Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

I have information on my credit report that keep reappearing after it has been disputed and deleted. The first collection has been deleted twice and re-added and is not mines. The XXXX accounts are not charge off and was deleted from my report six month ago. I have XXXX for all these debts. 

1. XXXX XXXX {$54.00} - Not my mines account was deleted twice from report and just re-added. 
2. XXXX {$51000.00} - Paid Off 3. XXXX XXXX - {$10000.00}, have XXXX should be deleted from report. 
4. XXXX XXXX - {$7600.00}, have XXXX should be deleted from report. 
5. XXXX XXXX - {$1500.00} - Not my mines account was deleted twice from report and just re-added. 
6. XXXX XXXX XXXX - {$3000.00} - Not my mines account was deleted twice from report and just re-added. 
7. XXXX XXXX XXXX - {$27000.00} - account paid off. 
8. XXXX - {$31000.00} - account is paid off and was showing paid off last month in good standing. 

10. An address I never lived at was added. XXXX XXXX XXXX XXXX XXXX. This is not mines.
Complaint sub-issue: Reporting company used your report improperly

You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 XXXX. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( XXXX ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the XXXX XXXX XXXX act, XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH XXXX XXXX, CITICAOPR ETC..
Complaint sub-issue: Was not notified of investigation status or results

The accounts listed in the attached letters are adversely affecting my credit report and preventing me from being approved for a mortgage. The false, inaccurate and unverified information is causing financial harm and stress to me and my family. I sent a letter dated XX/XX/2021 to this consumer reporting agency and they have yet to reply to my dispute. Therefore I am filing this complete with CFPB because they are clearly taking advantage of me by ignoring my disputes. I can not afford to wait another 45 days to receive no response again. Section 611 ( a ) plainly states that a failure to investigate items withing 30 days gives reason for immediately removal of those items from my credit report. Therefore I am requesting they delete the accounts listed in the attached letters.
Complaint sub-issue: Account status incorrect

Account shows it was opened on XXXX XXXX its showing as a charge off and its not the company agreed to remove off of my credit report due to fraud XX/XX/2021 and its still on my credit report!
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 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX  XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Debt was paid

In 2012 I went to the Emergency room for a XXXX XXXX and was treated by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, ( XXXX ). XXXX was under contract with Aetna Health Insurance Company at that time. XXXX did not turn the claim into the insurance company in a timely manner, and the claim was denied. Per their contract, XXXX was not allowed to bill me, the patient. Instead of writing the amount off the books, the balance remained but they did not bill me. Later, XXXX sold their Accounts Receivable to ProCollect. ProCollect refuses to acknowledge the paperwork that proves that I do not owe the debt. I sent a copy of the EOB from my insurance company with a code ( XXXX ). The XXXX page of the fax is the back of the EOB which explains a code " ( XXXX ) You do not have to pay this charge. That is because the provider did not send the claim to us within the required time limit. ( XXXX ) ''. The have put a collections entry on my credit report and have been sending harassing letters and making harassing phone calls. I made several attempts to resolve the issue and in return received abuse and zero cooperation. The would not give me an original invoice or any contact information other than company name for the original charge. Through my own research I was able to get the whole story from Aetna Health insurance company. I will also be reporting ProCollect to the FTC for XXXX and FDCPA violations. The phone abuse went all the way to the top. I even spoke to XXXX XXXX XXXX, Vice President of ProCollect. He immediately began yelling at me over the phone and talking over me. Thank you very much for your assistance.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/XXXX Discover card mailed me a letter claiming that I received a 1099 C for the year ending XXXX, and to support their position, they reached out to a charge on the card - XXXX. Here 's the problem with their approach. 

1. The charge dates - fall in line with the time frame where I was living in Ohio on a work assignment. I've provided Discover with the documentation to support my residency status during said time frame. 

2. The XXXX location - a neighborhood location, and a lot less stringent on identity checks. 

3. The address - associated with my name - on the XXXX receipt - did anyone at Discover bother to stop and look to see how that address is a new one and, in no way associated with me, and never has been? 

I also recently learned that Discover responded to my latest complaint saying ( to no surprise ) that I am liable for this account for the following reasons : 1. They talked to me on a verified phone line - you did? Which number, because the number you claimed you used, I proved ot you that that number wasn't active during the time frame you claim this account was opened. 

2. It was sent to the address listed on the on-line application - Really? During the time when I was in the middle of the country? As proven by my signed lease from my landlord in Ohio? 

3. That the email address on the online application and the online pay center matches the email address used on this form. Really? Please provide a copy of the application, or provide the credentials to the online pay center that verifies your claims that my information was the information used. 

4. That you spoke with me about the account on or around XXXX. Did you? Using the same number that you claimed you verified - but, in fact was rendered inacctive? How do you know you were speaking with me? 

Here is what I'm requesting from Discover : 1. I'm requesting that Discover provides a copy of these documents they claim they have to support their claims. I plan to use these documents as part of my pending legal action against them. You've referenced them in a public forum, so it's clear you have them. 

2. I'm requesting a detailed description of the process you used to investigate the circumstances around this account being opened after I provided you with proof that my phone line - that you claim you used to speak with me - twice - was actually innactive.

3. I'm requesting that you remove the " disputed '' designation from XX/XX/XXXX.

Please provide me with these items within 15 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an excellent payment history with Klarna and i pay off every order i have with them. I have no problem with a Company checking my credit when it's important and necessary and i know that the Company is checking my credit unlike Klarna that check your credit without your CONSENT cover it as a Pay In 4 option. Klarna claims to not check your credit yet on XXXX i received an alert that there was an Inquiry placed on my credit and i included a screenshot. Klarna claims to not do credit checks but this is a big LIE. I checked my credit report with XXXX on XXXX and KLARNA is on there for accessing my credit report without my CONSENT on XXXX. Klarna is LYING that XXXX checks your credit when Klarna is the ones checking your credit when in fact it's Klarna who is checking your credit and i included a screenshot from the Credit Bureau as proof that XXXX didn't check my credit Klarna did. Klarna also have this as a Bank Account when i have NEVER opened a bank account with them. So i contacted Klarna on XXXX about this and this is what happened ...... 

*AGENT # 1 ...... 
This agent refused to give me her name. She first said " Klarna doesn't check your credit it was XXXX that check your credit '' which i knew was a LIE because in all of my years of purchasing tickets from XXXX i've NEVER once known XXXX to check your credit for purchasing tickets with your Credit Card or your Debit Card and i've NEVER seen XXXX on my Credit Report. This agent then change her story and says, " Klarna check credit for purchases at Merchants ''. I then advised her that Klarna claims to not check your credit to shop at their Merchants. Then she changed her story again. She put it all on XXXX then she hung up in my face. 

*AGENT # 2 ...... 
This agent was Rude and kept being Sarcastic and XXXX telling me " you don't know me ''. This agent sat and told me that Klarna checks your credit when you use certain cards. I told her that was the dumbest thing i ever heard since Klarna claims they don't check your credit. I also informed her that i've NEVER had any Merchant check my credit because i'm using my Credit Card or Debit Card. Then she started being Rude saying, " yea i am XXXX and XXXX but you don't know me ''. Clearly their agents have ZERO knowledge about credit or assisting customers when they call in. 



Klarna clearly teach their employees to just Blatantly LIE and tell customers anything because they obviously think that customers are stupid but a smart customer like me will look into what these people tell you.
Complaint sub-issue: Debt resulted from identity theft

This debt collector continuous send out late, time sensitive documents that look like junk mail, unsolicited adverting and some of this mail to my current address had no return address. I am not sure the how they sent the alleged collect documents in the pass however I was not notified of this debt till years after the court proceedings against me. This company levied my student financial aid. Although the company no that the levied fund are exempt they refuse to return them. This company forced my student college fund closed at XXXX Bank. Their caused me to fail classed and force me to drop out of school. This company has extorted money from my college fund that was from a inmate trust account check that did not belong to me. this company financial bulling has cause me to fall XXXX. I also am still considered a student however I can not return to school with this company beating me up financial where I can afford food, books, tuition and the necessaries a student would need to do well. I believe that I do not owe this debt because there was activity on the card on a date I was in another state where my purse was snatched off my arm and i had to have new car keys made, purchase cell phone. I also stayed at the hotel because it happen on the property the manage comp me a room and I used cash to stay a few more nights to help look for the assailant. I work with XXXX would have record of that.
Complaint sub-issue: Used obscene, profane, or other abusive language

When called from contact number XXXX asked to take information down. I asked the caller by the name of XXXX to provide me the company name and she refused. She stated she can only disclose the nature of the call to the debtor advised that I am requesting the company name and still refused 4 separate occasions.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the ( FCRA ) everything has to be 100 percent accurate on my credit report. The bureaus have stated all my accounts were properly investigated, but how can that be when the date last active, the date last reported, and the opening date are all incorrect and different between the 3 bureaus or incomplete. This is grounds for removal and they have violated my Rights under 15 u.s.c. 1681 sec 602A. States I have the right to privacy. 15 usc 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instruction. There for I want to see verification of a signed invoice, a copy of the binding contract between both parties and validation of the debt that is actual accounting.
Complaint sub-issue: Reporting company used your report improperly

In regards to XXXX XXXX Account # XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. If you bare any contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance {$7500.00} XXXX XXXX XXXX-XXXX-Balance {$21000.00} XXXXBalance {$0.00}
Complaint sub-issue: Account information incorrect

I have made several attempts to dispute inaccurate information, as permitted under FCRA ( sect 611 ) regarding XXXX XXXX # XXXX with this CRA, Equifax, because the information reported on my credit file is inaccurate. Equifax has responded on a number of occasions that " we have verified that this item has been reported correctly ''. 

I have repeatedly demonstrated to the CRA that the information is not only inaccurate, but inconsistent. For example, Equifax is reporting a date of first delinquency before the " assigned date ''. It is reporting this delinquency for an entity ( XXXX XXXX ) whom I have never had a contractual relationship with that would create such a delinquency. 

Under FCRA, section 611, in previous disputes, I asked Equifax to provide verification, update or remove the account. Equifax has stated that what is inaccurate - is accurate which is a violation. Specifically, they are reporting that I have a date of first delinquency of XX/XX/2019 with XXXX XXXX even though I have never had a relationship with them. 

I have repeatedly asked Equifax to delete this item from my credit file on the grounds that there is unverifiable information, and this action is required by Federal Law.
Complaint sub-issue: Information belongs to someone else

I filed all the proper documentation and reports regarding my identity theft situation and Equifax has not notified me of the investigation. Nothing has changed on my Equifax report or anything. Those accounts are killing my credit score.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.
Complaint sub-issue: Problem during payment process

I have two Discover credit cards. I used XXXX XXXX bill pay services to pay the XX/XX/XXXX payments and received delivery confirmation on both checks. One was on XX/XX/XXXX ( Amount {$300.00} ) and XX/XX/XXXX ( Amount {$750.00} ) respectively for each card. Both checks are CONFIRMED as delivered by XXXX XXXX XXXXs. To get the payment address I used XXXX to locate the Discover website that published the payment address by typing " payment address for Discover Card ''. 
The search resulted in the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This shows XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX as the payment address. Furthermore, the link goes to : https : //www.discover.com/XXXX  which is a published web page for Discover payments. The checks I mailed to this address were not cashed ; however I have payment delivery confirmation. A few weeks later, Discover reported me as 30 days late on my credit report for both accounts. Upon calling them to find out why, they maintain that the published address on their website is NOT the actual payment address and even though I have delivery confirmation, they refuse to reverse the negative credit reporting even though they were paid by me. 

This situation, through no fault of my own, has caused my FICO score to drop over 100 points and has caused me to be declined for credit on several very important loans. Discover should reverse the negative report since I can clearly provide delivery confirmation for the financial instruments and used a clearly published address.
Complaint sub-issue: Information belongs to someone else

I have a charged off account that does not belong to me. I did not authorize it nor did I authorize someone to open the account under my name. I have many accounts opened under my name and this one appears to have been opened by the same person. I have filed a police report and FTC. I have submitted everything to XXXX and can not get any assistance to remove this. I am reaching out to you for help.