Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX doctors in the amount of {$80.00} and it 's reporting on my Equifax credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law
Complaint sub-issue: Their investigation did not fix an error on your report

The following items mentioned below were totally incorrect or has inaccurate informationbeing stated. 
XXXX XXXX XXXX Balance : {$140.00} Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

( XXXX XXXX : ) XXXX Balance : {$92.00} This account, which you are reporting to be a collection, has nothing to with me. I have no idea about this account and your investigation was not done properly. You should have provided the original account name for this and have submitted any proof or documents to support your claims. However, you have failed to do both. Thus, this should be removed as soon as possible. 

FCTUALDATA Date of inquiry XX/XX/2020 Eliminate this inquiry, because I think the date might be wrong. Look into this information or I suggest you remove it from my credit file. 

1 XXXX Date of inquiry XXXX/XXXX/201 Provide definite proof claiming that this was an action made on my end. If you can't, totally erase it from my report.
Complaint sub-issue: Account status incorrect

I have sent a few letters, to be more specific since XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX explain and also sending prof that they are reporting inaccuracies like re-age account and also balances that are wrong but they keep ignoring me and have not sent me correct info. 
Also to be more specific on " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', XXXX  XXXX, XXXX XXXX ''. this accounts have re-age and show inaccurate info.
Complaint sub-issue: Debt was result of identity theft

The Credit Bureau is reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Received bad information about my loan

LOAN WAS REPORTED LATE ; NEVER RECEIVED BILLING AS THE COMPANY HAD AN OLD ADDRESS ON FILE.
Complaint sub-issue: Their investigation did not fix an error on your report

FIRST, I was an EQUIFAX Data Breach Victim. EQUIFAX has done ZERO to assist correcting disputed information on the public file under its control. 
NEXT, TWO FTC Reports was created for CREDIT CARD FRAUD, BANK & WIRE FRAUD, FAKE CASHIER CHECK SCHEME [ NATIONALLY reported, which financially destroyed debtor ] and said FTC legal Reports was submitted to the 3 credit bureaus ( which included & provided supporting information such as creditor names, acct numbers, disputed amounts, dates all submitted with SS card & ID ) and submitted to the creditors for verification. ONLY XXXX verified with creditors and DELETED the disputed the falsely reported credit file information. 
This COMPLAINT is being filed against EQUIFAX and XXXX ; due to their attempt to CHANGE, USURP, CIRCUMVENT, RE-WRITE, or DRAFT their own version of the LAWs under FCRA and under FDCPA ; where the LAW states the BURDEN OF PROOF is upon the 3 bureaus and the creditors ; not upon the debtor disputing the misinformation posted on the 3 bureaus ; INCORRECT information which was paid by the creditor to the 3 bureaus to publish. XXXX and EQUIFAX has, in BAD FAITH, requested DUPLICATE information already submitted under said FTC Report. This intentional acts of continued defamation has caused direct damages including lost employment, rejected employment, rejected insurance, rejected credit, and loss of business reputation as an OFFICER OF THE COURT. The PROPER solution is for EQUIFAX and XXXX to follow XXXX XXXX example by DELETING & REMOVING the DISPUTED credit files which are ERRONEOUS, FALSE, MISREPRESENTED, MISLEADING, FACTUALLY INCORRECT published information ; destroying a tax payers life, and destroying a public servant 's life. Again, the LAW, under SECTION 609, states the BURDEN OF PROOF IS NOT upon debtors, but upon CREDITORS and the THREE BUREAUS to properly publish that the information being reported is TOTALLY CORRECT and, if not, DELETED from the 3 Bureau 's public reports.
Complaint sub-issue: Information belongs to someone else

reporting public records opt out b/c of ID theft please remove from all records ASAP
Complaint sub-issue: Personal information incorrect

I 'm trying to update my current address with Equifax. After a 20 minute discussion with a representative that does not reside in the US they still have my address wrong. The reason they gave me was because my credit is frozen. However, they asked me very detailed questions to verify my ID, but would not update my address ( Which I 've been at for 2 years now ). They wanted me to fax my SS #, Drivers license, who uses a fax machine??? I just want them to update my address which should be easy after they have verified who I am.
Complaint sub-issue: Account status incorrect

PURSUANT TO 15USC1666B THERE IS NO SUCH THING AS A LATE PAYMENT!

PURSUANT TO 15USC1666D THE ALLEGED CREDITOR FAILED TO CREDIT MY CONSUMER ACCOUNT!

PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( A ( i ) SUBSECTION ( d ) CONSUMER REPORT SUBSECTION- ( 2 ) EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE -- -- - ( A ) subject to section 1681s-3 of this title, and -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; YOU ARE NOW WILLFULLY NON COMPLYING WITH THE LAW!

Pursuant to 15USC 1692g I have the right to request the method of verification on how the following accounts are being reported. 
Please send the following information used to verify the validity of 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 Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If you could not produce such docs within 15 days you should delete the accounts from my report to prevent further damage. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Complaint sub-issue: Can't use card to make purchases

I have just received a credit card through Citi Bank. The Custom Cash Card. And I used it once and immediately got locked out of the card and had to go through a verification process. After getting the card unlocked I used it again on a single purchase to wash my car then tried to use it at XXXX and it was again locked for suspicious activity. Called to try to unlock it and they have to send me a letter to verify suspicious activity again. I asked them if this was going to be and ongoing issue that every time I used the card once it was going to lock me out of the card and they hung up on me. I had to over draw my bank account to purchase the items I needed at XXXX. This is outrageous. I understand wanting to protect against suspicious activity. But not every time I use the card
Complaint sub-issue: Didn't receive services that were advertised

I signed up for Equifax 's XXXX XXXX XXXX on XX/XX/2017. This was after being told I was XXXX of XXXX XXXX people " possibly compromised '' by their so called data breach announced in XX/XX/2017. 
The service was offered free with the promise of a credit report copy, a credit lock on my personal credit report, and credit monitoring from the three major credit bureaus. 
After my registration, their site stated it would " take a few days '' for credit monitoring to begin from the other agencies. It has now been FIVE MONTHS. Their web site still states the same thing and you can not talk to a live person in this country about this issue. They use call centers outside the US and hide behind " no reply '' email accounts. 
I will NOT discuss private personal data with a non USA citizen in another country. 
I also signed up for XXXX 's XXXX XXXX credit monitoring in XX/XX/2017. This was because Equifax had not come through as promised. They too promised credit monitoring and the ability to put a lock on my credit report at my discretion. Immediately after signing up, I was told a lock could NOT be activated and told to call a customer service number which is a call center outside the US. Again, I will NOT discuss my info with non citizens outside this country. They were given all my info during the registration. I am unable to lock my credit reports from two agencies and starting to see signs of fraud and identity theft. I believe these two agencies are in this SCAM together.
Complaint sub-issue: Information belongs to someone else

XXXX Fraud Department : Remove fraudulent accounts from my credit report.
Complaint sub-issue: Can't close your account

I had numerous problems getting my funds transferred from Citibank in XXXX. I was told if i wanted to access the funds in my savings i had to open a checking account, which i did not want but did so just to be able to access my money. 

After the funds were finally transferred, I requested that all accounts be closed. One of the accounts ( checking ) was closed, the savings account was not closed, though I made multiple requests to have it closed both online and on the phone, I was told it would be closed.

I received a notification that the account was not closed, and additionally that i have been assessed multiple fees for low balances. I am now chatting with them and they tell me becuase i am an elite customer, i have to call xyz to get the account closed, and when you call that number no one answers. 

I really want the accounts closed like i asked, this is a complete scam.
Complaint sub-issue: Trouble with how payments are handled

I have a number of student loans and the worst company to deal with by far is FEDLOAN Servicing. I have tried since XX/XX/XXXX/XX/XX/XXXX to get my student loans on extended level payment. Over the course of this, we have talked to many agents concerning this. We have also gotten many different answers, one hand does n't know what the other hand is doing. We were first told that we did n't qualify, then we did. Finally after numerous attempts, we finally thought it was right. We received the documents today in email and they still do n't have it right. half are correct and the other half is not. This is by far the worst student loan company I have to deal with. This comapny sucks the life and time out of you, over and over. Ridiculous, I need to get this right and I am fed up with phone call after phone call, total waste of time and as far as I am concerned they are a SCAM. I am entitled to the repayment plan to reduce my payments over 25 years due to the fact of my low income. These people do n't seem to want to provide what entitlements we have as tax payers.
Complaint sub-issue: Didn't receive services that were advertised

A  Student Loan Company  claims that I am owing $  XXXX  for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.
Complaint sub-issue: Account information incorrect

In XXXX, XXXX XXXX XXXX sent me a letter stating they were raising their APR on existing balances for all open accounts and the only way to opt out was to close the card and pay off my remaining balance at the previous rate so I did after 8 yrs flawless history. At some point they changed to XXXX XXXX XXXX XXXX XXXX card and all XXXX broke loose. I didn't receive my XX/XX/XXXX statement so I called to notify them of missing bill and make a payment over the phone. The agent told me I'd have to pay extra for missing my due date but that if I paid right then, he'd credit the late fees on next statement and get me back to my usual min payments, so I did. They reported XX/XX/XXXX as paid to the credit unions, but sent me a new bill claiming I didn't and was now default on my APR agreement and would have to pay all late fees + 2 months payments at the new APR up front to keep my account. I disputed via phone and mail for a year, offering to get back on track if they fixed the error and pay off my balance. They stopped sending me bills, when I tried calling in XXXX to work it out again, they had an incorrect address and number for me in a different state I've never been to. I never received collections notices or responses to my letter campaign which went to every PO box provided, as well as corporate. 3 years later they FINALLY cancelled the debt with the IRS on XX/XX/XXXX, though I only got the notice recently. However, they continued to report a balance that never existed and past due amount to the credit unions past the cancellation date. XXXX  STILL reports this to lenders as a new negative item despite receiving a copy of the IRS doc. Both XXXX   and Equifax have allowed this false balance to reappear after deleting it and have failed to clean the payment and balance history adequately. On XX/XX/XXXX, I sent XXXX, Equifax and XXXX the IRS form proving the old debt cancellation date in XXXX. This debt was cancelled under code G : due to law or policy. XXXX didn't send my bill, process or report payment properly. THEY defaulted on our agreement. Not only was I never legit late on this account, but I've been disputing it for FIVE YEARS, had flawless credit for 17 years across the board that they singlehandedly destroyed, made unmanageable and created unnecessary financial chaos in my life I am still recovering from their false reporting, as well as XXXX and Equifax lack of thorough report cleaning even after legal proof was submitted. I haven't applied for credit in 10 years because of them, maintained the other cards I had perfectly and STILL am getting rejecting for credit over this. It's NOT NEW like XXXX  continues to report, there is no balance or past due. The dispute began in XXXX on an account closed in XXXX. It was cancelled with the IRS XX/XX/XXXX and the amount that's been reporting is pure fiction as the IRS form shows the amount when they stopped adding interest and cancelled it. There should be no history past that date anywhere on my reports regarding this account nor should the amount they were reporting ever been on them as it never existed.
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit and noticed a XXXX reporting. When I filed the bankruptcy my lawyer told me the courts don't report. I called the court to verify and they confirmed they do not report bankruptcy information because it is illegal to do so. I want to know how this company is able to report this information without my permission
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  Account Account # XXXX, has violated my rights XXXX  XXXX Account # XXXX, has violated my rights XXXX  Account Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 item 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 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: Can't use card to make purchases

Im trying to use my pnc prepaid card for this site and its not working
Complaint sub-issue: Can't get other flexible options for repaying your loan

Was encouraged by loan servicer, Nelnet, to enter into a spousal consolidation loan in XXXX. In XXXX the PSLF program was created, and while I have worked for a qualifying employer for the past 17 years, my loans are not eligible for PSLF because my ex-spouse does not qualify and there is no mechanism to de-consolidate our joint loans into direct loans that would allow me to qualify for the program. I have spent years getting inaccurate and inconsistent information about my eligibility and how to access the program. I have now paid significantly more than my original loan balance and can not get any of what should be qualifying payments applied to PSLF.
Complaint sub-issue: Account information incorrect

I have been disputing XXXX, Equifax and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. XXXX 's website to dispute you can not even download dispute because it always says error messages. I have had several health  issues and XXXX XXXX XXXX  because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.
Complaint sub-issue: Debt is not yours

Ive asked on several occasions to receive verifiable proof that this debt belongs to me with my original signature with this company based on fair practices according to the FCRA. They have not sent me any verifiable proof but have damaged my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a hard credit enquiry from XXXX XXXX. This enquiry occurred on XX/XX/2020. I called XXXX XXXX to find out who made the enquiry ; they have no record of the hard inquiry.
Complaint sub-issue: Information belongs to someone else

I have an inquiry that is fraudulent someone else did it and I tried removing it from the credit bureau and they wont do it. The inquiry is XXXX  code services. XXXX. The address is XXXX XXXX XXXX  XXXX XXXXXXXX, NY ZIP Code, XXXX. The telephone number is XXXX. 
The inquiry was on XX/XX/XXXX, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 2. XXXX  - AUTO FINANCE & XX/XX/XXXX 3.  XXXX  - AUTO FINANCE & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX  XXXX  XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be  liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Complaint sub-issue: Public record

I filed a chapter XXXX in 2006, Equifax reported this as XXXX separate bankruptcies and it is still on record. XXXX failure was reporting it XXXX, reducing my score substantially. Second failure, this is outdated and should be removed. It is not a chapter XXXX which stays on for XXXX years, it is a chapter XXXX which should be removed after XXXX and has been by the other agencies. I have disputed this several times however it is not getting resolved, most recenetly this month. In addition, the information I recieved says that a bankruptcy was added to my report. I have to pull my report but that means that either they changed the date or now I have XXXX? This is getting rediculous.
Complaint sub-issue: Was not notified of investigation status or results

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DBA XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA USDAFSA XXXX XXXX. 
XXXX XXXX XXXX