Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I have been receiving various bills from Americollect representing various hospitals in Wisconsin and enough is now enough. I do not attend these hosptials and the most recent one is from XXXX XXXX XXXX Hospital for XXXX. Several years now Americollect has been doing this and ive been blindly paying amounts that I do not owe in fear of my credit report. I have contacted Americollect about these debts that are not mine and the recorded phone calls have ended up in the operator saying they are not sure how to handle fraud, and me being hung up on. This is a serious and extremely crippling financial scam that I now need to spend more money for an Attorney to fight this company ( s ). When does it end? When will they stop? I do not go to these hospitals, XXXX XXXX XXXX has been the major culprit. Please some one has to know something on how to stop these people.
Complaint sub-issue: Frequent or repeated calls

Procollect calls me every day for a {$220.00} debt that i owe to XXXX XXXX XXXX i already told them i would try to resolve this in XXXX pending if i get my settlement check or not they still keep calling me at XXXX
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Account information incorrect

I have tried several times to contact the company AmeriCollect about a duplicate account that they are reporting to my credit report and it is affecting me from obtaining credit. My last dispute I attempted was last month and it came back verified and updated. The accounts are the same. Same amounts. Only difference is that one has an A added to the end of the account number. One was reported on my account on XX/XX/XXXX and the duplicate was reported on XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

There is inaccurate information reporting on my credit report.Account number XXXX, This inaccurate medical account was paid to the original data furnisher XXXX XXXX and should not have never been put on my credit report. I would like for the whole account to be deleted immediately. It's not reporting 100 % accurately. It doesn't even have the name of the data furnisher, nor any other identifying information.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
Equifax 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX 1.XXXX XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX ...

Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...
Complaint sub-issue: Information belongs to someone else

I have no knowledge of this account and i have not conducted any business with the creditor
Complaint sub-issue: Reporting company used your report improperly

Updated and new information regarding complaint XXXX. LexisNexis stated in its letter to my CPFB complaint that it reached out to me via email to request information regarding authentication. LexisNexis never sent me an email asking me to authenticate. The only thing they sent me is a letter in the mail which I have attached. They asked for me to send them info to authenticate via mail or email. I sent them an email to the address they provided giving them a copy of my drivers license and the information they requested in the letter on XX/XX/XXXX. I have attached a copy of that email showing that I did respond. In there letter they stated the closed the investigation on XX/XX/XXXX. Also in the letter LexisNexis indicated that the 3 consumer reporting agencies XXXX, XXXX, and XXXX are the ones who are responsible for the bankruptcy being on my consumer report. I called all three companies and they informed me that it was LexisNexis that was responsible for furnishing the information to them and that they are required to report that information under the FCRA. Someone is lying and I the consumer am being harmed by these deceptive practices. When I called and spoke to an LexisNexis agent via telephone they stated that the investigation was still open and would be concluded around XX/XX/XXXX or XX/XX/XXXX and that they would send an updated consumer report. LexisNexis lied in its letter to the CPFB and I have proof showing I submitted the information they were looking for.
Complaint sub-issue: Account status incorrect

The Discover Account is reporting erroneously. The debt was fully forgiven and discharged, and yet the account is still reporting on my credit. This account needs to report a XXXX  balance or be deleted from my credit in its entirety. Please see the attached 1099C.
Complaint sub-issue: Debt is not yours

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This I C SYSTEM account with a balance of {$70.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Complaint sub-issue: Information belongs to someone else

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX  XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Complaint sub-issue: Public record

This is my first time attempting to correct my credit history. I had many judgements against me and my property. They have since been clearded theough the XXXX, XXXX Md. Please help resolve this issue. Thank you!
Complaint sub-issue: Account status incorrect

Disputing the inaccuracies of all XXXX bureaus regarding the multiple charge-off on my credit report. However, they are in violation according to 15 USC 1681i ( A ) ( 1.A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the account as it is fraudulent & was opened without my consent or knowledge. 

XXXX XXXX XXXXXXXX XXXX Balance {$0.00} Date Opened XX/XX/2013 XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. These have been rough times during the covid 19 phase
Complaint sub-issue: Their investigation did not fix an error on your report

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

This debt collector XXXX XXXX XXXX, XXXX keep harassing me by telephone every other day by having different people to call me about a XXXX bill that was not settled back in XX/XX/2012. I inform the creditor then that I was not responsible for them given an authorization regarding this account to another person, therefore I could not afford to pay the debt then or now. I am XXXX years old XXXX on a fixed income. I barely can pay my rent, buy my meds and food with what I have in income. I could not possibly give them over a thousand dollars not ever. But these different people from XXXX keep calling asking personal questions, refuse to stop calling me after I tell them not too! It is harassment ; disrespectful and it upsets me with my current medical condition. I have ask them to stop and have blocked their number, but somehow they keep calling and even have tried to send me mail. I will not respond to their threats and offers of solutions because I can not afford to pay for someone else 's mistake on this very old account with XXXX.
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Id like to file a complaint against Equifax for violating section 611 Of the FCRA. I filed a complaint with Equifax for reporting inaccurate information. Equifax verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both Equifax and all the data furnishers listed below the required letters & I have not received anything from any of the companies. Ive further sent Equifax request to remove these items for lack of response & theyd ignored my requests to remove the items which I know are inaccurate. Equifax is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX PXXXX XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}
Complaint sub-issue: Report improperly shared by CRC

This credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from a third-party agency. Therefore, it MUST be deleted.
Complaint sub-issue: Problem getting your free annual credit report

I tried to get my free credit report from Equifax online and was denied, stating they could not confirm my identity.

Then I ordered one via automated phone using my phone that was on file. After one month no report came.

Then I called the company and they said I would need to fill out a paper form from their website so I did and sent it in four weeks ago and still no report has come.
Complaint sub-issue: Reporting company used your report improperly

This is in addition to complaint ID XXXX I am a natural person. I am a living, human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. 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 written permission to furnish these accounts. I have been fighting this debt forever, as it is not mine. I have made numerous attempts to understand the inexplicable pattern of so many inquiries one after the other the same day, the same lender, repeatedly within a month but, what I can't seem to understand is how the top companies in the world couldn't flag such activities on my account but worse than that you couldn't even contact me to make sure it wasn't an error. I repeatedly try to look for answers and explanations from you and was led to believe without even questioning its legitimacy. I'm a VICTIM of Equifax DATA breach in XXXX. I have rights as a victim. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX {$2000.00}, XXXX XXXX XXXX I Acct # XXXX XXXX {$19000.00}, XXXX XXXX XXXX I Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal {$1500.00}, XXXX XXXX XXXX XXXX XXXXXXXX Bal {$1700.00}, 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: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 XXXXXXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello I have provided the credit bureau with all of the information they needed. They still have not updated my report. I sent in letters in the mail for months and when I spoke to them they told me that they received my information and to wait a couple of days for my report to reflect the items removed. I have been waiting and calling and it has been over 50 days. I am trying to get this done it is very important to me and I have already sent in what was needed. These things need to be removed. XXXX XXXX XXXX Account XXXX, XXXX  XXXX  Account XXXX, XXXX  XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX OF WO Account XXXX, OFFICE OF THE ATTY GEN XXXX, CHILD SUPPORT ENFORCEM Account XXXX, and XXXX XXXX/FLORIDA MOR. My name is XXXX XXXX XXXX. This is the only way my name should appear on my credit file.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 XXXX, XXXX XXXX mailed a letter about things on my credit report that is inaccurate and not mine. as of today, it has been over 60 days and I have not got a update. It seems I am being taken advantage of and my consumer rights are being violated ; several violations are taking place. The law states that if a investigation is not complete in 30 days, thats a reason for the items to be taken off of my credit report. Delete these items from my credit report immediately because section 611 ( a ). If these items are not deleted immediately I will file litigation due to the damages and stress inflicted on me. These items are inaccurate and do not belong to me. I have been denied credit and jobs because items that are not accurate are being reported. This has crippled my ability to care for my family and no one seems to care. My rights have been violated and still are being violated bureaus who have to power or authority to report anything about me unless I give them permission. I have not given my consent to furnish anything about me on my credit report.
Complaint sub-issue: Investigation took more than 30 days

Hi, I've tried asking Equifax through several debt validation letters sent on XX/XX/XXXX along with certified mailed returned receipt to send me all documents in my credit file that their sending me accounts are verified. Equifax is not allowing me to exercise my rights as a consumer to validate an alleged debt. Equifax knows that a company must have proof of validation of the alleged debts and has a job to make sure it is reporting entirely accurate and fairness of credit reporting. Equifax received this letter on XX/XX/XXXX and this debt collector has not sent me any documents that I asked for they are violating 's my right to validate the alleged debts, It has been far over 30 days since they have responded with the information request. I would like to demand audit trial for the accounts listed/furnished inaccurately : XXXX XXXX, XXXX and Dept of EducationXXXX XXXX Equifax also deleted the inquiry XXXX and reinserted with sending me a reinvestigation letter within 5 days of them reinvestigating this inquiry. I did not authorize nor benefit from the following inquires. According to FCRA the following inquires must be blocked and removed ( XXXX XX/XX/XXXX ) This is an injustice to continue to violate my rights as a consumer boldly, I also never gave them written permission to furnish this report no consent is identity thief, and they know that as well.
Complaint sub-issue: Deposits and withdrawals

This probably won't do any good but I am so frustrated with Bank of Texas. 
XX/XX/2020 - Opened checking accounts with Bank of Texas for 5 XXXX  We did our best to transition from XXXX XXXX to BOT in the middle of a pandemic. 
XX/XX/2020 - Scheduled an online ACH for the comptroller to pull out taxes of about {$7500.00} on XX/XX/2020 XX/XX/2020 - Made a deposit with a XXXX XXXX Cashiers check {$8900.00} BOT gives two receipts - the deposit receipt and then a second receipt showing if funds are delayed. ( did not realize this as a new customer ) I looked back at my records and did not find the second receipt. So I based my actions on the online account and the first deposit slip. 
XX/XX/2020 - Funds are not withdrawn from the account XX/XX/2020 - I call the Comptroller inquiring and they said the bank rejected the transactions and I had {$480.00} of fees and penalties. 
XX/XX/2020 - I Asked the bank why they rejected the transaction and they said they gave me a delayed receipt and they hold new customer deposits for 7 days. 
I had no idea they would hold a XXXX XXXX cashiers check for that long. I have been affected by XXXX and I am doing the best I can with extremely limited banking options and resources to get money moved around. Cash was not an option from XXXX XXXX and I think holding a cashier 's check for 7 days is extremely unreasonable. Especially if it shows available on the BOT online portal. 
My complaint is this - My online account showed the funds were available. BOT said they gave me the receipt and a copy of that delayed receipt is attached. So nothing will probably happened to them but I think during a pandemic of this magnitude to not work with people on trying to help them within reason take care of payments and move cashier checks to be available sooner is really unAmerican. We are clearly not all in this together because BOT said they would not help me with any fees and if I need to find another bank I need to do that. I do not think they should allow their online accounts show one thing and clients have to rely on a second piece of paper to know they don't actually have access to their money that came in the form of a cashiers check for 7 days. Our XXXX  is already in XXXX state and having fees like this for a mistake that was beyond my understanding is another devastating blow to our XXXX XXXX  that probably won't make it anyway.
Complaint sub-issue: Account status incorrect

I have filed a dispute with the company and the credit bureaus several times since XX/XX/2017 and the negative report is still showing on my credit report. I have never been late with this card and it still shows 30 days late on all my credit reports.