Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

After reviewing my credit report dated  XXXX / XXXX /   2017  and  XXXX / XXXX  /2017 I n oticed that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX   2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017. T his is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law s ection 37-20-110 . I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX And XXXX XXXX XXXX Were sent the FTC and police reports they do not want to comply Sent affidavit also
Complaint sub-issue: Reinserted previously deleted info

The collection agency namely XXXX keeps reporting information on my report that does not belong to me. They were unable to verify this debt belonged to me back in XXXX of 2015 and all XXXX trades were deleted well low and behold they are back at it again and the credit reporting agencies are allowing them to report this trade again even though it was deleted the last time because they could not verify any of the information pertained to me. Im sick and tired of doing this every 4 months I want these trades deleted from my reports at once and to never ever to return and I want this collection agency to be held accountable for falsely reporting information that does not belong in peoples reports. These entries have destroyed my credit score to say the least and they need to pay for this. I have disputed this again with all XXXX credit reporting agencies. It is your job to warn them them that these trades must never ever appear in my report again. Im not going to wait 30 days for another investigation I want these deleted like 5 minuted ago meaning now not 30 days from now but right now, Im tired of these collection agencies just doing whatever they please and have to not answer to anyone. I can not give you the full account numbers for the trades as the credit reporting agencies do not provide the entire account numbers for them. To put it plainly anything that says debt recovery solutions needs to be deleted
Complaint sub-issue: Debt is not yours

I received a copy of my credit report and am disputing some items that need to be deleted. 

Name : XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$500.00} Name : XXXX XXXX # XXXX Account # : XXXX Amount : {$720.00} The reasons why these items should be deleted are indicated below : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ) ]. According to the provisions of 612 [ 15 USC1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below.
Complaint sub-issue: Personal information incorrect

I have been disputing incorrect names and addresses with Equifax for over the past year and they are still reporting this erroneous information still. I have asked them to remove all names and address that's not associated with me and they have not.
Complaint sub-issue: Information belongs to someone else

CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information by having a vulnerable public-facing website that allowed hackers to access and distribute my personal and financial information. Equifax did not directly notify me of the breach, instead I found out through the news. Now, because of their mistake, the burden is on me to additionally protect and monitor my credit for the foreseeable future. They are doing the bare minimum to assist their customers in the aftermath of this breech, offering only a year of free monitoring service that will be auto-renewed after a year, potentially costing me money if I forget to cancel it. If I choose to freeze me credit, that cost would be mine to bear. 
NOT TO MENTION the insider trading that took place when several of their executives sold their stock in the company before the breach was made public. Totally unacceptable and morally reprehensible!! 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I, and all of their other customers, are compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Balance XXXX {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Problem with fees

Citi Bank through Bestbuy have charged me a total of {$41.00} in four different charges on XX/XX/XXXX {$2.00}, XX/XX/XXXX {$13.00}, XX/XX/XXXX {$12.00}, and XX/XX/XXXX {$13.00} for debt protection. 

They previously were required to refund me over {$150.00} for these same charges in XX/XX/XXXX when the CFPB required they reimburse {$700.00} XXXX dollars and pay a fine of {$70.00} XXXX. 

Citi Bank continues to add these unwanted and non-requested services to accounts. 

I spoke with them today and they claim i signed up for this service in XX/XX/XXXX and claim to be sending me a signed form. 

They also stated they would cancel the service and refund my money.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax multiple times to dispute the fraudulent hard credit inquiry by XXXX and XXXX that occurred on XX/XX/2019. Equifax always finds that they can not remove it and I should contact XXXX. I have letters from XXXX and XXXX admitting it was a fraudulent application for credit that resulted in the inquiry and agreed to have it corrected on my credit report but nothing ever happens. This has been going on since I reported it to XXXX and XXXX on XX/XX/2019. I am considering legal action against all 3 companies ( Equifax, XXXX, and XXXX ) since they share responsibility for damaging my credit by continuing to allow the fraudulent hard inquiry to be on my credit report after being notified multiple times to correct it which means they have acted in bad faith.
Complaint sub-issue: Debt was paid

The collection agency in question persists in illegally trying to collect on a Home Depot store credit card that was closed by me in the Summer of XX/XX/XXXX, submitted for collection on XX/XX/XXXX and subsequently disputed as inaccurate on countless occasions, although the creditor and collection agency steadfastly refused to generate a legitimate amount owed.
Complaint sub-issue: Billing dispute for services

Payment made on XX/XX/XXXX from XXXX Checking account Key Bank calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. Key bank representative advises me to file a dispute with XXXX Filed Online Banking Dispute with XXXX XXXX payment XXXX XXXX XXXX reaches out to Key Bank XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) Key Bank stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called Key Bank with me, XXXX XXXX XXXX Online banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called Key bank on XX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XX/XX/XXXX payment made with XXXX check at Key bank location XX/XX/XXXX XXXX XXXX , NY Male from Key Bank ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my Key Bank mortgage is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call Key Bank directly to rectify. The same day, I called back Key Bank and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from Key account # around the same time ( will show on past Key statement ) XXXX was able to get Key Bank mortgage on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX stating that they will be mailing out a paper check for the balance that should have been applied to the Key Bank mortgage. Paper check was dated XX/XX/XXXX ( see attached ). Received check from Key for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -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. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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**** and XXXX  XXXX****
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are about 40 inquires from car loan companies from XX/XX/2017. I have tried to cal and write to all three credit bureaus and provide proof that I did not authorize all this inquires and they refuse to assist me.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive disputed A collection with XXXX. XXXX  XXXX XXXX  XXXX. Are reporting my XXXX XXXX account as {$860.00}. The amount owed is {$860.00}. My Experian credit report. Shows this same account as XXXX XXXX XXXX XXXX XXXX XXXX account as {$860.00}. I received a Certified Letter from AD XXXX XXXX  XXXX  today. From the USPS. This Certified document. Shows I owe {$860.00}, not {$860.00}.
Complaint sub-issue: Talked to a third-party about your debt

I asked XXXXAlorica Inc not to contact me or my wife ( co-signor ) by phone. They received mail from me disputing the alleged debt and failed to validate according to 15 USC 1692g. They called my phone and I missed the call, as I was working. They called my wife and stated I told them not to call me but left out I said do not contact us by phone. She then told them to only speak to me regarding the account. The responded to my initial dispute and then failed to respond to my rebuttal. They then spoke to a 3rd party I gave no consent to have my information and told them to call me. The agent spoke about the company moving into repossession stages and further discussed me paying XXXXAlorica Inc XXXX I informed her of XXXXAlorica Inc failing to respond to the rebuttal and that they were in default. I then stated that her calling still counts as a violation and also identity theft as I did not give permission for her company to have my information. On XXXX XX/XX/2022, an agent XXXX XXXX contacted me by phone to discuss the account. It was an inconvenient time as I was filing a document in court. I asked his permission to call him back. XXXX XX/XX/2022 I spoke to XXXX. I brought him up to speed on the account and he asked for copies of the affidavits furnished to XXXXAlorica Inc . I have proof of XXXX XXXX cyberstalking one of my social media accounts. XXXX XX/XX/2022 I sent the copies to XXXX and informed him if any further injury was caused to me or my wifes consumer reports, that communication would serve as a notice of intent. I can forward whomever gets this complaint copies of everything as well as provide certified mail tracking numbers. Thank you for your diligence. The account is for a XXXX home my family currently domiciles in.
Complaint sub-issue: Reporting company used your report improperly

My identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. XXXX and Equifax refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have disputed the account for XXXX through the credit bureaus. The results came back as meet FCRA requirements. 

XXXX need to provide documentation showing that I opened an account with them in XXXX XXXX. I never opened an account with XXXX in XXXX. 

I am asking for them to delete this account from my credit reports if they can not provided documentation showing that I opened an account with them in XXXX. 

And how can I owe on an account that I never opened in XXXX. 

And also to note, I have the proof showing that they removed the account from my credit and then put it back on my credit stating that I dispute and meet fcra requirments. 

This is not fair for them to report false information on my credit saying I opened an auto loan and XXXX. I never opened a loan in XXXX with XXXX or any auto lot. 

Please can this be resolved? I would greatly appreciate it. 

Thanks.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2021 my banking account was compromised. The hacker had taken all of the money in our savings account and transferred it to our checking in hopes of being able to use it. Fortunately, I noticed the transaction on Sunday, XX/XX/XXXX. I called the bank immediately and they transferred my funds back to savings and put a hold on my accounts. The hacker had already tried placing an electronic transfer to the company called XXXX XXXX on XX/XX/XXXX but because it was the weekend, it didnt attempt to clear until Monday, XX/XX/XXXX. The transfer had been declined because I had XXXX XXXX put a hold on all of my accounts. Now I have a company called TRS services contacting me about a debt that I owe to XXXX XXXX. I will attach all three letters I have recieved. I dont have an account with XXXX XXXX and I tried to contact them and ask them to clarify that but they were no help. They dont even have a contact number to speak with someone over the phone. I really have no idea how the business works. I dont owe the company anything. My bank account was used by another person.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XXXX a card presented as my WISELY card was fraudulently used to withdraw all funds ( {$260.00} ) from my account at an ATM in XXXX XXXX CA .while my card is still in my possession and while I was working a XXXX hour shift at XXXX in XXXX CA XXXX I filed a complaint with WISELY card services but the outcome was that there was no fraud and my money was not refunded. My company continues to use wisely for deposits for my meals on a daily basis but now Im scared to use the card so its been locked. I would like to warn everyone wisely its NOT SAFE and they will not do an appropriate investigation. Wisely case number : XXXX.
Complaint sub-issue: Reporting company used your report improperly

This company is breaking the consumer law with their improper use of my report.
Complaint sub-issue: Can't close your account

Recently Discover closed my credit card account. They did not provide a reason even though I had never missed a payment and my credit score is always around 800. The credit card account has a credit balance of {$6000.00} Over the past few weeks I have repeatedly asked them to send me a check for the balance. They have refused.
Complaint sub-issue: Account status incorrect

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 
In accordance with the Fair Credit Reporting Act below, the following accounts 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. 
A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. XXXX XXXX reporting guidelines state : Accounts reported in error must be deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten anything in response please remove this inaccurate inquiries information 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 XXXXEquifax XXXX XXXXEquifax XXXX XXXXEquifax XXXX XXXX-Equifax XXXX XXXX-Equifax XXXX XXXX XXXXEquifax XXXX  XXXX-Equifax XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXXEquifax XXXX-Equifax
Complaint sub-issue: Information belongs to someone else

The following accounts are not mines and nor do I have any knowledge of these accounts. I'm asking that the following accounts be blocked from my credit report, ( 1 )  XXXX XXXX, ( 2 ) SXXXX XXXX XXXX, ( 3 ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX IS INCORRECTLY REPORTING ME AS DECEASED IN MY CREDIT FILES. I AM NOT DEAD. I HAVE CONTACTED EQUIFAX MULTIPLE TIMES AND PROVIDED THEM WITH PROOF AND THEY ARE NOT CORRECTING THE INCORRECT REPORTING. EQUIFAX IS COMMITTIMG A FRAUD ON ME AND REPORTING ME AS DEAD WHEN I AM CLEARLY NOT DEAD IS A FEDERAL CRIME. I HAVE ALSO CONTACTED MY STATES ATTORNEY GENERAL AND TALKING TO A LAWYER TO FILE A LAWSUIT FOR FRAUDULENTLY REPORTING ME AS AS A DEAD MAN WHEN CLEARLY BASED ON THE EVIDENCE THAT I PROVIDED I AM ALIVE.BASED ON THE FRAUDULENT INFORMATION PROVIDED BY EQUIFAX I AM UNABLE TO GET A CAR OR A HOUSE AND LIVE MY LIFE BY CLEARLY BEING NOT DECEASED. 
PLEASE DO YOUR JOB AND FIX MY CREDIT FILE.