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

Please see the attached letter which I received XX/XX/2020 claiming that I owe XXXX XXXX/XXXX XXXX a debt of {$240.00}, but they will take {$170.00} to call it square. I am denying this demand for payment ( see attached copy the letter ) I do not now, nor have I ever, had an account with XXXX or  XXXX XXXX. Furthermore, it has been sixteen ( 16 ) years since I have had any type of utility in my name. The XXXX XXXX XXXX has been contacted, the Sheriffs Office as well if necessary and a complaint now filed with you. 

How can they get away with this stuff? I will be sending them a certified letter to demand they cease and desist. If they have been trying to call, I've probably already blocked their numbers. This is so frustrating and so bogus ... big sign of SCAM alert.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Act Credit Reporting Act XXXX account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- STUDENT ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.
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 ACCT XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Type : Chapter XXXX Bankruptcy XXXX XXXX XXXX Date XXXX Reference # XXXX Closing XXXX Asset Amount : {$0.00} Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Exempt Amount : {$0.00} *5 USC 1681 section 602 A. states i have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 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: Debt was paid

I paid for dental work to XXXX XXXX. It was paid in full at the time of services. 2 years later they say I owe {$300.00} that is fraudulent. I do not owe XXXX XXXX any money.
Complaint sub-issue: Personal information

I have never lived at either one of these addresses and would like them removed from all credit reports XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Complaint sub-issue: Public record information inaccurate

Dear to whom this may concern, According to your company ; a Bankruptcy record with case number : XXXX, was reported on my consumer credit report. Your company indicates that the furnisher or supplier of this reporting to your company is XXXX as indicated in a recent dispute investigation that I have attached to this complaint. I must remind you any reporting on the consumer report must be accurately reported within the compliance of the FCRA and the creditors or furnishers of the consumer report data must not contain missing, fraudulent or inaccurate info. I had previously disputed inaccurate info related to the public record XXXX with your company on multiple occasions ; and in your past responses you clarified that the Bankruptcy was verified by the furnisher ( XXXX ). I have attached documentation verifying that your recent investigation results in response to my dispute for confirmation # XXXX ; that was submitted to your company on XX/XX/XXXX ; is falsified by your company and or in error. Your company claimed on the investigation document attached that the account was verified to be accurate by a company that has no record of the Public record XXXX in question prior to the dispute filed on XX/XX/XXXX. Therefore your response to my dispute regarding this record and your response to verifying the info as accurate was a clear violation of the federal law, and the fair credit reporting act. So either your company lied or knowingly falsified verified information. I must also state that that XXXX also indicated that the public record was comfirmed reported unaccrate according to their report as indicated in attatchment here. This verification you used does not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the public record must be deleted or removed from the consumer report according to FCRA Code for XXXX if needed : XXXX Birthday is XX/XX/XXXX Name is XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX mi XXXX
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 XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXAccount # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
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: Account information incorrect

FOR XXXX XXXX AND XXXX XXXX WE DEMAND KEYBANK AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND XXXX  AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR KEY BANK. 

PAYMENTS THAT ARE MADE TO KEY BANK WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A KEY BANK PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED KEY BANK AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Complaint sub-issue: Account information incorrect

These accounts are inaccurate, the balance status and date of payments are inaccurate. I have reported this to the bureaus, but I did not receive any response.
Complaint sub-issue: Information belongs to someone else

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$240.00} ; XXXXXXXX  XXXX Balance : {$75.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # A XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute showing inaccurate information reporting to the three Bureau. This is a direct violation and even showed the proof of the actual violation. The company came back and said UPDATED, but the information was not updated it is still reporting the same.
Complaint sub-issue: Account status incorrect

I paid a collection account in full that I owed to IQ Data Intl. and my credit score dropped 30 points and it is showing as closed with a XXXX balance but not paid. I spoke with IQ Data to request a removal and they stated they wouldn't do it. Now my credit instead of being good is shot. Please let me know what my options are here.
Complaint sub-issue: Problem with personal statement of dispute

I am getting my free 3 annual credit reports. 
I see errors on my Equifax Report. 
Their dispute link goes to a dead page. 
And I always have issues logging in to dispute because of answered security questions that I know for a fact are being answered correctly and they say they are not. 
Me & my spouse have always had issues like this with Equifax. 
Its like they dont want you to file a dispute or even log in to your report. 
Sincerely, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. You, however, seem to claim you've verified the accuracy of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

What is the complaint about? 
My complaint is about a credit card that I owed in 2007, in the amount of {$3000.00}. I received this credit card in 2007 and I used the card to purchase plane tickets to go see my husband, at the time, who had just gotten out of Basic training, in the XXXX XXXX XXXX. The agreement was that if I purchased the tickets, my ex-husband would reimbursement, after he got his sign on bonus, but he never got all of his sing on bonus, so we were not able to pay the credit card back. 
What type of problem are you having? I took out a personal loan to pay off my credit card debt and Enerson Law, LLC, placed a bank levy on my checking account and took {$8500.00} from my account. The Law firm sued me on behalf of a company called XXXX , XXXX. This company bought my debt from XXXX XXXX. I was not able to pay off my credit card debit or my bills and maintain a living, because of the bank levy that was placed on my checking account. In addition, the original credit card was only {$3000.00}. I did not even know I was being sued, because I never received a letter, summons or anything. After the bank levy was placed on my account, I called the bank and the bank gave me information on how to contact the debtor. Only, then did I find out what I had been sued for. Apparently, the letter went to my Mothers house, and she had no knowledge, because she is XXXX. 
What company is this complaint about? The original debt was with XXXX XXXX but XXXX , XXXX bought my debt. 
Who are the people involved? The people involved are myself, XXXX XXXX XXXX and my children, XXXX, XXXX and XXXX XXXX, all of which had to suffer because of this hardship. The Law firm is Emerson Law ( XXXX XXXX ), XXXX , XXXX, the company who either bought my debt or a collection agency and XXXX XXXX, the original debtor.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2018 I called XXXX XXXX for XX/XX/2018 payoff amounts on 3 loans ; 1-XXXX -- -- -- amount given {$7000.00} Chk # XXXX issued 2XXXX -- -- -- amount given {$10000.00} Chk # XXXX issued 3-XXXX -- -- -- -- amount given {$27000.00} Chk # XXXX issued On XX/XX/XXXX, three BANK checks were sent REGISTERED MAIL : to XXXX XXXX Co Signer Payoff XXXX XXXX XXXX XXXX, PA XXXX Those checks were received on XX/XX/2018 at XXXX XXXX Since then I have called the XXXX 11 times to check on those loan payoff being processed. By XX/XX/XXXX I began asking for a supervisor. On the XXXX I was told there were being processed. Since then I have been told that the imaging on the checks was not accepted & yet Chk # XXXX has processed through XXXX XXXX XXXX Wednesday XX/XX/18. I talked today with Supervisor XXXX # XXXX was to Call me back in XXXX to XXXX min XXXX XXXX XXXX. He was to check with the XXXX department. That has not happened ( XXXX ). XXXX XXXX called back. He said they have cancelled the 2 checks will not process them. Their bank XXXX XXXX will not process them. My bank will not reissue checks unless the others are returned. He informed me if it is the BANK 'S image fault I AM LIABLE FOR EXTRA INTEREST & FEES My question is how can 1 bank check for the MOST money process & the others not. Dealing with XXXX XXXX has been extremely Frustrating when just trying to pay off loans that constantly increase in interest. Since the loans originated my grandson still owes only {$1500.00} less & that was 4 years ago.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  should not be reporting a collection in the amount of {$7000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection is totally unsubstantiated and there is no documentation to show this account belongs to me. I spoke directly with the manager of XXXX XXXX XXXX several times and we discussed the fact that I do not have an outstanding balance due. The manager said that my file has been locked up for the past ( 3 ) years and that he has no access to the file. I have repeatedly requested they  provide me with documentation to support their claim that I owe this sum of money. They are unwilling to provide me any further information because there is no information to provide. It is against the law to falsely claim someone owes money when the company requesting the money has no documentation and/or evidence to prove who the account actually belongs to. This false reporting of a collection/chargeoff, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Other problem

I opened this secure card back in XXXX per the terms and the advertisement the card would graduate in XXXX a year after making all payments on time per credit report and records I received a letter XXXX that said my security deposit would be held another year no reason was provided now in XXXX they are holding my security deposit again with no real explanation I received a generic letter stating it was based on a review but there is no specific criteria for the decision provided. I called citi on XX/XX/XXXX and the representative was unable to provide a reason and there is nothing from stopping citi from continuing to hold my security deposit this traps me since I opened this account under false pretenses I opened to improve my credit score but if I close the account my score will take a hit and they are not holding there end of the agreement. By not disclosing the criteria that I am not meeting I am unable to improve this area to prevent further holding of my security deposit
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX loan the amount {$1200.00} ( charged off ) XXXX XXXX XXXX XXXX XXXX loan the amount {$22000.00} ( charged off ) XXXX XXXX XXXX {$140.00} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Deposit Balance on XX/XX/XXXX Loan Amount {$140.00} - Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$140.00} Original loan amount - XXXX XXXX {$1800.00} Closed Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Balance on XX/XX/XXXX Loan Amount {$1800.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$840.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX {$1800.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX {$2100.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer XXXX Original creditor : XXXX XXXX {$1800.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX All accounts above are fraudulent references to Identity theft/ fraud police report # XXXX filed when notice Credit inquiries and unknown accounts tried reaching out to creditors numerous of times about this issue with little to no results. 


XXXX XXXX XXXX {$3300.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment Account above was paid off XXXX XXXX And now is back reporting on my account with negative impact to my credit report