Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS THAT ARE BEING DISPUTED WERE NOT AUTHORIZED BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS LISTED. IT HAS BEEN BROUGHT TO MY KNOWLEDGE THAT THOSE ACCOUNTS HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FOR QUITE SOME TIMES AND I HAD NO IDEA HOW THIS HAPPEN. PLEASE IF THERES AN INVESTIGATION THAT CAN BE DONE TO HAVE THOSE REMOVE OFF MY CREDIT, PLEASE HAVE IT DONE TO CLEAR MY REPORT OF INACCURATE ACCOUNTS.
Complaint sub-issue: Information belongs to someone else

As per the Congressional law I was granted by them to request the documentation associated with this account. I am requesting for the wet ink contract that I singed with Child Support.
Complaint sub-issue: Reporting company used your report improperly

I 'm part of the Equifax security breach. Discovered this breach happened over a month ago and they just notified the public about it.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX  partial account number ***XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Debt was paid

This company has been reporting an invalid medical debt to XXXX since XXXX of XXXX. 

When I requested debt verification, the only documentation they could provide was the name of the company and the supposed amount owed. 

They have yet to produce - A copy of an original written agreement between the company and myself. 
-Proof that they have the right to collect in the state of Maryland This is currently beyond the statute of limitations in the state of Maryland XXXX The procedure was over 7 years ago.
Complaint sub-issue: Trouble with how payments are handled

1. My loan has been improperly calculated under the IBR XXXX % repayment program since XX/XX/XXXX. Specifically the providor used my gross income instead of my adjusted gross income. Upon contacting them they promised to review the loan within 30 days, to date they have not. 

2. I requested to be switched into the new REPAYE program on XXXX/XXXX/15, to date I have not been switched even though I qualify. To date they have not honored my request.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/2021 Balance : {$190.00}
Complaint sub-issue: Talked to a third-party about your debt

USCB AMERICA is sending letter stating that I owe a debt that is not validated. Without any valid proof of contract. Which is in Violation of 15 USC 1692b ( 2 ). 

USCB AMERICA is threatening to submit negative report to the credit reporting agencies, which is a threat to take an action that can not be legally taken. Which is a Violation of 15 USC 1692e ( 5 ) USCB AMERICA is willfully using threats to harm my reputation by threatening to submit negative report to the credit reporting agency. Which is in Violation of 15 USC 1692d ( 1 ) On multiple counts USCB AMERICA violates 15 usc 1692b ( 5 ) by willfully including logos/symbols and other language in the content of the communication
Complaint sub-issue: Company closed your account

Okay so right before the week leading up to XXXX I was struggling financially and I made a post on social media asking for help, Shortly after say later that day a guy reaches out me and says the XXXX XXXX wants to help me but he couldnt use XXXX XXXX or third party payment apps, he told me even over the phone like very thoroughly explained it all and said he was sending my assistance over via e-check and I could have it in less than a few hours after I cash it, I was so excited and in need of food and groceries, gas etc I didnt realize it could be fake, why would a scammer pay someone else and not ask for anything in return so now here we are, and now I look like a bad person a scammer who purposely did it when I didnt the lady at CitiBank when I called yelled at me out of nowhere when I told her it wasnt me. Its a whole mess now
Complaint sub-issue: Problem getting your free annual credit report

Each time I call XXXX and Equifax for and annual copy of my credit report they always ask me questions that do not pertain to me then when I answer them they tell me I didn't answer the guest ions correctly. I asking that XXXX and Equifax ask accurate questions that pertain to me and when I answer right for them to except my answer.
Complaint sub-issue: Their investigation did not fix an error on your report

Nine out of ten times issues need less governmental regulations. This is that one time more governmental regulations are needed. I am not sure if this is in your purview or needs an act of congress. But there needs to be more oversight and regulations concerning the three credit reporting agencies. Credit reporting agencies need to work for consumers and not for the CEO, their shareholders, or anyone else, but consumers. Consider these factors that need attention.

ISSUE : Items appearing on your credit report.

The current regulations state that credit inquiries remain on your credit report for 2 years while bankruptcies remain on your credit report for 7 to 10 years depending on the type of bankruptcy. These old regulars need to adapt to today 's reality. First, inquiries should be on ones credit report no more than 1 year and automatically drop off without a consumer having to request that they be removed. Bankruptcies while a relief can also be a hindrance. They should only remain on ones credit report for no more than XXXX to 5 years. If they are to be relieved they should not follow the consumer for almost a decade. Consider how companies can escape so much, but consumers cant. Case in point, student loans. 

ISSUE : Score inconsistencies between all three credit reporting agencies. 

Regulations are needed to ensure that credit scores are similar across all three credit reporting agencies when there are no differences. For example, my XXXX score is XXXX points higher than my XXXX score. Yes, XXXX points. Depending on which agency a company utilizes means the difference between getting a mortgage or employment. It is daunting to have to keep up with XXXX credit agencies where inconsistencies occur between all three. 

ISSUE : Credit Reporting Agency Compliance. 

The process in which a consumer can complain about a credit agency needs to be simplified where there are real consequences when a credit agency does not comply. Agencies take their time to make corrections and when you factor that the damage has already been done, what can consumers do? Credit reporting agencies have to work for consumers. There can be nothing less. 

This is the age of the consumer and we need to start making credit reporting agencies work for consumers. Thank you for your time. I look forward to your thoughts and response.
Complaint sub-issue: Account terms

XXXX XXXX XXXX is not allowing me to make a payment to them on a debt listed on my credit report. That is illegal. They must be listed as original creditor. This is very common, maybe most-common with utilities. Any creditor listing a derogatory line item must offer me a means of repayment, to the name, as-shown on my credit. ( and rightfully so, who expects ANYONE to make payments to a random third party ). This line item must be deleted and re-reported with correct collection information This is the final time before I seek legal counsel. Please find attached voice audio, of the listed creditor, DENYING my payment attempt! THAT IS ABSOLUTELY NOT LEGAL.
Complaint sub-issue: Didn't receive enough information to verify debt

On a routine credit report, I found a notification that I may have an unpaid balance of {$180.00} based on a bill from XXXX XXXX XXXX. This was my first notification on this matter. I have received no notifications, bills, calls, online notes or any information about this, zero. Also, when I periodically reviewed the XXXX billing website, I found no notification that I owed any unpaid amount to XXXX. I have always paid other bills with XXXX and this was a complete surprise! 

On XX/XX/XXXX, after reviewing my credit report, I contacted the XXXX XXXX XXXX by phone. XXXX would not provide any information regarding the specifics documenting the debt or any confirmation that I was ever notified ( other than XXXX indicating that the debt was based on unspecified XXXX   XXXX  for an unspecified patient, on XX/XX/XXXX ). I also confirmed that XXXX has my correct mailing address and contact information. 

Subsequently, In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), on XX/XX/XXXX, I called the Collection Manager at Progressive Management Systems in XXXX XXXX, CA. They noted that they had not contacted me about the debt but would provide no information or any verification that this debt was owed and the nature of the debt. 



I thereafter, contacted the collection agency by mail, and requested they provide me with a validation of the debt noted above. Please note, I did not provide a refusal to pay, rather I am disputing this claim and requested validation based on 15 USC 1692g Sec. 809 ( b ). 

I still have received no information by any mean from either XXXX or the Progressive.
Complaint sub-issue: Debt was paid

I have received several phone calls over the past few weeks from this company and they never leave a message other than breathing into the phone. Called them back today and I asked the nature of their business and they stated they " dealt with private matters and could n't reveal that to me ''. I then gave them my phone number to see why they were calling me and they claimed I owed an outstanding debt for a XXXX XXXX account ( which has already been dealt with ). I informed the woman of that and she got very belligerent, called me a liar, and stated that I owed them money and I had to pay them now or else they would be filing a lawsuit. She then demanded I confirm my address and give her my credit card information. When I told her I would n't be giving her that over the phone she proceeded to yell at me and tell me that " it 's people like you who make me sick. Just give me your information so you can pay your bill ''. I repeated that the bill was paid and that I would be reporting them and she said to please do. I also demanded they stop calling me and she said she could only do that once I confirm my address. I threatened legal action if I received any more phone calls, at that point she hung up.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX, Equifax removed a positive closed account from XXXX, and this seems to be the cause of a 52 point drop in my Equifax credit score from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. After speaking with their customer service line on XX/XX/XXXX, they advised me to get a copy of my credit report to see if that explains the dramatic drop. I received the report on XX/XX/XXXX and called them on XX/XX/XXXX. The only thing on my credit report is the positive reports on the one joint personal loan I've had since XX/XX/XXXX. There are no other accounts, positive or negative, and there are no hard inquiries. 

All the reps would tell me was to contact a credit advisor so they could pull my report and explain. I called XXXX on XX/XX/XXXX, and they can not assist me as it is not a debt issue. 

The issue is with Equifax, and they are unwilling to resolve. Because credit scores and reports are always stressed to be vital in life, the unwarranted drop in only my Equifax credit score ( XXXX and XXXX have had no change ) through no fault of my own is unacceptable and damaging. Their error needs to be reversed immediately.
Complaint sub-issue: Information belongs to someone else

A account appear on my credit without my understanding of ever applying for these account. I contact the merchant and the bureaus and insist it be remove but no word or action yet.
Complaint sub-issue: Information belongs to someone else

I received a letter back from XXXX XXXX Fraud Aversion indicating that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from XXXX XXXX.
Complaint sub-issue: Other problem getting your report or credit score

Unable to view credit report and credit score from Equifax. Unable to receive EQufax credit report either online or by mail.
Complaint sub-issue: Debt was paid

On or about XX/XX/2018, I contact XXXX XXXX  in order to pay off an outstanding debt. When I spoke with the collections agent, I requested a pay off of 80 % for a free and clear. The rep stated they could not do this, but placed me on hold. The rep then came back and offered a pay off amount that removed the interest and fees owed. I accepted, and paid my debt in full. 

On or about XX/XX/2018, I attempted to purchase a new vehicle. This deal was held up due to Greensky still reporting a debt unpaid of almost XXXX, even though 45 days previous, I paid off this debt with an amount of approximately XXXX. When I called to ask why this was being reported, I was told by the collections person that there was an additional amount due of XXXX. I explained this was incorrect. They pulled the call, transferred me to another department, who also listened to the call, and told me that what I stated was correct, however, the collection Manager was not going to honor the agreement.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Complaint sub-issue: Problem with personal statement of dispute

This complaint is regarding an account on my credit report from XXXX XXXX XXXX of {$10000.00}. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified. 
I have sent 4 letters to Equifax starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ) Under the FCRA, unverified accounts must be removed if Equifax is unable to provide a copy of verifiable proof. Their response was that the account is mine, without any hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to them asking for a description of the procedures used to determine the accuracy of this account. But they did not provide me with any hard copy documentation showing that they properly verified this account and although under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified '', they did not delete the account and I receive the same response- verified- without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Equifax, asking them again to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, they did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Equifax because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them.
Complaint sub-issue: Other problem getting your report or credit score

I am unable to purchase my Equifax credit report through any means. Can not obtain credit report directly from Equifax website, any external website such as XXXX, or XXXX. All keep giving an error that Equifax has blocked access to my credit file. When I spoke to the Equifax Rep they advised me the reason was because my " file was too large '' and I had " too many soft inquiries '' and I needed to wait for them to fall off for me to access my credit report. I have never had this issue with any of the other credit reporting agencies. Supervisors are clueless as to why I ca n't pull my report.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX XXXX calls me numerous times throughout the day from multiple phone numbers. Today, XX/XX/2019 they called 6 times from 3 different numbers in just over 1 hour.
Complaint sub-issue: Company closed your account

Discover Financial Services has violated 15 U.S. Code 1602f by removing my right to credit by closing my account which is an adverse action against me the consumer pursuant to the Fair Credit Reporting Act. 

Discover Financial Services has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim and then continued to close my account further violating me. 

Discover has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been payed by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A ) Discover has violated 15 U.S. Code 1692f ( 8 ) by violating my privacy so that everyone can assume I owe something when I don't. ( Exhibit B & C ) Discover has violated 15 U.S. Code 1692d ( 2 ) by using profane language two times to guilt me into paying a debt that I don't owe. ( Exhibit D & E ) Discover has violated 15 U.S. Code 1892b ( 2 ) tried two times to collect an alleged debt from me outside of my state. ( Exhibit D & E ) Discover has violated 18 U.S. Code 1961 by using extortion two times o coerce me into paying an alleged debt. ( Exhibit D & E )
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I am no more than 15 days late on my credit card payment with Discover. I have let the company know that I would be making my payment on Friday. Times are hard with me missing work in the beginning of the pandemic and catching up seems to be a never ending process but I will get there. The company continues to call me at least 6 times a day. This morning as I am on the phone with a rep from the company another rep was beeping in. I nicely explained to the lady that if they continue to harass me in regards to the payment I will not be sending them any money. A call a day is plenty.
Complaint sub-issue: Transaction was not authorized

Pnc is not authorized for me to purchase something
Complaint sub-issue: Their investigation did not fix an error on your report

I would like all items listed above to be removed from my credit profile immediately, due to several disputes XXXXmonths ago and uploaded documents regarding the disputes such as Police Report and XXXX XXXX Court Document. I have dispute several account with equifax and I submitted complaints regarding several creditors on my credit profile and uploaded supporting documents These companies are still reporting negative on my credit profile which have caused me to to be denied for numerous of credit opportunities. Listed below you will find the complaint number from CFPB and the creditors listed. I would like these issues to be resolved immediately and not just a statement of investigation, There have been Several investigations and no results. I would like for equifax and the companies listed to uploaded all supporting documents, regarding the debts listed on my credit profile. Otherwise I would like to request full investigation from the FTC. This have affected my life tremendously. Need Help ASAP!!!! 
Thank you CFPB Complaint Numbers with the documents attached : XXXX Companies Listed on the credit profile : - XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX : {$7900.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} - XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX : {$170.00}
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.
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 Equifax has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Fruad accounts appearing on my credit report.
Complaint sub-issue: Don't want a card provided by your employer or the government

Someone fraudulently filed unemployment in my name. I filed fraud with the Unemployment line and then still received a US BANK Reliacard stating it was for my unemployment benefits. I did NOT FILE. I do not want ANYONE TO HAVe ACCESS to an account. I can not reach a HUMAN BEING. I want this account closed