Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting my free annual report

why should I have to write a letter to get my information, what is the problem it is telling me I need to write a letter to get it. this is time consuming not realistic today, people use the computer for everything and phones and email. now I have wasted time and more time because I need my credit information now! there should not be any issue with getting it online, and it does not tell me the reason. no security issue should not be handled that way because I still do n't know the issue. I do n't have time for this. this needs to be fixed and better convenient for people. we have to be systemized to do anything! is unfair!
Complaint sub-issue: Didn't receive enough information to verify debt

ERC collections has not proved that I owe debt. Was never notified before sent was placed on credit. Never got opportunity to take care of debt. Never proved debt was mine.
Complaint sub-issue: Frequent or repeated calls

Company started calling twice a day, now they are calling four times a day each day. 
They are calling without identifying both the name of the creditor and the name of the person they are calling. 

If I answer the phone, they stay on the line without saying anything. 

A representative told me that they have an automated number just call repeatedly., I asked them to stop and they have not. 

I have no idea why they are calling.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. This is unauthorized use of my credit report. Please block and remove them immediately : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX CARD : XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

My last plea for help was on XX/XX/2018. I have been asking for SEVERAL months that XXXX and Equifax update my correct name and address on my account so that I can dispute online. As of today 's date they STILL have not corrected my name and I can not dispute on line
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX, Equifax received my dispute about a public record that is reporting on my consumer report. Well today as of XX/XX/XXXX, I received a letter from them stating the results of their investigation. They stated the information was accurate and has was verified which I find hard to believe when I have a letter from the CFPB where XXXX who they used to verify stated they made a mistake in XX/XX/XXXX about reporting a public record that was not mine and removed it from their system. I also have a letter from the Courts verifying that they do not furnish any information to the Credit Reporting Agencies. The courts upload all of their records to a system called XXXX which only a member can access but the information is not reported to the Credit Reporting Agencies by a system.
Complaint sub-issue: Debt was paid

Enhanced Recovery Company filed this on my credit report without sending me a letter or leaving any messages on my machine stating that they were going to do so. The debt of {$490.00} was already charged off by XXXX to my XXXX XXXX Credit Card on Wednesday XX/XX/2022. So I have no idea why Enhanced still put a collection on my record. I demand it be taken down now.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX  account is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Complaint sub-issue: Trouble with how payments are being handled

My student loans are w/Nelnet transferred from XXXX XXXX, XXXX XXXX leader stated XXXX XXXX stated base interest rates were 6.8 %, majority of my loans were 3.+ %. I have applied for a XXXX Loan Forgiveness but they are asking for documents I have already submitted. This has been going on since XX/XX/2019. One young man told me their processing time is so long because they are short handed. They also payments should be {$73.00} and not {$95.00}. XXXX made up a story that I paid an overage which could have occurred when XXXX XXXX had my Loan. Nelnet is making up lies and will not put their explanations in writing
Complaint sub-issue: Debt was result of identity theft

Received a letter from a company called Hunter Warfield based in XXXXXXXX XXXX, sent to my address but under my XXXX name ( he does not live here ). 
It lists a Creditor Name of XXXX XXXX and a balance due of {$13000.00}. I have never done business with any entity named XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX 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: Credit inquiries on your report that you don't recognize

to remove all my credit inquiries on file
Complaint sub-issue: Debt is not yours

National Recovery Agency ( NRA ) has improperly aged the real date of first delinquency ( on XX/XX/2018 ) to the service date ( on XX/XX/2018 ). NRA did not mail me any notice before regarding this matter, and they just reported this open credit debt to my history. 

My corresponding insurance claim shows that the medical center submitted the claim very late on XX/XX/2018 ( more than 3 month after the service date ), and then they billed me on XX/XX/2018. If an account is established under what is called open-type credit ( not to be confused with an open account ), then the full amount is due when billed. By the law, the consumer has 180 days from the day of first delinquency to pay the medical account before the agency is allowed to report it to the credit bureaus. But NRA reported it on XX/XX/2018 based on their previous feedback to my complaint in CFPB. 

( 1 ) NRA did not send any collection notice to me before reporting. 
( 2 ) NRA altered the date of first delinquency. 
( 3 ) NRA reported the account before 180-days period.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} ; 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 XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account information incorrect

I have attempted to resolve this matter over the phone and by mailing Equifax back their very own Research Request Form in XX/XX/2021 informing them of this inaccurate information listed. Such as accounts, addresses, allowing soft inquires etc. I do NOT and did NOT give oral, nor written consent to Equifax 15 USC 1692c ( a ). Equifax has taken it upon themselves to take on a role with my non-public information to be displayed for the world to see 15 USC 1681a ( 3 ). Equifax did not exercise their grave responsibility, they are using unfair, partial and did not respect my right to privacy 15 USC 1682a ( 4 ). I never instructed Equifax to furnish a report, nor did I instruct Equifax to create a report. Equifax has no Permissible purpose 15 USC 1681b. I have lost out on opportunities on providing better for my family due to Equifax fraudulent actions and lack of due diligence on validating the accuracy of my nonpublic information to begin with. This has caused mental anguish, my valuable time and money in attempt of resolving this matter. There's is only one Bureau and that's the CFPB whose job is to ensure these vultures does not abuse me a living being, the consumer. I the consumer is protected by laws put in place by Congress and I will make sure Equifax is held civilly and criminally liable for the damages they have caused.
Complaint sub-issue: Didn't receive notice of right to dispute

I had a similar experience with this law firm with a law suit from XX/XX/XXXX thru XX/XX/XXXX. It was a very horrific experience for me. Starting with the fact that I could not afford legal representation, as such, It was self representation. I was bullied through the court system which caused me a huge financial loss for forced settlement including their legal fees. Final judgement settlement {$1800.00} of XX/XX/XXXX. I made 3 installment payments to clear it. This amount was on top of every payments I made over time to catch up and be current, both assessments and late fees on XX/XX/XXXX {$1400.00}. 

Now to the current situation. I have made a fair offer for an amicable resolution. 
Every relevant documents attached
Complaint sub-issue: Public record

My complaint is stating that the Public Record Information was inaccurate in its filing. By law the term " Dismissed '' means that it is adjudicated by the law. When I initiated the case it concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years this is against consumer law. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX  Open/closed Date opened : XX/XX/XXXX My rights were violated by company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company was misleading to new consumers and being dishonest on their scheme of obtaining new customers to purchase vehicles. It wasn't ' until it was time for me to make my first payment when I realized I was deceived. The payment that they told me I would pay in office was different from the amount the finance company XXXX XXXX XXXX sent to me through the customer portal. Upon learning of this information I immediately tried to get out of the car. I was sold a XXXX XXXX XXXX but could not afford the payments, but the payment that they went over in the office with me was affordable. The finance guy with XXXX XXXX originally told me that my payments would be XXXX XXXX XXXX but XXXX XXXX showed that my payments were over XXXX XXXX XXXX. I went to talk to the owner because I knew that I was conned .I also made the finance company XXXX  XXXX XXXX XXXX the dishonest process, but they just blew me off. They had recollection that XXXX XXXX was doing this to several other customers because they had been business partners for several years. It was in XXXX of XXXX when I asked XXXX XXXX to come pick up this vehicle as doing a XXXX XXXX because the payments were unaffordable. The car sat at XXXX XXXX where the car was purchased from until the middle of XXXX XXXX XXXX XXXX XXXX didn't pick up the car until then so that they could report missing payments on my credit report. XXXX XXXX had continued selling cars until they went out of business in XXXX. I am glad that this company has went out of business, so that they won't be able to make anyone else life a nightmare as they have done mine. They're had been several complaints against XXXX XXXX prior to their closing for the lack of honestly, creating false and inaccurate documents with several customers. I have been a victim of a company who obtained business with misleading, dishonest and criminal intentions. 

I am asking for this account to be removed permanently from my credit report. This is still negatively impacting my ability to improve my credit to a higher score in hopes of being able to one day purchase a home and buy a brand new car. 

Sincerely, XXXX XXXX
Complaint sub-issue: Account information incorrect

I submitted a complaint to XXXX, XXXX  and Equifax regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, Equifax agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, Equifax has failed to follow through on its promise as the accounts still remain. XXXX failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XX/XX/2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. XXXX XXXX
Complaint sub-issue: Problem during payment process

XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX To whom this may concern. 
I am writing because this credit card company forced me to. They have been doing illegal practices. In XXXX I was told that my account was past due {$9.00} which I corrected it right away after speaking with one of their representatives, which I was told at that point when I paid the {$9.00}, they would adjust the late fee which was not a day old. and return my account back to normal status which never happen. I was asking to go autopay, but I refuse to do so after XXXX XXXX payment went in with no problem. Now we are on XXXX XXXX payment and I find myself over the limit again. I was forced to pay {$11.00} and go on auto pay to keep this from happen to me again. 
This company lies on a continuous basis to get what they want. They lied to me telling me that they would return my account back to normal status and give me back my credit line of {$3100.00} dollars, which never happened, nor did they inform the credit bureau of what happened. They ruin my reputation causing my credit score to drop to an all-time low. I am going to seek legal advice because they're ask me to go paperless which give them the power to handle my credit card. What I mean is they can do whatever they want since you can't see the bill. I paid them in accordance to what my statement is usually billed, they increased it in order to charge me a late fee. Just think about how many people they are doing this to. {$29.00} time one hundred customer would be {$2900.00}. Now do it time 1000 customer. Just keep going. Ask yourself why pay anything on a bill if you know they are going to charge you a late fee, which they do not put to the same month but to the back of the bill which you will never see. 
What I would like is for them to send a letter to the collection agencies, just like they did when they changed the amount of my monthly bill driving me over the limit. I want them to return my credit back to where it was before all of this happen, and for them send me an apology letter. I pay my bill every month. If I didn't want to pay this bill, I would not make any form of payment, nor would I have paid less than what is do. 

Thank you for all your help in advance.
Complaint sub-issue: Their investigation did not fix an error on your report

All XXXX credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious back issues and could no longer drive or work to make the payments on the car.I lost the ability to walk. Had to go to a wheel chair for almost XXXX years and through pain management for XXXX XXXX before i lost XXXX disks in my lower back. They just disintegrated. I now have nuts and bolts and rods and screws holding me together. This can all be verified. I had to have major XXXX in XXXX XXXX of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story
Complaint sub-issue: Problem getting a working replacement card

On XX/XX/21 Sears/Citi Bank Mastercard e-mailed me a Fraud Alert, that my credit card has been used at a XXXX  Station in XXXX FL XXXX It asked me if I recognized the charge, and after verifying that this was a valid e-mail address, I clicked on XXXX. I got a message that my card would likely have to be canceled and reissued. I have not used it since. 
I later found out that on or about XX/XX/21, that Sears/Citi Bank had phoned some of my family. They had no right! I am over XXXX, they cant do that. Ive been trying to get them to stop for decades. 
In addition, upon logging into my Sears/Citi Bank online account on XX/XX/21, I found out that there is very clearly listed a cease and desist on my account, preventing Sears/Citi Bank from phoning anyone regarding anything, let alone calling people who are not listed on my card. Sears/Citi Bank is in violation of the cease and desist, again. 
I drove to the library on XX/XX/21, I found out that Sears/Citi Bank no longer has a secure message server online. I was forced to use their chat. It must be a very poorly programmed bot, because if an actual person is that incompetent and rude, they should be institutionalized for the protection of the population. I was beyond frustrated. This should not be so difficult. 
On XX/XX/21, I replied to the Fraud Alert e-mail, asking, Do you have the video of who used my card #? Will you be prosecuting? I never received a response. 
On XX/XX/21, I logged into my Sears/Citi Bank online account again, but there was still no response to my XX/XX/21 chat entries or questions. I tried again, but the chat would not answer me, it just kept demanding that I ask them questions, questions that they will not respond to. I did a notice message for me, outside of their chat option. It stated that my card had been canceled, and that I would be mailed another one. 
On XX/XX/21, I replied to tSears/Citi Banks Fraud Alert e-mail a second time, with an attachment. I never received a response. 
Its been XXXX days, XXXX complete waste of time chats, XXXX unanswered e-mails, since my credit card reported fraud to me, but I still dont have my replacement MasterCard. 
My friend had a canceled credit card at work due to fraud their credit card company XXXX XXXX them a replacement within XXXX hours. Why is this taking so long?
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.EQUIFAX XXXX {$130.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I have tried several times to reach out to Jefferson Capital Sys regarding account # XXXX listed on my credit report. I have sent certified letters to them in XX/XX/XXXX as well as XX/XX/XXXX. I have also made multiple phone calls throughout XXXX requesting for this debt to be validated. I have never received any communication from them regarding this debt or how it can even be disputed. It just showed up on my credit report. If Jefferson Capital can not or refuse to provide me with the requested validation then they must  remove this negative information from ALL credit reporting bureaus including XXXX, XXXX, and XXXX immediately.
Complaint sub-issue: Application denied

I applied to Discover for a credit card and was denied. I had a Discover card in the past and never was late or misused the card. In fact Discover canceled the card do to inactivity. Now years later that I want to reapply for a credit card with them I am denied. The adverse letter that was sent in the mail states status of existing/ prior Discover card account. I called Discover to find out what this was about and the only answer that I got from the representative was that it just wasnt time for me to get a card. I didnt understand what that meant because my old account was in good standing.
Complaint sub-issue: Information belongs to someone else

Money Lion has an account reporting to XXXX, XXXX, and XXXX for a charge off. I have only taken two Money Lion loans which were paid in full. An additional loan was taken without my knowledge or consent in my name. I am a victim of Identity Theft/Fraud. I have had the alert previously removed from my credit file as it prevented me from accessing my own credit file and I don't authorize any alerts being added. I only authorize removal of the account that is not mine or authorized my me opened around XX/XX/2020 per the credit report listing. 
My information has been involved in multiple data breaches including but not limited to XXXX.