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

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor XXXX XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX  - Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : S XXXX   Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Complaint sub-issue: Debt was paid

Today I contacted Receivables Management Systems and made a payment in full for two accounts totaling close to {$250.00}. I asked for a pay for deletion and was told to send a written request. I noticed that amount reporting is {$31.00}. I called back to see why the balance was reporting was only {$31.00} with the bureaus and was told that they were not sure and there was no pay for deletion. I am not working due to COVID-19 and used some of my stimulus money to pay the balance. I wanted to pay what was due but was misrepresented with the incorrect balance and information. Furthermore my Hippa rights have been violated.
Complaint sub-issue: Debt is not yours

ERC contacts me and leaves call-center sounds on my cellular telephone answering service. However, today I was able to answer the telephone before it went to the answering service. The caller did not identify herself other than to ask for " XXXX XXXX, '' whom I promptly informed her was nobody known to me. She then hung up abruptly without explanation. I used a call-tracing service to determine this was ERC and asked them directly and through the Federal Communications Commission to cease and desist calling me as I am not whom they seek.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Complaint sub-issue: Debt was paid

Date of medical service : XX/XX/2020 Location : XXXX XXXX XXXX XXXX XXXX, XXXX, GA Amount : {$640.00} Action taken by me : Patient balance of {$90.00} has been paid ; my insurance XXXX XXXX XXXX XXXX has paid {$1100.00} The unrecognised company The XXXX XXXX XXXX located in XXXX XXXX, Main, sent me an Invoice demanding me to pay extra {$640.00}. I wrote to them asking their relation with XXXX XXXX XXXX ; but no response! Finally, they sent my debt to collection agent I. C. System , Inc dropping my credit score by more than 34 points.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : Equifax XXXX and XXXX. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : XXXX and XXXX. I have no financial obligation with your company please delete this information from all credit reports like Equifax has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and XXXX. I have no financial obligation with your company please delete this information from all credit reports like Equifax has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Equifax, XXXX XXXX I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and XXXX  I have no financial obligation with your company please delete this information from all credit reports like Equifax has done. 


5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Equifax and XXXX. I have no financial obligation with your company please delete this information from all credit reports.

5. Account Name : XXXX XXXX LP Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  I have no financial obligation with your company please delete this information from all credit reports like Equifax and XXXX have done, for thsi account is and never has been mine
Complaint sub-issue: Reporting company used your report improperly

Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of Account : Collection Account Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Collection Account : XXXX XXXX XXXX  Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Paid Account/Late Payments : Account Number : Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely,
Complaint sub-issue: Debt is not yours

I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
Complaint sub-issue: Reporting company used your report improperly

I called LEXIS NEXIS and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. please abide by the fora laws
Complaint sub-issue: Their investigation did not fix an error on your report

I am bothered by the indifference of the Credit Reporting Agencies! I have been sending multiple written letters requesting that the Credit Bureaus investigate and update the status and information being reported by the following accounts on my Credit File. The accounts : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance {$310.00} Date opened XX/XX/XXXX ; are reporting erroneous information on my Credit File and I want to know where do the Credit Bureaus reference the information they report. Under the FCRA section 609 and 611, the Credit Bureaus are required to investigate and provide proofs of verification of any disputed accounts from my Credit Report. But despite all my efforts, the Credit Bureaus have done nothing! Their willful non-compliance with the FCRA is a clear violation of a consumer 's rights. I need the disputed accounts corrected immediately!
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXX On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXXXXXX XXXX XXXX On the day of each inquiry, I was notified by XXXX and both XXXX and myself called XXXX to notify them that was not me the application was fraudulent. 

XXXX took the appropriate actions and notified XXXX, XXXX XXXX and Equifax. 

XXXX and XXXX XXXX both removed the hard inquiry within a couple weeks. 

PROBLEM - Equifax will not remove without a police report. ( Police will not make a report since nothing was stolen ) I have tried for months - Two Hard Inquiries remain only on their report PROBLEM - XXXX helped during the initial dispute but now has no idea what to do. I asked them to notify Equifax that these two inquires are fraudulant and must be removed.
Complaint sub-issue: Information belongs to someone else

I submitted an identity theft and police report to XXXX, XXXX   and Equifax and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off my report.
Complaint sub-issue: Not given enough info to verify debt

Recently noticed a debt collection record from ERC ( Enhanced Recovery Corporation ) for XXXX account stated as opened on XX/XX/XXXX. I was not residing in US from XX/XX/XXXX to XX/XX/XXXX. Also I did not got any letter later for account opened in XX/XX/XXXX.
Complaint sub-issue: Right to dispute notice not received

I received an alert on my credit report for a collection by Enhanced Recovery. I contacted their office to see what the collection was for. They stated it was a bill from XXXX. This is an account from XX/XX/XXXX that had been previously deleted from my credit report in XX/XX/XXXX under another collection company called XXXX financial. I have not received any notification other than the alert from my credit monitoring service. If it is verified that I owe the bill, I have no problem paying the bill. The problem that I have is a company submitting something on my credit report without notifying me.
Complaint sub-issue: Information is not mine

An account on my credit file is not of my own doing. Unbeknownst to me XXXX XXXX placed me onto her credit cad with XXXX XXXX as an authorized user in which she opened XXXX XXXX, 2016 with a credit line of {$3000.00}. I contacted XXXX XXXX and had myself removed and advised I need this information removed from my credit file and was advised it would not be reported if I wee removed immediately. I explained to them I never asked for this and was not aware of this. I also contacted Equifax, XXXX and XXXX and was advised to contact the creditor. I am being told by the credit bureau to contact the creditor while the creditor says contact the credit bureaus. I want this removed from my credit report immediately.
Complaint sub-issue: Account status incorrect

This letter is a formal complaint disputing the inaccurate reporting to Equifax, XXXX, and XXXX by XXXX XXXX, XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to Equifax, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from Equifax, XXXX, and XXXX and provide me written proof that this has been completed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX AMERICOLLECT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, AMERICOLLECT ( Original Creditor : XXXX XXXX   XXXX XXXX  ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Discover card placed a hard Inquiry to XXXX without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything Discover has asked me to do as they have admitted they have no knowledge why I have an Inquiry.
Complaint sub-issue: Information belongs to someone else

they DON'T REMOVE NOTHING OR SHOW ANYTHING THATS THE LAW.
Complaint sub-issue: Debt was paid

In XX/XX/XXXX I contacted by phone XXXX XXXX XXXX XXXX to setup Internet for my apartment. In exchange for agreeing to one year contract to keep the Internet service the company agree to price lock of two year and give me a tablet computer with 100 mb of data per month. In XX/XX/XXXX I  move to a place where I had a choice of Internet providers and I returned all of the equipment that the company requested me to return and paid the finial bill and closed the account with no money due. Now XXXX XXXX XXXX has turned over my account to and ERC account number XXXX phone number XXXX. XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. 

Since all terms of the original agreement has been satisfied I consider any attempt to collect on a debt to be fraudulent on the part of this company. The company has placed a mark on my credit report and I would like this removed and the company clear this fraud immediately. 


Thanks, XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

One XX/XX/XXXX I made my XX/XX/XXXX mortgage payment in the amount of {$1400.00} to XXXX XXXX. They cashed this check on XX/XX/XXXX which was deducted from my checking account. I have a copy of the check from the bank that shows XXXX cashed it as well as my bank statement that shows the withdrawal. XXXX reported to the credit agencies, XXXX and Equifax that my mortgage was past 30 days late. I contacted XXXX to get this resolved and have not received a resolution. I filed a dispute with Equifax and XXXX and provided proof from my bank and my bank statement that shows the check was cashed 6 days later. 

On XX/XX/XXXX Equifax finalize their dispute which indicated that XXXX verified that the information they submitted was correct. I don't believe that Equifax reviewed the documents I mailed in regarding my dispute if so how in good faith could they have accepted the verification from XXXX XXXX. XXXX XXXX clearly falsified this information which has now impacted my credit score.
Complaint sub-issue: Can't use card to make purchases

Discover provided me the option to lock/freeze my credit card in order to pay down debt. Now they are refusing to unlock my account.
Complaint sub-issue: Investigation took more than 30 days

This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX CA XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXXXXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX