Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, and how are you doing? 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Information belongs to someone else

My Name Is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX  a balance due of {$63000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I traded this vehicle in and XXXX XXXX was paid in full. ( Please see attached Account Closed summary dated XX/XX/XXXX, as well as the Last Payment statement dated XX/XX/XXXX. ) This false reporting of a closed account with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Seized or attempted to seize your property

To whom it may concern, On XX/XX/XXXX, a complaint was filed with the courts of XXXX XXXX WV. to issue a judgment for a repossessed vehicle. On XX/XX/XXXX this complaint for judgement was entered/granted to the plaintiff, Autovest, LLC Assignee of XXXX XXXX XXXX  against me ( defendant in the matter ) in the sum of {$7400.00} with accrued interest of {$3900.00}, at a rate of 14.9 % interest per annum from the date of filing or relief and the costs herein expended. This case has not been settled nor pushed for relief until 10 years later when Autovest law office issued a " Writ of Execution '' on XX/XX/XXXX to seize my property via sheriff in attempt to satisfy the then amount balance of {$18000.00} that they say we owe, this " Pracipe For Execution '' or Writ was to be kept alive for 90 days. On XX/XX/XXXX the sheriff returned for comment on this that said, " Returned. No Property Found. '' Since then, no movement for relief has been sought by either party until XX/XX/XXXX when the Autovest 's attorney issued a " Suggestee Execution '' order to garnish my wages in the now amount due {$21000.00}. This recourse is unacceptable due to the statue of limitation being up on this matter of debt collection and any actions pursuant to. Do you have any suggestions on how I can remedy this predicament or how I may protect my wages from this illegal garnishment/action? Your assistance with this matter would be greatly appreciated! I can only imagine how many other consumers are faced with the same challenges as I am with this company. 

Thank you!
Complaint sub-issue: Account status incorrect

This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using UCC 1-308, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX  never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only Congress can issue legal tender, and HJR 192 relieved me from debt, since it's public.
Complaint sub-issue: Information belongs to someone else

I am writing this letter due to the recent credit breach. My personal information was affected by the recent credit breach, your company has been placing obsolete, inaccurate information on my credit file. I am unaware of the inaccurate accounts and inquiries listed on my credit file. The letter is attached in the file below. I have file with the FTC, I have filed a police report against your companies, also filed a lawsuit against your companies for violating my rights, placing information on my credit without my consent, defrauding my credit file placing inaccurate accounts and inquiries on my credit file to compensate money for bad inquiries and accounts. Please be advised that this isnt a threat its the final goodwill letter.
Complaint sub-issue: Problem during payment process

I have been a customer of this credit card company for a long time. I have made purchases with the card, and have been making payments. The interest rate on my purchases is 10.99 %. I did a Balance Transfer recently, at an interest rate of 6.99 %. 

When I make my monthly payment, it is being applied to the Balance Transfer amount at 6.99 %. My oldest transactions are 10.99 %, and are not having the payment applied to it. 

When I make a payment, it should be applied to the oldest transaction.
Complaint sub-issue: Information belongs to someone else

hello, my name is XXXX XXXX. I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ACCT # ending in XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No full number shows on the report. 
All above have violated my rights. I am respectfully requesting the removal of the negative information from my credit report to all three reporting agencies. 
XXXX XXXX XXXX XXXX XXXX  A states I have a right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX A states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 
XXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent 2 letters requesting specific information regarding : 1. Agreement that grants them the authority to collect on this alleged debt, or proof of acquisition by assignment.

2. What did you pay for this account, and how did you calculate the current amount owed?

3. Proof of notice by certified mail with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX Please review the complaints I filed regarding XXXX. 

1st - The company has not been able to provider proof that the credit reporting was adjusted. My report still reflects negative. Per their response, XXXX advised that they corrected the negative reported to current. See the attached screenshots from emails I sent one from XXXX and they have not responded. When I call no one comes on the line. Its just an answer machine. 

2nd - XXXX allows you to withdraw credit that the loan has accrued and I have. It been able to withdraw the available credit. 
Since XXXX has failed to respond to me Im not sure what is going on
Complaint sub-issue: Reinserted previously deleted info

I filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The bankruptcy was completed and discharged on XXXX XXXX, XXXX. Equifax put the company, that was included in the bankruptcy as an open account, 1 month late with a balance of usage of 97 %. I complaint to them on XXXX XXXX, XXXX, explaining that the company was included in the bankruptcy and discharged. They ask me to fax documents proving this, which I did on XXXX XXXX, XXXX. 
I fax them my original bankruptcy paper dated XXXX XXXX, XXXX, a copy of all the creditors, which included the company I was complaining about and my bankruptcy completed and discharged papers dated XXXX XXXX, XXXX. They send me credit file : XXXX XXXX, XXXX, confirmation # XXXX. They just put included in bankruptcy, but left status balance amount of {$9200.00} and past due {$9200.00}. I claim again and spoke to Rep., XXXX on XXXX/XXXX/XXXX @ XXXX and complained about the balances, she transferred me to Supervisor, XXXX , she said she would file another complaint to the company, because she said the company has the right to report it and the would have to remove it, they could not. She said it would take an additional 30 days. I then contact the company ( US Post Office XXXX ), I spoke to XXXX XXXX on XXXX/XXXX/XXXX @ XXXX, I fax her the bankruptcy documents andshe changed the information 10 business days later. Equifax then updated the information, with what she put in the file, but they kept it as an open account, even throughit is not. So my credit score when up, with the corrected information. On XXXX XXXX, XXXX, Equifax reinserted the information and said the company did it. I have not had any problem with any credit reporting agency, but Equifax. All the other credit reporting agencies, when I send them my bankruptcy documents, did not allow any companies included in the bankruptcy to report anything, but that they was included in the bankruptcy and no balances, including the US Post Office XXXX. By them constantly putting this information on my credit report, it is constantly lowering my credit score. I do not know what else to do, but to have a third party, as your company, to get involve.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2017, {$33000.00}, XXXX XXXX sold the debt to XXXX. Giving my personal information away.
Complaint sub-issue: Other problem

I have a Visa credit card through CITI Cards. I pay the balance each month after I receive a paper bill. My account was switched from paper to paperless and back to paper several times last fall. I did not initiate this action any of these times. I contacted CITI because I had not received a bill and was told it was switched to paperless and had missed a payment. The Customer service rep said my account had been switched multiple times this fall. Because I did not initiate any of these actions I was transferred to fraud unit. They could not fined who initiated the action but insisted it must have been me.

CITI cards has a initiate to get customers to switch to paperless billing. The situation appears to be a " XXXX XXXX '' issue of company representatives initiating the change for financial gain. Nothing else explains the switch and switch back. 

CITI Cards did not take my concern seriously and initiate any internal review. Citi stated they waived fees but I was charged fees and my credit rating may be impacted.
Complaint sub-issue: Debt is not yours

Grant and Weber has posted two medical bills on my credit report one for XX/XX/XXXX and one for XX/XX/XXXX. Both for XXXX XXXX I never had any of the services on those dates and my medical insurance was with XXXX where it was fully covered. These postings and billing are erroneous. Please CEASE and DECEASE and remove all collection derogatory activity from my credit report
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit Reporting ACT XXXX Account Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 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: Was not notified of investigation status or results

ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Debt is not yours

Hunter Warfield has been attempting to collect on an alleged debt that was sold to them by my old Apartment complex in XXXX. During the move out process and apartment review, my roommates and I were offered by the apartment complex and chose to pay for an " express move out service '' which included a " professional carpet cleaning '' which would take place after moving out. 
After moving out, the apartment complex replaced the carpet without realizing the carpet had not yet been cleaned. They then charged us for the carpet replacement. We reminded them we paid for the carpet cleaning, but they said they had forgotten and opted to replace the carpet as they carpet " looked too worn ''. We said it was not our fault they had replaced the carpet without cleaning it first and per North Carolina regulation that we were not responsible for a replacement as the carpet did not exhibit anything beyond normal wear and tear. 
In XXXX of XXXX this debt was sold to Hunter Warfield. In XX/XX/XXXX we received our first collection attempt from Hunter Warfield and requested that they verify that we were responsible for this debt, as we knew they could not given that the apartment complex had broken their agreement, and that per North Carolina regulation we were not responsible for replacing a carpet that exceeded normal wear and tear. 
They did not verify the debt and in XX/XX/XXXX reported it to XXXX. At that time, we reported this violation and XXXX  removed the collection account from our credit reports. In XXXX, Hunter Warfield sent incomplete verification information. We contacted them again through our attorney to let them know that this did not verify the debt and they should cease all collection activities until first verifying the debt. 
We did not hear anything past that point in time until XX/XX/XXXX when they reported the debt to a different credit agency, XXXX  this time. We have initiated the dispute and contacted them to let them know they would once again be violating FDCPA if they did not withdraw the account. They sent back the same incomplete verification information.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a complaint in to Equifax, because I am a victim of identity theft. in response to Equifax, I am not a credit repair company, I am a person that has the right to utilize the CFPB which is what I am doing.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of XXXX XXXX XXXX # XXXX my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Information belongs to someone else

I've recently checked my credit report and realized I had several accounts reporting on my credit files that don't belong to me. I have zeros knowledge how these fraudulent accounts got on my credit file. 

1. XXXX XXXX Account XXXX XXXX XXXX Account XXXX 3.XXXX Account XXXX 4.DeptedXXXX XXXX 5.XXXX  Account XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX, PA, XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX  {$8100.00}
Complaint sub-issue: Threatened or suggested your credit would be damaged

stated to REMEX this is a HIPAA violation and the debt is not mine, i was even willing to pay the debt it if it would be deleted from my credit report ( only on XXXX and XXXX ) XXXX deleted it in XXXX, i was told no the would not deleted even if paid {$370.00}, told cedit bureau several times this not my debt and this is illegal to report this inaccurate information on my reports debt is from XXXX but relisted on my report as new account in XXXX
Complaint sub-issue: Reinserted previously deleted info

I have no knowledge of this bill from XXXX Hospital and have requested them to provide evidence of their claim. They never did, it was removed from my credit report and know it is back on.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX been paid down with XXXX Fcra violation XXXX   refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way
Complaint sub-issue: Reporting company used your report improperly

On XXXX I sent a letter to reinvestigate some incorrect items on my credit report. That letter was delivered by USPS by certified mail under tracking number ( XXXX XXXX XXXX XXXX XXXX ) and was delivered on XXXX. It has been past 45 days and no response to verify this item which is XXXX, XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I am attaching a copy of that letter and I sent a second letter on XXXX under tracking number ( XXXX XXXX XXXX XXXX XXXX XXXX to notify Equifax that 45 days have past and to delete this item from my credit report and they have not, which is a violation of 15 U.S.Code section 1681i- Procedure in case of disputed accuracy. 

I also sent a letter to Equifax to reinvestigate two items on credit report which is XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX It has been over 45 days and still no response and this is a violation of 15 U.S. Code section 1681i- Procedure in case of disputed accuracy. 

This is hurting my chance of getting a house and is not acceptable I also sent them my state ID and proof of residence.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter out on XXXX XXXX to XXXX and Equifax about a XXXX collection accounts which is XXXX XXXX XXXX and diversified adjustment However the credit bureaus sald they completed the investigation and everything was XXXX XXXX accurate. 

According to the law 15 U.S, Code 6 1681a - Definitions ; rules of construction. 
The term " investigative consumer report* means a consumer report or portion thereof in which information on a consumer 's 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. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation I want the CFPB to publish this description on consumerfinance.gov so that others can learn
Complaint sub-issue: Having problems with customer service

Fedloan Servicing was changing my repayment plan to an income contingent plan. During the filing process they let the loan become delinquent and reported it 60 days delinquent in XX/XX/2013.