Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I received notification from my insurance provider that a claim was submitted and paid. I later learned that the service provider offered the claim incorrectly by submitting the claim to my wife 's secondary and primary insurance. I notified the XXXX XXXXXXXX XXXX, which acknowledges their discrepancy and advised that the claim will be submitted correctly, and the collection agency reported to cease collection activity. I subsequently received a notice from Americollect continuing to collect and advising me to make payment with them. I disputed the amount owing report # XXXX with XXXX. I submitted proof that the claim was paid via official documentation from XXXX XXXX XXXX with no liability owed as payment for the service is reduced. The service was done by a network provider and means the provider of service has agreed to accept the contracted amount, less any pricing changes due to modifiers that may have been submitted on the claim as payment in full. I spoke with an employee at XXXX who confirms receipt of my uploaded documents. The employee states that the information was forwarded to the collection agency for verification. I then receive an alert that the investigation is complete and verified as accurate despite proof that the claim is paid and I have no liability for an additional payment. I have provided documentation to Americollect, XXXX, and XXXX XXXX XXXX, and this negative debt remains on my credit report, adversely affecting my credit score. The debt should have never been placed in collection due to improper billing practices of XXXX XXXX XXXX, which acknowledges their error. I am also alarmed that when submitting proof of a paid claim to XXXX, they are not also verifying the accuracy of the information. They are just forwarding documentation without verifying information and accepting the accuracy of the reporting agent of the debt. If XXXX looks at the data, I submitted they would confirm that there is no liability. I am also a paying monthly consumer of XXXX, and the services provided is appalling.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to you today to inform the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts listed on an ID THEFT Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$14000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$300.00} 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Someone fraudulently opened a Home Depot credit card in my name and charged over {$9000.00}. I contacted Home Depot credit services when I first received the statement in the mail ( and multiple times since ) and provided them all of the information they requested to mark this as fraud ( I also filed a police report and reported to the credit agencies and froze my credit ), but XXXX XXXX is still refusing to acknowledge this as fraud and says I am liable for all of the expenses. Is this legal for them to do this?
Complaint sub-issue: Account information incorrect

I opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report XXXX says they own my account The account number they have is not my account number. I never opened an account with XXXX XXXX  and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1800.00} XXXX/XXXX  XXXX {$440.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I.C. SYSTEM, INC has placed a negative mark on my credit. This collection agency has not informed me of this debt or provided documentation or verification of what this debt is for.
Complaint sub-issue: Company closed your account

Received a notification from my banking app with N26. Was told that I needed to resubmit my identification again, for security reasons. I submitted my ID again to the app. This was yesterday on XX/XX/XXXX. Today, on XX/XX/XXXX, I receive an email that my account is now closed with no warning. I call N26 up on the phone, and after being on hold for 2 hours, I'm told my account was closed because of a new system update in place, I can open a " new '' account, and I may not speak to a supervisor.
Complaint sub-issue: Their investigation did not fix an error on your report

ERC : Enhanced Recovery Company Account # XXXX {$730.00} Opened : XX/XX/2020 ( FALSE ) Status is Open and reported on XXXX  and XXXX   ACCOUNT HAS BEEN DELETED BEFORE Reported account is reporting false information. I never opened an account with XXXX XXXX XXXX or ERC on XX/XX/2020. Account was deleted before as inaccurate but has been reported again. Predatory reporting by means of false dates.
Complaint sub-issue: Problem getting my free annual report

I used the FTC link for my free annual credit report. I want to receive a report from Equifax. Equifax is the most difficult reporting agency to deal with because they demand that consumers become a member in order to receive a copy of want is essentially a copy of our personal information. I have family members who have had problems cancelling what is advertised as cancel anytime Equifax membership in order to get a a copy of a credit report. 
I wanted to avoid the hassle of dealing with the membership. As stated above I used the FTC website link for the free annual report. I enter the required information, clicked next and when the Equifax page appears there is a banner at the top says " Our site is down, try again later ''. However nothing changes no matter how long I wait. Can you help?
Complaint sub-issue: Information belongs to someone else

There are fraudulent accounts appearing on my XXXX  and Equifax credit reports. The accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.These 3 charged off accounts and 2 collection accounts are fraud as I was a victim of ID theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX sent a notice to IC Systems to collect payment from me. IC Systems notified me that they will have to report to consumer report on XX/XX/20. The date of call was XX/XX/20. I explained to IC Systems that I never had active service with XXXX and I asked them to look at the system as this is easy to verify. IC Systems verified with me that I used 0 mins, 0 gb of data, and 0 inbound/outbound, from the creation of this account. I was sent 2 sims that never worked back in XXXX, the day after I received the sims, I contacted XXXX to let me know that the service didnt work in my area. I was told on that day that I would receive a {$0.00} balance on this account and it would be closed because I never actually used the service. Now 2 months later Im being threatened and seemingly pressured into paying for something I obviously never used. I will attach pictures with this complaint. Please notice the dates as XXXX seemingly has a policy in place to create unfair billing practices. They obviously dont abide by their own dispute policy as well.
Complaint sub-issue: Personal information incorrect

I've reached out to different reporting agency 's throughout the year of XXXX, from XXXX for them to report the correct address and employment,
Complaint sub-issue: Company closed your account

I contacted the customer service representative At Citibank on XX/XX/XXXX and requested a reallocation of my credit limit from one credit card to another of my Citibank credit cards. All of my personal security information was provided to the agent before she proceeded. She initially insisted my request was not doable but then she asked that I hold on to allow her to confirm that her response was correct. At this point, we were disconnected and when I called back and explained to a different agent about my dilemma he explained that Citibank policy dictates that agents must close out an account if they are disconnected from the cardholder. To me that is preposterous and I asked if the account may be reopened because I had the account since XXXX with a credit limit of $ XXXX. To add insult to injury, he said the account may be reopened provided he initiate a hard credit pull. I told him not to proceed with a hard pull because I did not authorize the close out and I Citibank should reverse the error.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hi, Per myself and Mrs/Ms XXXX 's ( excuse me if misspelling is involved ) on XX/XX/XXXX, I was told to resubmit the documentation to dispute and reconsideration my unauthorized/fraudulent activity illegal committed on my money network account resulting in my funds being stolen. 


My home was burglarized in XXXX police report # XXXX, in which the " theft '' my XXXX XXXX phone was utilized in to create a passcode with my Sim card ( which is a card in my phone that had my phones number & personal information [ is what XXXX police Sgt explained ] to utilize my full identity to autheicate me to fraudulently steal my funds. I also was a victim in XXXX of " identity theft '' in which my credit file now is required to have a " seven year '' updated fraud alert placed on it for my protection, in addition to my credit/personal information being found on the dark website as recent as XX/XX/XXXX, and as long as XXXX. 


I'm kindly requesting that my information be reviewed and money network and XXXX XXXX of the legal liaisons do their due diligence ( no offense ) in investigating my documentation and reversing my funds so my family and I can be, not recompensed, but made whole, as to our prior state when the IRS ( who has on their file the discrepancy and informed me to contact money network to be made whole ) distributed our stimulus. I will not stop, until my legal rights of due diligence are upheld, respectfully. 
( I've sent in additional Documentation yet the company will not provide a refund nor provide valid reasoning as to why my funds are being stolen with no reprimand ) Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # 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 an account without my written instructions.

15 U.S.C 1681c, ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted identity theft reports and police reports as instructed but Equifax refuses to remove these two items : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments COLLECTION ACCOUNT Contact XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX. 
Original Creditor Name XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RETAIL Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments RETURNED CHECK Contact XXXX XXXX, XXXX. 

XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XXXX Which are the product of Identity theft and in fact colluded with XXXX XXXX to give them my current address and phone number so that they can re-list the fraudulent debt as a new debt. 

Equifax has refused to remove this information 4 times even though the other two credit reporting agencies have removed it right away.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax and XXXX did not provide evidence. CFPB step up and delete ALL XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) XXXX,  (Original Creditor: ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX I discovered an inaccurate item posted to my bill from Citicards. I questioned it by phone and asked for documentation ... numerous times ... and numerous times it was promised and even said to have been mailed when XXXX 's own records proved it wasn't. ( When it was finally provided along with copies of the log I'd requested, it was apparent that I had been lied to on the phone re their sending anything to me that identified the basis of the disputed charge. ) This account was on auto pay/full balance. After telling XXXX, by phone to stop grabbing the money from my checking account ... to no avail, I had to order a stop payment against XXXX at my Bank ( for which I had to pay {$35.00} ) .When XXXX got the stop payment info yet another XXXX XXXX called me and finally looked at the account and recognised the error. Where upon I paid the full true balance due and directed that the account be closed, which was done, not quite timely ... but done. 
That last rep I spoke to also promised this misadventure would not be reflected on my credit report .... However, when I checked my credit report today ... I found XXXX reported I was delinquent for 3 months. My " deliquency '' was due to my refusal to pay the balance until I could get info re its legitimacy and until XXXX looked at it and corrected their error in wrongly seeking payment for an amount for which I was not liable ... and for taking that amount out of my linked bank account. 
While XXXX ethically should be responsible for compensating me for the hours I spent trying to correct their error as well as the {$35.00} stop payment charge I incurred that finally got their attention, I would be happy if they removed the adverse info from my otherwise pristine credit history .... although I wouldn't mind the {$35.00} as well. My resolve to never to do business with XXXX again ( which one of their reps arrogantly replied was of of no matter to them, when I spoke to her ) will assure this never happens again, at least not with XXXX.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I recently found a US Bank MasterCard gift card I had purchased about two years ago. I tried to use it on XX/XX/20, and the charge was denied. I noticed on the front of the card it had expired in XX/XX/20. I went to the website listed and was told to call an # XXXX number. I called the number, entered the card number and three digit pin and was told I would be transferred to a representative. The call was transferred and I heard another message saying, " Due to Covid-19 wait times are longer. '' The call then rang as if I was being transferred, but after one ring the call  disconnected. This has happened repeatedly since XX/XX/20.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report unauthorized inquiries on my credit report. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ;
Complaint sub-issue: Problem with personal statement of dispute

How is it possible that more than 4 months after I started sending letters to the credit bureaus they haven't done anything for me? I know people who started sending letters long after me and they already have the results of the investigations. So it means that I have less rights than others?
Complaint sub-issue: Account status incorrect

Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX, Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report. 

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX collection agency has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.
Complaint sub-issue: Account information incorrect

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

XXXX account # XXXX 15 U.S.C 1618 Section 602A states I have right to privacy. 15 U.S.C 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 1618c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.