Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

This company has refused to VALIDATE this debt is owed. They also have clearly violated my Hippa rights and have sent no proof that I gave permission for them to have my medical information. 

The original creditor XXXX XXXX asked plusfour to remove this debt from my credit on XXXX XXXX and they absolutely refuse. They stated that I need to provide them with all proof and they dont need to validate it. I spoke to XXXX a supervisor and she also stated they refuse to send me the contract or any VALIDATION provided by the hospital. They can only send an itemized bill. I have attached the proof directly from the original creditor that I DO NOT OWE THIS DEBT. The original creditor did not bill my insurance company in time, there for it was a billing error and I owe absolutely nothing. XXXX XXXX is reaching out to plusfour once again to ask them to remove it and I am now filing a Hippa complaint as well as one with XXXX.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

In reference to XXXX ID : XXXX. 

I in fact am not responsible for the charge below : Date : XX/XX/2022 Amount : {$600.00} Description : XXXX XXXX XXXX XXXX XXXX The merchant stated that I submitted payment using IP XXXX per Exhibit A. 

However, I did leave my pouch/wallet which contained both my cell phone device and wallet at a park while exercising earlier that same day on XXXX XXXX. I was able to retrieve my phone approximately 45 minutes later from one of the park workers. This transaction takes place the very same day. My phone and debit card were compromised. 

Per Exhibit C shows my actual IP address which does not match the one provided in the merchants response. 

XXXX XXXX states I have one transaction with recipient XXXX XXXX. When looking at my transactions for XXXX XXXX historically I have a repeated history with a select few XXXX XXXX recipients with transactions {$200.00} or below. This {$600.00} transaction with a recipient I have no clue who this is, is not my normal transactional pattern. Nor am I able to contact the recipient as XXXX XXXX stated in Exhibit A because this recipient is not a peer and I have been unsuccessful with getting any response. XXXX XXXX needs to do their due diligence and hold the recipient XXXX XXXX responsible and stop dispute with myself and my bank. 


Exhibit D shows that I provided the information requested from Citi Bank to which I responded : Neither I, nor anyone authorized by me, made this charge or received any benefit. 

Hence, as the card holder I have provided all requested information from CitiBank and have fully cooperated in this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information

I REQUESTED FROM EQUIFAX TO REMOVE AN ADDRESS ( XXXX XXXX , XXXX XXXX, NY XXXX ) FROM MY CREDIT BECAUSE I`VE NOTLIVED THERE AND INQUIRIES THAT WAS NOT AUTHORIZED BY ME. 
XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ;
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021 I checked my check stub to verify my pay for the pay period. I noticed a wage garnishment in the amount of {$320.00} from my pay. I have no idea where this is coming from. I contacted my HR department because I was told that both the creditor and my company was supposed to inform me of the garnishment. I never received a letter from either my employer or the creditor. Upon further review the outsourcing company that handles my employer 's pay attached information of the creditor. I have no knowledge of this creditor. The original creditor is not on my credit report and I have no idea what this debt is for. I believe the attorneys office of XXXX XXXX XXXX XXXX XXXX falsified documentation in order to get a judgement from the court. I have personally never lived in XXXX  XXXX, Ok and I haven't lived in the state of Oklahoma in over 4 years. Legally the law firm of XXXX XXXX XXXX XXXX had the responsibility to contact me about the attempt to collect the supposed debt. This garnishment is not legal as I was not notified of the judgment and have no knowledge of the debt.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, EQUIFAX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open : XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} )
Complaint sub-issue: Reinserted previously deleted info

After going through several iterations of filing disputes and uploading supporting documentation in order to remove all mistaken references appearing on my Equifax Credit Report ( related to a closed home equity line of credit account with XXXX XXXX-see attached dispute resolution ) I am convinced that the record in my Equifax Credit File has corrupted data that can not be updated properly as directed by XXXX XXXX to Equifax. The dispute resolution clearly states, " The results are : The date closedhas been updated. This account has been updated. Additional information has been provided from the original source regarding this item. '' However, when viewing my credit report ( or talking to an Equifax rep on the phone who is looking at the record on their system ) it is clear that the closed date field is still empty and all references to the Chapter XXXX Bankruptcy have not been removed as directed by the lender. Only the comment reference to " re-investigation in process '' has been removed. Therefore, either the system can not change the data due to corrupted data or the person performing the task is incompetent. Being that the other XXXX credit reporting agencies are reporting the same account properly from the same reporting info received from XXXX XXXX, it is obvious that Equifax is to blame for this mistake.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When apply for a car loan, dealership put my loan application through other companies. Adding other hard inquires. 

also I'm seeing a hard inquiry from I believe to be XXXX that I did not do. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have a car loan on my credit report that does not belong to me. It was disputed with all three credit bureaus. I filed a police report and an identity theft report. The contract from this company and initial application has my name but a totally different social that doesn't even belong to me on it. XXXX  and XXXX  both deleted the account but Equifax has deleted it and then put it back on. There is no proof it is mine and the social the account is under isn't even my social.
Complaint sub-issue: Information belongs to someone else

I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX account # XXXX 2.  XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau .
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX a final payment in the amount of {$29000.00} was made and applied to my XXXX XXXX account to payoff the loan for my XXXX XXXX XXXX XXXX. To date XXXX XXXX has failed to update my credit report showing the loan as paid in full and the account closed despite multiple phone calls and messages requesting they update the reporting. Each time I am told they will update the reporting and it will take 30 days. I wait the 30 days and the reporting does not change. The account still shows the balance, and there has been no updates to the entry since XX/XX/XXXX. The XXXX XXXX website shows that the account is closed and paid in full. The customer service team has also confirmed it is paid in full and closed. This has caused my debt to income ratio to be inaccurately skewed which cost me to have a higher interest rate on my new mortgage and has also impacted my ability to finance a vehicle as the banks think this account is still open and active.
Complaint sub-issue: Debt was result of identity theft

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, I was the victim of a wire fraud transfer and immediately opened a case with Citibank Fraud case # XXXX. The contact I am working with is Fraud supervisor, XXXX. It was requested that I report the case to both the FBI, local authorities, and the bank in which my funds were transferred, which is XXXX XXXX I completed this request the day it happened. I have been working with XXXX XXXX with the XXXX Police department. His number is : XXXX. 

Here are the details of the fraud/scam : I received a text message for a couple of flagged charges and in typical Citibank fraud alert fashion it asked me to respond with a 1 for YES or 2 for NO for no for verification. I responded with a 2 for NO and within a few seconds my phone rang. The woman on the other end presented herself as a Citi fraud manager who was going assist me with receiving a new debit card. I did not give her any personal details over the phone. She sent me three more text messages for which was presented as a two-step verification process, and this was how they were able to gain access into my account to successfully send a fraudulent wire transfer from my Citibank account to XXXX in XXXX. I received an email notification of the wire transfer which is how I was able to immediately report it. 

The Citibank fraud supervisor sent XXXX XXXX a Hold Harmless letter requesting the funds be recovered and sent back to Citibank. Detective XXXX with XXXX PD received communication from XXXX that the funds were sent to Citibank XXXX XXXX XX/XX/XXXX ) and Citibank is claiming they have not heard back from XXXX. I am beyond frustrated. 

My case is currently active and after speaking Citibank several times, I was told my funds were not guaranteed to be returned to me. My money is supposed to be FDIC insured. I have rent due in a few weeks. This may get me evicted from my apartment. I have been a Citi customer since 2006 and I am beside myself that I could potentially not get all of my money back which was {$1500.00}. Ive asked the Citibank fraud team several times the following questions ; How did the fraud/scammers know I was a Citibank customer? How were they able to gain access into my account online without my password? How did they know my username? Ive never sent a wire transfer in my entire life and why wasnt that red flagged?? They have not been able to answer these questions. 

I am attaching screen shots of the initial fraud alert which clearly states it is from Citibank and mimics the exact type of text I have received from them in the past. I absolutely believed I was communicating with my bank, and I have no idea how I was supposed to know otherwise. 

I need someone to help me with this. The fraud department can only do so much. They shared this has been a known issue within Citibank and other financial institutions. I need my funds returned as soon as possible. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I submitted a dispute for a Bankruptcy listed on my credit report and asked XXXX to verify the public record. XXXX  has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy XXXX XXXX of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if XXXX  can not show how they verified this public record Remove this entry from my credit report.
Complaint sub-issue: Company closed your account

RECENTLY APPLIED FOR A DISCOVER CREDIT CARD & RECENTLY BEEN APPROVED FOR {$7500.00} LIMIT WHICH FOR SOME REASON WITH NO EXPLANATION OR ANYTHING MY ACCOUNT GOT CLOSED, WHICH IS TOTALLY UNFAIR & WANT THE SERVICE BACK
Complaint sub-issue: Personal information incorrect

Equifax credit bureau has multiple inaccurate addresses and work history on my credit report. I know that the credit reports bureaus have to report 100 % accuracy and I have sent out letters to delete inaccurate information and it has been way longer than 30 days and Equifax has not deleted information or responded back.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to this company 6 times about the inconsistency and incompleteness of my credit reports and they have failed to preform a proper investigation as you can see from below how they are reporting the information. Please delete this account at once. 

I reached out to the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 and they have to respond to any request with proper validation per FTC Opinion. 

Payment history is reporting and it should be blank filled. Account status reporting as closed with XXXX and open with equifax. Account status incorrect should only be reporting as XXXX, XXXX, XXXX, or XXXX. Past due amount should not be reporting as I do not have a contract with this company. Date of last payment is not reporting so I do not know the purge date or if it's still inside the statute of limitations. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Equifax XXXX Account # Account Type Open Open Type Detail XXXX XXXXs XXXX XXXX Ownership Individual Individual Account Status Closed Open Payment Status CollectionOrChargeOff CollectionOrChargeOff Monthly Payment Date Opened XXXX XXXX Balance XXXX XXXX Terms XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK High Balance XXXX XXXX Credit Limit XXXX XXXX Past Due XXXX XXXX Last Reported XXXX XXXX Date Last Active XXXX XXXX Date of Last Payment
Complaint sub-issue: Information belongs to someone else

I'm having trouble removing these fraudulent items from my credit reports.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted 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. Please delete the items as soon as possible. 

Based on, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible.
Complaint sub-issue: Need information about your loan balance or loan terms

My name is XXXX XXXX, i am a Federally Protected Consumer. On XX/XX/2022, Federal Loan Servicing was sent a Cease and Desist Notice which was received by their office on XX/XX/2022. Within the notice, I asked for an audit trail of all of the alleged accounts for " Validation '' purposes. Of which they have to send me according to 15 USC 1692 ( g ) or be in violation of federal law. I have not received any correspondence or audit trail from them. Audit trail may be sent via postal mail or through a private link via email.
Complaint sub-issue: Account status incorrect

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX CARD-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I obtained a copy of my credit report in XXXX of 2022, I noticed inaccuracies and sent out disputes to said companies, it has now been 3 months and the debt has not been validated according to the FCRA, debt that is not verified or validated after 30 days is to removed from credit reports immediately. This company also calls me regularly for a debt that is not mine and it is at the point of harassment which I do not take lightly.
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. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. Validate Inaccurate/Reported Late payments XXXX XXXX Account Number : XXXX Please correct/update this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : ARS # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX violated/violating 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was paid

Debt collector is EOS CCA. This is for XXXX home. Bill is  dated XX/XX/2015. Ammount on bill {$2600.00}. Agency claims I  owe approximately {$1200.00}. Final bill was paid to XXXX immediately after I discontinued services and all equiptment returned within one week. Collection agency can not provide me with any documentation. I have explained that no money is owed.