Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I have 1 employer that is incorrect and 2 previous adresses that are incorrect that need to be deleted. Several inquiries that I did not authorize that need to be deleted. I also have several accounts that are not mine and one that I was never late on and one account i want to validate
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}
Complaint sub-issue: Account status

Present landlord has a Writ placed in court records, which is also showing up on my credit report. I am XXXX and my son is XXXX as will. This landlord constantly keeps my name in the courts. It 's not that I do not pay my rent. My rent was late due to an error by SSI two times both times I had documentation showing the circumstances. Do to the stress I felt, I asked this landlord to let me out of the lease. I explained to him that I had found affordable housing and I was given a XXXX discount my rent would have only been {$450.00}. The landlord told me he would not let me do it, that he would mess up my credit. I have been fighting with landlords since I have been in North Carolina. Not all are bad, however they can make life unbelievable hard to live, when you need Good housing for my son who is XXXX. And they do not care who much money they take and rob you of. Enclosed in my complaint is the XX/XX/XXXX. My lease is up XX/XX/XXXX, I paid XX/XX/XXXX rent. So I am still a tenant at XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX rent was paid on time XX/XX/XXXX, File No. XXXX Date of Judgement was XX/XX/XXXXDate Writ Issued. FUNNYBUSINESS.
Complaint sub-issue: Problem making or receiving payments

This bank stole my OWN BILL PAY CHECKS. Put the money into my account and then a hold for unknown amount of time AFTER IT WAS ALREADY IN MY ACCOUNT. THEY ARE CHECKS TO ME, FROM ME, FROM THIS ACCOUNT. They took the money back out of my account and overdrafted my account INTENTIONALLY. THEY DIDN'T EVEN ALERT ME THAT THIS WAS BEING DONE. I was using my debit card and it kept getting declined. As evidence of my story, I do not have overdraft protection on my account. These charges were made today, when I had the money from the bill pay check deposits. My card would have been declined if there was no money in my acvount, then taken back out as I'm saying. They put the money in, then claim they put a hold on my money. Almost 3000 dollars. It isn't a small amount.
Complaint sub-issue: Old information reappears or never goes away

I requested my Annual Credit Report recently. On it, there were XXXX accounts paid satisfactorily XXXX, XXXX, XXXX years ago respectively. Theses accounts should have been deleted after XXXX  years. I wrote Equifax a letter on XX/XX/21 requesting these accounts be deleted, and a new report issued. I received their response dated XX/XX/21, basically a form letter patting me on the head and saying they were working on it. Nothing has happened since,
Complaint sub-issue: Reporting company used your report improperly

Original creditorXXXX XXXX XXXX XXXXXXXXOpenedXXXX XXXX, 2016. XXXX XXXX XXXXAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,
Complaint sub-issue: Didn't receive notice of right to dispute

This alleged debt that XXXX XXXX XXXX is claiming that I owe is showing up on my credit report as charged-off by UPGRADE INC the original creditor allegedly. I looked up under that and XXXX XXXX XXXX is posting a collection for the same amount for UPGRADE INC, Which make this reporting inaccurate and false and deceptive because UPGRADE INC, charged-off this debt and took a right off. Meaning they basically canceled the debt. UPGRADE IINC, also filed a claim a claim with their insurance company to offset the alleged loss. After that UPGRADE INC, then sale the alleged debt to abandoned paperwork to XXXX XXXX XXXX and now they are trying to implicate that the account turned over to an innocent purchaser for value which is a violation of 15 u.s.c 1692e ( 12 ). The amount of {$2600.00} is in the positive form instead of in negative form which is false representation of an amount an a violation of 15 u.s.c 1692e ( 2 ) ( a ). Because of these actions the liability no longer exists an XXXX XXXX XXXX or UPGRADE INC, can no longer report this alleged collection or charge-off to the Bureaus causing me a financial injury and defamation of character Security finance I Never signed a contract with you for you to have and share my information which is also identity theft, nor did I give UPGRADE INC , permission to sell my information to you I am demanding to remove these items off my credit report or cease and Desist all communications with this alleged debt from any reporting agency Bureau or any other collection company, also of all medium. 
XXXX XXXX XXXX  is in violation of 15 U.S.Code 1692d ( 1 ) for posting this inaccurate information on my consumer report harming my reputation In violation of 15 U.S.Code 1692b ( 2 ) for stating I the consumer owe a debt IN VIOLATION OF 15 U.S.Code 1681b ( 2 ) never gave XXXX XXXX XXXX WRITTEN CONSENT TO FUNISH INFORMATION INVOLVING A COLLECTION A COLLECTION OF ACCOUNTS
Complaint sub-issue: Account information incorrect

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX We were on a 3 month Forbearance Plan Agreement of {$1400.00} all three payments were made on time. Modification paperwork started XX/XX/XXXX and went thru XX/XX/XXXX. 
doing this time no payments were required per bank rules. We received a copy of our credit report in XXXX and found that our credit showed negative credit reporting for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX has nothing although the payment was made on time. I called and spoke to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all of whom work in the credit department at XXXX and all who refuse to help. This is a new way of keeping us slaves to XXXX. The modification is intended to help us make affordable payments while going through hardship instead XXXX has raised the payments higher than before. I am unable to work due to my caring for my XXXX XXXX  XXXX Veteran spouse and XXXX don't give a XXXX XXXX XXXX! Our payments are now at {$2200.00}. Because of the negative credit reporting from XXXX we can't move forward.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2019 I filed bankruptcy with the USBK Court of Arizona. I withdrew the bankruptcy request on XX/XX/2019. I never completed the process and was never granted bankruptcy for this filing. I have contacted the Court of AZ and they have stated that they DO NOT report to the credit bureau. I submitted a dispute to EQUIFAX to have this item removed from my credit as it is reporting incorrectly on XX/XX/2019. I received a response saying that it was verified as correct. I resubmitted my dispute on XX/XX/2019 stating that they could not have verified when the USBK Court of AZ stated they do not verify with the credit bureau. I also submitted the same request to XXXX  and they removed the credit report when they verified. I sent all of these items to EQUIFAX and they can not provide me with the source they spoke with at USBK COurt of AZ to verify this account is valid.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm concerned about the certainty and consistency of your new assessment and then the overdue payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I requested an assessment basically because I noticed the item is not being documented recently. To my big surprise I got a letter telling that your evaluation was achieved and that the item had been " validated as reliable.
Complaint sub-issue: Problem with fraud alerts

EQUIFAX XXXX, XXXX XXXX, XXXX XXXX.EQUFAX FORMER CONFIRMATION XXXX. IS INVALID XXXX REPORT # XXXX FORMER YOUR REFERENCE # XXXXXXXXALL XXXX HAVE XXXX NAME XXXX XXXX XXXX THEY NEED TO HAVE ALL REMOVED ESPECIALLY XXXX AND XXXX HAVE NOT REMOVED THE XXXX XXXX XXXX ACCOUNTS WERE CLOSED IN XXXX, VA, BY THE FTC.., AND I ALSO WANT ALL TREE TO LOCK BY CREDIT REPORTS TO BE BLOCKED. RESPECTFULLY. THANKS, XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

The last time I sent out my dispute letters was on XX/XX/13. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/13. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/13, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Complaint sub-issue: Information belongs to someone else

Reference closed complaint XXXX. My issue is that I did not agree to open or co-sign for this account. They opened it as a joint account with my ex-wife and I did not agree to a joint account.
Complaint sub-issue: Investigation took more than 30 days

I disputed errors on my credit report on XX/XX/21, which I have not receive no results in the investigation for more than 30 days ago.
Complaint sub-issue: Application denied

Good evening I hope you're well! I called the company and spoke to them for about an hour they suggested I to send an FTC report which I did. This happened on XXXX/XXXX/22. I am waiting for a response to see what can be done.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that these accounts lates will be removed. 
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: Debt is not yours

This company is reporting erroneous information on my credit report without validating or verifying information. This account does not belong to me and it is hurting my credit. I want them to remove the information from my report or I will sue and take them directly to court which I am entitled up to XXXX USD for this inaccurate reporting and misleading information and all the harm it is causing me. Account Number XXXX XXXX XXXX ( Debt Collector Name ) XXXX XXXX XXXX XXXX Amount {$980.00} Date Reported XX/XX/2018 Account does not belong to me this is a mixup. So they need to remove it from my credit report or I will promise to sue the company.
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed unauthorized inquiries o n 2 occ asions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX
Complaint sub-issue: Reporting company used your report improperly

Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the SCRA ACT for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the Equifax CREDIT REPORT by XXXX XXXXXXXX ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!
Complaint sub-issue: Account status incorrect

Late last year ( XXXX ) I received a notification from Federal Student Aid that my new servicer would be XXXX. This is/was my last academic year of XXXX school, so that notification was not unusual considering that my loan deferment will end with my completion of XXXX school. However, my loans remain lawfully in deferment or otherwise are not due until XXXX months thereafter, which is XX/XX/XXXX. I have responded to all of XXXX 's communication. I have activated my online account with them. I even noticed that XXXX reported tat they are my new loan servicer on my Equifax report. I have satisfactorily managed my student loans, and thus the record of my loans on my credit is excellent. XXXX initially similarly that my loans were in great standing and otherwise in deferment. However, on XX/XX/XXXX, I received a notification through XXXX XXXX and Equifax that my credit score dropped XXXX points due to a new status report from XXXX. The notification provided no further details regarding the " new status, '' except " remark code removed, '' but clearly such status is negatively impacting my report. Not XXXX of these agencies has explained the exact reason for the negative status report, which is notably inaccurate.
Complaint sub-issue: Account status incorrect

Discover Personal Loans,  XXXX   XXXX   XXXX   XXXX   XXXX  Ut  XXXX .  Discover  Reports to  XXXX ,  XXXX , and  XXXX  that an account Opened in  XXXX  which was included in Bankruptcy discharge as of  XXXX   XXXX  Has been reported as Recently closed and negative as of  XXXX   XXXX . This account was closed no later than  XXXX   XXXX  in which bankruptcy w as discharged. Discover has be en reporting since  XXXX   XXXX  showing recent status of delinquent account. There is no recent bankruptcy in  XXXX  as discover is reporting with this account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX & Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have a 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: Fraudulent loan

Acima Digital, LLC is not a federal, but a commercial institution, so by federal law jurisdiction, they are a consumer reporting agency and debt collector ( debtor ). Acima Digital, LLC. is a non-living and non-breathing entity and they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent lease-purchase agreement. They have committed illegal acts, fraudulent representation of fact and lending of credit instead of money, also unfair debt collection practices and harassment through deceitful charges, theft and billing tactics. A Corporation, a non-living entity, can not lend funds or extend credit, therefore they can not be the owner of any property that was acquired through a natural person 's consumer credit transaction. The documentation they have presented constitutes Identity theft and fraud. Acima Digital, LLC willfully intended to deceive the original creditor, myself, into a fraudulent contract during a consumer credit transaction. I know who I am, and I am Invoking my specified remedy as the original creditor and consumer in this consumer credit transaction. It is impossible to pay on a positively reflected balanced debt or charge. They have misled the consumer, when in fact the alleged debt balance showed it has already been accounted for. Thank you in advance for your response.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been trying to submit my disputed information and have been unable to do so online or by telephone. I have also sent several letters and still no reponse. I am currently a victim of ID theft
Complaint sub-issue: Account status

I settled a debt with Bank of America. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' I have sent the documentation to the credit bureaus and they have responded saying that the debt has been confirmed. This is a XXXX debt -- not XXXX -- so anything related to it should be reported as " settled '' -- even if it is associate with XXXX distinct account numbers.
Complaint sub-issue: Don't agree with the fees charged

Following up student loan for classes I didnt attend. With draw from college with in 30 days. Tried to get resolved for over 10 years. Keep getting run around!
Complaint sub-issue: Problem accessing account

Tried to send my daughter a XXXX for the amount of {$80.00} because it was a new account it flagged it for possible fraud then received an email stating my account would be closed for no reason given and that my funds would be held for 30-60 days while my account closing would be processed to expect whatever funds I had in the accounts to mailed to my current address.
Complaint sub-issue: Information belongs to someone else

inaccurate info with breach of Equifax has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Again, ERC/Enhanced Recovery Corporation has ignored my demand to cease calling me and called again today, XXXX XXXX, XXXX, XXXX. I've told ERC in writing in XXXX and again during intercepted calls in XXXX that I DO NOT KNOW PERSON WHOM IT SEEKS ; TO CEASE CALLING ; AND REMOVE MY NUMBER IMMEDIATELY! 
I'd just made a similar complaint to CFPB yesterday, XX/XX/XXXX. Complaint # XXXX.
Complaint sub-issue: Debt is not yours

The company Enhanced Recovery Company has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. This account is not mine as I have not signed a contract with them or any company they affiliate with. This account is fraudulent and was made without my consent. They have no validation of the debt belonging to me. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Enhanced Recovery Company is a scam and does not care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT TREASURY  XXXX and XXXX XXXX have 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: Attempted to collect wrong amount

I have an old account that went to collections for XXXX XXXX. The amount owed was {$1000.00} when it went into collections. When I received a call about this bill in XX/XX/2020, I was told that the bill was {$2100.00} ( which was never the amount owed ). 
Well because I am trying to increase my credit score I planned to pay all past due bills. The company assigned to the collection was XXXX XXXX XXXX XXXX. 
As I spoke with the rep, he explained to me that I could not negotiate a settlement or payment plan since they company is not licensed to collect in RI where I live. Please explain to me how this can not be disputed? I have disputed this numerous times but I am getting nowhere. The amount they are charging me is also wrong.
Complaint sub-issue: Trouble closing card

I have received four cash.app prepaid debit cards in the mail this week with my name on them. I have contacted the company and they refuse to assist me with closing the accounts because I do not know the log in information.