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

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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened : XX/XX/1994 Balance : $ XXXXate/Open Late Dates XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following account is not 30 days late, I never made a late payment on the accounts ever. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX XXXX XXXX,
Complaint sub-issue: Account status incorrect

Ive reported to all 3 bureaus, and all said closed account, now they updated to charge off/collection except XXXX. How is there a balance on an account that was reported closed. Now its saying charge off/collection on 2 reporting agencies. ( XXXX and Equifax ) after XXXX deleted it first! Account was reported closed XX/XX/2021
Complaint sub-issue: Problem using a debit or ATM card

I was charged {$250.00} at XXXX XXXX XXXX XXXX XXXX obviously fraudulent charges. I contacted XXXX they said contact your bank so I did that and bank says not fraudulent.
Complaint sub-issue: Reporting company used your report improperly

I disputed something with the credit reporting agency, after 30 days it has not been removed, which is a violation of 15 U.S. Code 1692 ( e ) ( f ) ( g ).

I want this deleted.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 15 USC 1681. 

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

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Trouble getting, activating, or registering a card

On XX/XX/XXXX I filed for unemployment during the time i enter the wrong address actually the wrong City and zip. So I never still until this day have not gotten a Card from U.S. Bank Relia Card from Work Force Commission. When I Applied i put my address as XXXX XXXX XXXX XX/XX/XXXX XXXX but should of BEEN XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. I have called someone called back stated someone would contact me but still as of today no one has called. Then I have sent 1 letter to Card services XXXX XXXX XXXX Receipt number XXXX XXXX XXXX XXXX XXXX still have not heard nothing. 1 to XXXX XX/XX/XXXX receipt number XXXX XXXX XXXX XXXX XXXX but still have not heard nothing from them. I have been checking and since a changed my status to direct deposit i now have been getting deposit in my bank. But I still have my money total of {$5800.00}. I can not get access to. I really need it to get caught up on my bill. The land lord only holding off due to I let him hear that my funds are still on my card. Please help me. 

XXXX XXXX XXXX XX/XX/XXXX ID # XXXX last XXXX XXXX XXXX Phone # XXXX
Complaint sub-issue: Debt is not yours

This is a formal complaint against MSCB INC for attempting to collect a debt that does not belong to me. On XX/XX/2021, I received a letter from MSCB INC, stating I had a past due balance of {$96.00}. This letter was sent to me in error as I am not XXXX XXXX XXXX. Also, I do not have any outstanding balances with " XXXX XXXX XXXX. '' Per the FDCPA, collection agencies have to send a written notice of debt to consumers before reporting the debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' I request MSCB cease from contacting me regarding this invalid item as it does not belong to me.
Complaint sub-issue: Was not notified of investigation status or results

Provide how these accounts were Validated or Delete the following accounts reporting inaccurate and obsolete information.

1. XXXX XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to XXXX XXXX. 
a ) Promptly delete that item of info from the file of the consumer. 
XXXX. XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to me. 
b ) Promptly delete that item of info from the file of the consumer. 

XXXX. XXXX  XXXX After reinvestigation under paragraph 1 of any info disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall c ) Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2021 Bureau Of Account Mgmt violated by rights as a federally protected consumer. I have proof Bureau Of Account Mgmt is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Bureau Of Account Mgmt written consent to report any of my personal information to a third party Credit Bureau.Violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. They have communicated with me at an unusual place which is my credit report. Bureau Of Account Mgmt is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Bureau Of Account Mgmt has harass and harmed my reputation by reporting this information on my credit without consent stop me from receiving services or goods. 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Bureau Of Account Mgmt stated they were given consent which is false representation. Bureau Of Account Mgm is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in collection of debt. .
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX A XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Debt was paid

I have tried for years, to tell all 5 of these derogatory medical " bills '', that XXXX XXXX would've paid these. They are all either false, or been paid in full by XXXX XXXX. And yet they still drag my name through the mud. It's kinda funny, that out of dozens or possibly hundreds of medical bills, these are the only 5, XXXX XXXX didn't pay for me. Ask XXXX XXXX in XXXX, NC how many years I was covered by XXXX. I'm sure all of these are in the same time frames.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XXXX I have diligently remain consistent disputing a medical collection agency by the name of : XXXX XXXX XXXX that have made every attempt to attach me to a unverifiable account. On XX/XX/XXXX I filed my first CFPB complaint on this company for the refusal to answer a certified mail letter within 30 days to my request for validation that was very specific in detail to show proof that I am the person this debt belong to. 
complaint # XXXX On XX/XX/XXXX XXXX XXXX XXXX Replied with an Erroneous acquisition about a phone call with attempts to resolve the debt with statements that I admitted to the debt, when the only purpose that call was initiated was to simple request validation after over a year of disputes being advised by the responses from each credit bureau to contact the funisher of this negative reporting which is what I did. 

I also contacted the original creditor for the same reason in XX/XX/XXXX and was told to contact the owner of the debt XXXX XXXX XXXX  ... .so on XX/XX/XXXX I filed a second CFPB complaint on XXXX XXXX XXXX # XXXX CFPB replies XX/XX/XXXX that the complaint was sent to the FTC XXXX .Ive never heard from the complaint since that reply. 

On XX/XX/XXXX I filed a CFPB complaint # XXXX for XXXX verifying this account that was never verified with me through the collection Agency as required by Law. 

XXXX v. XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX ( S.O.N.Y. XXXX ) ( citing 15 U.S.C. 169Jlg ). This includes informing the debtor of his or her right to ask the collection agency to 'Validate ' the debt. 

I repeated disputed with XXXX to re-investigate the collection account only to receive that they verified the debt accurately reporting without revealing method of verification as requested. So on XX/XX/XXXX I filed a CFPB complaint # XXXX. 

All correspondents are within these complaints numbers above to show that I have done what is required from a consumer to resolve a unverified collection on my credit report. 

Equifax then deleted the collection account from my credit file.
Complaint sub-issue: Information belongs to someone else

I've contacted XXXX, XXXX, and Equifax  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I received a solicitation from XXXX by XXXX XXXX in the mail on XXXX/XXXX/XXXX addressed to my XXXX XXXX XXXX daughter saying she is eligible to apply for a personal loan. I called XXXX ( XXXX ) to request they remove every individual at my mailing address from their solicitation list. The XXXX representative asked for the names of all individuals in the household, which I refused. The representative said they would not be able to remove " everyone '' at the address unless I gave their names, and suggest I contact every credit reporting company with my complaint. I disagree with this practice as it violates my childrens ' right to privacy and protection against predation. XXXX XXXX has no need or right to request the names of my children.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed accounts on my credit report that was not validated or 100 % accurate and this company did it properly investigate the items reporting I also filed a complaint with XXXX XXXX XXXX  I am filing this complaint on my own behalf
Complaint sub-issue: Frequent or repeated calls

CREDITOR-REPUBLIC FINANCE CONTINUES TO CALL MY PLACE OF WORK AFTER I HAVE INFORMED THEM THAT PERSONAL CALL ARE FORBIDDEN AT MY WORKPLACE.
Complaint sub-issue: Company closed your account

discover credit card froze my wife 's credit account without authorization because they needed to review tax returns and income. my wife had an established credit with them for two years. when i called to to ask about my wifes account they closed my account. this will affect my credit even though the credit card are payed in full. this company has not right close my account and affect my credit.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX  : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

XXXX  : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  : 1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$100.00}
Complaint sub-issue: Problem using a debit or ATM card

I submitted a debit card fraud claim with CitiBank on XX/XX/XXXX for the amount of {$4100.00}. ( XXXX ) CitiBank denied my claim on XX/XX/XXXX without any specific reason. Also, there was no response after I submitted an appeal for the claim decision.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX  account has violated my rights. 
# XXXX XXXX XXXX. 
# XXXX CHILD SUPPORT ENFORCMENT. 
# XXXX XXXX XXXX XXXX. 
# XXXX XXXX XXXX. 

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 faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX , XXXX XXXX XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened XXXX XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXXXXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.