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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : - XXXX/Dept of Ed - XXXX - XXXX/Dept of Ed - XXXX I demand the accounts be verified or removed immediately.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. 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 XXXX  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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Attempted to collect wrong amount

I owe an XXXX XXXX XXXX Mobile Debt and when I contacted the collection line I authorized a {$25.00} payment. They took {$120.00} out the automated system asked me if I authorized then a convenience fee of {$99.00}. I selected the option for No and they charged me an extra {$100.00} without my authorization.
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. 

Account : XXXXXXXX XXXX XXXXXXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX  # XXXX, Account : XXXX XXXX # XXXX XXXX DeptedXXXX  : # XXXX 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 an account without my written instructions. 

15 USC 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 with antedates the report by more than seven years. 

15 USC 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  Account # XXXX XXXX XXXX  Original creditor XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Account # XXXX U S DEPT OF EDXXXX Account # XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX XXXX, XXXX XXXX, has violated my rights.

XXXX XXXX 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: Didn't receive services that were advertised

Equifax discovered a hack into their poorly secured website that allowed the release of my personal financial information on XXXX XXXX, XXXX. They did not announce the discovery of this hack until XXXX XXXX, XXXX. My information along with over 148,000,000 million others ' information is now vulnerable to identify theft. This is utterly ridiculous that such valuable information is in control of an incompetent company. Equifax execs also offloaded over {>= $1,000,000} in stocks before making this announcement, basically profiting off consumer misfortune.
Complaint sub-issue: Debt is not mine

I did not break no lease this is was closed in court by XXXX which is preserve in XXXX illinois. New management XXXX
Complaint sub-issue: Deposits and withdrawals

On Saturday, XX/XX/XXXX, I discovered that a check I had written to XXXX XXXX ( Ck XXXX dated XX/XX/2020 in the amount of {$1700.00} ) had cleared my Iberia bank checking account the day before, Friday, XX/XX/XXXX. 

Mr XXXX never received the check, and someone else cashed it. ( The endorsement showed only an initial, so I assume it was deposited directly into the thief 's bank account. ) I immediately notified Iberia Bank. 

The following Monday, someone from the XXXX branch of Iberia ( where I bank ) called and I confirmed that the check had been stolen. She requested that I come to the bank and sign a formal complaint stating that I would prosecute the thief. I did. I also asked to be notified of the bank 's findings. 

The next day, she called and said the bank had deposited {$1700.00} back into my account, but she was unable, or unwilling to give me any further information. 

She also advised me that the bank has no fraud investigation department, so there is no way to find out what happened. ( Mr. XXXX needs to know if someone is tampering with his mail, and I need to know who to prosecute. ) This is a serious federal offense, and surely the feds need to take action against the thief.

Please let me know how to proceed. In my opinion, Iberia had no business cashing this check without securing proper identification.

What is my next step?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is an inquiry that's on my credit report inwhich I have no knowledge of and I tried to get these frivolous inquires removed to no prevail. I'm respectfully requesting documented proof, or please remove.
Complaint sub-issue: Cashing a check

Received a check XX/XX/22 for XX/XX/22 I deposited XX/XX/22. Account was blocked for fraud the next day I called them and told them I got the check from my employer and we are on vacation for the next 10 days thats why I received it early. I deposited it early thinking it will still take 7 days to post. I called XX/XX/22 and speaked to someone and that person said my account will be closed and the remains balance will be sent in a check. I told them I had prove of previous pay stubs that this employer is legit and the check is legit. I honestly shouldve waited to deposit the check but closing my account please.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened Sep. XXXX, XXXX Balance {$600.00} DEPT OF ED/NELNET XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 d. On XX/XX/XXXX I received another phone call from this company.
Complaint sub-issue: Old information reappears or never goes away

My medical bills that went to collections with XXXX XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX dropped off in XX/XX/XXXX and now XXXX is reporting them again.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX : {$0.00}
Complaint sub-issue: Debt is not yours

Americollect is reporting two medical debts that are not mines. Never heard of or seen this Doctor. They have not provided the proper debt validity for these accounts as well.
Complaint sub-issue: Was not notified of investigation status or results

Please look into These fraudulent accounts on my report they have not been verified and I have not received accurate documentation as to why these accounts on my report and it has been months and I have received anything please remove
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed multiple  XXXX   XXXX  accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Good afternoon, I am writing to your agency again in regards to a previous case # XX/XX/XXXX-XX/XX/XXXX. Brandsource advised on a letter mailed to me and your agency, that they would update my credit report for all three credit bureaus to include a statement " disputed by consumer ''. They failed to do so. I have recently disputed this account with all three major credit bureaus since this statement is missing from my credit file. Furthermore, to add insult to injury, Brandsource failed to report accurate payment information. On my XXXX  credit report, they reported my payment history inaccurately. I always paid more than the minimum payment. On two reports, they reported XXXX as the amount paid and only the minimum payments of {$27.00}, {$28.00} for each month. All of these inaccuracies is affecting my credit score. On my XXXX  credit report, they stated that I had a high balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which is not correct. The high balance of {$1400.00} was only for the month of XX/XX/XXXX. On XX/XX/XXXX, my balance had reduced to XXXX. I paid off my account entirely by XX/XX/XXXX. As I stated previously, I always paid more than the minimum. Not only did Brandsource lie and state they closed my account at their own request but they have not reported my payment history for XXXX  and XXXX reports as required. I will be submitting copies of my current credit reports to support this new complaint along with supporting documentation.
Complaint sub-issue: Information belongs to someone else

submitting this complaint against XXXX there is no third party involved. XXXX dBA ' XXXX XXXX XXXX XXXXXXXX XXXX has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND XXXX TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. XXXX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DISCOVER FIN SVCS XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DISCOVER FIN SVCS XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Reporting company used your report improperly

I recently received a letter from XXXX XXXX XXXX XXXX XXXX   dated XX/XX/XXXX. 

I sent information to you showing the loan was transferred to you from XXXX XXXX XXXX. My loan was with XXXX XX/XX/XXXX until XXXX XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX. 
The loan wasn't transferred from XXXX XXXX XXXX   as you've stated. 

I will send this information to you once again, payments made also. 

You can pull my wage earner records from the courts because they are public records. XXXX XXXX XXXX   did not notify the courts either. I pulled all of my court records from the courts in XXXX. 

I've been told that case have to be reopened. I'm in the process of doing just that, since you can't seem to get information from XXXX XXXX XXXX. I will send this information to XXXX XXXX XXXX XXXX XXXX and the attorney I get to reopen the case. 

Someone created a EIN number using my personal information without my knowledge. XXXX XXXX XXXX XXXX XXXX also used TN XXXX  XXXX XXXX Federal Identification number to report a XXXX to IRS in XXXX. I'm in the process of notifying IRS of this fraud. 

I pulled my credit report to learn that someone added an address for Michigan to my credit report. I have never lived there, nor have I visited there. I've lived in XXXX Tennessee all my life. I was my home eighteen years,  until you XXXX XXXX XXXX XXXX XXXX took it from me.

May God have mercy on your souls.Because of you I'm homeless. All of my former employers have been deleted from my credit report. And I've worked since the age of XXXX. I notified the Attorney General Office also. You should be ashamed of yourselves.
Complaint sub-issue: Debt was paid

I settled an account an with XXXX XXXX, and made the payment to XXXX XXXX because they own the debt but they are not reporting the account to the credit bureaus. The company that is reporting to the credit companies is Plaza Services. Plaza Services is violating my right to have fair and accurate credit information reported. Plaza Services does not have the right to report on debt they do not own. That leaves me and any one else susceptible to fraud if companies that don't own debts report on them. Also, by doing this they keep the debt reported on the credit for longer than the statue of limitations allowed. Plaza Services is inaccurately reporting that the debt has a balance and the account is open when it is not, I called and they don't own the debt they sold it to XXXX XXXX. The account was settled and there is a XXXX  balance on the account. Plaza Services refuse to report accurate information and refuse to delete the debt. The account must be deleted from my credit report. When I settled the debt it was paid to XXXX XXXX not Plaza Services.
Complaint sub-issue: Account information incorrect

The balance on my XXXX XXXX Credit Card is showing as {$2300.00} when It was reported on XX/XX/2023 however, my account balance has been {$0.00} prior to XX/XX/XXXX. This false reporting is only occurring on my Equifax credit report. XXXX XXXX XXXX has the balance on this account as {$0.00}. This inaccurate reporting is causing a drastic drop on my Equifax credit score. Please get this information updated as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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: Their investigation did not fix an error on your report

American Education Services ( AES ) reported five ( 5 ) missed or late payments on two ( 2 ) student loan accounts for a total of ten ( 10 ) payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with AES on a few occasions including phone, email and certified mail. I spoke with a customer service rep in XX/XX/XXXX and after careful review he stated there was a misunderstanding of how the account was being reported and suggested I submit a formal dispute to have their credit team review and update -- After reviewing several disputes AES concluded the reporting was accurate but AES failed to give me proof of any evidence they followed compliance of properly notifying me of negative reporting at the beginning of the negative reporting period ; AES also failed short of notifying the CRAs that I dispute the accuracy thus there was no remark of dispute left on my credit file. Subsequently, I made a direct dispute with each of the CRAs to have them investigate the legitimacy and compliance procedures to no avail as they provided no method of verification. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR 1022.43 - Direct disputes Tracking information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

I contacted XXXX XXXX to report my credit cards again to Equifax after my cards had been deleted by Equifax. Equifax has now reported the credit cards but is saying the account history has been deleted, which in terms makes it seem as if this credit cards are new accounts. I have had these cards for over five years and I need my credit report to reflect the amount of time and history I have on these XXXX credit cards. Please make them correct this situation. I have not been able to resolve any issues I have had with Equifax. It is going on a month now. First they delete my cards, then I have to get my credit card company to make them report again and now they are reporting inaccurate information. Please make them place my history back on credit cards. I have attached the information I was sent from Equifax.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX my ex-spouse was awarded my vehicle which was a XXXX XXXX XXXX in our divorce. As of this date I was no longer responsible for this vehicle. I have sent copies of this decree to the creditor numerous times but they refuse to remove my name and information for this debt. I have been trying to remove this item off of my credit report so i can purchase a new home for my children and myself but they have refused to remove this even though they have proof it is not my debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted both Equifax and XXXX  regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months ofXX/XX/XXXXandXX/XX/XXXX 
I was not late on those months.
Complaint sub-issue: Seized/Attempted to seize property

We were less than 30 days late on our mortgage payment and the company is calling multiple times a day and threatening us with foreclosure.