Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I.C System, INC account # : XXXX has violated my rights Under the FCRA and the FDCA.

Under 15. U.S.C 1681 section 602 A : States I have the right to privacy They also violated my rights under 15. U.S.C 1681 section 604 A section 2 : Which states a consumer reporting agency can not furnish an account WITHOUT my WRITTEN instruction. WHICH THEY DID NOT HAVE!

They violated my rights under 15 U.S.C 1692b section 2 that states : shall not state that such consumer owes any debt ; This consumer has contacted me multiple times without consent and sent me letters. 

As well as under 15 U.S.C 1692b section 3 that states. Shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; WHICH THEY DID NUMEROUS TIMES! in attempt to collect a debt. 

Again They also sent me a letter which violates my rights under 15 U.S.C 1692b section 5 that states : shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

After breaking all of these laws and violating my rights I demand justice and for the account above to be deleted from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have asked the collectors from Americollect Inc, numerous times to please cease with the constant harassing telephone calls. 

I am a decorated veteran that had a XXXX in 2019 and spent 5 days in the hospital. I went in the hospital with no medical insurance. Various doctors came to see me sent me bills. 

While in the hospital I applied for XXXX insurance and was accepted. Lately I have been receiving calls from Americollect for 5 different bills from these doctors. 

They will not or can not use my XXXX insurance to cover these bills. 

I'm on a poverty level income and now taking medication for my XXXX condition. 

These calls are contributing to my XXXX.This company is disrespectful and abusive with their incessant calling. 

I've asked for these bills to be removed by Americollect due to my circumstances. 

They need to sanctioned for their actions.
Complaint sub-issue: Attempted to collect wrong amount

This is the second complaint I'm filing against this company ( ProCollect , Inc ). They have fraudulently credit reported this debt which is having serious effects on my credit, preventing me from obtaining new housing and a better job. I was employed with the Original Creditor ( XXXX XXXX XXXX ) in 2018 as a Maintenance Supervisor and lived on the premises to which they are stating I broke a lease with them. This is absolutely false as I was on a month to month basis with them and was never on any lease. I can tell you for a fact that anyone employed with an apartment complex is never put on a year lease for the simple fact that if the employment is terminated for any reason, then there wouldn't be a binding contract obligating the employee to stay at that apartment. When I filed the last complaint, ProCollect sent me some falsified documents that made absolutely no sense and appeared to be missing pages. I do not owe this debt and I demand this be deleted from my credit report or I will move forward with legal action. There are plenty of XXXX XXXX XXXX that will sue a debt collector for the slightest violations of FDCPA and FCRA. This is complete fraud and harassment. I will sue ProCollect to the fullest extent of the law!!! I want this off my credit NOW!!!!
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... balance : - ; XXXX XXXX  XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX  XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX/XXXX  XXXX XXXX .... Balance : {$4400.00} ; XXXX XXXX XXXX .... Balance : {$2100.00} ; XXXX XXXX XXXX .... Balance XXXX {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Not given enough info to verify debt

On XXXX XXXX, 2015 I sent a certified letter to Grant & Weber requesting verification of the debt they have been reporting on my credit profile. The debt total {$150.00} + {$50.00} for interest. I have yet to receive validation of this debt. On XXXX XXXX, 2015 I decided to send a letter to settle this debt and have it removed from my credit profile. Since the amount would total XXXX I figured I would save my self time and money and send them a request to settle this account. On XXXX/XXXX/2015, I received a letter from Grant and Weber stating they have no record that I made no attempt to contact their office. I have attached the XXXX certified letter receiptsand copy of the letter I received from Grant & Weber on XXXX/XXXX/2015. I was under the impression that they are required within 30 days to respond with proof of this debt belong to me. The letter dated XXXX/XXXX/2015 was not validation but a collection letter, they totally ignored validating this account.
Complaint sub-issue: Information belongs to someone else

FRCA Violation credit cards late payment XXXX FRCA Violation XXXX XXXX late payment XXXX XXXX FRCA Violation XXXX XXXX loans late payments XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX FRCA Violation inquiries XXXX  XXXX NA XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXXXXXX CT XXXX, TX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXX XXXX  XXXX  on my Equifax report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX  about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX  and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX  conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my Equifax inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. EQUIFAX The remainder of these inquires are mine. 

XXXX  : This bureau was contacted as well about the inquires and was told verified XXXX XXXX  XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report XXXX  : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX  XXXX  : I've contacted XXXX  XXXX  in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX  XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or third party rep and I have a legal right to dispute anything on my credit report. I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. I have been informed by ENHANCED RECOVERY CO L # XXXX. was/were deleted PERMANENTLY from my credit report. Now, I have discovered the item ( s ) have been REINSERTED on my credit file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX 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 : It also states a consumer reporting agency can not furnish account without my written instructions.
Complaint sub-issue: Debt was paid

This company Klarna says I owe {$150.00} that I paid off months ago before it went into collections. The company agrees I paid off my debt but they haven't rectified my account going into collections. I do not owe this money.
Complaint sub-issue: Account status incorrect

On XX/XX/18 I made contact XXXX XXXX to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( XXXX ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on XXXX 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.
Complaint sub-issue: Account information incorrect

XXXX This account continues to appear on my Equifax/XXXX XXXX report. I have made attempts by phone and on-line, but they have yet to correct the above account for XXXX XXXX XXXX. The item was paid in full and should not have been reported by XXXX XXXX XXXX 's office to the credit bureau. Attempts to accesss my credit file are useless. Attempted to speak to a representative, today ( XX/XX/XXXX ), but, was placed on hold for more than 15 minutes when I finall disconnected the call.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy.
Complaint sub-issue: Their investigation did not fix an error on your report

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

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by XXXX XXXX XXXX. While checking my credit report, it came to my notice that XXXX XXXX XXXX has furnished an account ACCOUNT # XXXX ACCOUNT # XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the XXXX major XXXX XXXX, XXXX, and Equifax. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by XXXX XXXX XXXX will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and Equifax. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, Equifax, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX -ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or XXXX XXXX XXXX, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. If you do not cease communication, I will escalate the matter to a Federal Complaint. Sincerely XXXX XXXX XXXX
Complaint sub-issue: Keep getting calls about your loan

I received a voicemail asking me to call back to talk about changes to my student loan repayment options. The woman who left the message said her name was XXXX XXXX and said I could reach her at ( XXXX ) XXXX. I believe that this is a scam because the woman did not say my name or the name of my loan servicer in the message that she left.
Complaint sub-issue: Information belongs to someone else

This credit bureau has information on my report that is inaccurate. I have never opened an account of any kind ever in my entire life. I have never authorized any accounts to be opened in my name, ever in my entire life. This bureau and any accounts/creditors can not prove or provide any evidence of me opening any accounts in my life. I have never had a utility in my name, a credit card in my name, or any debt in my life. I have never provided my social security number to anyone/entity or authorized the use of my social security number to be used. This bureau is reporting false information on me and in no way can supply my signature on any contract or my identification associated with any account that is reflected on the false report it continues to house. I have never authorized any inquiries on my credit report and will be having this bureau audited and all creditors/inquires audited as well.
Complaint sub-issue: Their investigation did not fix an error on your report

FedLoan Servicing was mailed disputes regarding my credit report for XXXX months worth of late payments reported from XXXX and XXXX of XXXX causing me to have XXXX ( XXXX ) late payments show on my credit. After more than 6 months it was finally resolved and FedLoan Servicing sent correspondence to me and also here that the issue will be corrected and the update will reflect on my credit reports within 60 days from XX/XX/XXXX which it was. 
However, FedLoan Servicing came back here on CFPB in XXXX and stated that again there was another error and the correction to remove the late payments from XXXX and XX/XX/XXXX was also removed in error and that the late payments should remain on my credit reports. 
My issue with FedLoan Servicing is that they are not resolving an issue that they created. I have sent several disputes to this company and have not received any form of resolution this has taken a toll on me mentally, physically, and emotionally to have to endure pain and suffering all because of their mistakes. No one at this company has taken accountability to resolve my issue, please assist and I want these late payments to be removed once again from all three ( XXXX ) of my credit reports immediately. 

For their company to agree to update this information then later go back and add it to my report is destructive to my credit worthiness and illegal.
Complaint sub-issue: Account status incorrect

On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if XXXX and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript  be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you
Complaint sub-issue: Information belongs to someone else

his is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my XXXX XXXX XXXX. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX- {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX, GAXXXX XXXX XXXX XXXX, GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THANKS
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX our loan was transferred to Loancare. Apparently only my wife 's old work number was the only information that was transferred ( I found this out after I called about the bank draft non payments ). When I found out about my bank draft not occurring, I called my previous servicing company and was informed the loan was transferred. When I called the loancare the first time, I paid the full balance and was told the autodraft should be set up. Several months later, I realized the payment was still not occurring. I called immediately and made full payment and was correctly told by the associate that I needed to set up the auto draft myself. I did this immediately and now it 's all setup and working. The reason this is so time sensitive is because we are in the process of buying a new home and my credit score decreased significantly because of the late payments. We have never had a late payment in the 9 years prior to the loan transfer. This should not be an issue of us being at risk borrowers.