Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CREDCO Miscellaneous Individual XX/XX/ I am unsure what this credit pull is from. I do not recognize it. Nor do I remember purchasing or requesting the purchase of any credit in XXXX of XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Ive been contacting the credit bureaus for XXXX months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!
Complaint sub-issue: Frequent or repeated calls

Somebody put in a fraud alert on me. We are buying a home and the lender just called me and asked me if I did it. I 'm sure it was a collection company out of Florida that did it to muddy up my loan!
Complaint sub-issue: Account terms

here is XXXX items on m credit report from XXXX XXXX. XXXX is in the amount of {$170.00} dated XX/XX/XXXX XX/XX/XXXX. This is not my debt I have not had an account with this company in XX/XX/XXXX I was not even living in the city of XXXX Va. There is also an account listed for {$240.00} sub # XXXX XXXX, I moved out of my previous address of XXXX XXXX XXXX XX/XX/XXXX and all equiptment was returned to this company. I have contacted them on numerous occassions and and issued a copy of the receipt for returned equiptment and this issue has not been resolved. Under the Fair Credit Report act this is a violation of my rights and I wish to have these errors corrected. this is the XXXX time I have had this issue and as a result I was denied employment from my previous employer. 
XXXX # XXXX amount {$160.00} I have never had an account with XXXX I have been in contact and would like verification of this debt requesting its removal immediately. All of my student loans were in default, the information in regards to these are incorrect. I would like proof of these debts.XXXX # XXXX Attempted for over 3 years to have loan refinanced was advised that it ould happen and when it did not property went into foreclosure. Agreement was made with XXXX that the debt would be wiped clean since I was given monies provided me By XXXX and also with an agreement that all negative payments would be removed. In regards o all medical bills reported. I had insurance With XXXX as a dependent from XXXX thru XXXX. 
Thisinformation is being used againist me and I can not secure a job I would like a full investigation and a copy of any verification that is sent as are my rights under the Federal Fair Creit Reporting Act. It is my intention to seek damage for theincorrect information that has been reported
Complaint sub-issue: Information belongs to someone else

RISE Fraudulent activity on my credit report {$1500.00} Reported balance
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/XXXX, I reviewed my credit report and became aware of medical collections. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for XXXX years. I sent a debt validation letter to : AVANTE USA XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, TX XXXX regarding this account listed on my credit report : Original : Medical Balance : {$2000.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Complaint sub-issue: Debt is not mine

Citi bank credit card keeps calling for a XXXX and u have told them they have ththe wrong phone number. HAve been calling since XXXX XXXX. I auto rejected them but enough is enough.
Complaint sub-issue: Other problem getting your report or credit score

Equifax credit bureau does Not want show me My credit scorer on there official website, with a message show on there website regarding to my account ( We are temporarily unable to provide your credit score. Please try again later. ) I called Equifax company more than 4 times telling them Please show up my credit score and returning back my credit score, because you deleted it/ wiped my credit score all my years trying to building up, unfortunate they informed me there's nothing we can help you with. because this problem still exiting it's still affecting me with negative way I'm getting rejected apply for loan from XXXX 's because my credit score in Equifax credit bureau does not show up when XXXX 's run my CREDIT SCORE.
Complaint sub-issue: Debt is not yours

For about the past six months I have been getting robo-calls from Hunter Warfield on pretty much a daily basis. There are two types of calls ... one does not mention any names. It says they are a debt collector and that I should call them about this debt. I have not called them back as I have been totally consumer debt free for over 10 years and my credit score is in the high 800s. 

The second type of robo-call is one asking for my ex-wife. The message is the same, that she should call them regarding an outstanding debt. My ex-wife and I divorced 17 years ago. I don't even know where she lives. 

I have only gotten phone calls. No letters. 

I have hesitated to call them back as it then becomes a " war of words. ''
Complaint sub-issue: Received bad information about your loan

I was informed by   XXXX   college that they would be able to secure a job for me after completing their program despite that fact that I had  XXXX . I informed them prior to enrolling, in   XXXX   XXXX  < that I had a   XXXX   and they informed me that would not be an issue. Since completion of the program in   XXXX   XXXX  , I have not been able to secure a job. The original loan provider was Genesis. They were closed down by the government due to misrepresentation. The loan was then transferred to   XXXX   XXXX   XXXX  . I was informed that students who attended between  XXXX  and your loan was fraudulently provided, they were to be forgiven. This has not taken place. The collections department has called repeatedly for payment. I have been paying on the loan since  XXXX . Since the government closed Genesis due to fraud,   XXXX   XXXX   XXXX   should not continue collection.
Complaint sub-issue: Account status incorrect

ON XX/XX/XXXX FOUND OUT COMPANY WAS REPORTING ME LATE FOR XX/XX/2018 PAYMENT - INACCURATE AND I CALLED AND THEY CONFIRMED. THEY SAID THEY WOULD GET THIS HANDLED. AND I WANTED A LETTER CONFIRMING THIS AND THAT THEY WOULD FIX. I STILL HAVE YET TO RECEIVE THIS LETTER EVEN THOUGH I HAVE CALLED 10 TIMES AND DONE ONLINE CHATS. PROMISING 24-48 HOURS FOR A LETTER. THE LETTER IN WHICH I WOULD USE TO GIVE TO MY MORTGAGE LENDER AS I AM TRYING TO REFINANCE AND THIS IS HOLDING UP THE REFINANCE. I CALLED ON WED AGAIN XXXX AND THEY SAID 24-48 HOURS WHICH IS TODAY AND NOTHING. I NEED THIS FIXED. AS A COURTESY THEY ALSO PROMISED THEY WOULD REMOVE XXXX 'S ( XX/XX/2018 ) LATE.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate account from XXXX XXXX  on my credit report with Equifax. The package also highlighted fraudulent inquiries that should also be removed. The account and the inquiries in question is still reporting under my name and social via my personal credit profile.
Complaint sub-issue: Add-on products and services

Our grandmother passed away in XXXX, and my husband rented a mini ban to transport our family members to the funeral, then an XXXX  truck to clear her apartment. He opted out the collision waiver, since it was included in our Citi Double Cash Card, per its brochure in XX/XX/XXXX and a benefits update e-mail in XX/XX/XXXX. 

Both rentals were vandalized and damaged, and XXXX and XXXX charged us for the damage. I called the benefits department on XX/XX/XXXX, and was told they removed the collision waiver on XX/XX/XXXX. We were never notified about the change, so I asked to speak to her supervisor, but after the representative put me on hold for twice, I was told the supervisor was not there. 

I called customer service twice to file a complaint, but nobody contacted me. I sent a letter to them on XX/XX/XXXX, asking them to reverse these charges from rental companies, but never heard from them.
Complaint sub-issue: Debt resulted from identity theft

This Debit Collection Agency called Enhanced Recovery is XXXX Around with My Credit Report, Ever Since XXXX From When They First Called Me Back Then. I Informed Them That the Account Was a XXXX Account Witch the Original Company XXXX XXXX XXXX Knew About the Account Being XXXX. The Person at The Collection Agency Had an Attitude Trying to Be Smart and Tell Me I 'm Going to Pay for The Account Regrade less it 's fraud Account or not. I Told Him I was not Going to Pay for a XXXX Account that was n't mine he Hung up The Phone. Ever Since Me and Him Got into It Over the Phone, at The Beginning of the year ever Since Me and Him Got into It. The Collection Agency Sneak and Put the Account Back on My Credit Reports After the Fact It Been Removed in a result of it being a fraud account, Where I Have to Dispute It Every Year, Last Year They Were Trying to Be Sneaky and Put the Account on Their Twice Not Thanking I Would Catch It. Just Today I Checked My Report and The Account was Back on Their, Where Had to Dispute the Account.
Complaint sub-issue: Account information incorrect

In the last 60 days I've been garnished by this XXXX XXXX of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX  children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? XXXX XXXX are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
Complaint sub-issue: Account terms

Equifax is reporting a balance on an account that i 'm an authorized user on. I 've sent XXXX letters and there are some collections that ar n't mine. The balance has been paid in full. What should I do. They refuse to update this and it 's affecting my score. Also I submitted an investigation request on XXXX medical collections from Indiana. I was in texas during that period
Complaint sub-issue: Their investigation did not fix an error on your report

I was successful in proving to XXXX some of the erroneous errors on my credit. While they were in violation of not doing it before they have corrected it. XXXX received the same evidence and has failed to remove the errors. They sent an email with result but each time I click on the link it loops around I attempted to change my password to no aviail. I attempted to call to no avail. XXXX removed 2 collection items so far ....
Complaint sub-issue: Problem with customer service

As part of the usual annual re-certification process for income-drive repayment plans, I submitted requested documen ts ( t ax returns, etc. ) to FedLoan Servicing in order to have my new amount calculated based off last year 's income. All documents were submitted on time ( in  XXXX , for a new amount to take effect in  XXXX   ) . On  XXXX / XXXX / 17 , FedLoan sent an email notifying me that they had received my re-certification documents ( proof of email attached to this complaint ) for my repayment plan. Several weeks later, I called FedLoan for an update. No information was provided as to when I may expect the process to be complete. On  XXXX / XXXX / 17 , I again contacted  FedLoan  via email as to an update on the process. I have yet to hear back any respon se. My 12-  month  period for paying my current amount will cease this month, with a new calculated amount to begin  XXXX ,  2017 . Furthermore, and at the same time, I have had an issue with FedLoan re-certifying my employment. As this is a separate ( but still relevant ) issue, I will not go into details as it has since been remedied after a complaint to the BBB was filed. I have yet to receive any update whatsoever on my newly calculated monthly payment and a new amount is to begin in  XXXX . If a new amount is not calculated/entered into the FedLoan system, my payments will revert and sky-rocket thousands of dollars per mont h (  loans totaling  250k+  ). I need your help, as this is an ongoing and burdensome issue th at FedLoan seems to have zero interest in remedying.
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. 
All Accounts related to the matter : Account # XXXX : XXXX XXXX XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXXXXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX 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 an 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: Reporting company used your report improperly

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : INFORMATION SEARCHIN Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Complaint sub-issue: Reporting company used your report improperly

I have recently contacted equifax regarding a charge off account name ( XXXX XXXX XXXX XXXX ) to remove this account as it is over XXXX  years old they have refused attachment are reports of XXXX XXXX XXXX that have already removed due to being over XXXX  years they have violated my rights by reporting false inaccurate information that has damaged my credit report and still is attached are images of XXXX XXXX XXXX removal dates please fix by removing said account XXXX XXXX XXXX XXXX from my equifax report
Complaint sub-issue: Information belongs to someone else

To whom it may concern, My name is XXXX XXXX. There was fraud of some sort back on XX/XX/2020 someone tried to apply for a credit card using my name of some sort with XXXX XXXXXXXX I called XXXX XXXX and they understood I didn't authorize any new cards with them and was already a member. They had said since it was fraud and not me they would remove the hard pull from my file. It was on all my files that. They removed it on XXXX report but on Equifax report it is still there. I have attached pictures to show it was removed from transunion. Equifax it never came off.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The item i need deleted are listed in th credit report. I am a victim of identity theft and did not make the charge. I have contancted the Creditor and tried to have these item removed time after time. Because of this negitive item i havent been able to get approved for a home nor a car considering i am a single father who needs transperation to make sure my child has everything she needs. Please delete these item as soon as possible.
Complaint sub-issue: Public record information inaccurate

To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from Equifax claiming that my data has been verified in violation of my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

On XX/XX/2022 I was double charged at XXXX for {$180.00}, I returned the item I purchased to try to get my money back and they only returned one of the charges and the other charge was never returned. I contacted cash app and XXXX and at the time both were telling me there was nothing they could do. I disputed the charge and was denied, I continued to dispute the charge with cash app and was denied every time so I decided to call XXXX executive office and was finally notified that they had started a refund for my double charge on XX/XX/2022. I waited the 10 business days and still had not received my money back so I then called cash app again and they stated that they didnt have a pending refund coming to my account, so I called XXXX again to make sure they refunded the money when they said they did and the executive office confirmed they had. I requested the documents from which cash app used the determine my denied dispute and they merely sent me a purchase summary, with nothing more than the store name and the amount I was charged.
Complaint sub-issue: You never received your bill or did not know a payment was due

On XX/XX/XXXX U.S. Bank took an automatic draft from our checking account ( no longer with U.S. Bank ). We did not receive any text or email alerts stating they were taking this amount. On our bank statement it shows an automatic payment of {$580.00} was withdrawn. It stated it was for a credit card ending with XXXX, In checking we found that we don't have a credit card with U.S. Bank that has that ending number of XXXX nor have we ever signed an automatic withdrawal authorization. withdrawal on XX/XX/XXXX and stated it was a credit card ending in XXXX. It was withdrawn from our new account XXXX XXXX ( Florida ). When we moved from XXXX  to XXXX  and closed our U.S. Bank account we experienced numerous overdraft fees etc. This new error of {$580.00} has put us in great financial stress.