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

I have disputed with all three credit bureaus.XXXX, XXXX and Equifax the inaccurate information they are reporting on two XXXX XXXX charge off accounts from XX/XX/XXXX. They continue reporting a balance on both accounts although these accounts have been charged off since XX/XX/XXXX therefore further damaging my credit when I am trying to purchase a home. I understand that this type of reporting is unalwful per FCRA section 1681. I have submitted letters and have called all three agencies and have been unable to have this inaccurate information removed since XX/XX/XXXX. My last letter was sent XX/XX/XXXX and my last phone call to them was made XX/XX/XXXX. Accounts that have been charged off should not be reporting a balance. They continue to report 10 late payments on my student loans although I have submitted to them a letter from my student loan servicer XXXX that their are no late payments on my loans ( 10 loans ) and they still refuse to update this information. If any additional information is needed to resolve these issues please contact me.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX  XXXX in regards to two accounts ; the company is claiming there are two accounts that they claiming to be charged off in the amount {$2600.00} and the other is not reporting a balance. These accounts are negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The accounts in question # XXXX and # XXXX the whole account number is n't reported as well. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is XXXX. Fast forward to XX/XX/2022 XXXX closed the account and it has a {$0.00} balance on my XXXX credit report. So I assumed the company responded or didnt respond to XXXX. I called the company XXXX regarding an item on my credit report. The rep I spoke with read the script to me saying this is a recorded line, etc. She then stated that XXXX didn't have any accounts with my name on it that they could file on my credit report. I then stopped her and said that the company was indeed reporting on my credit report. She mentioned that it was odd because the account I was speaking about was paid in full and shouldn't be on my credit report. She transferred me to have it removed but nothing happen. I spoke with them in XX/XX/2022. 

I then filed a dispute with XXXX to investigate to get this item removed but nothing happened.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX XXXX Account # XXXX** for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX*** for the amount of {$1300.00}, and XXXX XXXX-XXXX XXXX Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed. 

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation. 

I have also sent letters to all three bureaus twice disputing this same information.
Complaint sub-issue: Reporting company used your report improperly

unauthorized inquiries on my credit report Inquiry 5 Inquiry Date XXXX - XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX AZ, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 6 Inquiry Date XXXX - XXXX Creditor Name XXXX - XXXX Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - - Creditor Phone XXXX - - Inquiry 7 Inquiry Date - - XXXX Creditor Name - - XXXX XXXX XXXX XXXX - - - Creditor Phone - - - Inquiry 8 Inquiry Date XXXX - - Creditor Name XXXX BANK - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 9 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 10 Inquiry Date XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 11 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX - - Inquiry 12 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX IL, XXXX - - Creditor Phone XXXX - - Inquiry 13 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 14 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 15 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 16 Inquiry Date XXXX - - Creditor Name XXXX XXXX   XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX FL, XXXX - - Creditor Phone XXXX - - Inquiry 17 Inquiry Date XXXX - - Creditor Name XXXX XXXX  - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX
Complaint sub-issue: Old information reappears or never goes away

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. 

Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also according to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.
Complaint sub-issue: Account information incorrect

XXXX XXXX has an 60 Month installment loan with XXXX XXXX XXXX XXXX open on XX/XX/2018 to present that is paid as agreed on monthly basis. My Equifax credit report is reading a XXXX XXXX XXXX XXXX revolving loan instead of 60 month term installment loan, because it is missing 60 term on loan in the correct box under terms duration. Please update and correct my XXXX XXXX XXXX XXXX XXXX from revolving credit loan to 60 month term installment loan with Equifax, XXXX, and XXXX. For the months and duration of loan, it is missing 60 month term in correct box, Please add 60 month term to this loan in the correct box. XXXX XXXX states problem is with Equifax. Equifax states problem is with XXXX XXXX. XXXX XXXX XXXX just wants info corrected with both Equifax and XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made along with errors. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Debt is not yours

Equifax and XXXX XXXX I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Complaint sub-issue: Debt resulted from identity theft

I was alerted by the credit bureau that a Loan inquiry was submitted in my name when I reviewed my credit report I also noticed there was another credit inquiry on my credit report from the same company which I never gave permission to do as a matter of fact never spoke to anyone at Greater California Financial Services aka GCFS Inc until XX/XX/XXXX to question them about this fraudulent activity. XXXX from GCFS told me they can do this because they are a collection agency, I said not without my permission. I also found a Judgement on my credit report from XXXX filed XXXX XXXX, XXXX in the amount of {$4300.00} and just received a letter XX/XX/XXXX that I owe them over {$11000.00}. For one I was never served with any papers about any of this, to go to court on, so I went to XXXX XXXX records I saw a thick folder of papers I 've never seen in my life that this company has gone to court against me, with liens against me, including a fee waiver so it cost them nothing to file papers against me, a collection company with no money to pay the filing fee and the court grants it. Sounds illegal all the way around. They took over {$1300.00} XX/XX/XXXX from my credit union without my permission somehow, XXXX XXXX XXXX XXXX XXXX in XXXX CA, when I called to question this, the bank said GCFS sent us a letter there was n't anything they can do. GCFS has been taking money out of that account ever since XX/XX/XXXX, but the judgment from them was XX/XX/XXXX and I do n't know what for but every so often money is given to GCFS, I do n't understand this and do n't know how they can do this and the bank just keeps giving it to them. I 've reported them to the police to the Office of Attorney General, XXXX, I 've put a fraud alert on all XXXX credit bureaus but its GCFS a company that is doing the Fraudulent activity not a person doing the identity theft GCFS is using my name to put in loan inquiries without my permission never would I give them permission for any of this.
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 15 USC 1681 Name : XXXX XXXX & XXXX XXXX account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Information belongs to someone else

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XX/XX/XXXX XX/XX/XXXX # XXXX {$680.00} XX/XX/XXXX# XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$360.00} XX/XX/XXXX XXXX & XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$400.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$2100.00} XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$86.00} XXXX XXXX # XXXX {$170.00}
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax divulged my protected personal information due to a security breach that could have been prevented with proper security tools. I have submitted fraud alerts for both myself and my wife. I will continue to monitor my credit report to ensure that our information is n't used to steal our identities.
Complaint sub-issue: Trouble with how payments are handled

I have been making my payments on my federal student loans on time every month and do n't see any difference in the amount I owe. I even pay more than my required monthly amount when I can afford it and the amount still only goes down maybe {$50.00}. How am I ever supposed to pay them off and still be able to live and pay my other bills. I had XXXX private loans taken out for school as well and they are all paid off with paying my monthly payments and a little more when I can afford it. My school was XXXX College, XXXX Fl, which is now a XXXX University.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax XX/XX/XXXX, XXXX XXXX SOL : :XXXX XXXX XXXX XXXX XXXX XXXX  Credit Report Hard XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXXXXXX XXXX Promotional Inquiry Soft XX/XX/XXXX XXXX XXXX Account Review Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-21 Promotional Inquiry Soft These inquires were NOT MADE by MY Permission. ( what's promotional inquiry? / SOFT inquiry ) Who gave them permission?? Why did Equifax not alert me??? WHO allowed them to TOUCH MY CREDIT REPORT????

XXXX XXXX DID NOT take my authorization to secure my credit report for an application for Credit increase.

THEY HAVE DAMAGED MY CREDIT SCORE for the WORSE.

I GOT DENIED for a mortgage due to open / too many credit inquiries.
Complaint sub-issue: Account information incorrect

XX/XX/2021 I called Conn 's to check on my balance and to make a payment of {$2400.00}. I can't remember right, but I think my balance was {$3100.00} before making my payment. I paid {$2400.00} to help me bring my balance down so I could finish paying my account before the expiration date of XX/XX/2021. After XX/XX/2021 if my account was not paid in full I would be charged interest. After I made my payment I asked the representative if this would help me pay balance off before the expiration date. The representative said yes and even lowered my monthly payments. I was originally paying {$260.00} and the representative lowered my monthly payment to {$250.00}. The representative told me I would only have 3 additional payments of {$250.00} and this would pay my balance off on time. I asked if there would be any additional fee 's added to my total and the representative said no. My payments were being automatically withdrawn monthly. I called Conn 's again on XX/XX/2021 to confirm my account would be paid in full before the expiration date of XX/XX/2021. The automated recording said I owed something like {$350.00}. I pressed the option to speak with a representative & asked what the additional {$100.00} amount was for. The representative didn't know what that was for. I asked to speak with a supervisor and even the supervisor didn't know what the additional fee was for. The first representative I spoke with agreed that my account should be paid in full after my last payment of {$250.00} on XX/XX/2021. The representative said she would request my account to be reviewed. She transferred me to her supervisor and he said the same thing. I was told to check back because it would take time to be reviewed. I called again in XX/XX/XXXX and the representative I talked to said the request was denied. She didn't understand why because with the documentation and the payments that were set up on my account should've closed my account. She couldn't tell me what the additional {$100.00} amount was for & said she would send another request to have my account reviewed. I called again maybe towards the end of XX/XX/XXXX beginning of XX/XX/XXXX. I was informed again that the request was denied and the additional {$100.00} was a processing fee. No one ever told me this on my previous calls. I requested a supervisor and the supervisor was going to call me back before the end of business day, but she never did. I called around XXXX on the same day the supervisor was suppose to call me. I spoke with supervisor XXXX and she told me there was nothing she could do. She told me this was in my contract and unfortunately it took me to correct her employees and this would not happen again.I told her about the conversation I had XX/XX/XXXX with her representative who even lowered my monthly payments. I asked if my recorded call did not matter and she said no. My husband and I have purchased several items from Conn 's in the past and this has never happened. We have never been told of a processing fee. I don't know what to do. Please help me
Complaint sub-issue: Right to dispute notice not received

I do not know who this company is, never recur correspondence about this supposed debt. I am a military vet and I want this false collection removed from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

I just opened a XXXX XXXX and noticed Derogatory marks from Americollect XX/XX/2016 saying I owe them {$440.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this so called loan. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$8300.00} XXXX XXXX XXXX USA XXXX XXXX {$440.00}
Complaint sub-issue: Problem with personal statement of dispute

I filed a complaint with FCRA regarding XXXX XXXX and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached equifax report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty
Complaint sub-issue: Information belongs to someone else

CREDIT FILE : XX/XX/XXXX Equifax Confirmation # XXXX have disputed these Hard Inquiries with Equifax, as I did not and they are still listed, saying that they are factual. This is incorrect, I did not authorize these. I have submitted the attached FTC report XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX