Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

Original notice was given on XX/XX/2021 from Hunter Warfield regarding intent to collect on debt. 

A certified letter was sent on XX/XX/2021 to Hunter Warfield disputing the collection attempt and requesting further verification of the described debt pursuant to 808b of the Fair Debt Collection Practices Act. Return receipt indicates this letter was received on XX/XX/2021. 

From initial communication onwards there was no communication from Hunter Warfield regarding the debt or request to verify the debt. 

On XX/XX/2021 a notification was sent from XXXX  regarding a collections account reflecting on my credit report. In clear violation of the dispute process outlined in 808b, Hunter Warfield reported said debt to XXXX  and caused significant harm to my credit without providing the proper requested verification.
Complaint sub-issue: Debt was paid

This debt is already being settled with a debt relief program and the issue is a matter of the company setting
Complaint sub-issue: Account status incorrect

I went onto my XXXX on my account and I am see a lot of inaccurate information on my report that needs to be removed due to the fact that it is hurting my score. 

XX/XX/2021 Flagged for 119 days past due XX/XX/2021 Flagged for collections XX/XX/2021 Flagged for not more than 2 payments past due
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Conn Credit Corporation was included in a Chapter XXXX converted to a Chapter XXXX Bankruptcy. There are 2 accounts reflecting on my credit file and had been removed and the account has now been placed back onto my credit file causing me undue hardships with COVID19. I have written to them numerous times that they are reporting incorrect information and they can not collect on accounts that have been included in a Chapter XXXX Bankruptcy. They have continuously contact me on my cell phone and at my employment when they have been informed numerous times to cease and desist.
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 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: Information belongs to someone else

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 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 XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I have 2 complaints regarding Conn 's. My first complaint, is repeated phone calls starting the day my account is due through date payment is made. I may receive 10 calls, if not more in one day. I try to answer them all, and when I do there is no one on the line. I have asked the to call, leave a message and I will call back as soon as I can. However I have been told that its an automated system and there is nothing that can be done to limit calls. I am in the process of getting my call records to determine exact number of time they call me. 

Second complaint, I have a defective product I purchased. I have repeatedly asked about my options, it was not until a few days before my warranty expired they finally sent someone out to look. The repair person did not find anything wrong but " reinforced structure '' He also explained because of the type of sofa it would sink in the middle and told me to call customer service back if I was not satisfied. After being transferred back and forth, given wrong information and being persistent, now they are sending someone else out or my other option is to do a voluntary repossession, but still make the payment. I bought the sofa, for my daughter as a gift, a single person that works a full time job and is also a XXXX, and is rarely at home, so the sofa does not have a lot of wear and tear.
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/2020 and XX/XX/2020, Avante USA, XXXX XXXX XXXX XXXX, called my father twice about my debt. They already have my address and phone number on file. I have not received written notification about my debt from the either. I am only aware of them because of these two calls to my father.
Complaint sub-issue: Debt was result of identity theft

The Accounts are saying that it's the U.S. Department of Education reporting but there are other companies reporting of the bureau which is fraud. I've been asking for a lawful contract with wet signatures from both parties and a proper bill and record of accounting to assess any damages if there are any. instead my rights are being violated and damaged. defamation of character, identity fraud and more. I am getting reports from CRA 's with different addresses that I've written to all of the concerning this matter and most of them are returned or are being answered by other companies. GREAT LAKES HIGHER EDUCATION CORPORATION AND AFFILIATES wrote saying they had " uncontested wet ink documents '' and also said they sold information or sent information to another servicer fraudulently. I've never seen a signed wet ink contract with them.
Complaint sub-issue: Reporting company used your report improperly

Explained to XXXX through several disputes online and by mail, last sent XX/XX/2022 that many derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099c to recoup any finances. Thus indicating their removal from my profile. Also indicated that neither XXXX nor XXXX XXXX XXXX, Debt Co LLC, and XXXX XXXX which all identify as charge-off accounts. XXXX was also notified about the fraudulent use of my name in various ways, addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. XXXX has fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life.
Complaint sub-issue: Their investigation did not fix an error on your report

Exhibit " E '' will show the results of Equifax answer to a dispute. It shows that there were multiple accounts with XXXX being disputed. Only one was being disputed ( Please see Exhibit " A '' as to the correct disputed account a certified copy of an unsigned note by XXXX ). They removed the wrong account ( please see Exhibit " D '' for the account that was not suppose to be removed, but was done so - I did not file a dispute for this account ). Furthermore, the ONLY account that was disputed and should have been the only one removed from my report was the invalid account ( Please see Exhibit " B '' and Exhibit " C '' unsigned note as well as an altered note by XXXX showing an owner that has never been known to me and letter asking that we sign liability for this invalid loan on a vehicle that someone unknown to us owns ). Please correct this mistake by removing the correctly disputed account.
Complaint sub-issue: Information belongs to someone else

data breach ftc sent inaccurate information must be removed by CRA laws Equifax XXXX and XXXX does not want to comply with LAW inaccurate information that can't be corrected must be removed CRA
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX noticed a couple of accounts that does not belong to me and the addresses these accounts are linked to are also not mines.I contacted these creditors multiple times and these incorrect items are still on my report.I file an identity theft report stating that I was a victim of identity theft.I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. Also there were a name brench posted on my report also attached.the accounts are 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: Information belongs to someone else

I am writing this letter simply to remove information being reported to my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that you remove thern to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Complaint sub-issue: Investigation took more than 30 days

US BANK responding to what they indicate about the delays, I was under the deferment and the extra charges created the whole problem, never claim that this is not my account but that the reports are incorrect because there can be no delay and less charge off if I I am an essential worker and that is why I asked for it
Complaint sub-issue: Debt is not yours

XX/XX/2018 I sentva debt validation letter to the company asking them to validate the stated debt, that is not owed to send me original signatures and items used to validate the debt not verify or the company will be in violation of the FCRA Buy reporting in In accuracies on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX, account # XXXX and # XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602 A status, 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: Information belongs to someone else

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Information belongs to someone else

ATTN Fraud Department : Remove fraudulent accounts from my credit report
Complaint sub-issue: Other problem getting your report or credit score

I have made multiple phone calls to your company and spoke with many managers that which who have all stated that there is no credit history on file. The bank which I opened a secure credit card shows a {$170.00} unpaid medical bill. I faxed all of that information to your company. When I called twice regarding some confirmation if your company received the fax both representatives stated that nothing was received. My personal banker who opened my secure credit card also called the business company line to your bureaus and a representative stated that there is no credit history. This is very strange when I have a line of credit, and I am not even able to dispute the {$170.00} unpaid medical bill that was from XXXX  and I became a new XXXX  of the U.S.A. in XXXX. This is a mess, and needs to be fixed and your credit bureau agents and managers I have been in contact with are uneducated on what to do in the situation and are complete unprofessional. I grantee I am not the only person that has had this issue before. It is very odd. There must be a solution to this problem.
Complaint sub-issue: Deposits and withdrawals

Do United States treasury department on behalf oXXXX social Security deposited my check on XX/XX/2022. They refuse to disperse my funds as has been done the 12 years I have been on disability and they are keeping the money to either make money off of holding it in interest or something because their operators are all telling me different stories, one of them told me it would be available by XXXX XXXX today ( XX/XX/2022 ) and another one told me something else, another one told me something else.and someone on XXXX told me one thing and someone else on XXXX told me into it so theyre all lying and theyre keeping my Social Security XXXX not giving it to me on time even though its in their system and its already been paid by the treasury and theyre lying to me about where it is and now theyre trying to tell me theyre going to keep it longer. I have never received it this late in 12 years never. I can not pay my bills I can not get my medication I can not eat they are keeping me from life-saving medication as we speak I am in bed unable to function. I always receive my Social Security by the XXXX at the latest they received it on the XXXX and they are keeping it for their own gains while I lie here XXXX and suffering with no medication
Complaint sub-issue: Account terms

I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as 1 inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX XXXX Bank XXXX, RI the XXXX I used ), XXXX Bank, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.
Complaint sub-issue: Their investigation did not fix an error on your report

THIS IS NOT A DUPLICATE COMPLAINT AND NEEDS TO BE READ!

Wednesday, XX/XX/XXXX

ALSO SENT VIA CERTIFIED U.S. MAIL
RETURN RECEIPT REQUESTED


LexisNexis
Consumer Service Center
XXXX XXXX XXXX
XXXX, GA. XXXX

Re: Acct # XXXX
      
REQUESTING IMMEDIATE REMOVAL OF BANKRUPTCY.


To whom it may concern,

I have recently made several requests via certified mail and online complaint’s to LexisNexis, XXXX  & the Consumer Protection Bureau to remove a bankruptcy from LexisNexis & XXXX. In my last complaint to the consumer protection bureau I stated the following:

“According to the Fair Credit Reporting Act (FCRA) a Chapter XXXX bankruptcy “CAN” remain on your credit history for “up to 10-years” from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some “KEY PHRASES” in that statement that need to be clarified:
1.	"Can" - The FCRA does not require that a bankruptcy remains on your credit report a full decade.
2.	"Up to" - Again, 10 years is “not a legal minimum, it is the maximum.” So, legally, bankruptcy can be removed from a credit report before that limit is reached. As I expressed before I am attempting to apply for a mortgage and this is having an impact on obtaining a fair interest rate.
3.	XXXX  and XXXX  have both removed this several months ago upon request.

Therefore, I am requesting that LexisNexis follow suit as XXXX  & XXXX  have done and removed this from my credit history.  This negative bankruptcy is due to be removed in XX/XX/XXXX just a couple of months away. I would like to close my home loan with an affordable interest rate before then.
I would, therefore, request that you please do not send me a template letter in response to this request and expect to receive a response within 10 days of receipt of this letter and expect to see the item in question permanently expunged from my record.
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully,


XXXX XXXX XXXX


CC: XXXX XXXX XXXX XXXX
      XXXX XXXX XXXX XXXX      XXXX, MI. XXXX
      XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated or corrected as soon as possible. 
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: Their investigation did not fix an error on your report

I have used XXXX XX/XX/XXXX XXXX XXXX to file my federal and state income tax for several years This year, XXXX XXXX offered free services with Credit Karma for the purpose of monitoring my credit reports. I decided to sign up for an account, using my email address, XXXX. This has been my business email address since 1997, and is associated with my XX/XX/XXXX at XXXX. I attempted to set up an account using that address, but Credit Karma responded that an account was already established under that email address. I thought I had perhaps set up one previously, so I clicked on the " forgot password '' link. A reset link was sent by Credit Karma to XXXX, with the salutation on the email being " Hello XXXX. '' I have no idea who XXXX is. I tried to reset the password. Year of birth and last four digits of my social security number were required, but when I attempted to reset the password, the program replied that someone else had already established an account using my email address. I immediately contacted Credit Karma, but was told that if I wanted to create an account, I would have to use another email address. I told them that the address already in use was mine, and that I had never authorized anyone else to use it. The response was the same -- that I would have to set up a new account using a different email address. I want to make it clear that this email address belongs to me, and if someone else is using it, they have stolen my identity, and Credit Karma is complicit with this theft.
Complaint sub-issue: Reporting company used your report improperly

A company called, Sage Stream, ( who I have never heard of before as they are not one of the major reporting credit bureaus ) sent me letter ( failing to put the proper address on it ) claiming I requested a security freeze on my consumer file.

How can I request anything for a company that I never heard of before today? Why would I provide proof of address to a company that I have never heard of before and I have not had my credit pulled in almost 2 months.

They send this 12 page letter with no substance, no report, just asking me to send them my personal information and I dont know who they are. Not doing it!
Complaint sub-issue: Can't decrease my monthly payments

I decide to attend XXXX ( XXXX ) through there online courses from XXXX when I graduate in late XXXX. From the start the process to enroll and the classes themselves seemed way to easy but I was eager to get a degree and start my dream career. After graduating it took months of constant contact asking where my diploma was. Meanwhile they kept telling me it 's on it 's way in the mail. Finally 6 months after graduating it arrived. 
Now a few years later I 'm still not able to get a job in my field so I 've been doing research and find out the school is not legit and is not an accredited school. 
It 's financially breaking me to keep paying these loans. On top of that it 's also breaking my parents financial as well because they took on the responsibility of a large part of my loans because after the first 6months to a year I did n't qualify for financial aid. 
All I want is to be relieved of my remain 7-8 years left in my loan and to finally be able to have a chance to make it in the future without this debt. Even more so I 'd love to be able to tell my family that they no longer have to worry about the loan they took on for me, as they are paying more than I am per month. 
Any help would greatly be appreciated! 

Thank you, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I have been trying to work with Equifax for over 6 months now. I have a number of issues with this company and they refuse to fix it. The first issue started back in XXXX when they put an inquiry on my credit file that did not belong with me. This trend continued with two more inquiries that did not belong to me. The companies that supposedly submitted the inquiry has no record of ever requested my report nor do they have accounts in my name. These companies are XXXX XXXX XXXX, XXXX, and XXXX. The next issue is there is an address that I have never lived at in my life on my credit report. The address is " XXXX XXXX XXXX XXXX, TN XXXX ''. I have never even stepped for in Tennessee. I have made at least 4 different requests to have this address removed from my credit file. Equifax reports back that it was deleted but it never gets deleted from my file. I have even sent a letter requesting to have this removed from my credit report which they respond to by saying they deleted the address but it remains on my credit report. And finally, they have added a unrequested fraud alert to my Equifax and XXXX credit report. I also requested this ( via mail along with their requested identification plus some ) to be removed but again, they refuse to do so. I am at wits end with this company. They refuse to assistant me.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Loss of job, house, and wages due to COVID- 19, Since then I have been declared 100 % XXXX and now I am on a set income from the government and deem total XXXX