Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I tried to obtain a XXXX XXXX card 3 different times ( since XXXX ) and they said that a company declared me as deceased. I wrote to XXXX XXXX and filed a claim ( CFPB ) that resulted in the discovery that Lexis Nexis is the company responsible for the incorrect information in their files. I have written to Lexis Nexis along with sending all the information that I sent to XXXX  XXXX to prove that I am not deceased. Also, according to XXXX XXXX, they also reached out to Lexis Nexis to let them know that the incorrect information came from them.

I have not received any correspondence or call from Lexis Nexis concerning this issue. I want them to correct my file and to tell me who is responsible for this information that they have in my file?
Complaint sub-issue: Debt was paid

I received a billing statement from XXXX XXXX on XXXX XXXX XXXX. This statement was dated XXXX XXXX XXXX, and was for the amount of {$100.00}. The due date was XXXX XXXX XXXX. The statement shows the amount, {$100.00} as 0-60 Days, Current. Not past due, not Delinquent, but Current. I paid this bill, check # XXXX, XXXX XXXX XXXX in the amount owed, {$100.00}. I needed to verify what the amounts were for, as XXXX has fraudulently billed my insurance carrier ( XXXX ) for a humidifier that I never had. Unfortunately, XXXX had already paid them {$150.00} before I found out and put a stop to it. Once I was able to verify that the amounts were for my XXXX machine, I paid the invoice. I received a letter from Global Receivables Solutions , Inc. dated XXXX XXXX XXXX saying my account was assigned to them for collection. They claim the collection is for the invoice which I had just paid, that was n't even past due.
Complaint sub-issue: Trouble with how payments are being handled

Nelnet was given standing instructions on how to apply my payments sitting a phone call to them in XX/XX/2018. Although, in XXXX, my payment was applied differently. I called them at the beginning of XXXX and was told that someone in the accounting department deciding that how they applied my payment was better for me, deliberately going against clear standing instructions that the staff member was able to articulate clearly from the notes on my account. I then called today, XX/XX/XXXX, to complain to a manager regarding this choice made by their employee. I was told that they would submit a formal complaint. I then requested that I receive a copy of the complaint. I was told that they could not and that was between Nelnet and the government.

There is no repercussions for this company and their inability to handle customers or their employees. No accountability to anyone.
Complaint sub-issue: Investigation took more than 30 days

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Information belongs to someone else

An account was opened in my name for Bloomingdales credit card. I have no affiliation with this company. I received a bill with this company and contacted them but they said I would need to handle it through this website because the person that opened in my name has all my correct information.
Complaint sub-issue: Their investigation did not fix an error on your report

I am formally requesting this CFPPB Complaint to update the listed account in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$24000.00} - You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be corrected.
Complaint sub-issue: Threatened to sue on too old debt

I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best.
Complaint sub-issue: Trouble with how payments are being handled

I sent in payment on XX/XX/XXXX its now XXXX XXXX on XX/XX/XXXXand nothing has processed for the payment sent in to pay in full a loan XXXX balance off of just under {$950.00}, that I sent in payment of {$950.00}.
Complaint sub-issue: Problem using a debit or ATM card

I recieved a text from on XX/XX/22 at approximately XXXX XXXX  from PNC bank saying my debit card was place on hold.. I called the number provided. Gave SS number, card number, PIN, security code. 
Then realized i was scammed..
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$30000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$960.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.
Complaint sub-issue: Report improperly shared by CRC

Credit file XXXX is under security freeze due to ID theft. Equifax released my credit information illegally to XXXX on XXXX/XXXX/2014 while the security freeze was in place ( see attached screen shot of my credit file inquiry section ) This is a violation of FCRA. I did not authorize this release of information.
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XX/XX/XXXX through XX/XX/XXXX of this  year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Complaint sub-issue: Not given enough info to verify debt

I have been with XXXX at various addresses since XX/XX/XXXX. Due to their horrible service I cancelled. From XXXX XXXX XXXX I spent 15 + hours on the phone with them. After cancellation I got a notice that I had a XXXX credit. All was squared away. Then dated XXXX I got a notice from Afni Collections saying I owed $ XXXX. I called XXXX. They admitted the never told me about the balance and admitted no bill was ever generated. My only notice of this was that I got a collection notice. I confirmed it was a valid collections company then paid it at once. I 'm XXXX XXXX XXXX today. I have never, ever had a collection notice in my life. I 'm fiscally responsible. XXXX failed to follow protocol by first issuing a bill to me letting me know I had an account in collections. I leave XXXX for three weeks tomorrow. Had I not happened to get my mail ( it just arrived today ) it would have hit my credit.
Complaint sub-issue: Reporting company used your report improperly

***SEE ATTACHED PDF FOR FULL COMPLAINT*** ***DO NOT IGNORE OR MARK THIS COMPLAINT AS FRIVOLOUS*** CC : Georgia Attorney General, CC : Consumer Financial Protection Bureau , CC : Federal Trade Commission, CC : XXXX XXXX  XXXX. Equifax, You have caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You have also caused me severe stress, which has caused me to go seek medical attention due to your inaccurate reporting & failure to properly verify. I have no other option but to seek legal remedy to help repair the damage you have done both mentally, physically, financially, and emotionally.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Description of Complaint : National Recovery assumed an old bill from XXXX  XXXX in XXXX. The last payment made to XX/XX/XXXX  XXXX was XX/XX/XXXX making the first date of deliquency XX/XX/XXXX. Even if the debt goes to a collection agency, seven years and 180 days from this date of deliquency the debt can no longer be reported. For this reason I successfully disputed this debt with XXXX XXXX and XXXX in XXXX and the debt was removed in XXXX. This month National Recivery Agency committed fraud by rereporting the debt to XXXX XXXX and XXXX dropping my score 15-74 points. National Recovery Agency needs to be prevented from making fraudulent reports and suffer consequences.
Complaint sub-issue: Their investigation did not fix an error on your report

A month or so ago, I contacted Equifax to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/. I faxed them a statement, " PROOF '', from XXXX XXXX  that proves the account was " CLOSED '', and that XXXX XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to Equifax. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that Equifax had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a XXXX pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX XXXXXXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.
Complaint sub-issue: Reporting company used your report improperly

Equifax is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. 

They are in receipt of that information since XX/XX/2021 and have not done what i demanded as a Federally protected consumer. Not following Federal Law makes Equifax Criminally liable. 

Under 15 USC 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 Equifax written permission/ consent to report anything on my consumer report. No consent means Identity theft which Equifax can be held criminally liable Equifax is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I am off work on medical leave with no pay due to severe health issues and have been off for three months with XXXX income and don't know when or if I will be able to return. I have XXXX savings and no money. Yet XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX and Citibank Wayfair credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft. I've been receiving bills in the mail for a couple of years now and just never payed much attention to them. My credit report recently got pulled and I wish I would of found out sooner of the outrageous amount of accounts that have been open under my social security number. Please remove all these accounts from my report. 

XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$420.00} XXXX XXXX  XXXX {$420.00}
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$820.00} written off. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$10.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$690.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FCRA violations : not my names XXXX XXXXXXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

Due to current dispute that you have closed with the CFPB and alleged that all accounts disputed were verified by legal means, I demand your method of verification pursuant to 15 USC 1681i in all items disputed. According to the FCRA I am entitled to a detailed description of your methods to verify this information. In addition please provide documentation provided from you from original creditor showing consent and informed consent. 

I was not given any information on opting in or out of credit reporting, nor was I supplied with anything that said my personal information with be furnished to a third party of any sort, and since the US banking system relies upon your truthful and unbiased reporting 15 USC 1681a. I require that you act in due diligence to secure my rights as a consumer in this transaction and behave in good faith. According to your policy, you receive all relevant documentation so secure consent and I would also like to see these documents with my wet ink signature. 

Per page 3 of your data sharing policy, you say that consent was given please also provide this documentation showing that I gave my consent for my information to be shared. ( Equifax ) For good Measure : 16 CFR 1028.116b informed consent : Informed consent occurs when there is agreement to an interaction or action rendered with knowledge of relevant facts, such as the risks involved or any available alternatives. Informed consent often comes up in the contexts of legal ethics, medical treatment, and waiver of constitutional rights. 
The elements of this are including but not limited to : decision capacity, documentation of consent, disclosure, and competency.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX-i have never had it, in 2017 i was and still with XXXX XXXX XXXX. Don t understand how and why I'm being charged for this bill.-my x and his family h as used my ss # in th e pastt, been cleaning up this mess for years.please help m e take it off myh credit. Ty
Complaint sub-issue: Was not notified of investigation status or results

I have submitted disputes for the inquires on my reports and no one has updated me yet ..
Complaint sub-issue: Sent card you never applied for

US Bank sent me a credit card I did not apply for. I received it in the mail this morning. XX/XX/2020.
Complaint sub-issue: Debt was paid

I had a credit card through XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. My husband and I used a debt consolidation loan from CitiFinancial to pay it off in XX/XX/XXXX. Now years later my bank account are being garnished and XXXX XXXX states they never received payment. The debt was sold to a debt collector about 2 years after the consolidation loan was taken out to pay it off. All other debts that were paid using the loan are paid, this is the only one that was not. We have paperwork from our loan that says that money was sent to XXXX XXXX XXXX. If it was not sent as the loan says then Citifinancial breached the contract. When we called to get copies of the paperwork they were unable to provide copies of the checks or account numbers associated, though we brought in our statements and they wrote the checks from those. They stated that since it was over 7 years ago they no longer have check copies and can not provide me with any proof that they were ever sent. We were never in possession of the checks and CitiFinancial dispersed all funds themselves. My bank account, as well as my children 's are wiped clean at least once a year for the past 7-8 years for a debt that we took all steps to pay in XX/XX/XXXX
Complaint sub-issue: Account information incorrect

MY EQUIFAX CREDIT FILE REPORTS THAT I HAVE A BALANCE OF {$8500.00} ON XXXX XXXX. I DO NOT OWE ANYTHING TO XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to XXXX   advising of my dispute and requested validation of a closed XXXX/ERC collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). XXXX simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against XXXX for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from ERC, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted ERC on XX/XX/XXXX and verbally verified they had in fact received my dispute. If XXXX is truthful in that they were in fact sending the disputes to ERC since XX/XX/XXXX, ERC is in violation of the FCRA. If ERC ONLY received the request for validation after my CFPB complaint, XXXX has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.
Complaint sub-issue: Account information incorrect

XX/XX/2020. This account was settled and closed. It was negotiated and promised from the collection agency that upon payment acceptance the debt would be totally removed from all 3 credit bureaus. It was only removed from XXXX  and not XXXX  or XXXX. I expect the collection agency to uphold their agreement and remove the listed debt from reporting. As well as the information that is being reported to XXXX and XXXX  is reported incorrectly.
Complaint sub-issue: Debt was result of identity theft

i received a notification in XXXX of XXXX that the power company in upstate NewYork ( XXXX XXXX ) had an outstanding charge in my name for {$110.00} from XX/XX/XXXX Upon investigation through National Recovery Agency in XXXX, PA it was determined that this resulted from identity theft. The charge occurred in XXXX and i moved out of New York State in XXXX. I subsequently filed a police report with the XXXX County Police and was issued an incident number on XX/XX/XXXX. Thereafter I submitted the incident number to National Recovery who advised me they would follow up with XXXX XXXX. After waiting more than a reasonable time I began making weekly calls to the representative with whom I had been speaking. Each and every time the recording stated that the person at that extension was unavailable and that I should leave my name and number and my call would be returned. To date I have received no information.
Complaint sub-issue: Their investigation did not fix an error on your report

Information received back from dispute to XXXX XXXX validates my reason for dispute. 
Letter from XXXX XXXX states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 

2. Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 

3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 

4. One report shows paid, and other shows as derogatory thats still in collections. 

These are multiple inaccuracies which are in violation of my rights under FCRA law.