Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

On XX/XX/2021, i sent a dispute letter to the consumer reporting agency disputing an alleged debt by Jefferson Capital Systems. On XX/XX/2021 ( not within the 5 days 15 US code 1692g gives which is a violation ) i received a letter from Attorney at law XXXX XXXX stating that this is an attempt to collect a debt. After the consumer reporting agency failed to remove my dispute and stated the debt was verified i begun to research what verification methods were used to verify the alleged debt. Congress states the natural person has to verify a debt. Congress also states that in order to verify any debt interviews must be taken with family or neighbors, nothing on the list of validation has taken place therefore this alleged debt has not been verified. Pursuant 15 USC 1681b ( 2 ) permissible purpose which i have not given a written consent to furnish. On XX/XX/2021 i sent a letter regarding debt being alleged and that contacting myself via mail is a violation because you were never given consent. Since this charge off has been placed on my consumer report i have suffered living arrangement damages. As a consumer and natural person im aware my what my social security card and my birth certificate is. Jefferson Captial Systems has held an allege debt of {$3100.00} on my consumer report for atleast 4 months.
Complaint sub-issue: Didn't receive enough information to verify debt

In XXXX of XXXX, I placed a FOIA request for specific information concerning student loans that was sent to the Dept of Education. The Dept of Education failed to provide all the information requested at that time so I placed a 2nd FOIA request in XX/XX/XXXX and outlined information I would like to be provided concerning student loan debt along with additional information. 

Included in my request were items as listed 1. Offer 2. Acceptance 3. Consideration 4. Mutuality of Obligation 5. Competence and Capacity 6. Written Instrument I also requested from The Dept of Education servicer information 1. Assignment information 2. Terms and conditions 3. Borrower Acknowledgment Which is Federal laws and State laws for my state of TN. 

I also requested I be provided any securitization information ( XXXX  ; Hedge Funds etc ... ) Additional request : Original paperwork Chain of title Assignments ( Please see email attachments ). 

I requested all the information provided notarized by of individuals who can testify under oath and utilized in a court of law. 

As of todays date, XX/XX/XXXX, I have not received any of the requested information. Fedloans, who has only stated they are servicing the loans, without the requested paperwork from ( Dept of Education ) or anything provided by Fedloans, or following Federal or State law requirements and in violation of TCPA ( Tenn Consumer Protection Act ). 

I applied for a Deferred/Forbearance of any loans Fedloans stated they have in their records.in XX/XX/XXXX. They took those loans out of deferrment/Forebearance the next month XX/XX/XXXX and have been trying to collecting over {$100000.00}. 

Licenses are also required to come into the State of TN. 

Please review : No. 19-2116 IN THE UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT Commonwealth of Pennsylvania, Plaintiff-Appellee, v.

Navient Corp., and Navient Solutions LLC, Defendants-Appellants. 
On Appeal from the United States District Court Court for the Middle District of Pennsylvania Hon. Robert D. Mariani Case No. 3:17-cv-01814-RDM
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

These accounts are fraudulent : XXXX XXXX {$190.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX 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
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 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : It also 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 any purposes.
Complaint sub-issue: Report improperly shared by CRC

We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, Equifax, and XXXX in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.
Complaint sub-issue: Debt was result of identity theft

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. I have advised this company that this debt is not owed, however, they continue to place this on my credit report for the second time. I have shown proof of such, which was ignored. The address this company has on file for me is not mine and I've never lived there. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Complaint sub-issue: Didn't receive enough information to verify debt

I received an email from TrueAccord on XX/XX/2018 about a XXXX account that they wanted me to pay. I replied back on XX/XX/2018 and I asked them to please Verify the alleged debt and they sent me some sort of billing statement on XX/XX/2018 instead. Can you please look into this for me? This does not verify anything.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/18 I inquired about information relating to the home buying process. I provided my name, email, and telephone number to XXXX XXXX. At XXXX on XX/XX/18 I received a call from XXXX XXXX associated with XXXX XXXX on a recorded line. 

I was asked if I wanted to give permission to do a hard inquiry on my credit report and I replied that I did not give permission for that, and I am not interested in continuing the process as I was just looking for information. 

On XX/XX/18 a hard inquiry was added to my credit report by Credco. On XX/XX/18 I contacted XXXX XXXX with XXXX XXXX via email at XXXX stating I would be filing a complaint due to a hard inquiry done without permission and my specific instructions not to do so. I received no response. I am awaiting a response from XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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}
Complaint sub-issue: Account status incorrect

Equifax is reporting my car loan as " Closed '' and the incorrect balance. I have tried disputing this information 3 times and every time, they never change it and then report a higher balance than what it actually is. This is a car loan that was briefly repossessed but then reclaimed within a week. The other 2 bureaus report it correctly as an open installment loan but Equifax is reporting it as a closed account which it is not. It is open and I am actively making my regular payment on it. It is affecting my credit score and is incorrect.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX, XXXXXXXX XXXX Charged Off my credit card balance after I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXXXXXX of which they filed an IRS 1099 C that I submitted with taxes. On XX/XX/XXXX, Equifax reported the XXXXXXXX XXXX charged off as new on my credit report without my knowledge which causing my student loans to be denied by XXXX XXXX XXXX XXXX US Department of Education. I spoke with Equifax twice about the error and their investigation showed no error on their part and blamed XXXXXXXX XXXX for the error. I talked with XXXXXXXX XXXX twice and both times they claim there was no error in the way they report charge off on my account, other than I was still delinquent in payments even though it was filed as a IRS 1099 C. 

I did not know of the of the XX/XX/XXXX Equifax-XXXX Reporting error until XX/XX/XXXX when I filed for the XXXX XXXX XXXX XXXX XXXX. It also did not show on my XXXX XXXX account until after my student loan was denied. This caused my credit rating to drop about 10 pts on both Equifax and XXXX XXXX. XXXX XXXX did not show any new charge off on my credit report account with them. I appealed the denial of my federal student loan with XXXX XXXX XXXX and on XX/XX/XXXX after submitting documentation, my appeal was approved. 

Equifax also required me to subscribe to their upgraded service to review the reporting issue and would not send any documentation to me on whether the reporting issue was fixed. I had to wait until the month of XXXX in order to find out that my credit report had been corrected or not. Both Equifax representative would not divulge any information about there investigations into my account that was completed in one day and not corrected. 

This Equifax reporting error has caused financial emotional harm and jeopardized my XXXX XXXX in XXXX XXXX and Policy at XXXXXXXX XXXX. Equifax outward attitude of denying problems affecting people 's credit report is appalling and I am sure it is more widespread than they claim.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing this acima account because it is not me the address they have does not match mines. I also disputed XXXX XXXX XXXX and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several of closely dates hard inquiries from the same company. One authorization while looking for a mortgage rate does not authorize multiple hard inquiries. It seems as if they are malicious after the loan agent stopped contacting me after the pull. Additionally, once I did secure a loan company/agent, this looks to be malicious.
Complaint sub-issue: Need information about your loan balance or loan terms

I requested a refund on XX/XX/XXXX under the CARES act and was quoted 4-6 weeks for the refund to be sent back to me. I called last week ( XX/XX/XXXX ) and was given zero extra info besides that there was a remark about the refund being filed. I have also sent an email requesting info and have gotten nothing. In two days will mark 6 weeks without any updates or movement. I was told to receive an email with an update when my refund was accepted but haven't even gotten that.
Complaint sub-issue: Received bad information about my loan

I have reviewed my credit reports with XXXX, XXXX & XXXX and the reporting that Fed Loan continues to report has stalled my approval to purchase a home. Fed loan is reporting that my loan was opened in XX/XX/XXXX in which it was not. The original creditor is reporting an entirely different month. Fed loan is also reporting an incorrect XXXX date of delinquency. I have made several attempts to have these incorrect reporting updated or deleted but to no avail except for the deletion of XXXX of the amounts they have been reporting. This account has been closed for quite some time and I 'd like to see that the inaccuracies removed from my personal credit reports because they are extremely incorrect. How can they continue to report this {$4200.00} & XXXX debt on my reports incorrectly! This loan was originated from an institution that I attended and again, the date the loan originated is NOT XX/XX/XXXX. XXXX expressed in her mailer to me that by law they are to report accurate information to the credit bureaus and unfortunately, Fed XXXX is not abiding by this law as they continue to report erroneous information on all XXXX of my credit reports. This loan was originated in XX/XX/XXXX but prior to XX/XX/XXXX. I am requesting that I be provided with the signed promissory note that reflects the date that they are reporting. Per the XXXX, which is the XXXX and only accurate reporting agency for this loan, the date they 're reporting is incorrect. Furthermore, the payment history being reported reflects that the XXXX date of delinquency is XX/XX/XXXX on Experian, XX/XX/XXXX on Equifax & on TransUnion XX/XX/XXXX. Well which XXXX is it really!? How can this be accurate if it 's all different? I am requesting that these reporting 's be deleted or updated to reflect the correct loan details per the XXXX under the Fair Credit Reporting Act immediately.
Complaint sub-issue: Debt was paid

A company called Bay Area Credit service has called me on 2 occasions. First from ( XXXX ) XXXX on XX/XX/XXXX XXXX. The second from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX. Then today, XX/XX/XXXX i received a letter listing XXXX XXXX XXXX XXXX as a creditor in the amount of {$1500.00}. 
The day i received the first call i contacted XXXX XXXX XXXX XXXX and verified i hadnt defaulted on any bills. Additionally i have a credit card receipt in the amount of {$1500.00} on XX/XX/XXXX. 
After the second call i explained i had no debts and if they contacted me again i would file a complaint.
Complaint sub-issue: Information belongs to someone else

Equifax is refusing to block inaccurate accounts on my consumer report, I attached the identity theft report along with the letter I gave received from Equifax stating they are NOT going to block any accounts instead will reach out to the company.
Complaint sub-issue: Information belongs to someone else

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Complaint sub-issue: Debt was paid

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Complaint sub-issue: Card was charged for something you did not purchase with the card

1. On XX/XX/XXXX I applied for credit with Brand Source furniture co. and was approved, charged a table and chairs, and paid it off in a year. 
2, On XX/XX/XXXX someone charged some bedroom furniture to my account ( the amount is {$1100.00} ) I have no idea how they got the account no. ( first account ). I called customer service and they said it was fraud, I said yes close this account, but they didn't they sent me a another card ( second account ). The Brand Source security operations investigated and they said I am responsible and should pay the above amount. 
I called and a person named XXXX told me the address the furniture was delivered to and it's not my address. So I called Brand Source Security and told them this, so they asked me to send them a copy of my driver 's license and I did. But they never called or write to let me know they received it. 
3.They hired a collection agency XXXX XXXX  to try to make me pay for something I did not purchase. And oh, the letter XXXX  sent me has a different account no,, that's 3 account nos. and they never sent me this new card, I don't have it. So, this is very frustrating
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXXXXX/Equifax/XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX Balance : {$550.00}
Complaint sub-issue: Problem using a debit or ATM card

I filed my taxes on Credit Karma This year. Credit Karma offers to speed up the time of your refund if you allow them to open a Credit karma Visa card Issued by XXXX XXXX. I trusted Credit Karma, it is a Visa debit card and I also trust XXXX. So I allowed my refund of {$4800.00} to be deposited into this account. I received the card and used it for the first time on XX/XX/XXXX at XXXX in XXXX XXXX Florida for the amount of {$240.00}. I only used the card one other time on XX/XX/XXXX at a restaurant named XXXX, also in XXXX XXXX Florida in the amount of {$60.00}. I tried to use my card a few Days Later at a XXXX in XXXX XXXX Florida and the card was denied. I thought that was odd So I checked the cards status when I got home only to see that the card was bled dry by a bunch charges in Illinois and Wisconsin. I never lost the card, nor et any on have it nor gave anyone permission to use the card. These charges were totally foreign to me so I called the number on the back of the card ( XXXX ) to file a dispute. Maybe 2 days later I received an email on XX/XX/XXXX Stating that there was an update to the dispute I had made. I clicked the link which brought me to the Credit Karma website where it showed my negative card balance and a link to a PDF which I will attach. On the PDF is shows all the disputed transactions and a note at the bottom that more or less said that I authorized those purchases and therefore my claim was denied. It wasn't until that time the I realized the one of the charges on the was one I had made and was accidentally included in the dispute. That was the charge to XXXX restaurant on XX/XX/XXXX for {$60.00}. But the vast majority ( {$4500.00} ) was still fraudulent and stolen from me. They also stated the I have a right to any copies of the documentation they used to come to that conclusion and give a customer service number to call. I called the number to receive that information. I was a call center in the XXXX and the person I spoke to had nothing to tell me other than I will receive a letter in the mail which will have instructions as to how I can appeal the decision. There's no way they have any documentation of me giving permissions to use my card unless that document is also fraudulent. I would like to see that information.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, inquiries, and there is a name thats not mine. Please remove them immediately.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX XXXX XXXX XXXX put a levy against my bank account without serving me on the suit. I was never once contacted by them, even though they claim the attempted to serve me multiple times. I travel for work and between that and other obligations I am rarely home. They claimed I received the papers on XX/XX/XXXX but I never once spoke to a person, received notice or even mail from them. 

They have frozen the funds in my bank account ( {$1900.00} ) all of the money I have to pay my bills and live. 

They email they had given me is returning as blocked, when I was trying to reach out to the company to provide all the documentation and paperwork.
Complaint sub-issue: Information belongs to someone else

I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.