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

XXXX has confirmed multiple times that the bill for the non-return router of {$780.00} has been disputed. ticket number : # XXXX and # XXXX however MRS BPO, L.L.C debt collector refused to dispute debt and insist that I have to pay it off. XXXX has done a 3 way call to explain to them that I am no longer responsible for {$780.00}, but MRS BPO, L.L.C sent my " debt '' to my XXXX, XXXX, XXXX and made my credit dropped XXXX points.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.
Complaint sub-issue: Problem getting my free annual report

This happens every year. Equifax , under guise of " verifying '' my identity, asks obscure questions about my report and then alleges that I answered one of them incorrectly. The ruse changes from year to year ; I believe this year they were asking about a store credit card that may have been issued by some financial institution with a name different from the store 's own, or maybe I have never had such a card. There are literally dozens of cards over time in my report, and a XXXX card may be named XXXX Bank card or whatever, and the report, when I finally see it, may mention one or the other or maybe a third name for the credit provider. I do not get another chance to guess at another question, and one missed answer means denial of the online report. The alternative : write by snail mail, and add a ridiculous number of documents proving that I am me. 
I believe that Equifax does this to keep people from getting their free credit reports.
Complaint sub-issue: Information belongs to someone else

Hello I am seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on XXXX, Equifax and XXXX credit agencies reporting new accounts open in 2021 .Creditors XXXX XXXX XXXXXXXX credit card and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. Thank you
Complaint sub-issue: Was not notified of investigation status or results

To someone with the authority to rectify my problem, I have reached out to these corporations and they completely disregarded my correspondence I sent to them on XXXX XXXX, 2020. I havent received any responses from them once. My first correspondence was 79 days ago. After this experience I have done research and learned that Federal law requires corporations to respond within thirty ( 30 ) days ; again it has been 79 days and these companies are in gross failure of having an open line of communication with me about my situation. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. I rather not do this but at this point I am considering seeking litigation. Be informed that my information was compromised in the Equifax data breach and this may have caused the detrimental activity on my reports.
Complaint sub-issue: Debt is not mine

In XX/XX/2011 a debt collector company named Afni contacted me for a supposed debt I had with XXXX XXXX for XXXX dollars. I had never had an account with XXXX so I ignored the letter. For the next few weeks this company continued sending me letter based on the allegation I had a debt with XXXX, I became worried and called XXXX and they told me I had never had any account balance on my name. Years passed and last week I received another letter from Afni collecting the same debt. I enter on the website XXXX to check my credit and this company affected my credit even when they closed the issue. On this new letter they offer me that if I pay half the debt I will resolve my account. I am worried I could have been victim of identity theft, because I had never had any kind of account with XXXX or any debt with this company. My phone bills were paid by my parents and it was another company. So im asking for help. Im worried this could be a more serious situation.
Complaint sub-issue: Account status incorrect

I had made a pay for delete payment with the credit card company and they have not held up their end of the agreement.
Complaint sub-issue: Investigation took more than 30 days

I SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( XXXX , EQUIFAX , XXXX ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!
Complaint sub-issue: Account information incorrect

XXXX verified on XX/XX/2022 they have fixed a credit reporting error causing a commercial mortgage loan to report to my personal credit bureau. XXXX confirmed the error and submitted corrections to the agencies. The error was finally fix in XX/XX/2022 until the mortgage was sold in XX/XX/2022 to XXXX XXXX XXXX ( XXXX ). Now XXXX is reporting a commercial mortgage on my personal credit bureaus again. This is a commercial loan that XXXX agreed in loan documents, in emails, and credit dispute documents this is a reporting error.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I noticed there was a charge on my debit card for XXXX and XXXX that I did not authorize or reconize. I called directexpress dispute center on the XXXX of XXXX and talked to a employee that brout to my attention it looked fraudulant and sugested I cancell my card and file a report and dispute the charges to start a investigation., so I did. He said I would receive papper work in the mail to fill it out right away and mail back. I had moved during this time and there was a delay in getting those papers turned in. I notified Directexpress by the XXXX XXXX or sooner. I called them several times to make sure I had done everything I was supose to.. On XXXX I received the report saying no error accurred so I called them to discuss the disision with the investigation department and she said was I took to long to reoprt it. since then I found the company XXXX XXXX XXXX and the XXXX XXXX  that have been reported as fraud company with lots of victums like me. XXXX and XXXX
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

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

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
3. The following personal information is incorrect Account Number : NAME : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I sent a debt validation letter to Tek Collections. I received no information pertaining to this debt listed on my credit report. I have tried to email them and got no response. They have no verified I own this debt and I would it removed from my credit.
Complaint sub-issue: Account information incorrect

XXXX aNd Equifax are again reporting that XXXX XXXX XXXX XXXX has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. XXXX XXXX and Equifax are either culpable negligent in carrying this listing or are being intentionally vindictive. As for XXXX XXXX XXXX, XXXX actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently XXXX recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. XXXX had known that the difference in the lease tit claimed 1 had been, in fact, paid dinnXXXXown by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. XXXX isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, XXXX gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof XXXX, with the the virtual assistance of XXXX  and Equifax ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.
Complaint sub-issue: Debt is not yours

I received a collection letter in the mail from a XXXX, ND address, requesting a {$50.00} payment to go to a creditor called " XXXX XXXX  ''. I have never lived in anything called " XXXX XXXX '' I have not lived in XXXX XXXX  since XX/XX/2017. I never heard of the place and am not paying it because it is not mine. My amended tax return was stolen from the us postal service  in XXXX a police report was filed with the police department. I dont know if it has anything to do with that but again, this is not my debt. I never lived in any such place. the place that i resided in when i was in XXXX XXXX already provided me with a letter indicating that i was in good standing and nothing was owed.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted LexisNexis to have me removed from there system XX/XX/2021, than I contacted the XXXX XXXX XXXX XXXX  to request a letter as to if they report to LexisNexis and requested a credit report from XXXX, XXXX and XXXX to show that LexisNexis is reporting a bankruptcy and indicating the information was provided by the courts, I requested LexisNexis provide me the source of there information and was sent a letter that simple says, " After an investigation of the data in question, LexisNexis verified that the bankruptcy case # is accuraetly reporting on your LexisNexis RiskView report '', they will NOT provide the source as requested
Complaint sub-issue: Account information incorrect

Fedloan is not reporting student loan balances in 30 or 45 days time to Credit reporting agencies. I have been waiting since XX/XX/XXXX for them to report a {$25000.00} payment on my student loans. Showing a new balance of {$28000.00} and not a balance of {$39000.00} on my credit reports as of today XX/XX/2022.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I have inaccurate accounts on my credit report due to fraudulent activities
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Complaint sub-issue: Funds not handled or disbursed as instructed

I have an XXXX account with Optum XXXX. On XX/XX/2021 I went to Optum website to pay my doctor bill. So, I created distribution from my account to my doctor. Optum deducted requested amount ( {$130.00} ) from my account but my doctor never received this money. Now after 4 months doctor office is sending me to the collection agency. In meantime I called a few times my XXXX bank to resolve this case and my bank is unable to provide me with any proof of payment. They can not find the check cashed by the doctor. They even don't know check number issued to the doctor. They also don't want to return this money back to my account. I got multiple promises to get some solution and nothing happened. Seems like they just play for time. Each time they are assigning different case number. After a few days I am receiving email with info that case is closed. My last, still open case number is : XXXX.
Complaint sub-issue: Account information incorrect

I opened an account with XXXX  XXXX  in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to Equifax. I have filed multiple disputes with Equifax and they have failed to investigate properly and continue to report this account. Equifax is Illegally reporting this information.
Complaint sub-issue: Account status incorrect

XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Complaint sub-issue: Account terms

I contacted XXXX in regards to my account, to check the status of the pay to delete letter I sent to them. I spoke with agent XXXX from the recovery pay debt department, at that time she told me that my debt was forgiven because the balance only consisted of fees, she also stated that the account would be deleted from all three credit bureaus but she could not tell me when the information would be updated with the credit bureaus. I disputed the info on my credit reports with the info that was provided by XXXX. I received an updated copy of my credit report and it states the info for XXXX XXXX was updated. I called them to inquire about the information XXXX provided to me and the customer service agent ( XXXX ) informed me I was given the wrong information. I asked to speak with a supervisor ( XXXX ) who confirmed that I was given the wrong information because the XXXX is a new employee.
Complaint sub-issue: Debt is not mine

Allied Interstate continues to call my home for a person who does not live here.
Complaint sub-issue: Other problem getting your report or credit score

I have several accounts and Equifax says that they dont have a credit file for me. I have my XXXX and XXXX but Equifax says they dont have and credit file for me. Ive tried calling numerous of times. Ive mailed in documents to verify my identity and still cant get any resolution.
Complaint sub-issue: Reinserted previously deleted info

XXXX XXXX an investigation with XXXX concluded with deletion of theaccount " account XXXX the results are : this item has been deleted from the credit file .... '' today the account is reappeared, see my XXXX XXXX report included here along with thesept XXXX letter from equifax. 
there was no five day notice or certifcation from the creditor.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Credit Reporting Agencies, XXXX, Equifax and XXXX ; I'm getting anxious every time i looked at my credit report with those alleged negative items listed below because you're failing to truthfully investigate my previous requests. Sorry, my English is not that perfect, but i'm stressed out. There is no way that your company can say that they complied with my investigation because there are still multiple errors, incomplete, and unverifiable information. 

Here are the 3 items I'm concerned about and I demand an immediate deletion. ( XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; & XXXXXXXX XXXX XXXXXXXX ). As you can tell, those accounts still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies.

Plus, for the last 3-4 months, I'm getting generic template responses from your agency. It's my understanding reading the recent articles from cfpb website that Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX, after waiting 31 plus days for the 3 credit bureaus to delete XXXX XXXX XXXX ... I mail them letters to delete the Conns tradeline on the grounds it was never marked Consumer disputes .... they were reporting very incorrect balances and status. So as of XX/XX/XXXX ... they added the statement of disputed. They are now reporting the account as Open .... but a charge-off account cant be OPEN..!!! They have fraudulently reported a Missed PAYMENT .... after the fact they reported the account Closed on XX/XX/XXXX .... but they reported a missed payment that supposedly occurred last month, XX/XX/XXXX, on the XXXX CREDIT FILE. They are deliberately trying to victimize me. Again on the XXXX file they are deliberately reporting it as Open with a current missed payment. Fraudulently reporting is something hopefully you guys can see when I upload the documents. A Charge-off account cant be an open account. Please investigate and delete this fraudulently reporting company. Thanks in Advance