Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received letter from following Debt Collection Agency : ERC, P.O Box XXXX, XXXX, FL XXXX ( reference number XXXX, dated XX/XX/XXXX ). 

The debt collection agency reported amount of {$100.00} with original creditor as " XXXX ''. 

On XX/XX/XXXX, XXXX  credit reporting agency alerted that a new account was opened in my credit file with following information : Address : PO BOX XXXX, XXXX, FL, XXXX Account Balance : {$100.00} Account Number : XXXX Creditor Name : ENHANCED RECOVERY COMPAN Industry Type : Other Collection Agencies I don't know who " XXXX '' refers to. I sent the Debt Collector ERC a letter asking for validation along with proof and request to produce written contract with original creditor to said amount on XX/XX/XXXX. 

The debt collector ( ERC ) has reported to XXXX  before 30 days period and before receiving my letter to them requesting validation. 

If " XXXX '' refers to XXXX Corporation headquartered in XXXX XXXX, Kansas providing cellular phone and other telecommunication services, I have not been its customer since mid-XX/XX/XXXX. I had a dispute with it in XX/XX/XXXXabout services provide, my termination of the services and amount owed. Other collection agency had reported the disputed to debt to credit reporting agencies and I had it removed from credit reports by filing dispute with credit report agencies.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX has been a mental and emotional distress on me and my credit file. This account was not opened by me, nor have i engaged in any type of arrangement with them as falsely stated in the comments on my report. And more importantly this account was removed from my report in XX/XX/XXXX, but then reinserted in XX/XX/XXXX, And as a general practice no company shall reinsert any accounts without notifying the consumer within 7 days. And this did not happen. I'm demanding that this account ( XXXX XXXX ) be removed and blocked from my credit file in accordance with the laws of The FCRA.
Complaint sub-issue: Public record

Please, this is my SECOND complaint. First was Case number : XXXX. There is no way for me to reply on that complaint. 
Equifax opened XXXX *more* " investigations '', and even after I provided proof that they are reporting inaccurate information, they still claim that " We have verified that this public record is reporting correctly. '' It is NOT reporting correctly! The tax lien was *withdrawn*, it should be removed from my credit file. I gave Equifax proof that it was withdrawn, TWICE. They could n't possibly be " verifying '' anything. 

I need help with this. I do n't need you to just forward my complaint to them, I need to know you 're actually going to DO something. I should n't have to sue Equifax in order to get them to do the right thing and report accurately. Please do something, you 're supposed to HELP, please DO something.
Complaint sub-issue: Old information reappears or never goes away

ACCOUNT Number  XXXX  Credit file confirmation  XXXX   XXXX   XXXX  knowingly reported correct dates to keep an item on my credit report.  <P/> The account is over 8 years without payments or activity other than the reports of payments for {$0.00} that were never made.  <P/>  XXXX   XXXX  reports that I have made payments in the amount of {$0.00} to keep this old account active.  <P/> They used in incorrect date of first delinquency of over three years after the actual date.
Complaint sub-issue: Information belongs to someone else

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS THAT IS NOT MINE APPEARING ON MY REPORT.. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 

I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX  XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENT. 

IN MY DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX-XXXX I CLEARLY DISPUTED THE BELOW ACCOUNTS, BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORT OTHER THAN THE XX/XX/XXXX EQUIFAX DELAY TACTIC LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG OLD ADDRESSES THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Debt was paid

In XXXX of XXXX, the account ( XXXX ) was closed by me, and a XXXX  tech came and picked up the equipment, and the final payment to bring the account to a XXXX balance was made in XXXX of XXXX. After the final payment in XXXX, the account was no longer assessable online, and no mail regarding account came to my residence. In XX/XX/XXXX, the XXXX showed up on my credit report. I contacted them as follows : First case number provided : XXXX Date : XX/XX/XXXX Spoke to : XXXX and XXXX ( Manager ) did not provide employee number. ( XXXX XXXX employee ), they stated that they had applied the amounts paid to a different account ( not in my name ), and that they didn't know how that happened and assured me they would resolve the issue. Advised resolution : Balance transferred to XXXX  account number XXXX in 7 business days. 

XX/XX/XXXX - was again advised 7 - 10 days XX/XX/XXXX - promised an email would be sent XX/XX/XXXX - no email and XXXX advised they would send XX/XX/XXXX XX/XX/XXXX - no email sent XX/XX/XXXX - no email. Advised again XXXX - XXXX hours XX/XX/XXXX - escalated to management- XXXX. Provided proposed resolution date of XX/XX/XXXX ( Regular XXXX  ) XX/XX/XXXX - spoke with chat agent XXXX who provided ticket number XXXX ( Regular XXXX  ) XX/XX/XXXX - Received a call from XXXX. No resolution. I advised I was giving them until XX/XX/XXXX to resolve before escalating further XX/XX/XXXX - XXXX to someone from XXXX named XXXX. Escalated 2 levels Spoke to XXXX and spoke to XXXX who provided new case number of XXXX ( Regular XXXX  ) XX/XX/XXXX - XX/XX/XXXX called multiple times to try to speak to XXXX, XXXX, XXXX and XXXX. Left messages. Was promised call backs and never received. Lost access to XXXX XXXX account. regained. Many calls were made in between all of these dates. Nothing was done. Nothing was completed. 

Instead of dealing with their incompetence, they sold the fictional debt to an outside collection agency in XXXX. I advised collection agency of the same issue, they refused to deal with it, I disputed with the credit bureau and it was removed. 

In late XXXX XXXX the debt was given back to XXXX  ( IC System ), and I had briefly spoke to the woman at IC, who told me they were not wrong, I never paid, I tried to explain the situation. but she didn't listen. I told her she needed to send proof of the debt. She told me they don't have to, if I want it, I needed to send my information to them in writing, but because I didn't send it to them in XXXX or XXXX, that they don't have to prove anything and it's my debt. 

I tried to dispute again with the Credit Bureau, but there is not enough room in the dispute form to explain the situation, so they denied the dispute and said it was FCC compliant. 

The dates and amounts of the payments are as follows : XXXX XX/XX/XXXX payment arrangement amount set w/ XXXX XXXX XXXX XX/XX/XXXX ( XXXX-payment made on the phone ) XXXX XX/XX/XXXX payment arrangement made with XXXX XXXX XXXX XX/XX/XXXX ( XXXX-payment made on the phone ) payment arrangement w/ XXXX XXXX XXXX XXXX XX/XX/XXXX Final payment leaving account paid in full.
Complaint sub-issue: Problem with statement of dispute

I was able to get a copy of my credit report and saw that I had numerous inquiries were not authorized by me. I spoke with several reps from Equifax and which no one was able to assist in the matter. I disputed them online and asked them to send me an updated copy of my report with them removed. Their response was simply giving me the definition of an inquiry, in which I am aware of. The second time I contacted them in regards to the situation, the representative was extremely rude and continuously cut me off when I was trying to explain to her the situation.
Complaint sub-issue: Account information incorrect

I have inaccurate account 's on my XXXX, Equifax, XXXX  credit report 's it's the inaccurate account 's XXXX XXXX XXXX, XXXX  I paid the account balance 's in full on XX/XX/2020 2020
Complaint sub-issue: Account status incorrect

Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX XXXX to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of XXXX ( XXXX ) dollars. The account lists XXXX  as the " Original Lender '' and " Enhanced Recovery Co L '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with Enhanced Recovery Co L. I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with XXXX. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the three major credit bureaus of Equifax, XXXX, and XXXX, along with XXXX XXXX, an automobile leasing company, has violated my rights. According to 15 U.S.C. 1681 Section 602A states that I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without consent, and I did not give any of these entities ( Equifax, XXXX, XXXX, or XXXX XXXX ) permission to publicize my personal information. Therefore, I am requesting that this account be deleted/removed from my credit reports.
Complaint sub-issue: Problem related to refinancing

I opened an account with CarMax Financing in  XX/XX/XXXX  to purchase a   XXXX   XXXX   XXXX  . Throughout the course of the contract, I ensured that the payments were made on time in at least the agreed amount. In mid- XXXX , my cosigner declared bankruptcy and I notified CarMax that I intended to continue with payment until the vehicle was paid in full, per the agreement. However, CarMax stopped reported payments to the credit bureaus which caused irreparable damage to my credit score. I attempted to reconcile the situation by removing the cosigner from the account, but CarMax would not cooperate. I even enlisted the assistance of an attorney that was unable to remedy the situation, forcing me to refinance the vehicle.
They have conducted themselves in violating of the original contract, claiming that I declared bankruptcy and taking inappropriate action against me and the account. They exhibited predatory business practices and refused to work with me to correct the situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I already filed a complaint on XXXX and they say they going to do a " 30 day investigation '' on my first complaint which I have been hearing this so many months. Today they wa n't me to get contact the creditors that got in contact with them and can be anybody but they don't care. Why because XXXX XXXX XXXX wrote them on XX/XX/2021 saying to them to delete 2 accounts and I have written XXXX with proof and you think they actually deleted it, nope its has been 6 months and they're still on my credit report just like others are. I had to go filed a complaint against XXXX XXXX XXXX which they really didn't do nothing because when I wrote them back in XXXX they couldn't provide me with anything. So I filed a complaint today because XXXX and Equifax still reporting something that couldn't validate in their office. XXXX compliant number is XXXX. I mean XXXX really was doing right about consumer than the consumer doesn't have to work so hard to get this off their credit because my attorney told me about this site which it will have paper trail. How many 30 days I have given you all to do right. XXXX XXXX and XXXX XXXX  are the same you can't do Double Jeopardy so I would like both to be deleted as well. Duplicating account information like this may be a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. XXXX is collecting on XXXX XXXX whomever that is and XXXX XXXX also collecting on XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below if you do not attend to this matter I will sue under the color of the law FCRA section 617 ( A1 ).
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX  XXXX. partial account number XXXX. This account needs to be coded as an XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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 an account without my written instructions
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I contacted CITI bank online support on XX/XX/XXXX, was directed to XXXX instead of US. 
Online support representative notified me that account access can't be restore due to account was charged off. I advised representative that my account was enrolled into Debt Management Program since XX/XX/XXXX. Representative transferred my call to Recovery Unit which also located overseas in XXXX. I spoke to a new representative, have to verify all my personal information again. Spoke to representative named XXXX who not very knowledgeable and informed me again that my account was charged off. I advised representative that I never received any notification from a company that account was charged off. Representative stated that they are not required to notify me about action taken on my account. I have been discussing my financial situation with bank and asked him to assist me with enrolling my account into financial hardship program due to recent reduction of my income and lost of my employment. Representative refused to forward my info and request to appropriate department for review. He stated that I'm not eligible for hardship because I do not meet their criteria s for hardship. I requested to speak to supervisor. I have been on hold for more than 10 minutes before I transferred to supervisor. I spoke to XXXX, call center supervisor who also was reluctant to assist me with my need for hardship. He only offered me assistance to transfer my call to payment arrangement department who can assist me some payment options that might be available for me. I wanted to speak to someone in United States and not XXXX and they don't have any number to provide to me for assistance. I'm completely dissatisfied with CITI Bank customer service and how they treat their customers. No assistance at all. No reasonable explanation what they have done with my account.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and did not make the charge
Complaint sub-issue: Trouble getting information about the card

I get XXXX direct deposited onto my direct Express card through Comerica Bank last week I had my card stolen and I got my new card and it said on XX/XX/2019 all my money will be available but they never transfer my money and I've been trying to call them since for a week now and no one is answering or transfer my money and it's messing up my life because my bills are not paid and I'm late on my rent and I might be evicted and I think that they should waive the fee of XXXX that I had the card expedited to me and you know this is like really upsetting where are these people with this Comerica Bank on the paperwork it says they're open 24 hours a day 7 days a week but they're not even answering the phone
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2/XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have written to all 3 of the major Credit Bureaus several times with concerns of inaccurate reporting on my credit file. After several attempts to rectify the issue directly with the Bureaus I feel it is time I escalate the issue as I am not seeing satisfactory results or nearly any results at all. 

There are at least 3 different accounts being illegally reported that have negatively impacted me and my ability to acquire credit as a consumer. 

As you will see in supporting documents XXXX is inaccurately reporting 2 of the 3 accounts mentioned and when I reach out requesting an investigation they either don't respond at all or claim to have either verified or updated the accounts but that couldn't possibly have taken place because they are STILL reporting inaccurately! For instance, there is an account with an Agency called XXXX XXXX XXXX reporting as a charge-off on all 3 Bureaus but there's also recent payments being reported. How can an account that was charged-off be active? All 3 Bureaus are intentionally allowing this company to report false information which is a direct violation of my consumer rights per the FCRA. XXXX is also falsely reporting an account with an Agency called XXXX XXXX that I have NEVER had an account with. They clearly did NOT investigate this matter although I requested them to do so several times. 

Both XXXX and XXXX have been illegally reporting an account with an Agency called XXXX XXXX XXXX that I have NEVER had an account with claiming they have verified it. I wonder how that is and even Equifax wasn't able to verify the alleged debt with the Agency. They are once again violating my rights by illegally reporting inaccurate information.
Complaint sub-issue: Didn't receive services that were advertised

Applied for EQUIFAX free XXXX  XXXX providing all requested information. 
Received email on XXXX/XXXX/XXXX with link " take final steps in enrolling. '' I had accidentally discarded email with link. 
Called EQUIFAX and was told there was freeze ( which I requested ) and therefore free protection was not available without going through unfreeze process. 

I would like promised free protection without expending more time on this. 

Note : when calling EQUIFAX they want full SSN - this form makes clear all they need is last four digits.