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

I have been disputing this account for some time now with PROCOLLECT. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Complaint sub-issue: Debt is not mine

My mother in law inquired about a product for my wife and I at a previous address. We received a wireless box from XXXX XXXX XXXX which we never ordered. We called them and was instructed to not open it and just to return it back to the post office. We have been harassed by collection letters since 2013. We have responded and disputed all inquiries. We called XXXX XXXX XXXX Billing, Collections and Fraud department. They have no proof or documentation to support this debt as well as not being cooperative. The Fraud dept hung up on my wife. The billing said its valid but have nothing to support that we had an account with them. We ended up going with XXXX for our services for internet
Complaint sub-issue: Account information incorrect

I was laid off from my job so I called XXXX to tell them I'd be late paying. They supposedly marked it down. About 60 days later, I don't think it was even that long, I got a letter from XXXX a debt collector. I paid that day. It was only {$60.00}. They actually sent it to the credit agencies. It's been XXXX yrs now and it's crippled my life in many ways. My XXXX  would be XXXX, it's about XXXX because of this inaccurate information. I've called XXXX several times, disputed this with all XXXX bureaus and also hired XXXX XXXXthey we're totally useless. It says XXXX balance but it has a delinquency on my reports. I've tried everything ... How can 1 company have all this power over someone's life?? It's a utility in case I didn't mention that.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX have failed, lied to me multiple times and did not Properly investigate my multiple disputes for validation of two collection accounts on my credit report filed by XXXX XXXX XXXX, a collection agency of medical debts. 

The proof is attached, and my their own admissions, they did not have any means of Validation of the two accounts they were reporting up to XX/XX/2022, by their own admission! And they still do not have it only a fabricated HIPPA violation that is illegal! 

You should have removed these years when I first complained and every time in between! 

You have failed- do your job!
Complaint sub-issue: Billing dispute for services

I was a customer of XXXX Bank beginning in XXXX. During the XXXX XXXX  to XXXX XXXX acquisition my payments to my credit card did not post. I have paid online and on time since XXXX, but XXXX now XXXX does not show a payment between XX/XX/XXXX and XX/XX/XXXX and has reflected on my credit reports. 

I contacted XXXX XXXX, now XXXX to resolve this issue, I was given credit card case number XXXX on XX/XX/XXXX. I made a follow up call to the bank XX/XX/XXXX and the representative stating he could not locate the case number. XXXX XXXXXXXX had amble time to resolve this issue.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX XXXX sent me to collections on an amount that my insurance was late paying. My insurance did pay. XXXX XXXX XXXX  took that amount and applied it to other billings. Ones it was not for. Now I have a collection agency calling my " Progressive Management ''. on billings my insurance has paid, I have given proof of this,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : 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: Credit inquiries on your report that you don't recognize

On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX Services -XXXX XXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : -Professional Finance -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional unauthorized inquiries on XXXX XX/XX/XXXX : -Professional Finance -XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my another 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00}
Complaint sub-issue: Personal information incorrect

They changed my current address to an address that was my previous address over 10 years ago and refuse to fix it. I have uploaded and submitted my drivers license and mortgage document as proof but nothing has been done.
Complaint sub-issue: Debt was paid

My sister ran up a credit card in my name in XXXX-XXXX. 

I agreed to pay the debt and the credit card company forgave the the fees and penalties The fees have been resold to THE BUREAUS INC. They opened a new credit account in my name for the {$1600.00} that XXXX forgave on XX/XX/XXXX. 

The Bureaus contacted me about payment. I checked the laws in ohio and that debt has aged out. The debt should no be appearing on my credit report and the Bereaus refuses to remove it.
Complaint sub-issue: Information belongs to someone else

Someone else information/account has been added to my credit report. The account balance is XXXX opened on XX/XX/2XXXX XXXX
Complaint sub-issue: Account status

I am only writing this to have something on the record to show my lawyer for when court papers are filed when Equifax 's 30 days are up from the certified letter my lawyer had me send Equifax. I am curious as a previous communication from Equifax stated that XXXX XXXX XXXX was not currently being reported and I have sent Equifax a copy of the settlement by XXXX XXXX XXXX 's representative and myself and my lawyer claiming the debt can not be collected on by the defendant who was their representative. By that companies own admission, the account information was already in control of the account as the company sent it back before the settlement. This would make XXXX the defendant as much as their representative and needs to be removed.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because XXXX has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Complaint sub-issue: Debt was paid

The amount of {$980.00} was paid to XXXX. I did not receive any communication of debt owed to Enhanced Recovery from XX/XX/21 nor was I given the opportunity to pay the amount.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called for my Home Depot Store credit card for adding my spouse as authorized user. I also asked them to increase my credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my spouse 's credit profile or SSN? 
Called Home depot today morning. When wanted to talk to the supervisor, the call was deliberately dropped.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2022 I called EQUIFAX concerned about an inaccurate account that I had already gotten removed. Account number # # # # # # # # # # # # # XXXX from receivable managements systems was reported on my consumer report on XX/XX/2022 after I had gotten it removed in XX/XX/2022 ; I did not receive any notification of the entry of this negative collection, any validation of debt, verification of debt from Equifax nor XXXX XXXX  XXXX. While I was on the phone with an Equifax XXXX, I informed her that I already called XXXX XXXX XXXX and requested verification of debt and Validation of debt I did NOT receive any information for either. I then asked her what information did EQUIFAX obtain to verify the debt and the XXXX aid she did not see anything there, even though the account has been disputed before and Equifax allegedly completed an investigation but does not have any documentation regarding the debt. EQUIFAX and receivable management systems violated my consumer RIGHTS and I want the accounts removed to fine both parties {$1000.00} USD each for violations of my consumer rights, failing to protect me as a consumer.
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card & open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

i submitted documentation to all three credit agencies, only XXXX   corrected my information. Both equifax and XXXX, is lying concerning their actions taken, to resolve said matter.
Complaint sub-issue: Card was charged for something you did not purchase with the card

citi card is not addressing fraud on my account 1- two unauthorized vacation packages on my credit card were not disputed despite my request to citi 2- a charge by XXXX for XXXX was not taken off my credit card despite the company cancelling the flight. 

citi says they have to go by visa regulations?????? and they are not responsive to me i called citi several times and was told a supervisor would call me and they never did.
Complaint sub-issue: Account information incorrect

This is a two part complaint ... one the credit reporting agencies such as XXXX XXXX, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. On XX/XX/XXXX scores reporting XXXX XXXX, XXXX XXXX XXXX, equifax XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, XXXX XXXX, equifax XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last year XX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collections XX/XX/XXXX and reported to equifax. I started making payment beginning XXXX to XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported on XX/XX/XXXX score XXXX a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX XXXXnquiry dateXXXX XXXX XXXX  Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.
Complaint sub-issue: Reporting company used your report improperly

Equifax, a trusted credit bureau, improperly managed my credit report and has exposed me and 143 million Americans to identity theft. Given that credit plays into nearly every factor of our lives, this is n't something that should go unpunished. I would like to file a formal complain with the CFPB to request protection on my identity without having to pay any additional amount in addition to restitution for this ridiculous grief.
The fact that executives can get away with selling off their shares on insider knowledge and report this incident nearly three months after is ridiculous. Jail time should be involved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

INCORRECT INFORMATION ON MY CREDIT REPORT. MY PERSONAL INFORMATION WAS STOLEN DUE TO IDENTITY THEFT ON MY CREDIT CARD AND OTHER ACCOUNTS WERE APPLIED TO MY NAME. I FILED A POLICE REPORT AND SUBMITTED THE INFORMATION TO EQUIFAX, AND THEY REFUSED TO HONOR IT. I HAVE REACHED OUT TO EQUIFAX AS WELL AS XXXX XXXX AND XXXX, AND THEY ( XXXX XXXX XXXX XXXX ) REMOVED THE UNAUTHORIZED INQUIRIES ONCE I SUBMITTED THE POLICE REPORT.
Complaint sub-issue: Account status incorrect

I have reached out to XXXX  by online and mail. They have an account from XXXX XXXX XXXX  that has been closed for 3 years now. They are updating balances on the account every few months. This account is closed. They are opening up the account then closing it. Ive asked for it to be removed they have refused to do their duty as a credit reporting agency. There is no reason that it has been closed but continue to report
Complaint sub-issue: Information is incorrect

The following accounts are incorrect, and they are severely affecting my ability to make a living. 

XXXX XXXX # XXXX
Complaint sub-issue: Was not notified of investigation status or results

I wrote dispute letters asking for eqifax to show me how they validated the false information they were given they failed to respond to me within 30 days. They did not provide me any proof of the investigation or how they got their information
Complaint sub-issue: Threatened or suggested your credit would be damaged

I just received notice from IC  Systems of an al leged debt owed to  XXXX  in the amount of {$1100.00}. Please produce validation of this debt that I am unaware of. IC  System  has threated to report to all national credit bureaus of this alleged debt.
Complaint sub-issue: Was not notified of investigation status or results

8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with XXXX, XXXX, and Equifax. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.
Complaint sub-issue: Information belongs to someone else

I have been trying to buy a home so today XX/XX/19 I got my credit ran to see how much I qualified for, however, I was told that I was not eligible for any kind of loan because there were accounts reflecting badly on my credit report. I went through my credit report and none of those accounts are mine. I didn't open any of those accounts and I have never opened any type of account with any of those companies. I'm not sure who these accounts belong to or who could have got a hold of my personal information to open accounts in my name without my permission ; I have already gone to file a police report regarding these unauthorized accounts. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I participate in any transactions or payments that were made towards these accounts.
Complaint sub-issue: Talked to a third-party about your debt

This debt collection company has found a loophole in the law. They reported to the credit bureau and every month they add additional charges ( interest or penalties ) and also report to the credit bureau so every month my credit is dinged by additional collections amounts owed Company is PROGRESSIVE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX for emergency room visit Had I been admitted after staying there 7 hours there would be no extra charges outside what insurance paid. 
This has been happening sinceXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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

On XX/XX/2018 I sent a letters to XXXX and Equifax disputing the following items XXXX XXXX  XXXX for {$860.00}, XXXX XXXX XXXX for {$550.00}, XXXX XXXX XXXX for {$6400.00} advising that I have no knowledge of the debits. In my letter I stated I was requesting a signed confirmation with my signature that I opened the referenced accounts. Under the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file at the time of the request concerning all the accounts that are reported on my credit report. I saw where they removed XXXX XXXX XXXX from my report and then they added it back to my report. As of XX/XX/18 no one has notified me about my dispute or submitted any documents to me with my signed signature for all three referenced accounts. I am requesting that all three accounts be removed from my credit report immediately by publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness. I am attaching a signed copy of the letters that was submitted to XXXX and Equifax.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX and Equifax have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with XXXX, XXXX and Equifax and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws XXXX, XXXX and Equifax has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, XXXX and Equifax to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. XXXX, XXXX and Equifax should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for XXXX, XXXX and Equifax to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

My mortgage company XXXX XXXX XXXX  closed their doors abruptly. They turned over payment history to XXXX. I paid XXXX XXXX XXXX  through their company all the way to XXXX. Then started making payments to XXXX XXXX XXXX XXXX in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, XXXX XXXX reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX of XXXX. I haven't been with this company since before the pandemic started in XXXX. 

On top of that, XXXX XXXX is listing my debt as discharged due to bankruptcy on XXXX. My home loan was never in the bankruptcy.
Complaint sub-issue: Account information incorrect

I HAVE NEW INFORMATION to support my complaint On XX/XX/2022, I called Elan Financial Service regarding my financial hardship due to COVID-19. CREDIT CARD ACCOUNT # ENDING IN XXXX World Elite I spoke with an agent, who assured me that the CARES ACT would prevent late fees and late payment reporting from being assessed. 

I then made an attempt to contact the business to find out why this was being reported. When I explained that the information was false and that I had been promised that the late payment would be removed and the late fee waived, the representative said she couldn't assist me and that I would need to contact the consumer reporting agencies to file a complaint in order to have it removed.