Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I have new and updated information regarding claim number : XXXX. Americollect , Inc. have not provided all of the requested documentation per my previous request. Their refusal to provide all of the requested documentation is preventing me from exercising my right to assess and validate the alleged debt. 

Please reference the attached documents :
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022 my XXXX XXXXXXXX XXXX credit card was charged off. In XXXX I was sent a text message about my account stating that if I made a {$65.00} dollar payment it would keep the account from being charged off. I made that payment XX/XX/2022 and the card was charged off the next month { XXXX } after saying when I made the payment the account would not be charged off. My account should have never been charged off as an account has to go 180 days with no payment before charge off and that was not the case. This is a violation of my FCRA rights and this account needs deleted from my credit file immediately.
Complaint sub-issue: Account status incorrect

There is incorrect information on my reports with XXXX and Equifax pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX finance, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's erroneously are reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. 15 U.S.C. 1681a ( f ).

A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section 1681e ( b ).

If a CRA willfully fails to comply with any requirement of the FCRA, it may be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. 1681n ( a ), ( 1 ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. 1681o.
Complaint sub-issue: Account status incorrect

The credit bureaus make up things and place it on my credit rather than focusing on accuracy. They show payments for dates I don't have statements for. In addition the account was closed in 2014. Their dates don't match the facts I have.
Complaint sub-issue: Debt is not yours

I attempted to contact the regional supervisor over the property, XXXX XXXX XXXX XXXX, that is claiming the debt against me via fax and phone on multiple dates over the last two months. The first attempt came on XXXX/XXXX/XXXX, after trying to contact the parent company XXXX XXXX on XXXX/XXXX/XXXX and was directed to resolve the issue directly with the regional manager. I contacted the office again XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Every time I was told this individual would call me back and never did so. I sent over a fax the last week of XXXX and received a confirmation that it was delivered successfully. I have also attempted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX through both phone and fax between these dates to provide documents which prove that a debt is not owed and none of these parties will consider the evidence that proves this, instead I have received forged documents that have copied my original signature and applied it to a document that I was never in possession of. I had a lease for a one bedroom apartment with a clean move-out checklist that showed now charges were due and no repairs needed made to the unit, but the document they provide that claims I owe a balance is for a two bedroom apartment. I did not rent a two bedroom and I have the clean move-out checklist/zero balance bill to prove it. Pro collect has contacted me repeatedly and refuses to provide me with proof that the debt is owed, instead only sending billing statements which claim my balance is due within a day of receiving the billing statement. I have provided evidence and they have confirmed receipt but will not accept it as a zero balance and they refuse to provide any proof that I actually owe the debt following my faxed dispute. They are trying to collect a debt that they are not owed and I can provide the document to prove it, which I have provided them on numerous occasions. In addition to billing me incorrectly after claiming I owed nothing after a walk through of the unit followed by the signing of the move-out checklist with the zero balance, they failed to provide me a copy of the bill they chose to forge within the 30 days they had to do so as outlined by Ohio Statutes.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

On XX/XX/XXXX, I hand wrote a Affidavit of Truth to dispute my account with CarMax auto finance identifying in two exhibits ( a late payment letter and a voicemail they left on my cellphone ) with the violations according to the Federal Laws found in the Fair Debt Collection Act. I mailed the letter off off on Friday XX/XX/2021 certified mail. I called CarMax Auto Finance in an attempt to confirm that to got my letter and to discuss the remedies I asked for as a consumer invoking his right. No one at the finance office or the corporate office were able to answer an of my questions and refused to engage the conversation when I brought up the Federal Laws found in the Fair Debt Collection Act or when I asked to be put through to legal for them to answer my questions. I was told that I only my attorney or lawyer can speak to the legal department of CarMax Auto Finance. Even though I informed the representatives that I invoking my XXXX given right as a natural person to represent myself in this case, I was denied a direct line of communication to the legal department. In the past couple of days I have called numerous time and I have not been satisfied with the responses I have gotten from the representatives and managers at CarMax Auto Finance and the CarMax Corporate office. Along with illegally repossessing my truck on Tuesday XX/XX/2021, I was threatened by CarMax Auto Finance they if I dont pay the late fees and repossession fee, my truck will be up for auction in 17 days after the repossession. If sold I will be liable for the truck payments still. Another violation under 15 USC 1692F ( 6 ) ( A ). Which states taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; I also have a slue of other violations that this company as acted on against and will like help in fixing my credit report and being an example of others who have being violated by CarMax Auto Finance.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX XXXX XXXX ; U S DEPT OF EDXXXX XXXX ; U S DEPT OF EDXXXX XXXX ; US DEPT OF ED/XXXX XXXX ; XXXX XXXX ; US XXXX XXXX XXXX XXXX ; U S DEPT OF EDXXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ;
Complaint sub-issue: Indicated you were committing crime by not paying debt

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Complaint sub-issue: Information is not mine

I am the sole owner of a XXXX that has been in business 36 years. Equifax Commercial Solutions continues to provide inaccurate credit reports to potential creditors. Worse yet, they refuse to tell me what companies are providing negative reports - they simply say things like " Business Lease '' or " Trade Account '' or " Commercial card ''. 
I have repeatedly requested that Equifax tell me who the creditors/vendors are so that I can confirm that these are my accounts. However, they refuse to do so. Attached is a copy of their most recent response which states that they will not identify the reporting companies. Therefore, reporting companies can continue to provide incorrect information and I can not find out who is making these incorrect statements in order to get them corrected. 
Meanwhile, Equifax Commercial Solutions is providing a false picture to my potential creditors and damaging my opportunity to establish accounts. 
Before submitting this report we called CFPB and were assured this request can be dealt with by CFPB. 
The following key documents are attached : XXXX XXXX, XXXX - my first letter to Equifax Information Services informing them there are errors in the credit report and requesting they correct the errors. 
XXXX XXXX, XXXX - my second letter with a list of discrepancies and a request they correct the report. 
XXXX XXXX, XXXX - my third letter detailing continuing errors in updated information they sent me on XXXX XXXX. 
XXXX XXXX, XXXX - my fourth letter listing the remaining XXXX accounts that are still in error and requested name of the party making the report so that I could get it corrected. A dispute form was included for each account. 
XXXX XXXX, XXXX - my fifth letter requesting a response to my XXXX XXXX letter. 
XXXX XXXX, XXXX - an email I received from Equifax stating that they will not tell me what companies are submitting the incorrect reports for which I have filed dispute forms. The data I receive simply says " Trade account '' or " Business lease '' or " Commercial card. " This leaves me with no way to get the misinformation corrected. 
Fair resolution : Equifax Commercial Information Solutions immediately provide with the name of the creditor and contact information for each of the remaining XXXX unidentifiable accounts on the credit. report. Also, provide me with a specific person in Equifax whom I can contact for follow-up. 
I will attempt to confirm that each of these accounts is indeed mine and that the information is accurate. Upon receiving such verification or correction, I will notify the person Equifax Commercial Solutions has designated as the contact. 
Immediate action by Equifax Commercial Solutions to correct the report and promptly provide me a full copy of the corrected report at no charge.
Complaint sub-issue: Old information reappears or never goes away

I have not had anything to do with Elon Financial for over 20 years. They have changed the dates on this old debt over and over and just keep reporting it as negative to the credit bureau 's as if it's a current dept. I have disputed this debt many times but Elon changes the date of the date of the debt and reports it again. The credit bureau 's just believe them and leave the negative info on my reports. This debt has been settled, written off many, many years ago. It's like they are doing this out of some sort of revenge. I can't believe this is legal.
Complaint sub-issue: Reporting company used your report improperly

XXXX have violate XXXX5 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( 1 ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards XXXX had 4 financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose XXXX of dollars during a pandemic..
Complaint sub-issue: Personal information incorrect

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names and addresses as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Title 31u.s.c.sec,3123 all XXXX are INITED STATES obligations.. 
XXXX THER IS NO RESON I SHOULD BE LATE OR MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT AND THIS SITE SUCKS FOR DOING SO AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP
Complaint sub-issue: Account status incorrect

My most recent FICO score says I have one late payment in the past twelve months. I have reached out to Equifax, XXXX XXXX, and XXXX, and all of them show that I have no late payments. I have no idea how to fix this!!!!! Also, XXXX  are thieves, you can not get a human on the phone and I had to pay after checking just two weeks ago.

Anyway, how is fico reporting a late payment and I do not see a late payment on any report??? This is time-consuming and horrible and life-impacting and I am done.

I just need help. If my payment history shows 100 % on Equifax and XXXX XXXX, and no late payments on XXXX why is FICO incorrect and how does it get fixed? No one should have to go through this.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

They have allowed XXXX XXXX XXXX to reinsert the paid off debt. This debt was paid off, and was deleted..Now its been reinserted.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously requested verification and validation of a negative item listed on my credit report. The result of the investigation did not produce any documentation requested and required to support their results. The collection company also responded without providing what was requested ( a copy of their response is attached ). If this is what was used to VERIFY and VALIDATE this item then they, the credit bureaus and the collection company are in violation. No contract was produced and a one page copy showing a " balance '' is not enough to validate an alleged debt or accurately produce verification. I am enclosing copies of my recent requests to the credit bureaus and the collection company with this complaint as well as a copy of their response.
Complaint sub-issue: Problem with fees

Hi, This is to complain an unfair treatment I received from Citibank. 

On XX/XX/XXXX, I received a US mail from Citibank with attached checks, encouraging me to make a balance transfer. On the same day I made a transfer of {$10000.00}. 

I regretted this transfer later because the interest rate is 5.99 % and I paid a {$400.00} transfer fee. Therefore I want to check with Citibank if I can get the {$400.00} transfer fee refunded. 

On XX/XX/XXXX, XXXX XXXX, I called Citibank. On a recorded line a service rep named " XXXX '' told me the transfer fee can be refunded, but I need to pay off the balance in the statement first On XX/XX/XXXX, I paid off the balance On XX/XX/XXXX, XXXX XXXX, I call Citibank again, and a service rep " XXXX '' told me the balance transfer fee is not refundable. 

Attached please find the statements of the credit card. 

I feel I am not treated ethically by Citibank. The {$400.00} transfer is simply not fair to me. As a customer Citibank does not have right to charge me {$400.00} if I borrowed {$10000.00} and return it back within 20 days. This is another trick by a mega-bank do to a regular customer like me. 

Therefore I need your help to get this straighten out. 

Thank you for your help! 

XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I have been working for XXXX and XXXX  for the past ten years while dutifully making student loan payments via direct debit. When I submitted an Employment Certification Form ( ECF ) in XX/XX/XXXX my XXXX XXXX account ( # XXXX ) noted that I had 5 out of the 120 qualifying payments left and that I would be eligible for forgiveness on XX/XX/XXXX. When I submitted what should have been my final ECF on XX/XX/XXXX along with an application for forgiveness the response on XX/XX/XXXX from XXXX was a denial because I had not made enough qualifying payments ; it seems that an audit had reduced my qualifying payments to XXXX. During a call to XXXX that day the staff looked at my payments and said that I should qualify and flagged my account for a recount. I have asked XXXX for a list of my payments and they said they could provide me a list from XXXX and my previous servicer, XXXX, but I have not yet received this information. When I looked at my account today, XX/XX/XXXX the number of payments reduced to XXXX. Help!