and the check would be cancelled and my account is good and closed. They mailed me a letter on XX/XX/XXXX stating I need to make a payment to them in the amount of {$160.00}. I called them on XX/XX/XXXX ( 15 days later ) and Spoke to XXXX XXXX XXXX in the billing department to clear up the misunderstanding. I never cashed the check ( I still have it ). They said my account was sent to an outside collection agency ( only 15 days later ). I explained it should not have been sent to an outside agency because first I returned the equipment and second I do not owe any money and third because I called right away to clear the matter up. I also sent them proof of the returned equipment, I sent proof I never cashed the check sent in error so there could be no way I owe them. The matter was told to me that they fixed the issue and my account was now all resolved and I did not owe any money. I then got a letter from the collection agency ERC trying to collect on the debt from XXXX XXXX XXXX in the amount of {$160.00}. I contacted the collection agency and sent them my proof of my documentation that I sent to XXXX XXXX XXXX before it was sent to them. They put the issue on hold. I got a credit report to find the collection still being reported on my credit report two years later. I contacted the collection agency in XX/XX/XXXX to ask why it was still showing on my credit report. They explained XXXX XXXX XXXX still listed me as oweing them the {$160.00} so they could only put the account on " hold '' and XXXX XXXX XXXX must correct the problem. I have been denied car loans, credit cards, and have suffered a lower credit score for over two years from this issue that was pushed by XXXX XXXX XXXX even though I had sent proof of not oweing them. I called XXXX XXXX XXXX  on XX/XX/XXXX to complain and report the harm their incorrect reporting of oweing them has had on me for over two years. XXXX and supervior in Billing acknowledge that the notes on the account shows that it should have never been sent to collection and should have been fixed several times I called in to report the problem. They keep promising to clear it up but by now i feel what was done was fraud and damaged me as a person and my credit rating all these years for and error I clear up several times.
Complaint sub-issue: Didn't receive enough information to verify debt

I have sent you a written request to validate my debt having account no. XXXX on XX/XX/2021. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have received no reply from you except the confirmation ( by mail ) that you did receive my request for validation of debt on XX/XX/2021. However, the credit bureaus have already sent in their " verified '' documents. 

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00}, which I can collect by filing a claim in the small claims court. I intend to follow through with the claim if I don't hear back from you within the next 15 calendar days.

This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character, as any negative marking on my credit report would adversely affect my credit. I hope your legal staff will agree that non-compliance with this request could lead your company to serious legal trouble with the FTC and other state/federal agencies. 

I am demanding immediate removal of this account from your firm records and my credit report if reported and a copy of such deletion ( to any/all of the major credit reporting bureaus : XXXX, XXXX, XXXX, XXXX, or any third party ) request shall be sent to me immediately. 

IMPORTANT : PLEASE CONSIDER THIS LETTER AS A NOTICE OF INTENT TO FILE A LAWSUIT, WHERE I RESERVE MY LEGAL RIGHT TO START LITIGATION WITHOUT PROVIDING A FUTURE NOTICE. 

I am waiting for your immediate action to my requests.
Complaint sub-issue: Information belongs to someone else

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

Nemo 's Collection agency reported a fraudulent debt on my credit account creating a derogatory mark on my credit report. This mark and additional account negatively impacted my credit score and opportunity to get a car loan. This company does not perform due diligence in their matters which adversely impact those they report against ; seemingly without retribution for their negligence.
Complaint sub-issue: Public record

Credit agencies XXXX Equifax , XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Complaint sub-issue: Received bad information about your loan

My loan was transferred from XXXX to NelNet. The balance may be accurate, although I believed it to be lower, the problem lies with the verification, none of my payment history transferred over, my wife 's loans were transferred to a new provider and her complete payment history is available, the same is true for some of my other friends. This feels deceitful and predatory, it feels like they're hiding information from me for a reason I can only assume benefits them and costs me. How am I supposed to know the balance is correct? Shouldn't a complete payment history be included in the transfer to the new loan servicer?
Complaint sub-issue: Personal information

Date : XXXX/XXXX/XXXX To Whom It May Concern : Equifax XXXX XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my I am not able to access my credit file my public information is missing personal credit reports is nowhere to be found please update my correct address Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have been living there since XXXX/XXXX/XXXX If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

EQUIFAX XXXX XXXX/XXXX/XXXX XXXX AM NO XXXX XXXX INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE Name : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX since XXXX/XXXX/XXXX Please update my phone number to my public record Home Telephone Number XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX