Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX I spoke with a representative from ERC regarding an alleged XXXX balance of {$1400.00}. When the packet was received I called and informed ERC the information shared was fraudulent. The signature provided within the documentation was not my signature and I did not make the purchase on the date indicated in the XXXX documentation. ERC informed me that they would follow up and send me information on how to dispute the fraudulent information. As of XX/XX/XXXX I have not received that information to dispute this information. I filed another complaint with XXXX and

FTC due to the negligence in the reporting of this debt without proper verification that this debt is valid. Upon receipt of the documentation it was confirmed that this debt is in fact fraudulent and should not be reported on my credit history. Please see the attached signature page sent to me by ERC. This is NOT my signature and should be be able to validate this debt as ERC has continued to pursue from me. Please note that ERC is not the original creditor and they are not the 1st collections
this debt has been sold to. ERC refuses to provide the information as to where/who they bought this debt from. This would show that the timeframe as reported by ERC is inaccurate and that despite all else they do not have the right to continue to pursue me for this debt.
I am also filing a complaint in the manner of how this debt continues to negatively impact my credit when it is sold to another collection agency. ERC incorrectly reports this debt as being 3 years old and that is not valid. I first began disputing this XXXX account on my credit history in XX/XX/XXXX. During that time I was denied the opportunity to receive a copy of the final bill and contract showing my signature where I had made the purchases totaling the amount referenced on my credit report. I filed disputes with all 3 credit bureaus. XXXX informed me in XXXX that they are unable to provide any assistance as the account has been closed. This account has affected my credit due to ERC not providing me with the requested documentation to dispute this account on fraudulent terms. This account should not continue to be reflected on my credit history due to inaccurate account closure/opening date, as this account has been sold to several different collection agencies over the past 6 years. Each new collection agency then reports the account as " new '' and that new report negatively impacts for credit as though the account was new and recently placed into collections.
Complaint sub-issue: Account information incorrect

Our home was destroyed by a tornado on XX/XX/XXXX. It was uninhabitable. I went into a forbearance plan for the months of XXXX through XX/XX/XXXX. The loan was sold to a different company in XXXX. Under the forbearance plan, I was not required to make payments and this would not affect my credit. I was incorrectly reported to the credit bureaus in XX/XX/XXXX for non-payment. I notified XXXX of their mistake. They investigated and provided a letter admitting their mistake and stating they will correct it with the credit bureaus. The letter was dated XX/XX/XXXX. I was not made aware of this letter until XX/XX/XXXX. The credit bureau Equifax was NEVER notified or corrected and it is STILL reported incorrectly as of XX/XX/XXXX. I have notified XXXX multiple times but keep being told " it is under investigation '' and nothing more can be done for 30 days. This is preventing me from being able to buy a new home for my family. I have unfortunately already put an offer on a home and it was accepted. I will not be able to secure the new mortgage due to this continued error and will lose all of the money I have spent on inspections and appraisals. The seller is only extending the offer for 5 more days. I have had multiple phone calls and emails to XXXX that have not made a difference. The worst part isn't that we lost our home and everything to the tornado ; it's that I did everything I was supposed to on my end to properly go into a forbearance plan and keep the mortgage company up to date. But here I am, just trying to buy a new home for my XXXX children but unable to because of XXXX 's incorrect reporting and refusal to fix their error.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX, Key Bank closed my XXXX account without notification. I had used the XXXX service since 2016, while the service was still part of the XXXX company. It is a service I have used for the past 4 years. 

XXXX is a financial service that allows users to aggregate their financial data ( e.g., credit cards, checking account, savings, debts ) to view a common, holistic picture of their finances. While the service does not allow for the manipulation of individual accounts ( payments, withdrawals, etc. ), it does aggregate highly sensitive personal financial data ( including account balances, financial relationships, user logins, and user passwords ). 

I am deeply troubled and concerned by the sudden loss of access to my account. On XX/XX/XXXX, I emailed the support, and received notification of my account closing. This news surprised me as I did not receive warning prior that my account access would be ending, and because I have shared highly sensitive information to this service. Without formal notification of my account closing, I am left in the dark how Key Bank may use and manipulate my data ( and potentially the thousands of other users ) without consent. 

I request that the CFPB investigate this matter with expediency, and ensure that the consumer 's of Key Bank 's XXXX service are protected against fraud and personal information data leaks.
Complaint sub-issue: Didn't receive enough information to verify debt

I was contacted  at the end of XX/XX/2020 by XXXX XXXX ( a debt collection agency ) from XXXX, FL stating that I owed a debt. I promptly sent them a letter days later within the 30 day window requesting verification of the debt because I did not believe I owed the money requested. I never received a response back from them in accordance with federal consumer protection statutes. I followed the statutes in attempting to get this dispute resolved but the company did not seem to care. Months later I found out that XXXX XXXX contacted the credit score agencies in order to mess up my credit score. They were not allowed to do that without verifying the debt was mine which they did not do. This company is in violation of federal laws and should be disciplined as such. I would like this issue to be resolved so my credit score can return to normal. Thanks!
Complaint sub-issue: Can't use card to make purchases

i was unable to view my account for my card online there was a prompt saying that unauthorized purchases needed to be reviewed for some kind of fraud issue. i called in and i was told that i needed to use docu sign to authorize to have my tax papers reviewed to confirm my identity. I was misled and there was no fraud. I was also told with the current pandemic this could take weeks and my card may or may not allow for purchases. I advised this is not the best time to do this as the world is experiencing a pandemic and stopping a card at this time could hurt a customer financially. I am not sure what other customers are going through this, but this shouldn't be allowed during a time like this. Something needs to be done.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple complaints I submitted to the XXXX Credit Bureaus, my request for proper verification and correction of the erroneous information on my credit reports has been neglected. The last complaint I submitted to XXXX, Equifax, and XXXX Credit Bureaus was XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still erroneously reporting on my credit report and I am hoping that you may be able to help me have these accounts corrected as soon as possible. 
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 XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

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

XXXX  and Equifax are still showing incorrect information. It shows that my Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was 10 years ago!! And should have been removed I was educated on by the courts would fall off after 7 years max. After the housing crash in XXXX I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an XXXX FICO score with XXXX   because they have complied and removed the BK years ago when they should have and were supposed too.

It's been discharged and satisficed by the courts 10 years ago. This needs to be updated and removed from XXXX  and Equifax as soon as possible to start reporting accuracy and not outdated false information.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My citi costco credit card ( the physcial card ) is stolen and someone used it to make some purchase. However, citi refused to return me the money back. The place these purchase are made, I didn't go there, either my family did. But citi refuse to return the money back because they said people used the chip! I have evidence that I was not in those place. As a big bank, citi is very disappointing. I am going to keep fighting until citi did the right thing. I am not afraid to go to the court and make the statement because I know it is fraud and I know citi was trying to play games with their customers! I believed justice will be made!
Complaint sub-issue: Information is missing that should be on the report

I currently have a XXXX XXXX credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called XXXX XXXX and all XXXX bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!
Complaint sub-issue: Threatened or suggested your credit would be damaged

Americollect Inc., is demanding money from me with the intentions of damaging my credit scores if not received in their version of a timely manner. Americollect Inc., are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX. I have not received any goods or services from Americollect Inc., and I do not know how Americollect Inc., received my private medical information. Please be advised no consent to treat documents bare the name Americollect Inc., as Americollect Inc., is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 

With proof of receipt Americollect Inc., received my validation notice on XX/XX/2022 via XXXX mail. Americollect Inc., is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to Americollect Inc. , on behalf of another company at the expense of my medical information being on display for whomever. 

Americollect Inc., proved they are willing to do whatever they can to force their alleged clients into paying debts while violating their XXXX rights in the process. The account validation provided by Americollect dated ( XX/XX/2022 ) proves I am the victim, and if I dont pay Americollect Inc. , they will damage my credit scores. By providing documents of my previous private XXXX XXXX, Americollect Inc., have indeed violated my XXXX rights. 

I am not a party to any agreements that Americollect Inc., may or may not have with XXXX XXXX XXXX XXXX I am not responsible for Americollect Inc.s purchase / transfer from XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2022, an unnamed authorized representative of Americollect Inc., mailed her/his/their/a version of a reply to my validation notice. My validation notice was completely ignored. The unnamed authorized representative of Americollect Inc. Due to the carelessness of the unnamed authorized representative for Americollect Inc. , my private medical information is currently on display proving several violations of my XXXX XXXX. 

I have contacted XXXX XXXX XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private medical information to Americollect Inc. At this time, I demand no further contact from any associate or authorized representative of Americollect Inc XXXX 

My credit files are not to be reported to or damaged in regards to this matter as Americollect Inc., are not Holders In Due Course with contractual agreements to support goods or services provided to me.

All calls are recorded for my safety Please be advised that Americollect Inc., is not a Holder in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX and XXXX should not be reporting a collection/charge off in the amount of {$410.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and each bureau is reporting different dates of last activity! Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 

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 items 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 the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Debt was paid

I received a letter from XXXX stating that I own over {$28000.00}, It may be for a credit card. I do n't have credit cards for the last 15 years.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent Dispute letters to the following agencies regarding false items on my credit report. I have given the agency more than 30 days to complete its investigation and its has not been complete nor verified. Please help with false/ inaccurate reporting.
Complaint sub-issue: Information belongs to someone else

My credit report shows an account with MACY'S/DSNB opened on XX/XX/2006. I contacted Macy's to see if I ever had an account with them or if they had any information regarding this debt with a reported balance of $XXXX. Macy's informed me that they did not have any information on file registered with my name or social security number. I then contacted the credit company, and I asked them to provide me with more information regarding this debt. I was told that there was no information on their side other than the principal and amount due. In XX/XX/2006, when this charge account was open, I was XXXX  years old. It would have been impossible for me to open a credit card. I explained this to the creditor, and I was told there was nothing they could do, other than try to collect the amount. This Macy's credit is one that appears on XXXX report.
Complaint sub-issue: Debt was paid

A company is attempting to collect debt that I do not owe. There is documented proof that I paid all bills on time ( through XXXX XXXX XXXX. They charged my bank account every month after I sent a check in ( I have bank statements to prove this ) under XXXX account number ( with name, address, phone number ), but they would call me every month saying I did not pay and disconnect my internet. I called them multiple times and complained about this issue and they did nothing to fix it. It was discovered that they had XXXX account numbers under my name ( their mistake, as this was the first and only time I used their service ). Because of this mistaken second account, they are sending me to collections. I paid payments as necessary every month. I should not pay any debt, as there is none. I sent this proof to a collection agency last spring and now I 'm being contacted by another agency regarding the same collection. What can I do? Also, will this harm my credit score? If so, XXXX XXXX needs to fix it, as it is their fault, their mistake.
Complaint sub-issue: Debt was paid

This is a debt that I have previously disputed with another company and showed proof of payment by the insurance company. Now there is a new company attempting to collect the same debt and has not removed from my credit, impacting my score once again.
Complaint sub-issue: Information belongs to someone else

I contacted Equifax several mo ago and fax and uploaded documents to them showing my address and my ID card. Plus several police reports and FTC report and file a complaint with CFPB showing accounts were not mine and several address were not mine. No response or any correction to my credit report on Equifax. The address XXXX XXXX XXXX is a fraud account and it shows that in the police report. Then there was a account opened in my name at XXXX XXXX XXXX XXXX in XXXX XXXX SC with a lady named XXXX XXXX, She was a loan officer that worked there and stoled several older ladies Identity. She was fired and charges were bought up against her. She now works for the local XXXX dealer in the area of XXXX XXXX SC. Clearly Equifax doesn't care, But XXXX and XXXX does!! They removed all the accounts and inmmentity blocked them. Now Equifax is showing that XXXX XXXX XXXX, XXXX SC is my main Address!!! Clearly that didn't block or even look into the problem. Now Equifax is showing accounts from XXXX XXXX   that I'm a Authorized User on some account that isn't mine and its gone in defaulted! I asked 4 mo ago to please remove this account, because I'm not the card owner and they stated they would remove it and block those accounts. Never happened! Now theres a XXXX account on my report thats not mine, showing it was opened in XXXX of XX/XX/XXXX. Not Mine. Again they stated they would remove it and block it. Never happened!! The next step is filing legal action against Equifax in my local area for abuse and cost. My husband is a XXXX XXXX in the State of NC and he's ready to file today. They never do anything they say there going to do. FTC told them to remove and those account now and block the address of XXXX XXXX XXXX XXXX SC. If this doesn't get resolved in week from now i will file those papers against Equifax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act there a accounts attached that have viol

ated 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 wri
tten consent.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX If you feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Reporting company used your report improperly

Equifax data breach has put me at heightened risk for identity thef.