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

I reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. XXXX  sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( XXXX  ) XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$790.00} # XXXX this account is NOT mine. Inquiries XXXX/XXXX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine. ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX {$790.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX this account is NOT mine. ( Equifax ) XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. Inquiries : XX/XX/XXXX, XXXX XXXX  NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NOT mine, XXXX XXXX XXXXXXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.
Complaint sub-issue: Frequent or repeated calls

When Discover is calling, they call either every XXXX min or every XXXX minutes, usually up to XXXX phone calls in less than XXXX minutes. When I answer there is no one there and the phone call is then disconnected on their end.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have some addresses and some inaccurate items on my credit report that needs to be fix. I need the following addresses removed from my report they are not mine : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, MD XXXX My name is XXXX XXXX XXXX, please remove any other spellings of my name. 
the following phones numbers are not mines please delete : ( 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: You never received your bill or did not know a payment was due

I recently started a credit monitoring service and noticed I had late pymt reporting on my XXXX card that should not be there as this is surely an error on their part.There must have been a billing error previously, therefore ask them to correct this immediately as I need my report to be accurately reported.
Complaint sub-issue: Reporting company used your report improperly

I 'm impacted by the recent Equifax breach. My information is available to whomever obtained this data. They knew about this issue for 3 months and barely made people aware of this. This is not acceptable.
Complaint sub-issue: Company closed your account

In late XX/XX/XXXX 2014 I had an incident where someone used my account for fraudulent purposes. A fake check was deposited into an account that I was a joint owner and withdrawn using a fake credit card at a local ATM. I immediately reported this incident on the day that it occurred to the local sheriff 's office. The sheriff 's office directed me to the city police since the incident occurred within the city limits. The matter was investigated and camera footage from the ATM and the bank was obtained. Those involved in this incident were not able to be found. A representative for BB & T by the name of XXXX contacted me and threatened to file charges against me! I was forced to pay BB & T the money even though I had nothing to do with the incident and filed the police report. I was the victim of fraud however the money was debited from my account and I had to pay the remainder of what was stolen from me by using my credit card. This was done with the assistance of XXXX XXXX at my local branch. XXXX made multiple phone calls to me and was very aggressive and abusive in her conversations to me. After paying all of what I was ordered to pay to the bank ( including insufficient funds fees due to an overdrawn account ) my accounts with BB & T were closed and my name has been flagged in their system as a customer who is never able to do any business with them again. This practice is not fair to me nor does it seem legal. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). These actions violate this statute.
Complaint sub-issue: Credit denial

I applied for a loan on a used XXXX XXXX and was denied because of a credit score of XXXX on XX/XX/XXXX from SageStream , LLC. 
My credit score through XXXX  was XXXX. 
I want to know why SS, LLC gave such a low credit score. 
I want a copy of my credit report from SageStream , LLC but they want every piece of info about me and Im not comfortable giving all that info to a company Ive only heard negative information on. 
The application number on the denial letter is : XXXX. 
Thank you, XXXX
Complaint sub-issue: Debt is not yours

I am not familiar with this items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

* XXXX - the balance on report says $ XXXX** There also incomplete and inaccurate information pertaining to the open date with 2 listed from XX/XX/2014 to XX/XX/2014.
Complaint sub-issue: Indicated committed crime not paying

I was first informed of a {$120.00} outstanding balance owed XXXX Hospital, from a XXXX XXXX, 2015 XXXX visit, on XXXX XXXX, when my FICO score dropped XXXX points ( XXXX to XXXX ) despite NEVER having received a single bill from either XXXX Hospital or Progressive Management Systems ( PMS ) their debt collection partner that filed the report of delinquency. 

The XXXX Hospital intake form collected XXXX separate options to contact me, yet I was falsely reported delinquent on a balance of {$120.00} ( less than 2 % ) of my bill, without ever being asked for payment. 

When I asked ( PMS ) to validate the debt, they sent me a master account query from XXXX XXXX dated XXXX clearly showing that for my bill totaling {$7000.00} XXXX received 100 % of invoiced amounts within 30 days of the visit : XXXX - {$250.00} copay at the time of service XX/XX/2015 - {$2500.00} deduction XX/XX/2015 - {$4100.00} from my insurance company While 20 years of excellent credit worthiness means more to me than anyone else, I am disheartened to learn that neither XXXX Hospital nor their debt collection agency PMS value a 20 year reputation above the cost of a letter, email or phone call alerting me to the debt ; any of which would have resulted in prompt payment of the {$120.00} bill. 


I sincerely hope that I can have support in correcting this false statement of delinquency on my credit report, and shining a light on this destructive " debt parking '' practice, which my own research has revealed victimizes so many innocent patients when they are admitted to hospitals.
Complaint sub-issue: Talked to a third-party about your debt

Received letter from collections in reference to a debt from XXXX XXXX for XXXX XXXX XXXX. 

The collection agency, the 1st party XXXX XXXX XXXX XXXX XXXX   changed the address without authorization. 

The address is only a forwarding for care of.I never gave authorization for any change of address, contact to this address and or other.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX I received a notice from XXXX XXXX that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from XXXX XXXX alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with XXXX XXXX, past due or otherwise. He then connected me on his internal phone with the XXXX XXXX Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice dated XX/XX/XXXX, from FMA Alliance , Ltd. alleging a further increased amount due on the same account that XXXX XXXX has already verified is not mine or my wife 's.
Complaint sub-issue: Attempted to collect wrong amount

I had an auto loan with ally financial. I defaulted on the loan on and my last payment was XX/XX/XXXX. 

I took it upon myself and surrendered the vehicle over to the repossession company. 

Ally has reported to the credit bureau a false time line of my final payment being in XXXX of XXXX. 

This has now been effecting my credit for 7+ years, due to false information on my report, this has not fallen off. 

Not to mention the debt was charged off so Ally not only repossessed the car but also charged off the debt at no loss.
Complaint sub-issue: Their investigation did not fix an error on your report

UNIV OF XXXX has an account on my report from XX/XX/XXXX. They have not contacted me as to debt owed. I had grants and student loans. The information is old and should be off of my report. They are showing the last payment as XX/XX/XXXX to try to keep the account on my report longer than lawful. The information is inaccurate. And all of the other bureaus removed it but Equifax wont.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I opened a dispute with Citi Cards- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Costco Anywhere XXXX XXXX for non-delivery of products and services by XXXX XXXX XXXX XXXX XXXX XXXX on transaction date XXXX XXXX dispute id XXXX XXXX ) ; one of two transactions. The original disputed amount was {$5300.00} and later revised to the full amount of {$6300.00} upon discovery two of three furnaces delivered but never installed are oversized per three separate opinions provided by three independent HVAC contractors. Citi only requested one merchant opinion but I provided three to mitigate one to one questioning of merchant 's opinion. 
In a second transaction that occurred on XX/XX/XXXX, XXXX delivered and installed a furnace and air conditioner for my in-laws that I paid {$3800.00}. However, the amount charged was {$4800.00} ( 2nd dispute ), {$3800.00} for the installation and {$1000.00} deposit toward the installation of three furnaces at my investment property location ( 1st dispute ). The {$1000.00} was later disputed ( dispute id : XXXX ) after multiple failed attempts to resolve the matter with the vendor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. 
Over the next three months, Citi sent multiple notices requesting information from me to validate my disputes via letter dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally a letter on XX/XX/XXXX requesting the same information from previous letters. I sent the Citi requested information on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Citi dated XX/XX/XXXX informing me the investigation was closed without an explanation. The conditional credits were reversed for {$6300.00} and {$4800.00}, and copies of the XXXX transaction receipt sent by the merchant to Citi and Citi provided to me. 
I wrote a letter to Citi regarding my unresolved dispute and an explanation for closing the dispute without addressing or resolving the dispute on XX/XX/XXXX and that I would report the matter to various oversight organizations. 
After reviewing the Citi notice on XX/XX/XXXX regarding the conditional credits being reversed, I noticed {$4800.00} amount was being reversed for which I never receipt a credit for this amount. I contacted Citi Billing Dispute on XX/XX/XXXX and spoke with agent XXXX regarding this amount and she confirmed no credit was issued for {$4800.00} and that she could only document in Citi system. At the time of opening this dispute with CFPB, my dispute is unresolved, the conditional credits of {$1000.00} and {$6300.00} reverse and an additional {$4800.00} amount reversed in error. 
I provided Citi with multiple detailed information requested in the form of text messages with the merchant, pictures of the non-operational improperly installed furnaces, XXXX  phone logs attesting to communication with the merchant and three independent HVAC quotes detailing improperly installed furnaces. The only information provided by the merchant to Citi and forwarded to me, is a copy of the XXXX transaction receipt for both disputed amounts.
Complaint sub-issue: Public record information inaccurate

The XXXX  XXXX bankruptcy is inaccurately being reported. The dates and the case number are incorrect, this event has reached the XXXX year reporting mark as it was originally filed as a XXXX  XXXX.I would like this event removed from my credit report and/or provided the original reporting documents that reflect the information being reported...
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX I tried to access my free Equifax credit report via XXXX. Like last year ( XXXX ), I did not get my report but someone else 's when I tried. I've emailed XXXX  and called Equifax. This issue has never been solved. The confirmation number XXXX gave me is # XXXX if this helps.
Complaint sub-issue: Information belongs to someone else

I do have any contracts with this company. The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I have also sent letters to Equifax over 30 days ago and have not received a reply or response. 
I have spoke to an agent and I was told that these items would be removed from my consumer report immediately and they still remain on my consumer report. This company has violated my right to privacy and multiple other violations. 

I am protected by the ( FCRA ) Fair Credit Reporting Act ( Right to Privacy as a consumer ) 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave this company any written consent to report or furnish anything to my consumer report. 

15 USC 1692- I am the consumer and the original creditor I am not obligated to pay any debt, I do not owe any debt 15 USC 1681 ( a ) ( e ) - States that you have to interview my family, my neighbors, or any of my associates to verify any account on my consumer report which this company did not do 15 USC 1681e ( b ) - You shall follow reasonable procedures to assure maximum possible accuracy of the information on my report. 

They have not complied which is another violation of 15 USC 1681n ( a ) ( 1 ) ( a ) which makes them liable in the sum of up to {$1000.00} for each damage you are causing in my life pertaining to my consumer report Any person or company gaining or gathering information from a consumer pertains their consumer report is doing fraudulent business and can get prison time and anyone involve with another company other than the consumer 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.
Complaint sub-issue: Account status incorrect

Jefferson Capital Systems bought old XXXX  account, opened originally in XX/XX/XXXX.It is since shown as paid off and closed on my credit report report from my XXXX.Jefferson Capital Systems started the date the about was opened as XX/XX/XXXX and shows a balance of $XXXX!I believe this must violate some part of the fair credit act to put such blatant false information on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Public record

I have a federal tax lien reporting on my account credit report. XXXX. This item was disputed on XXXX XXXX and without doing any investigation, Equifax came back on XXXX XXXX updating the lien to released which is n't true. We disputed the same item with XXXX and the item was deleted off my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Complaint sub-issue: Information belongs to someone else

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Complaint sub-issue: Reporting company used your report improperly

Due to Equifax 's Security Breach, I have been checking my credit and trying to freeze my accounts. I have contacted the FTC and my bank ( XXXX XXXX ) who directed me to speak with Equifax which I have tried ( XXXX XXXX, XXXX ). The company has shut down/disabled it 's customer service line and its phone-based credit freeze ( XXXX and other numbers ). The redirected " incident '' call center ( XXXX ) is not technically Equifax, but rather a call center company, and can not answer any real questions about their services and what signing up for TrustedID Premier does. For instance, I have read that it waives my right to class action suit if I sign up. I have also read it auto-enrolls you in their service after a year meaning I have to pay for their mistakes! Absolutely absurd! 

There is recent news Equifax might give you a randomly generated answer for whether an individual was affected by the data breach. Because the FTC will not allow me to file for ID Theft unless I can confirm I was a victim or my ID has been misused, and because Equifax has indicated that they " BELIEVE I MAY have been affected '' by the data breach. ( how ambiguous is that statement from them by the way? ridiculous right?! ) If this is a randomly generated response, this is a clear violation of my right to know if my personal data and credit reports were leaked without my consent by this company. Its pernicious and misleading. 

I have also attempted to contact XXXX but their lines are also shut down.