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

Upon checking my credit report I noticed a medical collection from XXXX for {$60.00}. The debt had been transferred to XXXX XXXX  XXXX. I contacted XXXX and they were unable to pull up any information that matched my name, dob and address. I let them know that the debt was on my credit report and they were the original creditor. They advised me to dispute the information with the credit bureau because they could not delete a record they could not find. I disputed the collection with all three credit bureaus. Both XXXX  and XXXX deleted the collection, based on the lack of ability to properly verify all reported information being accurate. However Equifax reported that they did not delete the collection because it was valid and they had verified the information. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Equifax used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been dealing with this company that is in violation of Hippa laws, constitutional rights, and contract laws. I have asked them to remove old information, inaccurate and non-valid accounts from my report. The most recent letter i sent to them was on XX/XX/18. I asked them about hard inquiries from companies i never done business with. I have collections for companies i have never done business with. I have accounts that have been closed or consolidated that still show open or payment history. I have phone numbers and addresses that i have never been associated with.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Received bad information about your loan

I recently went online to XXXX to learn about public loan forgiveness. I did not know that all this time, I've been playing back federal loans under the wrong plan. the website suggested I apply for the new program since I had more than 10 years of payment. I applied and have heard nothing. I also applied in XXXX and XXXX. I went back to the site in early XXXX to make sure I submitted everything I was supposed to submit to be eligible. when I went through the advice website ( which was not updated ) I was told to apply for an XXXX repayment plan and to consolidate my loans. I had two federal loans, one for my school and another a PLUS loan for my daughter. I tried for several days to call the phone number given but never got through, on a few occasions, when they called me back, they hung up on me before answering. In a panic, I filled out everything and got my husband to sign. I went back to the site on XX/XX/XXXX and created an account on XXXX to see if I could find the status of my application. in the electronic inbox, there were two letters stating that I should reconsider consolidating and that they were almost done with consolidating my loan. There is no way I would have seen letters in an electronic inbox of an account I had not signed up for ... .the letter stated that I would have to start over in order to qualify for the PSLF program. I paniced and called them to no avail, then ai sent an email stating that I never received the warning letters and to please stop the consolidating process. ON THAT DAY they quickly completed the process and paid off my loan. Now I am stuck with a consolidated loan I did not want and I've lost 10 years of repayment. It turns out that I was supposed to only apply for an ICR payment plan but the application is confusing and suggests that you also fill out the consolidation piece. It also states that you can not get PSLF if your loan servicer is not Fed Loan. I thought that since I did not fill out the consolidation form in XXXX or XXXX that was the reason they did not have my paperwork. this is fraud. I would like to see all of my applications that I sent to XXXX since XXXX and the documents that state exactly when they completed my consolidation. also, I want receipts that they actually sent me the XXXX letters warning me about consolidation to my home address or email address. this mistake has cost me more than repayment of my {$200000.00} loan, since I am XXXX I will not have 25 years of work to pay off the rest of the loan and I was told that I will not get my government retirement because I have loans due. PLEASE HELP ME I do not know where to turn and this is unfair. There is no reason that I would consolidate my loan if I had known that m y 10 years of repayment while working in public service would be lost. thanks for reading.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

today, XX/XX/20 I tried to get pre-approved for a mortgage through my credit union. I was told I was unable to get aproved and that my Equifax credit report was much less that I anticipated. I called Equifax, after placing a dispute and waited on hold for nearly an hour before getting hung up. I called back, waitied another 70 minutes and finally got through to soneone who had no clue how to help me. I asked to speak to a supervisor, who i was placed on the phone with. Agian, after asking some questions he hung up on me as well. It's crazy to believe these representives, who barely speak english and have limited ways to help are the solution to trying to get help and ultimately a mortgage.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed these two accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly
Complaint sub-issue: Deposits and withdrawals

Bank of the West is reordering electronic deposits and withdrawals in our business banking account. We receive notification of a deposit 2-3 days prior to the deposit appearing in our account, a pending deposit. Our company payroll is also processed electronically, on or near the pay date which is on a Friday every other week. In the last month we have had two separate instances where the deposit and debit post on the same day, yet we have been assessed an overdraft fee.

The bank reversed one of the fees when I inquired about the first charge and stated we should apply for overdraft protection on this account. The overdraft protection is expensive, it applies a fee whether it is used or not and has a significant percentage rate on the overdraft amount. The bank seems to be reordering deposits and withdrawals in order to charge a fee or force us into an even more expensive overdraft line of credit. We have no control over when these electronic items process, we as consumers are entirely in the dark regarding these transactions that appear to be nothing more than a vehicle for the bank to assess more fees to a small business.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX Bank. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is
substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX Bank I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Complaint sub-issue: Problem with fees or penalties

I have just been informed by mail that US Bank wants to charge me an annual maintenance fee of {$30.00} for a traditional IRA that only made {$14.00} interest last year. They are charging this amount as the IRA is under {$25000.00}. I asked to cash it out and they said that they would charge me {$230.00} to do that. My husband and I are XXXX XXXX living  just above the poverty line and {$230.00} is a huge amount to us. Are banks able to do this to us? This account was transferred from State Farm bank as they do not do banking anymore and we never had any problem with them. We have had the account with State Farm Bank since 2006. When this account was transferred to US Bank we were not informed of any maintenance charges or that there was a withdrawal fee. I feel that we are being DISCRIMINATED against as it is a small account. They do no maintenance on the account and even if they did everything is computerized so that hardly justifies any maintenance charge.
Complaint sub-issue: Frequent or repeated calls

THIS IS A FRAUDULENT ACCOUNT SO I DONT KNOW ANYTHING ABOUT THE ACCOUNT.
Complaint sub-issue: Not given enough info to verify debt

This debt was created when my son vacated his apartment. I co signed for the apartment. When my son left, he left a deposit to pay all bills and enough for additional cleaning if necessary. The apartment was signed off my management as everything was in " ok '' condition. We then got a bill from the apartment claiming they needed to do repairs and were doubled billed for cleaning. I disputes the bill, contacted the apartment management several times, but they never provided any proof that the additional fees were real or necessary. I was physically I the apartment and saw that the additions fees were not necessary. The account went into collections in dispute, verification of the fees owed was never provided. I communicated this fact with the collection agency on several occasions and even evidenced that I contacted the XXXX, but nor the apartment management nor the collector provided any evidence or verification of debt. The most I got was a typed form listing the supposed charges and the collectors right to collect. This debt issue has already been removed from my other XXXX credit reports.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX i tried to dispute it because i settle the payment with XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX for the amount of {$210.00} and they saying i still owe for that. I would like it deleted from my records!
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XX/XX/XXXX Brown Olcott , PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Made an inquiry for collection of a debt. 
I called on XX/XX/XXXX and left a message along with the case # XXXX for bankruptcy for them to remove the inquiry. 
It is still on reports.
Complaint sub-issue: Attempted to collect wrong amount

on XX/XX/2021, i sent JEFFERSON CAPITAL SYSTEMS , LLC a letter about a alleged debt of XXXX that i don't owe.i requested the validity of the debt but never received anything from them so i sent them another letter on XX/XX/2021 requesting more information about this inaccurate item that is being reported on my credit.I sent them XXXX certified mail on both occassion. ( XXXX ) XXXX XXXX XXXX XXXX XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I sent a letter asking to verify their method of verification for listing an alleged bankruptcy on my credit report. On XX/XX/XXXX I sent another letter as the company did not respond to my XX/XX/XXXX letter. On XX/XX/XXXX I sent my third letter as the company did not reaping to my previous two letters. On XX/XX/XXXX equifax finally responded stating the item was verified by XXXX XXXX. On XX/XX/XXXX I sent a certified letter with an enclosed letter from XXXX XXXX stating the item was unable to be verified. On XX/XX/XXXX I sent yet another certified letter and the company has not responded since XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$50.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4200.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;
Complaint sub-issue: Information is missing that should be on the report

Please see the two attachments that consists of correspondence. They specifically address what the request is. The company sent a form letter stating that the request was handled, but XXXX in their Customer Service department verified that it was not taken care of after all! 

This is a credit card company ; the vast majority of credit card issuers report to the credit bureaus for all users on the account, whether that person is an account holder or authorized user. This company, for some reason, will not report for an authorized user! Why are they different, and what gives them a right to be?? 

PLEASE NOTE : I have also tried to get XXXX XXXX involved, as it is their credit card. With the exception of XXXX getting my correspondence to the right department, they have totally ignored us and have not helped at all despite three requests!
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I'm a consumer who sent my FTC report to XXXX, XXXX, and Equifax on XX/XX/XXXX and I still haven't received a verification letter for my dispute from either CRAs.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These credit inquiries are unauthorized and need to be removed from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I would like to send a complaint about these three companies, EQUIFAX, XXXX and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive services that were advertised

About XXXX/XXXX/XXXX I placed a " Security Freeze '' on my credit file with Equifax after finding out that I was one of the 125M people whose personal information was breached. Today ( XXXX/XXXX/XXXX XXXX, I used the Equifax email link to complete enrollment for " TrustedID '' offered by Equifax. After starting the process through creating a password, I got bounced to a pop up giving a phone number to call. I spoke with someone at the call center ( hoping it was a legitimate call center asking for personal info ). The woman said I failed to complete the security question process and I explained that I got the call center pop up before getting to the security question and the pop up said my enrollment was incomplete. The woman had difficulty getting my info and because of call volume, she said, her computer was very slow. I tried the enrollment link, and it said I was enrolled and to go to an Equifax link. [ [ [ Screen info is shown below. ] ] ] But, again, another pop up said XXXX was unable to complete activation. After spending more time on the line with the call center, I said to forget her effort and I 'll file a complaint. 

This mess is truly unbelievable. Why am I having to spend my time registering, activating, giving more info to Equifax, calling XXXX, hoping that my credit, my bank accounts, my retirement is " safe '' and now filing a complaint? And, if for example, one of my accounts is drained by thieves, where will Equifax be? This is an industry long, long overdue for scrutiny and legislation to protect the consumer, not the company. Unbelievable! 



Product Already Activated Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. 

Please go to XXXX to log in to your product. 

TrustedID XXXX XXXX XXXX. Log in. Forgot your password? 

If you have any questions, please contact our call center at XXXX. 



Enrollment Error We are unable to activate you online. Please contact Customer Service at XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

XXXX XXXX  XXXX. XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX card is reporting to XXXX XXXX is reporting the account is closed. It can not be updated to active because it's closed. 
XXXX XXXX XXXX is reporting said account on XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Complaint sub-issue: Didn't receive enough information to verify debt

This is a two-fold issue, I will address these separately below : 1 ) Collecting a Time Barred Debt : In XX/XX/2022, while looking for information about a similarly named family member on the ClarkCountyNV.gov website, my wife discovered what appeared to be an open case against me with our local court. We had no knowledge of this case having never received a summons or any other communication regarding this XXXX XXXX XXXX case. On XX/XX/2022 my wife called the debt collector involved, Rausch Sturm LLP, to resolve the issue NOT KNOWING OR BEING ADVISED that this was now a time barred debt that we could not be sued for. At no time during her conversation with the Rausch Sturm representative was she informed of this and that by speaking with this representative she was actually restarting the clock on this old debt. 

2 ) Reneging on Agreement : During the conversation with this representative, a financial agreement was made and my wife was informed that as soon as the agreed upon amount was paid, a Satisfaction would be sent to the Court. On XX/XX/2022 we received an email confirmation from this representative. 

On XX/XX/2022 the agreed upon amount of {$320.00} was made via phone to Rausch Sturm. This was posted to my wife 's bank account in the form of an ACH check on XXXX XXXX. 

On XX/XX/2022 my wife emailed the representative informing her that the case was still showing as open on the ClarkCountyNV.gov website and asking to have it updated as per the Agreement. 

No response was received. On XX/XX/2022 my wife sent another email to " XXXX '' regarding the above. No response has been received and as of today, XX/XX/2022 the case is still showing as open.
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 {$350.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$350.00} -This is not my account.