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

In accordance with the fair credit reporting act this credit has violated my rights under 12 USC 1681 section 6 o 2 states I have the rights to privacy 15 USC 1681 section 6 0 4a and section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 belongs to someone else

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  and XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/2020, I have pulled my annual credit report and Tek Collect is reporting still after I have requested numerous times to receive proof of debt. 

I am requesting proof of service and any and everything associated with my personal information.
Complaint sub-issue: Old information reappears or never goes away

I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.
Complaint sub-issue: Deposits and withdrawals

I opened a account as of XX/XX/18 on XX/XX/18 I could not access my account ..blocked I called an was told no supperviser they would contact me I provide .my new number ... then next day I call arounf XXXX an was told there was an problem with tec support ..so again no supperviser on floor I leave my number once again ..next day I call around XXXX an explain noone has returned my calls in two days ..I was told because the person I receive the check from had a note on there account to contact them ..so i asked then why is my account froze ... .because of the lack of that person 's responsibility..it 's been two days at least unlock my account an review the check ..but give me no access to that amount ..they said sorry but they couldn't an because the department that could was gone ..they would have it fixed an again someone would call me ... again nothing again I call at this point it's been 5 days an no access to my account ... so I asked where did it say in my contract they would freeze my account because someone else not responding ..I get this answer or that but not anything where I aggred to this ..I ask for them to close my account at this point ..I was denide that oppsion..even tho they have not treated me as a customer.an feel like I'm being treated unfairly ..I have all recording of the calls ..an letters from then One state on the XX/XX/18 that there sorry they cant approve my account ..sorry but they would not allow me to open a account..I all ready had a account deposit money and had it froze ..I understand they have alot of departments that need to touch bases but this is caused me to no have a lone sent to that bank an day aftrr day mistakes on there part
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Complaint sub-issue: Information belongs to someone else

I have been a vicitim of identify theft froud when I went to XXXX and XXXX i discovered that my ex boyfriend at XXXX that what i believe used my personal information to obatin credit apartments and XXXX in my name without my knowledge i am watching my credit daily and this item poped up in which it does not belong to me and i would like it removed deleted and updated XXXX XXXX XXXX also know as XXXX XXXX XXXX for {$650.00} opened XX/XX/XXXX I have contacted my local police and made a report also the FTC this man has been trying to mess up my life since i broke up with him but I have no real proof my information has also been in serveral data breaches XXXXXXXX XXXX XXXX amount {$1300.00}
Complaint sub-issue: Information belongs to someone else

Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or codebtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Complaint sub-issue: Account status incorrect

Preferred Lease has been falsely reporting information on my credit report for the past 6 months. I used this company to lease some furniture and after paying the balance of XXXX on XX/XX/XXXX, I requested to have it picked up. After speaking with the CSR on the phone, he assured me that the account would be marked for recovery status and that the payments would cease. More than a month later, Preferred Lease reports to the credit bureau and flags my account as delinquent. I had called several times because the furniture still wasn't picked up. I called almost weekly, some times more because it was never picked up. I was told that someone named XXXX would call and set up a pickup time. I sent the photos requested, I sent the information showing the payment made on XX/XX/XXXX. The next month, they reported to the credit bureau and showed I was late. I called again, the furniture still had not been picked up. I asked why were they reporting to the bureau when I had asked to have the furniture returned. XXXX said that I was still liable because they had not picked it up yet. I reiterated to XXXX that I had requested several times to have it picked up with no success. I again requested the furniture be picked up. 65 days later on XX/XX/XXXX, the furniture was retrieved. Again, they reported my account as late 60 days and filed as a voluntary repossession. I was told the return was allowed because it was a lease. When I called to ask what was going on, I was told that they were showing the account as CLOSED. On XX/XX/XXXX, Preferred lease was updated AGAIN! From {$300.00} to {$890.00}. The person I spoke with on XX/XX/XXXX, searched and stated that they had no open accounts in my name. It's reported that I owe XXXX and last payment was XX/XX/XXXX. The report dated XX/XX/XXXX shows last payment on XX/XX/XXXX. They are also reporting the account balance as {$3200.00} It should be XXXX because it was a lease, and I was given the option to return it. As of XX/XX/XXXX, this account is still on my XXXX credit report as 90 days delinquent and owing {$3200.00}. I filed a complaint with the XXXX on XX/XX/XXXX and received a response that said the company believed their information was accurate, but that they would request a deletion. The account was closed per previous conversation with corporate, so the letter is a false statement. 
Product_Or_Service : XX/XX/XXXX Account_Number : XXXX
Complaint sub-issue: Debt is not yours

I filed a previous complaint regarding M.A.R.S. Inc and XXXX XXXX XXXX with this agency regarding the false reporting of a collection account to the credit reporting bureaus. I also attached court documentation. Since this agencies decision, we again went to court due to XXXX XXXX XXXX  not paying the judgment against them in my favor. This was a small claims judgment in XXXX County KS # XXXX on XX/XX/17 for {$490.00} plus court costs and fees. The judge ruled that they were not to offset this amount on what they " claimed '' I owed them as I owed them nothing. However, they have continued to report this as a collection account in the amount of {$880.00}. They originally were reporting this collection amount as {$1400.00}. They even verified this debt to the CFPB during the original investigation stating this amount was verified by XXXX XXXX XXXX   as correct, when they knew full well that it was not. I sent M.A.R.S Inc all of the court documentation and they continued to knowingly report a fraudulent account.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report a public record and responding to letters that the information was provided by XXXX, a 3rd party data furnisher. However, XXXX does not have record of this information in their file.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX keeps sending this account to collections ( I C Systems ) when I have told them years ago that this account was opened fraudulently. Now I am being contacted by yet another collections company about a debt that is not mine. I spoke with them and was told that I could get a discount to pay it down but that was the only thing I could do due to me not knowing how to get proof of who used the services with my information.
Complaint sub-issue: Problem with customer service

When seeking out information about why I was receiving notices with zero payments due. Then the next day I would have a delinquent notice. I was simply confused and needed to see the other side. At this point, operator XXXX jumps on the phone to let me know the answer to my above concerns in this manner, " well that national advisory you had consolidate your loans, they helped you to falsify your income and documents to get that rate. Did your income even change? At this point the conversation is over, because I will not be spoken to like dirt! Two things I have a problem with, your customer service agent just called me a liar and a thief. Do the research and the math. Texas XXXX 45hr+night diffXXXX that's 47 hourly straight pay. Wyoming same nurse 32hr+XXXX night diff..XXXX, it's about XXXX less an hour. Plus I worked two jobs up til now. It would be well advised to educate this individual on customer care. In my profession my boss would of already had me escorted off the property ... 
Respectfully, XXXX XXXX, XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am a victim of identity theft. I have submitted all relevant documents to each of the three credit reporting agencies. To date, I have been able to receive status updates and/or investigation results from XXXX and XXXX, respectively. I am not having any success in obtaining information from Equifax. In fact, although Equifax has sent me an email stating my dispute is complete. But in spite of this fact, I haven't been able to access said report after making multiple attempts both online and by phone. A separate and earlier dispute was submitted on XX/XX/2019. More than one month later, still no information. And, I have been unable to receive a copy of my annual credit report for Equifax.
Complaint sub-issue: Information belongs to someone else

Equifax ( XXXX ) is reporting these false inquires identity theft fraud on my account please remove of report asap please 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 Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2022 XXXX XXXX  XXXX this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

I have a personal loan with pnc bank. Unbeknownst to me I was charged {$15.00} more than my payment amount. This {$15.00} has caused me to be reported late 4 months on my credit report. Ive since paid the money and receive refunds for late feesbut the {$15.00} and late reporting caused significant damage to my credit. I want the late notation removed from credit report.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

XXXXXXXX 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: Account information incorrect

I have been trying to pay XXXX  and they are unresponsive to emails. They have reported to XXXX, Equifax, XXXX  that my account is charged off. They have also reported the account multiple times on my reports.
Complaint sub-issue: Debt was result of identity theft

Jefferson Capital System is reporting a debt that was involved in identity theft and fraud under my name. Im not aware of any such debt. As I never received any correspondence by this debt collector. Instead they reported this debt to the credit report agencies. Im requesting under an original contract and an actual signature that shows 100 % verifiable proof under the FCRA with 100 % accuracy that they have the LEGAL right to report this debt. If they are not able to provide 100 % verifiable proof and accuracy with my actual signature and a contract agreement the reporting should effectively be removed immediately from all credit reporting agencies promptly. Further reporting will result in me seeking legal remedy for violating my rights in the statues governed.
Complaint sub-issue: Their investigation did not fix an error on your report

Account Name : XXXX Account Ending in XXXX Balance : {$0.00} Date open : XX/XX/XXXX This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account since the last year of XXXX and I keep getting the same response from the creditors and credit bureaus telling me that the reporting of this account is accurate. Well I say that their claim is disputed and denied, I received a letter from the creditor stating the exact date that this account was opened and it was on XX/XX/XXXX. However, it is reporting inconsistently in XXXX and Equifax, it reporting XX/XX/XXXX, in these two bureaus. I have attached the letter from the creditor for your reference.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed
Complaint sub-issue: Account status incorrect

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate this unverifiable account below : XXXX XXXX XXXX Balance {$1000.00}
Complaint sub-issue: Account information incorrect

XXXX, Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX.

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve.

Waiting for your reply.

XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

After reviewing my credit report today XX/XX/21, I noticed XXXX & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with case number XXXX with Equifax. The case was responded to and closed today the XXXX of XXXX 2017. As usual of Equifax, they have refused to do any investigative work to resolve this issue. I attached letters from the company that did a hard inquiry into my file asking Equifax to delete the records. I am submitting these letters again for Equifax to revisit. 
I wish to plead with CFPB to compel this company to do the right thing and save us time. I intend to file a suit to compel them to remove these items since the company involved issued letters to that effect.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX -- XXXX The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A.

State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.
Complaint sub-issue: Deposits and withdrawals

I opened a online checking account with citibank at the beginning of 2021 and since then have been dealing with problems from them about new account fraud as so they say but I've sent them all my info ID, SS card, proof of address and they keep saying my info is not validated.ive called hundreds of times and they keep telling me ill receive something in the mail and never receive anything.they told me my account would be closed and a check sent to me within 30 to 60 days and 90 days later still nothing.they told me to get a verified phone number I did that and for some reason they still can't verify my info.they have been holding my government refund since XXXX XXXX need my money citibank should not be allowed to hold my money from me like this.i call them and ask where the nearest branch to me is and I'm told they have no idea.they supposedly work for citibank but can't tell me where the nearest branch is XXXX.it took them 2 1/2 months just to send me my debit card.my online account says I have funds available but when I try to use them I get a error how are my funds available but I can't touch them.please help me get my money back im tired of this nonsense from a XXXX bank.
Complaint sub-issue: Reporting company used your report improperly

Nothing has happened yet, I just know I was a part of the data breach. I do n't know what 's going on or how this will effect my credit score.
Complaint sub-issue: Didn't receive enough information to verify debt

Did not receive notice of a medical bill. Because they failed to send a debt validation notice, I did not even know about this bill. 

Details - Collection Agency AMERICOLLECT INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$70.00} Amount {$70.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact AMERICOLLECT XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX
Complaint sub-issue: Problem accessing account

I used to bank with simple then they changed to BBVA compass, right after they changed to pnc bank. Then they shut my account down. I had taxes for years going there to my simple account. Now all my money has disappeared, a few XXXX. Pnc said there's no way they can get it back. I had a XXXX tax return never received and more.