Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I had 2 accounts with XXXX XXXX XXXX. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XXXX XXXX 2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX 2018.Which was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down 200 points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/21 I noticed a collection showing on my Equifax report. The negative account shows up as : ( ORIGINAL CREDITOR : ) BAL : {$180.00} STATUS DERAGATORY ACCOUNT # XXXX When I tried to dispute this I was not able to send out a letter because other than ( ORIGINAL CREDITOR : ) there is no name to a business that exists, no address attached. There is no way for me to be able to dispute this account which therefore violates the laws under the umbrella of The Fair Debt Collection Practice Act which prohibits debt collectors from engaging in " abusive and deceptive '' behavior when they try to collect a debt. I made Equifax aware of the situation but yet they did not find the grounds to delete this from my account or they simply got careless. Since I have no way of speaking to the creditor I ask that Equifax honor the law
Complaint sub-issue: Debt was result of identity theft

Notice for Proof of Claim Account : Afni, Inc. LP BAL {$640.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Complaint sub-issue: Debt is not yours

I do not owe Americollect. I never had a contract with them.
Complaint sub-issue: Account status

All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after XXXX CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus never did proper investigation according to the FCRA. It has been XXXX or more years now since I've pay off my loan an i still seeing a charge off on my credit report. The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general, reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with other with whom he is acquainted or who XXXX have knowledge concerning any such item of information. They did not do this. Also they have violated my rights ever more. In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigation but how is so if the inaccurate an the account is not deleted this ground foe removal. They also violated the laws because according the 15 U.S.C 1681 section 602 A. state i have rights 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. I did not give anybody written instruction.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I put in my information in XXXX to see if I could get a lower rate on my auto loan. I was contacted by email by many potential companies about a new loan, including, on XX/XX/XXXX, XXXX XXXX. I replied, asking the XXXX XXXX representative XXXX for their general rates. She replied with a list of rates, at which point I never contacted XXXX XXXX again. Two days after ( XX/XX/XXXX ) I received an email from a credit monitoring website that XXXX XXXX had initiated a " hard pull '' of my credit. I emailed them asking for an explanation, as I had never filled out a loan application or given consent to a credit check. I did not hear back from them. 

I contested the check with the credit reporting agency, Equifax, which denied my request, saying that the credit report was " factual ''. A brief XXXX search of " XXXX XXXX pulled my credit without my permission '' reveals that this is a standard practice for this company.
Complaint sub-issue: Company closed your account

Well what happened is during a hardship that all my creditors were notified of the former job loss on XX/XX/XXXX of XXXX and then again after that job loss that was due directly to positive XXXX test that my son and I hand and also medical concerns and while trying to work with my mortgage company to modify my home loan with the energy efficient refinance plan as I have requested for permission back in XXXX of this year from my home loan service provider to rent out my property instead of selling my home as we are moving and that rental income is needed due to this hardship I had went to Home Depot to get some paint and things to get my home ready to move into for a renter and upon purchase was told that my card did not work so I called the credit card company as I have a credit card with Home Depot which I have only used and then immediately repaid each and every time and have never left a balance on in the entire time that Ive had it and I was told by the company that they took it upon themselves to cancel my account.
Complaint sub-issue: Debt is not yours

Over 2 months ago I demanded validation of the debt that AFNI is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.
Complaint sub-issue: Account status incorrect

SEAR/CBNA ( CitiBank ) This account was opened in XX/XX/XXXX May last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting Citi Bank re-aged the account to show closed on XX/XX/XXXX as a Charge off. 
I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I AM WANTING TO KNOW THE REASON AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX ( XXXX XXXX ), IS STILL REFLECTING ON MY CREDIT REPORT WHEN I CLEARLY ATTEMPTED TO GET IT REMOVED SINCE : XX/XX/2019. I HAVE SUPPORTIVE DOCUMENTATION THAT THE ACCOUNT SHOULD NOT BE REPORTING AS A CHARGE-OFF STATUS WHEN I PAID IT IN FULL, THERE IS NO BALANCE WHAT SO EVER. NO ONE HAS DONE ANYTHING ABOUT THIS MATTER AND IT IS CRUCIAL TO GET THIS REMOVED RIGHT AWAY. IT IS HINDERING ALL ASPECTS OF MY LIFE AND NEGATIVELY IMPACTING MY CREDIT SCORES AS WELL.
Complaint sub-issue: Account information incorrect

As stated before about my identity theft that took place in XX/XX/XXXX. I was awaiting on validations on original handwritten signatures and a copy of contracts on 8 creditor accounts appearing on Equifax and XXXX  credit reports. Since the previous dispute found on complaint reference # XXXX to XXXX  and on complaint reference # XXXX to XXXX  XXXX XXXX XXXX- ( Act. # XXXX ) was the only creditor able to validate themselves with my original signature and original contract information. 

As a result of original dispute, XXXX, rightfully, according to my legal rights through section 609 of the Fair Credit Reporting Act deleted these 7 accounts from Its credit reporting because they were not able to produce the original handwritten signature or/and the original contract needed. 
These are the accounts they deleted as being non-valid and possible fraud : XXXX XXXX XXXX . XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

Account below should be already deleted since no original signature and original contract has been shown for : XXXX XXXX ... Act. # XXXX Since the original dispute I needed an original hand-written signature and the original contract within 30 days of the time the dispute was made according to my rights shown in section 609 of the Fair Credit Reporting Act. 
I already asked, since XX/XX/XXXX that you send me copy of my authentic signature and the original account contract for these account ( circled in attached credit reports ) : Since an original signature and original contract were not able to be shown within the time frame given there is a breach with the legal code of section 609 of Fair Credit Reporting Act. 
I'd request both EQUIFAX and XXXX  to follow in agreement with XXXX  and delete these creditor accounts from their reports as well. Right now your reports are in discrepancy with how XXXX  is reporting with 7 of these 8 creditors.
Complaint sub-issue: Debt resulted from identity theft

XXXX has placed me on collection for cable services to a person who is using services in the XXXX. They continue to attempt to collect on a wrongful account # XXXX. Services are being provided to an address in the XXXX where I do not reside or know anyone at this address. This is not my first wrongful debt incident with this company that I suspect is purposely doing this.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. Date of Birth is XX/XX/XXXX. My social is XXXX. Please do not respond to this complaint saying you can not locate me in the system as I know this is a stall tactic and i provided my ID for this reason. 


I reached out to XXXX XXXX on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. I attached the enclosed information. I filed a CFPB complaint on XX/XX/XXXX advising that the information was not validated. They responded advising that they validated the debt by sending the information that was merely the name of the original creditor and alleged dates of service and amount owed. I filed another CFPB complaint on XX/XX/XXXX advising that XXXX has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. I received in the mail on XX/XX/XXXX all of my medical records for the alleged debt which includes services rendered, medical tests I received, detailed medical information, etc. This company violated my privacy in which I am protected under HIPPA laws. They sent my medical records WITHOUT a HIPPA release form. I never gave covenant medical group permission to release my personal information such as specific treatment or medical tests I received outside of basic collecting information. This company knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They failed to use reasonable care during business and failed to use even minimal procedures to ensure that I was not harmed. I will take any and all necessary steps to protect my rights. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Since you are the reporting agency reporting this information that is inaccurate and violating my rights, I will include your company in a potential lawsuit. Should you continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. These accounts need to be deleted off my credit report expeditiously : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

EQUIFAX LLC AND XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY NAME, SUCH AS HARD INQUIRIES ON CREDIT REPORTS AND XXXX XXXX WILL NOT OR HAS NOT SEALED MY XXXX XXXX REPORT AS I HAVE ASKED THEM TO DO FOR 5 YEARS SO FAR. 
EQUIFAX LLC. HAS NOT REMOVED FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT DUE TO ID THEFT. 
AS STATED IN THE FCRA.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX  XXXX  XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

While in the process of closing on my house this company popped up on my credit report regarding an account I closed 5 years ago. This account closed because I no longer worked for the company. I have records showing that the only balance I owe is {$.00}. This company of attempting to collect {$1200.00}. I was never notified of this balance until 5 years later.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a car along with Volkswagen credit the car blew up if you see any news in XXXX theres a major issue with Volkswagen cars I had an issue with the engine in the injectors and I return the vehicle they are now trying to destroy me seven years later and they should no longer be on my credit and it should be resolved I dont know what to do I need your help
Complaint sub-issue: Was not notified of investigation status or results

Pursuant to 15 usc 1681a ( XXXX ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.
Complaint sub-issue: Personal information incorrect

In XX/XX/2018 I disputed an inaccurate account with Equifax. In XX/XX/2018 Equifax responded back saying the account was verified. The account showing inaccurate information is XXXX XXXX XXXX   account # XXXX and XXXX XXXX XXXX account # XXXX I received a copy of a statement from XXXX XXXX XXXX on the Account ending in # XXXX and # XXXX and both statements are showing an address not associated with XXXX XXXX XXXX. I have enclosed the copies of both statements on the account showing the address not associated with XXXX XXXX XXXX the address showing on the original creditor statement is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. Please remove this inaccurate account or i will file a suit. All credit bureaus are supposed to report 100 % accurate information. All credit bureaus are supposed to conduct a reasonable investigation. This is not a reasonable investigation as for your company would have caught that the address on the account ending with XXXX and XXXX is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I received a copy of the statement from the creditor and the address is listed with an unknown address, please remove these account from my credit file. I have enclosed copies of the statement from the original creditor thats reporting on my credit report. My address is XXXX XXXX XXXX XXXX XXXX AR, XXXX and I have sent in my id to confirm my address. you must remove these account this account isn't verified accurate with the address from the original creditor.
Complaint sub-issue: Information belongs to someone else

This account listed on my credit report must be removed. It does not belong to me. I have filed several complants through the FTC, directly with the creditor etc ... .yet it is still showing on my credit. If it not removed I am going to file a lawsuit due to violations of the FTC, FDCPA and FCRA. 

The Account is : XXXX XXXX Balance {$11000.00} Opened : XX/XX/2011
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report.a derogatory mark on my credit report per XXXX  XXXX, XXXX Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract for this accused debt at all or signature for this does not validate the debt and anybody can be sent a bill and say its mine. According to the FCRA, XXXX. XXXX  has violated my rights as a consumer and I'm requisitioning legal action to remove this account immediately. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have ordered tires on the XXXX of XXXX for {$1100.00}. 

On the XXXX of XXXX the merchant ( XXXX XXXX AZ ) charged me {$1000.00} and received an email invoice saying that XXXX card was charged {$1100.00}, however the total amount states {$1000.00}. 

On the XXXX of XXXX I noticed that I was charged again for XXXX by XXXX XXXX XXXX  XXXX XXXX AZ. 

The merchant names are different on the statement, but they include the same phone number. 

I called the merchant, they confirmed that they are having issues with their billing system and asked me to try to get the money back through my bank as that's the easiest way. 

I have filed dispute twice charges, but they were rejected. 

I have only authorized {$1100.00}.
Complaint sub-issue: Information belongs to someone else

I have notified Equifax XXXX  times in XXXX months in writing and provided proper documentation including police report, identity theft packet a court order and state issued photo identification. They did not respond within 30 days and did not block the fraudulent accounts from my report within the required XXXX business days. When I call they are not helpful. They are not following the FRCA at all. XXXX has already removed them and blocked them but Equifax has done nothing.