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

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Balance : {$1500.00} Company : XXXX Account # XXXX Date XXXX Balance : {$3700.00} Company : XXXX XXXX Account # XXXX Date XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$960.00} Company : XXXX XXXX Account XXXX XXXX Date XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX Account # : XXXX Date XXXX Balance : {$5200.00}
Complaint sub-issue: Debt is not mine

My cell phone account ended after a 2 year contract however unauthorized use continued with billing phone calls to overseas merchants. The account was cancelled. XXXX customer service stated that account would be cancelled and I would not be charged XXXX dollar cancellation fee. Afterwards, XXXX forwarded a collection notice for XXXX dollars to a collection company and I immediately sent notice " do not contact '' & violates collection laws.
Complaint sub-issue: Debt is not yours

I would like to make a complaint against XXXX XXXX XXXX & Remex Inc.for Opening a cllaim against me dated XX/XX/2015 that I owe {$150.00} for a service I did not use or never have I heard of this Company about any due bills.and now this issues have been given to Remex Inc . Collections to destroy my Credit without trying to contact me about the matter First.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

I disputed and got no where on the credit to improve so I requested the credit bureaus to next explain there verification process so I cant see how they came down with they verified my account Violations 1681n,1681g,1681i,1681s-2,611,616,617,623,602Asec2,604A
Complaint sub-issue: Information belongs to someone else

In around XX/XX/2020 i came across my credit report and found several fraudulent accounts, but specifically XXXX XXXX XXXX Account # XXXX i immediately sent out a police report and affidavit seeking to resolve these inaccurate accounts. instead of them being removed they came back as being updated. I realized that several laws were broken according to the FCRA. meanwhile i have been held hostage by this company and the credit bureaus. My score and history is tied to my character and is now being dragged and marred. this further makes it worse especially during this whole covid-19 pandemic.
Complaint sub-issue: Account information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXXDate of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX, which went bankrupt a different company reporting I now owe them, closed accounts from more then 10 years old, paid accounts still showing as open on my credit report, 3 auto loans that were either closed or paid of by insurance companies still showing up as delinquent or open on my credit report
Complaint sub-issue: Public record information inaccurate

I recently submitted a request for investigation of these accounts list below, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate these accounts thoroughly enough the last time I submitted one. 
If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never file bankruptcy, but that I am not sure that these accounts are even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 
If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter. 
REMOVE ACCOUNT 1. US Bankruptcy Court Account # XXXX 2. US Bankruptcy Court Account # XXXX 3. XXXX Account # XXXX 4. XXXX Account # XXXX 5. XXXX Account # XXXX 6XXXX Account # XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681.I have the right to privacy and I did not give Equifax to furnish these accounts XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Debt is not yours

I have Dispute XXXX ( ERC Collection ), XXXX Credit Card, XXXX XXXX XXXX. In XXXX 2018-present with the 3 major credit bureaus, asking them to validate the following debt, under the fair credit report act, over three times. Being that this information is not valid. I have also set letters of Validation not vertication to each collection agency, there has been no response or just a copy of bill, that is not proof that These collections are valid.
Complaint sub-issue: Debt is not yours

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Complaint sub-issue: Their investigation did not fix an error on your report

In my attempt to correct inaccuracies reported by ; XXXX, Equifax, and XXXX, all three have failed to do so as regards the correct spelling of my name, the address at which I live, phone numbers that don't belong to me, an incorrect social security number listed by XXXX, unauthorized hard inquiries, re -insertions of an alleged debt made by XXXX XXXX of {XXXX} and reported by various collection agencies - once by XXXX XXXX and XXXX XXXX and now by a company referred to as XXXX.According to the date of the report by XXXX  , it appears that my right regarding the five day notification law was side-stepped by entering the date of report as XXXX - actual date not shown. I also made mention of the accuracy of the bankruptcy statement mentioned, whereas their reports show that the bankruptcy information came from the court. 
The date of my first attempt to correct matters was made by certified mail datedXX/XX/XXXX, which was sent to all mentioned credit bureaus. I followed with a second and third letter because in each case, their response was 'we have re-investigated and the reports were verified. ' My request for correction/deletion was ignored in that I asked for their method of verification to be shown in detail ; how was it verified, what was shown, was there documents shown bearing my signature of authorization, people who verified the information, their names, address and phone numbers - none of which was provided in the results of their investigations. 
In making my request, I provided proof of the correct spelling of name ; correct address, social security number, and a letter from the court stating that they do Not conduct any activities with credit bureaus.I provided copies of my drivers license ; social security card, mail with my correct address.I even reminded them of some the FCRA and FDCPA laws that apply. I mentioned filing a complaint with these protection agencies, the state 's Attorney 's office, the XXXX XXXX XXXX, and even my considering a small claims action against their company. To this day I am still trying to get these matters corrected.
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$740.00}.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Towards the end of XXXX/beginning of XXXX, I was alerted of my XXXX  score taking a drastic hit through an XXXX alert. After investigation, it turns out American Education Services ( XXXX XXXX XXXX XXXX XXXX XXXX was failing to draft my autopay payments from the checking accounts setup. I continued to see emails regarding posted payments all the way through XXXX, and was never notified through mail ( I have paperless billing enabled ) or phone call ( the company has had my current phone number on file for some time ) that there was a problem with the autopay failing. The XXXX XXXX I was using had been experiencing a number of issues with their online banking system, and I ended up going away from them entirely due to issues linking accounts online, getting payments, etc. 

I called AES to determine what the best course of action was, and they were of surprisingly little assistance : I was treated as though I could not make my payments when I had a flawless payment history along with zero records on my credit report of missed/delinquent payments. When I inquired as to why I was never notified of the issue regarding failed payments, I was given a runaround answer and simply asked if I was able to currently make payments. I immediately brought the account current and asked them how to dispute a " late '' payment ( that I was never notified of missing ) being submitted to the credit bureaus. I was instructed to fill out a form and send it in via priority mail to the address provided, but I have received no answer in roughly XXXX weeks now. 

I would like to dispute the singular error of my student loan payments failing ( which have historically never been missed on any of my accounts ) and dispute the predatory practices of reporting failed payments to the credit bureaus without any notification to the borrower via phone call, email, etc., when AES has all of my current information on file. This is clearly a mistake via an automated payment system and not my fault. Furthermore, the constant postponing of federal student loan repayment by the federal government has made tracking which loans are due and which loans are on a forced pause extremely difficult to monitor for the borrower. I would like to have this incident forgiven under the pretense that AES will properly contact me in the future regarding issues with my account.
Complaint sub-issue: Information belongs to someone else

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about of the identity theft. 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, remove the noteworthy of any items in my credit record that came about due to an alleged fraud. 
XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I was forced to move due to COVID and was XXXX XXXX XXXX taking care of COVID patients in XXXX OH. I never received information regarding my AES loans being late and my credit was hurt by them reporting delinquent account status. My loans were {$15.00} a month at the time and when I recertified for income based repayment my loans were {$0.00}. 

I never once received communication that I was late for payments until my credit report was hit with deliquent status. I have pleaded with this company to remove the negative marks to my credit with no avail. They consider it a courtesy however I was never notified ; how in the world can this be just reporting? I have since paid off the loan with a {$15000.00} payment from my checking account. I need help getting this removed from my credit report. It is absolute madness that this is allowed to stand. 

The company has had me dispute this credit reporting several times to no avail and provides absolutely zero help with getting this issue resolved. 

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

I have a XXXX XXXX  credit card and a XXXX car loan on my credit report nether one of these accounts are mine i sent in a dispute and FTC report and police report to the credit bureaus and the credit bureaus removed the accounts from my credit report. 

XXXX was removed - XX/XX/2021. 
XXXX bank was removed - XX/XX/2021. 

It is against FCRA to remove unverifiable and unauthorized negative accounts and place them back on the report once it has been removed. These negative items are back on my credit report. It is really hurting my score and credit profile and stopping me from getting a new home and a better position at my place of employment. Please help me get these negative unauthorized items from my credit report permanently. 

Attached will be proof that these items were removed at the above referenced date. 

Thank you.
Complaint sub-issue: Information belongs to someone else

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AND XXXX XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

I am a victim of the very blatant and misleading practices of " Credit Karma ''. 
On multiple occasions I was lied to and told I was 'pre-approved ' for both credit cards and personal loans. I applied and completely waisted my precious time as " credit karma '' mislead me into thinking I was pre-approved when in fact I was not. 
And to add salt to my injury, after being denied my credit score dropped by more then XXXX points!!!
Complaint sub-issue: Account status incorrect

I have a loan with ALLY, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ALLY and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX  and XXXX, and ALLY with no successful resolution. XXXX XXXX  and XXXX reporting me having late payments. There was an error on their part. I was never late.
Complaint sub-issue: Account information incorrect

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported 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 Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX You are reporting false information. I requested an investigation be done, and its obvious that you did not use the maximum possible accuracy or procedure to create the maximum possible accuracy. I gave you the account number and the problem thats being reported on my credit report when its not my debt. I asked you to do an investigation since XX/XX/XXXX I've called and spoken to you guys several times and just end up on the phone with people who arent willing to help and do their jobs. it's unfortunate to keep dealing with this nonsense. Your investigation was done in an improper manner. You were negligent in your investigation. Your whirlpool in your investigation and you're leaving me with false credit reporting. I'm protected by law according to FCRA, 15 USC 1681. I'm entitled to take legal action against you for doing a lousy investigation. A real investigation means you review documents, you talk to people, and you do whatever a reasonable investigation would require to get to the truth. I am XXXX XXXX, stating that the accounts you are reporting are false and do not belong to me. You're violating my rights according to the FCRA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. You stated the account was verified, but how is that possible if you did not do a proper investigation according to the law? Also, every piece of information on this account is still not 100 % accurate because this DEBT does not belong to me and, according to the FCRA, 15 USC 1681, everything has to be 100 % accurate. The Fair Credit Reporting Act ( FCRA ) has very favorable damage provisions for citizens of both negligent and willful violations. FCRA 1681o applies to negligent violations of the Fair Credit Reporting Act