Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX, Account # : XXXXXXXX XXXX, Account # : XXXX, XXXXXXXX XXXX Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX, Account # : XXXX, XXXX  Account # : XXXX XXXX & XXXX XXXX DC, Account # : 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.
Complaint sub-issue: Deposits and withdrawals

" PNC has made a change that prevents you from being able to link your accounts '' This change is keeping me from using my main source of funding to fund money market accounts. It is interesting that they say they do this for security, when they will allow your account to be connected to crypto-currency exchanges, but not an investing platform such as XXXX. This is hindering my ability to participate in the free market, and there is no reason for this restriction to exist as other banks perform these duties flawlessly.
Complaint sub-issue: Information belongs to someone else

I have been in contact with Equifax for over a year constantly providing legal documentation proving that I am indeed a victim of identity theft. Equifax has ignored a majority of my written correspondence, not disputed fraudulent items with companies, continues to report accounts that have my name attached to different social security numbers, reporting fraudulent addresses and more. I have mailed over 50 copies of my documentation to Equifax since late 2018 all with no responses. Equifax has admitted to sending mail to an address that I informed them that it seems is where a bulk of the fraud had originated from. Please help me resolve this matter with this company immediately if possible. I have been denied employment and have been unable to buy a house due to ill reporting by this company.
Complaint sub-issue: Right to dispute notice not received

Received an alert for a new account on my XXXX credit file. Enhanced Recovery CO, LLC reported a debt in the amount of {$900.00} owed to ERCXXXX. I have n't had service from XXXX for at least 10 years, let alone any communication regarding a delinquent balance. I attempted to call Enhanced Recovery, no answer. I disputed the entry on my credit report, it was promptly updated from delinquent as of XXXX, updated to delinquent as of XXXX. I was never sent a notice of the alleged debt and, subsequently, deprived of my right ( s ) under the Fair Debt Collection Practices Act ; to dispute the debt and receive validation of the debt.
Complaint sub-issue: Account information incorrect

Please note that I have a credit file that spans more than 3 decades. I have XXXX 30 day lates, on any credit bureau. I have done volunteer work for years to teach the importance of good credit. This is my only XXXX and it is inaccurate. My complaint is about a collaboration that involves THE COTTAGES OF XXXX, PROCOLLECT INC., and XXXX. My son lived in an apartment complex, THE COTTAGES OF XXXX. He was in college and I was paying his bill. The Cottages of XXXX sent inaccurate statements. Based on conversations with their employees, it is my strong belief that they were charging people for things that they didn't owe and hoping that the people would pay anyway. They were using the threat of, turning people over to a collection agency, as a weapon to get the consumer to pay for these charges that they don't owe. I am no fan of being extorted and I challenged them on the charges. It took many conversations and many emails ( hours on hours of time ) but they finally admitted that the statement was wrong and sent me a statement that was at least closer to correct although still inaccurate. After giving them sufficient time to charge me only what I owed and multiple calls, I decided to cut my losses and pay. Ultimately, I paid more money than I actually owed in order to move on with my life and they still turned it over for collection. Even with a zero balance. The collection agency is PROCOLLECT INC. I have sufficient information to prove that my being turned over to them was unreasonable but PROCOLLECT INC seemed to have no interest in the truth. PROCOLLECT INC. filed derogatory information to XXXX which added it to my report. I disputed the derogatory information to XXXX even though they made it extremely difficult by having check boxes with information about your situation and none of the information beside the boxes fit my situation. They give you a box for " other '' and the ability to describe your situation but allow too few characters to adequately describe it. Later they will allow you to upload documents but limit the documents to too few pages for a case where many emails were written and received. The collaborated extortion seems to work like this : THE COTTAGES OF XXXX charges amounts not owed. If consumers pay them, the scam ends there. If consumers don't pay them PROCOLLECT INC. is all too happy to, for a fee from the consumer, to collect the extorted money. If the consumer is unhappy with getting extorted by PROCOLLECT INC., the extortion continues to XXXX which I assume is being paid by PROCOLLECT INC with a membership fee. This collaboration is good for everyone but the consumer which assumes that they have limited ways to fight. As an example, I contacted XXXX today and I spoke to 6 different agents. Each time that you get transferred to a different agent, they ask for lots of information. It seems that they assume if they transfer you to enough agents, which take enough of your time, you will just give up. The collaborators win. The consumer loses.
Complaint sub-issue: Information belongs to someone else

On my Equifax report there are 10 late payments from a XXXX XXXXXXXX XXXX account that is not mine..I have already disputed this account with XXXX XXXX by informing them that I did not open a credit card with them and am a victim of identity thief. They are still reporting late payments even with this knowledge.
Complaint sub-issue: Their investigation did not fix an error on your report

Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due
Complaint sub-issue: Attempted to collect wrong amount

I called XXXX XXXX XXXX at least five times last month attempting to get a settlement figure on a debt from 2014. 
Their response each time was that they hadnt finished calculating the total debt which I interpreted to mean they wanted a blank check to attempt to get as much as they for a debt they likely paid pennies on the dollar for.
Complaint sub-issue: Debt is not yours

This account was wrongfully documented and incorrectly pinned under my name. I do not have any knowledge of this company as they have never provided their services that was authorized by me ; therefore, I have directly mailed the company, Coachella Valley Collections Services, certified letters 3x ( dated XX/XX/XXXX, XXXX, & XX/XX/XXXX ) in the last 6 months to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to request for them to verify and validate this account to me and my name. Each time, the company has failed or neglected to repond back to me with any correspondent as well as any evidence. Since they were unable to and have never responded to me nor provided any evidence to prove this is me and this debt belongs to me, I demanded that they corrected this mistake by reporting this mistake to all 3 of the credit bureaus. This collection debt has been removed from my name with XXXX and XXXX only. I am requesting assistance to do the same for my XXXX account and name immediately. I have attached e-copies of the receipts with tracking numbers of the 3 certified letters I have mailed to them directly as my proof to support my claim : 1 ) 1st certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 2nd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 3rd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is a new inquiry from ELAN FINANCIAL on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. 

ELAN FINANCIAL Location XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Complaint sub-issue: Information is missing that should be on the report

i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all 3 credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue.

I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit was pulled on XX/XX/2022 by XXXX XXXX with XXXX XXXX without my consent or knowledge.
Complaint sub-issue: Account information incorrect

I noticed a late reporting on my account with XXXX XXXX XXXX   account ending in XXXX.I called XXXX to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.
Complaint sub-issue: Information belongs to someone else

MACYS/CITIBANK, N.A. did Hard Inquiries on XX/XX/2022 without my notice
Complaint sub-issue: Debt was result of identity theft

on  XXXX   XXXX    XXXX  , I receive a mail from my bank state that I have a court order levies on my account, for the amount of  XXXX  of outstanding principal remains due and unpaid., assigne to whom this debt is owe i s ( palisades collection, llc ) J UDGMENT DATE  XXXX  .th  e sc am by the collection agency is using my old address @ the court in  oder for me  not know about it, until now he come after m e, 1 ] fo r a 10 years plus debt, I want to have a full detail of that debt, and how debt was made, and also how much  palisades  collection .llc paid for it. from who he brought it from?     XXXX   XXXX    XXXX   XXXX  of  XXXX  index  XXXX  plaintiffs palisades collection, llc defenda nt,   XXXX   XXXX    INDEX   XXXX
Complaint sub-issue: Don't agree with fees charged

The University XXXX XXXX attempted to take tuition payments directly from me after I withdrew instead of deducting the payments directly from the students ' loans. I withdrew because the quality of education I received from the University XXXX XXXX was extremely poor, the instructors would not help me and the courses I took at the school are pointless as my former and current employer will not accept them because the school is not accredited and the degreecourses are not accepted in advancement of careers. What the University XXXX XXXX is doing is illegal! You can not send student loan money in the form of a loan directly back to the lender and go after the borrower for collection. The University XXXX XXXX broke the lenderborrower contract without the student even knowing.I would the XXXX to remove the student loan information from my credit reports and cease collection of the XXXX in student loan payments for these courses that I can not even use to advance my career
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX took assumed XXXX XXXX loan. I am the cosigner. I have excellent credit. my niece had a late payment. I called First mark when I saw how much my XXXX XXXX plummeted and they said they have documentation that I was notified multiple times by phone. I NEVER received XXXX phone call. I pride myself on hardwork and have earned my excellent XXXX XXXX. If I had knowledge of a late payment I would NEVER jeopardize my XXXX XXXX. I am requesting that this unfair mark be removed from my XXXX XXXX. I have no history of being " delinquent or in collections and I certainly do not want this to start now. I have worked my entire life to maintain an excellent XXXX XXXX and the impact of this will last many years. I am appalled how this company was not interested in anything I had to say. Again, I must reiterate that I never received a phone call regarding this situation despite what they have on record. 
We have had this loan since XXXX. I have never had a XXXX XXXX lowered or been sent to collections/delinquency since the inception of this loan. 
Please advise
Complaint sub-issue: Account information incorrect

It shows on my Equifax report that for the month of XXXX and XXXX of 2022, I have late payments for my Attorney General Child Support Account ending in XXXX. I have made the payment faithful to the point its garnished from my work wages. I have disputed it multiple times. Please see attached
Complaint sub-issue: Debt was paid

I discovered I had XXXX bills on my credit report. Suspiciously, both for exactly the same amount, XXXX. The company listed was E.R.C., so of course that meant nothing to me. Through diligent efforts, I found the bill was from sprint, which I had no bill sent to me, since the final bill about 5 years ago.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I WAS SCAMMED BY A COMPANY CALLED XXXX PHONE # WAS XXXX THIS NUMBER IS NOT IN SERVICE. I PAID THEM {$6400.00} ON XXXX. THEY DID NOTHING AT ALL FOR ME. I TRIED TO REPORT THIS CHARGE AS FRAUD TO MY CREDIT CARD COMPANY/ THEY SAID THAT THIS CHARGE WAS TOO OLD AND THEIR WAS NOTHING THEY COULD DO FOR ME. I AM A SENIOR CITIZEN AND THEY HAVE TAKEN ADVANTAGE OF ME.
Complaint sub-issue: Debt is not yours

A laptop was purchased from Conns and returned within 60 days within the box and not used. I was told by Conns that the Laptop would be sold and I would be billed for the remaining price on laptop once sold. In stade, I received a bill for the entire amount with finance charges of over {$3500.00} dollars. I made an offer to pay off bill of {$700.00} Dollars since the labtop total price was only {$1500.00} Dollars. Please advise
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.
Complaint sub-issue: Frequent or repeated calls

I XXXX XXXX have been going through a difficult time financially. Recently I have received numerous calls even during work hours on collection of several debts. I would like a cease and desist on these calls, and a settlement offer from each creditor that I can look into borrowing funds from family members to pay off permanently.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Complaint sub-issue: Denied request to lower payments

I was the co-signer on a auto loan. The first party filed bankruptcy, I took over the payments. The company asked me to setup auto payments from my bank, but they put in the wrong information on the bank draft, used the first party 's name instead of my own, and my bank rejected two payments. They admitted to the mistakes, but refused to correct it or extend the missed payments because the first party filed bankruptcy. They want to re-possed the car. The missed payments were not my fault, in fact I contacted them several times asking for them to correct it before the payments were due.
Complaint sub-issue: Investigation took more than 30 days

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Complaint sub-issue: Debt is not yours

This company has called me every day for the last week I've called every day right after and explained to them that I am not the owner of the set in and not in contact with the owner of this debt. I've also explained to them my wishes to be removed from this list. This was confirmed every single day but the following day I was called again. Today I called and before I could even respond I was called a XXXX, a XXXX and the caller refused to give me their information so that I can report it here he stood on the call mocking me calling me XXXX and XXXX over and over. This behavior is unwarranted as I am not the responsible party for this owner I'm not in contact with the responsible party for this debt. I was confirmed each time I called that my number would be removed it has not happened I do not wish to be subjected to any kind of bullish behavior for it that I don't owe. I spoke to Miss XXXX yesterday She confirmed that my information was noted to be removed but not taken off She removed it yesterday but today I was contacted again and called a XXXX and a XXXX. 

I I explained to the young man that I was recording all of this as it was exceedingly unprofessional rude and a bit threatening. The young man acknowledged the recording I have this for proof if needed
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX {$430.00} $ XX/XX/XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX XXXX Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX XXXX  Acct # XXXX {$60.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX {$1100.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX DID NOT FOLLOW THE LAW. I ASKED FOR ANY ACCOUNT THAT I MAY HAVE BE REMOVED FROM MY CONSUMER REPORT DUE TO THE SIMPLE LAWFUL FACT THAT I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE WRITTEN PERMISSION TO THIS COMPANY TO FURNISH ANYTHING WITH MY SOCIAL SECURITY NUMBER ATTACHED. 

THEY EVEN STATED IN THEIR LETTER THAT THEY HAVE NO COPY OF A SIGNED AGREEMENT WITH ME. THAT IS PROOF THAT THEY CAN NOT VERIFY THIS ACCOUNT. I DO NOT LIVE AT THE ADDRESS MENTIONED IN THOSE DOCUMENTS THEY SENT OVER. THEY ARE COMMITTING FRAUD AND THIS BUREAU IS ALLOWING IT. I AM DISGUSTED AND WILL CONTINUE TO FILE COMPLAINTS DAILY TIL YOU ADHERE TO THE LAW AND SUBMIT TO YOUR FAULTS. 

THEIR DOCUMENT WITH THE CARD AGREEMENT LITERALLY HAS ( XXXX, OH OH ) AS THE ADDRESS! THAT IS FICTITIOUS AND NOT EVEN A REAL JURIRSTICTIONAL ADDRESS IN THIS COUNTRY! 

I HAVE LITERALLY JUST REMOVED OVER 60 ACCOUNTS THAT WERE ATTACHED TO MY XXXX XXXX ACCOUNT BECAUSE MY NAME IS SO COMMON AND I HAD MEN WITH THE EXACT SAME NAME AS ME ON MY PROFILE BUT THEY LIVED IN UTAH AND OTHER VARIOUS PLACES. 

MY SIGNED AND MAILED AFFIDAVIT WAS SENT XX/XX/2022 XXXX
Complaint sub-issue: Indicated you were committing crime by not paying debt

On XX/XX/2021, at XXXX ( Pacific Standard Time ) The caller, MRS Associates XXXX using a robot or automated voice, asked for my Social Security Number. I responded by saying I do not give my SS Number over the phone and hung up. I have no debt. This is likely an attempt at fraud of some sort. Perhaps to trick me into thinking I owe some debt of a person with a name similar to mine. 
MRS Associates or MRS BPO is a third-party collection agency based in New Jersey. MRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act XXXX FDCPA XXXX, such as failing to provide written verification of debts and threatening to take actions that can not legally be taken. The foregoing according to Lemberg Law. I believe that " robot calls '' are illegal.