Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 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. 1692 C 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
Complaint sub-issue: Account information incorrect

i recently check my credit report on XX/XX/2021 and notice that the CRA 'S ( XXXX, EQUIFAX, AND XXXX  ) are reporting incomplete and inaccurate information on my credit report and have not verified the items nor sent me the information that i requested.i sent some more letters off on XXXX XXXX and haven't gotten anything that i requested.i use USPS certified mail on both occassion.XXXX ( XX/XX/2021 ) # XXXX XXXX XXXX XXXX XXXX ; EQUIFAX XXXX XXXX XXXX XXXX XXXX ; XXXX  # XXXX XXXX XXXX XXXX XXXX EQ XX/XX/XXXX-XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX  have got into the hands of the wrong person.
Complaint sub-issue: Frequent or repeated calls

I get multiple calls a day by this company and they are trying to collect a debt that is not real. XXXX cancelled our services without notifying us and expect us to pay for a service that we did not receive. They have provided no proof of debt and keep calling me EVERYDAY and sending letters in the mail.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX XXXX, 2018 I checked my credit score with XXXX and my Equifax score had dropped 18 points, although my XXXX report had gone up by one point. So how does one report drop you 18 points while another raises your score? I called Equifax and spoke to someone named XXXX ( probably not his real name ) from the XXXX. We had a SERIOUS communication problem. When I ask why my score had dropped, he put me on hold for over five minutes. He came back and said that it was due to a XXXX bill that had been paid off A LONG TIME AGO. and he could give me no other explanation. He said that XXXX XXXX uses a different software than Equifax and that their scores may not be accurate. I asked him what was my score and he wanted me to pay him {$7.00} to tell him. {$7.00} for him to tell me my score? It is enough that our information has been compromised, but to charge me to find out my score is nothing more than a rip off. I am a XXXX veteran and a XXXX XXXX and I am trying to buy a house, using my VA benefits and this drop in score is hurting me. I am current with all my bill and have been for well over a year. I think that all three credit reporting agencies should be regulated by the federal government. They 've got too much power to hurt Americans who have served this country, only to be controlled by someone in another country. RIDICULOUS
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Complaint sub-issue: Information belongs to someone else

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them!
Complaint sub-issue: Problem with personal statement of dispute

Equifax Credit Bureau is refusing to follow the 5 Days REINSERTION LETTER. I had a debt that was removed and deleted from my report ( XXXX XXXX XXXX {$1500.00} ) I applied for credit and noticed that the reason I was denied and the reason my score decreased by 100+ points were because of a collection debt, which is XXXX   XXXX , same creditor same amount that was removed previously.. So, I questioned the company why I did not receive an reinsertion letter? They're not giving me any responses. They just keep saying that they will begin an investigation but my concern is why every year I have to do an investigation on the same debt and why they are not communicating with me before they start adding deleted items on my credit report? This is my life and credit is a major issue in todays society. Please help me with my further steps ... I have contacted Equifax Management team, Fraud Dept, Equifax Disputing Dept and they are putting me on 50+ minute hold times and they hang up and say well the law is 30 day investigation. I'm saying and the law says 5 day reinsertion they ignore me on that law and Act ...
Complaint sub-issue: Information belongs to someone else

In  XXXX   2017 I pulled  my credit report for all  XXXX  bureaus to find an ope n    XXXX   XXXX   XXXX   account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 ( signed for on  XX/XX/2017  ) to the provided address on the report asking the company to pl ease send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 the c ompany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31  days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( see   attached ) signed for  on  XX/XX/2017  asking t hem to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original lett er therefor violating t he Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to  my letter s to pro vide evidence.
Complaint sub-issue: Investigation took more than 30 days

I filed 2 disputes with equifax credit bureau. One was dated XXXX and the other was XXXX. Both had an estimated date of completion as XXXX. I hired a credit repair service to help me but no help. I would like both of the disputed items to be removed from the credit reporting agencies, specifically equifax and XXXX because the time limits by law have been violated. Thank you so much for your time and attention to this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I over paid my Macy 's payment due in XX/XX/2022. Therefore, I should not have had a payment for XXXX XXXXThey reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022. In fact instead of being delinquent, Macy 's customer care stated I had a store credit of XXXX. 
Macy 's is reporting me inaccurately and has refused to change the account status. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the alleged missed payment. 

The account has been paid in Full for Macy 's Store Charge Card with Macy 's owing me money.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. XXXX, Equifax and XXXX are reporting fraudulent unauthorized accounts on my credit file that are violating my consumer rights and damaging my reputation. I have reported these accounts fraudulent to the companies that are appearing on my credit file as well. I have filled multiple complaints and I am not getting a response in my favor. I have attached all of the following documentation that prove these are fraudulent accounts and need to be removed from my credit file immediately. 
The following accounts are listed below : 1 ) XXXX 2 ) XXXX  XXXX
Complaint sub-issue: Attempted to collect wrong amount

I attempted to have this debt removed from my experian credit report because XXXX XXXX violated the consumer fraud act and consumer contract warranty notice act. I received a class action notice that I am a part of and the notice indicated the storage co violated consumer fraud act by charging excessive premiums and violating nj truth in warranty notice act. The debt should not be listed on my credit report due to all of this fraudulent activity. The settlement is listed is indicated on the web site. Open to the public. The collection agency should not be trying to collect on these violations. IC systems inc collection agency.
Complaint sub-issue: Reporting company used your report improperly

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. 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. These accounts were opened fraudulently XXXX XXXX XXXX XXXX XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX  account number XXXX
Complaint sub-issue: Was not notified of investigation status or results

I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 237 DAYS SINCE I FILED A DISPUTE. I FILLED A 60-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Information belongs to someone else

IN REGARDS TO : XXXX XXXX XXXX ; XXXX XXXX XXXX TEXAS XXXX I've sent letters to the furnisher disputing the account listed below. I have not heard back from them, but they have verified the account as accurate .CAN THEY FRAUDULENTLY DO THIS? XXXX XXXX XXXX? VERIFYING AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 

I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS.Because of this, Im requesting information about your procedures put in place to verify this account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was opened and charged - off. 


PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE.
Complaint sub-issue: Information belongs to someone else

THE ACOOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021 I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Application denied

Today after reading terms and conditions and description for which criteria is used to determine eligibility for the Citi Simplicity Card I was immediately declined and an inquiry popped up on my XXXX report account when the website clearly says they use XXXX, which is why I thought I had better odds in applying. They also didnt allow me opportunity to share balance transfer requests as advertised. I suggest they reconsider my application using XXXX as they stated in writing on website and/or remove XXXX inquiry from my report. Thank you in advance, respectfully.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXX Docket # XXXX has 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 without my written instructions.
Complaint sub-issue: Debt is not yours

" A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. " 15 U.S. Code 1692f. 

On XX/XX/XXXX, Alliance One Receivables Management Inc., acting on behalf of the City of XXXX XXXX mailed plaintiff a letter that was supposedly attempting to collect the disputed debt of {$800.00}. The debt is hereby under dispute pursuant to 15 U.S. Code 1692 ( g ) ( b ) of the Fair Debt Collection Practices Act. 

The criminal offenses alleged that forms the basis of AORM 's underlying debt collection claims are not valid under the Constitution. For instance, plaintiff had not received the Miranda warnings before being interrogated by the police for suspicion of the misdemeanor offense of " sleeping in a park '' while in custody then issued a written citation. The plaintiff 's coerced confession along with the documentary evidence that supports these accusations were obtained against his rights under the Fourth Amendment. Furthermore, any purported non-judicial forfeiture of plaintiff 's driving privileges in connection with this unrelated non-motor vehicle offense is a cruel and unusual punishment including a " grossly disproportionate fine barred under the Eighth Amendment.

AORM 's debt collection practices simply are unconscionable because they are seeking to collect debts that constitutionally are not valid under 42 U.S.C. 1983, 4th, 5th, 8th, and 14th Amendments.

/s/ XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I mailed in disputes weeks ago and the credit bureaus have not responded. The following accounts and inquiries do not come from anything that I have done.
Complaint sub-issue: Account information incorrect

On XX/XX/2019 I paid the full outstanding balance of {$7600.00} it's still showing on all the reporting Credit Bureaus with this outstanding balance,, should be an XXXX  balance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Acct # 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information is not mine

Equifax has an account from XXXX XXXX and XXXX listed on my credit report. I have disputed this with them. I filed a complaint about the reporting company ( XXXX ) and they are not able to locate my account. How can they report this account but can not find me in their system. Sufficient information was provided. I have no knowledge of this account as I have never received any dispute letter as required by the FDCPA. How can Equifax allow a company to post something to my credit report without verification? Equifax has done this to me many times in the past and I have had to secure an attorney to help with this matter. If this is not corrected I will be forced to add this to the list for my attorney. I have attached my complaints with the CFPB where this company states that they can not find me in their system.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

I am trying to purchase a home loan and when the lender ran my credit report it showed that I owe {$120.00} to XXXX and it went to collection without my knowledge. I have not received any past notice on this issue. I have called and spoke to numerous customer service reps to get this resolved but I am not getting any where. On XX/XX/2017 at XXXX I spoke to XXXX at XXXX the collection agency and explain to them the problem but they could not give me any details on what the charges were for but only wanted to collect the debt.On XX/XX/2017 at XXXX I spoke to XXXX at XXXX to resolve this and they still could not explain what the charges are for. I also spoke to XXXX from Jefferson Capital LLC another debt collector on XX/XX/2017 at XXXX still no explanation to what the charges are for.I am willing to pay for this amount of {$120.00} if they can provide me more detail onto what this charge is for. I am trying to purchase a home and because of this it 's affecting my credit to qualify for a home. Please help me resolve this problem. Thank you.
Complaint sub-issue: Information belongs to someone else

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX  XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX UNKNOWN ADDRESS {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY
Complaint sub-issue: Problem accessing account

My name is XXXX XXXX. I have opened up Citi XXXX Checking Account. After I opened the Account, Citi Bank sent the Checks and Debit Card. After my Debit Card was activated, I had transferred {$50000.00} from my other Bank to the Citi XXXX  Checking Account on XX/XX/2021. The amount was showing as Pending on that day. When I logged into my Citi Account on XX/XX/2021, the Citi XXXX Checking Account is showing as Blocked. I tried calling Customer Service so many times but none of them are helping me out. All the Customer Service Representative said, " You account is blocked and they can't help '' and hung up the phone. I am absolutely terrified with the type of service Citi Customer Service has provided. I am going under lot of stress as Citi is not helping to resolve the issue. I want to escalate this issue to Citi Bank officials but I do not have the contact. At this point, I want the Citi Bank to provide my money back.
Complaint sub-issue: Debt is not yours

XXXX home phone services indicated that I obtained home phone service from XX/XX/XXXX through XX/XX/XXXX which is untrue. My building is and has always been wired to only XXXX services since the opening of XXXX. I have contacted the XXXX in regards to this matter of this debt collection that is not mine and I provided bills within that time period indicating I have had XXXX   since XX/XX/XXXX and I have also provided ample documentation from my landlord stating XXXX is the only wired service in this building and no other providers are allowed. The end result was that the case was closed on XXXX 's end due to the findings and documents provided on my behalf. Now I receive a different collection of debt letter from another agency, with another amount that is less than the original debt, with the same client account number. I am being harassed after going through this a time before and this is causing a disruption in my life especially when I didn't sign up for any XXXX XXXX  services. XXXX couldn't even verify an installation of services and there was no account or payment activity on the account.