Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

Hello, Today I am filing a complaint on Procollect of XXXX, Texas. The reason in being is because I received a letter from Procollect on XX/XX/XXXX saying I owed a amount of {$11000.00} due to a collection that was said I owed from a old apartment complex I lived at. When calling the collection company, I immediately told them that this debt was not mine and that this was dismissed in the court of law. Upon telling that to Senior Collection Agent XXXX XXXX of Procollect, I experience the most absurd, disrespectful, rude, belittling customer service I have ever experienced. Upon informing him that this debt had been settled he then yelled at me and accused me of being difficult. When I asked to speak to another agent he said that I would, get him every single time, and that he would falsely notate my account saying I was yelling and being rude. He also hung up on me several times. I was also told that I had until XX/XX/XXXX to file a dispute against this collection, however this collection was reported to my credit report and my father/guarantors credit report on XX/XX/XXXX. When I called to gather more information be aggressively asked me, Why do you keep calling being annoying? I then told him that I would file my dispute and would no longer contact them or their client and would like all contact to be stopped between all parties. 

Every customer service agent I spoke to was very dismissive, condescending, and rude. I only wanted to inform them that this debt was dismissed in the court of law and that no judgment had been found against me to pay this, so I dont owe it and to removed it from my credit report. I truly ask that this complaint finds someone who can stop this from happening to anyone else. This debt collector is illegally filing things to my credit report and I am asking that they be investigated and for this collection to be removed from my credit report until further notice. This company has many complaints filed for the same action they took against me and this needs to be stopped.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has been notified by XXXX XXXX  XXXX fraud department and myself several times starting XX/XX/2019 stating to remove four accounts and all inquiries associated with the accounts from my credit report as they were found to be opened without my permission fraudulently. A police report was filed. XXXX  and XXXX  oblige and removed all accounts and inquiries from report. Equifax is refusing to remove XXXX  XXXX, XXXX  XXXX  and XXXX. They did remove XXXX XXXX. XXXX has reissued they request to remove the accounts multiple times and I have verbally called in and submitted disputes online over 20 times and Equifax states they are accurate. XXXX  is unsure at this point on what to do and I am not getting a correcting response either. I am hopeful you will make them do what we have been telling them needs to be done asap. This has been going on since XXXX and needs to be finished with all traces removed. Equifax needs to be replaced with a better agency who does not release people 's information and will properly investigate and listen to the fraud departments of creditors when they say something is incorrect and needs to be removed. Thank you.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX SS # ENDING IN XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and TXXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX XXXX XXXX sinceXX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information on my credit report. 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.
Complaint sub-issue: Debt was paid

Debt was paid XXXX/XXXX/2014, Was promise to remove/delete file from XXXX credit bureaus
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, I became aware of a data breach of Equifax Credit Reporting Company. I went to Equifax 's website in order to figure out if I was affected by the data breach. I was given a date ( XX/XX/XXXX ) to check the website in order for Equifax to alert me if my data and personal information was breached and stolen. 

I checked back today ( XX/XX/XXXX ) and entered my information into the same website on Equifax. The website then stated that my information was stolen or affected by the breach. I wanted to file a CFPB complaint due to Equifax 's negligence in allowing my information to be compromised. I also wanted to make sure that I made a documented effort to rectify the situation, despite Equifax 's negligence and all around ineptitude to prevent this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... XXXX  told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i XXXX contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which XXXX  is reporting account from XXXX and XXXX that Fraud and Equifax is reporting XXXX, XXXX and that are fraud..attached also is my police report
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked on XXXX XXXX 2017 and my personal information is now out in the public. I have gone to equifax.com and received an enrollment date for my fraud protection service but I am worried that my identity is already out there as I am not allowed to enroll until the XX/XX/XXXX. I  need to rectify this situation immediately and am not affected for the rest of my life and expect to be compensated fairly for all protection services.
Complaint sub-issue: Personal information incorrect

Inaccurate personal information still being reported after Equifax response confirming the accurate information is being reported. Complaint ID : XXXX ( 1 ) Inaccurate Name Reporting : Please see attached : My Equifax online report. 
( 2 ) Inaccurate Name Reporting : Please attached : Hard Copy response mailed from Equifax which name is different form online report. 
( 3 ) Inaccurate Address Reporting : Mail being sent to old address : Please see attached Hard Copy response mailed from Equifax Online My Equifax Personal Information ( 4 ) Inaccurate Employer Information.
Complaint sub-issue: Debt was result of identity theft

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifaxhas NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

I opened an accelerated Savings Account with Citi in XX/XX/2019. The account was set up online within a few minutes ( and I did not have to submit any additional documentation via mail ). The account was compromised in late XX/XX/2019 with fraud activity with ACH for nearly $ XXXX. I contacted Citi and within 2 weeks the funds were returned ( early XXXX ). The account was then compromised again with fraudulent activity for almost {$400.00}. I contacted Citi and they advised that the account need to be locked to prevent further activity and that I would need to submit a new application for a new savings account. They transferred me to a representative to set up the new account. My understanding was that the account was set up, though I received a packet in the mail requesting additional information. Documentation was submitted online through XXXX. When I contacted a representative to move the original funds to the new account, the representative advised that the new account was never set up because the tax documents were not submitted. I then submitted the tax documents, but because they were not submitted within 30 days of the application, the application was closed and account was never set up. I then advised that I would like to close the original account and request that the funds just be mailed to me via a check ( or if possible, wired to my non Citi bank account ). Citi advised to close the account I would have to visit a branch. I advised that I was in XXXX area and that there were no brick & mortar branches in my state. I contacted Citi on 4 different occasions in an attempt to close the account and would constantly receive different information and go in circles from customer service, to a branch, to fraud departments. Nobody has been able to help me and I have spent nearly 6 hours on the phone trying to resolve this issue without success. Please help me resolve this issue and get my money back.
Complaint sub-issue: Information belongs to someone else

I 'am a victim of identity theft. This account doesn't belong to me. 
I never heard of this company or done any business with them. 
Someone is using my credit to purchase items fraudulently. 
I was alerted XXXX someone was trying to apply for credit card in my name. 
I have attached my ftc report items are fraudulent. 
I demand immediate removal.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On multiple occasions I sent, registered mail with a police report from the XXXX XXXX XXXX XXXX in conjunction with the federal trade commission report and lastly my dispute letter. I disputed over the phone I have disputed online and through registered mail. Equifax is the only one reporting this inaccurate information and they refuse to honor my humble request although I have been victimized by identity theft. Please help me. XXXX XXXX. Equifax has horrible customer service and very disrespectful there business practices are unacceptable. I'm ready to take this credit reporting company to justice. Equifax has proven themselves incompetent and ultimately forced me to file this report. I tried to resolve on my own but they refuse to adhere to the police report ftc report and have totally disregarded my diapute letters. I have disputes this inaccurate item four times
Complaint sub-issue: Their investigation did not fix an error on your report

On Several occasions I have submitted a dispute to all 3 Credit bureaus, XXXX, XXXX, and Equifax about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXXXXXX account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX CARD partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Complaint sub-issue: Problem with personal statement of dispute

Credit reporting agency does not provide what proof they are provided when filing a dispute on credit report. I need all documentation proving my responsibility for debt. I have disputed this several times and requested proper proof to no avail.
Complaint sub-issue: Late or other fees

I have been a Citibank Gold customer for several years. I realized that the bank was taking {$60.00} per month from my checking acct. ( that I rarely used ) because I did not maintain a certain balance. 

I immediately closed the account in XXXX 2017. Since that time the bank claims that I owe them some {$500.00}. I have asked repeatedly for paperwork showing why I owe this money but they have NOT sent it to me. 

For months they were calling me daily, and for months they said they would send me the information. I have NOT received specific information regarding why They are now saying they will report this information to credit bureaus. The calls border on abuse. 

I do n't see how I can pay {$500.00} without any information in writing. This makes no sense. I find these business practices unethical and abusive. Who pays money without evidence that it is owed?
Complaint sub-issue: Card opened as result of identity theft or fraud

I was contacted on my cell phone on XX/XX/XXXX and a message was left by someone identifying themselves as " XXXX calling from US Bank on behalf of XXXX XXXX '' and asked me to contact her at XXXX and provide reference number " XXXX '' I did NOT return this call. 
I then received a letter in the US Mail on XX/XX/XXXX that was dated XX/XX/XXXX with the only letter head identifying : " XXXX XXXX '' at XXXX. XXXX XXXX XXXX, ND XXXX. 
The letter informed me that they had received an application for an account with my name and personal information on XX/XX/XXXX via the internet. 

They then identified themselves as : XXXX W Fraud/Risk Analyst Toll Free XXXX ext XXXX Fax XXXX I did NOT call them but did call the Fraud reporting line at US Bank Credit Cards and they verified that none of the numbers in the above letter are in their data base and they believe it is likely fraudulent. 

On the internet search I made it appears that MANY people have received phone calls from the XXXX number listed above. 

Thank you!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated code 15 U.S.C 1681 Sec. 602 A which states that I have the right to privacy. Also Code 15 U.S.C 1681 Sec. 604 A Sec. 2 states that a consumer reporting agency can not furnish an account without my written instructions. Also the information on my report isn't 100 % correct, that also violates my privacy.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
CA XXXX XXXX Dear Sir or Madam : As of XXXX XXXX XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX  WITH NO Account number XXXX  with a balance of {$42.00} and there's a duplicate with the same alleged owed amount of {$42.00}. This 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/. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent Affidavits to XXXX, Equifax, and XXXX by certified mail asking for proof of Contract with two wet signatures from both parties stating that I am Contracted to pay Child support and have it report on my credit report. I was never provided the evidence and neither credit agency removed the Account, I also have Hard Inquiries that I have Disputed that are also Unauthorized because I never gave them permission with a wet signature to run my credit report and it still remains on my credit report.

I received a copy of my credit report and found the following item ( s ) to be errors.

I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this account via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Please provide me with the method of verification that you and/or your staff used to verify and validate this account- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.