Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

That account was already solved. I spoke to the main company that sent me to collections, i already settled it it was a unfair confusion that was stated during documentation.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

On XXXX XXXX XXXX attempted to contact Hunter Warfield Collections Asset Investigation via phone and I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that is not mine. The information was sent to the incorrect address and when I attempted to correct information agent XXXX XXXX was threatening and forcing actions on me. I do not owe feel this is a safe collections practices and it does violate FDCPA. Please assist me in correcting this unsavory tactics.
Complaint sub-issue: Reporting company used your report improperly

Affected by recent Equifax security breach, personal information stolen.
Complaint sub-issue: Information belongs to someone else

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach that took place on XX/XX/XXXX XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are 7 accounts that are on my credit report that I have been disputing with the bureaus and the furnishers since XXXX these accounts are not mine and they do not belong to me I need to get these accounts off my credit asap. I have filed for FTC I have a notarized identity theft affidavit but nothing is being done about this. 

XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXXXXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXXXXXX XXXX XXXX - XXXX {$6200.00} Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Account status incorrect

My wife and I are both XXXX  XXXX veterans. While working on my XXXX XXXX, she became severely ill and I had to quit my program to care for her and our XXXX children. I have always been in contact with the creditors. Since leaving my program several years ago, it has been an un-nerving maze with parts of my loans being bought and sold. She is a XXXX female XXXX veteran with an acquired illness during an injury in XXXX. I need to move our family closer to medical facilities to prolong her life. 

Im on an income-based pay system with the loans and with almost no income, have no payments at this time. Multiple reports on all credit bureaus have my loans in collections, late, and other negative reportings. These are all untrue and are keeping my credit score too low to apply for a home near treatment.
Complaint sub-issue: Investigation took more than 30 days

i have file disputes on XXXX XXXX and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.
Complaint sub-issue: Debt was paid

I show discrepancies on my credit report. Enhanced Recover '' XXXX '' XX/XX/2016 for {$1200.00} XXXX has account listed as " Charge OFF '' and XXXX has account listed ad " Collection ''.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been a victim of identity theft since 2015 I have had freezes, fraud alerts, put on my credit report. I have made police reports which I have sent in to Equifax reguarding account and inquiries not made by me. In one of my police reports from 2015 its listed that all my personal identifying documents where stolen, which includes passports, ss cards, tax returns info etc. EQUIFAX have removed the fraudulent accounts but NOT the inquiries from attempts to gain credit in my name fraudulently or unauthorized are made. I can not keep a fraud alert or freeze on my credit at all times because it hurts me when Im applying for credit. I can not help people have my information and tries to apply for credit or new accounts from time to time. As soon as I realize it, I freeze my credit and try to dispute inquiries. I have sent 5 letters of disputes for the inquiries and 8 fax. EQUIFAX has failed to investigate or reply. They have no proof I authorized or given permission for anyone to run my credit. Nothing that I signed with my signature. These inquiries and credit rating are affecting my livelihood, and they have not replied to me since XXXX when I began noticing the problem from my credit monitoring site.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MONEYLION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Follow-up to complaint ID : XXXX. XXXX from Cardmember services left a voice message at XXXX EST on XX/XX/2021, four minutes prior to leaving his post for the day which was stated on his voice message ( XXXX XXXX departure time ) upon promptly returning the call at XXXX EST. A message was left for XXXX stating that the CFPB would be contacted again for the negligence and express judgment inappropriately passed by XXXX Elan Financial prior to speaking to their client. Elan Financial had additional questions that have gone unanswered yet a decision was made against the customer.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the date below : SALLIE MAE XX/XX/2019 XXXX
Complaint sub-issue: Was not notified of investigation status or results

I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help
Complaint sub-issue: Problem getting your free annual credit report

I requested my annual free credit report from Equifax, but Equifax is unable to locate my credit file. I have talked to their agents on the phone, and written a letter to Equifax with all the information that agents directed me to supply. However, Equifax responded with a generic letter that does not help resolve the problem. Please help me get my credit file located with this company. 
XX/XX/2019, I tried to register with my.Equifax.com. The website would not grant me access, instead the site displayed the error code NH and directed me to call Equifax customer service. 
XX/XX/2019, I called Equifax customer service where I was on hold for over 2 hours. I was never able to reach an agent. 
XX/XX/2019, I reached an Equifax agent ( XXXX ID # : XXXX ) on the customer service line. I provided my full name, social security number, date of birth, and address. I also verified that I have had credit history for over 4 years. The agent was unable to locate my credit file and directed me to write this letter to the Equifax Dispute Department ( Equifax Information Services, LLC Attention : Dispute Department XXXX XXXX : XXXX XXXX, GA XXXX ), and to verify with my lenders that they have been reporting my accounts to Equifax. 
XX/XX/2019, verified that 2 of my lenders are reporting my accounts to Equifax ( XXXX and XXXX ). 
XX/XX/2019, I wrote a letter to the Equifax Dispute Department, requesting that Equifax correct and/or re-establish my credit file. I told them that the website, my.equifax.com, displayed error code NH when I try to access my credit report. I told them Equifax agents were unable to locate my credit file. I provided the requested information and documentation with the letter so that Equifax could investigate and resolve this issue, along with a photocopy of my drivers license, a photocopy of my social security card, and a copy of my current XXXX  credit report. 
XX/XX/2019, I received a letter from Equifax in response to my inquiry. The letter stated We received your request concerning your Equifax credit file. We are unable to locate a credit file for one of  the following reasons. You may not have a current file. You have not applied credit recently. You have not actively used credit in the past ten years. 
Equifax did not investigate the matter, and clearly ignored the information I sent to them. The information I sent to Equifax clearly showed that I do have a credit history, and that my creditors are reporting to Equifax. 
Please help me get my credit file located with Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in XXXX XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also XXXX XXXX XXXX XXXX ( XXXX ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX
These inquiries were unauthorized done fraudulently without consent.
Complaint sub-issue: Didn't receive enough information to verify debt

This account was previously listed by another company about a year ago and as the result of a dispute, the account was removed from my credit bureau reports. The account has since been sold, again to AFNI who has attempted to re-age the account and has not made any attempts to verify or validate this debt in the amount of {$550.00}.
Complaint sub-issue: Account information incorrect

Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$26.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full. At the time there was a late fee that they agreed to waive. Not only did they not waive the late fee, they charged off the account and it is harming my score. This is a violation of the Fair Debt Collection Practice guidelines as well as a FCRA violation. I have tried to contact this company and can't reach anyone or get a return call. Take a look at their reviews and you will see that this is not an isolated situation. Please remove this line item from my credit report.
Complaint sub-issue: Application denied

Denied credit and company unable to provide what the approval requirements are so if they dont know how can they deny my extension of credit if they dont know criteria
Complaint sub-issue: Other problem getting your report or credit score

Because of my XXXX, I AM GUARANTEED MY CREDIT REPORTS- BECAUSE XXXX XXXX, XXXX XXXX. & EQUIFAX XXXX. ARE TOO UNRELIABLE, INSECURE AND ALL 3 OF THESE SUPPOSED CREDIT BUREAUS ARE SO UNRELIABLE THAT ALL 3 AGENCIES HAVE SUBJECTED EVERYONE ( EXCEPT THEIR BOARD MEMBERS ) TO A CONSTANT BARRAGE OF IDENTITY THEFT. A. FOUND THAT FACT IN XXXX CONFIRMATION FROM EQUIFAX, WITH MORE INCREASING EVENTS FROM ALL 3 CREDIT REPORTING AGENCIES! THE CREDIT REPORTING AGENCIES HAVE ONLY AENT ME PIECES AND PORTIONS OF MY CREDIT REPORTS AND I DEMAND TO SEE ALL OF MY CREDIT REPORTS IMMEDIATELY! THE ORIGINAL CONSUMER. DEMANDS TJAT ALL CREDIT AGENCIES TURN OVER ALL 3 CREDIT REPORTS TURN OVER ALL THE CONSUMER 'S CREDIT REPORTS WITHOUT BEING SUJECTED TO THE CRA 'S POLICIES THAT ENCOURAGES CHILDISH GAMES WITH FEDERALLY XXXX PERSONS KNOWING THEY HAVE MANY TOOLS TO BREAK THEIR MONOPOLIES INTO A FEDERALLY PROTECTED AGENCY! SEND ME ALL MY REPORTS TO THE CONSUMER 'S PLACE OF " ABODE '' NOW. I HAVE ALREADY SENT NOTICE TO THE XXXX AND AS OF XX/XX/XXXX, MY COMPLAINTS WERE SENT TO THE FEDERAL TRADE COMMISSION.
Complaint sub-issue: Public record information inaccurate

I'm trying to obtain an apartment and this " civil actions for possession '' keeps coming up. 
1. On XX/XX/2016 it was filed by LexisNexis XXXX XXXX XXXX XXXX XXXX. Case number # XXXX 2. On XX/XX/2016 it was filed again for same thing. Case # XXXX This was for the XXXX at XXXX XXXX Apartments. I have spoke with XXXX at XXXX XXXX who said that I don't owe them nor have owed them. I paid rent and have never been evicted. I have talked to manager XXXX at time as well as new manager. They both sent me proof I fulfilled my lease as agreed. That I've never been evicted by them and that there's a mistake. I have lroof they sent me showing this as well as how they refunded me over {$3000.00} even stating if I owed them I wouldn't have received my deposit back. So this 3rd party company has ruined my credit reputation and life. They are costing me hundreds and hundreds of dollars because of applying to endless apartments only yo be turned down because of this fraudulent company falsely reporting. They are causing me extreme emotional distress and I need help resolving please. They are about to make me and my daughter homeless!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 an account with my written instructions.

15 USC 1666B : A creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Complaint sub-issue: Reporting company used your report improperly

I have inquiries on my credit report that I didnt authorize and never authorized for them to pull my credit report 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: Old information reappears or never goes away

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be  removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.
Complaint sub-issue: Debt is not mine

This company keeps contacting me and my job even though the debt is not mine. The worker stated that she will not stop contacting even though she knows I do n't owe them anything. This collection company is jeopardizing my job.
Complaint sub-issue: Can't temporarily postpone payments

Sallie Mae gives you a standard six months before you have to start making your loan pay backs. When that six months was up I applied for a forbearance for the loans because my husband is in XXXX program and we are not making it on what I make alone. The time has come to repay the loans once again and we are behind in the loan payments. I called after getting letters in the mail and tried to see if I could do another forbearance and they said that I could not. I can make the payment on one but not the other. They stated that I would have to make a payment in order to get information from customer service. I am trying to see the options and they were holding information for ransom. Stating that I was not be able to find out anything without making a payment. Then, I say OK and made a payment and asked if then I could get to the customer service for repayment options and they " tried '' to transfer me over but it did n't work. So then the rep stated that I should call from a phone number that is not on my file so I can get some repayment info. If i use my husbands number or mine it would just route back to collections and they states that they do n't have the same info that customer service has. So I guess I am going to make what payments that I can until I can get more info or help. I really feel like we are being punished for trying to better ourselves through schooling. My husband has at least another year and a half before he is done with his program.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated 623 ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing XXXX  different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX  is reporting XXXX and XXXX  is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX  has re-aged the XXXX and is in violation of FCRA 605C This companies has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Frequent or repeated calls

I initially started to receive calls from a XXXX area code on XX/XX/XXXX. I didn't recognize the number, so I didn't pick it up. Then, several calls from a XXXX area code started to ring to my phone ( my home area code ). I picked up the calls and it turned out to be XXXX XXXX from RAB Inc who claimed that I owed money for wine that I purchased as the owner of the XXXX XXXX XXXX. I repeatedly told XXXX that he had the wrong individual and that I was not the owner of XXXX XXXX XXXX and that it was a supermarket in the floor of my office building. 
He proceeded to let me know he had my drivers ' license number and knew all of my personal information, rattling off my mother 's full name as well. He, then, called my mother with this information and began to harass and scare her. He said that he had my social security number and all personal information about me. We both asked him to never call us again and that he had the wrong person as I was not the owner of XXXX XXXX XXXX and did not have anything to do with who they owed money to. 

It was really scary and XXXX XXXX should be disciplined for this type of harassment and these scare tactics. I have nothing to do with this debt and am just trying to clear my name at this point with the company who is trying to collect this debt. I have been very obviously incorrectly tagged with this debt.
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX XXXX and the inquiry stated below is unfamiliar to me. Therefore, the furnisher was unauthorized to pull my credit report. 
Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. 
XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Debt was discharged in bankruptcy

This loan was included in a 2009 bankruptcy under XXXX and now under XXXX they are trying to collect as well as declaring me deceased, which I obviously am not. This loan was not valid as XXXX XXXX was supposed to recall full loan and school not attended due to illness which resulted in subsequent bankruptcy.
Complaint sub-issue: Account status incorrect

I am trying to get this collection off my credit report. It was NEVER a collection account, it was an auto loan but still they are reporting it incorrectly and have not changed this even though I have contacted them several times. 

The account is now XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this account off my credit report. 

XXXX is still reporting monthly status and its been closed for XXXX  years!
Complaint sub-issue: Old information reappears or never goes away

the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX and XXXX florida defrauded hundreds of students who went to their schools in XXXX florida and XXXX Florida in XXXX, the owner XXXX XXXX stole all the students aid loansmoney and XXXX XXXX us dept of education approved loan money up {$10000.00} and never trained the students the owner of the school went to prision plead guilty, the students never recieved training and had to leave the school and was left with student loans debt they never recieved or the school training, now XXXX the us dept education collection agency XXXX in XXXX nebraka still hold students ' like me accountable for student loans we never recieved or got training for, and damaged our credit reports for student loans, we never used or recieved someone need to discharge and suspend all student loans from these schools due to fraud, theft and illegal school activity from XXXX the owner of the school went to prision and the fbi need to be involved and dismiss all collections by the department of education XXXX student loans, also they required you to be able to typing at 100 wpm after you enrolled in their school but did not state this before you enrolled in their schools