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

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX ****
Complaint sub-issue: Information belongs to someone else

I am completely dissatisfied with this company called XXXX XXXX XXXX XXXX, XXXX, & Jefferson Capital Systems. I have contact them and XXXX MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them XXXX different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! XXXX, XXXX XXXX, XXXX not Jefferson Capital Systems have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXXXXXX XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, US BANK XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Account information incorrect

I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX*** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.
Complaint sub-issue: Reinserted previously deleted info

I XXXX XXXX disputed Items in my equifax credit report, by certified mail # XXXX XXXX 2016, company -XXXX, account # XXXX XXXX, account # XXXX XXXX and XXXX XXXX documemts sent for proof of paid accounts XXXX XXXX 2016 sent credit report # XXXX.corrected the items.and put the Items back on the by XXXX XXXX 2016.with proof of paid accounts.please investigate this matter.if there is anything i need to do just ask.
Complaint sub-issue: Information belongs to someone else

At the end of XXXX, I filed an affidavit and a police report to have some items removed. I received a completed investigation letter by mail. It stated that on XX/XX/XXXX that the disputed items have been removed, which stated that the items were not currently reporting on my credit report, but when I updated my credit report, the items are still reporting on my current report. Equifax is violating the Fair Credit Reporting Act because this company is still reporting fraudulent items on my credit report. I have contacted my attorney and my next steps includes filing a lawsuit with the court. Please correct this matter immediately.
Complaint sub-issue: Reporting company used your report improperly

In light of my new understanding of consumer laws, I've discovered that Mohela is in violation of the law when it comes to my consumer report. They are in violation of the following US Codes : 15 U.S. Code 1681 ( 2 ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 ( 2 ) ( iii ) : communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( No disclosures were given ) 15 U.S. Code 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( I was never given the option to Opt-Out )
Complaint sub-issue: Account information incorrect

This complaint is regarding the XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX is factually incorrect. 

The vehicle regarding this auto loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. Yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account and its entirety from my credit file. 
A monthly should not exist after a repossession has occur.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/XXXX I sent Discover Financial Services of XXXX. XXXX XXXX XXXX XXXX, IL XXXX {$2500.00} for a secured credit card with the understanding that after a year I would be eligible for an unsecured card. It had now been 2 years and my card is still not unsecured. It is the only credit card I have that is secured. In my time with them I have never gone over the limit or had a late payment. In fact in most cases I paid off the card every 2 weeks or made a payment at the least. To give some weight to the seriousness of the situation it should be said that year to date XXXX I have charged and paid over {$51000.00} with another major credit card company using an unsecured credit card. So money or ability to pay isn't the issue. It is my feeling that XXXX is using unfair advertising practices to lure customers with the promise of credit building when in fact very few get unsecured cards. The consumers monies are used as an investment tool and no interest is paid to the consumer. The consumer is being taken advantage of. Some would suggest that I simply close the account. The issue with closing credit card accounts is that it is deemed as a credit risk and will be reflected on my credit report as such. I have hedged my bets and will likely leave the monies in place because i expect a class action law suit will by filed for these practices in the future and being part of that would likely net me a nice return. The issue is that most people that need a secured card will not have that option.
Complaint sub-issue: Old information reappears or never goes away

I have paid off my credit card with XXXX XXXX XXXX and they agreed to delete it off of my credit report and they are still reporting it and have not removed it. This account has been on my credit since XX/XX/2016 and I would like it deleted as it was paid and the company agreed to delete it, Instead they marked it as a paid charge off.
Complaint sub-issue: Attempted to collect wrong amount

Around XXXX on XX/XX/XXXX I contacted Enhanced Recovery Co LLC to inquire about a debt I owed them. I specifically asked if the amount could be settled for less and paid to be deleted from my credit report. I was told if I settled the account for {$590.00}, the account would be considered " settled for less than full amount '' and I was told that the collection would be removed from my credit report within " 24 hours to 45 days ''. I repeated my question and was ensured that the collection would be removed from my credit report if I paid. I agreed and paid the {$590.00}. Payment was taken out of bank account XX/XX/2022. 


Saturday XX/XX/XXXX, I called and requested a paid confirmation letter, which I was emailed. 



Monday XX/XX/XXXX at XXXXXXXX XXXX, collection is not removed from my credit report. I called Enhanced Recovery to ask for an estimated date of when collection would be removed from my credit report and was informed that even though I paid off the collection, they would not be removing the collection. I informed the staff member on the phone that I was told by their company that the collection would be removed if I paid, and she told me " enhanced recovery will not delete collections from credit reports ''. 


Enhanced Recovery misrepresented themselves in telling me they would remove the collection after payment is successfully processed, and then refusing to remove collection after receiving payment.
Complaint sub-issue: Account status incorrect

On XX/XX/2022 The CRA in question sent a letter with a confirmation number [ XXXX ]. The Letter stated the result of the reinvestigation into an inaccurate account is not currently reporting on the Equifax credit file. When indeed it still appears on my consumer report. According to 15 U.S. Code 1681s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

It is the CRA sole responsibility to make sure all information furnished is in accordance with the governed guidelines.
Complaint sub-issue: Information belongs to someone else

ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above 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: Investigation took more than 30 days

We recently sent a letter to Equifax and XXXX XXXX, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not. We are attaching a copy of the letter that we sent to them.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. 

XXXX  XXXX {$410.00} Was paid and they are reporting inaccurate information. 

XXXX XXXX account is reporting wrong information. I would like it removed! 

XXXX XXXX XXXX. Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 


XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX/XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX  XXXX is reporting inaccurate information. I want this removed from my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

XXXX continues to somehow reappear on my credit report showing that I owe them money after these accounts have been closed. These private student loans were opened 12 to 20 years ago, yet somehow XXXX manages to continue to hit my credit report. Just today when I checked my credit, they say I owe them over {$200000.00} in private student loans that are 12 to 20 years old. This dropped my score by over 40 points. I continue to dispute this with the credit bureaus and it gets removed, then months to even a year later, XXXX reappears again.
Complaint sub-issue: Can't use card to make purchases

First Progress has closed my account without my authorization. First Progress has treated me in a discriminatory manner on customer service phones calls. First Progress refused to reopen my account and I have a credit in the amount of {$210.00}. First Progress has not honored their terms and agreements, they charged undisclosed fees.
Complaint sub-issue: Didn't receive enough information to verify debt

I recently attempted to dispute a debt from XXXX XXXX XXXX, via XXXX XXXX, XXXX, XXXX and via letter ( us mail ). This request has been submitted multiple times and the first time I did so, they failed to respond to me within 30 days ( the dispute was open for over 90 days ). I requested the orginal debt date to be provided ( not the date that the debt was turned over to the collection agency ) and they have failed to give me this date. They recently just updated the debt with the date that they attained it and accuse me of still being indebted. ( Actually reported that I am now late ). I have no idea what my next step is. I don't even know what account this is orginally from. I requested that all this info be mailed to me so I could review it.
Complaint sub-issue: Personal information incorrect

I have trying to Get the XXXX AL address off of all of my credit reports for years! What is the problem. I've never lived their. I've never had mail delivered their. My x-wife lived their with her dad and step-mom as we were going through our divorce. I have lived in my house that I bought in XXXX since XX/XX/XXXX. I threw hew out. Filled her truck and told her to leave. Find me anything that ties to XXXX! 

XXXX XXXX. XXXX XXXX XXXX XXXX Is there a problem?
Complaint sub-issue: Account information incorrect

THESE ARE erroneous inquiries reporting to my file
Complaint sub-issue: Debt is not yours

I received a bill from AFNI INC. SUBROGATION DEPARTMENT.
It states that they represent XXXX XXXX to whom I owed {$2900.00} for payments they made to their policyholder due to a car accident with my involvement on XXXX-XXXX-2017. File # XXXX. Claim # XXXX. I contacted XXXX XXXX and they said they were not aware of such bill and that I do n't owe them anything.
Then I called AFNI on XXXX-XXXX-2017 at around XXXX and spoke with a gentlemen who was not able to give me the source information for this claim and demanded me to have my insurance company contact them for making this payment. He was EXTREMELY RUDE AND THREATENED ME to revoke my driving license if I did n't. I asked him to calm down and not raise his voice at me. He said that I should be looking for notification in the mail for my license revocation by some department very soon.
Complaint sub-issue: Information belongs to someone else

I have been disputing a few accounts on my credit reports for some time now with XXXX, XXXX and Equifax. They have been reporting inaccurate information on my credit reports and refuse to correct the problem. XXXX is reporting that I was late on my account with XXXX XXXX account but I was never late, I disputed this inaccurate information with all three credit bureaus and XXXX and Equifax has corrected the problem but XXXX continues to report this inaccurate information. I the other two credit bureaus have corrected this issue why is XXXX still allowed to report this inaccurate information? How are they getting their information to verify this information when the other two credit bureaus could not? XXXX and XXXX are reporting inaccurate accounts on my reports that I have three charge off accounts with US DEPT ED and that I have had late payments on an account with XXXX. I disputed this information with all three credit bureaus and Equifax removed and corrected this issue but XXXX and XXXX has not. Again, how are they able to report inaccurate information? If Equifax found evidence that these account s were in fact inaccurately reporting where are the other two credit bureaus getting their information from?
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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus 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 remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$830.00} ; 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX 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 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: Investigation took more than 30 days

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX  XXXX Open Date XX/XX/2014 balance : Balance : {$0.00}
Complaint sub-issue: Account information incorrect

I've reached out to Macy 's on two separate occasions requesting lawful information under the Fair Credit Billing act. All letters were sent via priority mail with tracking. All requests were received by MACY 'S Credit Dept, yet ignored. These are clear violations of the Fair Credit Billing Act. The interesting part is that I've disputed this account with all three credit bureaus on multiple occasions and the bureaus " claim '' that MACY 'S responds to them and verifies the account. It's become very clear that the information I'm requesting no longer exist with Macy 's. 

After sending letters to the original creditor and not getting a response I decided to dispute it with XXXX, XXXX  and XXXX. I've even sent them a copy of the letters sent to MACY 's and asked them to remove the data but they have also ignored my request. The bureaus can clearly see that I've put forth effort to reach the original creditor for verification/documentation but they decide to leave it on my credit file. The bureaus are violating the FCRA by allowing this data unverified data to be reported. 

I've attached all correspondence sent to Macy 's, including my most recent letter dated XX/XX/2019 which is being mailed out today. Delivery confirmation of previous letters is also attached.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent all three bureaus a certified letter asking them for verification for the items placed on my report. To this date I have not received verification of debt. Here are the items : 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