Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

These account don't belong to me and I want them removed from my report please. 
Creditor : XXXX XXXX XX/XX/XXXX Amount : {$1100.00} Creditor : XXXX XXXX XX/XX/XXXX Amount : {$230.00} Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$460.00} Creditor : XXXX XXXX Amount : {$230.00} Creditor : XXXX Amount : {$460.00} Creditor : XXXX Amount : {$490.00} Creditor : XXXX XXXX XXXX Amount : {$5000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is from me XXXX XXXX the person not from a third party company or any other person but me this is a real complaint. 
I am the victim of identity theft, i sent in a report and everything that ftc said that i should to get the identity theft removed from my credit but the credit bureaus did not remove any of the accounts that were included in the identity theft.
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 XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 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 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: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.
Complaint sub-issue: Overdrafts and overdraft fees

Citi bank has made two grave financial errors on my account the first being them providing too much credit for a dispute and the second allowing the account to be overdrawn causes 4 overdrafts and related fees
Complaint sub-issue: Personal information

I asked for identity verification with Equifax. Even though I submitted an id and my social security number via fax 3 times I never heard from them. When I called they could never find any record. I sent in that information by mail and never hard from them. 
Even though I 've done everything exactly as I had been asked to do I can not get information as to what is in my records.
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX   XXXX XXXX Account # XXXX CONTACT INFORMATION Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This account is reporting as a charge off and this account is not charged off and the credit agreed to remove it off my credit report. Please remove it off my credit report as this account is in error and does not belong to me XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX  XXXX/XXXX   Account # XXXX CONTACT INFORMATION XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX, OH XXXX This account states that I was 30 days late on XX/XX/XXXX, and XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report
Complaint sub-issue: Information belongs to someone else

Thus Company has failed to Validate thus Debt I have been sending Identity thief reports and numerous Validation letters for the last 65 days they failed to respond
Complaint sub-issue: Problem getting report or credit score

not able to get Equifax report are XXXX repot there are XXXX credit card on my name XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I have sent out multiple letters for some of the accounts I'm seeing on my credit report. It has been well over the 30 day window. I sent letters to the bureaus on the following dates : XX/XX/2021 XX/XX/2021 Just need to know if anyone has heard anything?
Complaint sub-issue: Debt is not mine

In XXXX, I turned in all my equipment to XXXX XXXX and paid all balances due ; I was not late nor did I owe and past due billings. I even ask the CSR if there would be any further billing. Two months later I received a {$60.00} bill, I immediately disputed the bill. Six months later it showed up on my credit report. I disputed the bill and it was removed in a timely manner. 
IN XXXX XXXX XXXX turned the bill over to Enhanced Recovery Company of XXXX, FL. I disputed the billing immediately. Instead of investigating or contacting me, they files a collection on my credit bureau reports and that decreased my score substantially. 
I have sent ERC a letter to have the item removed and I have had no success. I need your help with this matter as this is unfair and incorrect and should be removed and finalized and I should not have to deal with this every few years over and over.
Complaint sub-issue: Old information reappears or never goes away

There is a XXXX XXXX XXXX that is very old. We have tried to get that off of Equifax, XXXX  and XXXX. It keeps staying. It says it is past due. It should be off of the Credit report. This is {$460.00}. We need this off. It is from 2012. 

Also, It is bringing the score down. We tried to get a lower interest rate, but Equifax keeps this on there. 

There is also a Collections from XXXX XXXX XXXX from XXXX. We have tried to get this off, because we never received a bill from XXXX. XXXX XXXX XXXX keeps that on there. It is not ours. This is {$180.00}.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Afni, INC. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX File Number : XXXX RE : XXXX XXXX  Balance {$710.00} Dear XXXX, XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas, Consumer Protection and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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  XXXX Bankruptcy Case Number : XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt is not yours

Alltran sent me a debt collection notice yet I do not owe the debt. I have asked them to provide both verification and validation ( attached letter ) and not response has been received which leads me to believe that they do not have any supporting documentation in the form of a original agreement.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax in several occasions with the concern that there are inquiries I did not authorize. I had a fraud alert requesting a phone call to prove identity on my equifax file for a number of months, yet inquiries were popping up and no one was contacting me when my credit file was being pulled. I contacted equifax and spoke with them about my concern and possible fraud on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ( See attaches file with dispute dates ). Each time I was told they would not remove inquiries, I would need to contact the company that pulled my file. I contacted all of the companies and they stated I needed to speak to Equifax. When I went back to Equifax with this information they stated they still would not remove inquiries. After a few phone calls they did a dispute but still did not remove inquiries or provide proof that I submitted my information to be pulled ( which I did not. I explained it was fraud, hence the fraud alert ).
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to Equifax and XXXX notifying them that they were in violation of the FCRA and of requisite XXXX XXXX Complaint reporting standards. I have the right to a fair and accurate report, but Equifax and XXXX are illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX on my credit report as a charge off with a past due balance of {$7500.00}. Equifax, XXXX, and XXXX are also reporting an alleged account listed with XXXX XXXX XXXX XXXX as a collection with a past due balance of {$3000.00}.
Complaint sub-issue: Public record information inaccurate

I have been in constant communication with XXXX about the continuous defamation of character. There have been multiple disputes, a cease and desist and and notice to cure sent to this organization. The company has fictitiously reported an alleged debt in the amount of {$380.00} to the XXXX XXXX  and the credit reporting agencies on my behalf. As a consumer my privacy and rights were willfully violated. There was an admission of breaching my privacy by XXXX XXXX The first erroneous statement is that, he stated I had an alleged translation in the amount of XXXX. He claimed it caused my account to be overdrawn XXXX. Although the amount reported is less. This is confirmation this is an error and attempt to coerce me into making an unnecessary payment. This error has caused me to be denied my basic rights. This fictious charge off is coming up on every occasion. I have been denied a safe and sufficient place over my sons head. This nightmare is hunting me. It has caused my mental health to decline.
Complaint sub-issue: Account status

I submitted multiple disputes with Equifax regarding acct identifier : XXXX. This acct was closed in XXXX and was Paid in Full on XXXX. For absolutely no reason, Equifax added the following status : Open, Collection and " C '' mark on payment history in XXXX XXXX, more than 1.5 years after account was closed. This resulted in being denied for credit 3 times when they pulled the Equifax credit report and informed me that I had current delinquency : XXXX Bank XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX. I have submitted disputes on XXXX occasions attempting to correct this issue : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX Equifax did not correct the status of the acct to Paid, Closed but instead it has removed all status and left it blank. Furthermore, the Payment History still shows a " C '' mark for XXXX meaning the account is still in collection. This is contrary to the acct status of paid, closed. I called XXXX XXXX who insisted they report correctly. As it stands now, I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that XXXX is at fault for willful negligence in not removing the Collection mark for the month of XXXX. 
After the last dispute, Equifax reported the following : " We have verified that this item has been reported correctly. The date closed has been updated. Additional information has been provided from the original source regarding this item. The last payment date and date of last activity are reporting correctly. '' This is gross and willful violation of FCRA for the following reasons : 1. Acct is not reported correctly. No acct status is reported and there is a " C '' mark for XXXX XXXX, more than 1.5 years after acct was paid and closed. 
2. There is no date closed being reported at all. It is left blank. 
3. The last payment date is not reported correctly ; it is left blank. Date of last activity Is not reported either, it states XXXX. 
Equifax has a duty to investigate thoroughly and report correctly on all accts. The above report shows that Equifax did not do any kind of investigation, it did not report correctly and it made false statements as show is their so called verification of data. 
I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that Equifax is at fault for willful negligence in not removing the Collection mark for the month of XXXX because XXXX XXXX is reporting correctly. Equifax needs to do a thorough investigation and not just a check through their flawed XXXX system. 

I have also asked Equifax to investigate and correct the status of my XXXX XXXX XXXX mortgage acct under the same dispute XXXX. I asked Equifax to change status of acct from 120+ days past due to " closed '' since the acct is no longer past due and it is closed since XXXX XXXX. Once again Equifax claims to have investigated and reported correctly.
Complaint sub-issue: Received bad information about your loan

As recently as XX/XX/XXXX, I have requested several times since XXXX to have my PSLF qualifying payments reviewed by Myfedloan.org. The only response I received was in XX/XX/XXXX, saying that at that time I had 77 qualifying payments. I have been making payments since XX/XX/XXXX - which means currently I should have around 109 qualifying payments - and in XX/XX/XXXX I should have had approximately 97 payments - I have bank statements showing these payments were made, and have been at the same non-profit qualifying employer since XXXX. It looks that the review is still missing approximately 20 qualifying payments. I have asked to have this reviewed 3 times since XX/XX/XXXX and have yet to receive a response. I have asked that they please recalculate my qualifying payments, or send me a response explaining the discrepancy as to why there are 20 less payments than there should be. 

They're most recent response came at the end of XX/XX/XXXX, stating " Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. '' It has now been another 2 months with no response.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit reporting agencies, Equifax, XXXX  and XXXX   accept data from businesses and collection agencies and place it on a consumer 's credit report no questions asked. The original item has usually been purchased by a debt buyer who does not care whether the item is valid or not, typically makes no effort to collect on it, and has purchased it in order to receive a write-off by from the IRS. Often the original item is an error, a blunt show of power or force by, say, a property manager or an aggrieved business entity with an axe to grind, or a flat out fabrication. When the outraged consumer tries to challenge inaccurate or unfair information he typically gets an exhausting run around from Equifax or the others who make demand after demand that the consumer " verify '' their identity so that Equifax can keep it's database up to snuff. Otherwise they have nothing to sell to the banks who collude with the credit reporting agencies in the manufacture of the " credit score '' software that is provided free of charge to their retail clients such as XXXX XXXX XXXX XXXX XXXX. The banks also outsource their underwriters to these retailers who essentially pose as employees of said retailer rejecting credit applications. This is fraud on the part of the banks and they all do it : XXXX  XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX -- all of them. This is a scandal and the government should put a stop to it. Equifax and the banks are lawless and unregulated. Equifax will do everything in its power to hang on to negative information because otherwise they have nothing to sell to the banks, who in an effort to eliminate " risk '' have become both a social ill and a quasi-criminal enterprise engaged in unauthorized misuse, distribution, disclosure and sale of social security numbers, a federal offense which is not enforced. Challenged by the consumer, Equifax will insist on being supplied with the consumer 's name, date of birth, addresses going back three years, a daytime phone number, a driver 's license, a social security number, a social security card, as well as enlargements of all documents including a recent utility bill. Equifax will typically then say " we are unable to verify your identity '' and refuse to correct or delete anything they would prefer to keep. This experience is akin to being XXXX   and XXXX. Hire a law firm to challenge Equifax and they will stonewall by claiming to have " verified as accurate '' information obtained from the know-nothing collection agencies who as previously stated have no idea nor do they care whether the " debt '' is valid or not so long as they get their write-off. This is a vicious circle and the upshot is the consumer can not get a mortgage, buy a home or achieve the American Dream. Somebody please put an end to the ability of the credit reporting agencies and the banks to act with complete impunity, knowingly lawless, unregulated and sanctioned by Congress to keep inaccurate information in their database for SEVEN years.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard Inquiries found on my credit report that are fraudulent, listed 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
Complaint sub-issue: Public record information inaccurate

I just received an updated copy of my XXXX credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about XXXX because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter XXXX.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The company in question is known as ERC located at XXXX XXXX XXXX in XXXX Florida, XXXX. On XX/XX/2020 their office called my home phone ( XXXX ) XXXX. On the third occasion, I answered and they asked for a XXXX who does not nor has ever lived at my home in the 3 years I have had the phone number. I informed the caller that they had the wrong number and that XXXX never has, nor did I know the person they were calling for. On XX/XX/XXXX, I received several more calls and called ERC to speak to a supervisor. I informed them that they had the wrong number again and that I was to be removed from their call list immediately. I was assured that they were going to escalate the request and it would be done within 24 hours. Today, the company once again called my home and I have had enough.