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

Hunter Wakefield has been trying to collect {$1600.00} against me for the last 5+ years. I have on several occasions asked for them to provide a valid debt contract including my most recent attempt received by Hunter Wakefield via certified mail on XXXX when I sent the a letter asking for proof of debt and a notarized letter indicating a signature witness, on XXXX a second letter was received via certified mail to Hunter Wakefield asking for the erroneous debt be removed from all three credit reporting agencies. As of to day there has been follow up from Hunter Wakefield and they are still reporting the debt. 
I've tried calling to dispute this debt and on several occasions including as recent as this XXXX often the phones are not answered, when answered vm is full or if a message is left it is never followed up on, on two occasions there was an answer I asked to have a partner with authority to remove the claim from being reported against me to return the call, this was never done, I called and was able to speak with a counselor and the conversation escalated when the counselor became belligerent, and verbally abusive. I asked for a name and our employee identification number but the representative disconnected the call. I attempted to call back on three separate occasions and was unable to get through.
Complaint sub-issue: Investigation took more than 30 days

I am filing a complaint of non-compliance against XXXX XXXX who sent a letter to on XX/XX/XXXX and Equifax on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to XXXX and EQ XXXX. The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Complaint sub-issue: Personal information incorrect

I have requested personal contact information that does not belong to me be removed several times from each of the Bureaus and they continue to report inaccurate information on my credit report in direct violation of my consumer rights. I believe it is negatively impacting me because there are accounts reporting that I don't recognize as well. I believe the unfamiliar accounts are reporting as a result of all the incorrect information being housed on my credit reports.
Complaint sub-issue: Didn't receive enough information to verify debt

I have written multiple letters to this company asking them to identify themselves and explain why they are on my credit report, they have not responded. I have rights! The FDCPA and FCRA are both extremely clear! They have to send me information. PLEASE HELP ME!
Complaint sub-issue: Account status incorrect

In XXXX I submitted a complaint to CFPB regarding the servicing of my mortgage. The company ( LoanCare ) had incorrectly reported my mortgage account as 30 days late to the credit bureaus. Last year, XXXX my previous mortgage company sold my mortgage and the servicing of the mortgage to LoanCare. Because I was out of the country, I missed the notification of the change and continued to pay XXXX for two months after the mortgage had been sold. When I returned from my trip and realized my mistake, I immediately called LOANCARE to explain the situation. I explained that I was in the process of trying to get the mistaken payment reimbursed from XXXX. I immediately paid the XXXX bill but could not afford to pay the XXXX bill without first getting reimbursement from XXXX. Nonetheless and despite my explanation to LOANCARE, it reported me as 30 days late on my XXXX payment. In XXXX I filed a complaint with the CFPD against LoanCare. By letter dated XX/XX/2019 ( attached ), LOANCARE denied that it made a mistake but nonetheless agreed to change its report to the credit agencies as " current, pays as agreed. '' The letter said to allow 45 days for the credit agencies to update their records. Since that time, most of the credit agencies have updated the reporting of my loan. However, one agency XXXX  has not made the change and contunes to report me as 30 days late on my home loan. XXXX  says that LOANCARE has been unresponsive to its requests for the information so that it can confirm that the delinquencies have been removed. LoanCare has not responded to my request for assistance. I have called XXXX XXXX who wrote the XX/XX/XXXX letter on behalf of LOANCARE multiple times. Despite multiple calls and messages explaining the situation, neither XXXX nor anyone else at LOANCAre has returned my calls.
Complaint sub-issue: Personal information incorrect

There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I origianally noticed inaccurate information on my credit report after being denied for a home. I contact the credit bureau immediately on XX/XX/XXXX regarding this information. I did not get any reposnse so I followed up with another letter after 30 days. I've read according to law they should complete an investigation and notify me of results within 15 days after my second request. I have yet to hear anything from them regarding this matter. As a result I am making a formal complaint on the company for failing to maintain accurate records and refusing to respond to my disputes.
Complaint sub-issue: Account status incorrect

I have a credit card from CBNA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CBNA with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Complaint sub-issue: Personal information incorrect

I sent my complaint to the three credit reporting agencies, XXXX, Equifax, and XXXX, because they are reporting inaccurate personal information of mine on my consumer credit report and infringing my consumer rights pursuant to 15 U.S. Code 1681 ( a ) for continuing to report information on my consumer report without verifying the accuracy of the information first. I want it deleted from my consumer report for it is harming my reputation and I can't receive mails in those addresses nor am I reachable in those addresses. 

They also violated my consumer rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible Purpose for reporting information on my consumer report without my permissible purpose. They did not even reach out to me to confirm any personal information that only I can verify before they report it on my consumer report.
Complaint sub-issue: Information belongs to someone else

There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX  XXXX XXXX - Acct # XXXX XXXX {$3700.00} XXXX  XXXX XXXX - Acct # XXXX XXXX {$11000.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$7300.00} XXXX CARD- Acct # XXXX XXXX {$6600.00} XXXX CARD- Acct # XXXX {$9.00}
Complaint sub-issue: Frequent or repeated calls

An letter for debt validation was submitted to the company, ProCollect, asking the company to submit the proper documentation to state that I am legally obligated to pay the amount of XXXX. A letter was returned to me from ProCollect stating that their client contends that this is a true and valid debt and supplied me with a copy of a rent least as supposed proof of this debt. The Collection agency is not bonded in the state of Louisiana to collect Debt and i will like for them to remove it off my credit report.
Complaint sub-issue: Problem with fraud alerts

Equifax makes it very difficult to lift a security freeze. Here is what I had to do. 
1. Called the number on my confirmation letter. The person told me it would take five days if he did it, but I could call another number for an automated system or do it online. 
2. I called the other number. After asking for my SSN and address number, it told me it could n't process my request. I would guess this is because they have an old address even though I 've been at my current address for more than four years. 
3. I tried online. The page they told me to go to did n't come up ( probably because I was n't using https ), but I was able to navigate from the home page. After filling out the first page, it sent me to a second page that said I would have to provide my PIN in writing. The first page did not have a way to enter my PIN. 
4. I tried the automated phone line again using my previous address. It did not work. 
5. I tried online again. Same result. 
6. I called the original number and went through the process. At the end, he said it would take 15 minutes to 5 days. I said 5 days is unacceptable. He then said it would be 15 minutes to 30 minutes.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i contacted the three credit report agencys. equafax, XXXX, and XXXX concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.
Complaint sub-issue: Reporting company used your report improperly

I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

U.S.C. 1681b section 2 - XXXX XXXXXXXX Bankruptcy # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights -15 U.S.C. 1681 section 602A States i have the right to privacy. 15 U.S.C. section 604A section 2. it states a consumer reporting agency can not furnish a account without my written instructions- 15 U.S.C. 1692c without the prior consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Problem with statement of dispute

Equifax, and only Equifax, not XXXX and not XXXX filed an collection item on my credit report that ( i ) belonged to someone with the same first name but a different last name, XXXX ii XXXX belonged to someone on a state in which I have never lived and XXXX iii ) did not have a correlating social security number. In addition, they added that person 's name and address to my credit. I received notice of this from a credit monitoring service I use. This item caused my credit score to fall from XXXX to XXXX with Equifax and from XXXX to XXXX with FICO. 

I contacted the creditor, confirmed that they did not provide a social security number to the credit reporting agency and notified them of the error. I also filed a dispute with Equifax and a notice with XXXX and XXXX of the false information Equifax was reporting and the issue. Equifax investigated and removed the false name, address and and item from my credit report. HOWEVER, they failed to restore my credit score to what it had been prior to their error. 

I sent a letter requesting that they restore my credit score. They did not. 

I then called them in an effort to address the issue. This was an extremely frustrating experience in which the agent just stated the same thing over and over and failed to address my issues or concerns. They made me pay and wait two weeks to find out via mail what they restored my score to. I just received the information via mail, which confirmed that they had NOT restored my credit score to the proper number. My credit score should be XXXX, not XXXX as stated on the report I was forced to pay for. 

I think that Equifax operates in a manner that is unethical and, essentially, a racket against consumers in this respect by ( i ) allowing unsupported, unsubstantiated and clearly erroneous negative information to be filed on the incorrect person 's credit report and XXXX ii ) requiring the victim of this to then either pay them for their credit score or pay to join their program in order for the victim to confirm that they have been fully restored and made whole. I would like my credit score restored to what it was prior to Equifax 's erroneous actions.
Complaint sub-issue: Their investigation did not fix an error on your report

CITICARDS CBNA XXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX -You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX was placed on my credit report on XX/XX/2021. If I allegedly did business can they prove that I made payments on XX/XX/2021 when I never made payment to them on Equifax. Also on XXXX it considered a negative account that I never made payment on XX/XX/2021.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

Hunter-Warfield does not own this debt and this debt is invalid. Hunter-Warfield was persuing an alleged debt for XXXX XXXX XXXX XXXX in the amount of {$3300.00}. I have already had two attempted lawsuit 's, in the wrong state which had to be thrown out. Also, the amount of the debt is outrageously invalid. As of now, a law firm- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . are persuing legal action with an alleged balance of {$2700.00} for XXXX XXXX XXXX XXXX. This debt is not owed and is not my debt. This debt needs to be removed from my credit report. Thank You
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX renewed a equity line after the house had been sold. The account owner had Paid off and closed the account down. To find out the account was opened back up without anyone 's approval and the fee was assessed to the account and was reported as delinquent. The bank was told on several occasions to close the account. Now I 'm having trouble getting a home loan.
Complaint sub-issue: Problem with personal statement of dispute

This complaint involves XXXX, XXXX XXXX, and XXXX XXXX. 

I have held an XXXX credit card for several years, and historically it was associated with an account at XXXX XXXX. I had automatic payments set for that account and never had a late payment. 

In 2022 XXXX switched providers to XXXX XXXX. I do not recall receiving any notice of this change, and the first I heard of it was when I received an alert that my credit score had dropped by nearly XXXX points. This change was made before I received a new credit card showing any kind of XXXX XXXX logo, and the automatic payments that I had set up at XXXX XXXX did not transfer to XXXX XXXXXXXX. 

I brought the account up to current in early XXXX immediately after learning about the issue, and in XXXX I mailed a letter to XXXX XXXX describing the issue and requesting to have the late payments removed from my credit history. XXXX XXXX responded on XX/XX/XXXX that they were unable to do so. 

I am requesting to have the late payments removed from my credit history. The change between credit providers was made without any input on my part, and had it not taken place my automatic payments would have prevented the issue from occurring.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I've notified XXXX, Equifax, and XXXX via written notice in accordance with 15 U.S.C. 1681 b 2 to remove all the fraudulent inquiries from my consumer report. XXXX, Equifax, and XXXX have a blatant disregard for the law as they are failing to report what relates directly to me per my written instructions and right. I have also reached out via telephone and never reach a representative. There are currently 13 inquiries shown on XXXX, a collection from XXXX XXXX who I've never contracted with, and 2 closed accounts from XXXX XXXX and XXXX. Equifax is fraudulently reporting 17 closed accounts, 2 collections from XXXX XXXX and XXXX XXXX XXXX, and an inquiry form XXXX XXXX  that need to be removed per my written instruction and in accordance with 15 U.S.C. 1681 b 2. XXXX is reporting 11 closed accounts and 3 inquiries. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man.
Complaint sub-issue: Information belongs to someone else

I have recently been harassed and called by multiple debt collectors in an attempt to retrieve payment for a debt that I have never had prior knowledge of or gave consent for anyone to open on my behalf. Ive notified the creditor of the debt that I have no responsibility to the account and that it was opened fraudulently and needs to be removed but I have not had any success in resolving this matter thus far.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX18 I noticed a credit inquiry I do not recognize. 
I ask that the following Inquiry be deleted from my credit report : XXXX XXXX In addition I request that each CRA provide the source documentation used to verify the validity of this reporting.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/22, I received notification that my credit card interest rate was increasing based on my FICO score recently received. I had not done anything that would prompt a change in my FICO score so I ordered my credit report to make sure there were no changes in my credit history. To my surprise, there was a collection item placed on my account. I immediately call the collection agency to confirm what the item was for and they indicated that I had an outstanding medical bill from last year. When I asked for the details, they had none. They just wanted to know if I wanted to " settle the account today ''. Not sure how anyone else handle their finances, but I don't dish out money without details. My concern is that the collection agency did not do their homework to confirm if the debt was legitimate prior to posting it to my credit report. As a result of this collection item my FICO score was significantly reduced and resulted in a 6 % rate increase to one of my credit cards. I have disputed the claim with the credit bureau and looking to get additional information to confirm the debt is outstanding. If it is legitimate, I will pay the debt however, I have a one important question for the company that submitted the debt to the collection agency. Why is the first point of contact for the debt from a collection agency?