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

I am submitting this CFPB complaint in regards to the removal of the fraudulent accounts and information completely from my Credit File. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and or remove these files : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} - XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$670.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$800.00} Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

not mine : FCRA violations : XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX CALLED ALL THROUGH THE DAY ( ROBO CALL ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX   ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX THERE IS A LOT MORE ..

DO NOT HAVE SPACE TO LIST THEM.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been  successful.
Complaint sub-issue: Account information incorrect

I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have credit inquiries on my XXXX XXXX that I don recognized everything on my credit from XXXX to XXXX I havent authorized
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Problem with personal statement of dispute

For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I paid the minimum payment that was stated on my Billing but was told that I was 30 days late because I didn't pay my full payment amount. Previously I had paid way more than my payment amount so when the statement came for the listed months, it showed a reduced amount which I paid the reduced amount listed on my Statement. I explained this to customer service but they still would not remove the 30 day late charges that were put on my credit report. For XX/XX/XXXX, I have received a 30 day late to my credit report. I made my payment on time and also paid more than my payment amount for XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
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 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 Bankruptcy discharge : Ref. # XXXX. XXXX XXXX : Acct. # 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.

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: Threatened or suggested your credit would be damaged

I believe this is an old debt not owed to XXXX XXXX XXXX from approximately XXXX. I had internet service with XXXX XXXX XXXX and they had authority to deduct payments from my bank account. The consumer shut-off my service and still continued to take the money for several months. I called them regarding this and they still kept taking the money every month. I contacted my bank and provided them with the information for a claim, immediately they put a freeze on the company from removing anymore funds, and started an investigation. The bank concluded the investigation and returned all the funds they had taken for the months my service was interrupted. I returned their equipment via XXXX XXXX and the boxes they provided. 

I have spoken with ERC, another collection company, XXXX XXXX XXXX, also the Credit Bureaus to remove this erroneous information from my account. On XX/XX/XXXX I received another letter from ERC to collect a debt not owed. I have made several attempts to rectify this problem and as ERC has purchased a bogus account they feel I should pay anyway, as this has been stated to me. This is unfair practices and the threats need to stop also XXXX XXXX XXXX needs to be sure there isn't a problem with the debt account they have accrued due to their error.
Complaint sub-issue: Banking errors

I opened a new citi priority account in XXXX. Citibank offered a promotion of {$700.00} if the new account held funds over {$50000.00} for 60 days. I deposited the required money. I asked a citibank agent on their chat service whether the funds would qualify for the promotion in a citi accelerate savings account, as opposed to their standard savings account. The agent confirmed this. I have a documented record of this conversation. When the promotional deposit did not arrive as expected, I checked with two other citibank agents about the delay on two separate occasions. Both of these agents confirmed that I was eligible and that I should have received the bonus already. I have a documented record of these conversations as well. The second agent submitted a dispute in order to correct the mistake. After a week or so, I received an electronic letter from citibank stating that I was not in fact eligible for the promotion, due to the deposit moving from one savings account to another. I then called citibank 's customer service line in order to straighten out the problem. I explained to the agent on the phone that I had checked in advance and that I should have received the bonus. They also submitted a dispute explaining the chat history. I received the exact same denial letter a week later.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Debt is not yours

Good Morning ; Hi, i actually just finished talking to XXXX at General Revenue Corporation, a debt collector for XXXX XXXX XXXX. They said that they no longer have the debt and they are in the process of removing them from my credit report. She said that by now their company GRC should've already been DELETED from my credit report. However, it's still reporting on my 2 major credit bureaus, XXXX  and XXXX. I been trying to resolve this unknown debt from my credit for over 6 months now, and no one has sent any responses. Finally, i got hold of them on the phone today and she said that she will escalate my complaints so it can be removed soon from my Credit report or profile. Can you please look into this? This process shouldn't take more than 30 days to resolve, but mine has taken more than 6 months and no responses.
Complaint sub-issue: Debt was result of identity theft

Americollect has unlawfully furnished medical debt against the FCRA and is using harassing, oppressive and coercive methods to collect on a debt that I do not owe or own. Americollect does not have such licensure to collect debt in Tennessee. Americollect is in complete violation of HIPAA. Please see attachments.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute with the XXXX XXXX, Equifax, and XXXX concerning 2 bankruptcies on my report each one one came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. Im requesting form each company to delete this from my file if they cant provide me with Tia information.
Complaint sub-issue: Account information incorrect

I previously filed several complaints, upon review and in attempt to see responses I discovered that PRIMARY CONSUMER on all of my my complaints is LISTED AS  XXXX   XXXX . This is my EX WIFE, we have been divorced and living apart for nearly 4 years.To my knowledge she has never been associated with or responsible for ANY of my credit accounts or credit arrangements to include my home mortgage. WHY and HOW is this name attached to or affiliated in any way to MY CREDIT? I have never co signed on any loan with her, I am the sole signature on ALL my credit accounts NOW IN THE PAST or DURING our marriage. To my knowledge she has NEVER signed, in association with, or party to my credit in any way. How again, and why is she listed as primary consumer on my complaint and her name attached to my credit in any way? This is a GRAVE and SERIOUS ERROR. My previous complaint regarding reporting my home mortgage as an installment loan, and not dropping credit inquiries as they expire and in a timely manor to my knowledge and belief, has not been resolved and result or response to my complaint has not been received or conveyed to me.
Complaint sub-issue: Problem with personal statement of dispute

This is being sent in response to notices sent to me from " XXXX XXXX XXXX " and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number  XXXX XXXX XXXX Account Number : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

I did not give these companies permission to view my consumer report. 

CITIBANK XXXX, BEST BUY XX/XX/2020
Complaint sub-issue: Trouble with how payments are being handled

I have contacted XXXX  and notified them several times since XXXX that the public service loan forgiveness ( pslf ) date was incorrect and the number of payments credited were incorrect. Representatives continued to insist that my student loans were not in repayment status and were in school status and that was incorrect. I graduated early XX/XX/XXXX and my student loan status was changed in XX/XX/XXXX. I have received documentation from XXXX showing that my school status was updated on XX/XX/XXXX to reflect that I had graduated as of XX/XX/XXXX. XXXX  representatives lied to me numerous times stating my loans were not updated with the Department of education or XXXX to reflect me graduating. When in actuality the loans were updated and they had failed to properly process the request and obtain information from XXXX. I began working in XX/XX/XXXX. I immediately contact the Department of Education and notified them so that my student loan forgiveness would begin. However, the representatives refused to allow my account to enter repayment so that those months would count towards my forgiveness. I was eligible and met all requirements for qualifying payments from XXXX XXXX XX/XX/XXXX. I now have six extra months of payments because of this companys willful failure to process my pslf, deceptive and unfair practices. I contacted XXXX again at the beginning on XXXX and informed them that my pslf was incorrect and the representative responded this is normal not to have it start on time and went on to blame the school and XXXX. This practice should not be normal, especially since the school and XXXX appropriately updated my loans and they were in the correct status to receive student loan forgiveness credit those months.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of XXXX XXXX. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Since XXXX of 2016, I have observed several periods of bursts of inquiries into my personal credit profile. I have contacted the 3 major credit bureaus several times to be advised that there 's nothing that they can do. They have advised that I contact the companies directly and/or contact law enforcement. I have over time reached out to all of the companies with great difficulty in getting to someone who can answer any questions. The majority of what I have heard has been to contact the credit bureau. They continually ask for my account #, not understanding that I do not have an account with them. I ask that they verify that they do n't have an account in my name. They search for my social security number and then tell me that I must have applied for credit and if I did n't that I need to go back to the credit bureau. I 've contacted the local police in my area to only be told that if there 's no dollar amount of damage, there 's nothing to really report so no report taken. 
I have spent an insane amount of time on the phone trying to get resolution but all I get is everyone pointing in the opposite direction but noone doing anything. I have 20 unknown inquiries on XXXX, 17 on XXXX and 18 on Equifax. 
I have placed a personal fraud statement on my reports directing any creditors running an application to contact me directly on my cell phone.
Complaint sub-issue: Report improperly shared by CRC

Doc # XXXX - Equifax told XXXX we were a credit risk which resulted in high risk credit fee. 
Doc # XXXX - this is Credit report from Equifax - nothing indicating high risk. 
Doc # XXXX - Research Request Form to Equifax asking for correction. 
Doc # XXXX - New credit report from Equifax completely different from report of XXXX XXXX. Probably sent to cover up their error in the report to XXXX. No corrections. 
Doc # XXXX - Research request form requesting correction for listing a commercial card that was not ours and an incorrect address. 
Doc # XXXX - Equifax response that did not address either of the two issues in the research request but removed an address which had previously been an address for our association. 
Equifax made a mistake by reporting to XXXX that we were a credit risk ( XXXX confirmed that they had been contacted by Equifax and given this information ). Equifax has tried to confuse the situation rather than correct their error by sending a different credit report ( Document XXXX ). How could this credit report be so different from the first credit report? Equifax continued to try to confuse matters by sending a response ( Document XXXX ) that did not even address the issues raised in the second research request form ( Document XXXX ). 
Again we request that a correct report be sent to XXXX with a copy to us stating they erred in the initial report to XXXX.
Complaint sub-issue: Information is not mine

I have disputed the following accounts ID # XXXX, ID XXXX and ID XXXX numerous times with Equifax. I have contacted the alleged source as stated in the attached document at ( XXXX ) XXXX and the Courts stated that they did [ n ] ot give any information to the Consumer Reporting Agencies with respect to this matter and that the Consumer Reporting Agencies upload from a third XXXX public system called " Pacer ''. The account are [ n ] ot mine are damaging my credit and life. Please provide me with the method of verification as required under 611 ( a ) ( 7 ). I also request to see the original contract containing my signature that you have on file with respect to the above mentioned account ( s ) per Section 609 ( a ) ( 1 ) ( A ) of the FCRA. Your failure to accurately verify these accounts have devastated my credit score and my credit worthiness. Denial of this request violates Federal Law in addition to my Consumer rights. According to the FCRA all unverified accounts must be removes from my credit file if you can not provide proof of claim and or verification. If the alleged source has not reported any information pertaining to these accounts as the Data Furnisher, who has the authority to inaccurately report fraudulent information on my Consumer Credit Report????