Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Report improperly shared by CRC

I am writing to you about the way equfax credit beurau is doing the investigation on the depart mentioned of treasurey which is not the originator of the amount that is owed too the federal court this debt started with a ticket given to me in XXXX pa for XXXX dollars now the third party that is reporting it is XXXX and the information that they are reporting is incorrect because I have the correct documents from the federal court who is the originator of the debt and if the credit bureau does n't go to the source of the information being reported they will never be able to find out the truth of what is being reported XXXX is a third-party debt collection agency working for the department of treasurey but this all started with the federal court system that is were the realast of how much I owe to the treasurey department what they are reporting is incorrect such as the amount owed and the fact that I made three payments that are not reflected in the credit report which makes it incorrect and should be removed from my credit report because it is inaccurate information being reported by XXXX collection service and nobody wants to go to the originator which is the federal court who has all the correct records I do n't owe what they have on the credit report and the fact that I made three payments is missing from the credit report which makes it inaccurate and by law should be removed from the credit report and I have the paperwork from the federal court it self to prove that payments were made and the amount owed is n't correct either
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX I received an email on XX/XX/XXXX from the property the move out statement. I contacted the property and they had informed me I could do a payment plan. On XX/XX/XXXX I was contacted by the XXXX XXXX XXXX and notified we were in collections.I began going back and forth between companies to verify to whom I should be making payments to for the move out statement. The Debt Collectors stated it was they whom should be receiving the payments.On XX/XX/XXXX the property confirmed the Debt Collectors are the responsible party for payments.I have tried to make a payment plan and also advised them to send me correspondence multiple times to verify the debt. They have stated the debt has been in the account XX/XX/XXXX. I have tried to make a payment plan while also trying to make a debt settlement but without any documentation they have been very aggressive with having a payment up front to keep the account open before garnishing my wages. I believe this to be extremely uncomfortable and difficult. I still have NOT received any correspondence to confirm the debt. XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF EDXXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, OHIO XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXUS DEPT OF ED/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have compiled with the credit reporting agencies, in all there requests in to remove all inaccuracies that they are furnishing on my credit consumer report. Now I want to file a lawsuit.
Complaint sub-issue: Account status incorrect

I filled bankruptcy and the judge declaired my student loans be discharged. XXXX keeps adding back to my report after disputing and removing it. They are also changing to college assist to report. I have a full discharge on both companies. Please make them stop placing themselves on my reports. I am working hard to repair my credit and this is becoming a negative experience.
Complaint sub-issue: Their investigation did not fix an error on your report

This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$210000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; NAVIENT XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

XX/XX/2018 I paid off my car loan. On XX/XX/XXXX, I created an account with XXXX XXXX to verify that it was showing paid in full. At that time I discovered that I had 3 accounts that I was unaware of on my credit report. Those accounts were : Discover Card XXXX account # XXXX, XXXX XXXX # XXXX and XXXX # XXXX. At that time I contacted an Attorney via my XXXX XXXX to discuss the matter. 

He instructed me to report this to the Federal Trade Commission which is Federal Law Enforcement, to request my credit reports via the credit bureaus and to file a complaint with the CFPB. I made the Identity theft report via FTC and the report # is XXXX. In addition, I received my XXXX   report in the mail yesterday. 

I am very confused as my credit report is showing that the above mentioned accounts were opened over a Year ago and in 2 of the cases it appears that payments were made at some  point. I have never applied for a Discover Card, or XXXX XXXX nor given anyone permission to apply for one on my behalf. I was an authorized user previously. I have never applied for a loan with XXXX. I have not had a need for a loan in that I make a very comfortable salary and have limited debt.
Complaint sub-issue: Information belongs to someone else

I have tried to resolve this matter on my own but have not been able to, If you could assist me in resolving this issue. The following account is not mines : XXXX XXXX XXXX XXXX XXXX {$120.00}
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 {$0.00}, {$1600.00}.

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.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXXXXXX 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 aconsumer reporting agency can not furnish a account withoutmy written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00}
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Trouble with how payments are being handled

I decided to check my account to see if my balance has changed since I 've started making payments, and it has n't. As a matter of fact it has increased. The company is American Education Services ... .I want to know why in the XXXX has my balance not decreased? Every since I 've been making payments my balance has increased. If my balance does not reflect what the XXXX I 've been paying, I will be consolidating and moving to a new servicer!!!! I 'm sick of you people! Student loans come from XXXX!! This whole industry is built on thievery. And yes I want my comments published so every one can see this company is horrible!
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Account information incorrect

My Citibank credit card is being reported inaccurately by the fact that each bureau is reporting different dates for the late payments also account name does not match on each bureau.
Complaint sub-issue: Information belongs to someone else

I AM VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE NOR CONSENT. I HAVE PREVIOUSLY FILED COMPLAINTS WITH THE COMPANY AND WAS REMOVED FROM MY CREDIT REPORT AND NOW IS BACK ON THERE UNDER A DIFFERENT NAME. THIS COMPANY IS COMMITTING FRAUD BY ME BEING VICTIMIZED OF ID THEFT.
Complaint sub-issue: Contacted you after you asked them to stop

XXXX XXXX, who is claiming to be an attorney, has called and text messaged me from XXXX XXXX numerous times after being told he is contacting the wrong person and has contacted me before XXXX multiple times. He has also called me from other numbers after being told I would not answer his calls. This morning he also forwarded messages to clients of my business. The debt is in my father 's name, he has called his place of work and numerous family members stating the amount of debt owed.
Complaint sub-issue: Can't close your account

Today, I received an unsolicited Cash App card in the mail. Based on internet research, the card appears to be a prepaid debit card. XXXX, XXXX XXXX appears to explain that they send these out by request WITHOUT a credit check. If they did a credit check, they would have found that I have a credit freeze on and opted out of credit card offers. 

This is esp. worrisome as someone fraudulently filed for unemployment using my information. 

The useless phone number given online to contact XXXX XXXX instructs you to listen to their online instructions. No live person can be reached on any branch of their " Customer Service Line '' ( XXXX ) The only way to get to customer service for this card is to activate the card and download their software to a phone. I don't want to activate the card and don't have a phone to download an app. I want the card shut down. 

Numerous scammers are now soliciting online to solve problems with Cash App because users can't interact with a customer service department. 

How is it legal that they can send out credit cards that can be attacked by scammers with no way for individuals to shut down the card?
Complaint sub-issue: Didn't receive enough information to verify debt

I submitted a certified HIPAA letter to Americollect via USPS mail tracking # XXXX. The USPS website shows they received the letter on XX/XX/2020. In the letter, I requested a response in writing within 10 days advising they were processing the request but I did not receive any response. Per the FCRA guidelines, the creditor has 30 days from the date of receipt to respond/investigation to be complete or else the item must be removed from my credit file. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) validation of this debt must be produced within that timeframe. Neither was done in a timely manner. 

This item was previously disputed a few months prior and was removed from my XXXX and XXXX  report but still remains on my XXXX  report hence the reason I submitted another dispute on XX/XX/2020. 

I contacted the creditor, Americollect on XX/XX/2020 to request that they remove this debt from my XXXX  report for failure to comply with the turn around time according to the FCRA 30 day timeframe. I spoke with XXXX, a supervisor for Americollect and she advised me they completed their investigation on XX/XX/20 because they had to wait for the original creditor to send them validation. I explained to XXXX, regardless of the reason, per FCRA they must remove this debt from my credit file b/c they were past the 30 day turn around time to complete their investigation but she refused to do so. 

I am asking that this item is removed from my credit profile immediately as it is not valid, a breach of security according to the FCRA ( 15 U.S.C 1681 subtitle D of the ARRA, SEC. 13401 ) and was not responded to within the 30 day timeframe also per FCRA guidelines. 

Best Regards, XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/2022 Received notification that apartment leasing company had reached out to I.Q. Data International , Inc. about a supposed amount of rent still due. They have the move out date incorrect. 
Responded to that letter on XX/XX/2022 indicating that I was disputing the debt and the amount owed was incorrect. I had actually overpaid final rent bill. 
XX/XX/2022 Received letter from I.Q. Data that did not address my request for information and even though the debt was being disputed they contacted the credit bureaus dropping my credit score by XXXX points. 
I have provided them documentation that the correct move out date was XX/XX/2022. I.Q. Data will not return my call and have not provided documentation that the debt is paid, nor have they corrected this with the credit bureaus.
Complaint sub-issue: Confusing or misleading advertising about the credit card

hi iam making a complaint with bestbuy for a tv promotion i have bought a tv with my credit card and i been making my payments but just to find out yesterday i call bestbuy credit card customer service and ask them what was my tv balance they say {$630.00} they never apply my payments to my promotion they apply my promotion payment to the balance of the card and now it say that my promotion balance is {$630.00} so i tell them to take out the balance money to puted in the promotion they say they could do it so now they tell me to make another pay and that they was going to apply on the promotion i dont even believe what they say so i see somebody with the same problem so i contact CFPB would you help please i would like to make a compalint to get all the XXXX dollar apply to my promotion or going to sue them because this is a scam from bestbuy  lets all complaint deceptive billing
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Complaint sub-issue: Funds not received from closed account

We tried to make a transfer from Credit Karma savings account to Credit Karma checking account but received an error message saying we had already hit the max 6 withdrawals per calendar month. We decided since we needed the money we would close the savings account and transfer the balance to the checking however in order to close the savings account you have to link an external bank account ( which we got error messages when trying to do ). Because of this we reached out to Credit Karma on XX/XX/XXXX to assist with closing the account for us and transferring the balance to the checking. They were quick to respond and had us confirm we would like to close account. After we confirmed there was no further response from Credit Karma. After 2 days ( XX/XX/XXXX ) we called Credit Karma for follow up and were told that they would escalate and we should receive an email. Yesterday, XX/XX/XXXX our savings account was closed and money withdrawn but NOT deposited to our checking account. We emailed AGAIN asking where our money is and got no response. This morning XX/XX/XXXX when trying to call the same number we called on XX/XX/XXXX we get a busy signal or just a failed call in general. We have no idea where our money is and the company has refused to respond to any of our requests for information.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I have some errors on my file that I need to have addressed. I have a incorrect name on my credit my name is not XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681, Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code {$1600.00} ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.GA. $ XXXX Names Reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( credit furnishers ) have violated my rights, and restraint of trade in violating of 15 USC 1, and 15 USC 2 Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent 15 U.S. Code $ 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

All negative items to be removed, To be compensated for all payments sent.
Complaint sub-issue: Was not notified of investigation status or results

there are numerous items on my report that are not factual a few inquiries a chapter XXXX bankruptcy and a chapter XXXX both not mine. There are other accounts that don't belong to me and others with incorrect status reporting and another one with wrong information. I am attaching a letter to explain all items