Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

Payment was made to XXXX XXXX XXXX ( have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at XXXX time, XXXX gave me a credit of 5 % on the total bill. ( from XXXX to XXXX ) Received notice from collection services two weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary ( no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX XXXX XXXX am the original creditor, natural person and consumer and I have recently obtained a copy of my credit report and noticed an unauthorized account being reported. I did not give written consent for the unauthorized account to be reported against my consumer credit report which is a violation of my consumer privacy rights under 15 USC 1681 A. I have not entered into any agreement with REC MGM Systems and demanding a validation of this alleged debt by way of contract that gives REC MGM Systems grounds to collect a debt from me. To be clear a statement is not a contract. REC MGM Systems is also in violation of 15 USC 1692 E 2 ( A ) and is causing me grave distress and ruining ( 15 USC 1681 ) my reputation by continuing to report this alleged debt on my consumer credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have repeatedly disputed an account with Commerce Bank due to identity theft and fraud. I provided an FTC Identity theft report on XX/XX/XXXX and requested protection under the 4-day blocking rule. 

Commerce Bank has been exceptionally rude about this situation. They are very well aware they are operating outside of the laws. Further, this account lists 24 months of late payments yet the last payment was XX/XX/XXXX. 12 months is not 24. 

All Commerce Bank has attempted to twist my own words against me. They have continually failed to perform a competent investigation. I requested supporting documentation related to their alleged investigation and none has been provided. 

In addition, On XXXX Commerce Bank received a debt validation letter. They were even notified after a week that no response had come. 

Now it is beyond the 30-day requirement for a response. CB has failed to respond to this formal legal demand. CB is still reporting this debt to XXXX knowing it is invalid, illegal, and disputed to the fullest extent. They have no issues breaking the laws. 

I spoke with a representative named XXXX XXXX today on XXXX. I asked, " How do I get legal compliance? '' XXXX XXXX said, " You don't. '' I said, " May I quote you on that? '' She replied, " Yes.  '' Am I the only one who finds that completely rude, illegal, and unprofessional? 

XXXX XXXX and Commerce Bank need a serious reality check. They are not above the law as they believe. I am requesting this invalid information removed from my report immediately. 

Attached please find the FTC identity theft affidavit and debt validation letter. They are dated XX/XX/XXXX and XX/XX/XXXX. If CB wanted to continue to post invalid information they should have made an attempt at validating this debt as required by law. 

CB 's time is up. I have shown more than sufficient proof of why this debt needs to be deleted to be in compliance with the laws.
Complaint sub-issue: Debt is not mine

This item for a collection from XXXX DBA XXXX And Omega RMS is inaccurate and fraudulent because the original contract was dated XXXX XXXX, XXXX, not XXXX XXXX, XXXX. ( See attached ) Therefore the recent collections effort is outside the Colorado Statute of limitations of 3 years. ( See Attached ) Also, upon trying to contact XXXX XXXX XXXX at the phone number listed online, it is disconnected. ( See Attached ) XXXX XXXX XXXX also never fulfilled any part of its contractual aggreement to connect or set up a date of any kind. Back in XXXX of XXXX I called the office multiple times requesting a refund due to lack of performance on their part. My calls were never returned and soon after the phone number was disconnected. I assumed I was simply a part of a scam and there was nothing I could do to get my money back. After doing research as to the corporation listed on the original contract names " XXXX XXXX '' I found that this company has forfeited existence with the secretary of state and has been inactive since XXXX XXXX, XXXX. ( See attached ). I am requesting that the item be removed from my credit report due to the fraudulence and lack of existence and lack of performance of the company trying to collect monies.
Complaint sub-issue: Information is missing that should be on the report

XXXX is reporting a XXXX dollar missed payment from 2019 when i wasnt in hostpiral for anything then and i had medicare then which would of payed bill so how can they say i missed XXXX  dollar payment
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 the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have reached out to the following credit bureaus : Equifax XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX Equifax XXXX XXXX XXXX XXXX Georgia XXXX in regards to their incorrect reporting with the following accounts 1. The following account is not mine. 
US DEPT ED Account number : XXXX Please remove it from my credit 2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 5. The following account is not mine XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 6. The following account is not mine XXXX XXXX  Bankruptcy Reference Numbers XXXX XXXX XXXX I have asked them to remove them from my report and sent them a demand to remove in addition to the original request to remove these items. It has been over 30 days and they have not handled my updated report. I ask that you enforce the law and have them remove these from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I WANT TO KNOW THE EXACT REASON OR REASONS AS TO WHY THE ACCOUNT FOR XXXX OF A TOTAL OF XXXX DOLLARS. THIS ACCOUNT SEEMS TO BE ONLY REFLECTING UNDER EQUIFAX, AS AN UNPAID- CHARGE-OFF. NOTHING HAS BEEN DONE ABOUT THIS ACCOUNT AND I DEMAND TO KNOW THE REASON WHY. AFTER SEVERAL ATTEMPTS TRYING TO REMOVE THIS ACCOUNT FROM MY REPORT, NOTHING HAS BEEN DONE ABOUT THIS MATTER. THE FIRST ATTEMPT AT REMOVING THE NEGATIVE ACCOUNT FROM MY CREDIT REPORT WAS ON : XX/XX/2018, A DISPUTE LETTER WAS SENT TO EQUIFAX AND THEY DID NOTHING ABOUT IT, NOR DID THEY RESPOND TO MY CONCERN. THIS IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT AND THE GOALS I HAVE YET TO ACHIEVE, PLEASE HELP ME WITH THIS.
Complaint sub-issue: Overdrafts and overdraft fees

Well, I had this account and yes I am doing my best to pay this back and yes this was cause by my XXXX XXXX XXXX which they was putting my funds back into my account for Premium Expenses of my Health Insurance Healthcare Plan of retire medical spending account and yes this has been a complete night deal for me and yes I am not saying I do not owe it but I am getting calls all day and nights in hours of times and yes I did make a payment on this account again on XX/XX/2018 and yes I am doing all I can to handle this and yes I was on the hospital the last past week of my heath problems and I only work part time for the XXXX XXXX XXXX in XXXX, California and I do not make to much money an dyes I started to get my Social Security Retirement Benefits this month and I am doing my best to handle what I can to pay this and yes I di d stop by the bank on XX/XX/2018 and try as much as I can on a payment, please I am not well an di do feel they are harassing phone calls, so I am asking that they do not call me or send me any thing, each time I go and make a payment on this I can not even get a balance how much I still owe and yes I would like to know what they are charging me on this too, thank you for your complete help on this now
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX  XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX  XXXX - XX/XX/2021 Discover - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called XXXX XXXX and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these inquires.
Complaint sub-issue: Account status incorrect

THE ACCOUNT HAS REACHED THE STATUE OF LIMITATIONS AND SHOULD NOT BE REPORTING ON ANY OF THE CREDIT REPORTING AGENCIES. PLEASE REMOVE THIS ACCOUNT FROM ALL THREE CREDIT REPORTING AGENCIES
Complaint sub-issue: Transaction was not authorized

Optum bank charged my account for {$100.00} on 3 seperate occaisions. XX/XX/2022, XX/XX/2022, and XX/XX/2022. Then teice for {$200.00} on XX/XX/2022 and XX/XX/2022. Ive filed disputes with them to no avail.
Complaint sub-issue: Don't agree with the fees charged

on XX/XX/XXXX and XXXX XXXX 2021 i payed XXXX $ and XXXX $ to us department of education for old student loan debt that was currently discharged.
Complaint sub-issue: Banking errors

Withdrawal was made from the account I had by others.
Complaint sub-issue: Account status

See the attached dispute results, dated XX/XX/XXXX, showing XXXX credit card account XXXX " updated ''. 
Based on the reported Date of First Delinquency/FCRA Compliance Date of XX/XX/XXXX, as well as applicable state law ( NY GBL 380j ) limiting reporting of paid charge-off accounts to no more than 5 years, this account was considered " obsolete '' and had to be deleted as of XX/XX/XXXX.
Complaint sub-issue: Account status

Please see attached documentation that I received from XXXX today stating that my loans were in general forberance during the specified time periods. Therefore, the loans should not have been reported as delinquent on my credit report. I feel as though all of my loans that are with account number XXXX should be corrected to reflect the attached letter. I spoken with XXXX multiple times and they declined to fixed their reporting. I do n't think it 's right that my credit report is affected negatively due to this inaccuracies. The letter from XXXX clearly states the dates of my forbearance. This has caused me to suffer significantly in regards to credit approvals, which includes, but not limited to higher than normal interest rates, required deposits, and denials. 

Furthermore, attached is an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' I have tried to dispute this multiple times throughout the years with no.resolution. I would like for the CFPB to present my position along with the documentation provided to all ( XXXX ) major credit reporting agencies so that they can take the appropriate action in fixing my credit report. As reflected on my credit report attached all loans have since been paid and I do not owe XXXX for the accounts in question. How is it possible that my loans can reflect in deferment per the XXXX attached letter, but appear delinquent on your credit report? This is a major conflicting discrepancy that I wish to get resloved because essentially I believe that my credit report should match the statement provided from XXXX. I desperately seek some form of relief. 

Thank You FTC advisory opinion : https : XXXX I have also attached my credit report that will reflect the late payments on XXXX, XXXX, and Equifax.
Complaint sub-issue: Debt resulted from identity theft

For 4 years I have been fighting off several collection agencies for a {$150.00} bill from sprint that was the result of someone pretending to be me and obtaining service. 

Now ERC wants to collect this money thinking that once again damaging my credit and hounding me I will give in because the amount is small. 

The representative at ERC told me that the only thing I can do is pay.
Complaint sub-issue: Investigation took more than 30 days

I am filing a complaint again as my right under FCRA and fair credit and billing act and HIPPA privacy have been violated. I have for several months trying to get Equifax to resolve these collections below and the end of the complaint. I am filing a complaint again as there have not been any answers back from Equifax as I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to Equifax to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. Equilfax has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX to make inquiry. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to all 3 bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. 

disputed Collections XXXX XXXX  Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00} XXXX XXXX XXXX Opened XXXX {$570.00} XXXX XXXX XXXX Opened XXXX {$620.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received credit alert from XXXX for attempted installment loan inquiry by Cathay BankXXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX twice. I contacted to Cathay bank for stop inquiring the loan because I have not apply them. Cathay bank did not respond my e-mail for a month and didn't do anything. I have to place a lock my credit to XXXX by myself. Finally, agent from Cathay bank called me to identify me. It seems like another individual was trying to get a loan by using my false Id. Be aware of this id theft. It happend me three time already.
Complaint sub-issue: Application denied

I am having trouble getting credit. No one will give me a credit card. My credit score has not moved in months and I am trying to buy a home. I think my credit has been taken by family or friends, also bank accounts have been hacked on money is being taken out of my account. Please review. 

XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX ss # XXXX
Complaint sub-issue: Account status incorrect

A Payment was made to bring the account current prior to AES/PHEAA reporting to the Credit Bureaus XXXX however AES/PHEAA deliberately reported that the payment was past 30 days and I believe it is in response to them being spiteful and them retaliating against me for reporting them to multiple Regulators. I can tell you right now that these complaints will continue, because future borrowers should be extremely aware of how AES/PHEAA operates XXXX They appear to create their own rules while ignoring Consumer Protection laws. It is no surprise that they were unable to prove beyond the shadow of a doubt that they weren't incompetent and/or creating situations for borrowers that were questionable, such as converting promised Grants into loans for educators. Ms. XXXX knew what was going on, and so do various other State Legislators. When payments are late but paid before you submit to the Credit Bureas, AES/PHEAA had advised me that they will not report that it was 30 days past due in the past. It is clear that people lie within this company. I've already seen multiple employee comments complaining about this company also saying that morale is bad and management treats people badly. There's a shocker. 

People are doing just this : https : XXXX https : XXXX
Complaint sub-issue: Account status

I paid off a debt with XXXX XXXX and my credit report with Equifax has not yet been updated. I am including proof of payment.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE MANY INQUIRES ANS APPLICATIONS ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE OR GIVE ANY ONE CONSENT TO USE MY SOCIAL SECURITY NUMBER THESE INQUIRES ARE FRAUDULENT ON MY CREDIT PROFILE
Complaint sub-issue: Investigation took more than 30 days

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. 
I sent copies of XXXX  and XXXX  removing the same account in question due to not being able to verify the accuracy, compliance, and report ability. 
Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX XXXX XXXX  XXXX, XXXX. XXXX ( C.D. XXXX. XXXX, XXXX ), you may be liable for your willful non- compliance. 
The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act and no validation in the 30 day time period.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an inquiry from XXXX XXXX dated XX/XX/2018 on my credit report. At the time, I was checking online with XXXX to view my rates on a loan. In doing so, the disclaimer said this will not affect your credit score as we will not pull a hard credit inquiry. 

The next day, I received an alert on my credit monitoring service that a new inquiry was made with Equifax and XXXX XXXX from XXXX. 

I called XXXX and spoke with an account manager. They agreed that a hard inquiry should not have been requested and asked that I fax over the credit reports in question. 

I received correspondence from XXXX that they have requested the inquiry be removed from my credit report as I never applied for the loan. 

XXXX  removed the inquiry and sent me a new credit report which is attached as well as the letter from XXXX and the letter from Equifax saying they will not remove the error.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Information is not mine

My Equifax credit report has an account that I have no knowledge of, as well as a collection account for the above account. I have disputed this account for two years and have gotten no where with the creditors, collection agency, and the credit bureaus. The account in question is XXXX XXXX XXXX, and the collection agency is XXXX XXXX. Both companies are reporting an address that is not my residence, in fact it is about XXXX miles away. The address that is reported is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I want any and all accounts, connected with this address deleted. I do not reside there, nor do I receive mail there. I have asked for validation with my signature on several occasions, and had never received validation for these accounts. Please have these accounts removed immediately.
Complaint sub-issue: Information belongs to someone else

I like to file a dispute for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have filed and Identity Theft Report and the report number is XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.