Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX and XX/XX/XXXX I sent dispute letter to Americollect to dispute the collection on my credit report.. I request proof of debt, the date of the alleged XXXX service, and proof of my singature and etc. Americollect did not respond to the letter by 30days to respond by. By not respond they should took thid item off my credit.
Complaint sub-issue: Account information incorrect

Late payments - XX/XX/2020 through XXXX XXXX this account has also been paid in full
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX  is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  XXXX  or Equifax. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law.
Complaint sub-issue: Information is missing that should be on the report

XXXX Credit Report Changes Addresses added to Equifax Identity theft XXXX XXXX XXXX/ Do not use Equifax Equifax needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking XXXX 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates 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
Complaint sub-issue: Problem with personal statement of dispute

My ex husband used my account without my approval and it was never sent to me in the mail until after the divorce so it was not part of the divorce settlement. I have attempted several times to contact both the credit bureau and XXXX store card and neither will knowledge this.
Complaint sub-issue: Debt is not yours

A couple of weeks ago, I saw on my XXXX credit report that a derogatory account had been submitted by Alpine Credit Inc on XX/XX/2020 in the amount of {$370.00}. To date I had not received any communication about a debt being owed either from them or the original creditor. 

Around XX/XX/XXXX, I phoned them and asked that they email me an invoice for the debt as I had received nothing so far. They had my correct address on file, which seemed odd. The person said they " normally didn't do this '' and so it would be a few days. 

On XX/XX/2020 I received an emailed " invoice '' from XXXX XXXX XXXX XXXX for a XXXX XXXX and something I couldn't interpret. Alpine passed this invoice off as XXXX 's. However, I noticed two things - Associates was spelled wrong and my current address was on the invoice. Since I had never seen this bill before nor ever had a XXXX XXXX I was pretty sure this couldn't be correct and was doctored by Alpine. 

On XX/XX/XXXX, I contacted XXXX and they confirmed that the patient had the same first and last name. The birthdate was similar, but not the same as me. They also had my address as in XXXX ( where I've never resided ) at a PO Box . They did NOT have my address. They verified that this was NOT me. 

On the same day, I called Alpine where I was very rudely treated until, of course, they confirmed that my last 4 SSN did not match this person. They said that they would contact XXXX, but I have yet to hear back. 

The reason that I am reporting Alpine Credit , Inc is because they. 
1. Egregiously reported me to the credit reporting agencies even without matching the birthdate, ssn, address, etc. Isn't there minimal matching criteria? I now must spend even more time rectifying this. 

2. Sent me a FAKE invoice, which I believe violates FDCPA ( among probably other laws ). 

3. Even to date ( XX/XX/XXXX ) they have not sent me any communication in writing. I believe within 5 days of receiving my debt they are supposed to notify me in writing? 

I am thankful that I have the time to rectify my credit score. And I certainly appreciate that there is a place where I can file a complaint against places like Alpine Credit that can't even do simple things like match people 's PII before damaging someone's credit and wasting their time. While this may be a " small '' thing I can only imagine how damaging it could be to someone without the time or resources.
Complaint sub-issue: Problem using a debit or ATM card

I lost my car on XX/XX/2021 and 6 transactions were made using my Investors bank debit visa card. I opened a claim with my bank and they gave e provisional credit for only one of the 6 transactions. After a few weeks the claim for those other 5 transactions was declined because the conctacless was used for the payment, something that doenst tell anything if I authorized or not those transactions. 
I reopened the case saying that doenst make sense that answer and more if one of the transactions was approved to get the money back and the other 5 dont. Since then Im still waiting for an answer and my money back. 
Claim number XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Equifax removed my Chapter XXXX bankruptcy around XX/XX/XXXX. Equifax reinserted the account back on my credit report around XX/XX/XXXX. I never got a letter.. The FCRA state that I must be notified within 5 days before the reinserte
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not not give Equifax permission to allow these corporation to obtain my credit report. There was no permissible purpose for my credit report to be disclosed to the following corporation on these dates XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Equifax has violated my consumer rights by furnishing my credit report to these corporations without my permission or permissible purpose. Equifax is in violation of 1681b ( c ) ( 3 ).
Complaint sub-issue: Attempted to collect wrong amount

I sent them a letter to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. ( The XXXX XXXX main company is also in XXXX Ohio ) I called where Mr. XXXX works at. The operator told me that he doesn't work there anymore. I asked if there was any other person taking my account and she didn't say and hung up. ( I sent a letter on XXXX XXXX .I called on XXXX XXXX. To find if they got my letter. That is when I found out Mr. XXXX didn't work there anymore. ) I called on XXXX, XXXX and spoke with operator and gave her my case number XXXX. She looked that up and transferred me to a location, never said where I was being transferred too. Automated service came on asked question. I tried answering questions. I wait on phone for 20 minutes. No One ever  came on. So I hung up. Tried calling the number I received the other day. It was the same automated thing from before. 
All I want to do is solve this issue. It has been going since XXXX with 5 collection companies and the problem started with Citibank/Costco visa credit card. 
That is why I writing again on this company XXXX XXXX because you can go to reference # from this complaint XXXX also from CFPB on XXXX XXXX, XXXX. 
At least Mr. XXXX could told me that the company was from XXXX XXXX. 
I feel that I have been lied to and harrassed by these companies. No one cares about me at all. They just want to go by what Citibank has for the debt. 
I don't owe the amount they are saying and no one is listening to me. Customers have rights too. There isn't anything in the fair trade act that has been done yet with this issue. 
I feel that I haven't been treated right. I have had to get someone to monitor my phone calls so I won't have to harrassed 10 times a day. Anyone who calls can leave a message for me to call back. I just want to be treated fairly. 
Integrity is very important. 
I also have been advised by a lawyer. He told me to go to the CFPB and also send the letters. I did that and never heard from anyone.The letter I received from XXXX XXXX on XX/XX/XXXX and also finding out from XXXX said to call XXXX. 
The amount was {$8500.00}. 
I just want to know who has taken over the account after Mr. XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX and XXXX Accounts account # 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 a account without my written instructions
Complaint sub-issue: Problem with statement of dispute

Equifax continues to send me a letters stating the identification information I provided does not match their records. I sent a clear copy of my Driver 's License and Social Security Card. Equifax 's latest letter was dated XXXX XXXX, 2015 asking for this same information that was sent with a previous dispute letter. Please assist me in having Equifax delete or verify unauthorized Inquiries and disputes within the 30 day time frame. 

Thank You,
Complaint sub-issue: Attempted to collect wrong amount

I.C. Systems is a debt collection agency that has taken my debt from XXXX XXXX XXXX. I have called I.C. Systems and have attempted to get in touch with XXXX XXXX XXXX several times now, but to no avail. I have always paid my bills and am on-time for payments. I have never seen so much as a bill or any kind of alert from this medical group. 

I contacted I.C. Systems to find out what the collection was for and was told that it was in regard to the birth of my daughter. My daughter was born via c-section on XX/XX/XXXX, where my medical team saved my life and I was being treated by an in-network OB-GYN at an in-network hospital XXXX They are attempting to collect payment for a service where I had complete insurance coverage and they should have had my full policy information. At no point were my husband or I informed ( by hospital personnel or the attending pediatrician ) that the pediatrician who was present during the c-section was out-of-network. These services were rendered when I could not consent, and I am reiterating that I never received so much as a bill from this company prior to them sending this charge to collections. I.C. Systems is dating this charge to XX/XX/XXXX, which makes absolutely no sense. Please review this case I implore you to erase this collection from my credit report, as it does not make sense to belong there, and I am worried that this is a fraudulent charge. Thank you so much.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried on numerous occassion to get an issue resolved with the credit bureaus ( XXXX, Equifax and XXXX ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my XXXX  credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I'm writing this complaint because I've been trying to get an unauthorized inquiry removed from my Equifax report with no success. I called Equifax XX/XX/XXXX and the representative told me these were 'factual records and could not be removed. My second attempt I sent a letter to the creditor and to the bureau via certified mail that were both received on XX/XX/XXXX. I did receive a letter from XXXX XXXX XXXX dating XX/XX/XXXX showing a background screening report but nothing stating I authorized the inquiry and to contact the bureau. Received a letter from the bureau on XX/XX/XXXX stating inquiries are a factual record.. and to contact the creditor. In both letters I requested each entity to send me documentation of my authorization for this inquiry or REMOVE them and here it is XX/XX/XXXX and I have yet to receive sufficient evidence that I did indeed authorize this inquiry, only the creditor passing the buck to the bureau and the bureau passing the buck to the creditor which I have both contacted. As of date this inquiry hasn't been removed from my credit report which is a violation of the Fair Credit Reporting Act. The unauthorized inquiry is : XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

After years and years of the paradigm of a monthly transfer of funds from my corporate bank to my personal account with Citibank, to facilitate my ability to pay my personal bills ( Rent, utilities, personal expenses, etc ) and depending on having the funds immediately available to make those payments ; this month ( XX/XX/XXXX ),  without notice or warning, Citibank suddenly put a hold on my funds leaving me in the position of being unable to pay my rent. 

Calls to Citibank resulted in a complete unwillingness to correct this, although they indicated my account had no issues. They indicated they were doing this broadly, as if these criminals XXXX  more people lets them off the hook for their unconscionable actions. 

Im now left unable to physically make a rent payment. 

Citibank is a criminal enterprise. They need to be treated as such by oversight groups within the United States government. In XXXX these predatory monsters attacked me financially through their credit card division causing financial injury. At that time, as is the case here, I did nothing to warrant their actions ( as they repeatedly admitted ) At the time the Consumer Financial Protection Bureau did not exist and the corrupt OCC was zero help. I was left without recourse.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters XX/XX/2022 to collection agency IQ Data international to validate said debt that I have filed identity theft on. No response, I sent another letter on XX/XX/2022 asking again to validate the said debt I asked for contracts with signatures of both parties no response. I also sent letters to XXXX credit bureau stating of the identity theft as well as included the police report asking them to remove the account as well as provide proof of validation of the debt. On XX/XX/2022 XXXX  came back and said the debt was verified but how? They didnt send any of the requested information violating my rights under FCRA . Im asking again for this account to be removed not only because its violating my rights under FCRA, FDCPA, but it is hindering my credit report/score and livelihood.
Complaint sub-issue: Information belongs to someone else

My recent report is showing the same account from XXXX XXXX XXXX which is concerning me since I have been disputing this account for multiple times. This XXXX XXXX account was opened without my knowledge and authorization. Thus, I consider this account to be fraud. I have sent multiple written requests to the Credit Bureaus but up until today, I have not received any response from them. Due to their incompetence, I am seeking help from you to help me reach out to the Credit Bureaus and have them remove this account from my Credit Report. There actions have been affecting my credibility as a credit holder.
Complaint sub-issue: Information belongs to someone else

SOMONE WAS USING MY INFORMATION FOR SEVERAL YEARS AND APPLIED FOR MANY DIFFRENT ACCOUNTS AND LOANS THAT I WAS NOT AWARE OF I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Problem accessing account

PNC made a change that will not let me link my XXXX  saving app.
Complaint sub-issue: Account status incorrect

On XXXX XXXX, 2017 XXXX XXXX XXXX received a letter of validation from me. They responded on XXXX, 2017 with a letter and a contract that was allegedly signed by me. The thing is that company 's name is nowhere on the contract. I have never signed anything for XXXX XXXX XXXX. After all of that, earlier this year they repossessed my car after I made arrangements with them and paid money. I tried to get my money back but they lied to the bank and so I had to suffer the consequences. They practically stole XXXX from me, and then they lied about it.
Complaint sub-issue: Personal information incorrect

Inaccurate data on my report that they wont remove.
Complaint sub-issue: Was not notified of investigation status or results

I 'm complaining because Equifax have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Account terms

Collections notice dated XXXX/XXXX/2014 for {$540.00} from XXXX of XXXX Florida has appeared on my Credit Report. No previous invoices or collection notices were ever mailed to me. There is no account number on the report from Equifax. I will be disputing this notice immediately, as I have and have always had XXXX XXXX and I 'm positive there is a confusion on their side. 
Plus, I had Identify Theft problems that appeared on my IRS 2014 taxes that the IRS made me aware of and I took immediate action to rectify that urgent matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE TWICE DISPUTED WITH XXXX XXXX  AND EQUIFAX ABOUT ERRONEOUS NEGATIVE ACCOUNTS ON MY CREDIT REPORTS. I ASKED THEM TO INVESTIGATE AND REMOVE THESE ACCOUNTS, BUT I HAVE NOT HEARD BACK FROM THE CREDIT BUREAUS AND IT HAS BEEN MORE THAN 60 DAYS. I STARTED BACK IN XX/XX/XXXX DISPUTING AND SENT OUT MORE DISPUTES IN XX/XX/XXXX AND XX/XX/XXXX WITH NO COMMUNICATION OR RESULTS FROM THEM.