Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

YES THIS PROBLEM HAS BEEN ONGOING WITH ME SINCE EQUIFAX BREACH MY PERSONAL INFORMATION TO THE WORLD AND THE DARK WEB. I HAVE BEEN IN A PURE AND UTTER DISTRUCTION TRYING TO GET MY REPORT BACK ON TRACK. BEFORE THE BREACH MY CREDIT SCORE WAS FAIR ACROSS THE XXXX COMPANYS. EVERY TIME I GET XXXX FRAUGLENT ACCOUNT OFF THE SAME DAY THEY PLACE ANOTHER XXXX ON. EVERY TIME I GET MY SCORE INTO THE FAIR ZONE THEY ADD A FRAUDLENT ACCOUNT. NOW THAT I HAVE GOTTEN ALL THE FRAUDLENT ACCOUNTS OFF.. MY SCORE HAS DROP BY XXXX POINTS WITH NO NEGATIVE CHANGES TO MY CREDIT FILE. WHEN FOR 2 MONTHS THE DEGROTORY ACCOUNT S WHERE ON MY FILE AS CLOSE ACCOUNTS NO REPORT STATUS. NOW THAT THEY HAVE BEEN REMOVED AND I HAVE XXXX ACCOUNT THAT ARE ALL IN GOOD STANDING. MY CREDIT SCORE HAS DROP XXXX POINTS WHEN I CALLED THEY COULD NOT SAY WHY. NOW I HAVE LESS ACCOUNT WITH THE OTHER CREDIT COMPANYS AND MY SCORE IS XXXX / FAIR
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX Home Mortgage has reported 4 late payments on my credit report to Equifax and XXXX. I have submitted a dispute to each of the credit bureau 's but the results came back the same. XXXX XXXX refuses to remove the late payments despite proof of payment for 2 of the 4 months reported as late. 

In XX/XX/XXXX I entered a forbearance program with XXXX XXXX. I was medically retired from XXXX XXXX and lost a substantial amount of income. I was to pay {$25.00} a month for 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Once I completed the payment plan, I was told that a new payment would be calculated to address my arrears and future payments. This would be determined based on income and the options were between a repayment plan or loan modification. 

In XX/XX/XXXX, I was instructed to complete a mortgage assistance application which provided details about my income. It was determined that I would pay my arrears and future payments through a repayment plan of almost {$2500.00} a month. I expressed concern because at the time I was attending school full-time and paying for tuition out of pocket. I submitted an appeal and was told to provide a new application with my education expenses included in the budget worksheet. Once submitted, it was determined that a loan modification would better fit my situation. 

I was then told that effective XX/XX/XXXX, I was to begin making 4 trail mortgage payments of {$1300.00}. I completed the trial mortgage payments in XX/XX/XXXX and my official loan modification documents were signed in XX/XX/XXXX. During the time I was in underwriting ( XXXX - XX/XX/XXXX ) and while I began my trial mortgage payments ( XXXX - XX/XX/XXXX ) XXXX XXXX reported my account late to the credit agencies. 

This has now prevented me from using my VA Home Loan benefit that I served nearly 15 years to earn. It has also prevented me from obtaining a home loan with other lenders and even XXXX XXXX, which is a complete slap in the face. In XX/XX/XXXX I asked my loan preservation specialist about the next steps in making full mortgage payments but was told not to worry as it would be calculated when the time came. At no point was I advised that during the underwriting process and while making trial mortgage payments that my account would be reported late to the credit bureaus. If I had known, I would have never entered any agreement with XXXX XXXX under their mortgage assistance program. 

I want this issue to be reconciled immediately so that I can obtain credit for a new home and so that other service members are not faced with the same situation. XXXX XXXX is impacting a VA benefit that many work hard for and at a high price.
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter Warfield INC has reported debt under my credit report that I was not notified about nor have knowledge of. 

I request that they provide me with the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 

XXXX. ) Swear under penalty of perjury you were present during the alleged debt.
Complaint sub-issue: Information belongs to someone else

There are several accounts reporting on my credit file that does not belong to me. Please assist me in getting these accounts removed from my credit file. 

Accounts reporting as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX 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 the following accounts have violated my rights. 

XXXX  XXXX  XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX has XXXX. This is re-aging my account and is illegal. 

XXXX XXXX XXXX delete this account for inaccuracy because payment history show on XX/XX/XXXX : XXXX On XXXX XXXX Charge Off XXXX On Time Set Financial XXXX delete this account because it is a Charge off but reporting a monthly payment. This is inaccurate. 

CB Indigo XXXX delete this account for inaccuracy because the payment history show XX/XX/XXXX : XXXX XXXX XXXX Charged Off XXXX On-Time XXXX  XXXX  XXXX delete account for inaccuracy because date of last activity is different on reports : XXXX XXXX XXXX XXXX. This is Re-aging my account and can not be on the report. 

Nation Credit Adjust XXXX Delete for payment inaccuracy because payment history show : XX/XX/XXXX XXXX XXXX XXXX Charged Off XXXX On Time. 

XXXX  XXXX  XXXX Delete for payment history inaccuracy due to payment history show : XX/XX/XXXX XXXX  On XXXX XXXX  Charge Off XXXX On XXXX XXXX XXXX XXXX Delete for payment history inaccuracy due to payment history show : XX/XX/XXXX XXXX On XXXX XXXX Charge Off XXXX On XXXX XXXX XXXX XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX has XXXX This is re-aging my account and is illegal. 

XXXX  XXXX XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX  has XXXX XXXX  has XXXX. This is re-aging my account and is illegal. 

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

XXXX  and Exquifax are reporting my Credit Score as XXXX and it should be 640. The reason for this error is they Dicriminate again XXXX Americans. If I was XXXX my Credit Score would be XXXX with the same information. XXXX  and Exquifax are used by XXXX XXXX  Companies to Discriminate against XXXX Americans. I want a Full investigation into this matter.
Complaint sub-issue: Old information reappears or never goes away

In   XXXX   in was subjected to fraud. I contacted my creditor ' ' s (   equifax,  XXXX  and  XXXX  ) to file a indentity theft and to get my accounts taking cared of. They did so in   XXXX   XXXX    XXXX  - {$470.00},   XXXX   XXXX  - {$1000.00}   XXXX   XXXX   {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX , equifax and  XXXX  to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in   XXXX   due to myself being subjected to fraud.   XXXX   stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts.  XXXX  and equifax stated they would submit another dispute, that 's was in   XXXX   XXXX   but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update these immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

XXXX XX/XX/2021 i sent a letter regaurding innaccurate and unknown informationon my report to this day over 60 days later I have not recieved a response yet. I feel like im being taking advantage of and being ignored of my disputes. Sec 611 ( a ) plainly states failure to investigate these items in 30 days gives a reason to immediately delete from my report. It has been over 60 days so they should be deleted immediately. I demand they be deleted immediately or I will file for litigation due to stress you caused me. My info may also have been affected by the equifax data breach and got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 XXXXXXXX, XXXX, XXXX, XXXX, XXXX - XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2020 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have completed 2 rounds of disputes for this particular reporting with no action by XXXX. I am also requesting an investigation into the, third party reporter, Lexis Nexis as they are supplying this erroneous information to the bureau. It is their responsibility to make sure they are reporting correct information and they are not. I am disputing a dismissed XXXX  XXXX bankruptcy that is showing on my report only on XXXX. This reporting is attached to a case with a social security number that is not mine. I sent a letter certified with delivery confirmation to XXXX and they received it on XX/XX/2022. They responded to the dispute on XX/XX/2022 and stated that it has been confirmed via a third party reporter, Lexis Nexus, and made no deletion of this erroneous information. Please mandate XXXX and Lexis Nexis to stop reporting this erroneous information on my credit report. Thank you in advance for your assistance.
Complaint sub-issue: Other problem

Discover Card contacted me on XX/XX/2020 to inform me they needed to obtain my tax returns along with other personal info to verify my information, they would not tell me why. I called them back and all they said was just sign the release with XXXX IRS form 4506-T. I refused and closed both of my accounts because if i had not they were going to close my accounts instead. I feel like this is unfair practices against me.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Complaint sub-issue: Account information incorrect

I have disputed the information with Equifax over 30 days ago. I also disputed with XXXX and the information was not able to be verified and was removed and update. Equifax fail to do the same. I am attaching my XXXX report. Please have Equifax to update the records to reflect the accurate information that XXXX has within 30 days.
Complaint sub-issue: Information belongs to someone else

i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.
Complaint sub-issue: Attempted to collect wrong amount

I have asked them multiple times to evaluate the debt owed. 
The debt owed does not match the original court complaint or the judgment. In fact there is no Judgment. 

Broken leases happen all the time due to unforeseen circumstances. In our case, we are members of the LGBT community and we were discriminated against, with our previous landlord. Upon receiving a Court complaint we spoke with the landlord 's attorney and we moved out prior to the Court system entering an eviction. 

Both the attorney, the landlord and the court system over step their boundaries. As a previous court employee the court prevented me from presenting my case resulting in a removal. However we did advise the attorney and the landlord we were not there we moved out of state. As a result of it, months later Hunter Warfield Inc comes collecting a wrongful amount based on the landlord s statement. The landlord is not entitled to such a high amount that has prevented me from acquiring rentals, resulted in being homeless and more. 

I am demanding an investigation of this company for violations of FDCPA rules. 
I am also demanding an investigation against XXXX XXXX, XXXX FL under XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account XXXX XXXX XXXX  XXXX
Complaint sub-issue: Old information reappears or never goes away

I have disputed XXXX XXXX XXXX several times on my credit reports. It continues to be removed and shows back up. I have written letters and done online disputes and it still continues to be deleted then reappears. The first deletion was in XXXX 2017 and the second deletion was in XXXX 2017. I have not received any signed verifiable documentation as I have requested several times.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I called ProCollect Incorporated @ XXXX on XX/XX/XXXX responding to a notice to collect a balance of {$100.00}. The notice was dated on XX/XX/2022 stating that I can write or call them by XX/XX/2022. Which is today 's date, I called and spoke to a man who identified himself as XXXX XXXX. I advised him that I am disputing this debt because I don't owe it and I don't know why there is a balance. He told me that it does matter what I say, if even I call to dispute that doesn't mean anything and that the burden of proof is on me as the consumer to give proof that I don't owe balance. The letter that from this collection agency clearly states that " we must stop collection on any amount you dispute until we send you the information that shows you owe the debt. XXXX XXXX said I can call all day long but I need to send proof that I don't owe this. XXXX XXXX said that the client said that the balance is for a bag of trash and damages. I am requesting proof of these debt as I am entitled to instead I am being denied this is a clear violation of my protected rights under FDCPA.
Complaint sub-issue: Debt was paid

I owed Hunter warfield inc {$10000.00}. I paid and settle the debt for {$7100.00} on XX/XX/2019. The debit is actively still showing in collections as UNPAID on my credit report. I have asked the company to remove that information for over a year now and they said they would but have not. I want at inaccurate information removed from my credit report.
Complaint sub-issue: Debt was paid

Credit card account was placed for collections. A civil action was filed in XXXX XXXX XXXX XXXX. A settlement agreement was reached for {$750.00} with payments scheduled to be made on XXXX XXXX, 2016 and XXXX XXXX, 2016. Pursuant the agreement after payments were received the Debt Collector, XXXX XXXX, agreed to dismiss the case. Payments were made however XXXX XXXX failed to dismiss the case resulting in a judgment being entered in their favor. I promptly called and advised XXXX XXXX of the blemish that was now being reported on my credit report as a public record. I was advised that an attorney for the company had made notations indicating the settlement was completed. I was told I would receive a copy of the settlement satisfaction letter. To date, no such letter has been received. I filed a pro se motion to vacate the judgement and served a copy to portfolio. The matter has now been set for a hearing on XXXX XXXX, 2016. XXXX has breached it 's own settlement agreement to my detriment.
Complaint sub-issue: Information belongs to someone else

There are 2 issues first of all I have contacted Equifax on 3 separate occasions via certified mail informing them that I have never lived at XXXX XXXX XXXX XXXX pa XXXX. They send me back a report stating they removed it but when I logged into my account it still shows up on my credit file. 
the second issue is that i have several inquiries on my credit file that I never authorized I have tried to contact all 3 credit bureaus but get the run around get them removed i never authorized these and i have a ftc identity theft report showing iam victim of identity theft.
Complaint sub-issue: Problem with customer service

I was told by my loan provider, FedLoan Servicing, that the payments I made on my loans during the Covid pandemic were eligible to be refunded. I requested a refund on XX/XX/2022, to help out with my finances. Fedloan said that it would take around 10-12 weeks. In about that time frame, the amount I paid on my student loans during the pandemic ( XXXX ) was added back to my loan balance but I have yet to receive the refund ( its been over 6 months ). I have called repeatedly since then asking why I havent received the refund and have basically been told a different thing every time I call. My loans have now been transferred to XXXX and Fedloan will no longer exist after XXXX. I asked repeatedly for documents detailing what I am owed and never received them from XXXX. I am so worried that I have just added XXXX to my loans that Ive already paid. I really need my refund, and Im at a loss for what to do.
Complaint sub-issue: Information belongs to someone else

I filed a complaint with the FTC and a police report for identity theft and sent it to Equifax along with the acct from the ID theft and a copy of my Id and social. 
XXXX XXXX  XXXX and required by law it must be removed and it hasnt been.
Complaint sub-issue: Attempted to/Collected exempt funds

I am writing describing Kohn Law Firm, SC in XXXX, WI. 
I am a single parent ( with a degree mind you ) ... on state assistance for my son and myself. Due to the economy and low wages, I have to work XXXX part-time jobs and gone from my family 14 hours per day, I am still in the poverty line and receive state insurance and up until a month or two ago, food stamps. 
After repeated harassing calls ( leaving me crying with their rude put-downs ), I asked if they would settle with me and if I could make affordable payments. They firmly let me know that it is too late for that. I also asked if they would please give detailed charges of the actual bill as that I am not sure that I owe that amount. They said that it is too late for that! They were rude and had me crying on the phone several times until I mentioned the Fair Debt Collection Act. 
I filed and faxed Kohn Law Firm 's exemption form garnishment form. ( I talked on the phone to them about receiving this form as they kept it from my knowledge though another debt collector offered it, and exempted me from garnishment ). 
After explaining this, Kohn Law Firm finally agreed and mailed me the garnishment exemption form.I filled it out, faxed in my state assistance proof to Kohn Law Firm and gave a copy to my employer as well. This legally should have released or exempted me from garnishment. However, Kohn Law Firm proceeded to garnish my wages anyway. This is illegal as I am on state assistance. 
Working XXXX part-time jobs as a single parent, I am unable to now provide enough income to support my family. I looked into the history of Kohn Law firm and their illegal practices. They have repeatedly violated the Fair Debt Collection Act. Please help meas I have to borrow money from XXXX just to feed my children.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # xxxx, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, 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.