Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where they received such information, so I may take appropriate legal action. Under the FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. Below is the list of the fraudulent items I found on my XXXX report ad must reoved from my Credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I had a loan with XXXX XXXX / Cashcall.com / XXXX XXXX XXXX. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.
Complaint sub-issue: Attempted to collect wrong amount

I rented from XXXX, a month before the completion of the lease i was unable to pay due to bad wether preventing me from working, ( we were XXXX in ). I paid my eveiction through the court. XXXX charged, e after the monies were paid.. hunter warfield is refusing to make any of the proper reportings so that my credit score reflects my current ability to pay. I paid the eviction in XX/XX/XXXX. hunter warfield reported XX/XX/XXXX after it iwas already satisfied in XX/XX/XXXX. the worst of it all is outragous claims of debt for a n apartment that only clothes on he floor when i left no bugs no food just clothes. they charged me for carpet. builder grade carpet is XXXX installed. the carpet was 4 years old already becuase they told me the previous customer was there for 2 years and the carpert was not new. i was there 2 years leaving one year before tn law would require them to pay for new carpet my portions of the payment for carpet should be less 75 % total cost of carpet. should be around XXXX another issue that needs to be address is the unprofessionalism with which this was handled. I reached out to huner warfield on several occassion being tossed around from person to person. I finally spoke to some one who attitude was very unruly. very disrespectul and without regard for my desire to move on.
Complaint sub-issue: Didn't receive enough information to verify debt

Recently I XXXX XXXX, formerly known as XXXX XXXX was sued for a very old collection account. I demanded a full investigation as to the age of the debt, and I won in the XXXX XXXX XXXX as the debt simply was no longer enforceable. So, I started to do some additional research pertaining to a default judgment entered against me in XX/XX/2018 by Troy Capital LLC, as assignee for XXXX XXXX XXXX. I now have a judgment against me that had no right to ever be before a judge in the XXXX District Court, XXXX XXXX XXXX, XXXX, MA XXXX. I am going one step further by stating that the original debt with XXXX XXXX XXXX had been in default for well over seven years, and for that matter the account is not even posted on any of my credit bureaus. The debt buyer known as Troy Capital LLC is protected within the XXXX of Massachusetts from even licensing as a debt collector as per recent Superior Court decisions as well as a mandate from the Massachusetts Banking Department. A law firm know throughout the XXXX of Massachusetts as XXXX XXXX  XXXX filed the lawsuit, and I was never given proof of ownership of debt from XXXX XXXX XXXX that Troy Capital LLC had the necessary assignments of debt, and/or any upset price on the purchase of said debt. I am a woman of XXXX  status, being a person of 50 % XXXX and 50 % XXXX heritage. I work a very responsible job for the XXXX of Massachusetts, and I believe that debt buyers target minorities due to their limitations within the financial system in general. I have been the target of racism and I do not believe that proper due diligence was proved on ownership in the judgment posted against me. I hereby demand a full vacatur of the judgment against me immediately, and a return of all funds seized from my payroll checks. I will take the following actions within 30-days if my  rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are not protected : 1 ) I will submit a bar complaint against XXXX XXXX  XXXX and XXXX XXXX XXXX, Esq. 
2 ) I will submit additional complaints within the XXXX of Massachusetts agencies such as the Office of Attorney General and the Massachusetts Department of Banking. 
3 ) I will submit complaint with the XXXX and XXXX XXXX, as I believe that a proper investigation will prove XXXX bias in the debt purchase scam, as well as with their lawyers that enforce these judgment actions in our district courts. 
4 ) I have three additional areas to steer this issue to that I will reserve at this time. 
5 ) XXXX XXXX XXXX XXXX violated my rights by submitting my collection information outside of legal timelines, and should be sanctioned by the CFPB. 
Please take my complaint with the Consumer Financial Protection Bureau serious and address my concerns. I do have a civil rights lawyer from XXXX who wants to come on board with my complaint, but I told him that at this time I am trying to protect my family and would like to see if the problem could be resolved peacefully without additional actions. 
I demand that the judgment taken against me be vacated immediately and all seized funds returned. 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX i have been contacting and disputing Equifax Inc since XX/XX/2021 about a late payment that reporting inaccurate, the company did not conduct a reasonable investigation into the matter account name : XXXX ACCOUNT # XXXX Equifax Inc still reporting a late payment on credit report since XX/XX/2021 that wasn't corrected. According to the Fair Credit Reporting Act. 15 U.S. Code 1681c-1 ( a ) ( 3 ) ( 4 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.your role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding consumer dispute. When you contact the furnisher or vendor, you ask that they verify all of the information regarding the item disputed and report back within 30 days of the date that consumer received request. To help resolve the dispute, you Equifax Inc. shall review all relevant documents submitted with the dispute and will forward them to the furnisher if you are unable to resolve the issue. Equifax Inc shall review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, you find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. Equifax Inc able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After you complete the processing, as a Consumer reporting agency see ; 15 u.s code 1681i ( a ) ( 1 ) ( A ) you shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) im attaching all supporting documents such as bank statements to support my calm " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX  XXXX  XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXX '', '' XXXX '', '' '' " XX/XX/2021 ''
Complaint sub-issue: Can't use card to make purchases

I made a {$1000.00} payment to our discover account credit card over a week ago. Today, the account still doesn't have the proper balance updated along with the proper credit being updated. We have called the Discover Bank about 10 times in one day. Every time resulted in us getting hung up on mid way through the call. The representatives are very unprofessional. They are saying I won't be able to access the credit for the payment until another 8 days. This is ridiculous and doesn't make sense. They have already takened the money out of my account but won't confirm with the bank that my payment has already cleared so they can un-lift the available credit. Quite honestly Discover has taken my money and isn't acknowledging my credit for it. We are being dicked on side ways by this company and feels like we have no help. It appears I we will need to elevate the our concerns any way we need to get this issue resolved ASAP. We are also closing our account with discover afterwards and I am also looking into law suit possibilities. I want someone help accountable for this unprofessional act. I am not done with them yet.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent more than 5 letters to ERC and all 3 credit companies asking to remove a debit that is not mine. ERC has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says ERC has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had automatic bill pay and payments were accepted for the ( 60 ) day grace period but then after the grace period ended, the payments were no longer being accepted. I never received any correspondence alerting me about these changes. Once I saw the money was still credited to my account I realized what was happening. Upon further investigation I found out the account was sold to XXXX. I immediately contacted XXXX and made the ( 2 ) payments required to get the account back to current. XXXX was also going to defer the ( 2 ) payments so I would be caught up and also they told me they would waive the late fees because of the automatic payment confusion. However, they are still reporting rolling ( 30 ) day lates. I have attached a copy of the XXXX XXXX XXXX payment history for reference. This inaccurate reporting of lates is seriously harming my credit score and these line items need to updated to report NO late payments and report a current status. I have contacted the bureaus and XXXX to remove these lates however, I have not been successful.
Complaint sub-issue: Overcharged for something you did purchase with the card

Back in XXXX I rented a car from XXXX XXXX XXXX XXXX my total was XXXX with a deposit hold of XXXX as seen in the attached receipt. I returned the car as stated in the contract. However, the rental car company is trying to overcharge me XXXX and XXXX dollars in two separate transactions. When I called the rental car company they advised me to call my credit card company which is XXXX. I filled a dispute with them and they refuse to assist in getting the money from the merchant. I just want to be charged the stated amount in the receipt which is all I should owe.
Complaint sub-issue: Old information reappears or never goes away

I'm a XXXX year old female who has had credit since I was XXXX years old. I can't say that I haven't had any issues with credit, but overall, I'm not bad with credit. I pay my bills on time and if I've run into financial issues, I will work out something with my creditor. My problem is with the credit reporting agencies. I've experienced all negative reporting from them all the time. If I'm paying everything on time, my credit file will reflect old items from previous years. For example, I had 1 late payment on a vehicle, 4 years ago, with everything else on time, and my credit score, because of this 1 30 day late payment was in the 500s. To date, I've paid off 3 vehicles, 1 mortgage, have never had any issues with my student loans that I've been carry for 25 years, however, my score doesn't reflect any of this. I've experienced sexism from these agencies when my husband and I were trying to get approved for a mortgage. He had bankruptcies and repos, all kinds of bad debt ; however his score went up to over 700, mine never made it past low 600s. I know the industry is XXXX because I've seen other races with horrible credit history and scores that were very high. I guess my question is who's monitoring these agencies and their XXXX and sexist practices?
Complaint sub-issue: Their investigation did not fix an error on your report

I started XXXX XXXX  XXXX in XXXX XXXX, Oklahoma on XX/XX/2018. I was there until XX/XX/2018. During those 3 months I was hit with 6 marks on my credit score. Ive tried calling Mohela and they say theyre not able to take it off because its my fault I was gone and joined the military. In basic training you do not have access to the outside world for almost 3 months. There was no way for me to pay it. So now Im here at my duty station with a terrible credit score that cant get me any loan to get a vehicle I need to get around base. I am constantly asking for rides. My credit can not recover and I can not get a car without it being removed which they refuse to do.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously notified XXXX  thru the CFPB that I am a victim of identity theft, XXXX  responded that Fraudulent accounts were verified as accurate. I would like to know if a account is FRAUDULENT how is able to be verified. I stated that I am a victim of identity theft and I had nothing to do with the following listed on the FTC report
Complaint sub-issue: Their investigation did not fix an error on your report

According to my recent credit report request from XXXX, Equifax, and XXXX and there are several inaccurate account inquires on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires XXXX XXXX  notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification : XXXX XXXX XXXX XXXX Inquiry occurred twice without my permission and is fraud. 
Address XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX inquiry occurred twice without my permission and without my Identification. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX
Complaint sub-issue: No notice of investigation status/result

This has to do with EQUIFAX, In the past week Iv'e called Equifax at least 3 times now in regards to Credit Fraud ( INQUIRES ) on my credit report. Everytime I call there they keep transferring me to somebody different to talk to in the the Special Handling Department!!!!! to handle my complaint which still has n't been taken care of as of toDAY .... All 3 times EQUIFAX!!!!! said that THEY would do their investigation on my Fraud INQUIRES my investigations all XXXX would be closed out in a couple of days. ACCORDING TO THE ( FCRA ) SECTION 611. WHAT EQUIFAX DID TO ME IS ILLEGAL!!!!!! THE FCRA SECTION 611 STATES " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, CONDUCT A RESONONABLE INVESTIGATIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION INFORMATION IS ACCURATE AND RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDANCE WITH PARAGRAPH ( XXXX ), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECIEVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER ''. In other words, when you make a dispute, they EQUIFAX MUST!!!! investigate it free of charge within 30 days that 's 30 DAYS $ $ $ $ $ or delete the items. If they do n't have proof of their validation, they EQUIFAX have to FIX the problem ... ... ... ... .... 
FRAUD INQUIRES THAT NEED TO BE DELETED 1. XXXX BANK 2. XXXX XXXX XXXX 3. INFORMATIVE RESEARCH BANK OF CALIFORNIA XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX CU 6. XXXX XXXX CC ( XXXX ) 7. XXXX
Complaint sub-issue: Unexpected increase in interest rate

I have an XXXX XXXX card issued by XXXX, I had a credit Limit of XXXX In XX/XX/2020 I made 2 purchases totalling {$1800.00}, which pushed my balance up to {$5900.00}, I then received a letter they were lowering my Credit Limit to {$6100.00} ( decrease of {$3900.00} ) after contacting them they explained I was late on previous statements within the last 12 months, I understood. I have paid all my statements ON TIME since then and paid additional than minimum payment due each month. Today ( XX/XX/2020 ) I receive a letter they are raising my APR due to proportion of balance to credit limit is too high. Of course it is too high they lowered my Credit Limit 5 months ago. After contacting them they explained my credit score has dropped under XXXX. My complaint is, how do they get away during these unprecedented times ( COVID ) to take advantage of consumers who are not able to maintain there HIGH credit scores due to income and economy due to unforeseen impact?
Complaint sub-issue: Account status incorrect

There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XX/XX/XXXX. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted XXXX XXXX ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.
Complaint sub-issue: Information is not mine

I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have XXXX to remove these inquiries from my report.
Complaint sub-issue: Public record information inaccurate

i XXXX XXXX am disputing on my own with the help of no one. i have attached my ftc report and disputed please see attached evidence. It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.
Complaint sub-issue: Personal information incorrect

IC systems and XXXX has an account. I sent out dispute letters and I spoke to someone in that Dept. Asking to remove this account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, US Dept of EDXXXX Account # XXXX, US Dept of EDXXXX Account XXXX XXXX, US Dept of EDXXXX Account XXXX XXXX XXXX US Dept of EDXXXX 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: Investigation took more than 30 days

I filed a dispute pertaining to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Complaint sub-issue: Can't get other flexible options for repaying your loan

On the month of XXXX, I applied for Income Driven Based Repayment Loan. They received the status however, they said I am on the standard loan program for now. The only way I could get back on income driven loan repayment is By paying the full amount which XXXX dollars. I paid that amount on XX/XX/2019. Now, someone changed the dates of the application that I applied for income driven based loan repayment. I called Three times regarding if I am going to be on income driven based and I needed to see letter if I am on it.. til this  day..nothing has changed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed three ( 3 ) accounts with Equifax, XXXX and XXXX   on four ( 4 ) different occasions. Each of these accounts are false/inaccurate and each credit bureau has not corrected the issue.

1. XXXX 2. XXXX  XXXX 3. XXXX XXXX These are multiple violations of the fair credit reporting act.
Complaint sub-issue: Personal information

but I need to. there refusing to help me get this loan. to get heating unit.for my home because of credit score. 


XXXX XXXX XXXX XXXX XXXX TN XXXX