Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I received a letter dated for XX/XX/2021 which was sent to my home indicating I owed this company money. I have never entered into a contract with this company nor did I consent to entering one. I sent this company a response on XX/XX/2021 indicating that I will pay any debt I might lawfully owe if the company can produce the required documents by federal law. I have attached my response here as well. 15 USC 1692g - Validation of debts indicates that a debt collection company must produce all documentation within 5 days of initial communication and cease all reporting and collection activity until those items can be produced. It is now XX/XX/2021 and this company has not produced any of the documents and continues to pursue collection activity and has reported information to the credit reporting agencies not only without my permission but in direct violation of the above referenced law. This is also a violation of FDCPA Section 807 False and misleading representation.
Complaint sub-issue: Account information incorrect

I have a collection account that is being reported. I initiated a dispute on last year and even contacted the company of XXXX XXXX XXXX who is reporting the account. They assured me the account was in error, but it still remains on my credit.
Complaint sub-issue: Account status

XXXX submitted a removal request through XXXX for an account in collection. Equifax has yet to remove this collection account.
Complaint sub-issue: Information belongs to someone else

This isn't my account. Please remove it.
Complaint sub-issue: Seized/Attempted to seize property

Threatened to reposes a vehicle I traded in on XX/XX/XXXX at dealership if I did not make last payment. Asked for {$280.00} and my payment is actually {$340.00}. became verbally abusive to my mother and falsely represented himself calling my place of business.
Complaint sub-issue: Their investigation did not fix an error on your report

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Keep getting calls about your loan

I am continuously receiving calls from a company called Great Lakes EDU about old school loans. I am XXXX and am no longer required to pay back the loans. I am being harassed by this entity, even after I block them ; but they still find a way to continue calling. I don't know what more I can do about it. The calls have been going on for 6 months. I have all the instances on my cable carrier. The most recent call was Friday, XX/XX/XXXX. The phone numbers from this company very. One number is ( XXXX ) XXXX.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Discover bank, have 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 an 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: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, I left my card at a XXXX XXXX gas station while purchasing gas. Since I was driving out of town, It took me an hour or two until I realized my card was not in my possession. I then immediately called the card member service and reported my card as lost/stolen. There was one unauthorized charge for the amount of {$3100.00} from XXXX XXXX   on my credit card. The fraud agent on the phone flagged that charge as fraudulent, told me I am not going to be held liable for this charge, ordered a new card to be sent out, and informed me of a declaration of fraud letter which I might receive in the mail that I'd have to sign and send back. Everything was good until I saw the charge got posted back into my account on XX/XX/XXXX. I immediately called the card member service fraud department to see what is going on, and I was told this is a mistake, it has posted onto my new card, since when I declared the charge as unauthorized, it was still pending, and that I will receive a credit back onto my account within 10 business days. I waited, and waited, and saw no credit on my account. Called the fraud department again after the 10 days waiting period was over, they told me they are going to request the credit to be issued back onto my card asap, and that this will happen on the next business day. I waited for another few days and still no credit for this fraudulent charge on my account ... I am tired of having to call every few days, hearing false promises, and then getting disappointed again. Please fix the issue.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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  XX/XX/XXXX
Complaint sub-issue: Need information about my balance/terms

I have not been able to access my account for 2 months. They have not been sending me updates on what is happening. I have been sitting in the dark until I have to ask for updates. I do n't see why it is taking so long to fix my account.
Complaint sub-issue: Reporting company used your report improperly

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO 3rd party. I never gave these company any written consent to report anything on my consumer report. Please see attached documentation.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I received notification that public record accounts were reporting in my name on my credit report from XXXX  XXXX XXXX XXXX. I've disputed this error with them and have since contacted this credit bureau numerous times via mail, phone, & online disputes and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well. I've sent 5 certified letters U.S.P.S Postage mail to this Reporting Agency over the course of a year. Ive disputed these same items 19 times & the company has yet to provide a response within the 30 days allowed, provide any Validation of Record which I requested nor correct this costly error on my behalf which is affecting my opportunities to obtain credit. It even doesn't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I've written the US XXXX district Courthouse & their response which I can provide is that they do not report any activity with credit bureaus. This letter was officially sealed and notarized by an agent representative of the Courthouse. So my concern is that if they aren't reporting any information how is that being retrieved This public record is only reporting on my Equifax report and not any other bureaus.
Complaint sub-issue: Information belongs to someone else

Equifax continues to put a credit card, XXXX XXXX XXXX, used by my father on my credit report. We have the same name, but he is a Sr and I am a Jr. I do not use this card and am not on the account in any way. 

I have requested via their one process that they make this correction and remove it from my profile, since our date of birth and social security numbers are different, but they refuse. I am not a user or on this account in any form. 

As a result of their inaccurate information, my credit score with them is lower.
Complaint sub-issue: Their investigation did not fix an error on your report

I have told the CRA on multiple occasions that the information they continue to report is incorrect. They have never verified none of the disputes I have submitted to them. I have investigated the accounts myself and found out that they have been reporting the wrong account numbers, ( 2 ) when there in only one account number, the wrong dates, the wrong status and also a third party reporting on behalf of the original company that I had no idea existed. How is this possible? They are wrecking my credit. The copy I have uploaded in the system and also sent to the CRAs listed is the only account I have with US DEPT OF ED.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX reported this fraudulent transaction to the Credit Reporting Agencies since XX/XX/2013. Someone opened four accounts in my name unknown to me. I requested information from XXXX proving it was me but got none. I filed a dispute with the Credit Bureau but they upheld the Company decision. 
Please advise how to remove this false information from my report. 

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

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax, XXXX XXXX, and XXXX 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Complaint sub-issue: Information belongs to someone else

On XXXX, 2021 i sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage of and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by equifax breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports.I am a victim of identity theft and did not make the charge.
Complaint sub-issue: Didn't receive terms that were advertised

At the beginning of XX/XX/XXXX, I received a letter from the Bank of the West based here in XXXX XXXX metropolitan area. It invited me to open a Premier Checking account by XX/XX/XXXX, and maintain an average monthly balance of {$50000.00} in eligible accounts. By XX/XX/XXXX, {$600.00} bonus will be credited to this Bank of the West Premier Checking account. 

I took the offer and opened a checking account and a money market & Savings account in XX/XX/XXXX. An amount bit over {$50000.00} was deposited and maintained there until the end of XX/XX/XXXX. At the early XX/XX/XXXX, I checked my accounts with the Bank of the West. There were no {$600.00} bonus credited as the letter promised. I called their customer service phone number, a woman with harsh voice told me, the bonus would n't credit to my accounts because there had been very little activities in my accounts during the said time. 

I stated that the invitation letter mailed to me only required : 1. Opening deposit must be received and deposited to the account no later than XX/XX/XXXX. 2. Accounts must be in open status and have a positive balance as of XX/XX/XXXX.  3. Bonus must be credited by XX/XX/XXXX. 4. All accounts are subject to the Bank 's standard terms and conditions and Schedule of Fees and Charges. I did n't see any regulation/demand on the letter stating that the new opened account ( s ) must have certain level of activities during the above said time in order to obtain the {$600.00} bonus. 

The woman in their customer service just irrespectively rejected my request to have the {$600.00} bonus promised by their invitation letter. 

The Bank of the West used a false advertisement to allure me to open a new account with a big amount of money deposited and maintained in it for about five months for their usage. Then just refused to execute their obligation as we both parties agreed at the beginning. It 's a dishonorable and fraudulent action. 

I am a retiree with limited income. I do n't have necessary resources to challenge their disgraceful schemes targeted on me and other people alike. 

I am submitting you my complaint herewith and hope you would take actions to make the Bank of the West to give me the credit for the bonus they offered.
Complaint sub-issue: Reporting company used your report improperly

This creditor IQ DATA INTERNATIONAL is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, this company sent me paperwork from a company they represent with a forged signature, I do not owe IQ DATA INTERNATIONAL Any Money and I demand that they provide actual validation with my WRITTEN CONSENT, I also demand a copy of the contract binding both parties ( IQ DATA & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, ALSO IF SUCH CAN NOT BE PROVIDED I DEMAND IQ DATA INTERNATIONAL TO BE PERMANENTLY REMOVED, DELETED FROM MY CREDIT REPORT I also demand a response from IQ DATA within 5 days as listed in the terms of the the consumer book! kind regards!
Complaint sub-issue: Debt was result of identity theft

XX/XX/2021, Amount : {$4600.00}. I contacted credit collection agencies and collection was removed and then reinserted under a different collection agency ( Three Letters attached ). I contacted XXXX XXXX Fraud Department. They advised to file a police report, which I did ( Attached ). The Credit Bureau 's never notified me in writing of the reinsertions ( See attached letters set to them : XXXX, XXXX, XXXX ). I attempted to submit Police report to I.C. Systems Inc ( Collection Agency ) online and an error kept notifying me that I needed to Prove I was not a robot and would not move me beyond that point to submit supporting documents.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I was alerted about an account with Total Visa that was opened without my knowing when they contacted me about the debt. I was the informed by the agent that the address on file was a hotel. There were payments made on the account by a person some returning and others posting linked to a XXXX XXXX. I received another call for a {$300.00} balance on XX/XX/23.
Complaint sub-issue: Received bad information about your loan

To whom it may concern, On XX/XX/2018 my XXXX student loan account # XXXX XXXX XXXX was paid in full. I received a Paid in Full Notification letter that I have enclosed. The account was closed and removed from my credit report and everything seemed normal and I believed it was a closed matter. Fast forward to XX/XX/2018, while I was on my monthly routine of checking my accounts I noticed I have a new balance on the closed account and I was surprised to see that on the closed old loan. I thought it was an error and it would just go away. I should have known better next month it was added to my bill doubling my monthly payment. After noticing this I immediately called them to ask them why was this account that was paid in full and that they had sent me a letter confirming that fact back with balance and with more interest than before. The representative said it must have been a computer glitch to what I replied I dont think you cant make a {$13000.00} error on an account. The representative asked me if I had any proof of the payment and I said I had not the proof at hand but that I had to locate it on my files. I also told the representative that I wanted to dispute the loan. He said he would send me a form for me to dispute it. I am still waiting for that form. Basically what I am getting from XXXX is that if I misplaced my information to proof that I have paid my loan in full I have to pay my loan again with interest just because they had a glitch. And unfortunately I have misplaced my documents showing my payment to the account! I think this is most concerning for people like myself that make the best effort to pay for their student loans and companies like this one have the nerve to tell you its just a glitch and you have to pay again. Having said that I have keep working with them so I can accommodate this loan in my monthly payment so my accounts dont default and stay current. I want this account closed and taken out of my credit report and of my student loan account. I sincerely ask for your help in this matter. Thank you. 
XXXX XXXX
Complaint sub-issue: Debt is not mine

I reviewed my credit report and observed that AFNI conducted a hard hit inquiry that I did not authorize. AFNI has previously attemted to collect a debt that is not mine. After I filed a complaint with the Consumer Financial Protection Bureau, AFNI withdrew from attempting to collect a debt that I did not owe.
Complaint sub-issue: Information belongs to someone else

FTC ID Theft Affidavit attached. Please block the tradeline listed per 605B of the Fair Credit Reporting Act. Collection Account - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX