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

On XX/XX/2020, I received a letter from ERC stating that I was delinquent {$1100.00} on my XXXX XXXX  XXXX XXXX XXXX. My bill is paid through auto draft ; I do not have any debt. The referenced account number is not mine. My name on my XXXX XXXX XXXX bill is spelled differently from the spelling of my name on the ERC collection statement. My husband 's name is on our XXXX XXXX  account. I called both XXXX XXXX XXXX and XXXX XXXX. The referenced account number is XXXX ; no such account exists with either company. 
Furthermore, XXXX XXXX XXXX account XXXX XXXX with a XXXX. The referenced account starts with a XXXX I also called ERC using the number given in the statement I received and the number given online for the company. I believe it was the same person who answered both calls and both times said the same thing. They verified my current address and they also gave the same supposed former address which was not mine. 
They asked for the last 4 of my social security number. When I declined to give personal information, they said they could not help me. At first I thought someone was fraudulently using my name and address. But after discovering that the account number doesn't even exist, I am suspecting scam activity by ERC.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt has not satisfied debt. 29641** 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed fraudulent accounts from XX/XX/XXXX - XX/XX/XXXX or accounts that need to be removed on my credit report for over years to XXXX  and Equifax and nothing has been done. 

XXXX  : XXXX XXXX XXXX {$230.00} - This was fraud XXXX XXXX {$0.00} - I want this removed. This account was paid off. 
XXXX ( XXXX XXXX XXXX ) {$630.00} - Fraud account. I had two for this company the other one was for the amount {$470.00} that was deleted not sure why {$630.00} account wasn't. 
XXXX XXXX ( XXXX XXXX XXXX ) - Fraud account which was deleted by XXXX  XXXX XXXX {$320.00} - Fraud account that has been on my account since XX/XX/XXXX and still not removed XXXX  ( XXXX XXXX XXXX ) {$470.00} - Fraud account that has not been removed Equifax : XXXX XXXX {$320.00} - Fraud account Allegacy {$0.00} that I want removed account was paid off. 
XXXX XXXX XXXX {$1400.00} account was paid off I want it removed.
Complaint sub-issue: Problem with personal statement of dispute

contacted nelnet on XXXX20 company refused to investigate late payments on account sent letter saying i was using a credit repair company. Covid -19 has reduced my income and i cant afford to pay some one .im requesting that these late payments be removed.
Complaint sub-issue: Used obscene, profane, or other abusive language

On XX/XX/21 at XXXX am XXXX XXXX of XXXX XXXX contacted regarding a collection account. I advised Mr. XXXX since this is his first time contacting me that I was uncomfortable verifying my information. First, he only mentioned the name of the company but asked for me to verify last 4 of ssn, address, and date of birth. Stating to him that I needed to know who he was with and the matter he became aggressive with his tone and stated he already told me XXXX XXXX. Upon him giving the type of account I asked that he provide me via mail a verification of debt. In an aggressive tone he stated I had already gotten this information and he would send via email. I advised no email to send to and he cut me off mid sentence. Stated that this is not the first time I have been contacted regarding this account and he would tell the lender that I am uncooperative and threatened next course of action. I advised Mr. XXXX that I am at work and can not talk at the moment. He became irrate and said since this matter isn't important to me he would proceed with the next actions. Throughout the conversation I asked why was he continuing to cut me off mid sentence and threatening next action when this is his first time contacting me. After being overtalked for so long I asked for a supervisor. I advised him that I was at work and provided an alternate phone number. This company representatives continued to talk when I clearly stated I could not talk. Very aggressive and threatens next action when you ask for their credentials and verification of a debt prior to paying. This is my right as a consumer and in todays society it would be foolish to provide any personal information to complete strangers.
Complaint sub-issue: Attempted to collect wrong amount

In XXXX, XXXX sent my account to collections because I hadnt returned my equipment. I did not have access to it until XX/XX/XXXX and officially returned it in person to XXXX on XX/XX/XXXX. I sent Enhanced Recovery this information so the claim could be removed from my credit, and I have been ignored.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX, and I am the author of this complaint. 

The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you - Equifax, may require. 

The issue - 1. My Physical Home Address continues to be updated at Equifax  2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX - is not, my current address 3. This has been disputed to Equifax - and on numerous occasions 4. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data 6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax 7. Access to my own credit data is prevented when it does not match 8. I have NOT caused an inquiry to EQ, with any data 9. Applications for credit - where mismatch occurs, may also be impacted XXXX. The Last Reported Date, for the Address in XXXX NJ - you EQ - store, is XX/XX/2021. 
11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 4.5 years, to update my contact information. 

The impact to me is devastating. 

Communications, and the like, validation of who I am - is impacted by this fraudulent data.
Complaint sub-issue: Their investigation did not fix an error on your report

On or about X/XX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went  unanswered. 

XXXX XXXX Please remove this file from my report.
Complaint sub-issue: Information belongs to someone else

I was looking at my credit report and noticed there was a lot of fraud from a company that i thought was handled a long time ago when I told them they had the wrong person back in XXXX. For some reason account resolution services has hit me with 7 hard inquiries on my account with all different prices. They call countless times. I had explained to them they had the wrong person and I thought this was all done with as they understood. Today I went into my credit karma which is XX/XX/XXXX. I have no problem providing any of my personal information but this is identity theft and fraud and nothing on here was ever signed or agreed upon by me. I do not know this company or the companies there working with. I would just like this to be resolved so my credit is accurate.
Complaint sub-issue: Debt was paid

On XXXX/XXXX/2021 - I received an alert that debt from ATG Credit was added to my credit report ( XXXX ) for XXXX debts for {$110.00} & {$74.00}. I never received any letters from this debtor or anyone else about this debt. However, I reached out to confirm where this came from and was told that letters were sent to an old address where I had not resided for several years. This medical debt was placed on my credit file with no knowledge of letters being received. I have had this issue with ATG credit placing things on my credit that is not valid from the past. Also, any debt owed to them has been paid in full and should not be reflected on my credit file.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

The account is closed whail ago and until now it shows on my credit score and I tried so many times to contact the aquafax to remove from my credit no answer which effects my credit scores. Thanks
Complaint sub-issue: Debt is not yours

I have disputed XXXX XXXX many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately.
Complaint sub-issue: Account status incorrect

XXXX  XXXX is showing late payments when it should not and XXXX XXXX card is also showing late payments.
Complaint sub-issue: Debt was paid

CITI BANK CBNA, you recently received my Notice of Rebuttal on XX/XX/2021. 
This is in response to your deceptive attempts to collect alleged debts not owed to you. 
As stated in my notice you were previously contacted on XX/XX/XXXX when I demanded an opt out of consumer credit reporting as is my right pursuant to 15 USC 6802 & 6803. You have defaulted on demand and have proven that you are willfully noncompliant with Federal Law protecting consumers, these matters are being well documented and all defaulted notices will become XXXX XXXX  evidence if further legal action is deemed necessary. I do NOT owe you ANY alleged debts, and I have not borrowed any capital from you which means I do NOT owe you any alleged debts. Further more your claims are unsupported by Affidavits, or any documentary evidence of indebtedness as required pursuant to 15 USC 1666 making all of your claims hearsay. This further supports the facts as I have documented them, expressly the fact that I do NOT owe you any alleged debts as you claim. BE ADVISED, CITI BANK CBNA, you have 15 days to comply with my demands listed in the correspondence you received and the correspondence attached to this complaint as you are already in default of the previous notice. There is more than enough evidence to prove your attempts to willful mislead and deceive me through means of material misrepresentation of vital facts that have been purposely omitted by you the financial institution involved in this consumer credit sale/transaction. BE ADVISED, CITI BANK CBNA, you have committed several violations of Federal Law which have been well documented and will be used as documentary evidence and XXXX XXXX should I be required to pursue legal action in these matters.
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Original Creditor : XXXXXX/XX/XXXX ) XXXXXX/XX/XXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2017 reported on my profile for a medical debt that I have or had no idea about. I have disputed and had investigated by XXXX   and XXXX which ended up not finding the valid so it was deleted from my profile, however Equifax has yet to remove/delete. They are still listing the debt which is impacting my profile after it has been found not valid.
Complaint sub-issue: Debt was paid

The collection company is I C SYSTEM INC. The original creditor is XXXX XXXX. I had an outstanding bill of {$440.00} in XX/XX/XXXX. I paid this amount inside a XXXX XXXX  store on XX/XX/XXXX in order to get my service at XXXX XXXX   started again. This company is trying to collect a debt that has already been paid to the original creditor. I called XXXX XXXX and they told me that I don't owe them anything. I called this company to let them know that they need to contact XXXX XXXX but they kept on with their collection and did not contact XXXX XXXX. XXXX XXXX would not have opened up my account again I'd I had not paid.
Complaint sub-issue: Account information incorrect

OnXX/XX/2021 I sent a letter regarding inaccurate and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate, late payments and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Debt is not yours

Jefferson capital has a n item on my credit report that I just discovered today for  XXXX   XXXX . I have never had  XXXX , and I never received written notification that this item would be added on my credit report. I have asked for verification from this company, whose response was " they did n't have to provide anything. '' I have never had or signed any contract with either  Jefferson n or  XXXX , and this action is completely illegal and violates my FCRA rights completely. This action is causing disruption to my financial profile for creditors I am interested in doing business with by giving a false dichotomy of my credit worthiness.
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 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: Investigation took more than 30 days

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate and unauthorized inquiries reflecting on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person so you are requested to kindly delete below mentioned inquiries or else I will file litigation. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, FLORIDA XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX,
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiry listed below is fraudulent and I was told by equifax that it would be removed in 24hours and they also gave me confirmation number XXXX but fraudulent inquiry is still reporting Equifax Fraudulent inquiry XXXX XX/XX/2022
Complaint sub-issue: Problem making or receiving payments

This is exploitation of the poor and XXXX with regards to what my bank is doing to me! They deducted a settlement agreement of {$140.00} from my checking account on XX/XX/20 for a debt that was owed to XXXX XXXX XXXX and XXXX XXXX XXXX. The two companies both claimed that they never received the payment. Banner Bank is worse than XXXX  XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Possible Data Breach Equifax has failed to respond satisfactory within 30 days on response letter dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has repeatedly verified without yielding proof of verification in response letters dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has failed to reply to two letters asking for proof of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction. 

Equifax report has not added a line in regards to US Bankruptcy Court of Nevada dispute.
Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( who is in the information selling business ) is the furnisher of the information. Which makes this a situation of identity theft. The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. Do to the fact I was unaware of XXXX gathering my information for the transaction with Equifax. 

I am filing a complaint against Equifax for : Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA.
Documents have been filed for a small claims court case against Equifax at the XXXX XXXX Justice Court. I am seeking damages of {$1000.00}.
Complaint sub-issue: Application denied

Hello, This is XXXX XXXX XXXX. I have applied for XXXX XXXX credit card ( CitiBank ) on XX/XX/2021. I got the letter that says I need to submit the following documents in order them to complete the processing of my application : US passport, US voter registration card or US permanent resident alien card. 
I dont have any of those documents yet, I am an international student ( XXXX visa ) who has XXXX and I legally work on campus. Also I am in green card process, but still dont have any card that prove my permanent residency here. 
When I applied for the credit card, I clearly checked the terms and I did NOT find anything regarding that non US citizens or permanent residents cant apply for any Citibank credit card. I got hard inquiry for the thing that Citibank didnt mention in the application, and I need to pay the price of this lack of information of Citibank on its applications. 
I have been had all kinds of credit cards without any issues with my residency and status.Citibank is the lender and its their choice BUT when they dont give any hint and information regarding that non US citizens or permanent aliens cant apply for this card but after applying they tell to the customers, then this is not my problem. 

Thanks.