Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company ( Americollect INC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house XXXX XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, XXXX, and the FTC )
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I filed a complaint with your agency and the company U S Bank assn.  and they said in response that I cancelled the complaint which I did not. I could use some help with this lying company.
Complaint sub-issue: Information belongs to someone else

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Complaint sub-issue: Their investigation did not fix an error on your report

Companies involved : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX, OR XXXX ; ( XXXX ) XXXX Equifax I submitted a complaint to Equifax, stating that XXXX incorrectly reported that I missed a payment for my auto loan on XXXX, 2020. 

I received notice from Equifax ( Confirmation # XXXX ) on XX/XX/2020, stating that XXXX denies inaccurate reporting and my complaint case has been closed. This is incorrect. 

In XXXX, 2020, I was granted permission by XXXX to skip XXXX and XXXX payments due to hardship from the COVID-19 pandemic. They were not supposed to report negatively to credit  bureaus. Oddly enough, they report XXXX in good standing. 

I have never missed or been late on a payment prior to, or after, the pandemic grace period that XXXX gave me. It is unconscionable that a company would pretend to give hardship relief during the COVID-19 pandemic, then turn around and report consumers as delinquent.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  XXXX not mine and address not mine XXXX XXXX XXXX XXXX tx XXXX remove the address and not my name
Complaint sub-issue: Threatened or suggested your credit would be damaged

On or around XX/XX/XXXX, I received a letter from a collections from a company called XXXX XXXX XXXX stating that this company is trying to collect on behalf of XXXX XXXX. When I called the company and asked for info regarding the bill, the collection company states that this was a bill for services rendered by XXXX XXXX in XX/XX/XXXX. I  recall having XXXX XXXX but I cancelled my service at the end of XX/XX/XXXX and should not have been charged for XX/XX/XXXX. I requested proof of services rendered from the collections company XXXX XXXX XXXX  XXXX. On or around XX/XX/XXXX, I received the XXXX XXXX bill that is attached as a part of this complaint. This is bill does not show any services rendered, it simply states that this bill is a bill that is based on a different prior bill. Additionally, it references equipment that I know was returned and was confirmed by XXXX as returned. The bill provided by the collection company did not provide proof of services rendered that I requested and is therefore an illegal collection practice.
Complaint sub-issue: Account status incorrect

I have contacted XXXX two times to file a dispute on XXXX XXXX XXXX. My account was settle and closed back in XX/XX/XXXX through their lawyers. Since the account was paid as agree in settlement I have contacted XXXX XXXX XXXX times including today XX/XX/XXXX to request them to update the account with the credit beaurers as the account has been closed and settle. They inform me that the account has already been reported to XXXX, XXXX, and Equifax as account settle for less and closed about two months ago. However this credit companies refuse to update my account and lastly the representative from XXXX  today stated that my account will obligated remain on my credit report as open despite the bank who I borrow from stated the account has been reported as settle for less and closed.
Complaint sub-issue: Debt is not yours

I was contacted by TrueAccord on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation. 
Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address. 

Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ). 

If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ). 

Attach any police report, government ID containing your signature, or other document that you believe would be relevant. 


If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Frequent or repeated calls

I have been called several times repeatedly for owing a bill that is old and should have already been deleted from my credit report but theyre constantly reporting it as recent. Ive been told that if I dont handle the matter that they will go to the next step in a threatening manner.
Complaint sub-issue: Other problem getting your report or credit score

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

EQUIFAX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( I HAVE NO MIDDLE NAME..CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Account status incorrect

I requested an investigation of my accounts was not done correctly, or In Accordance With the Fair Credit Reporting Act. These accounts can not be reported as being open And closed at the same time monthly. These accounts need to be deleted because it is damaging my credit. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, they are show inaccurate information. XXXX XXXX XXXX Account # XXXX violated my federally protected 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. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX. Correct Name : XXXX XXXX XXXX.
Complaint sub-issue: Information is missing that should be on the report

I was locked out of my credit report by XXXX, Equifax and XXXX while trying to do a dispute because they do not list my current employer.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 I made a purchase in the amount of {$800.00} on XXXX using my Citi credit card. On XX/XX/2021, I canceled the order, the seller would not refund, and the seller did not and would not ship the item. On XX/XX/2021 I filed a dispute with Citi cards for the purchase. On XX/XX/2021 Citi declined my dispute. In their decision, Citi referenced a response from XXXX. XXXX stated it was an Invalid Dispute - Services or merchandise were provided prior to cancellation date. No proof of cancellation was provided. This is false, the merchandise was never shipped or provided! On XX/XX/2021 I contacted XXXX, and they would not assist, as they said it was up to the credit card company. Im not sure why XXXX gets to decide, as I purchased directly on the XXXX website. 

I paid for an item I did not receive. I canceled on XX/XX/2021. To date I have not received the item, nor have I been refunded. It is not marked as shipped on XXXX, there is no tracking number. Even in the response from XXXX, there is no tracking number or shipping information. 

Attached are the correspondence with Citi, XXXX and the XXXX  seller - I clearly ask the seller to cancel, and refund on XX/XX/2021. Also attached is the XXXX  page showing that the item was never shipped. 

Please help! I dont know how this is complicated, I paid online for an item, that was never sent, and I wasnt refunded. I could lose {$800.00} dollars. Im single father and I cant afford that.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX {$550.00} XXXX  XXXX {$720.00} XXXX  / XXXX {$0.00} XXXX  XXXX {$0.00} XXXX {$1100.00} XXXX  / XXXX {$0.00}
Complaint sub-issue: Having problems with customer service

FEDERAL LOAN SERVICING ( Account # XXXX ) This account is currently reporting XXXX delinquencies on my consumer report. FEDERAL LOAN SERVICING reported that this account was 60 days past due in XXXX 2014 and 90 days past due in XXXX 2014. This is a total of XXXX delinquencies reported in Loan # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
This account has received on time monthly payments and timely forbearance request. This account should not reflect delinquencies and should be updated to reflect never late. Also, during XXXX XXXX 2014 through XXXX XXXX 2014 this account was in an approved temporary hardship status which there were not any payments due on this account during those time frames referenced.
Complaint sub-issue: Debt was result of identity theft

Previously by mail and through dispute with all three credit bureaus in XX/XX/2018 via notification with the Identity theft affidavit, police report and verifying information Hunter Warfield, INC was notified of this fraudulent account and has continued to collect and report a debt that is not mine and refuses to remove and stop collections tactics of the debt that was obtained illegally by Identity Theft. One tactic that has been repeated is when they did remove the account in XXXX they reinserted it in XXXX with a different amount and different opening date which still remains on my credit report as of today XX/XX/2018. 

All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XXXX and XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect even though I'm a victim of Identity Theft.
Complaint sub-issue: Debt is not yours

XX/XX/2012 I was in an accident which required me to have stitches, prior to being admitted I provided my Medical Insurance that I had with the state. I was told that everything should be covered by my insurance. The nurse glued the wound shut and discharged me within hours. 

I've tried to communicate with Grant & Weber since I saw this on my report and have been unsuccessful. I've contacted them 13 times over the last two years to have this taken care of, but Grant & Weber has been unresponsive.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries on my credit report that I did not apply for.
Complaint sub-issue: Reporting company used your report improperly

I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, XXXX, Equifax and XXXX  all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my XXXX, Equifax and XXXX  Credit Reports.
Complaint sub-issue: Account information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

they say i owe XXXX to XXXX XXXXXXXX university .atg credit LLC.. They was found gultiy for fraud
Complaint sub-issue: Application denied

During a fight to Main XXXX, AAdvantage provided me a means to apply for a XXXX account XXXX I applied and the process was not completed because they said they needed more information. 

I tried to contact them several times and due to " pandemic '' the process was not complete, they are short in staff. 

I received a noticed that the time/window to apply ended in XX/XX/2022. So I reapplied again. 

Now I applied via online. 

The send me mail indicating I was not approved for the applicant. 
I have a credit score of XXXX the last two times I checked during the last 16 months. I also have paid existing debts that were opened. 

Note : They request to provide the amount on the house payment. If I include it, then I must include my wife 's income. All of the house is in her name and she makes all of the house payment.. 
House payment is almost XXXX XXXX/month My wife 's income is Almost $ XXXX. 
My income is $ XXXX and I do not have a house payment. 

The Citi Bank AAdvantage application is ID # : XXXX I received a denial letter printed on XX/XX/2022. 
Reason : XXXXHad submitted multiple applications. 

I have submitted multiple applications because the credit agency is not providing me a means to complete neither the first one nor the last one I just submitted. 

and my credit score continuos to be over XXXX
Complaint sub-issue: Information belongs to someone else

The following information listed on my Equifax and XXXX credit report is fraudulent, unauthorized and not my accounts, credit inquiries or payment history : XXXX XXXX XXXX, {$140.00}, XX/XX/2020. Credit Inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX/XXXX, XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020. Payment History : XXXX XXXX XXXX payment history is fraudulent.
Complaint sub-issue: Information belongs to someone else

Last year, I was informed that I attempted to apply for an  XXXX  credit card, which is totally false. While I do have an  XXXX  online account, I have never applied or attempted to apply for a credit card either directly or indirectly with  XXXX . All of my  XXXX  purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with  XXXX    XXXX   USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.
Complaint sub-issue: Information belongs to someone else

I sent request about removal incorrect information on me credit report. I checked it and find out a few medical collection which I never belong to me. I always paid my bills in full and never had a dept. All of them opened like fraud accounts.

( a ) Block. Except as otherwise provided in this section, 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 of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Please remove as soon as you can every fraud accounts.
Complaint sub-issue: Information belongs to someone else

Equifax has removed an account that does not belong to me and put it back on. This is harming me.
Complaint sub-issue: Information belongs to someone else

This accounts has errors and inaccurate. The Balance, dates, please provide method of verification.