Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Reporting company used your report improperly

As my previous complaint # XXXX stated XXXX XXXXXXXX XXXX is still unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. There is no where under the Fair Credit Reporting act requiring a financial institution to furnish negative information to a consumer report. This has been Causing me great harm and stress. I now have reason to believe that XXXX XXXX XXXX  is using extortionate means on a extensions of credit which is a violation pursuant to 18 USC 892. My Privacy rights as a consumer are protected under the Gramm-Leech Billey Act. I Ask that XXXX XXXX XXXX immediately stop the reporting of a charge off to all 3 consumer report agencies this includes : XXXX, EQUIFAX, and XXXX. You will up date my consumer report reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX  has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Your failure to comply with my instructions will result in civil liability for fraud Pursuant to 15 U.S. Code 1640
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Information belongs to someone else

I divorced my ex wife XX/XX/XXXX an in the divorce papers it says she needs to refinance the house loan and or modify it and I will be held financially harmless from the debt on the house. she modified the loan and the bank crossed out my name off the loan and she took more money out and extended the loan without my knowledge and without my signature. she assumed all the debt on the house with the loan holder XXXX. I have contacted XXXX about this and they wont give me any information and they are still reporting it on my credit when they shouldn't be. I filed a dispute with Equifax and XXXX reported to them its correct however they can not submit anything after the date when my name was crossed off because I have not signed ANY paperwork with them. the last paperwork done with XXXX is a modification and the modifications were taking my name off the loan and getting XXXX new money. and that money was given to my ex wife.
Complaint sub-issue: Information belongs to someone else

The company has placed an account on my credit report that is not my account. They sent me a contract that was signed and its not my signature. The original company XXXX XXXX placed an account on my credit report stating that I owed them {$400.00}. I disputed this account with the credit bureau and they removed it after I tried to write the company on XX/XX/XXXX and the letter was returned to sender. Thereafter XXXX XXXX, another buyer bought this account and it was removed from my credit report after I disputed the account. I received a letter from Huffman company on XX/XX/XXXX, stating that I owed this money. I have explained to the credit bureau that this was an fraudulent account and I did not open it. I disputed this again with the credit bureau and they said that the information was verified by Huffman & Vance. This company added this account to my credit report and stated that I opened this account with them in XX/XX/XXXX with is inaccurate. I received an letter from the Huffman company with a copy of a signed contract. This is not my signature. This account does not belong to me.
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 : {$0.00}
Complaint sub-issue: Old information reappears or never goes away

Account from XXXX from XX/XX/XXXXkeeps being re-aged by debt collectors. I have disputed multiple times over the last few years. The most recent collector has re-aged it for the date of XX/XX/XXXX!!
Complaint sub-issue: Account status incorrect

# 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 net treat a payment on a credit card account under an open end 51 consumer credit plan as late for I XXXX XXXX XXXX purpose. 
XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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 states Consumer reporting agency can not furnish a account without 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 dept
Complaint sub-issue: Deposits and withdrawals

I tryed to transfer money from XXXX XX/XX/XXXXto etrade bank. Transaction did not go thrue and etrade bank put restrictions on my accounts and making unreasonable demands. 
I already call on phone and send documents they requested but they started demand new statements after it
Complaint sub-issue: Information belongs to someone else

Im disputing the following items : XXXX XXXX XXXX., XX/XX/2018 XX/XX/2018
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Consumer Reporting act XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Date of purchase : XX/XX/XXXX Amount : {$660.00} Company : XXXX XXXX XXXX Citi Case  # XXXX Summary : I filed a dispute with XXXX XXXX XXXX  with my credit card after numerous attempts for a refund with them. After many months of communication back and forth, Citibank decided to rule in the merchant 's favor despite hard evidence that the merchandise being returned and their failure to receive all documents needed despite be given to them multiple times. 

I submitted a dispute with the merchant on XX/XX/XXXX after trying to return the merchandise to the store and dealing with their customer service. On XX/XX/XXXX the item was delivered to XXXX XXXX XXXXXXXX. A refund was not issued due to the merchant claiming that the item was not in the box when it was returned. I followed up with the merchant and explained to them it was a mistake on my part and I would need another label reissued to me to send back the correct item. I did receive this label from the merchant with the same tracking #. I repackaged it and received proof from the shipping company that it was returned. On XX/XX/XXXX, I dropped off the package back to XXXX XXXX XXXXXXXX with tracking # XXXX with the item being delivered back to the merchant on XX/XX/XXXX. The merchant insists that they never received the item back which led to the chargeback despite explaining to both Citi and XXXX XXXX XXXXXXXX that they gave me the same label hence the confusion. Citi ultimately decided in the merchant 's favor on XX/XX/XXXX and gave me no recourse and said their decision on the matter was final because the merchant 's bank decided it was closed.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I called AcimXXXX and spoke with a Rep about my bi-weekly payment not being processed. He said usually they will process before for after the date given if you have it on automatic payment which I did not know. He also stated that my payment bounced, it did not the money was in my account. We went back and forth about about that issue and I told him I wanted to to close my account on the date XXXX for {$230.00}. He became agitated because I told him to please stop saying my payment bounced. After my bi-weekly payment was taken with my debit card he hung up on me which was very rude because I was on my break and Idid not have time to call back and report it. I called on XX/XX/23 to see why they did not take the payment to close my account and I was on hold back and forth for a little over an hour for them to listen to the call which was inconveniencing. The supervisor mentioned that I did not say yes to close my account but that was what our conversation was about after we discussed my bi-weekly payment. They said I will owe over {$500.00} now and no one ever apologized for the representatives behavior. Customers should not be treated this way.
Complaint sub-issue: Information belongs to someone else

Equifax is the bane of my existence! I have been dealing with them and these issues for over 3 years! They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me, and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. Equifax is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!
Complaint sub-issue: Information belongs to someone else

My identity was lost and/ or stolen awhile ago but I did not forsee these damages being done inwhich has compromised my credit file. All the accounts in question are unknown and unauthorized. I'm now demanding that these accounts be removed and blocked from my credit file., as following .... 

1 ) XXXX  2 ) Missouri Div XXXX XXXX {$28000.00} 3 ) Missouri Div XXXX XXXX {$43000.00} 4 ) TN Dept of Human Svxs cs 5 ) US Dept of Education {$2000.00} 6 ) US Dept of Education {$3600.00} 7 ) Dept of ED/XXXX {$3000.00} 8 ) Dept of ED/ XXXX  {$1700.00} 9 ) XXXX  {$2000.00} 10 ) XXXX XXXX XXXX XXXX {$670.00} 11 ) XXXX XXXX XXXX {$4000.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered two hairpieces from a XXXX distributor advertising on XXXX. 
The photos and ads were economically appealing since I suffer from XXXX, I placed the order and when they arrived I was horrified. The hair was literally fall out of these two hairpiece units. 
I can't run a brush through the wigs without clumps of hair coming out. 
After many emails they finally agreed for me to return. Return fee is XXXX USD via USPS, those wigs are not worth returning them. 
I called Citigroup the financial establishment that the charge was made to on my credit card, they credited the amount back to my account and in a couple of days they denied the credit and paid the seller. They are terrible quality and I would not even donate them to the XXXX XXXX. They since disappeared from XXXX and may be going under a different name. I don't beleive that Citigroup even attempted to investigate the dispute in a thorough or professional manner. 
It is a small fee but it was clearly a scam and thanks to the bank they were able to keep my money. Yes definetly publish this, I know others were probably scammed also. 
I assumed banks protected the consumers.
Complaint sub-issue: Threatened arrest/jail if do not pay

The company flagship credit hired a man that claims to be a criminal investigator. He has threaten to put a warrant out for my arrest as well as threaten that I have a class XXXX felony against me. He will not give me his name but continues to ask me to contact the comoany. This is against fdcpa. I have already notified flagship about the owner of the vehicle due to me being the cosigner. They still contact me over 15 times a day as well as other family members and harass me. I am going to seek legal action because this have put me and my family in a horrible situation. I have a 3 month old son that I take care of. I do not work and I asked them several times to stop contacting me.
Complaint sub-issue: Information is not mine

i have XXXX inquiries on credit report some from XXXX more than once a day. I have sent letters to Equifax letting the know they are not mines but remain on report. please have them moved.
Complaint sub-issue: Their investigation did not fix an error on your report

The following late payments are billing errors pursuant to 15 USC 1666b.

Under the GLB Act of 1999 nonpublic information such as late payments shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802 --
Complaint sub-issue: Didn't receive notice of right to dispute

AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$940.00} Balance updated XX/XX/XXXX XXXX provided AMERICOLLECT with my medical information without permission. Theyre reporting an incorrect bill for services that were covered by XXXX XXXX XXXX XXXX XXXX XXXX This is the second time this company has tried to place a medical bill on my credit. The last time they tried it was XXXX and was told my XXXX  to remove the collection as the balance wasnt paid by fault of XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, XXXX, Equifax and XXXX XXXX collectively.  A debt collection agency known as XXXX XXXX   is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v.  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against XXXX XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX. XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've sent emails and called all XXXX credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them. 

Per consumer law 15 USC 1681c-2 : Block of information has been violated
Complaint sub-issue: Didn't receive notice of right to dispute

I did contacted this company named MS Services LLC. I did sent the money through XXXX XXXX for them so they can delete the negative information. Apparently, they did not.
Complaint sub-issue: Account information incorrect

Rise should be taken completely off of my credit reports, because the debt was sold to a creditor and has been paid.