Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

To whom it may concern : On XX/XX/XXXX via telephone I spoke with supervisor XXXX ID # XXXX and explained that I mailed a certified letter to Equifax and it was received on the XX/XX/XXXX requesting you methods of verifying the information that I disputed. I explained to her that I had been told that the Bankruptcy on my report was verified by the Courts on XX/XX/XXXX by a rep from your company via phone ( which I have recorded and XXXX verified by looking at my report as well ) so I reached out to the courts and they gave me a letter stating that they do not and have not communicated nor verified ANY information with any credit reporting agencies. 
On XX/XX/XXXX I believe, I spoke to another rep XXXX who told me that the same information was verified by XXXX XXXX. So I reached out to them on XX/XX/XXXX. They said via telephone and letter stating that they have NOT shared my information with any agencies either due to my report with the FTC my information was locked as per my request in XXXX. 
Also in my letter I disputed an address ( XXXX XXXX XXXX XXXX, XXXX ) which I have NEVER lived at nor been too. As I have stated to you reps ALL the accounts listed in this fraudulent Bankruptcy are reporting this same address. I also told them that I had filed a report in XXXX when I noticed these errors with the FTC report # XXXX regarding Identity theft based on these accounts. You removed the address from my report. 
As per the FCRA you are required to remove any and all information that can not be verified truly. Also by law you have 15 days to get your response to my letter requesting your method of verification. As of XX/XX/XXXX I have NOT received any communication from Equifax regarding your verification methods which you received from me via certified mail on XX/XX/XXXX. This too is a violation of the FCRA. 
As I have enclosed copies of both letters and proof of my identification there should be no more problems removing this Bankruptcy from my report as if is not mine nor have you verified it in any actual way. 
Like I stated to XXXX your representative, Equifax has violated the FCRA three times regarding this issue that I have proof of. 
1. Lying to me via recorded telephone call that the Court has verified the Bankruptcy 2. Lying to me via recorded telephone call that XXXX XXXX has verified the Bankruptcy 3. Not responding within 15 days to my method of verification request.
Complaint sub-issue: Information belongs to someone else

Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been over 35 days with no response. 

The following items do not belong to me ( Fraud Account )- Medical ( Equifax ) - Bal : {$120.00}
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX ProCollect received an account from XXXX XXXX Apartments for a collection account in my name with a balance of {$7400.00}. 

Since this date, I have tried numerous times to validate the debt. This includes, but not limited to : 1. Sent requests directly to the collection agency for debt verification, debt validation, and legal right to collect the debt ( including State License to act as a debt collector ) 2. Sent requests to the credit bureaus asking for the same aforementioned information. 

ProCollect has failed to provide documentation under the FCRA, so much so that I filed a complaint against ProCollect to the CFPB. 

On XX/XX/XXXX I submitted complaint ID : XXXX to the CFPB stating the issue at hand with the debt verification, methods of validation, and legal right to collect on the debt. They responded with : " Procollect received the consumer 's account from our client XXXX XXXX Apartments on XX/XX/XXXX. The consumer owes a balance of {$7400.00}. The consumer 's dispute has been noted and the account has been updated. Procollect will mail proof of the debt to the consumer on today XX/XX/XXXX. I apologize for any inconvenience this XXXXy have caused. The consumer may provide Procollect with any correspondence that proves this debt to be invalid by email to infotocollector@procollect.com or fax XXXX. The consumer may contact Procollect @ XXXX to pay the balance in full over the phone with a credit or debit card, or receive additional payment options. If the consumer has any further questions they may contact me, XXXX XXXX, directly @ XXXX ext XXXX. Thank You '' Upon further review recently after submitting another complaint to the credit bureaus, some new information has come to light in regards to ProCollect. 

On XX/XX/XXXX the Department of Finance for the State of Idaho received a complaint from a resident about illegal debt collection practices from ProCollect. The Department of Finance issue a lawsuit against ProCollect ( XXXX : XXXX ) for acting as a debt collector without the proper state licensing. 

An active Cease and Desist was issued and served on XX/XX/XXXX advising ProCollect to cease all debt collection actions until proper state licensing can be obtained. 

ProCollect was actively purchasing debts in the State of Idaho before they received their State Licensing. This is also true in the State of Connecticut. 

As mentioned previously, ProCollect first reported to the credit agencies on XX/XX/XXXX, but did not obtain State licensing until XX/XX/XXXX. 
ProCollect has failed to uphold the FCRA by : 1. Not obtaining licensing when required 2. Harassing phone calls 3. Did not send proof of debt upon purchase of debt 4. Did not provide verification of debt, validation of debt 5. Reporting inaccurate information All these corrospodances have been documented with receipts, times, dates and outcomes. 

These complaints come with notice of intent to sue for illegal and malicious debt collection practices if the desired resolution is not met.
Complaint sub-issue: Debt was paid

We paid off the debt, which happened to be an oversight on our part regarding a hospital bill which we thought had already been paid, and PMS ( http : //pmscollects.com/index.html ) has been fully compensated for the amount ( ~ {$500.00} ).
Since this has been paid, we expected them to discharge this from active status on my credit report. I spoke to a manager ( male who would not provide his name ) on XXXX XXXX, 2017 and he promised to resolve the matter with the credit reporting bureaus as well as send a letter to us confirming that it was resolved.
However, we never received a letter and the account still shows as active on my credit report. In addition, this was resolved more than a year ago.
Complaint sub-issue: Investigation took too long

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX EQUIFAX RE : Dispute Letter of date you sent in first or subsequent requests To Whom it May Concern, This letter is formal notice that you have failed to respond to my dispute letter of I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on XX/XX/2017 ALSO BOTH OF THESE ARE 60 DAYS OVER THE DEADLINE OF YOUR INVESTIGATION SEE ATTACHED COPY FOR PROOF ALL OTHER DISPUTED DATES AND TIME SEEMS TO BE INVESTIGATED CORRECTLY! 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : CONFIRMATION # XXXX XXXX CONFIRATION # XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. 
PLEASE LOOK AT DATE AND TIME AT THE BOTTOM RIGHT HAND OF THE FILE Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

The following accounts have violated my rights. 
XXXX XXXXXXXX XXXX Dept ed XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes 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: Old information reappears or never goes away

Information that I have a current derogrtory account was falsely furnished to Citi, when applying for credit. I have no current derogatory accounts and obviously old information was referenced to deny me credit, unfairly.
Complaint sub-issue: Information belongs to someone else

Equifax has reported all my inquires credit cards and loan accounts under my sister 's name ( XXXX XXXX ) we are twins and have the same birthday and social security number are off by one digit so I need the XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX under my name XXXX XXXX and there should be nothing under XXXX XXXX.
Complaint sub-issue: Debt was paid

XX/XX/2020, I purchased a car from CARVANA using an extension of credit from my XXXX XXXX XXXX XXXX  Signed a bilateral contract between Carvana and the beneficiary of the trust. Undisclosed to me was the fact that my private information would be sold and given to third parties without my consent or knowledge, this is identity theft and fraud. I have sent numerous debt validation letters but none have been properly validated. Furthermore, upon receiving information on the original creditor, CARVANA, and requesting a debt validation, CARVANA responded saying they were unable to validate. I have sent XXXX, the third party collector, numerous debt validation letters in which XXXX sends unvalidated, altered documents in which XXXX is not listed as a party but lists Carvana as the original creditor. However, when I request validation from Carvana they are unable to provide it stating that XXXX has the original document, however, XXXX has failed to produce any contract that shows them as a party with any security interest. Therefore, if Carvana is unable to validate the alleged debt, XXXX is not listed on the original contract and is unable to validate the alleged debt, how then can the debt be validated and reported negatively to my credit reports? And if so, what were the steps taken to validate?
Complaint sub-issue: Account status incorrect

XXXX : Citibank Joint Checking Account - Line of Credit Account # XXXX My husband and I opened this joint account in XXXX. 

In XX/XX/XXXX, I noticed on my credit report that this account was reported negatively as " Charge off '' in the amount of {$18.00} Neither my husband, nor I had not received any notices, bills, documents or any correspondence from Citibank regarding this. 

In XX/XX/XXXX, I called Citibank and eventually was connected to the Recovery Dept at ( XXXX ) XXXX. The representative informed m that Citibank had the wrong address on file and that they had been mailing all correspondence to the wrong address at XXXX XXXX XXXX XXXX, Washington DC XXXX. 

My husband and I have not lived at that address for years!!! 

SInce my husband and I had not received any correspondence regarding this issue, we were not even aware that there was a problem until I saw it on my credit report. SInce we were not aware of any issues, there is nothing that we could have done. The Citibank representative told me to fax my concern to 2 different departments : the " Credit Reporting Disputes '' at ( XXXX ) XXXX and to " Billing Disputes '' at ( XXXX ) XXXX. I asked the representative if I could pay this amount right there and then, but the representative stated this was not an option since the account was in " charge off '' status. I asked what I could do to resolve the issue. Once again, the representative told to fax my concern and requests to those 2 departments. 

On XX/XX/XXXX, I faxed a letter to both of these departments, asking them for a resolution. I asked them to remove the negative credit information, and change the account to good standing. 

I received no responses to this faxes. 

A a consequence, I hired XXXX XXXX to correct this problem in XX/XX/XXXX. XXXX XXXX sent several letters to Citibank asking them to correct this. Citibank has not corrected the problem. Citibank has never offered me an opportunity to resolve the problem.
Complaint sub-issue: Account information incorrect

I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( XXXX XXXX XXXXXXXX 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  ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Complaint sub-issue: Information is not mine

Not sure every account on my credit report are mine. I 'd like proof that these are mine with my signatures!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates 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: Their investigation did not fix an error on your report

on XX/XX/XXXX i filed an ftc report with inquirys that were unauthorized due to identity theft. EQUIFAX has not complied and removed the following inquirys from my credit report 1. XXXX - Card Service Inquiry from XX/XX/XXXX 2.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 3.XXXX Financial Inquiry from XXXX XXXX, XXXX 4.XXXX XXXX Inquiry from XX/XX/XXXX 5.XXXXXXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 7.XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

A letter of dispute was sent to AFNI, INC on XX/XX/2019 in response to a letter sent from them that I owe {$400.00}. I gave a formal dispute and have not received any reply from the company. I do not owe this company anything and have never conducted business with them. They have since added a collection account to my credit report on XX/XX/2019 which I've never granted them access to. I would like them to remove it immediately.
Complaint sub-issue: Reporting company used your report improperly

I have been violated by the Credit Reporting Agencies and Corporations by furnishing information on my consumer report without my written consent.

Per 15 USC 1681 ( a ) 2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Your company has violated my consumer rights by furnishing information such as payment history, which are considered transactions or experiences between the consumer and the person making the report. 

The accounts furnishing any late payments should be excluded and deleted from my consumer report. I did not give my written consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I am respectfully requesting for XXXX, Equifax and XXXX to add this positives accounts so my credit scores can improve over 600 's as my credit scores are suffering.

1.XXXX XXXX XXXX account # XXXX balance under $ XXXX.This is not a credit card or home loan, is a water softener purchase in 2015. 
in XXXX, Texas. 

2.XXXX  XXXX  account XXXX XXXX on purchase of a Laptop, this is not a credit card account. Balance is around {$640.00} as of XXXX 3XXXX XXXX XXXX  XXXX  credit card account XXXX XXXX, balance as of XXXX is {$440.00} Please add this accounts immediately. 

Thank you for my accommondations of my ADA Disability Act under Department of Justice.I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX XXXX Veteran. 
Urgent Matters!
Complaint sub-issue: Information belongs to someone else

After four months of trying to get the credit bureaus to correct the errors in my report, I still have unverified accounts on my report. I have asked them in writing for proof of verification for going on five months now I have supporting documentation. On one particular account the alleged creditor was deleted because of the erroneous account but the collection account for the same false and since then deleted account has been never been removed ( that took four months to complete ) I have asked all three bureaus to send me documentation of these accounts they are claiming are mine I have had a lock put on my credit reports for having fraudulent activity I am simply trying to correct the damage do to my account and am receiving an extremely hard time trying to do so.
Complaint sub-issue: Investigation took more than 30 days

filed a ftc 45 days ago XXXX  XXXX  XXXX XXXX XXXX, XXXX TX XXXX XXXXXXXX/XXXX, XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX FL XXXX Phone : ( XXXX ) XXXX Equifax still showing the FTC violations
Complaint sub-issue: Information belongs to someone else

On XXXX/XXXX/XXXX after reviewing my credit report I notice that 2 fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are still being reported on my credit report after repeatedly mailing my FTC report, XXXX report and identifying information since XXXX of XXXX. I submitted my information over 6 times however they keep sending letters stating it was verified when I have sent documentation via certified mail requesting proof over 4 times. I have been getting the run around through the mail with the agency without any progression which has negatively effected my score and cause me great financial hardship.
Complaint sub-issue: Banking errors

A bank that gave me a deposit slip on XX/XX/XXXX confirming receipt of checks and cash totaling {$2300.00}, today notified me that they're debiting my account by {$1400.00}. 

I'm the XXXX of a XXXX XXXX XXXX XXXX XXXX organization that banks with XXXX and as XXXX I regularly make deposits in person at a local USBank branch following events that the organization holds throughout the year. I always keep an XXXX spreadsheet with a breakdown of the deposit that identifies each check being deposited and the number of each kind of cash bill being deposited and I have copies of almost all such deposits going back to XXXX as Ive been XXXX all those years. 

On XX/XX/XXXX, the organization had a luncheon for seniors event where the charge to attend was an even {$20.00} per person. About 125 people attended the luncheon ( we were only charged for XXXX ) and we collected some payments in advance but most people paid at the door. On XX/XX/XXXX, I made an in person deposit at the bank totaling {$2300.00}, consisting of ten checks totaling {$590.00} and cash totaling {$1700.00}. The {$1700.00} cash breakdown was all in bills, XXXX XXXX, XXXX XXXX and XXXX XXXX. I received from the bank teller a stamped deposit slip for {$2300.00}. 

At least 2-3 weeks later, the bank called to tell me that there was a discrepancy in the amount of cash received and especially in the number of XXXX deposited that day. I told them that I was absolutely sure that I deposited XXXX XXXX dollar bills and suggested they check their camera footage. Over the following couple of weeks, they called again 3-4 more times and I even sent them a copy of my spreadsheet showing my deposit breakdown, etc., and pointed out that my file folder date and timestamp on that spreadsheet file was for the day and afternoon before the deposit was made. 

Today they called again and I asked them to send me an email as I was getting frustrated with all the calls. The email today says We will need to debit {$1400.00} from the account ending XXXX since we did not see XXXX bills of XXXX on the date of XX/XX/XXXX. 

That email also raises another issue for the first time : " I dont see any large cash deposit on the account ending XXXX for past few years, so wanted to check why only this time you had large cash deposit. '' She obviously didn't check my XX/XX/XXXX cash deposit totaling {$1500.00} ( which included XXXX XXXX! ), a XX/XX/XXXX cash deposit of {$1100.00}, and another cash deposit for {$1100.00} a month prior on XX/XX/XXXX. That's after just a quick glance through some deposits, but I'm sure they didn't realize that I keep copies of them all! 

I hope you can resolve it before I have to involve an attorney and the media.
Complaint sub-issue: Account status incorrect

Information reflected on report is inconsistent and incorrect ; account has now been closed. Payment reporting has many errors and has been inconsistent on frequency of reporting.