Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

cra hippa violation enclosed all the information inaccurate information being reported
Complaint sub-issue: Threatened to sue on too old debt

I received a letter and repeated calls from AllianceOne Receivables Management, inc. They claimed that I owed money to the XXXX Circuit Court from the date of XX/XX/XXXX. Every time they called they have left different account numbers as well as reference numbers. I advised them to cease and desist and stop calling my parents phone, I was told not until I paid the debt. I asked them to send me the original documents from the debt because I had paid them in the XXXX County traffic courts division, XX/XX/XXXX. They told me that I left a balance. I do n't have any debt from back then from the Circuit court of XXXX County because I called and tried to verify it but there was no record of any debt. Thank you for your time and reading my letter and have and good evening.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish account without my written instructions.

Under 15 USC 's 1666b a credit may not treat a payment on a credit card account under an open and consumer credit card plan as late for any purpose.
Complaint sub-issue: Debt is not yours

ON XX/XX/2018 i contacted XXXX XXXX ( AFNI, INC ) in regards to a total amount of {XXXX} debt stating I owed to company. I have explained to company this debt is falsely verified and is not mines. Company insisted rudely that i pay this debt. I do not have a contract with XXXX XXXX, and i am not liable for NO debt with this company.
Complaint sub-issue: Reporting company used your report improperly

The Equifax website regarding their data breach on XX/XX/2017 does n't function properly. I get difference answers about whether my data has been compromised or not when I check at different times.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a phone call at XXXX XXXX from an Alltran Financial representative in XX/XX/XXXX while I was XXXX to XXXX. The representative asked for my name, phone number and mailing address. She said, she was trying to collect a debt from XXXX XXXX. I said, I do not remember a loan from XXXX XXXX. She said, you don't remember paying on a loan for a couple of years. I told her I would like verification of the loan but, I would not be leaving XXXX until around mid to late XX/XX/XXXX. I told her to mail the verification to my PO Box and I would get it upon my return. In the meantime ( without sending me notification ) Alltran filed a collection for {$4900.00} with all of the Credit Reporting Agencies ( XXXX, XXXX  and XXXX ). Upon my return from XXXX I received a letter from Alltran stating I owed them {$4900.00}. They did NOT send me verification I indeed was the owner of a previous loan with XXXX XXXX. Now I have an unverified collection action on my Credit Reports.
Complaint sub-issue: Account status incorrect

I am name is XXXX XXXX XXXX and this this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$900.00}
Complaint sub-issue: Information belongs to someone else

I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY CHAP XXXX
Complaint sub-issue: Debt is not yours

hello! My NAME IS XXXX XXXX i had service with XXXX  # XXXX on term of one year contract not to be renewed automatically after that i had paid them in advance for the whole year on that terms they still came and service after that and tried to collect money kept sending me bill, i called to explain twice no response in helping instead they send this to collection agency and now i m getting harassed for something i m not responsible! i called collection agency I.C.SYSTEM INC. ( XXXX ) ACCOUNT NO XXXX, EXPLAINING THEM THEY ALSO DONT WANT TO LISTEN INSTEAD THEY WANT ME TO MAKE PAYMENTS, I ASKED THEM WHY SHOULD I PAY FOR SOMETHING I DID NOT ASK FOR BUT STILL NO HELP JUST SAME ANWER SO AS A CUSTOMER I FEEL LIKE THERE IS NO ONE TO LISTEN TO MY STATEMENT BUT TRIES TO CHARGE ME FOR SOMETHING THAT WAS NOT ASKED OR REQUESTED FOR.THANKS LOOKING FORWARD FOR SOMEONE TO HELP ON THIS MATTER.APPRECIATE ANY HELP, XXXX XXXX
Complaint sub-issue: Attempted to/Collected exempt funds

Threatning a wage assignment. They have not even taken me to court or sued.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information.They wrote me back on XX/XX/2020 ( Confirmation # XXXX ) and said that the trade line was reporting accurately. I do not believe that they did a proper investigation in this matter.
Complaint sub-issue: Information belongs to someone else

I applied for a credit card and got denied. I saw items on here that I know nothing about. Can you please these accounts off my credit No name Acct # XXXX, XXXX XXXX, XXXX DEPTEDXXXX, XXXX  XXXX, US DEPT ED, USDOE/XXXX. I have contacted the FTC and local police.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called XXXX  the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant XXXX XXXX XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX XXXX waiting til XXXX  corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by XXXX
Complaint sub-issue: Personal information incorrect

Dear CRAs Mgr ; For the last few months, I been trying to remove some negative unknown, former, previous old addresses from my credit but your organization has failed to comply with my request. 

The only name, address, social security number, and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. 

This is a big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Delete!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX, MA XXXX DELETE!!!!
Complaint sub-issue: Account status incorrect

XXXX XXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX  XXXX the payment history and the date last active is inaccurate. 

XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.
Complaint sub-issue: Fee problem

During a period when i was in hospital and not well, i used my account to get food. Over this period US Bank charged me for 18 overdraft fees! or {$640.00}! I deposited cash to cover my debits ( for purchases ) and also paid 2 overdraft fees! 

Please see attached the download of my checking account to see the charges. This is unfair, reasonable and unjust.
Complaint sub-issue: Funds not handled or disbursed as instructed

1. Received ad from Citibank in XXXX to deposit {$15000.00} and get a {$500.00} Bonus after X months and subsequent time. It should have been deposited by XXXX at latest. 
2. XXXX opened the account at the XXXX  Branch of Citibank,XXXX  XXXX XXXX XXXX, XXXX , NV XXXX tele XXXX XXXX but don't bother calling as you can not get through ... you will spend your time going through prompts only to be switched to national customer service, which immediately says " We have problems with this system ... '' or something to that effect and hangs up on you. 
3. After opening, we began to get letters from Citi stating my wife needed a W-9 and W-8. After checking with our accountant, he determined although my wife is XXXX she has been a XXXX XXXX for over 20 years and a tax payer and need not submit a W-8 and instructed us how to complete the W-9. We did and sent it in. 
4. A few weeks later we got another letter from Citibank stating that document had issues ( not being clear on what those issues were I tried to get answers via phone ... that was hours wasted, but each time I called they ended it with " Just send in the form or go to the nearest branch and you'll get your {$500.00} bonus ''. Great ... .I can't go to a branch as i have severe respiratory issues and can't risk Covid. We sent a new w-9.

5. Got another refusal of her W.9. Then shortly an email saying that we hadn't given them the info in a timely manner during the course of the bonus so it's not going to happen.

6. As we'd done everything we could do and Citi was at fault as they couldn't give clear direction on what the issues were, we finally had my wife go to the branch but only after I sent a letter to the manager XXXX XXXX ( I may not have that right but close ). 
7. We also sent another W-9 in to the Citi IT branch as instructed. 
8. Although we had sent in yet a new W-9 it was returned as being " Altered ''.!! How? I took it from the web and filled it out. There could be no alteration. I was feeling a bit lied to and seemed maybe we were part of a Citibank program to raise money but not follow through on their end. 
9. XXXX XXXX although he was able to clarify the papers, has only depositied a $ XXXX not {$500.00} bonus. Since then I've sent him 2 letters which he's ignored or has not gotten to him. 
10. We simply want the other {$100.00} we are due. Yet with their customer service and now being ignored by a manager, we're unable to do anything. Please help us. Thanks. It's not big money but it's the principle and they owe us.
Complaint sub-issue: Attempted to collect wrong amount

A purchase an RV from SST and after a month of having the unit my husband had XXXX XXXX. I call them Immediately and told them I would like to volunteer surrender the unit. It took them 5 months to finally pick the unit Up. They sold the unit at an auction and then I had a remaining balance they wrote it off and turned it over to a collection agency I called the collection agency to try to set some kind of small payment To pay them. They would not accept any payment from Me. They said I would have to pay the whole balance which was {$15000.00}. I am on XXXX and do not have {$15000.00} in my account in they refused to take Any kind of payment from me. So now they report every month my payment is Late and add interest to it. Could you please help?
Complaint sub-issue: Right to dispute notice not received

Allied Interstate is reporting a {$370.00} XXXX bill with all XXXX credit bureaus. I called XXXX on XXXX/XXXX/15 and spoke with XXXX at XXXX CST. He advised that XXXX does not have validation to send me & that I would have to contact XXXX for that. I spoke with XXXX at XXXX & he stated that I do n't have an outstanding account or balance with them. I 'm curious as to how this debt is validated as mine. Furthermore, I have never received a notification via phone or mail of them attempting to collect a debt from me. I also was not given a chance to dispute this debt. They have made no attempt whatsoever to try and contact me. this is in direct violation of the FCRA. No collection company should be able to take it upon themselves to just report on a consumers credit report. I want this debt validated that it belongs to me or deleted from all XXXX of my credit reports. I am also filing a complaint with the States Attorney 's office regarding this issue.
Complaint sub-issue: Fees charged for closing account

I called PNC Bank and spoke with XXXX XXXX ( XXXX ), and I asked for her supervisor several times during the conversation. She said that she needed additional information from me. After displaying her carefree attitude, I told her that I would like to speak to a supervisor to address my concerns. I initially asked to fax in a copy of my Power Attorney for my son ( XXXX XXXX ). I explained to her that I wanted to pay the fees on his account because the account was closed, and he had a severe XXXX XXXX XXXX. She was very dismissive. She said her supervisor was in a meeting. No other supervisor was avaialbe. I even asked to speak to her Supervisor, Supervisor and she told me that they were not available. 

I have a doctor 's appointment today at XXXX, but as soon as I get a chance, I will close my account and take all of my money out of their bank.
Complaint sub-issue: Investigation took more than 30 days

I mailed in credit investigation requests on XX/XX/XXXX. I was supposed to receive something back within 30 days, but so far, I haven't received anything.
Complaint sub-issue: Reporting company used your report improperly

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with XXXX.
Complaint sub-issue: Debt is not yours

I had requested from XXXX XXXX to provide me with legal validation on the alleged claim that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX. I made this request in writing sent via certified mail return receipt to XXXX XXXX after discovering them on my credit report to this date I have received no response from the company and have never received a bill or statement my discovery of this company was on my credit report. XXXX  states they have verified the debt I had request from XXXX the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed the account to which I have no account number for only a dollar amount of XXXX opened XX/XX/2018 with all three of the CRA XXXX and XXXX have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX credit file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

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  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 consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a bankruptcy on my report that equifax did not verify with the court and its not mine, they are using infirmation from a 3rd party credit reporting agency who im also disputing it with, because they did not verify using my 9 digit social nor did they verify with the court. Equifax removed this bankruptcy then readded it to my report.
Complaint sub-issue: Information belongs to someone else

Hello, I have never lived at XXXX XXXX XXXX XXXX, NY XXXX I have made several attempts to getting this resolved. 

There has been credit cards issued to this address under my name which is fraudulent. 

In XXXX of 2017, there have been charges in the amount of {$2600.00} for XXXX XXXX which doesnt belong to me. 

This address and card is fraudulent and it is affecting me personally. 

Thank you for your help.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX, 2017 Equifax received notice ( see attached certified mail/return receipt ) for document copies from their files regarding inaccurate items in my credit files ; pursuant to FCRA, 15 U.S.C. Subsection 168 1g. It has now been more than 90 days. Not all items have been removed pursuant to the law nor have I received any supporting documentation.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Information belongs to someone else

I recently discovered that a collection I paid was not mines. I will be suing the collection company to recover my funds However, I attempted previously to have item removed by Equifax and received a letter from stating the account was verified as accurate. I request written verification or removed accordingly. Again, I sent Equifax a letter which they received XX/XX/XXXX via certified. I ask them to remove the unverified collection account or to provide written verification documentation. I knew they would not be able to provide proof because the debt was not mine. I also reached out to XXXX and they recognizes this and removed the collection immediately. I have not received written verification because it does not exist and the collection continues to be reported. 

XXXX has also failed to provide WRITTEN VERIFICATION, not false certification by XXXX, but by a signed agreement or legal document with my signature or voice authorizing the amount they claim is past due in collection.
Complaint sub-issue: Account information incorrect

I set up deferments and was told my payment will be pushed to end of loan term that I will not have late remarks or fees
Complaint sub-issue: Their investigation did not fix an error on your report

I have, in all respectful ways, requested that these two accounts be reviewed ; and that all signed and binding contracts between XXXX and myself be put forward and produced and put in full exhibit before these credit reporting agencies to report truthfully and rightfully. 

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX XXXX  Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.