Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

Not aware of this bankruptcy account as you know reporting things inaccurate on my account is against the FCRA .I need a written response with complete information that shows I gave my written consent to a clerk at the courthouse attached along his or her name the date it happened the time it happened & the name of the person who handle my case I cant believe this happened Im just trying to take care of my girls. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I was not notified that I had this alleged debt and I also wanted notified that this debt was being placed on my credit report. I have medical insurance so I was n't even aware of an alleged debt owed to anyone. I 've sent letters to AR Resources advising them to validate this debt because they 've violated th e HIPPA law.  I sent them a certified letter of  XXXX   XXXX ,   XXXX   and on  XXXX   XXXX ,   XXXX   they sent me a letter stating that I owed {$1400.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. This is a violation of  the HIPPA la w. Then on  XXXX   XXXX ,   XXXX   I receive another letter for this same account stating that I owe {$190.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. In the comment section it stated that what the explanation field was for at the top with the numbers in them.  ( 1 ) meant Insurance Contractual Allowance and ( 2 ) Insurance Deductible.   This company has placed  XXXX  separate collection accounts on my credit report with  XXXX  and  XXXX  for the amounts of {$180.00}, {$1400.00}, {$75.00} and and then on my   XXXX    report they 've have {$1400.00}. From the information that sent me in these letters all of these charges for on the same bill, so why did they place  XXXX  separate collections on  XXXX  and  XXXX . The original creditor has violated the HIPPA law because they provided information that I did not give them permission to share with a third party. They 're also providing inaccurate information to the credit bureaus as well as to me.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX credit reporting agency please delete XXXX account from my XXXX credit report please delete XXXX XXXX XXXX XXXX please delete from my Equifax credit report I have proof for all the incorrect information on my XXXX and Equifax credit report here is all your proof all three Credit bureaus have to report the same way across all three credit reports and they are not doing the right thing please delete
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$2000.00} XXXX  XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$300.00} DEPTEDXXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$57000.00} XXXX XXXX {$160.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I have included an attachment of the letters that I have sent to the credit bureaus.
Complaint sub-issue: Information belongs to someone else

on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX FOR {$14000.00}. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XX/XX/XXXX for {$14000.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. XXXX XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.
Complaint sub-issue: Account status incorrect

I filed for this problem against XXXX  but now I see that its on equifax and XXXX. On XX/XX/XXXX during a doctors visit for my eyes was declared XXXX  XXXX. I was told by the eye doctor I could XXXX XXXX anymore. Having a car still under finance by XXXX XXXX credit. What am I supposed to do. I reached out and contacted XXXX XXXX credit and informed them I was not allowed XXXX XXXX anymore. XXXX motor credit advised me I could do a self surrender of my car to XXXX XXXX credit. And they would take the car to auction and sell it. If the car sold for more than my loan. XXXX XXXX XXXX would pay the loan off and give me the difference. If the car sold for less thanwhat was owed on the loan I would have to pay the difference. I washed waxed and clean my car and set it back to factory specs. Also to make sure my car was safe and not ticketed or towed by the city government I had my car taken to my cousins house where it could sit in the driveway for the tow truck driver to pick it up. I called XXXX motor credit gave them my cousins address and my cousins husband had the keys for the tow truck driver. I called XXXX credit several times to make sure they got the car. The car was picked by by XXXX and sold at auction. The loan was paid off and the difference sent to me. So I would like to know where XXXX, Equifax, and XXXX  get off liking and calling the car a repossession. How is a car repossessed when I called XXXX XXXX XXXX and agreed to surrender it so it could be sold to pay it off. I XXXX XXXX anymore because Im XXXX  XXXX. I called XXXX motor credit XX/XX/XXXX to confirm it was a surrender. XXXX credit said yes it was a self surrender and if it was called a repossession the credit beurea did it not them. XXXX motor credit is sending me the paperwork they have saying self surrender. So the credit agency made this up. At no time was the car set for repossession. But the credit agencies decided to damage my credit for 4 years by making this assessment on their own. They were not on the phone with me nor XXXX motor credit. And frankly its discrimination against a XXXX person. I dont have the means to even pass the eye test XXXX XXXX. But the credit agency wants to list my car as a repossession. From here Im reaching out to the national foundation for the XXXX XXXX department. Because this is discrimination. Its my fault because Im physically not able XXXX XXXX anymore. So if get XXXX  thats my fault too?
Complaint sub-issue: Public record information inaccurate

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter XXXX Bankruptcy Reference # : XXXX
Complaint sub-issue: Problem with fees

On my current statement, with closing date XXXX/XXXX/2019, I have a mysterious fee called " MINIMUM INTEREST CHARGE FEE '' of {$0.00}. The company can not provide an explanation of what this fee is for. The account is frozen and not being used at all, and the balance on the account is on an interest-free promotion until XXXX/XXXX/2019. There should be no interest or fees at all until that date. The company appears to be extremely disorganized, the secure messaging system on their website is almost unusable, it is erratic and returns errors upon an attempt to send a message, at other times staff answer messages but are untrained, incompetent and have no idea what they are writing about. I have another complaint filed previously about a similar but different issue ( direct interest ), I received one e-mail from the company 's corporate office promising an investigation but this has not happened and they do not answer communications either. A start-to-finish disaster.
Complaint sub-issue: Information is missing that should be on the report

Submitted information to company as requested but no update has been done.
Complaint sub-issue: Confusing or misleading advertising about the credit card

This is regarding a CitiBank. In XX/XX/XXXX I signed up for a promotional XXXX of XXXX XXXX on new purchases and received confirmation that the XXXX was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I made several purchases. On XX/XX/XXXX I made a payment through the CitiBank website but unfortunately selected an old and closed bank account. The payment obviously did not clear. I instead made a payment on XX/XX/XXXX out of my current bank account, which cleared well before the XX/XX/XXXX due date. 

Since XXXX, CitiBank has been charging an APR of XXXX XXXX on the amount that did not clear on XX/XX/XXXX ( {$3100.00} ), which I only noticed this month. I communicate with CitiBank twice ( XXXX chat conversation included, also did a phone call today ) and the staff were unable to tell me why this was the case other than to say it occurred. I confirmed with them that the XXXX XXXX APR promotion is still in place and was not voided by the return payment. I reviewed the terms of my special promotion ( included ) which does not include a provision for this. I requested that they send me the terms by which this occurred and they tell me that there is no such document.
Complaint sub-issue: Problem getting your free annual credit report

From Prior complaint that closed before satisfactory resolution # XXXX MY ORIGINAL COMPLAINT STATED On 2 occasions starting in XX/XX/XXXX via Sagestream Website and in XX/XX/XXXX, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In between the time of XXXX XXXX-XXXX XXXX I have left numerous voice messages in regards to the matter but still no confirmation. I SUBMITTED PROPER COPIES OF MY PHOTO ID AS WELL AS MY SS CARD. So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN The company response was not accurate, which they stated : In his complaint ( CFPB Complaint # XXXX ), Mr. XXXX stated that he has contacted SageStream , LLC ( SageStream ) multiple times to place a security freeze on his SageStream consumer file, but SageStream has not responded. We address his concerns as follows : SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors. According to our records, SageStream received an online request from Mr. XXXX for a security freeze to be placed on his consumer file ; however, the identity verification documents that MrXXXX XXXX included with his request were not legible. SageStream mailed a letter to Mr. XXXX on XX/XX/XXXX informing him of what he would need to send for his request to be processed. If Mr. XXXX has questions, he may call the SageStream Consumer Office toll-free at ( XXXX ) XXXX, Monday Friday XXXX XXXX  to XXXX XXXX  ( Pacific Time ) or visit our website, www.SageStreamllc.com for information. 

Sage stream address the online process. They did did not address the certified mail request that included proper identification such as copy of my Driver 's License and SS Card. they signed for the certified mailing # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. If included the letter of request and well as the proper copies of identification. In my letter of request I submitted. It stated that a copy of ID included a driver 's license and SS Card stapled together with the request. So therefore if if got separated from original letter it was done by the company they need to research there mail receiving procedure find my mail-in request and honor the contents I submitted along with the identification which was all I was required to do. I will submitted the proof from the US Postal Service that the physical letter of request I am speaking of did reach there offices and signed by them as being received.

Sagestream failed to address this in the previous response my mail in request to the previous complaint. Sage stream just did not want to honor my request by mail, Thier continued failure to do so will lead me to escalate the matter to a proper venue that I can easily prove and win my claim if I wish to do so
Complaint sub-issue: Contacted me after I asked not to

I have asked One Main Financial NOT to contact me or my husband at our place of employement do to it interferring with our work. They have since then called me XXXX on my work number.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, 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
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing with XXXX, Equifax and XXXX for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.
Complaint sub-issue: Reporting company used your report improperly

Equifax security breach where all of my personal data was stolen. Social Security number, date of birth, driver 's license number, etc.
Complaint sub-issue: Can't decrease my monthly payments

I have called on behalf of my XXXX XXXX ( XXXX ) and maintained contact with the servicer, Great Lakes, indicating I am still unemployed and can not pay the requested payment amount. I called recently because my payment went from an agreed upon $ XXXX/month to $ XXXX/month. I CAN BARELY AFFORD {$75.00} ... much less the more than quadrupled amount due. When I called and asked for income based repayment, they said they could not offer me any reduced payment options " they 're hands are tied because it 's a not-federal loan ''. I said I could not possibly make the full payment but had already paid the {$75.00} and now this month I have seen my credit score dropped XXXX points again. THIS IS REVOLTING!!! Without credit in this country ... a human ca n't live! 
Please help?!!? They are bullying me! Please also note the attachment from an email whereby the creator of the loan from XXXX agreed that Great Lakes was not doing an adequate job of servicing me. Yet he did n't do ANYthing about the extra fees & interest piling up on my account during that time!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and 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
Complaint sub-issue: Information belongs to someone else

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint to request the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX  XXXX Balance $ XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account ; XXXXXXXX XXXX XXXX  XXXX XXXX Balance $ XXXX This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately ; XXXX XXXX XXXX XXXX XXXX Balance $ XXXX I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately ; XXXX XXXXXXXX XXXX  XXXX XXXX Balance $ XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Problem getting report or credit score

Equifax will not deal with me by phone
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  ACCOUNT # XXXX THIS ACCOUNT IS NOT MINE AND IT REPORTED 30 DAYS LATE ON MY CREDIT REPORT I HAVE CONTACTED THIS COMPANY SEVERAL TIMES I HAVE FILED AN IDENTITY THEFT REPORT FOR THIS ACCOUNT. AS WELL AS XXXXXXXX XXXX  ACCOUNT XXXX XXXXXXXX AND XXXX XXXX ACCOUNT XXXX XXXXXXXX IF THIS SITUATION IS NOT RESOLVED I WILL HAVE TO TAKE OTHER LEGAL ACTIONS. THIS IS NOT FAIR THAT I AM BEING HARASSED AND THAT THESE ACCOUNT ARE AFFECTING MY FINANCIAL STATUS ON MY CREDIT REPORTS
Complaint sub-issue: Problem with statement of dispute

I contacted the credit trade line and noted that the account had been re-aged since XXXX took over the account from XXXX. XXXX and I entered into a Settlement but re-aged the account to keep a derogatory mark on my credit report. I then complained to the XXXX credit bureaus and they only asked XXXX if the information was correct and XXXX said it was. Despite my providing proof of the settlement agreement, Equifax refused to delete the trade line from my credit report. They also refused to report the balance owed as {$0.00} since I paid per the settlement.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX   XXXX  retaliated on   XX/XX/XXXX   after a complaint had been filed and Equifax allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in   XX/XX/XXXX ,  XX/XX/XXXX  . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. Equifax has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a   XXXX    times with different amounts when the aggregate of that account should have been used once.