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

Dear Collector : Please be advised I XXXX XXXXXXXX state this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger an action for damages brought by an individual consumer against Americollect INC, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 
Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX state that your claim is disputed, and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this  alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of all claims against myself, and your tacit agreement to compensate : XXXX XXXX for costs and attorney 's fees. If after careful review of this debt, you find you have no valid reason to further your interest with me, please delete any negative information you are reporting to the credit bureaus and send us written verification this account has been deleted and closed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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  have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report, we are approaching 60 days. I would like for like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the Equifax data breach which has also have me worried and stressed out.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$18000.00}. 
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. 

-- INSTALLMENT LOANS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These are the other hard inquires : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX deal services, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX BRANCH ( FINANCE ), XXXX XXXX ( Bank ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Problem accessing account

I tried to access and overlook my new checking account online this morning, XX/XX/2022, but was only granted access to my long time existing credit card. 
I reached out to CitiBank customer service, and was referred to call the fraud department ( XXXX XXXX XXXX, opt. XXXX ). 
I provided a representative with my debit card #, SSN, name, address, security word and other personal info to verify my identity. I was told I could not be authenticated through a text message code verification, so no information or action would be taken to oversee the status of my account. I provided the associate with my phone #, and they insisted I use someone elses phone number, perhaps a brother or a sisters phone number, the representative told me. 
When I questioned how that could possibly identify me as an account signer, I was told to go to the branch, and the representative discontinued the phone call. 
I tried to contact the department 2 more times.

The first time the representative just kept saying hello, and seemed to just push number keys on the telephone. 
On the third call, I was told again that unless they could send a code to the phone number which I was calling from, they could not access my account. 
I asked to escalate the situation with a supervisor, and both the first and third representatives informed me no supervisor was available. I asked for the representatives name and they quickly disconnected the phone call.
Complaint sub-issue: Debt was paid

I am a XXXX veteran. XXXX XXXX XXXX has a contract with VA ( Veteran Affairs ) to provide local care to veterans. I provided my VA ID and got XXXX services on XXXX and XXXX. VA paid XXXX XXXXXXXX for services however I found they ( XXXX  ) put me in collections for {$400.00} and {$1600.00}. Contesting this, it was discovered the wrong information was entered into XXXX XXXX XXXX. VA has contacted XXXX on XXXX different occasions and instructed them on the proper way to enter veterans ' information. They will not remove this from collections. All representatives tell me that it takes XXXX days to fix. This time have expired. I have been collections for 1 year. I've disputed these collection account accounts with the XXXX credit bureaus to no avail.
Complaint sub-issue: Their investigation did not fix an error on your report

Company never validated Bankruptcy Ask for identification
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/XXXX a charge came in from XXXX for XXXX. I was charged XXXX for this transaction. I have been in contact with XXXX my account with them is currently on hold. Pncs reason for not refunding this charge is due to a refund given back in XX/XX/XXXX. {$36.00} is excessive for {$1.00} charge. I also believed I had an at work checking account and therefore would receive no charges such as monthly fees. For one month I fell below and was charged a fee of XXXX.
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. 

Account name : 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 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: Was not notified of investigation status or results

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA. XXXX D.O.B.- XX/XX/1986 S.S.N.- XXXX To whom it may concern : The following account : 1 ) XXXX XXXX XXXX ( Acc. # : XXXX ) is inaccurate and I ask that this account be removed from my credit report.
Complaint sub-issue: Account status

I 'm just trying to get XXXX to take the XXXX bill out of collections. It was paid - XXXX took it off, but it 's still showing through XXXX. 

Thanks - XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/XXXX - {$430.00}, contacted them to send a verification of debt and haven't received anything. 

XX/XX/XXXX - {$430.00} - Have not received the verification that was requested. It is reporting through the credit bureaus and I am requesting verification of the said debt.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau 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 is the incorrect personal information that are still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

have disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft, This fraudulent account doesn't belong to me. I dont recognize it, nor did I authorize them., Can you please delete and block the following fraudulentinformation from my credit report. 
*see Attached*
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. 

XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Account status incorrect

XXXX XXXX account # XXXX. I received a notice from XXXX XXXX stating that this account was pas due. I knew I didn't have an open account with XXXX  so I cent a certified letter to them which they received asking for information on the account because i didn't have an account with them. I never received anything further from XXXX. I received an alert from a credit monitioring site stating that an account on my credit was just marke as 30 days late. I called XXXX   and they told me that I had a Streamline account and that the yearly fee had been assesed. I informed XXXX that I no longer had a Streamline account with them and this account was closed months prior if not a year. I don't even have a checking/savings/or loan account with XXXX  anymore so I asked her how was it possible to have a fee assessed on a closed account. This streamline account was one that I was approved for {$500.00} that I could barrow money from the account and make monthly payments until the barrowed amount was paid back. XXXX  closed this account long before I left the bank totally. The account was in good standing and had been closed and updated on my credit file for several months to a year. I do not understand how this bank could charge a {$25.00} fee on a closed account that they closed and how could they add a 30 day late to an account that was closed but in good standings. How would I pay a yearly fee on an account that was closed, one that I didn't even have access to because it was closed and I don't bank with XXXX since XX/XX/XXXX. The person I spoke with at XXXX XXXX on XX/XX/XXXX stated the account wasn't properly closed which I don't understand wither because it was closed long before this happened and it showed on my credit report which I can provide to show that it was closed. I then proceded to ask the lady from XXXX  ok, clearly this was a mistake on XXXX part so how do I rectify this incorrect information on my credit report that you all reported and she told me that she could send a note to her lead but this was something that I would have to take care of by disputing with the credit bureaus. Why could it be so easy to report incorrect information but not go back to update the credit bureaus with the correct information? This account was never late as it had been closed and in good standing. She removed the charges fromt the closed account said that she believed it wasn't properly closed which I don't believe is true because I showed on the XXXX  account that it was closed and it showe on the credit report that it was closed. Waking up to a 51 point drop in a credit score because of a mistake by XXXX  is not fair and then the XXXX  rep acted as if she didn't care. I have disputed this with Equifax and XXXX and it's not on XXXX and the account is as it should be on XXXX  ( in good standings ). I have attached Pictures from my credit report to show that this account was closed as XXXX  closed it OVER a year ago. They late was added the end of XX/XX/XXXX or first of XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX XXXX XXXX  listed my account as being delinquent and threatened me with foreclosure, XXXX sent me documentation stating as such. 
However I have NEVER been late on my Mortgage payments. So on XX/XX/XXXX, I called and spoke with a XXXX XXXX Account Representative named XXXX, and XXXX and I discussed my situation. XXXX admitted that XXXX XXXX  made a mistake. XXXX promised me that she would correct the issue with my Credit report as it was being negatively effected by XXXX XXXX  's INCORRECT listing of my mortgage payments. After further consideration I realized that XXXX XXXX  's inaccurate account of my mortgage account has negatively effected my credit report. So I called in again and spoke with XXXX, a supervisor on XX/XX/XXXX and she informed me that it takes approximately 10 days for my credit profile to be updated with the correct information. However, it was never updated. On XX/XX/XXXX I spoke with XXXX of XXXX XXXX  and he transferred me to XXXX, employee number XXXX who promised me that he would rectify my credit stating that I have never been late which would restore my credit scores. However as of today, XX/XX/XXXX this situation has not been rectified. Due to this, my Auto Insurance has increased, my home owners has increased and my anxiety level has increased due to me having to pay more due to a mistake made by XXXX XXXX. If XXXX XXXX  would have never made the mistake, then my credit scores would have never been negatively effected. As promised by XXXX, I was to receive a follow-up letter from XXXX XXXX  stating that the discrepancy was a result of XXXX XXXX  and that any and all negative information put out by XXXX XXXX  would be corrected by XXXX XXXX  and any and all negative information created by XXXX XXXX  would be corrected ergo Mr. XXXX XXXX would not suffer from adverse information that was put into circulation by XXXX XXXX. A letter that was provided, XX/XX/XXXX was not sufficient as it did not correct the discrepancy nor did it rectify the damage that was already created by the initial discrepancy. 

Please assist me in rectifying this issue. Thank you!!!
Complaint sub-issue: Information belongs to someone else

I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. My information was also impacted by the equifax data breach and May have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX I, XXXX XXXX sent a FTC report letter regarding inaccurate and unknown things on my credit report. 

I AM A VICTIM OF IDENTITY THIEFT. POLICE REPORT and COURT CASE ATTACHED I feel I am being taken advantage of and being ignored. Section 605 ( B ), it is plainly stated 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. It has been well over 4 days, so they should be block and deleted promptly. I demand these accounts be blocked and deleted immediately or I will file for ligation due to the stress you caused me. My information is also impacted by the Equifax data breach and my have gotten into the hands of the wrong person. 

I, XXXX XXXX give you FULL PERMISSION to move forward with this investigation. I have attached my driver license and social security number to let you know this is in fact XXXX XXXX giving you permission.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the fair credit reporting act, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX  account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX XXXX Has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency Can not furnish an account without my written instructions.
Complaint sub-issue: Public record information inaccurate

I sent a letter on XX/XX/2022 and XX/XX/2022, in which I followed up on the public records status of bankruptcy, which is reporting inaccurately. In my letter, which is in accordance with the Fair Credit Reporting Act, section 609, I requested that you either remove the bankruptcy or send me ALL the following : 1. Method of Bankruptcy verification 2. Filing Date 3. Court name and person who provided the verification 4. Copy of the petition As of this date, the two responses, I have received, you have not validated nor provided me with any information requested, in the timely manner, therefore, in accordance with the FCRA, you are required by law to remove the reporting! I have also provided a copy of the letter provided from the Bankruptcy court themselves confirming that they do not furnish any information to any agency, of any kind. If any agency is to obtain that information, its at their own discretion, but it must in fact be true AND accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted an affidavit of truth and facts to Equifax. An unrebutted affidavit stands as truth and a claim can be satisfied ( only ) through rebuttal by counter affidavit point by point. I've sent this Affidavit of truth and facts so the CFPB can authenticate sworn testimony from my end.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.