Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record

I had a doctor 's bill from XXXX that I was supposedly served a judgment on in XXXX but it was n't until XXXX until the judgment actually went through at the court ( I 'm probably using the wrong terminology but I hope you understand what I 'm trying to say ). The problem is, the address they supposedly served me at in XXXX I was no longer living at. I was in the middle of moving and I ca n't remember the exact date I moved from XXXX address to the other but I 'm 99.9 % sure I never received notice of this. 

Last year I pulled a copy of my credit report and noticed this and reached out to the collection agency and asked what I could do to clear this up. I was told the balance was around {$700.00} but if I paid {$500.00} they would have it removed. I paid it and a few weeks later I found out this was incorrect. I was then told by the President of the collection agency ( XXXX XXXX ) that if I paid the remaining balance it would be removed. At this time I paid {$360.00}. Once again it did n't come off but I did get a refund check from them a few weeks after this for {$150.00}. Supposedly the amount in their own system was inaccurate and they billed me the wrong amount right up until this point. 

The amount entered into the judgment is incorrect. The original balance was {$1000.00} but after making over {$400.00} in payments & two years later ( well, 4 years until it was entered at the court ) the balance was STILL {$1000.00}. The same amount to the cent. 

XXXX XXXX ( the president of Amerifinancial Sollutions ), XXXX XXXX ( the Director of Finance at XXXX XXXX XXXX ) and XXXX XXXX ( the attorney for XXXX XXXX XXXX XXXX are all in agreement that the amount ( s ) for the bill have been inconsistent and wrong since the beginning and this should be removed. XXXX XXXX has written a letter I have sent to Equifax and XXXX XXXX has written XXXX ( & I also sent this to Equifax ) and to date they have refused to remove this. I 've written to them probably XXXX times over the past year and every time they refuse to do anything about this ... even when given information from the collection agency that what they are reporting is inaccurate. 

Every single person and company associated with this bill has been trying for close to a year to have this removed and every single request has been denied by Equifax. The debt was wrong, the original creditor and collection agency are in agreement on this & here it is over a year later and Equifax is continuing to report inaccurate information and continuing to damage my credit.
Complaint sub-issue: Personal information incorrect

There is a self employed 1099 on my credit reports but that is incorrect information.
Complaint sub-issue: Having problems with customer service

I am the XXXX y/o single mother, homeowner, who co-signed private student loans for my XXXX children. They are XXXX & XXXX & neither can afford the monthly payments Sallie Mae wants. We were close to a resolution involving an affordable payback plan ( $ XXXX/month ) but then we " lost '' our Loan manager & now every time we call we are rerouted to another dead end situation where they want what we ca n't pay. The " special program '' seems to have vaporized. I do n't know what to do. I 'm worried they will come after my house, my only asset. I am more worried than the students. What recourse do I have to get Sallie Mae to work with us?
Complaint sub-issue: Debt is not yours

Communication regarding dispute was sent to ERC on several occasions with the last mail sent XX/XX/2022 for charges in the amount of {$1600.00}. Delayed or no response received from company. 

This agency is reporting an account on my credit report and have no knowledge of. I do not have a contract or agreement with this company and would like this removed from my FTC report and all credit bureaus.
Complaint sub-issue: Information belongs to someone else

I have contacted the Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, LexisNexis ) and the Creditor ( Bankruptcy Chapter 13 ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the bankruptcy is fraudulent and that I'm a victim of identity theft. In return to tell me that this bankruptcy was verified and/or belonged to me via LexisNexis or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Complaint sub-issue: Reporting company used your report improperly

Your company failed to respond within 30 days to a letter i sent out about suspicious activity on my credit report. im requesting these items be verified ( and send the method of verification to me ) or removed immediately.
Complaint sub-issue: Card opened as result of identity theft or fraud

DISCOVER BANK ACCOUNT WAS OPENED AND MAINTAINED BY A THEIF, THIS ACCOUNT WAS NEVER AUTHORIZED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT. I HAVE SENT THEM EVERY SINGLE DOCUMENT THEY HAVE REQUESTED BUT YET THEY ALWAYS TELL ME NOT ENOUGH INFORMATION.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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: Old information reappears or never goes away

These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws. 

THIS IS NOT A DUPLICATE. PLEASE STOP JUST CLICKING THAT AND ACTUALLY READ IT! 

WHAT IS THE FIRST DATE OF DELINQUENCY? THAT ONE THING WILL MAKE THESE ACCOUNTS EXPIRED!
Complaint sub-issue: Information is not mine

This problem started with a XXXX timeshare purchased by my ex in 2005. He supposedly gave it to me as a gift so I was tricked into signing the contract. I subsequently found out it is a timeshare trick because his credit record was so bad he would n't qualify for a loan. As a result, XXXX put the whole thing under my name only without my knowledge. Because of XXXX I never got any documentation. XXXX apparently sent all correspondence to him. He vowed to bankrupt me and ruin my credit. Even though there is a court order stating he had to tell me if there was a XXXX issued he never did. This year a repo showed up on equifax from XXXX who apparently bought XXXX. They refused to acknowledge that. Ever received notice, and refused to honor the divorce decree showing it as a joint debt. After many calls I got the contract cancelled. However, They say I owe a balance and nothing went on his credit report. 1 ) is n't there any protection in XXXX situations? 2 XXXX how can you repo time? Does n't there have to be real property? 3 ) how can it show as a repo and a balance due on my credit report? Is n't it one or the other? 4 XXXX why is n't he being held responsible for the debt? 

This is keeping me from getting any loans 8 years after it occurred. They strong armed me into paying {$1400.00} to clear the repo from my credit report and after I sent the check they said it does n't guarantee they will remove the repo. 

Help me get free from my ex XXXX and XXXX!!!!
Complaint sub-issue: Debt was result of identity theft

I would like to have this fraudulent account removed immediately from my report. Someone opened this account in my name which I was unaware of until recently when I attempted to check my credit for other reasons. This is an unauthorized account ( XXXX ). When I reached out to this company they asked me to provide identity documents for some man named Mr.XXXX who I don't even know. 
I have never heard of this person and there is no way for me to provide a social security card or ID for this man. This company has allowed someone to use my name and information to open an auto loan and I would like this account removed immediately it is affecting my credit report and leaving me in a period of stagnancy with my life and financial goals. 

ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2020 Loan AMOUNT {$18000.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am trying to buy a house and Equifax has negative info on my Credit Score that should not be there. I have called Equifax 3 times and all 3 times I have been told via an automated system I can not talk to a customer service rep. I called a 4th time somehow i got a customer service rep. and After I verified My ID i was told I cant be helped because I answered something wrong on their automated system. First of all their automated system is terrible barely audible and the security questions had nothing to do with me. I have tried to access my acct on line and requested reset emails approx 20 times including to 2 different emails. This business is impossible to contact via phone, email or a live person. Equifax is the only credit agency doing this to me. The Cares act due to covid 19 suspends all payments and interest to federal student loans until XX/XX/2020. I have have several pieces of correspondence from my student loan provider XXXX stating this. But Equifax keeps showing interest and missed payments and increase in balance which in not correct. this is lowering my credit score weekly and I cant contact these Morons to correct the issue.
Complaint sub-issue: Can't close your account

Fidelity Rewards Credit Card, issued by Elan Financial Services issued a duplicate credit card for my account to an unauthorized individual in another state. I caught it and informed them ; I was forced to get a new card. Fidelity ( Elan ) has made security on my account so tight, I gave up using it and attempted to close the account. Balance is XXXX ; I requested the account be closed on XX/XX/XXXX ( sent to the Office of  the President @ Elan ). I have not received a response. I sent an email to XXXX XXXX, CEO of Fidelity as well as XXXX XXXX, Head of Customer Core Journeys. I did not receive a response. I then emailed XXXX XXXX, CEO of Parent of Elan, US Bank Corp. and XXXX XXXX, Senior VP @ US Bank Corp. and. I haven't received a response.
Complaint sub-issue: Personal information incorrect

I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX  XXXX  XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH 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, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

Credit Card opinioned in my name by fraud activity
Complaint sub-issue: Public record

I recently disputed the creditor XXXX '' status of showing '' Open '' and listed under ''Installment Accounts ''. This account was included in my XXXX that was discharged on XXXX/XXXX/16. 
I 've disputed this matter 2X 's with them as well as with CFPB, i was advised by Equifax on the CFPB Website that this matter was not showing in the open status, and showing currently in '' XXXX Discharged as of XXXX/XXXX/16. This is not true both myself and CFPB have been misled and told false information. PLEASE See Attachment showing Equifax Credit Report XXXX showing that this account is indeed showing ''Open '' and listed under ''Installment Accounts '' Please see CFPB Complaint as of XXXX/XXXX/16 stating ''CFPB Complaint Resolution '' I 've continue to deal with these inaccuracies as well as others on my credit report, with Equifax , these inaccuracies are not only causing an issue to my credit but to me and my family.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Paid off a lease with US Bank in approximately XX/XX/XXXX. In XX/XX/XXXX, XXXX more than 6 months later ) I began receiving statements for {$52.00} for " Misc Non-taxable '' with no other explanation. I returned the first one with explanation that car was paid off. The next month I called and XXXX claimed it was a Pennsylvania toll fee from XXXX. The date did not seem to line up with past travel, but so much time had passed that I requested proof ( toll invoice including picture of my vehicle ). They said they would mail but could NOT scan to me. In XX/XX/XXXX, I still had received nothing, so called again. XXXX said file appeared to indicate that it was mailed, but she would try again. Still nothing! Talked to XXXX again in XX/XX/XXXX and she was not sure why mailings had not been sent. In XXXX I wrote a detailed letter and asked that they provide the proof or stop harassing me. 
In XX/XX/XXXX, I talked to XXXX and he claimed details were sent twice but he did not have access to them and again NOBODY could sent them via email ( which is ridiculous ), I requested they try to mail again. About a week later someone who sounded just like XXXX called me and got very nasty and indicated I should pay whether I had the proof or not because it was my leasing company requesting the money. Absurd! I have spent so much time attempting to determine whether this is my bill. First, not sure why they didn't bill it at the time they paid it, second, why it wasn't included in my payoff figure, and third what is so difficult to provide the info I have repeatedly asked for. This has become emotionally draining for me and it needs to stop.
Complaint sub-issue: Their investigation did not fix an error on your report

Listed below are many letters i sent ( Most Certified ) regarding inaccurate and unknown things on my credit report. To this day ( 2 months 17 days ) later I have not received a proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX. I am NOT a carpenter. I do NOT own a carpenters business. These XXXX and XXXX cards are XXXX XXXX Merchant Carpenter Improvement cards. I called XXXX and XXXX who said I XXXX to talk to XXXX and both those do not know who I am. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days AND put Disputed on my Dispute Status ( attaching credit report from XXXX showing Dispute Status : -- -- Account not disputed listed on all 3 XXXX account, XXXX account & XXXX XXXX Equifax : removed from XXXX & XXXX already ) gives reason to remove these items from my credit report. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all 3 Bureau 's data breach and may have gotten into the hands of the wrong person. 
I have sent a Validation certified letter to XXXX and XXXX. All i got back was a BILL saying I owe this and that. Per the FCRA they to present the Original Contract with MY Wet Signature and they did not ( also being attached ). This is why I know the Bureau 's have not validated anything because the Creditors could not validate anything to me!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # 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 a so 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 Purpose
Complaint sub-issue: Account terms

The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification. 

XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : INSTALLMENTSALES CONTRACTBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast PaymentMade:XXXXHigh Balance : $ XXXXPast Due : XXXX {$100.00} XXXX Pay Status : XXXX ; Charged Off & lt ; Terms : {$92.00} per month, paidMonthly for 16monthsDate Closed : XX/XX/XXXX & gt ; Maximum Delinquency of 120 days XXXX and in XXXX & lt ; Remarks : & gt ; UNPAID BALANCE CHARGED OFF & lt ; Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXRating N/R X X X X C/O X X X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXRating X X X XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXRating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRating XXXX
Complaint sub-issue: Information belongs to someone else

I have already told this company I never opened this account with them and its still in my report
Complaint sub-issue: Account information incorrect

The information from complaint XXXX has never been corrected on my report.
Complaint sub-issue: Account information incorrect

The company first collect has me in collections for some dates I was never seen on and the others, I have insurance. I have been on SSI for over 15 years which automatically gives me insurance coverage ( Medicaid and or medicare ) I called the collection agency XXXX XXXX who is the collection agency for XXXX XXXX. They claimed at first I had no coverage and then said they had the wrong date of birth. I was also told that I would receive a call back in reference to this matter which I never did. I am also aware that because I have Medicaid I should never been billed
Complaint sub-issue: Was not notified of investigation status or results

I contacted Equifax on XX/XX/2021 regarding several unauthorized inquiries on my credit profile. In my letter, I informed Equifax that I had already contacted the creditors regarding the inquiries and was directed to contact the credit bureau reporting the unauthorized information. 
I received a response back from Equifax dated XX/XX/2021 instructing me to contact the creditor directly, which I had already done and stated in my letter. No investigation results were provided nor were the methods used to conduct the investigation explicitly stated.
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/2018 Date of Service, {$960.00}, Car Accident Claim. The Atty XXXX XXXX has been in contact with XXXX  involving this bill. The last communication was XX/XX/2018 and prior to that XX/XX/2018. The company gave this bill to a debt collector XXXX XXXX XXXX XXXX. This company reached out to me by letter dated XX/XX/2018. I received the letter XX/XX/2018 and immediately contacted them on XX/XX/2018. I asked them for validity of the claim. I did not receive 30 days to dispute this claim. On XX/XX/2018, this was placed on my XXXX credit file. It brought my credit score down by 38 points and then they flagged it on XX/XX/XXXX bringing ANOTHER NEGATIVE posting on my credit. The representative stated they did not know this was a medical claim and when I asked them to removed the claim they denied it stating they would have to speak w the customer. Spoke w XXXX today and the representative told me on XX/XX/XXXX after me speaking with XXXX  told me the account was in review and debt collection should cease. My attorney in turn reached out to them and they still refuse to remove this from my credit. In turn, my insurance stated I owed {$520.00} and I in turned paid that amount to try and close this situation. I spoke with XXXX XXXX today from XXXX XXXX and they state the debt has increased to {$1000.00}. Please assist.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX Michigan # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Failed to correct fraudulent accounts on my consumer reports
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX the 2021, {$500.00} was charged to my visa XXXX card to Coinbase I did not authorize. I have tried dispute with my bank and with Coinbase and have gotten no help my bank closed my account due to complaining about this issue they have a no buying cryptocurrency policy and they still allowed this transaction to be approved. I have no idea where my {$500.00} is and why no one will help me.
Complaint sub-issue: Debt is not yours

My sister XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas died on or about XX/XX/2019. I am the XXXX XXXX of her estate. 

She had had a telephone ( cell ) through XXXX XXXX. I had tried repeatedly by phone and in writing XXXX XX/XX/2019 XXXX to tell XXXX XXXX that she had died. I included a copy of her death certificate. I used the address of XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX response was to turn the matter over to a collection agency, Professional Credit Service of XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX. They are seeking {$150.00} from her date of death to XX/XX/2019.
Complaint sub-issue: Account information incorrect

There is inaccurate, misleading, incorrect, out of compliance information on my report I have no knowledge of.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have requested a copy of the document I signed giving them the right to check my Credit.  They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit