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

I recently started montering my credit and I notice accounts on my credit profile that I have never been made aware of until now. My information was compromised due to Equifax 's data breach and I would like these accounts removed from my credit profile
Complaint sub-issue: Debt was paid

XXXX keeps sending a balance to a collection agency, but insurance already paid it. This has gone on since XX/XX/XXXX. A year later, XX/XX/XXXX, I filed a grievance with our XXXX XXXX XXXX XXXX complaining about this on-going issue ( 2 yrs now ), in which the insurance company wrote back on XX/XX/XXXX stating the collection agency would be notified and all would be handled. However, XX/XX/XXXX we received yet another collection bill for {$520.00}. I called XXXX XXXX XXXX and spoke with XXXX, a representative. She spoke with the collection agency that this matter was already resolved. They instructed her to call XXXX because that 's who 's submitting the information for collection. XXXX spoke with XXXX at XXXX while I was on the line. After " investigating '' everything for almost an hour, XXXX had all the necessary paperwork showing the insurance took care of it so this issue should 've been resolved and that XXXX, my husband XXXX XXXX, should never receive a bill because of the type of coverage we have. XXXX assured us that this was handled. However, in XXXX XXXX we received yet another collection bill for {$250.00} with XXXX of the last transactions from the previous collections statement. On XX/XX/XXXX I spoke with XXXX XXXX XXXX about this issue AGAIN. She investigated, contacted the collections department and XXXX and said that all should be good. I just called the collections agency today, XXXX/XXXX/XXXX, to verify the status and found out they still show a balance {$250.00}. I then called XXXX to find out what was going on in which their system showed we have a XXXX balance. XXXX said they would forward the information to the collection agency and for me to call back tomorrow to verify if all is cleared, but refused to send me anything in writing that this matter is resolved. Meanwhile, my husband ca n't order any needed supplies ( we can order, but they wo n't ship it ) because in the " system '' we 're in collections. My husband has had to XXXX when they 're supposed to be updated regularly. XX/XX/XXXX XXXX with XXXX forced an order of supplies, but now our authorization has expired because of all this aggravating miscommunication between XXXX and their collection agency. I think this is unacceptable and the aggravation my husband and I have had to endure since XX/XX/XXXX because XXXX ca n't get their act together has led to this formal complaint. My husband is a XXXX and should n't have to XXXX, etc. I am hoping an investigation can be conducted in this completely outrageous situation so XXXX will be held accountable for the additional stress this company has put us through for 2 years!!!
Complaint sub-issue: Account information incorrect

Keeps showing late payments history. XXXX/Motolease LLC will take it off one month and the next month it will appear back on my credit report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Complaint sub-issue: Account opened as a result of fraud

Account # XXXX Comerica Bank Identity Theft XX/XX/2014 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.
Complaint sub-issue: Was not notified of investigation status or results

It has been more than 60 days and I haven't received any written results from credit bureaus regarding my dispute for these accounts : XXXX XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX Account # XXXX XXXX | XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX
Complaint sub-issue: Debt is not yours

NAR INC is reporting on my credit report fo r    XXXX   XXXX   XXXX   XXXX  . I 've contacted NAR and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Complaint sub-issue: Information belongs to someone else

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX BV XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Complaint sub-issue: Other problem getting your report or credit score

Equifax do not let me access to my account.
Complaint sub-issue: Public record information inaccurate

Checkr reported to XXXX XXXX on XX/XX/2019 and XXXX XXXX on XX/XX/2019 inaccurate information about my driving record. I provided Checkr with the correct information and they still refuse to update my records
Complaint sub-issue: Reporting company used your report improperly

Tek Collect has ignored my disputes in regards to medical information on my credit report. I never used Tek Collect and they have obtained my personal information and is reporting this on my consumer report.This goes against FCRA and the FDCPA. I don't know or owe Tek Collect anything.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good-standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I still have not been provided any signed contract I have with XXXX XXXX, whether the original creditor is correct or not. So therefore the collection account is null and void. Until I am supplied a signed contract with XXXX XXXX with my wet signature I will simply keep disputing this. Under the FCRA you have to provide substantial evidence that this is indeed mine, which providing information from the original creditor doesnt substantiate that i have a signed contract with XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurateand unknown things on my credit report to this day over 60 days later I have not receiveda response yet. I strongly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigatethese items within 30 days 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 demand these accounts be deleted from my credit report immediately or I will file for litigation due to the stress you cause me.
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX US DEPT ED XXXX XXXX Owed : {$2500.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; US DEPT ED XXXX Balance Owed : {$4200.00}.
Complaint sub-issue: Card opened as result of identity theft or fraud

This is a fraudulent account opened by someone who stole my identity. Therefore, I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Macys has been linked with multiple data breach where people personal information including payment details have been stolen https : XXXX https : XXXX I have previously contacted Macys to report this account as fraudulent and was told to file an identity theft report which I did and is include in this dispute. I have also included a NOTICE TO FURNISHERS and a copy of my previous and current drivers license to show that I have been continuously living in the XXXX XXXX XXXX since 2012. I have never received any paperwork, contract agreement, bills, goods or services at my address shown on my drivers license. 
I respectfully request that Macys provides me with the following : Signed contract or agreement showing my name and address ; Copy of my drivers license, social security or any other relevant information ; Any goods or services that was received ; Any bills or receipt that was sent to the address ; Proof that Macys attempted or contacted me regarding this account ( certified mail, letter, etc ... ) showing my address. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including this right : Any attempt to collect this debt without validating it violates the FDCPA. 
Until Macys provide concrete evidence requested above, the Consumer Financial Protection Bureau must take action to make sure that I am protected from those unfair acts and practices Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt. If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and Attorney Generals office. Civil and criminal claims will be pursued. 
XXXX XXXX
Complaint sub-issue: Debt is not yours

XXXX has violated several of my federally protected rights due to an alleged debt that they are saying I owe in which they actually sold my information to a third party in which I never consented to do so. 

First violation Pursuant to 15 USC 1692 ( a ) - I have been abused because XXXX & True Accord are stating that I owe a debt when I do not and XXXX & True Accord are in violation of 15 USC 1692 ( b ) ( 2 ) as while they were contacting me they stated that I owed a debt which in fact they are not supposed to XXXX & True Accord are in violation of 15 USC 1692 ( c ) ( a ) as I never gave any written consent for anyone to communicate with me regarding this alleged debt and never gave them my permission. 

XXXX & True Accord are in violation of 15 USC 1692 ( d ) ( 2 ) as the term debt is obscene and profane language to me XXXX & True Accord are in violation of 15 USC 1692 ( d ) ( 5 ) as I was contacted multiple times and it in fact annoyed me XXXX needs to compensate me for all violations per the Fair Debt Collections Practices Act that they failed to comply with the requirements in the Act and they are civilly held liable for such action. 

Please pay the attached invoice immediately.
Complaint sub-issue: Was not notified of investigation status or results

On 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENITY THEFT. I SENT INTHE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX   CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPLEN BY THE THEFT AND NOT ME.
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/2018 this collector XXXX XXXX appeared on my credit report as a late payment. I had no idea who they was and what debt I had with them so I had to call and reach out first. Once I got in contact with this agency I was told who they brought the debt from and made it into a unsecure loan with them with past due balance of XXXX late payment of XXXX dollars. I never got one notice from this. Agency about this debt they have failed to set up a formal payment agreement and just decided to put a late payment on my credit report. My second call to them was asked for documentation of payment plan set up with them she failed to send me this information and claim the XXXX dollars is the same Payment I was paying to who they brought the debt from. Well this is invalid due to them postings this documentation they claim they sent me in the XXXX site and shows the payment was only XXXX weekly which is only XXXX monthly so the payment are wrong let alone me and this said agency did not make and agreement on a payment plan I refuse to pay this back until these late payments are taken off my credit report and Handled the correct way
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settl XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$24000.00} written off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX  XXXX, NJ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Complaint sub-issue: Information belongs to someone else

inaccurate information, no knowledge of accounts, FTC violations
Complaint sub-issue: Problem getting your free annual credit report

I have tried for the last 4 years to get my XXXX credit report from XXXX  and it never works, while XXXX and Equifax work every time. I tried again several times after receiving my other 2, and once I enter my name and address info XXXX ( again ) fails with this message : A condition exists that prevents XXXX from being able to accept your request at this time. To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX I see this message in complaints all over the Internet. My information is not wrong - it works consistently with the other 2 bureaus. Equifax has had complaints online dating back to the beginning of the requirement for this site. I would like to know why they are able to avoid the law while the other 2 bureaus are playing fairly? I should not have to mail sensitive info to receive my report when this site was specifically set up to do this for me securely. I have even tried variations on abbreviations in my address, tried my old address without my new one ( lived here 1 yr ), tried just my new address, and with/without my middle initial. Someone needs to force them to be compliant ( XXXX ) and make them fix their code. Forcing people to mail them usually means people will either skip them ( saving XXXX time ), or actually go to XXXX or one of the scam sites and pay for what the government says is a mandated 1 per year free report. At best, people lose money for something that is free, at worst they get confused by all the scam credit reporting sites and get conned into paying a lot of money for their " free '' report. Please make them play nicely as they are required to do.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Frequent or repeated calls

I am behind on my Balance with Conn 's Home Plus They call from at least 3 different phone numbers 10x-14x per day. I noticed this repeated calls first on XX/XX/2019. I caught up on some payments but this miss a payment and the calls start again. 
These are the numbers they call from : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX On XX/XX/2019, I received 14 calls on my cellphone. I didn't answer and they never leave a voicemail. The phone number they called from this day was XXXX These are the times : 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. 

On XX/XX/2019 they called 10x. From both numbers combined ( XXXX ) XXXX ( XXXX XXXX XXXX. This is after I made two payments but I am behind one week. 
These are the times : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX They call like this everyday, with the exception of Sunday they may call 1-3 times. Current calls have been frequently
Complaint sub-issue: Information belongs to someone else

Ive tried to upload a police report for fraud in my information that manifested over 40   unauthorized hard inquires that are holding me back from securing a home loan. I kept getting an error when trying to dispute on Equifax.com
Complaint sub-issue: Investigation took more than 30 days

Please reference complaint XXXX as the investigation requested in that complaint have no been completed in the proper timeframe and Equifax is clearly trying to avoid investigating. The received 3 forms of ID with address and utility bill with credit report print out. They are asking for the same documentation over again please see all attachments to the referenced companies. All must be deleted immediately the law only allows for 30 days and it has been more than 50 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX on XX/XX/XXXX. XXXX  on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX  on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX XXXX onXX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX/XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. ALL INQUIRY NOT MINE
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/XXXX I applied for a refinance, I was told that XXXX XXXX XXXX had on my credit report that I have not been paying my Home Equity Line of credit. I have receipts as I go into the branch and pay. The Branch did not know why the mortgage department said I owe when there records say I am up to date ( I have the record the branch gave me ). I called the equity department on XX/XX/XXXX, they said the branch can't see what I really owe and that I was short on my payment for the last few months. I paid what I was told and was also told that within 10 days my Credit report would reflect that I don't owe XXXX XXXX XXXX anything. Just found out that XXXX XXXX XXXX has on my credit report that I owe {$49.00}. I asked where did that come from and was told XX/XX/XXXX. I am now told that they will not fix my credit until next month. They keep lying and lying and charging me every time I call. The Branch can't help, they don't know what to do either. I feel as I am being held ransom by XXXX XXXX XXXX.
Complaint sub-issue: Account information incorrect

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last report is not accurate. This ground for removal they also violated my rights under 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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX and XXXX have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report