Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

About 5 years ago Equifax had my name mispelled and my birthday wrong. It took me multiple times to correct but it has happened again. It is happening because Equifax is using information provided from soft requests. They are getting companies that steal information online about me and use that information to get information about my credit using soft requests. I know this to be true because I use certain shortened versions and mispelled versions of my name on NON FINANCIAL sites that ask for the information for their records. Examples of these sites are XXXX, XXXX, XXXX and such. These are sites that have nothing to do with my financial records and are very susceptible to personal information being stolen. That same information again showed up on Equifax. I have again reported this to Equifax and am in the process of correcting it but since this is the second time it has happened I believe they need to be investigated. The collusion that happens between financial organizations and the big three credit reporting companies is hurting the average consumer. In the last 7 years I have one 30 day missed payment that was not my fault. It is showing up on one of the reporting agencies. That one wrong reported 30 day is costing me about XXXXpts on my score. The credit reporting companies make it near impossible to correct anything. For example ; if you do not have the correct birthday listed, you can not open a dispute online. It took me a few hours of reading and calling to finally find a phone number for disputes. The Consumer Protection agencies are not doing a good enough job making sure the consumer is protected. Please look into the fact that Equifax is somehow getting information from personal sites and using that information on its reporting. Thank you, XXXX XXXX XXXX
Complaint sub-issue: Contacted me after I asked not to

Being harassed for other people 's debts even after I informed OneMain Financial that they are calling the wrong person. Asked them to remove my phone number from their computer several months ago and they are still calling me asking for someone else and saying they are trying to collect money owed. Giving me a run around about removing my phone number from their computer Robo dialer months after was told it was to be removed.
Complaint sub-issue: Account information incorrect

This balance is highly inconsistent erroneous Harmful information displaying on credit report 3 different balances $ XXXX fraud $ XXXX fraud $ XXXX-fraud
Complaint sub-issue: Can't temporarily delay making payments

I got approve for borrower defense forbearance to delay my loan until 2023, however ECMC has refuse to remove default status on my loans, credit report and put my loan forbearance.
Complaint sub-issue: Information belongs to someone else

I noticed an item on my credit report that does not belong to me
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  XXXX  LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXXXXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX  shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Complaint sub-issue: Frequent or repeated calls

Company name hunter warfield amount attempted to collect is {$2000.00} dates appeared on credit agencies  XXXX   XXXX ,2017. Balance is invalid coming from a previous apartment complex that I moved out of and put in a 30 day notice due to someone repeating breaking into my home, called the police several times due to the break ins. I have spoken to the  landlord and was informed that the balance will be taken care of due to the circumstances of why I moved out. Hunter warfield continues to call me after I have explained that the situation has been taken care of and the rental company will be contacting them. They call everyday all day from different numbers. They are   XXXX   my life with the calls as if the break ins was n't enough  XXXX . Just want it to st op so I can move on.
Complaint sub-issue: Deposits and withdrawals

I recently opened an account a t US  Bank in  XXXX . I deposited a PAYROLL check for over {$900.00} at an ATM machine at a branch today the   XX/XX/XXXX , 2017.      My name is  XXXX   XXXX  The machine told me that my available funds were somewhere just over {$100.00} and that the rest would be available soon. I went and started to spend money on small things I needed for my night/week that were well under the allotted {$100.00}.     Eventually, later in the day, my debit card was  DECLINED  as I tried to buy dinner at a  XXXX   XXXX  in  XXXX . Further investigation showed that my account was now OVERDRAWN by over {$100.00}. Mystified, I calle d US Bank and th ey told me that a hold had been put on the check. I complained, over the phone to the completely resource-less bankers a t US Bank 's  Customer Service Department, that the check was a PAYROLL check and that I needed the money to survive for the next week. They informed me that the hold would be fo r 5 busi ness days which means I will have no access to my own money, from a PAYROLL check, for over a week.     This is unacceptable as I need basic things like food and transportation with my check ( I have never had to wait this long for a paycheck to clear in my life, nor have I ever had a hol d put on one  retroactively after I had already been given a small advance ).
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile. 

XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXXXXXX  Account Number : XXXX Please remove all late payments per the HEROES Act XXXX  Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXXL Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX If you can not provide the method of verification that shows I owe this exact dollar amount, please delete this entry. 

XXXX XXXX XXXX Account Number : XXXX If you can not provide the method of verification that shows I owe this exact dollar amount, please delete this entry. 

XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile. 

XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile.
Complaint sub-issue: Debt was result of identity theft

I am not sure how this Happened but I was a ID theft victim and I have send paper work to the bureaus showing that and they still will not remove from my reports The debts do not belong to me XXXX/XXXX  Equifax {$910.00} XXXX XXXX {$630.00} Act # XXXX XXXX  XXXX XXXX XX/XX/2018
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX, I contacted the Debt Collection Company by the name of ERC located XXXX XXXX XXXX, XXXX, FL XXXX, Acct # XXXX, asking that they send me verification of the debt that I supposedly owe for XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}, that 's appearing on the Credit Files. I stated that I do not recall the account, because I was believe I was XXXX at the time this account was open in XX/XX/XXXX, and would like verification of this amount, along with documents to support my signature of the Debt. As of XX/XX/XXXX, ERC has not responded. I also disputed the entry with the Credit Bureaus, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been verified as accurate. When I  contacted the Credit Bureaus by phone, and asked what information the company provided as verification ( such as contract with signature, name and bill or etc ) and was told I need to contact the creditor. Thank you XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX received a cease and desist concerning an account that was improperly and inaccurately reported and closed to my report to assist in harassing and stalking me. The accounts were removed on two different occasions after receiving correspondence concerning the cease and desist order from the attorney. They have begun to try and report it again without my knowledge again the cease and desist order. The accounts need to be removed again from all reports, and they are not authorized to do anything with my credit bureau reports for any reason. I dealt with their unethical business practices once before, and will never use their services again for any reason. My next action is to sue.
Complaint sub-issue: Account status incorrect

According to the credit bureaus, their data shows a mortgage of {$380000.00} with creditor name " XXXX XXXX '' on my property at XXXX XXXX XXXX XXXX CA XXXX, but I have no mortgages on any of my properties. Moreover, I have never dealt with XXXX XXXX at any time. I called them today and they confirmed they show no loan on the property, and no record of my SSN or my wife 's SSN ( we are joint tenants/community property owners ) in their records.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Complaint sub-issue: Account status incorrect

Equifax is reporting 1. All open accounts as closed 2. Incorrect account status on accounts 3. Reporting old accounts that are over the report time limit.

I have filed complaints and called but have been told that Iam looking at the wrong report but I see my credit Steadily dropping even with accounts I have paid off.
Complaint sub-issue: Frequent or repeated calls

They call almost every hour. I have received 12 calls starting at XXXX. It 's only XXXX. 8 hours!!
Complaint sub-issue: Information belongs to someone else

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$52.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$43000.00}
Complaint sub-issue: Information belongs to someone else

I have sent certified letters to the companies with no response and no proof of ownership it is against my rights and HIPPA law.
Complaint sub-issue: Account status incorrect

On this month, I reach out to XXXX XXXX  XXXX about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of XXXX working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.
Complaint sub-issue: Information belongs to someone else

I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is a counter-complaint to LexisNexis CFPB complaint XXXX XXXX XXXX XXXX InLexisNexis ' response they claim to not be a consumer reporting agency. And admittedly reports this information to the credit bureaus. I never gave LexisNexis permission to report anything to anyone and by law, they can not go and scrape my information from a public record and report it to a consumer reporting agency. On my credit report, it has the bankruptcy court as the furnisher NOT LEXISNEXIS so that is the violation by the credit bureaus and grounds for removal. LexisNexis is not a creditor on my credit report so they can not be used to report my information As for LexisNexis. I want them to delete any and all information that they have contained about me. Yes, they can view it in public records but they have no right to store my information anywhere without my consent. That is a violation of my privacy 1 5 U.S. Code 1 681 ( a ) ( 4 ). This serves as my warning of intent to use LexisNexis and the CRAs for fraudulently compiling information and reporting it.
Complaint sub-issue: Information belongs to someone else

I called Equifax on XX/XX/2019. I am a victim of identity theft, my identity was stolen years back. I called Equifax to dispute some fraudulent accounts that are on my credit report. There is also some Hard Inquiries that are fraudulent that I wanted to dispute. I was also notified by Equifax a year ago to inform me that my credit file was compromised due to a Breach in their system. When I was finally able to spoke to a representative about my disputes, she fused to verify my information and she would not take my disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax was asked to investigate an entry on my credit file. The results have continuously been that the entry has been verified with a third-party. I contacted the third-party ( XXXX XXXX ) and they stated that they could not validate this entry so therefore XXXX XXXX deleted the entry from their files. Equifax was sent a copy of the response that I received from XXXX XXXX several times. Entry was disputed again and the response was that Equifax verified the information through the court system. I contacted the court system listed and they stated that they do not verify this type of information. The court system response has been sent to Equifax as well. The last request that I had was for Equifax to send all documents that they had in their file that validated the entry on my report whether it be the court system or XXXX XXXX. The response that I recieved was that the entry had been validated yet again by a third-party ( XXXX XXXX ) but there were no related documents furnished to support this information.
Complaint sub-issue: Debt is not yours

Debt originally with XXXX at XXXX XXXX, my former apartment complex in XXXX XXXX, TX from XX/XX/XXXX to XX/XX/XXXX. Allegedly owed {$160.00} despite never being informed through any communication, either directly to me or to my submitted forwarding address that I provided before moving out.

It was not until XX/XX/XXXX that I was contacted by Carter-Young, a debt collection agency to whom XXXX at XXXX XXXX sold my alleged debt, with an itemized bill of charges. This amount was also already reported to XXXX in XX/XX/XXXX.

This is in direct violation of Texas Property Code 92.110 ( a ) which states that : " If a security deposit was not required by a residential lease and the tenant is liable for damages and charges on surrender of the premises, the landlord shall notify the tenant in writing of the landlord 's claim for damages and charges on or before the date the landlord reports the claim to a consumer reporting agency or third-party debt collector. '' Site : XXXX XXXX XXXX They sold my debt before I was ever informed of my alleged debt, and even reported it on my credit before doing so. I was never contacted directly by XXXX, only by Carter-Young in XX/XX/XXXX.

Because they violated Texas Property Code 91.110 ( a ), whatever debt I allegedly owed should be forfeit and therefore erased from my credit history. I can provide proof that a deposit was not required for my lease ( I wrongly believed I had given them one, so Carter-Young informed me by mail that this was incorrect ), and that my bill sent by Carter-Young is dated XX/XX/XXXX, 11 months after my lease termination.

I have attached the Carter-Young statement from XX/XX/XXXX and a photo of a letter sent from Carter-Young relaying a statement from XX/XX/XXXX indicating that there was no deposit required for my lease.
Complaint sub-issue: Was not notified of investigation status or results

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2020, I received a phone call from Jefferson Capital representative named XXXX regarding an attempt to collect on an alleged debt for an account they have labeled as XXXX. I indicated while in the call that this debt is not mine and that I need validation to provide me with evidence that I am the intended party. XXXX indicated that Jefferson Capital had evidence that I am the intended party such as my signature and would reply to my request. However, a week letter I received a letter from Jefferson Capital for a settlement offer instead of debt validation. This misrepresentation from Jefferson Capital is a direct violation of my rights under the Fair Credit Act, in which I am entitled to the documentation of debt responsibility when requested either verbally or via correspondence. Jefferson Capital has verified that this account XXXX is in fact mine to all three Credit Bureaus and to date have not provided me with the evidence that they have submitted to the credit bureaus when I made the request.
Complaint sub-issue: Investigation took more than 30 days

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Complaint sub-issue: Inadequate help over the phone

I went to the hospital with XXXX and they XXXX when I return home property management had had maintenance remove my front door because nobody answered it my family had paid the rent in full had been in contact with management so they knew I was in the hospital but they so rudely removed my door when rent was paid in full in a high-crime neighborhood XXXX I stay one night with my sister and became homeless because of this my rent was always paid in full on XX/XX/XXXX as I had Section XXXX housing Choice vouchers get paid a percentage of my rent as well as getting regular inspections of my unit the only remarks were the carpet was worn and it needed painting I had lived there 10 years without so much as even an air filter for my air conditioning I have requested on numerous occasions where I was promised they would bring one right down but it never came also Management on several instances tried to accuse me of not paying the rent but I had taken pictures of my money order receipts this was quickly explained that somebody was stealing from the night drop box when all along manager of property was XXXX. Now I had my grandmother 's antiques that had been appraised all family photos jewelry Electronics clothing everything was gone or damaged so badly it could not be used this is ludicrous if they would even say I owe them money when they are responsible for the door missing the apartments for shortly after condemned and leveled no one ever lived in that apartment after me and the apartment was never repaired this is XXXX XXXX attempt to balance their questionable bookkeeping habits I believe so in conclusion I just want this removed from my report so that I can get into a quality XXXX thank you for your time and consideration. God Bless.
Complaint sub-issue: Personal information incorrect

My address and phone number has changed. I let the company know but they have not updated it. I have attached the required identity documents.