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

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the  last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Complaint sub-issue: Information is missing that should be on the report

In previous several previous CFPB complaints, we asked Equifax to restore our auto loan account they had deleted from our reporting. As with other complaints, they did nothing so we did an CFPB complaint to the credit provider who soon after sent us a letter showing they had done an investigation and verified the account was missing from Equifax but still on the other two credit bureaus. They also indicate that Equifax acknowledged removing the account, but the answer made no sense. 

From letter : " This letter is in response to your request. First and foremost, ****** appreciates your business. Upon reviewing your account, we have determined that the information we are reporting on your account is accurate, paid off account XXXX  balance, your final payment was received XX/XX/XXXX. As required by law, we have reviewed our account records, during our investigation, we indeed show your file was removed from Equifax, according to the credit agency on XX/XX/XXXX a dispute was submitted and was never received or reply to it, that cause your file ( primary only ) to be remove from your credit. We submitted an AUD to bring your file back to your credit, you may reach out Equifax at ( XXXX ) XXXX and provide them XXXX # XXXX for further formation on your account, please allowed 24 to 72 hours for Equifax to update your reporting. Please note both XXXX  and XXXX  are accurately reporting your account, for primary and cosigner, not marked as disputed. We apologized for the inconvenience, should you have additional questions or concerns, you may  reach ****** directly using the contact information provided in the written response '' We can report that the account has since been added back to my Equifax credit reporting, but it now has deleted an important information. THE ENTIRE PAYMENT HISTORY IN MISSING -- - THERE IS NO LAST PAYMENT AMOUNT -- - NOT SHOWING MONTHS REVIEWED -- - There are also other things missing, which does not honor the XXXX  ( XXXX ) that they provider requested and therefore allows inaccurate information to be reported in my credit report.
Complaint sub-issue: Reporting company used your report improperly

Used XXXX XXXX and other financial/credit sites that utilized Equifax, found out my PHI was possibly compromised. Placed a temporary hold on my credit, concerned what will happen once the hold is over.
Complaint sub-issue: Information belongs to someone else

im an identity theft victim. 
accounts that are not mine XXXX XXXX XXXX XXXX XXXX chapter XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine vXXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine all these accounts are due to fraud
Complaint sub-issue: Their investigation did not fix an error on your report

Ever since XX/XX/21 I have been trying to remove some reports that have been intrusive to my privacy concerning the XXXX  Case Number : XXXX, and Case Number : XXXX. I sent a dispute out to XXXX Equifax, and XXXX several times and filled a complaint to get these inaccurate items off my credit report that is a violation to the LAW. I am sad, and my family is being affected due to denial of credit, not being able to get a mortgage or even move into an apartment during this unprecedented time were in. It's stressful and scary all at the same time, and I don't know much else to do. The reinvestigation that has taken place has not been fair or accurate to my liking. So I have been doing some research. According to my research 15 U.S.C 1681, I have a right to accuracy and fairness when it comes to my credit report and thus far this LAW has been violated time and time again. XXXX, Equifax, and XXXX refuse to remove these negative items from my credit report and obey the law. I would file for litigation but I have to wait until I get some extra funds. Also, according to 15 U.S.C 1681 ( h ) this has been another violation of invasion of privacy because I never gave the authorization to report anything in the first place. Another violation is defamation to me and my family by reporting false information that is not being reported, and now I'm being frowned upon when it comes to getting a loan from the bank. This act is has damaged my reputation and is causing me to get denied from moving forward with my life. It is also, a violation of 15 U.S.C 1681, because of negligence for not doing a proper investigation. I have been going back and forth with them since XX/XX/21 and it is now overbearing. It has brought major emotional distress to me and my family.
Complaint sub-issue: Reporting company used your report improperly

I pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with them 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 Unknown company needs removed XXXX XXXX Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you. 
XXXX XXXX XXXXXXXX XXXX Please delete all hard inquires listed in documents and above.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX, BB & T charged me two separate {$36.00} overdraft fees based on " pending '' transactions. On the morning of XX/XX/XXXX I made a cash deposit to cover all the " pending '' transactions. The transactions which allegedly instigated an overdraft were still " pending '' at 4 pm on XX/XX/XXXX. The bank does not issue the overdraft fee based on the posted balance, but instead counts " pending '' transactions.This is an unfair practice, since some merchants may place a hold on an account without the intent of initiating a charge for the amount of the hold. An electronic payment may be " pending '' for several days before the dated agreed by the merchant and consumer, e.g. automatic payment for a XXXX/XXXX bill. Secondly, this practice of using " pending '' transactions as the basis for determining overdraft was not plainly presented when I opened the account. Its plain the bank is exploiting the lack of clarity in timelines and processes for electronic transactions to exploit the consumer through fees. After speaking with a customer service representative the bank refunded a single overdraft fee.
Complaint sub-issue: Was not notified of investigation status or results

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX XXXX XXXX  and may have gotten into the wrong hands.
Complaint sub-issue: Information is not mine

I have notified Equifax on numerous occasions that there is erroneous information being reported in the credit file that is maintained and distributed by Equifax under my Social Security number. The account in question has the original creditor listed as XXXX under account number XXXX as listed in my credit report. This is NOT my account and was entered into my credit file in XXXX. I am demanding that Equifax cease and desist any further reporting of this erroneous information in my credit file. I am requesting that this account is removed from my credit file immediately. The attached letter was sent to Equifax via certified mail, XXXX tracking # XXXX XXXX which Equifax signed for on XX/XX/XXXX regarding this account. This is one of many certified letters that I have sent Equifax regarding this erroneous information. I have also disputed this multiple times via the Equifax online dispute system to no avail. Equifax has repeatedly demonstrated dishonest business practices which has been to the detriment of my reputation.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Last reported XX/XX/XXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor ... ... ... ... ... ... ... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$790.00} Open balance XXXX XXXX  FOR XXXX XXXX XXXX  Original creditor ... .. .... .... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$350.00} Open balance XXXX XXXX Original creditor
Complaint sub-issue: Reinserted previously deleted info

I previously disputed a debit ( XXXX XXXX XXXX XXXX ) with all XXXX credit reporting agencies ; because the debt was n't mine. All XXXX credit bureaus deleted the collection. Equifax deleted the debt on XXXX XXXX, 2016 and later reinserted the debt. This clearly violated my rights under section 6.11.As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation, and I am requesting that this alleged debt be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove this immediately. 
XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX, I mailed to XXXX via USPS certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX # XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. The identity theft report also included inquiries. 

The documents were delivered to XXXX on XXXX XXXX, 2017, in XXXX TX. 

To date, I have not received any information related to the above information and report.
Complaint sub-issue: Problem with product or service terms changing

In XX/XX/XXXX, I cancelled cable services with XXXX XXXX XXXX XXXX. I shipped the DVR back to them a few days late. As a result, I was billed {$680.00} for the equipment. I mailed copies of XXXX shipment receipt to XXXX XXXX XXXX XXXX, and all three credit agencies including : XXXX, Equifax, and XXXX. Unfortunately the charge remained on all three credit reports for seven years. The charge was scheduled to be removed in XX/XX/XXXX from all agencies. When I asked for the charge to be removed it was extended to XX/XX/XXXX. XX/XX/XXXX is half over and all three agencies have extended the charge to XX/XX/XXXX. Seven years have passed. Please assist me in removing this negative item from all three credit reporting agencies. I have another item through XXXX XXXX XXXX phone services in the amount of {$93.00}. I spoke with the collections agency for XXXX XXXX XXXX and they assured me the charge would be removed once It was paid. I paid the item in XX/XX/XXXX and it still remains as a derogatory account with all three credit agencies. Please assist me in removing this negative item from all three credit reporting agencies. I will fax prior and current credit reports detailing these items. Your assistance in both matters are much appreciated. Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX have wrongfully placed a collection account on my XXXX, XXXX and equifax credit bureaus.The collectors responded in CFPB complaint XXXX that I had electronically executed a lease in XX/XX/2017 resulting in the debt.I did not execute this lease nor give anyone permission to do so. 
I have attached an FTC report and affidavit along with the CFPB complaint.
Complaint sub-issue: Trouble with how payments are being handled

I am seeking student loan forgiveness through the PSLF program. My account has been under review with XXXX for the better part of a year due to my account somehow being arbitrarily placed in paid ahead status. They are not giving me credit for approximately 2 years worth of payments, despite the fact that I have never paid more or less than the amount due, and have never been late, and have always made payments without fail since XX/XX/2010, except for periods of forbearance. 

I have two loans serviced by XXXX. On one loan they have it listed as 47 qualifying payments, and another as 59 qualifying payments. I pay one amount every single month, which pays both loans. 

I have called countless times, always receive the same responses : that my account is under review, and they should be finished with it soon. They always tell me that there is no reason any of my payments should have been denied, but every month my statement shows the same number of payments, despite submitting new employment certifications, which is when they claim to update the number of payments. 

I have copies of banking records verifying every payment made over the last eight years, but I dont think I should attach them here, but I could provide them if requested.
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  XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  these accounts has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have 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 information reporting on my Credit Report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Debt was result of identity theft

I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. 

{$960.00} XX/XX/2018 2018
Complaint sub-issue: Can't use card to make purchases

On Tuesday XX/XX/21, I was informed by Citi that my account had been temporarily suspended due to potential fraud on the account. Upon contacting Citi 's " early fraud '' department, they asked me a series of questions to " authenticate '' me. I provided ALL VALID account information, including my wife ( who is an authorized signer ) including phone number, email address, personal information, etc. and was informed that I was unable to be authenticated and that the ONLY way I would be able to be authenticated is through a pass code to be delivered by USPS within 5-7 days. I tried to resolve with 3 different individuals, including two supervisors, all of whom advised that was the " only '' way to authenticate me as I did not have Citi accounts otherwise.

It is notable that there are zero unauthorized charges on my account and I informed Citi as much, yet my account remains locked. 

As of the time of this writing ( XX/XX/21 ), I still have not received correspondence regarding this authentication, but in the meantime I have had not fewer than two bills using my citi card as an auto draft attempt payment and were rejected, which has resulted in me being charged a late fee.

In addition to the inconvenience of being charged a late fee through no fault of my own, Citi 's archaic and inflexible policy of allowing me to verify myself ( and again, who can better authenticate myself THAN MYSELF ), I find it highly concerning that Citi is de facto attempting to illegally tie depository and credit relationships as the only reasonable means to authenticate in the case of potential fraud. As the reader of this would undoubtedly acknowledge, Citi or any financial institution is not permitted to require having a depository account as the means of extending credit and is illegal per the OCC regarding anti-tying provisions.
Complaint sub-issue: Account information incorrect

Under the FCRA Equifax, XXXX, and XXXX  are legally obligated to provide identical information. There are a number of falsely reported accounts showing negatively on my credit report and none of the reporting are identical to each other along with having a large number of inaccuracies. These companies are abusing my rights as a consumer and i demand these negative accounts be removed immediately.
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. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.