Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

After receiving an automated Email from my bank stating I owed {$180.00} due on XX/XX/2021 I knew something was wrong with my account, so I contacted my bank to find some answers. During that phone call, the associate I talked with stated the charges came from a {$30.00} late fee ( 1 day late payment from XX/XX/2021 ) as well as my XXXX monthly payment. When I told the associate that the numbers didn't add up and the {$180.00} was incorrect and there was no way I owed what they were claiming and something was wrong with my account, I was going to be put on hold so my account could be looked at. Instead I asked to be called back as I would use the time as well to look at my records. They agreed and the call ended. They never called back, instead, their in-house collection department called me in an attempt to collect on an outstanding debt in the amount of {$180.00}. While I was talking to the first agent that called I again explained that the amount was incorrect and my account needed to be looked at. Instead of helping me they said I owed {$180.00} and could I make a payment. I said no and the call ended shortly thereafter. After several calls back from the same department demanding payment of {$180.00}, I finally had to tell them to stop calling me unless someone was going to help fix my account. No more phone calls from anyone. When I called my bank on XX/XX/2021, trying for the final time to clear my account and after spending 55 minutes going round and round with the collection department, I found out my real XXXX payment was only {$82.00}. If you add the late fee of {$30.00} it's only {$110.00}. Far different then the {$180.00} they spent the month of XXXX trying to collect from me. It's simple math and the numbers don't lie. After almost an hour of round and round I finally had enough and told them to close my account so they couldn't keep adding on additional fees and fines. Despite proof in numbers they still wanted {$180.00} to clear my account.
Complaint sub-issue: Information belongs to someone else

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Complaint sub-issue: Investigation took more than 30 days

I am a victim of identity theft. I have filed numerous disputes with the credit bureaus. I have not received a response from the credit bureaus and it has been over 60 days.
Complaint sub-issue: Information belongs to someone else

I lost my purse at XXXX 3 years ago. I had utility bills opened in my name, credit cards, and even loans. I've been trying by myself to get this stuff off my reports. I need help. I was told y'all could help me. Please help me.
Complaint sub-issue: Information belongs to someone else

This is a follow up complaint to cfpb # XXXX. Equifax is incompetent in handling my affairs. On XXXX XXXX a request for block and delete of information on my credit report was submitted to Equifax via the cfpb and by fax. Equifax has neglected my request. 

Equifax response was Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ID : Current Address THE CURRENT ADDRESS HAS BEEN ADDED/UPDATED PER THE INFORMATION PROVIDED. NON REPORTING DISPUTES Inquiry : XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX  XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 

The FTC report and personal statement referenced ACCOUNTS on my consumer report not INQUIRES! Equifax you are not doing your job. You assumed this role of housing my consumer report. It is your duty to handle all request by the consumer correctly. 

You are reporting : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You have 48 hours to block, block and make the reflections to my consumer report or you will be held liable in federal court for not properly handling my affairs. I will be seeking compensation for monetary damages!
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, I got a letter in the mail from Unifin Inc . It stated that I had atotal amount due of {$4900.00} and that I must pay it or this would be reported against me. The letter lists three different debt companies : XXXX XXXXXXXX XXXX XXXX. None of which that I have any accounts with. I had an account prior with XXXX that is past the statue of limitations to begin with. The issue at hand is the fact that I am a 100 % completely XXXX Veteran and became XXXX while serving my country. This company is contacting me about some debt they can't validate because I was overseas and had protection from the military lending act as well as the service members civil relief act ( scra ) from XXXX XXXX when I became XXXX. All accounts were notified when I XXXX and when I became XXXX. This company is harassing me for debts not owed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have credit inquiries on my Equifax credit file. I have disputed these items time and time again. I disputed these on XX/XX/XXXXthat I had no knowledge and I did not authorize these inquiries. I received an email the next day on XX/XX/XXXX that the investigation was completed and they were not going to remove them. I called back on XX/XX/XXXXand spoke with a representative name XXXX and inquired about the inquiries and she advised that there were no inquires on my report. I asked if she was sure and she said there are n't anything showing until inquires just regular accounts. We were disconnected I called right back and was advised by another representative that there was n't any inquiries showing not even soft inquiries. I called on backXX/XX/XXXX to check to insure that there was n't any inquiries and the rep stated that yes they are. I told her about the phone call last night and the two reps said nothing was showing. I did not authorize these inquiries, the inquiries are. I know Equifax was the affected by a Security Breach this summer and I am afraid that my credit file might have been apart of that breach. XXXX XXXX - # Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - # Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I tried fixing this problem since XX/XX/2020 the EQUIFAX did not do their job send them many requests and waited months.I had letter from " XXXX XXXX '' showing there are not reporting late payments for XXXX XXXXXXXXi am attaching letter as a proof from " XXXX XXXX '' I hope they fix this Chaos ASAP.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX.XXXX.2017 I initiated a dispute with Equifax concerning incorrect information within my credit file. After their investigation, they correctly removed two of the three disputed items. The remaining disputed item was being reported incorrectly. It was a state tax lien that has been paid. Equifax was not showing it as paid as the other credit reporting bureaus were. This item was not corrected.
On XXXX.XXXX.2017 I initiated a dispute with Equifax concerning the tax lien that was still not reporting as paid. I did at this time also include additional information concerning the removal of incorrect information and agreement that all XXXX credit reporting agencies mad with the National Consumer Assistance Plan. This plan states that liens without proper identification, social security numbers, consumers ' names and addresses, dates of birth or other federally mandated identification can not be included within a consumers credit report starting XXXX XXXX, 2017. All XXXX bureaus signed onto this agreement. This tax lien is being reported by a 3rd party, and not Equifax themselves. Equifax has not verified any information themselves, which they are required to due now. At the least, this lien is paid. At the most, this lien should be removed from my credit report. The other XXXX reporting agencies have removed it in accordance with the agreement between the National Consumer Assistance Plan and trhemselves.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

Discover Bank is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.
Complaint sub-issue: Trouble with how payments are handled

I have requested FedLoan Servicing to provide a history of all payments made on my student loans : including the date, amount due, amount paid and the date that each payment was credited. I have requested this information on 5 different occasions, but have never received it. I am enrolled in the Public Service Loan Forgiveness Program, so the accuracy of their records vs my records is very important. I have been in this program since XXXX/XXXX/2009. According to their calculations I have only made 68 payments that qualify. I, on the other-hand, have calculated 80 payments. I want to research this discrepancy by checking their payment history vs my records and they will not provide that information to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an FTC report with inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong
Complaint sub-issue: Problem getting my free annual report

Equifax repeatedly prevents me, despite being a victim of ID Theft from receiving my copy of my federally protected CREDIT REPORT
Complaint sub-issue: Information belongs to someone else

I sent a complaint on XX/XX/XXXX to remove inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 's XXXX, XXXX, XXXX. I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ) has been sending me collection notices in the amount of {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 States : A consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts.

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Complaint sub-issue: Account status incorrect

I have paid off XXXX XXXXXXXX XXXX and it is still being reported as if I owe. Also items that should be deleted are still being reported on my report. 

Any accounts that are showing me as authorized user should be removed. It affects me negatively and it is not my credit.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax Numbers ( XXXX ) XXXX Fax Phone Numbers ( XXXX ) XXXX Phone ( XXXX ) XXXX http : XXXX They have been trying to collect on an auto loan that has been paid off. XXXX XXXX # XXXX balance {$8900.00} date opened XX/XX/2021 for Carmax Auto Finance # XXXX
Complaint sub-issue: Trouble getting information about the card

I received a US Bank Reliacard in the mail XX/XX/2020. I did not ask for it, I can not make it work. I think the us government is sending me money via this card, and I am unable to access the funds, and unable to obtain a balance on the card. I tried two different phone numbers, and they are too busy to speak with me, so I am unable to solve the problem thru US Bank. the numbers I tried are XXXX and XXXX. 
So I think my US Bank funds are held up in limbo. Can you contact them and have them contact me so I can use the card and obtain my funds? thanks XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX   XXXX   on  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  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  XXXX   XXXX  I WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO  XXXX   XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX
Complaint sub-issue: Account status incorrect

Equifax incorrectly shows a XXXX XXXX XXXX revolving credit card account as OPEN. It is CLOSED.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX XXXX XXXX XXXXConsumer to EQUIFAX am I requesting your agency do an independent investigation for the account listed above with XXXX XXXX PLEASE DO NOT PARROT BACK USELESS UNVERIFIABLE, INCOMPLETE, INACCURATE INFORMATION. I have disputed this item several times and your company has not done an investigation as required and you have refused to send me all of the requested documentation. XXXX, EQUIFAX, AND XXXX ARE EACH REPORTING COMPLETELY DIFFERENT INFORMATION THROUGHOUT THIS ENTIRE ACCOUNT. 

I never had an account with this company. I have no knowledge of this company. I have no knowledge of owing this company at all. I never gave this company my written consent or permission to obtain any information about me nor did I give this company permission to publish any information about me. I never signed anything making XXXX XXXX  the ASSIGNEE. 

I AM REQUESTING YOUR AGENCY CEASE OF ALL REPORTING WHILE INVESTIGATION IS IN PROCESS. IF YOUR AGENCY CAN NOT PROVIDE EACH AND EVERY DOCUMENT, I REQUESTED IN THE TIME ALLOWED PERMANETLY DELETE THIS ACCOUNT FROM ALL CONSUMER REPORTS IMMEDIATELY. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY ACDV- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE CONSUMER FILE, CONSUMER REPORT, FILE DISCLOSURE-PLEASE SEND I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE/VERIFY THIS INFORMATION PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

15 U.S. Code 1681n 15 U.S. Code 1681i CEASE ALL CONSUMER REPORTING WHILE INVESTIGATION IS IN PROCESS PERMANENTLY DELETE IF UNVERIFIABLE, UNABLE TO SEND ALL REQUESTED DOCUMENTS. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY
Complaint sub-issue: Information is not mine

I just check my credit report and it was said to have a home loan, i have never receieved a loan in my life.
Complaint sub-issue: Talked to a third party about my debt

In 2013, I suffered an emergency room visit while traveling for work out of state. I was seen by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX Utah. Phone : XXXX. I presented them with my medical insurance and was discharged the same night. I told them I was traveling for work and that my company 's work insurance should pay for the visit. I never heard from them again ( a year later, I moved ). When I ran my credit report in XXXX 2015, there was a medical collection for {$650.00}! They never tried to contact me ( my phone number has n't changed in XXXX years ). They refused to delete the collection from my report after I paid it in full ( no longer worked for the same company ). By then it was with a collector and they refused to re-call the debt. They shared my personal medical information with a debt collector, violating HIPAA and refused to re-call the debt even when I offered to pay in full and even after I explained I had no knowledge of the debt. This collection is reporting on both my XXXX and XXXX reports and I would like it removed due to HIPAA violation and the fact that they did n't disclose it to me prior to sending to collections.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX  XXXX Date opened XX/XX/2015 XXXX