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

I had a contract with XXXX back 2013 and quit the contract 2013 and paid off all my debt, ever since then i never had anything again to do with XXXX, only for me to see this year a collection agent sent me a note of debt from XXXX, then am preparing for deployment which i am now on deployment, the collectors threatened to report it to credit report, as i check my credit report i notice a negative report from the collectors about a debt with XXXX. I never knew this collectors and am not owing XXXX
Complaint sub-issue: Attempted to collect wrong amount

I am XXXX on state aid I was suppose to get a free government phone from XXXX they sent me a bill 10 days after I received the telephone and I contacted them to tell them it is a free government planfree phone and free 500 minuets they transfered me and talked me in circles I mailed the phone back 2 years ago before the month was even up. I owe them nothing I was told it was a government program I signed nothing and they had their phone back in their possesion within 22 days I want them to remove this Scam off my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX 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.
Complaint sub-issue: Can't get flexible payment options

i have submitted about XXXX complaints about this company and the run around is exhausting. everytime they respond the link that is attached is broken every single time. i do not think nco is still open or actually holds the title to my loans. if someone other than nct or aes looked at the cfpb like they say they do they too will see that in the loan default paragraph there is nothing stating i must remain in default. i can not believe the amount of laziness that is shown in this process. i do not think anyone in any of these situations truly reads these complaints and intends to read them as they say they do. i will send a complaint eveyr day for a year and contact lawyers offices if i need to. this will not go unsettled and im tired of the run around with these loans that apparently do not exist from a company i continue to contact that does not answer. do your job and fix this.
Complaint sub-issue: Account status incorrect

I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. The Chapter XXXX was discharged in XX/XX/XXXX. Selene Finance is reporting on the credit report to XXXX that I was late on a payment in XX/XX/XXXX. In fact, this property and mortgage was included in the BK. they also are reporting activity on the account AFTER the XX/XX/XXXX BK start date. 
Both of those actions are in violation of the Fair Debt Reporting Act. As you know, the Fair debt Reporting Act forbids creditors from trying to collect a debt once BK proceedings have started. They also are still reporting as of XX/XX/XXXX " activity '' on this account that has been deleted since XX/XX/XXXX.
Complaint sub-issue: Personal information

While reviewing my EXPERIAN credit report, I noticed an unauthorized and fraudulent inquiry initiated by PNC BANK on XXXX/XXXX/2016. I did not authorize any employee of PNC BANK to review my records for any purpose at any time. I personally contacted PNC BANK and requested to have this adverse information deleted and also, to within 5 business days provide me with any verifiable signed documents that I may have signed authorizing this inquiry. To date PNC BANK has failed to provide me any documentation within 5 business days. This fraudulent inquiry is in clear violation of my civil rights under FCRA and PRIVACY Rights Act. As a direct result I have continued to suffer irreparable economic loss, including but not limited to my inability to securing meaningful employment, Housing and/or obtain new credit due largely in part to the gross negligence of PNC BANK acts and omission.
Complaint sub-issue: Account status incorrect

The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later XXXX contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. XXXX never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, XXXX has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked XXXX to fix this and filed disputes with the credit agencies to no avail. All XXXX does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our credit report
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020, I notified Equifax through CFPBs complaint portal, that XXXX inaccurate late payments in XX/XX/2020 were listed on my credit report. The companies Total XXXX and XXXX XXXX are listed on my credit report as XXXX XXXX XXXX XXXX The complaint is as follows : XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly XXXX points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. Despite this, Equifax has not only failed to correct my report, but have change the inaccurate 30 day late payments to 60 days! This is a violation of the FCRA and is unacceptable. These inaccuracies caused my credit score to plummet and has completed disrupted my plans of purchasing a home.
Complaint sub-issue: Their investigation did not fix an error on your report

Method of Verification On multiple occasions I requested verification from the bureaus to which they have responded with verified ( attachment ). I have now requested for Method of Verification ( attachments ) which I am entitled to according to the FAIR CREDIT REPORTING ACT, paragraph 7 section 611.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

To Whom It May Concern, On XX/XX/XXXX I was on my XXXX XXXX  noticed my score had dropped from an account I was an authorized user on a XXXX XXXX which was opened XX/XX/XXXX. Total credit Limit was {$7400.00} on said card. This was probably a cousin of mines account who forgot to remove me as an authorized user as I haven't seen that card In years. I called XXXX to remove myself from the account they told me I needed the last 4 digits of the card # which I do not know.

All I want to do Is either be told the last 4 digits so I can take the right steps to have myself removed as an authorized user through XXXX XXXX. This was reported from Equifax. I can be reached on my personal cell if any questions. My number is XXXX or XXXX. 

When I gave my social to XXXX XXXX they only had my actual cards on file.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Attached is my formal letter requesting removal of fraudulent accounts, police report and id theft affidavit. I am representing myself, so please do not respond with a templated answer.
Complaint sub-issue: Information belongs to someone else

I recently came across my updated report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). 
Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Information is missing that should be on the report

XXXX is only getting one of the two accounts being reported by Elan Financial Services ( US Bank ) while XXXX is getting both accounts. This is negatively impacting my Credit Score with XXXX because the total account utilization percentage is higher than it should be as it is not taking into account two accounts but just one account. 

I've called XXXX and Elan Financial Services today regarding this issue around XXXX on XX/XX/2022. XXXX said they can not do anything on their end if the Credit Card company does not push them the data for all accounts and they also only see one account when in fact I have two active that is currently being reported on by XXXX. Elan Financial Services told me that I would need to write to their Credit Dispute team in order for them to investigate this issue and they claim that they are reporting all information on all accounts to all three major Credit Card Reporting agencies ( XXXX, XXXX, and XXXX ). 

No further attempt of assistance was provided by Elan Financial Services when I confronted them of this issue and they did not have a hotline or customer service representative that could look into this issue and implement corrective actions immediately.
Complaint sub-issue: Debt was paid

I would like to take action against I.C. Systems for knowingly violating my rights under the fair credit reporting act - Section FCRA 623 ( a ) ( 5 ) ( A ). I had a debt that was suppose of been taken care of back in 2018. I do not owe this debt. I have fought XXXX XXXX to get this bill credited back to my account. I had XXXX XXXX service in 2018. In XXXX of 2018, i had moved to a different area. XXXX XXXX informed me that they would not be able to connect service in my area do to lack of signal. They said they had no choice to let me out of my contract. They said the early termination fee will be waved in this case. I returned all 3 cable boxes which i enclosed a receipt for. XXXX XXXX applied the early termination fee to my account anyways, along with equipment charges that was returned. I kept calling them to credit these charges back. They finally did in XXXX of 2018. A few years later, i get a bill from a collection agency reapplying these charges. I been fighting these collection agencies because they been illegally selling back this debt when there is no amount owed!!! This is unlawful! Now this collection agency sent me a new bill for the same charges! IC systems has violated my rights by changing the original last day of payment made on this account. The last delinquency date on this account was in XXXX XXXX. I have not made a payment on this account since then. Any past due amounts i have already paid. These charges are for equipment charges which was returned, and for an early termination fee which was suppose to be waved! I have enclosed a few bills i received so you know i am telling the truth. By law, when a collection agency buys a debt, they must keep the original last date of delinquency on the buyers credit report. They are not allowed to change this date in anyway! This is what they call the time of limitations of a debt. The time a debt can legally stay on someone's credit report. They took it upon themselves, and changed this date to the date they bought this debt! This is illegal and unlawful!!! This is not counting the fact that the debt is not even owed! I want to file charges against I.C. Systems for violating my rights under the fair credit reporting act for damages done to my report! I have enclosed documentation for this account.
Complaint sub-issue: Used obscene, profane, or other abusive language

The agent failed to identify themselves as a debt collecter, and would not provide contact information about the company. They gave me the run around and would not supply me the name of the company, nor a contact phone number. 

After speaking in circles the agent, XXXX XXXX, let it slip that they worked for Allied Interstate, LLc. 

The phone call took place XXXX CST and lasted 13 min and 39 seconds before the agent hung up on me.
Complaint sub-issue: Account information incorrect

This concerns the Equifax account for both my wife and my CLOSED XXXX accounts. 

The Equifax account for XXXX XXXX has been altered from what the credit provider entered after the account was CLOSED. The account is now showing that our XXXX XXXX XXXX has missed payments, and instead of what was posted originally when XXXX was the last payment entry on the chart. At Present it is showing XX/XX/XXXX. This is a change from the original reporting. As well, it initially was showing XX/XX/XXXX as the first payment with the last payment XX/XX/XXXX. These later changes are now showing the account with 8 missing payments. With two being recent ( XXXX and XXXX XXXX The Equifax account for XXXX XXXX, the entire XXXX XXXX XXXX has been deleted. 

They were both reported as CLOSED with no missed payments. 

See screenshot of altered account attached ...
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, regarding XXXX XXXX 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
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Investigation took more than 30 days

I sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}
Complaint sub-issue: Fee problem

I opened an account in order to get an online loan, I got approved but then realized it was a scam and called the bank less then 12 hour of the transaction., No withdrawal had taken place yet and told the bank i though it was a scam and to cancel the transaction and to lock the account completely. They locked the acct and they returned payment as far as I know then I received a substitute check that said to use as if it were the orginal., I thought cool it must of been good so I went and redeposited it they gave me some more money I think {$55.00} and then I never received any information of it not going through or anything. I assumed it was in my acct until today when I seen on my Equifax report a new collections.. for {$100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that XXXX has not shown any time that I have disputed information with them in the past. XXXX  has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come XXXX, XXXX, and Equifax can tell me anything different?
Complaint sub-issue: Personal information incorrect

Wrong name on my Equifax account See complaint # XXXX Equifax 's reponse to this complaint is preposterous. 
None of the accounts that Equifax has lists my name as " XXXX '' which Equifax ALONE of all three credit agencies has listed as my name for 30 years in error. 
It is Equifax that is responsible for correcting its own error.
Complaint sub-issue: Account information incorrect

Dear Equifax you are in Violation of Fair Credit Repair Act ( FCRA ) Remove the following account from this credit report immediately and I do not authorize any of these items to be reported once removed. 

1. XXXX XXXX Bank ( Remove this account due to inaccuracies with account type ) -This account status is being reported fraudulently. 
The original creditor has confirmed this account is in good stand and the status of this account is OPEN not closed. 

Please present methods of verification of this account directly with the original creditor. Please provide evidence of validity of the errors being reported. 


A complaint has been filed with the Attorney Generals Office of XXXX XXXX
Complaint sub-issue: Problem accessing account

PNC mobile banking reports late and Inaccurate. About the state of funds in accounts when using mobile banking. Yesterday I had XXXX XXXX  in my account or so mobile banking said so I went and bought a XXXX XXXX  bag of fries that I could make for dinner. Today I woke up to an overdraft of {$11.00} because PNC had not properly updated their app. When I tried to access the app to see what went wrong it was down for repairs again. PNC regularly has their app down for repairs and causes an inability to access important financial data. Ive raised this with PNC multiple times to no avail. Between the low balance alert emails that I received on the XXXX and the XXXX I only made one purchase for no more that {$4.00} we should left you with just less than three dollars in my account. Instead I woke up on the XXXX with an overdraft alert.
Complaint sub-issue: Frequent or repeated calls

The debt collector ( ERC Enhance Recovery Company LLC based in XXXX ) using XXXX phone numbers XXXX has been calling my home phone on daily basis. 

My home number is registered with both XXXX no-call and National no-call list. The caller does n't leave any voice message regarding why " it '' has been calling? I called back to inform them that our phone is on the no-call list please stopping calling otherwise they will be reported. They were also informed that if they have any legitimate debt, please send the debt in a registered mail subject to further discussion and dispute resolution. So far, the scammers keeps calling my home phone without further stating its purpose. I would like them to be put on the Stand! 

XXXX
Complaint sub-issue: Information belongs to someone else

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Complaint sub-issue: Debt is not yours

This company named ENHANCED RECOVERY SYSTEMS has attempted to collect a Debt that is not mine int the amount of {$960.00} with account number of XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I called the XXXX Credit Bureaus after I purchased a credit report with XX/XX/XXXX on XX/XX/XXXX, 2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/02/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX FW1859XXXBalance : {$1300.00}
Complaint sub-issue: Debt was paid

This debt is reporting twice on my credit report. Please see attachments. I paid the current owner of the debt, XXXX, however IC System is reporting it as well. It's my understanding that two collection agencies can not report the same debt.
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX XXXX XXXX opened a credit card with Discover in my name without my authorization or consent.