Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB complaint addressed the XXXX XXXX XXXX to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the XXXX XXXX remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00}
Complaint sub-issue: Investigation took more than 30 days

Ive filed an dispute in regards to the incorrect items on my credit report its been well over 30 days an I havent received any investigation results.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXX Balance : {$190.00} ; XXXX XXXX XXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX  XXXXX Balance : {$1700.00}.
Complaint sub-issue: Account information incorrect

On XX/XX/2019 collection agency IC Systems reported an open balance of {$1000.00}, I contacted the original creditor XXXX XXXX and XXXX  to advise them this was included in Chapter 7 discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.
Complaint sub-issue: Application denied

i keep applying for citi card recently on XX/XX/21 they denied me bc they blacklisted me for no reason citi bank said based on prior citi accounts, i was never ever late on my old accounts always paid off my balance
Complaint sub-issue: Debt is not yours

RECEIVABLE MANAGEMENT SYSTEMS is the debt collection agency. 

Original Debt stems from XXXX XXXX XXXX XXXX. I did not receive any medical service from them. I have always had medical insurance coverage and the amount they attempted to bill me is well beyond what I would have been billed even if I had received service.
Complaint sub-issue: Account status incorrect

I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. XXXX and Equifax have the account still open. On the invoice it has the check bad in XX/XX/XXXX and it 's been reaged to XX/XX/XXXX. XXXX, Equifax, and XXXX have it reaged.
Complaint sub-issue: Problem with fees

With the Home Depot company I have had many times late charges assessed because of late payments, only to have them eliminated immediately after I provide electronic proof from XXXX bill pay that there is electronic proof the payment was paid up to two days before it was due. They remove the late fee immediately Also, they either have a poor system when receiving payments and have a history of sitting on, /or seemingly not processing payments on time. It seems the receivers are late processing, and system then shows a late payment and another department clips on the late fee. I think this has happened 6-10 times with me, while they assure me the Payment was late. I 'll bet they make 10 's of millions of dollars on this. Everyone know these companies love late fees and its actually a revenue budget line, and yes they say each year. HOW CAN WE IMPROVE THIS REVENUE!!
Recently they also reversed a late fee, as a courtesy ... ..but I still had to pay the entire bill and late fee? Why?, because instead of an immediate waiver/credit, they credited my account??? Is this legit/legal? I still had to pay the fine up front. On a {$1200.00} balance I would not even feel this credit of {$35.00} and still pat to pay it out of my limited monthly budget. 

For consumers making minimum or limited wages with mouths to feed this can be reason burdensome and hurt consumers a lot in the pocket book
Complaint sub-issue: Information belongs to someone else

Equifax continues to publish a fraudulent address on my credit report that was used to open a fraudulent accounts with XXXX XXXX and XXXX XXXX. 

I never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NY XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report, I am not happy to see the below items are still showing in there. I am writing because errors in my credit report doesn't fix your investigation.
Complaint sub-issue: Debt was result of identity theft

Company reports derogatory collection As medical debt company can not provide verifiable copy of original contract or receipt of service, Company refuses to provide debt validation as requested my XXXX has been used without my consent in the past 6 years without my knowledge credit alert on file since XX/XX/2013. SSN is not enough to prove debt validation without copy of original contract from original creditor to validate actual existent of original debt/contract. Numerous attempts for validation have not been met.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/22 - I placed a order with XXXX XXXX for {$320.00} for motorcycle parts. They did not have all the parts in stock that were ordered and shipped a partial order. I spoke with XXXX XXXX on XX/XX/22 and I was told they issued a partial refund of {$260.00}. My citibank account was never refunded any amount. 
I disputed this transaction with Citibank and was told they sided with the merchant. The merchant ( XXXX XXXX ) never shipped the complete order or refunded me the money for the parts they did not ship.
Complaint sub-issue: Personal information

I applied for a car from XXXX XXXX of XXXX. When they pulled my credit report they informed me that I had an extended fraud alert on my file with NO contact information. So I called Equifax to find out if this was true so that I could continue with my purchase of a car. The representative with Equifax told me that I would have to purchase a credit report in order for them to assist me. I purchased the report for {$10.00}. To my understanding I should not have had to purchase anything to fix my contact information. I am now still waiting for them to add a verification phone number to my report. This is absurd. I should not be denied credit because of Equifax wrongdoing.
Complaint sub-issue: Threatened to sue you for very old debt

XXXX debt collection violates FCRA by furnishing outdated account information and misleading the credit reporting agencies which in turn continue to report derogatory consumer information. 
XXXX falsifies the information to re-age the account to continue to report it as negative while it well passed the seven years a timeframe allowed for such reporting. 
XXXX failed to validate the account details and fraudulently changing the dates. 

Specifically, the account in dispute, which was put to collection in XX/XX/XXXX after a short sale ( aka " charge off '' ), continues to appear in credit history NOW, 11 ( eleven!! ) years after as negative and derogatory record despite seven ( 7 ) years allowed by FCRA. 

In response to consumer 's request for investigation XXXX intentionally failed to properly validate this debt DATES but intentionally furnished CRA with false information about dates of last payment from XX/XX/XXXX to make it appear 'NEW '. Due to such illegal purposeful manipulation this debt renewed and set to disappear from the cred report in XX/XX/XXXX - that is 12 ( twelve ) years from the original collection. 

Such misleading and fraudulent practices on behalf of XXXX is a direct violation of Fair Consumer Reporting Act. This practice of reporting an outdated negative information must be promptly investigated and stopped immediately.
Complaint sub-issue: Old information reappears or never goes away

I have 1 student loan over 10 years old that was charged off and sold..The loan is now showing as 19 closed accounts on my credit report, with all three reporting agencies. I have disputed over and over. The negative marks are removed and just added, again. Ugghhh!!! What do I do? I'm good with credit, I work hard and my credit score is low 500 's. How do I move on and get these negative fraudulent marks permanently removed from my credit report??? This is illegal, the original company wrote it off as a tax write off and sold the account. I have no binding contract with them. I want this removed permanently from all three reporting credit agencies.
Complaint sub-issue: Didn't receive enough information to verify debt

I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company is stating I owe charges for an apartment that is keeping me from obtaining proper housing. I have noticed that this company is also reporting inaccurate amounts to credit bureaus. Company is adding interest to the debt they claim I owe and reported different balances to the credit bureaus.
Complaint sub-issue: Problem getting your free annual credit report

Equifax has not been allowing me to get a report directly from Equifax any time I go online. I have called their customer service, I have even send in all the verification information such as DL, paystub, SS #, utility bill in my name and address etc. 

Equifax has the verification process set up to only provide questions that are totally unrelated to the person trying to get access. I have been dealing with this issue for over a year. 

Additionally, they show through 3rd party credit review sources that my credit score is over XXXX yet they told a creditor requesting a line a credit that my score was XXXX, while another creditor they gave a score of XXXX. 

I have to assume that this fraud is purposeful by Equifax. There is no excuse for never being able to get the free annual report through the website. I have upload verification as well as the letter and proof of identity I sent in XXXX 2017.
Complaint sub-issue: Overcharged for something you did purchase with the card

I am a US citizen traveling in XXXX XXXX.On XX/XX/XXXX I arrived in XXXX XXXX. Airport taxis were waiting for passengers and I mentioned that I had not exchanged funds to their monetary system yet as I had just landed and they assured me that I could use my credit card for the taxi. Upon arriving at my XXXX the driver used a portable XXXX XXXX device for the transaction. It was approximately XXXX miles from the airport to my XXXX. I did not receive a receipt since it was a taxi and I assumed that was custom. The following day I noticed that the charge was for over {$600.00} USD. I reported it directly to my city credit card they said it had to post first and then I could dispute the charge. I was shocked to find out that I was responsible for that charge even though it is clearly fraudulent. I contacted XXXX XXXX, no response and unfortunately I do not speak XXXX so I have not gotten very far in my complaint. Sincerely XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has a Promotional Block on my account, so when I recently applied for a Home Equity Loan my report came back with little to nothing on it because of this block and I was denied credit. 

I have called them twice XXXX do n't remember the dates ) and was told it would be removed. I have sent three letters XXXX XXXX, XXXX, & XXXX ) asking them to remove the Promotional Block. The first two times they told me it was removed, yet it remained. The last time they asked me to be  more specific ... I 'm not sure how more specific I can be by asking them a simple question to remove the Promotional Block! 
I first noticed the Promotional Block after the denial of credit when I requested a copy of my credit report and they sent me two copies. One with everything as it should be and one with hardly any thing on it and that 's when I noticed the line File Blocked For Promotional Purposes!
Complaint sub-issue: Contacted your employer

I have informed ATG Credit of XXXX  fraudulence. ATG Credit decided to call me excessively even calling my job and trying to force me to pay them after I have asked them not to contact me because I have communicated to both XXXX & ATG credit of their error. ATG Credit was very disrespectful in stating that I need to take care of this matter instead of listening to or reading the statements mailed to them. They are very aggressive and only care about getting your money at any cost even if it could cost my job with their rude phone calls to my employer. I had to take an early lunch and tell their representative to NEVER call my job again before I seek legal action. 
This debt is the result of XXXX miscommunication within their departments. Also, their negligence in enrollment into their school. And they think it is fair because of their negligence and miscommunication to solicit money from me. I do not have one credit, nor degree, nor textbook, nor bit of education or information other than the fact that XXXX assisted in requesting Financial Aid for me to attend their school, then they stated I was not eligible and then decided I needed to pay out of pocket. If I had the money I would not have needed Finanical Aid, yet they dug this hole and left me in it. They forced me to withdraw from orientation because I could not afford to pay. If XXXX want the {$3600.00} they are requeting then they need to provide me with a partial degree, or education because they have provided me with nothing but falsities on my credit report and rude debt collectors.

My next complaint is that I have tired to dispute this on several occasions with XXXX and you feel this reporting on my credit report is accurate. I would like to know on what grounds, so are just as bad as ATG Credit and XXXX. On what basis did you come up with that information. I then proceeded to contact every XXXX & XXXX number listed only to not be able to contact anyone to rectify this matter. At this point I feel that educational institutions and their debt collection counterparts are a disgrace to consumers as well as XXXX as they all work together to devalue you and not value your rights and take each matter case by case and truly investigate a matter, especially such as this one because XXXX created this issue, it is fraud that they can rip me off like this, I have nothing to show for it but a poor credit score. And ATG Credit is a bully just as XXXX by stating the information is accurate. It is unethical and fraud what they are doing!
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Az XXXX, phone : ( XXXX ) XXXX called me Today demanding {$4600.00} in Hospital ER medical services provided on about XX/XX/XXXX - XXXX   2017. 

My insurance XXXX XXXX XXXX medical insurance informed me that the medical expense was PAID and there is no any outstanding DEBT.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting an unknown address on my report. Please remove XXXX XXXX XXXX XXXX XXXX, LA XXXX from my credit report immediately! I have never lived here and this address was used to get an account in my name that resulted in me having a collection which was cleared due to the ftc claim and police report. I will be seeking litigation if this is not removed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter 537.012, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open XXXX has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX instead of being removed like it shows on my XXXX  report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX I have once again sent letter # 2 to all credit bureaus requesting the same information once more.
Complaint sub-issue: Account information incorrect

XXXX XXXX pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and XXXX XXXX reported late payments to the credit bureaus for each of the months the service did not make the payment. XXXX XXXX has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. XXXX XXXX assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX, a letter was sent regarding in accurate and unknown things on my credit report its been 45 days later and no response received. them people are I feel like are taking advantage of me and they are really really ignorning my dispute. What I do know is that Section 611 ( a ) plainly stated that a failure to investigate these items withn 30 days they have to immediately remove those items from my credit report. This has caused me have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. It has bee over 45 dys so they should be deleted now. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me and my family. My information was also impacted by the equifax data breach and my have gotten in the hands of the wrong person like scammers.
Complaint sub-issue: Other problem getting your report or credit score

I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove
Complaint sub-issue: Debt is not yours

AFNI added a collection to my credit report that does not belong to me. This is causing me great harm, as it has lowered my credit score. I am a XXXX XXXX ( XXXX ) and I take my credit very seriously. I have never missed a payment on any of my obligations. 

I closed my account with XXXX in XXXX. AT that time the representative stated I owed {$210.00} which I paid and have proof of payment if needed. I see the " opened '' date being reported as XX/XX/XXXX - this seems to me as inaccurate reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax multiple times to remove this account from my credit report it is involved in a Federal Law Suit for fraud committed against me. 

Please open the attachment below included is the Federal District Court Docket that proves this account is fraudulent. 

Account number with Equifax is XXXX
Complaint sub-issue: Account status incorrect

The  XXXX  credit companies that are  XXXX , Equifax and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.