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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9200.00} .Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Reporting company used your report improperly

Private information in my credit report has been released into the public realm from Equifax without my permission. I subsequently placed a freeze on my credit report, and was charged to do so by Equifax ( I was required to pay for the freeze with a credit card. ) I feel the freeze should have been placed with no charge since my data was compromised by their own admission.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a closed account with XXXX through Equifax over 6 times. Every time their representatives put in their own description of my dispute. First to verify if it was my account, another to verify if the account was in a bankruptcy, and once again they sent another dispute checking late payments! So the company supposedly keeps responding- YES IT'S HER ACCOUNT, YES PAYMENTS WERE LATE, NO NOT IN BANKRUPTCY therefore the account stays in my credit report. What I have told them time and time again is that they are reporting fraudulent information causing me to be denied for a VA Mortgage Loan. I have contacted the company several times, the managers do not care and are disgustingly rude at XXXX. They reported I have refinanced or renewed this account when this is not true. I have never refinanced anything or renewed anything with XXXX! They are purposely doing this to ruin my credit. Equifax states they are simply getting the information from the company, so when I asked what proof or paperwork they have they say they have nothing. It is all electronic, they have NO PROOF. I have given them all the proof they need and they can see on my credit report how the status has changed throughout the years and every time I dispute the status is worst than the last time. Now I have to wait another 30-45 days for the company to respond? This is unacceptable.
Complaint sub-issue: Information belongs to someone else

Good Day, my information is being used by someone to open and apply for things, now there are accounts on my credit profile that I do not recognize. These items affecting my ability credit and my basic ability to sustain and stabilize myself and my family. Please, remove these fraudulent items as I am a victim and my life and family are suffering. 


Open Accounts : XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$310.00} Credit Card XXXX Opened XXXX XX/XX/XXXX Balance : {$340.00} Secured Credit Card XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$100.00} Secured Credit Card Collections Accounts : XXXX XXXX XXXX XXXXXXXX Opened XXXX XX/XX/XXXX Balance : {$370.00} Original Creditor : XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I recently sent a dispute letter to XXXX Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a customer reporting Agency can not furnish a account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

This complaint is against Procollect Incorporated collection agency. On XX/XX/XXXX I paid in full an account I had with them for the amount of {$1600.00}. When I called to pay my balance I was under the impression that it would be removed from my credit and it never was. It is affecting my credit score to this day because it keeps updating on my monthly credit report. I called Procollect on XX/XX/XXXX spoke to someone that told me it was not coming off of my credit report because I had disputed it with the credit bureaus. So I called the credit bureaus and asked them to remove the dispute so Procollect can update it and remove it from the credit report. They told me that the dispute had already dropped off because it had been over 30 days and there was no resolution. When I called Procollect back to inform them the dispute was removed I spoke to a different lady than the first time. She was being very rude as soon as she answered the phone she already knew my name. I told her I spoke to someone a week before and she said, " I know you already spoke someone about this on XX/XX/XXXX so what can we do for you now '' I asked her if they can update their records and remove this account from my credit report since the dispute was removed and she said that they don't delete accounts. So I told her the person I spoke to before told me it would be done and she just kept insisting that they don't do that and could give me no explanation of why the other lady said they would. When I tired to get their names they told me that information was irrelevant and then they hung up on me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Factor Trust consumer center you state that you do not report to anyone but you also state that XXXX gets information from you I understand XXXX owns you but but XXXX is using your information you get from where ever that makes you a consumer credit reporting company { right } enclosed are documents that you provided to XXXX that you state you dont keep .I request that all information on myself be frozen at one, you state it can not be frozen we have a { right to privacy law } that was enacted this year FREEZE any information about me at once use the FCRA to contact me about this
Complaint sub-issue: Problem accessing account

I can not use pnc debit card with XXXX. Where ive invested all my money! Absolutely absurd I want my money!!!
Complaint sub-issue: Other problem getting your report or credit score

This complaint is a follow up to Complaint # XXXX. I am still unable to unfreeze my credit report. When I call Equifax, the automated system says the information they have for me is inaccurate ( meaning my name, dob, SSN , street address, etc ). Even though the system says the address I input is incorrect, I did receive a letter from them dated XX/XX/23 regarding my request concerning inaccurate information your Equifax credit file. I DID NOT make this complaint. My complaint is that I am unable to Unfreeze my credit report!!! I can not get a credit application reviewed & approved because my Equifax report is locked!!! 

I will contact an attorney if I can not get this corrected as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I notified the credit reporting agencies, letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one  of their stall tactics. The Collection account from "   XXXX    XXXX   XXXX  '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since  2010 . So my question is, how is a collection agency that is not licensed allowed to collect a debt. Equifax has violated my rights as a consumer, along with "  XXXX   XXXX   XXXX  ''
Complaint sub-issue: Debt was paid

Company involved has continued to change amounts owed / made this process extremely confusing as to how to get this COMPLETELY removed OR caught back up / late payments removed. 

Please help with this process, I've yet to get help through the company. If they could fix this on their app so that I could catch this account up I would be grateful.
Complaint sub-issue: Information belongs to someone else

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$240.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$11.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; 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 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 XXXXXX/XX/XXXX
Complaint sub-issue: Debt was paid

I had an issue with my insurance company in lat XXXX and early XXXX. I had XXXX bills that were not paid and were sent to collection. I communicated with Armada and let them know the insurance would be paying. In the process of me getting it all worked out they started trying to garnish my wages. The insurance company did pay most of the debt in febuary directly to the hospital and I did not hear from Armada again until XXXX. Now they have added more interest, more legal fees and have not taken the bills of that were paid or reduced the ones that were partially paid. I contacted XXXX at Armada in XXXX Washington and she refused to help me. She stated that I am responsible for the amount and the interest and she refused to help me. XXXX has a personal problem with me and said they have legal documents and would not help me. Armada also has attempted to collect this in the past and they know because of my child support garnishment they are unable to garnish my wages. She is doing this now just to rack up fees on the account and she well knows my situation from the last time before the insurance paid the bills. I was also not notified by the original creditor or armada about any remaining balance and Armada does not want to acknowledge the bills were paid by insurance. This company is know locally for dishonest tactics and now will not even answer my phone calls. Armada has also falsely reported the collection on my credit report causing my score to drop and affecting the interest rate of my last loan.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!
Complaint sub-issue: Account information incorrect

XXXXXXXX XXXX  will not answer me for validating the correct amount shown for a debt they claim I owe. In XX/XX/2011I purchased a ring and they sent a letter after a few missed payments stating my account was closed and I needed to pay {$120.00}. This debt is reporting open with XXXX, with no amount, but closed on XXXX  and Equifax with a balance of XXXX. I've recently reached out to the creditor to take care of the balance and was advised that I owe them XXXX dollars as this debt is still open and incurring charges. I've tried to file a complaint with consumer financial after not being able to resolve the matter with XXXX XXXX XXXX myself. You guys sent it back two days later saying you couldnt locate them. If they're not going to report accurate information nor be listed accurate contact information then I am asking the Bureau 's to now intervene. This debt is not following FRCA laws and I need a resolution Immediately. This is preventing me from buying my first home and is causing me havoc.
Complaint sub-issue: Other problem getting your report or credit score

I have spoken with Several representatives spending multiple hours and time trying to get Equifax to accurately report and release my credit history. Equifax has continued to misrepresent me in will not accurately update my account. I have sent in the information that I have confirmation for. Every time I speak with a representative I am told something different. I have been working with Equifax since XXXX to correct this issue and I have asked to speak with Managers or higher up but for whatever reason Equifax 's no longer has a manager to assist the CSR. I was told by the CSR that I needed to speak with him or get nothing. He refused to cancel the online profile to protect my credit as I don't want it because it is not reporting accurate information. Equifax continues to send out letters stating that I am not creditworthy I have no credit score and no credit history, when in fact this is NOT true. However when I log in to myequifax.com its shows am credit score and good credit history, yet the report the total opposite to potential creditors which in turn I'm denied credit. They have admitted that my credit file is has something going on with it I have been told its been corrected but as of today it is not correct and the workers representing Equifax refuse to fix this therefore Equifax is actively and knowing defaming my character by NOT reporting my TRUE and REAL credit history.
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem with customer service

I have an existing complaint in with XXXX  XXXX XXXX. I have applied for Public Service Loan Forgiveness, original application date of XX/XX/XXXX. It appears that they have tried to appease the complaint, however not to my satisfaction as the information they have fed back to me is grossly inaccurate. 

I have been employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX XXXX organization since XX/XX/XXXX. My Human Resources director has verified this with XXXX  XXXX XXXX, and they told me they have record of that verification. 

I have recently received a letter from XXXX XXXX XXXX stating that my beginning date of employment was XX/XX/XXXX ( the date I applied for PSLF, not the beginning date of my qualified employment ). They are only counting payments that were made from this date, which is 11 payments. This is inaccurate, and I believe they are only counting payments that were made once I applied for PSLF and my loan was transferred to them as a servicer. I was previously serviced by XXXX and XXXX. I have made every single payment on time since my employment began in XXXX, so I should have around 80 qualifying payments. This means they are putting me about 6 1/2 months back in the whole process of loan forgiveness.
Complaint sub-issue: Trouble with how payments are being handled

Under the CARES ACT I thought all student loans were in deferment? Yet NELNET is charging interstate 's to my accounts currently. I was on deferment plan and was never contacted on the update to what would be done under the CARES ACT with the loans so I assume the law protected interest being added to the accounts currently until year 's end. Also I have a persons name unrelated to myself or family that has his loan information mail being sent to my house. Are the accounts crossed? I show the balance being paid off yet I'm being billed still?
Complaint sub-issue: Their investigation did not fix an error on your report

All of my school loans were transferred or sold and the credit bureaus are reporting the multiple loans as duplicates. On or about XX/XX/2017 I submitted an online dispute via Credit for those duplicate reports but the bureaus claim that the lenders resolved it which is not true. I called the lenders and they said they would fix it but it never happened. I am being denied credit because it appears that I have taken out numerous loans but the student loan lenders refuse to report properly as well as the credit bureaus after speaking to them on the phone. They are pointing to each other and giving me the run around. I was emailed the results and nothing has changed. My school loans are currently being paid thru the School Debt Relief Act and the disputed closed accounts are mostly over 7 years old.
Complaint sub-issue: Account status incorrect

XXXX debt collection company has not removed a collection that in agreement to be paid would be deleted. The account number is XXXX.
Complaint sub-issue: Not given enough info to verify debt

I wrote ECMC on XXXX asking for legal validation of this debt. It has been 30 days and they have not responded.
Complaint sub-issue: Information belongs to someone else

In previous letters I have requested that you review the information, contained in the credit because it is not correct, but they have not given me an answer, this is not 100 % true
Complaint sub-issue: Application denied

I am a senior and XXXX XXXX XXXX at Texas XXXX XXXX XXXX University and I received a solicitation in the mail with a specific invitation number for me to apply for a Discover STUDENT credit card. Discover promoted the card to me as an entry level credit card designed for students. Regarding student credit cards, Discover 's website states ; " Students, build your credit history here. '' However, when I applied for this card, I was told on the phone that my roughly XXXX XXXX dollar income was not sufficient and I was promptly denied. This denial may have a negative impact on my credit score and if I had not been specifically solicited to apply, I would not have done so.