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

I am disputing a paid collection that is being reported on my credit report by Equifax from a company named XXXX XXXX XXXX. This company has no legal right to report this false information. This account was closed from XXXX XXXX XXXX and returned to the original creditor XXXX XXXX XXXX who has the legal right to do with the account as they see fit. A lot can happen in a little over 4 years including account ownership. 

I have attached a copy of a bank statement, clearly Showing that XXXX XXXX XXXX was never at any time paid anything as well as the method of payment, the dates and amount tender. Also at various times you all have claimed this account had been sold to which there is no proof of such a sale. I have also attached additional bank statements showing that this account is alive an active to this date, yet in your reporting you list it as paid and closed. How is that possible? It clearly shows that both XXXX XXXX XXXX as well as the CRA 's have no idea of the transactions that have transpired to this date, it also shows that on previous disputes you the CRA 's have fail to do a reasonable investigation. 

I am also requesting the method of verification, which is my right under the FCRA section XXXX ( a ) ( XXXX ). 

Also I assume that each of the CRA 's are fully aware of the agreement that was reached with the XXXX of the state of XXXX and XXXX with the state of XXXX falling under the XXXX agreement. 

The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). 

The CRAs shall implement a process designed to effectively remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. Such efforts may include, but are not limited to, sharing best practices for key words and screening procedures designed to identify debt that did not arise from any contract or agreement to pay. 

I am requesting under this agreement that proof be shown that this so called paid collection resulted from a contract or agreement to pay. This information should be readily available since this so called debt was sold as well as reported. 

You can not have a so called paid collection and reported as closed when this very Account is used to this date and in good standing. Your paperwork and so called reporting Do not match up with what are the facts. 

Please remove this false and inaccurate reporting immediately from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

The bankruptcy court supplied me with a letter that they did not report a bankruptcy to the credit agencies, instead of removing the incorrect information that did not belong to me they instead only removed one of the two errors and told me I have to send in another duplicate letter I already sent them claiming they can only remove one derogatory remark at a time this is the second request they have ignored the first was my request of 9 hard inquiries I did not authorize a letter was sent and now a second letter request was sent and they have failed to address this by supplying me with documentation baring my signature for these items on my credit report so they have disregarded my rights to the fair credit reporting act 611 ( a ) ( 1 ) ( A ). Then Equifax only removed the reporting source of the U.S bankruptcy court but shows as a derogatory public record which did not remove the incorrect derogatory information instead left it on my report without any source of reporting agency information and failed to supply me with the method of verification that I requested and updated my personal information with incorrect information regarding my employment that was not disputed and shown correct before, I have been at the same employer for the past 14 years so there was no reason to make that changes to my personal information without any source of changes from any agency. As well as pulling a hard inquiry I did not authorize with their company. I can only assume they did all of this purposely because of the unprofessional conversation I had with their agency. Their practices in resolving my issues has violated the fair credit reporting act section 611 ( a ) ( 1 ) ( A ).
Complaint sub-issue: Information belongs to someone else

This Account Is Fraud This is very Stressful that I'm a victims Of identity theft I'm a Single Mother That work very Hard for someone to steal My personal Information is just wrong
Complaint sub-issue: Funds not handled or disbursed as instructed

Initial error is mine. Neighbor A asked me to pass money to Neighbor B using XXXX service. The effort failed. Neighboe A asks to XXXX me {$1500.00}. XXXX XXXX  publishes that they accept XXXX ( but that is not true ). I appove and recv {$1500.00} on XXXX and can not access it. I have a dormant Ally Bank account and send the money there. Problem is- we actually have two Ally accounts but one is forgotten entirely. 

I am now in control of the {$1500.00}. I go to XXXX and send the money to Neighbor B, funded by the forgotten Ally account. The available balance is XXXX, but Neighbor B recvs the {$1500.00}. It looks like this task is behind me. It is not. 

XXXX sent the {$1500.00} in violation the agreement between XXXX and me. Their incompetence and/or criminal negligence has no direct bearing here other than the fact that I now owe XXXX {$1500.00}. 

At this exact moment, I do not recall how the {$1500.00} debit in my wife 's account was created. It is part of this. The situation is- we also have a {$1500.00} debit to Ally. 

Somehow, the act of passing {$1500.00} from my right hand to my left hand cost me {$1500.00}. 

Ally Bank refuses to look at two accounts concurrently. Ally Bank does not provide a mechanism to help resolve this matter. Instead, Ally Bank is sending threatening letters to my wife. Ally Bank treats us like criminals on the phone. 

I know the whole " this call is recorded '' routine is just so much XXXX, but listen to the calls I made. I am begging Ally to assist and there is nothing in the cashier 's script that results in an actual thought process.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX never had Auto Loan with XXXX XXXX XXXX. This account was disputed with the nureaus. But, however Equifax Credit Bureau held the fraudulent account on my credit file
Complaint sub-issue: Threatened or suggested your credit would be damaged

My husband is a Veteran we was living at an apartment in XXXX XXXX, due to financial difficulties we had to break the lease. We paid all our rent up to the month we left. We break the lease 2 month before the lease was up. For the 2 years we were living at the apartment we never miss a payment or paid late. When we were leaving we went to the office spoke to the apartment personnel about breaking the lease and told them we will pay when our situation change they promise they wont put it on our credit and turn around and sold it to a collection agency that place it on our report and has been bugging us. This fee is just for breaking the lease 2 month before it ended not for owing rent now we have to stay on base with a family member because we cant get anywhere to rent with that on our report
Complaint sub-issue: Their investigation did not fix an error on your report

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 these 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 following erroneous information that needs to be investigated and corrected : 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
Complaint sub-issue: Their investigation did not fix an error on your report

I recently paid off a vehicle loan. To my suprise the lending company issued a 60 day delinquency againt my credit report. I have not missed a payment in 5 years. I have not received my vehicle title from loan company. I have atempted to speak to company representative /supervisor but No superior is ever available. Ive called company 3 times to get vehicle title. The company claims title was mailed on XX/XX/XXXX. It is XX/XX/XXXX I attempted to resolve issue with lending company but no resoluton was reached. I sent dispute to three credit reporting companys but issue was not resolved. My credit score dropped over 80 points. My credit score is now in the low 600 's
Complaint sub-issue: Problem with personal statement of dispute

The statue of limitation is up and this negative items are still on my credit report and i wish to have them removed.
Complaint sub-issue: Information belongs to someone else

I did a background check with Checkr for my job and there was something stating I had an unregistered vehicle charge that was done on XX/XX/XXXX however I did not obtain my license until a few months later in XXXX of that year. During that time, both my parents names were on the title of the vehicle. I switched the title in my name in XXXX or XXXX. Obviously this information is incorrect and needs to be fixed immediately
Complaint sub-issue: Account information incorrect

XXXX continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address XXXX uses to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - Ally Bank XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX  XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX  XX/XX/XXXX *Inquire - XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX Bank XX/XX/XXXX ( XXXX ) Associated XXXX XXXX po box
Complaint sub-issue: Was not notified of investigation status or results

My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Equifax reports my middle initial as XXXX  which is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.
Complaint sub-issue: Account status incorrect

I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by Ally Financial. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on Ally Financial 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX and XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. Then XX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXX because of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
Complaint sub-issue: Fee problem

I am the XXXX  for a small not for profit XXXX that supports the local middle school. We bank with BBVA. On XX/XX/2021 went on-line to pull the bank statement for a local and noticed there was a bank charge with a very vague description. I called the bank for more information on the charge. I was on hold for over 30 minutes. When I finally reached a representative she told me that the charge was probable for an excess deposit. She could not give me the terms for the bank account or describe what constituted an excess deposit ( the XXXX had made less than {$3000.00} is deposits for the month in question ). She then told me the terms of the account were unavailable and unknowable. I requested the charge be reversed since the bank could not articulate why the fee was charged, could not give me the terms for the account or otherwise indicate how the mystery fee could be avoided in the future. She declined to reverse the charge and only offered that I call back in a week and hopefully at that point they would know what the terms were on the account.
Complaint sub-issue: Information belongs to someone else

if noticed i am a victim of identity fraud with the accounts listed below XXXX  XXXX XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX  XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance XXXX XXXX  Original creditor
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business  days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my credit file.
Complaint sub-issue: Information belongs to someone else

I have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was aware of this fraud account on my credit XX/XX/2014  XXXX XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2014, I have been trying to get this account removed off of my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX account # XXXX, XXXX XXXX account XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Attempted to collect wrong amount

The company Jefferson Capital Systems is reporting that i owe a {$250.00} debt to them. They are reporting that the account debt was opened in XXXX. They are also reporting that I am making late payments every month. The ORIGINAL account was opened with XXXX was opened in XXXX. Will provide documentation for proof upon request. Theyre not only illegally reporting payments that are not being made and not scheduled to be made, i am in no way shape or form in contract to pay them, XXXX illegally sold my debt to them to collect, they are reporting completely false information as far as dates, etc.
Complaint sub-issue: Investigation took more than 30 days

I called XXXX and Equifax to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 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 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 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 the information is inaccurate I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Complaint sub-issue: Other problem

when i open my account i have Problem with credit limit what they give me i have high Credit sore and theyt lie to me
Complaint sub-issue: Problem with fees

I ask Discovery Card company why if the card has been close for 2 years why Im being charge Interest for a cash transaction and purchase transaction if Im not using a card the card has been closed for 2 years they told this is normal how could this be if Im not able too use this card please help me
Complaint sub-issue: Didn't receive enough information to verify debt

Sent documents certified via XXXX  to have debt verified, not validated. Debt was me never verified, their final contract was never produced, and fraud was committed when my private intelicual property a d data source was released to a third part without consent or premisson. Identify the rig has taken place seeing how there has never been consent to releases my private information to any third party company and identify theft repost is being filed as well as claim with the attorney general and FTC
Complaint sub-issue: Investigation took more than 30 days

I initially requested an investigation of a fraudulent debt on My Equifax credit report XX/XX/2018 and Equifax failed to do so. 

On XX/XX/2018 I received an email from Equifax ( as attached ) stating a reinvestigation. It has been over 30 days and the fraudulent debt from XXXX XXXX XXXX is still on my equifax Credit Report. 

XXXX  And XXXX  have both proven the debt to be fraudulent and removed & blocked it from my credit report, but XXXX  refuses to do so without validating the debt.
Complaint sub-issue: Debt is not mine

I do not know what this is. This is not mine
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main XXXX account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by XXXX until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted XXXX and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided XXXX, XXXX and Equifax all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.