Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have sent Americollect numerous letters asking for a validation of my signature demonstrating that they have a contract with me. They continually send me letters stating this is " what I asked for '', but it's just the same as always. No proof of my signature with them. Just some random letters and then they keep sending me my medical diagnosis and tests which I have had in the past. I clearly did not ask them to send that to me nor did I give permission for anyone else to send it to them. 
They do not have a signed financial consent from me therefore, I would like this removed from my credit report.
Complaint sub-issue: Debt is not mine

Someone keeps calling my husbands phone to collect a debt in my name.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX Account XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I never authorized any of these credit pulls.
Complaint sub-issue: Investigation took more than 30 days

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate the date last active is inaccurate, last date reported is Inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 602 A. Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions Also, Credit bureaus took more than 30 days to complete my investigation Here is my CERTIFIED MAIL Tra
cking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Complaint sub-issue: Frequent or repeated calls

I wrote two ( 2 ) letters to Mr. XXXX the CEO of Discover Card and two ( 2 ) complaints to the CFPB that because of the coronavirus I can not at present make payments! Not a word from him or Discover Card. In the last two ( 2 ) days there have been two ( 2 ) more dunning telephone calls! THIS IS AN OUTRAGE! And it shows that he and his company are being unpatriotic and un-American at this time when so many millions of Americans, including me, are because fo the coronavirus unable to pay their bills! Shame on him and his company! Even the IRS has moved the tax deadline from XX/XX/XXXX to XX/XX/XXXX. He can XXXX well follow suit!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax added two inquiries to my credit report from the brief period XX/XX/XXXX-XX/XX/XXXX. These inquiries are from XXXX XXXX XXXX XXXX , XXXX and XXXX which I have never allowed to perform any soft or hard credit check and neither am I interested or was ever interested in their services. From a quick online search both companies have come under scrutiny after claims they make inquiries and check credit without one 's acknowledgement. Currently, XXXX XXXX XXXX is in the process of a class lawsuit for doing this ; and XXXX has a website to report these cases which I have reported. I have not heard back from both companies and consumers state they have asked directly to get these unauthorized inquiries removed without success. I have also frozen my credit report file under Equifax 's service online and have taken further steps to prevent such incident due to a possible Equifax breach. I have tried contacting Equifax but was unsuccessful as I was told by a representative they can not remove inquiries even if they were not authorized ; that it was " a job for the companies that reported them '' to remove.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report Ive notice some unauthorized inquiries on my profile. 
The following : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX/ XXXX XXXX XX/XX/2022. 
Again these inquires were unauthorized and I request to have them deleted.
Complaint sub-issue: Information is missing that should be on the report

Equifax as falsely removed active accounts from my credit profile thereby reducing my credit from a XXXX to a XXXX credit score. 

Equifax removed my XXXX XXXX  account with a {$20000.00} credit limit 0 balance, ( 2 ) XXXX XXXX accounts and ( 1 ) XXXX XXXX account. 

This company will place these accounts on to my credit profile after I have made a complaint to the CFPB but then remove them again 2 to 3 months later. 

It is my intention to also file Federal action against them for illegal credit practices.
Complaint sub-issue: Account status

Credit Bureaus and collection company keep verifying and updating my account without sending proof of contract with signature. I also want to complain about not being notified within five days of reporting to the credit bureaus and that the collection agency was going to report to the credit bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted to Equifax a dispute involving XXXX XXXX. The account is incorrectly reporting with Equifax and I provided documentation and full credit reports to display the inaccuracies and request deletion Equifax says they did an investigation of my claims but they did not address any of the errors or delete the account in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. 

Thanks XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Complaint sub-issue: Problem getting your free annual credit report

Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from XXXX  only, requesting a bunch of prove-you-are-you data. Equifaxs phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.
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 {$180.00}, {$0.00}, {$6800.00}, {$2100.00}, {$0.00}, {$910.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$910.00} -This is not my account.
Complaint sub-issue: Problem accessing account

I applied for XXXX XXXX checking account on the XX/XX/2021. The account application was successful according to the multiple representatives I have spoken to. I have called in multiple times for the status of the account. 

Till date, I have not been able to access my account and each time I am given reason of " engineering team is looking into my issue. '' This is not acceptable as I have limited time to complete an account promotion for which I applied before XXXX XXXX changed the terms.. The bank is not able to give me access to my account and I feel like it is literally dragging the process so that I may not get the promotion.
Complaint sub-issue: Billing problem

I have attempted to make my monthly payment online through Ally 's website on multiple occasions. The first payment was made on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$1000.00}. The following day, I received a notice stating my payment was suspended. I contacted Ally customer service and explained what happened. I was told that because the account was still under repossession status, that is why the payment was rejected. The customer service rep assured me that the account was updated and that on the next business day a payment can be made. On XX/XX/XXXX, a new payment was made ( confirmation number XXXX ) in the amount of {$1000.00}. On XX/XX/XXXX I received another email stating my auto pay was suspended AGAIN. On XX/XX/XXXX, I proceeded to do a chat with a representative to correct the issue yet again. During this chat, I am told that I have to make 6 consecutive payments with certified funds. At this point my payment is late and my XXXX payment is now due. Given we are in the middle of a pandemic, I am attempting to make a payment online and avoid going to a financial institution ( which is currently closed ) to obtain a certified check. Ally will not assist me in allowing me to make an online payment via my bank account. This request is utterly ridiculous. I proceeded to contact Ally customer service at the 800 number to speak with a supervisor. The first representative hung up on me after I complained. The second representative attempted to help me. However, instead of presenting a solution to the online payment dilemma, the representative attempts to convince me to apply for a 30, 60 or 90-day extension due to COVID-19. She advises me that my payments would be added to the end of my loan. I am not having financial problems that I need to apply for an extension ( and pay more in finance charges ). I DO NOT NEED AN EXTENSION. I JUST WANT TO MAKE MY PAYMENT. Why is this so difficult?! I requested to speak with a supervisor. The representative placed me on hold and after 3-5 minutes on hold, she hung up on me. I am beyond frustrated with Ally at this point. I have own several vehicles of which I financed or leased with Ally. I have never had such a horrible experience before. 

I am requesting a call back from a supervisor/manager to resolve my issue immediately. I want to be able to make my online payments again.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I was unable to continue making payments on my Citi Costco Credit Card sue to Covid hardships. I communicated with a few collection agents for some time telling them I was looking for a drastic solution. Finally on a XX/XX/XXXX I spoke with an agent I had spoke with before telling him I had come across a lump some of money from selling assets of mine, that I would be paying the entire balance of the card the following day so that it would be brought back to current and I could utilize it again and revitalize my credit. He told me this would be no issue, that once the payment posted I would be able to use my card, he even reversed a late fee as courtesy and everything was good to go. Once my {$12000.00} XXXX posted on XX/XX/XXXX, my account was immediately closed, no questions asked. This was not only deceiving but manipulative and plain wrong.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 2. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Complaint sub-issue: Account information incorrect

Multiple Hard Inquiries were made without my consent or incorrect dates and followed credit bureau instructions to reach the lenders but they havent been able to help.
Complaint sub-issue: Information belongs to someone else

There are 12 accounts on my credit report that do not belong to me I have been disputing these since XXXX of 2020 this is causing me great anxiety and I am getting irritated that the credit bureaus are reporting wrong information I have not received anything back from the bureaus reagrding this complaint XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$1200.00} XXXX XXXX XXXXXXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXXXAmt {$0.00}
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$600.00} written off. 
XXXXXXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$330.00} written off. 
XXXX XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Account charged off. {$3300.00} written off. {$3200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$8600.00} written off. {$9400.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$600.00} Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$330.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX TX XXXX
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

On the XX/XX/2021, I called IC debt collection issuing to paid off a account and also to removed the collections off from my credit report. IC system collected unnecessary information to get a payment process. IC System Representative also agreed to process a pay for deletion. After, the representative received the payment. I was told my payment was something completely different from what I agreed to pay my debt for.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$81000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Didn't receive enough information to verify debt

Attempted to make payment arrangements and now I am been written by a Debt Collector ( FMA Alliance , Ltd File # XXXX ) ) adding interest to a debt that they have alleged they bought. I am asking FMA Alliance Ltd. to provide me with a written agreement they sign with XXXX XXXX  instructing them to contact me for the debt, and payment history of the account, address of the original owner of the debt.I want to believed that the amount on their collection letter is inaccurate and crossly misrepresented. 
Thanks, Concern Customer
Complaint sub-issue: Debt was result of identity theft

Reporting invalidated and unverified information to consumer reporting agencies. Buying my Personal Information without my written consent which is an invasion of my privacy. Reporting an alleged debt of {$1100.00} when there is no written contract between me and MARS INC. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my consumer reputation. Violations of 15 USC 1692d ( 2 ) -using obscene language that I, the consumer find abusive.
Complaint sub-issue: Account status

I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.
Complaint sub-issue: Their investigation did not fix an error on your report

I had an account with ic collections agency for circa {$260.00}. I saw that the original creditor was XXXX and they informed me the amount was {$340.00}. So I paid them on XX/XX/XXXX. I disputed the amount both with the company and the 3 bureaus. Both XXXX and XXXX updated it to XXXX $ while XXXX correctly knocked the debt for inaccuracies off. I have since disputed every month with both bureaus, and the collections agency, and they report this collections is somehow valid and active. 
I've disputed with the company with the receipt only to be ignored. The agency has shown inaccuracies in the dates, failure to communicate, inaccuracies in their reported amounts, and failure to acknowledge my receipt.
Complaint sub-issue: Was not notified of investigation status or results

I am writing this because back in XX/XX/2020 I filed disputes with XXXX, XXXX  and Equifax. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.
Complaint sub-issue: Account status

I had a XXXX XXXX XXXX XXXX that I paid off and closed the account several years ago but it is still showing up in my credit report as being open. I would like to have this account removed from my credit report as it is no longer active.