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

Got a bill from a medical office I have never been to. I then got a notice from professional credit service XX/XX/19 and told them I've never been to XXXX hospital but they should figure out the bill description in case my hospital XXXX or my family practice doctor ordered something from them. I heard nothing for awhile then heard again from them and told them the same thing and now I haven't heard anything so I figured they were wrong for charging me.
Complaint sub-issue: Their investigation did not fix an error on your report

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

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

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

XXXX I have contacted Equifax more than 5 times due to the Company reporting inaccurate information on my credit report They are reporting a XXXX XXXX XXXX  on my report that is not ONLY inaccurate but it also has several inconsistencies- The High Balance is Incorrect The Account is reporting as Charge Off - Yet it is reporting a balance which is INACCURATE reporting They are failing to provide me with proper documents to verify this account! They only responded in XXXX of 2021 stating the account is verified and they failed to respond to reinvestigation request! 

The account has tons of errors and they are not properly verifying nor honoring my right to dispute information on my credit file!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Sally Mae put my loan out of forbearance and wants an increased monthly payment of XXXX XXXX  month. Will not lower monthly payments or work with me since I have a cosigner. Calls 3 times a day for debt collection and has found my family phones numbers and is now calling them several times.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 Balance : {$4400.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I want to have a written letter stating that when I pay this debt off it will automatically be removed from all of my credit report for all 3 credit breuer
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Sued where didn't live/sign for debt

XXXX, XXXX CA and Schreiber / Cohen, LLC, XXXX NH. 

I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XX/XX/XXXX, therefore I was not receiving the notices. XX/XX/XXXX I was served by a XXXX with a XXXX notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX of Schreiber/Cohen and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XX/XX/XXXX I reached out to XXXX, Chief Compliance Attorney for Schreiber/Cohen to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XX/XX/XXXX that no further legal action will be taken. On XX/XX/XXXX I received a forwarded letter with a State of XXXX Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XX/XX/XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
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 to privacy and confidentiality under 15 USC 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, 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 or 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: Information belongs to someone else

XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER XXXX FCRA GUIDELINES.
Complaint sub-issue: Their investigation did not fix an error on your report

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA,  FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection
Complaint sub-issue: Debt was result of identity theft

I have attached my id theft report to prove this account is not mine. Fighting this fraudulent account has been very inconvenient for me. Please remove this account as I have attached proof of it not being mine below.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX, XXXX Account Number : 519. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. 3. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. 4. Account Name : XXXXXXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity theft and the inquiries reported on my Credit Report were the result of such crime. I have been disputing for the removal of the unauthorized inquiries and yet the Credir Bureaus became ignorant of the letters I have been seding. I have read that under the FCRA sectrion 605b, The Credit reporting agencies are required to remove any account and information that resulted due to identity theft. I need the folloeing disputed unauthorized inquiried to be removed from my Credit report as soon as possible : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX Inquired XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX
Complaint sub-issue: Debt was paid

I moved from XXXX XXXX XXXX and I cancelled all my XXXX XXXX XXXX XXXX services and returned all the equipment. I made sure with the representative that everything was paid with a zero balance. When I applied for a loan in XXXX I was told XXXX XXXX/ERC had placed a derogatory collection amount n my credit report, I never received any calls, mailings etc and when I called the ERC representative she said that she could not send out any documentation to prove their claim, that it was all only her screen. When I called spectrum they dais they can not send out any information because it was being handled by the collection agency ERC. Bottom line I paid everything there was a zero balance and they are giving me the run around with ZERO documentation that I owe them anything. 

I want this collection account removed from my credit report immediately.
Complaint sub-issue: Account status incorrect

I recently had my credit report pulled and saw a " Acct in dispute ''  for Citicards CBNA. The c redit report states that the account was closed back in  XXXX - XXXX  and even though I have had many many credit reports pulled since then, this is the first time " Acct in dispute '' has ever shown up.     The remarks on my credit report are : " Closed by Consumer ; acct in dispute ; acct in dispute under fcba/closed by consumer ; paid '' I am not sure what this is for or why it is showing " acct in dispute '' when the account is paid with a {$0.00} balance.     Please help me resolve.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed multiple inquiries on my credit report that I do not recognize. There are also inquiries that I do recognized but never consented to have the inquiry placed on my report. The follow is a list of these above mentioned inquiries I would like removed from my report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears that someone other than me has obtained my personal information and has been attempting to use it try and get credit with it. With this being a major issue for me I would like to place a credit freeze on my account and given further instructions on how to proceed with the situation. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. In Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Threatened to sue you for very old debt

This company is attempting to collect on a debt from an overdraft bank account from US Bank. This account was closed in 2006 and during this time US Bank failed to investigate this fraudulent overdraft. 

In XXXX, XXXX XXXX contacted me by phone stating this said debt. I ask for a statement of this debt and they sent me one, received in XXXX. 

This statement contains coercive language and wording to make a person pay on their said debt. 

In my opinion, US Bank is using XXXX XXXX as a front to collect an improper debt and not be held accountable for this illegal action. 

This statement from XXXX  can be uploaded to your office.
Complaint sub-issue: Account information incorrect

Equifax, XXXX and XXXX all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.
Complaint sub-issue: Their investigation did not fix an error on your report

The account was closed after the equipment was returned. XXXX keeps the account open without any services provided and then claim an amount to be paid and tuns it into collection. This way of intimidating customers not to cancel services because of XXXX overpowering forces of illegally misrepresent customers ' credit report.
Complaint sub-issue: Account status incorrect

Entered into a forbearance around XXXX 2022 and agreed to due a deferral with first payment due XX/XX/XXXX. 

Made the XX/XX/XXXX payment EARLY on XX/XX/XXXX for {$1500.00} by phone to be applied to the XX/XX/XXXX payment. 

XXXX DID NOT UPDATE the website address for payment of XX/XX/XXXX, so I paid again, a second full mortgage payment on XX/XX/XXXX I paid twice because I was terrified I would be reported late, even though they received the payment on XX/XX/XXXX that was due XXXX. 

I learned on XX/XX/XXXX, my XXXX FICO score had dropped from XXXX to XXXX because XXXX reported 60 days late in XXXX. They are reporting 60 days past due on ALL 3 CRA 's - Equifax, XXXX, and XXXX killing my credit and financially ruining me. I was in a forbearance program, called XXXX three or four time to ensure this would not happen and verified my first payment due was XX/XX/XXXX with the deferral program. Despite paying twice and being in a forbearance program, XXXX reported 60 days late twice for XXXX. 

I was rejected solar financing for a loan due to a XXXX credit score. The solar loan would cost me $ XXXX instead of paying {$320.00} for electric bill. I am also in jeopardy of having my credit cards closed due to XXXX reporting 60 days late in XXXX. 

XXXX has ruined my credit and finances with their erroneous financial reporting to the CRA 's. They are also jeopardizing my finance with wrong statements made and requests asking me to make a XX/XX/XXXX payment they already received in XXXX. The next payment due should be XX/XX/XXXX, as they have received two payments since XXXX to XX/XX/XXXX, with the first payment due XX/XX/XXXX. 

Please help - forbearance under COVID was not to be reported late, yet XXXX reported 60 days late to each of the CRA 's, double billed me for the first payment due XXXX and has devastated my finances.
Complaint sub-issue: Old information reappears or never goes away

I have contacted Equifax several times to get a XXXX communications debt off of my credit report but it keeps coming back every few months. An account was opened in my name when I was XXXX and without my knowledge. I have supplied frontier and Equifax with my identification to get this resolved. It goes off my report then comes back on.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I ask for payment history information for the below accounts as well as verification both XXXX accounts are mine. 

I received my credit report but you still haven't provided payment History for the following accounts. Please send me payment history information with copy of my last payment and proof of payment including date of first delinquency for the following account : XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX I nee payment history and If you can't provide payment history & a copy of my last payment to these creditors please remove and delete these accounts. Thank you.
Complaint sub-issue: Attempted to collect wrong amount

Hunter Warfield is a debt collector that purchased a debt from XXXX, an apartment complex in XXXX. In XX/XX/2016, they fraudulently placed a collection account on my credit reports. Upon obtaining the account documentation from Hunter Warfield, it was clear that the account was fraudulent, and not only did I not ever owe XXXX ( and accordingly Hunter Warfield ) any money, they actually owed me money. However, my attorney made Hunter Warfield an offer of settlement - remove the collection from my credit reports, and I would not pursue recovery of the funds owed to me ( plus attorneys ' fees ). 

Although Hunter Warfield never responded to my attorney 's numerous emails and calls, they did remove the account from my credit report. Now, more than 6 months later, they have re-reported the same debt, which they know to be both fraudulent and non-collectible. This is a clear violation of both state and federal debt collection practices, and is only an attempt to extort me for the funds.