Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. 
The companies in question for the alleged debt are as follows : 1 ) XXXX XXXX XXXX XXXX  ( XXXX XXXX ) 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  ( Reinserted into XXXX  )
Complaint sub-issue: Threatened or suggested your credit would be damaged

For many, many months I have reported that this debt is 1. ex husband 's and 2. I paid it. No matter what I provide as proof they continue to bother me and report me to the bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Complaint sub-issue: Trouble with how payments are handled

Sallie Mae did not send my XXXX statement. They sent a letter stating that i paid {$3900.00} and {$11000.00} in eligible interest but the letter was to my co-signer and it says that the borrower has to obtain a copy of the XXXX but I the borrower was not able to log in to the website to print it because i am no longer a customer and she stated that i did not pay any interest off and that the loan was simply paid off.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This company was reported on my credit report on XX/XX/2022 for the amount of XXXX
Complaint sub-issue: Report improperly shared by CRC

MAIN PROBLEM WITH EQUIFAX IS REPORTING ACCOUNT ON DISPUTE WHEN IT HAS BEEN PAID AND SHOWS BALANCE DUE AND PAST DUE AMOUNT WHEN THAT 'S INCORRECT SINCE THEY HAVE BEEN PAID. On XXXX XXXX, 2016, I had contacted Equifax at XXXX and spoke with " XXXX '' at Customer Service, regarding disputes that appeared in my credit report. I requested to remove all comments due to my application for a mortgage loan. She informed me that this would take XXXX48 hours to be removed. This phone call was recorded by Equifax, as I was informed by XXXX. On XXXX XXXX, 2016, XXXX ( the Company used by my mortgage processing company ), informed me THAT THE COMMENTS/DISPUTES THE DISPUTES ARE STILL SHOWING ON MY CREDIT REPORT. That same XXXX XXXX, 2016, at XXXX XXXX, I contacted Equifax -again -- regarding this matter, and was told by the Customer Service Representative, XXXX ( told me was her name ) that are were nNO DISPUTES.COMMENTS SHOWING. However, this is not true ( included is a copy of the report ). As established by the Fair Credit Reporting Act ( FCRA ), my rights have been violated by Equifax in their reporting practice. This irresponsible manner to conduct the business of such a powerful Organization ( let 's remember that what the Credit Bureaus report dictate whether or not a person gets approved for a mortgage loan ), can cost me the opportunity of buying a house ; a house that I have been looking for months and that now due to this matter I might loose. Therefore, I respectfully want to submit a complaint regarding Equifax irresponsible credit reporting and violation of the FCRA. 
XXXX XXXX XXXX
Complaint sub-issue: Collected or attempted to collect exempt funds

from the VAs to 2016 Discover transferred from my accounts with them a total of ( According to their records ) {$14000.00} to one or more of their fake accounts that the federal courts ordered them to stop doing!! That is the amount that keeps going up that they are NOW reporting to the IRS on form XXXX! They also took over {$20000.00} from my other credit cards! Also they took me to local court and I proved that they illegally took the money and put it into one of their fake accounts! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXt Even a small amount of experience dealing with collection agencies teaches most people that defending a lawsuit from a collection agency isn't exactly rocket science and usually goes something like this : 1. You recieve a summons from the collector.

2. You respond to the summons and show up in court. You demand proof that you owe the debt.

3. The collection agency requests time to come up with proof.

4. The collection agency can not find proof. The judge dismisses the lawsuit. Game over. XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is my second complaint is regarding Credit Plus and XXXX. They placed two unauthorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 they have removed the inquiry on my XXXX report but not the other inquiry on my XXXX credit report date XX/XX/2019. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have wrote to The collection agencies XXXX and Equifax to remove this from my credit report and it has not been removed. This bankruptcy has been on my credit report since XX/XX/2012. This bankruptcy has reached a statute of limitations for Georgia which is seven years. I would like for it to be removed from my credit report.
Complaint sub-issue: Account information incorrect

For almost two years I have made payments on time to XXXX XXXX XXXX for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to XXXX in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified XXXX that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. XXXX received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.
Complaint sub-issue: Right to dispute notice not received

A company called " XXXX '' attempted to take {$200.00} out of my checking account. In addition they attempted to take {$25.00}. These attempts were made simultaneously. Two weeks later I started receiving calls from XXXX XXXX XXXX XXXX at my job and the caller claimed that they were attempting to collect a debt. I immediately asked for the details in writing and they stated that they had sent a letter. They had not. Each time they called I requested the details in writing. They claimed they sent it. I never received it. I stated, " if that is the case, FAX me a copy of the one you sent. '' They refused. I told them if they could not send it in writing, that I did not believe they were a collection agency but a scam. I asked them to stop calling me. They continued to call me every day for weeks. On XXXX/XXXX/15, nearly two months later, I received a letter from XXXX XXXX XXXX, a unregistered collection agency claiming I owed a company called CrossCheck, Inc. the {$200.00}. I have never done business with CrossCheck, Inc. XXXX Louisiana Revised XXXX XXXX requires collection agencies to be registered. ) I have sent them a dispute letter since receiving their letter. ( I can prove the calls via cell phone records. )
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was a victim of credit card fraud where several charges were made on my account shortly after receiving a Citi bank custom cash card. From XX/XX/XXXX to XXXX. I contacted citi bank on XXXX yet still fraudulently transactions continued on my account I called citi bank fraud department immediately the following day to report the fraudulently transactions. They told me that the charges were marked as fraud and would be removed from my next billing statement. Citi bank issued me a new card yet the charges still appear on my account. So I called the citi bank fraud department again and got the exact response saying the fraudulently transactions are marked as fraud and are under investigation. This was in XXXX. I've repeatedly called Citi bank once a month 4 times in the past four billing cycles and they have given me the same response explaining that the charges are marked as fraud and under investigation. They have continously given me the run around and citi bank has not resolved the fraud case. I no longer have trust in using Citi credit accounts or banking with them in the future unless this issue is resolved. I would like to have the consumer financial protection bureau help assist in getting this fraudulently transactions removed from my credit card account.
Complaint sub-issue: Account information incorrect

XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/XXXX and I am yet to get a response Regarding this debt from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX of 2021, I filed a dispute with this credit bureau about unverified Collection XXXX XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I federally protected consumer sent AMERICOLLECT Inc a cease and desist letter that they received XX/XX/2020 demanding that AMERICOLLECT INC cease communication through all mediums of communication. AMERICOLLECT has called me a total of 19 times after receiving my cease and desist letter. I spoke with a manager at AMERICOLLECT named XXXX XXXX ID XXXX and she acknowledge the company receiving the letter and the repeated phone calls to me. This is a violation of 15 USC 1692c ( c ). This phone calls after the cease and desist letter is a abusive debt collection practice and the pattern of phone calls indicates harassment. This is also a violation of 15 USC 1692d ( 5 ). AMERICOLLECT has removed their tradeline from my consumer reports Deletion is admission to violations of the law. AMERICOLLECT has never received direct consent from me to communicate with me on this allege debt. AMERICOLLECT also received my debt validation letter XX/XX/2020 and did not provide any of the documentation according to the law or what was requested. 

PLEASE REVIEW MY AFFIDAVIT OF TRUTH FOR MORE DETAILS ON AMERICOLLECT ACTION THAT WERE VIOLATIONS OF THE LAW. 

My complaint, demands and documentation is clear and concise. The debt collect has permission to respond via the cfpb website. As a cfpb agent, I expect that the cfpb will hold AMERICOLLECT INC to the highest standard of the law. The cfpb is in place to protect the consumer and uphold the law against abusive debt collection. Please do not allow AMERICOLLECT INC to reply with just anything and close the complaint. AMERICOLLECT INC has clearly, willfully, and knowing violated the law
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair credit reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C Section 602A, states I have the right to privacy.

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

As a consumer I have the right to file a dispute regarding accounts that I know is fraudulent. Also, the bureau should respond to me when they received my letters. It has been more than 30 days, but I did not receive anything from them. I also did not see any results.
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : have made. It is the result of identity theft. 
XXXX XXXX XXXX OPEN XXXX {$2400.00} XXXX XXXX XXXX OPEN XXXX {$4300.00} XXXX XXXX OPEN XXXX {$260.00} XXXX XXXX OPEN XXXX {$660.00} XXXX XXXX OPENS XXXX {$1000.00} XXXX XXXX XXXX OPEN XXXX {$1000.00} XXXX XXXX OPEN XXXX {$1300.00}
Complaint sub-issue: Debt is not yours

I have a medical bill from XXXX XXXX XXXX here in XXXX, Oregon. The bill was only {$450.00}. I accumulated the bill due to I had been put into the hospital after a ex-husband became XXXX XXXX with me. He was XXXX and put into XXXX for XXXX. Long story short. I was not working at the time and going through a divorce. A non-profit battered women group helped me file divorce papers and achieve a restraining order against the ex-husband. My medical bill unfortunately was sent to a collections agency here in XXXX, Oregon. They contacted me and I started making making payments to them for the bill in person. I started receiving repeated phone calls from them daily. They left many voice messages on my phone for my ex-husband and his debt. I started receiving my ex-husband 's bills that were being turned into the same collection agency at my home address from XXXX XXXX here in XXXX, Oregon that he owed money to.I called the debt collection company ( Ray Klein Inc. ) multiple times and told the receptionist in person and through voice messages that I do not appreciate being harassed regarding my ex-husbands debt. I told them repeatedly to stop calling me and sending me his bills. I felt that I would never get over the nightmare that he caused me because now I was being haunted by a debt collector leaving messages on my phone regarding him and sending me his bills. What eventually happened was they quite contacting me regarding my debt that I was paying on. I told them repeatedly that my ex-husband was not living at my address and told them of what he did to me. No response. Now, my debt has incurred a {$100.00} in finance charges from the debt collection agency. They never sent me any other letters after the time that I contacted them regarding my ex-husbands debt. I am now being referred to an attorney for the debt.The debt collection has now been filed with the courts. A lawyer has been contacted and is now pursuing collection from me.
Complaint sub-issue: Account information incorrect

Most recent attempt to get erroneous information not accurate removed from my credit report. Equifax continue to list items as verified when the accounts are not verified cease and desist from these negligent and harmful actions to my credit were submit to dispute this false information. They continue to list when other bureaus have since removed this account due to unvalidate fraudulent reports for collections accounts. 

XXXXXXXX XXXX continue to supply inaccurate addresses and refuses online access on my file. I complete several form requesting online access and I am still refused access to file to have these inaccuracies removed. when applying for credit the actions are returning adverse due to inaccuracies in my lexis nexis file that they refusing me when my identity has been verified. Its been more than XXXX years since I have been provided access to my file.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I enrolled then 2 weeks in I decided to drop the classes I was taking and withdraw. I was told by XXXX University that since I didn't complete the course I was under no obligation to repay the loan. I also was lead to believe I was getting a federal grant that I would not have to repay. I stressed this to the financial aid office due to me being on XXXX and knowing I wouldn't be able to pay back any type of loan. I was told I wouldn't have to.
Complaint sub-issue: Reinserted previously deleted info

My XXXX XXXX Bankruptcy started in XX/XX/XXXX, Account no : XXXX and it was removed from my Equifax credit report in XXXX, XX/XX/XXXX. In XXXX, XX/XX/XXXX it was placed back on my credit report now showing a different name. IL FED Bk CT-East XXXX XXXX. Account number is still XXXX.
Complaint sub-issue: Account status incorrect

I had an account with XXXX XXXX in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. XXXX XXXX bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.
Complaint sub-issue: Information belongs to someone else

I have filed the proper FTC affidavit and police report. I sent a letter with both attached to it to XXXX XXXX. They apparently verified the information as accurate despite the clear evidence that I submitted. This is a huge violation of my rights. PLEASE HELP ME!
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. Equifax must remove any account 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 ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00}
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with XXXX that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, XXXX did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX XXXX. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

The account in question, XXXX is showing incorrect information on my report on 3 different credit reporting agencies. This information is negatively affecting my credit file due to the inaccurate information stated by the company.