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

How can this be re-inserted without proper notification? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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. 
Municipal 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 XXXXXXXX, 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: Their investigation did not fix an error on your report

XXXX XXXXXXXX XXXX  ( credit card ) XXXX XXXX XXXX ATTN CUSTOMER SUPPORT XXXX XXXX, CA XXXX USA The above credit card company has me listed as a joint account holder of an account that I have not authorized myself to be on. I have tried for over a year to be removed. I have tried contacting the above company to no avail. You have to have a credit card number to access their system. I DO NOT, nor have I ever been issued or asked for a credit credit card from this merchant. I am looking for a way for them to compensate me for falsely reporting reporting on my credit report period. I have tirelessly disputed with the credit bureaus as well to the point they are denying my request to dispute this debtor. Thats why I have turned to you. The bureaus ( XXXX XXXX, XXXX, equifax ) will have a paper trail of my disputes. Please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Complaint sub-issue: Personal information incorrect

These addresses are undeliverable to me by the XXXX postal service and needs to be deleted from my credit file immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Incorrect Address : XXXX XXXX XXXX XXXX  XXXX, SC XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC Incorrect Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX On ( XX/XX/XXXX, and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Please delete these accounts. 

Please see my reasons for dispute below : I have disputed this account on ( XX/XX/XXXX, and XX/XX/XXXX ) Section 605B states that if this account is the result of identity theft and have submitted the police report I filed, this account it should not be on my credit report, and I need you to remove it immediately. 
I also believe this is reporting inaccurately, please verify this information is correct. 

Please see my reasons for dispute below : 1. Collection Account : XXXX XXXX Account # XXXX Each credit bureau is reporting different information regarding this account. XXXX is stating the and Equifax is stating the date of last activity is XX/XX/XXXX and XXXX is stating the date of last activity is XX/XX/XXXX. Please delete this account from my credit report due to inaccurate information. 

2. Collection Account : XXXX XXXX XXXX Account # XXXX Please investigate if every piece of information is correct related to this account. If not, please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.
Complaint sub-issue: Information belongs to someone else

I asked XXXX, XXXX and Equifax to remove the inaccurate information which is XXXX and XXXX XXXX and they refuse to remove it.
Complaint sub-issue: Their investigation did not fix an error on your report

I lost my job during Covid 19 XXXX of 2020, XXXX XXXX had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!
Complaint sub-issue: Account status incorrect

To update the damages to my credit, no matter not asking for credit, the free credit report from XXXX XXXX provided by Discover Bank is already showing XXXX point less, a missed payment and a false recent delinquency, which is no other than the loan from XXXXXXXX XXXX XXXX XXXX XXXX. also known as XXXX 
I want to thank Discover Bank Chat Representative XXXX, and her supervisor named XXXX as the included chat transcript shows, both were great and tried to do all they could, but because of the unfair consequences to my credit report, is better to send this through the C.F.P.B. than directly by fax to Discover, now that there is a Lawsuit filed on my part. 
This is not to complain against Discover, but to show to XXXX XXXX, that if ask Discover for a simple credit card limit increase, this fraud authorized by XXXX  manager XXXX XXXX XXXX will make any Discover Bank automatic revision process for this purpose null, because it shows a delinquency and a missed payment, no matter, is false. 
No matter I request a credit line increase, or if it is Discover with an automatic periodic revision, it will be denied because this false delinquency is counted, as fatal cutoff criteria by any Bank or Credit Union, not allowing me to pay attention to current needs requiring credit, like now with this emergency repair for my XXXX  XXXX XXXX owned since new, even XXXX require repairs no matter this is the original factory installed XXXX  that is going to be replaced after close to 18 years of use since new and more than XXXX miles. The most reliable car, maybe it is, is the one I have in the middle of all this, and is used for my job as XXXX XXXX at XXXXXXXX XXXX, an XXXX XXXX.
Complaint sub-issue: Received bad information about your loan

After reading about the XXXX recount program in XXXX or XX/XX/XXXX, I called my privately serviced FFEL loan servicer, Nelnet, to ask if I needed to consolidate it back into a federal loan in order to qualify for the recount. The person I spoke to assured me that I did not have to do anything and would still qualify for the recount. So, I didn't do anything and kept making payments because private FFEL loans don't qualify for the payment pause, etc. As a result, I've made at least 5 payments I didn't have to make, while accruing interest. 

As more information on the program has become widely available, I realized Nelnet had lied to me and that I did need to consolidate. I've now submitted the application to do so and learned that my payments went into automatic administrative forbearance and that the newly consolidated loan will qualify for the payment pause, etc. I am concerned that, because the new loan won't originate until early XX/XX/XXXX, I am going to miss out on the recount. 

This is unacceptable. Please hold them accountable!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE
Complaint sub-issue: Information belongs to someone else

Ecmc has reported a 2013 collection that doesn't belong to me and has not been validated
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Account status incorrect

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy Reference Number XXXX
Complaint sub-issue: Reporting company used your report improperly

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE AN INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.
Complaint sub-issue: Problem with personal statement of dispute

Hello, I originally submitted a CFPB complaint on XX/XX/2019 relating to an account with XXXX XXXX XXXX, a company that I am not familiar with, after I reported this issue to an Equifax rep. during a phone conversation. Equifax initiated an investigation that same day ( XX/XX/2019 ) and the report was completed on XX/XX/2019. An updated credit report/results were mailed to me and the report states " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. '' Equifax did not provide any evidence of additional documents for me to review from them nor this company to confirm this statement. The only information that I have from XXXX is a detailed itemized medical bill for XXXX XXXX XXXX, a XXXX-year old male whom I have no relationship nor knowledge of. This bill is extremely detailed and contains his personal protected health information. 

I have already disputed erroneous account with XXXX, XXXX  and also Equifax however Equifax is the only agency that has not removed this account or truly investigated this company 's deceptive practices.
Complaint sub-issue: Information belongs to someone else

This identity theft issue has affected my ability to obtain any credit to financially take care of myself and my family.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I have received 7 letters by mail from TRS Recovery Service LLC. saying I owe money for a transaction with XXXX. I pay for all my transactions with XXXX by bank debit card. 

All these letters say the same thing, that I wrote a check to pay and check was returned, and that my bank account was closed. They are asking for {$47.00} plus a returned check fee of {$25.00}, that total comes up to {$72.00}. 

It has been years since I wrote a check and my bank account has never been closed.
Complaint sub-issue: Information belongs to someone else

XX/XX/2017 a " hard inquiry '' was reported on my credit report from XXXX XXXX. I have never been affiliated with XXXX XXXX. I have never been a member of them, have never even stepped for in their facilities, nor have I ever even gone onto a XXXX XXXX Website. I think I have been involved in identity fraud in this situation. 
This is the first course of action I have made against XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

The Federal Student loan shows multiple loan accounts for the same amount and duplicates on all of my credit bureaus accounts. The accounts are showing paid as agreed but there are at least XXXX repeat accounts. This reflects my reports and cause a negative score because it make it appears I have a high amount of accounts on it.
Complaint sub-issue: Their investigation did not fix an error on your report

To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response Equifax has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.
Complaint sub-issue: Was not notified of investigation status or results

I sent a 3 requests to Equifax, XXXX and XXXX  on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. This is a major violation of my rights. This is not right. They are not responding or honoring my request. I decided to send certified and still, no response. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. I shouldn't have to continue to have a negative mark on my record because they couldn't verify any of my accounts. Not responding was only giving creditors over 8 months. This is ridiculous!
Complaint sub-issue: Information belongs to someone else

I recognized your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. Please this time remove the items that are inaccurate on my report. 
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 Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00}
Complaint sub-issue: Account status

After XXXX Bank/XXXX, their attorney XXXX and XXXX Court Dispositions in my favor clearly : 1. acknowledge the account is the same as is listed on my file 2. linked them, the account, the court case and amount as the same entry listed on my credit profile. 
3. received documents prooving all of this SEVERAL times, on several occassions b fax, direct upload and certified mail ... 
Both XXXX and Equifax STILL HAVE NOT REMOVED THIS FROM MY CREDIT FILE AS A NEGATIVE CHARGE OFF. WHAT MORE DO THEY NEED? EQUIFAX has not even updated my address as requested, as is obviously noted by all parties and in the court documents. They have claimed to investigate and reinvestigate and received verification from XXXX when the attach say different.
Complaint sub-issue: Reporting company used your report improperly

Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA. 
They are in violation of several codes of the fcra the law states that no XXXX company public or private have the right to report or fraudulent claims or information reporting to a consumer report damaging the reputation of a consumer report unless a written consent was obtained Defamation of character to my reputation and life.
Complaint sub-issue: Received bad information about your loan

I am enrolled in the public service loan forgiveness program. In order to do this, I consolidated my loans into the federal direct loan program in the fall of XXXX and have been certifying my employment as a social worker along the way. My letter stating my date of eligibility for loan forgiveness has a portion of them eligible XX/XX/XXXX, but then has another portion of them due for forgiveness in XXXX. This does not make sense as the loans were all consolidated at the same time. I informed my loan servicer ( myfedloan ) over a month ago and they sent it to the Department of Education for manual review, however, there is no response yet and no clear time frame of when there will be a response. Please note that this issue seems to be with getting a response from the Dept of Education and not the loan servicer themselves - the options from the first screen do not quite capture the issue.
Complaint sub-issue: Didn't receive notice of right to dispute

We switched phone companies, and after switching we paid off what I thought was everything. There was still a balance left on the account and then I got a collection. I moved so I was not receiving anything in the mail from them.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Account status incorrect

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For Equifax - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. You must delete any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX  XXXX Balance : {$63.00} XXXX  XXXX Balance : {$93.00}