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

XXXX XXXX XXXX, XXXX and myself went to court on XX/XX/XXXX. The judge signed a court order saying that I owe this company no monies. 

Prior to seeing the judge, XXXX XXXX ( an agent for XXXX ) and I discussed this alleged debt and she said that the main office in XXXX, FL would reach out to me to discuss a payment plan. I inquired about the down payment that I put on the home ( XXXX XXXX XXXX, XXXX ) and if that would be taken away from the total balance. XXXX stated that she did not know and that I would need to discuss that with the main office when they reached out. 

The judge signed a court order that day that said I do not owe this company any monies. Furthermore, I never received any correspondence from the main office as to them sending this account to collections, discussing a payment plan, my downpayment, or anything else. In XXXX of XXXX I received a dunning letter from Hunter Warfield Inc and I have been going back and forth with them recently about the validity of this debt and the way everything was handled. I have turned in the signed court order to Hunter Warfield multiple times ; however, on XX/XX/XXXX at XXXX XXXX during a recorded phone call with XXXX XXXX at Hunter Warfield she told me that the court order from a judge did not matter and that I would need to seek legal counsel if I wanted to handle this any further. 

I have asked Hunter Warfield for debt validation several times. They have only sent me verification and the signed court order has never been part of the verification thus the verification is incomplete. They refuse to send me validation that I am legally bound to this debt and they say XXXX XXXX XXXX says that I have to pay them. 

I am trying to keep from taking this issue to court. I just want this collection removed from my credit reports and handled the proper way.
Complaint sub-issue: Received bad information about your loan

Dear Sir or Madam : This is in regards to Late payments, XXXX XXXX, FedLoan Servicing, Account # XXXX Attached are copies of documents to show that there was in fact a mistake made with my billing with the FedLoan servicing. The first document is a copy of the EFT application for direct debit. The date clearly states that on XXXX/XXXX/XXXX the EFT was put into effect. The second document states that my forbearance just ended and payment should have commenced upon the ending of my forbearance. The dates for the forbearance was XXXX XXXX, XXXX for three months. This would take care of XXXX, XXXX & XXXX payments. The third document shows a direct debit extraction reminder. The date on that is, XXXX, XXXX XXXX. My payments should have not stopped with the direct debit. These documents show that I, in fact, never missed a payment during the dates listed above. Somewhere there was a simple mistake that needs to be cleared up but seems nearly impossible. In the past, I have disputed these mistakes multiple times with all credit bureaus and FedLoan themselves. Nothing was done to fix the error. All I am asking for is a little latitude while this matter is being attended too. As you can see by my previous track record with FedLoan, I have never missed a payment prior to or after the dates stated above. I have never missed a payment on my first car loan through XXXX. I have never missed a payment on my second car loan through XXXX. My credit is in good standing. I am a responsible XXXX year old young man. I run my own small business in XXXX, Az. All I am asking for is a little help to clear this mistake up. Thank you!
Complaint sub-issue: Debt was paid

Omega RMS , LLC refuses to remove an account that has been paid in full off of my credit report since XXXX. I have disputed this account numerous times both with with their company, as well as with the credit bureaus in an attempt to resolve this matter to no avail. Each time, they reply with a generic standard form letter saying they have verified the account to be valid which it is not. The credit bureaus accept this response and have continued to allow the account to be reported, despite the numerous inaccuracies in the account and despite the FCRA they are both bound by. I have spoken to an attorney, who suggested filing this formal complaint as a last attempt to resolve this matter prior to bring a lawsuit against both the credit bureaus and Omega RMS , LLC so this is exactly what I am doing. Most recently, I obtained a credit report from XXXX dated XX/XX/XXXX which contains gross inaccuracies. The original account owed was only {$320.00} for some XXXX  work for my son at XXXX XXXX. This account has been paid in full with XXXX XXXX. Despite this, Omega RMS is currently reporting a MONTHLY payment on this " open '' account to be {$3100.00}, has the incorrect original creditor listed, the incorrect original balance due listed, and that the last payment was made on XX/XX/XXXX, for which no such payment exists. In addition to my prior disputes with the credit bureaus as well as Omega RML LLC, I called the company at XXXX and was told they would put in a " support ticket '' but for me to provide them with documentation showing the account has been paid to their email address of XXXX, which I also have done. The account continues to be reported despite the law and their requirement to follow it. The account has never been properly validated according to the law as I have requested either. I need to have this inaccurate collection account REMOVED completely from my credit reports with ALL bureaus being reported to and to have them be prohibited from reporting to any other credit bureaus any information pertaining to this matter. It is unacceptable to continue to destroy people 's lives by damaging their credit in this manner and I request they be held accountable for their actions. If this is not removed, I will be filing a law suit and enforcing the FCRA for which they will be responsible to pay my attorney 's fees and damages which are significant that I have incurred as a result of their negligence.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attempted to contact Equifax in regards this unknown inquiries in my report and they suggested to contact each of those individual companies to fix the issue, the problem is since I did not made those hard inquiries, I can not get a hold of anyone. Below are the inquiries that I did not authorize. 

- 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: Their investigation did not fix an error on your report

I have submitted disputes to Equifax regarding information that should be excluded from the consumer report per the FCRA. Additionally, the violation ( s ) that was committed by Equifax. By not honoring my request as a consumer it is not only causing a lack of trust, also breaking the law, and causing defamation of character by continuing to have these erroneous items on the consumer report that Equifax has no consent to have in the first place. The violations that have been committed by Equifax are as follows. Equifax violated 15 USC 1681b ( a ) ( 2 ) when the consumer submitted written request to have listed information removed ( letter attached ). Equifax also violated 15 ISC 1681a ( 2 ) ( b ) as the listed items should be excluded from the consumer report.

I have attached my written instructions per the FCRA
Complaint sub-issue: Card opened as result of identity theft or fraud

I recently learned that my personal information was used to open accounts at Citibank. I did not open or authorize this account, and I therefore request that it be closed and remove out of my credit report immediately. I also request that Citibank absolve me of all charges on these accounts, and that you take all appropriate steps to remove information about this account from my credit file. 
After I contacted Citibank, they said that the above accounts were being paid form a bank account that had my name on it. However, this account has been closed by the bank because it was also fraudulently opened.
Complaint sub-issue: Problem with personal statement of dispute

I have submitted several disputes online and over the phone with XXXX regarding a hard inquiry on my credit report. All cases have been closed advising it is correct and will remain on my report for 2 years. This hard inquiry was applied by Citi Bank/Best Buy on XX/XX/XXXX. I have not applied for a credit card for Best Buy. I contacted Best Buy on XX/XX/XXXX, first spoke to XXXX and was advised he could not locate an application to match my personal information including my SSN. I was then transferred to XXXX and was again advised there was no application or credit card opened under Citi Bank/Best Buy. I have asked Citi Bank/Best Buy to provide me something in writing to confirm I did not apply for this card since XXXX keeps confirming I am responsible for this inquiry. I would like this removed from my credit as it dropped my score significantly after this inquiry was reported.
Complaint sub-issue: Their investigation did not fix an error on your report

I had many hard inquiries I did not authorize I reached out to these companies got deletion letters also reached out to equifax and disputed these issue yet they wont fix the issues. Most of my inquiries are fraudulent I do have 2 out of the 10 inquiries deletion letters. But all of these are fraud not done by me and equifax refuses to remove these.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My Student loans had been in forbearance during a gap ( XXXX ) period that I spent XXXX abroad in XXXX. Ive since gone back to school. I called XXXX, to explain my situation and get info on my payment options during this period. The navient rep suggested placing my loans in forbearance during the gap and that I just needed to make sure and reply to their emails when came time to renew my forbearance. In XXXX of XXXX I realized I had a late payments for all XXXX loans from XX/XX/XXXX on my credit report. I contacted them XX/XX/XXXX and was told that my forbearance renewal date fell a few days before their XX/XX/XXXX reporting date and that they did not receive my request until the first of XXXX, I explained, however, that I had received the renewal email XX/XX/XXXX ( was early morning the XXXX for me in XXXX ) and replied the same day XX/XX/XXXX. He said there must have been an error and started a dispute and asked me to provide him with the emails in order to get it sorted out. I provided both the email I received and my reply along with the original emails. He was very helpful but it took the department until XX/XX/XXXX to reply, after I had called many times and finally spoke to someone higher up. 

After speaking to them the decision was emailed to me and states they can not change the error bc their system shows XX/XX/XXXX and believe the documents I sent have the potential to be faked/edited. So I again reached out to the manager I last spoke to, again everyone I spoke to was very helpful and nice, but stated her hands were tied but allowed me to provide more evidence authenticating the email and when it was sent in case it would change the situation but couldnt guarantee anything. So Ive sent the header using googles message header admin tool, highlighted the IP/time stamps to both the received and sent email ( original ), the message ID, and emails web archive, but as stated I was told they likely wont change it.
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Received bad information about your loan

I recently applied for Public Service Loan Forgiveness program with XXXX  XXXX. I was told that after consolidating my loans in XXXX, the time started over from that date. Problem is they are not taking into consideration my loan paid prior to XXXX. In fact I paid off several loans from XXXX XXXX  and XXXX XXXX  XXXX from XXXX XXXX. After reviewing my credit report XXXX  XXXX has reported that they actually paid these loans off via consolidation. This is not true. I have reached out to the Dep of Ed. and XXXX  XXXX  and they are not taking my issue seriously.
Complaint sub-issue: Personal information incorrect

Equifax is violating the FCRA. Equifax is furnishing inaccurate/unverifiable personal information on my consumer report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. Additionally, there is discrepancies on the late payment dates and the dates shown on my credit report. 

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: Account status incorrect

I am having problems with accounts not being reported as paid or I paid an account to the collection agency but the original account is showing a balance and the collection has been deleted as agreed upon.The following is a list of the accounts which are not correct and which bureau is reporting it wrong. 

Conns - was paid through the collection agency which is now deleted but they are reporting a balance on all three bureaus, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX - These have been paid but are not being reported as paid in the payment status line or noted in the comments by XXXX. They are all reporting as paid in the payment status line and in the comments section on XXXX and XXXX. I paid these back in XXXX of last year. I've gone to XXXX multiple times asking for these to report correctly or to delete them. I've even got to these companies directly and they just say it was paid and that it could take up to 30 days to be reported as paid, its been 3 months now.
Complaint sub-issue: Account status incorrect

For the last 45 days, I have been reaching out to XXXX XXXXXXXX XXXX regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.
Complaint sub-issue: Deposits and withdrawals

Can not link PNC account to any services XXXX, XXXX XXXX, XXXX XXXX PNC has a lock on the service
Complaint sub-issue: Problem getting report or credit score

In XX/XX/2016 I ordered my report from all three credit agencies, however, one agency in particular has refused to provide me with any kind of updated report or investigation results. After filing disputes with Equifax they began asking me for more proof of my identity which I continued to provide each time I either filed or responded to one of their disputes. I also called them on the phone multiple times and was unable to get them to cooperate. To this date, I have not received a response to any of my requests.
Complaint sub-issue: Investigation took more than 30 days

I Have sent multiple letters dating back to XX/XX/2021, and XX/XX/2021. I have yet to receive a response about my investigation in a timely manner. I have recently sent another letter regarding this manner on XX/XX/2021 and had this sent via certified mail from the Unites States Postal Service requesting changes to be made to my credit profile because they failed to respond to me at all. I feel as if i my request werent taken seriously and i was ignored. Ultimately i want the inaccurate information that is reporting to my credit profile removed. I have made several attempts to resolve this matter. Equifax needs to be held accountable for neglecting my request by not responding to them at all. My credit profile affects my life in the real world, and is causing me difficulties closing on a home.
Complaint sub-issue: Public record information inaccurate

LexisNexis continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. 
In accordance with Fair Credit Reporting Act, XXXX Has Violated my rights. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX Bank # XXXX has Violated my rights. Please Delete XXXX XXXX Bank Account from my credit profile. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting ActXXXX XXXX  - I didn't approve double hard Inquiry, XX/XX/XXXX & XX/XX/XXXX - only one credit pull was authorized for this transaction. In accordance with the fair credit reporting act Delete one inquiry. Delete 90 days late on my XXXX XXXX Account. Has Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/XXXX I sent certified letter for debt validation request for a debt in the amount of {$2400.00} being reported on my credit report. No response and they Continued to report to bureaus. They Never marked account as disputed. XX/XX/XXXX I sent a second certified letter for debt validation. Again they failed to verify and continued to report to bureaus. They also Never marked my account as disputed. XX/XX/XXXX I sent a third certified letter to request debt validation. Again no response, they continued to report to bureaus, and never marked account as disputed. All letters were sent certified to address provided on my credit report and were verified by USPS tracking as received by them. I have proof of this if needed.
Complaint sub-issue: Didn't receive enough information to verify debt

In XXXX I had an account transferred to the collection agency known as IQ DATA INTERNATIONAL. On XX/XX/XXXX I contacted IQ DATA and requested a copy of the contract. I was told a contract was sent to me, the contract was sent to a previous address of XXXX XXXX XXXX XXXX, XXXX XXXX, LA. Therefore I never received the copy of the contract, I asked the agent on XX/XX/XXXX for a copy of the contract and he asked why I needed it. I stated I needed a copy of the contract because I would like to see the amount of interest and fees that is being added to the account. I was told by the agent to send a letter which I did and I have yet to receive a contract. The agent by the name of XXXX stated to me that the agency will not continue to send me a contract even though I never received the original contract, his exact words were " Were not going to keep sending you contracts because by law we don't have to ''. I am aware that under the FDCPA I am entitled to verification of the debt by validation with a statement or contract and IQ DATA is refusing to abide by that rule. The company states all calls are recorded therefore they should clearly be able to hear that the agent XXXX is repeatedly asking me why I need the contract and stating he doesn't have to show me why or how much interest is being charged. I simply asked for the copy of the contract from the original debt collector and a statement of fees and interest added an I was refused that right which I am entitled to, I have no verification of this debt from this company and they are refusing to provide me verification. I have a witness who over heard the phone call who would be willing to testify on my behalf that agent XXXX refused my request. I am enclosing the final letter I sent to IQ DATA and all of the letters I have sent to the bureaus concerning verification of this debt. XXXX  is repeatedly stating I am not writing my own letters to dispute the failure of IQ DATA to provide verification of the debt I hereby stating under penalty or perjury that I have been the sole writer of every dispute to sent to XXXX  and any collection agency.
Complaint sub-issue: Personal information incorrect

I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX