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

This complaint is being filed under the Fair Debt Collection Practices Act. XXXX responded to my complaint and stated that they had filled a lawsuits against me which i had no ideas that I owned them anything or had received any letter from them. It is an Unlawfully lawsuit that XXXX had filled against me without notification and/or justification on or about XX/XX/XXXX. The debt that this debt collector is trying to collect is a Fraudulent account in the amount of { {$830.00} } opened per my credit report on or about XX/XX/XXXX. This is not my debt it is Fraudulent account. XXXX has never made contact with me of any kind with regard to this debt. XXXX placed this debt on my consumer report and fingerhurt also place this debt on my consumer report. Its seems like both companies are trying to collect the debt. XXXX has continued to harass me in trying to collect on this debt by continuously placing the debt on my consumer reports without any contact or notification with me, and now without notification and/or justification has filed a lawsuit. XXXX is causing me my health. now I have no place to stay and no where is willing to rent me a place and with this account on my consumer reports, I can't get approved for anything. please removed this account from my consumer reports so my life to get back to normal.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as XXXX. I immediately called XXXX XXXX  advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted XXXX XXXX  to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called XXXX XXXX again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX XXXX Police Department. 

I am highly upset about this whole situation because XXXX XXXX  have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I try to call four times their answer machine keeps hang up on me AndI try to email them twice. 
XXXX + XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, AMERICOLLECT INC XXXX XXXX XXXX XXXX XXXX XXXX have 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 also states, '' a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Personal information incorrect

I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Debt is not yours

I have tried reaching out to the company and I have not received any response. XXXX requesting a removal of item This not my account and by the way this is me XXXX XXXX so please dont sent me any proganda in the mail as a stall tactic respectfully
Complaint sub-issue: Account status incorrect

I have reporting on all ( 3 ) credit bureaus that my Lending Club loan account and XXXX XXXX XXXX XXXX car loan accounts are showing as " closed accounts '' and not as " paid in full '' which is lowering my credit score. I'm asking that this is corrected on all ( 3 ) bureaus.
Complaint sub-issue: Debt was paid

In 2014, I returned the equipment from XXXX XXXX XXXX using the pre-paid label through XXXX. I took the package to the XXXX store and drop it off. The representative at the store said I was all set and I left the building. I thought the matter was resolved after that. I have made multiple calls to XXXX XXXX XXXX at the beginning when they continued sending the bill for a balance I did not owe because of equipment. I told them that the equipment had been drop at the XXXX store. Then the account was sent to IC System collections, where I have spoke to different representatives and filed disputes.
Complaint sub-issue: Information belongs to someone else

AMERICOLLECT INC Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX 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 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the federal credit act 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( which is showing a few account ) Dept Of Ed / XXXX ( Which is showing multiple account ) XXXX  ( which is showing multiple accounts ) U S Depatment of ED ( which is showing a few accounts )
Complaint sub-issue: Reporting company used your report improperly

They mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, I received an e-mail from XXXX  customer support that my XXXX account was accessed without authorization. Someone had made a purchase of an item and I was charged for it. XXXX secured my account, and I saw the purchase transaction on my Discover Card, which was completed via XXXX. 

I called Discover Card and notified them of this fraudulent charge on XX/XX/XXXX, and filed a complaint on-line with the message from XXXX as proof of my claim. On XX/XX/XXXX Discover Card reversed its decision to credit my account and kept the charge on my card, saying they have proof from the merchant that I indeed did make this purchase and was sent to my home address. 

I contacted my attorney 's office about my situation, and on XX/XX/XXXX they sent a letter on my behalf to Discover Card regarding this fraudulent charge. On XX/XX/XXXX Discover again refused to credit my account, saying there is still insufficient information to overturn their initial decision and continue with the dispute. I have several attachments showing the various correspondences between myself, Discover Card, and my attorney 's office.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Investigation took more than 30 days

The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my XXXX, Equifax and XXXX credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate removal they also violated my rights under 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 an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Information is not mine

Equifax is not responding to my request to investigate and remove accounts from my credit report that do not belong to me.
Complaint sub-issue: Problem accessing account

About complaint XXXX. I never made the payment I say and the payment is unauthorized and here is my cash app dispute chat number is XXXX and y'all read the wrong chat history didn't read the right chat and y'all also closed my account for no reason when I kept complainting to y'all about my dispute and I also want my account to be reopen and my dispute filled and also credit my money back to my cash app account here is my dispute information again 1. What is your legal name, $ XXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX $ XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX $ XXXX  {$28.00} 3. Why do you believe the transactions were unauthorized? This is the three time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know and changed my pin but I changed the pin.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to XXXX XXXX via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax has put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that Equifax rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by Equifax and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I stayed at the XXXX XXXX in XXXX on XX/XX/XXXX. On my XXXX Citi-Corp credit card statement I was charges {$500.00} from the hotel. I contacted accounting at the hotel on XX/XX/XXXX and asked abut the charge. They said I broke the television. I did not even turn on the TV. I was attending a school board conference all day into the evening and early the next day. I asked what was broken and how much it cost and who reported it. The XXXX XXXX declined giving me any information, saying that information was is confidential. On XX/XX/XXXX, Citi said it was probably damages. They told me that the XXXX had the right to charge me because I had given them my card when I checked it. I asked them to contest the charge. On XX/XX/XXXX they sent me an unsigned form letter denying my claim, using the same verbage they gave on XX/XX/XXXX. 
FACTS I did not use the television XXXX is not showing any proof that it was broken or that I did it. 
Citi-Corp did nothing to help me.
Complaint sub-issue: Investigation took more than 30 days

I do not believe that an investigation was done because Equifax is still reporting a collection account for XXXX XXXX and I have not received anything validating this account. I have tried to get this updated months ago and have had no response. The balance that is reporting on my report is not the same amount that I have with the original creditor, so I am confused as to where they are getting this information. Equifax is also in violation of HIPAA because this is sensitive medical information. No other credit bureau is reporting this inaccurate account. Please delete this account from my report.
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.

And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Dept of EducationXXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, Dept of EducationXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, Dept of Education/ XXXX XXXX XXXX XXXX XXXX {$4300.00}, Dept of Education/ XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2800.00}, Dept of XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX Dept of Education/ XXXX XXXX XXXX XXXX /amount {$3000.00} Account name : Discover XXXX XXXXXXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX /amount {$720.00} =PAID OFF XXXX, XXXX, and XXXX have 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: Don't agree with fees charged

I received a letter saying that I had paid off my loans. Then a little time later I a call from a company ( western asset. management ) saying that I owed them {$18000.00} including interest for a student loan. I never received any paperwork from them, they said they have been sending it but it got returned, I have been at the same address for 30plus years so that 's a little odd I never got a bill, now they are garnishing my wages and I have no idea what to do to stop it ... ..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I started receiving alerts on my Equifax credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : 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/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 XXXXl XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Problem with personal statement of dispute

Equafax has claimed that there is no erroneous reporting. This is a false claim to the previous complaint to XXXX to report it to the CFPB when, in fact, the reporting is still erroneous contrary to their claim, see attached this is causing hardship, and this company will be liable for any irreparable damage caused to myself or my company.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX and XXXX XXXX conducted hard inquiries on XX/XX/2019.  Credit Plus made two hard inquiries: One on XX/XX/2019 and one on XX/XX/2019.  I was told they did two inquiries because the company had misspelled my name, which was not my fault.  It is my understanding that if hard inquiries are made within 30 days of each other, they are supposed to count as only one inquiry.  That did not happen with either XXXX XXXX, XXXX XXXX, or Credit Plus.
Complaint sub-issue: Frequent or repeated calls

I owe about {$2500.00} on a credit card with Citibank Simplicity MasterCard. I am in the process of working out an arrangement. 

Citibank uses a robo caller to call me every 2 hours up to 4-5 times per day. In addition, the robo caller leaves voicemail messages each time, thereby clogging my voicemail account and making it difficult for others to reach me. 

There is no reason for them to use an automatic dialer to leave 4-5 voicemails  each day, 7 days a week. This is nothing more than harassment.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute to Equifax and XXXX  on XX/XX/2020 and I still haven't heard back from any of them. It's been way over 30 days and I demand for the accounts listed on my dispute letter to be deleted.