Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX response is fraud
Complaint sub-issue: Public record information inaccurate

The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C No 95-cv-01743 ). 

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the 3 CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on EQUIFAX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX**** allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.
Complaint sub-issue: Debt is not yours

I, XXXX XXXX, give authorization for I.C. SYSTEM, INC to move forward with this complaint. 

THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE STATING I OWE THEM IN THE MAIL AN ALLEGED WITH I.C. SYSTEM, INC. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently pulled my credit report and noticed damaging information that should not be on my credit report such as unknown inquiries, and improper late payments.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.
Complaint sub-issue: Information belongs to someone else

I tried reaching out to this bureau several times about accounts that are reporting on my credit that do not belong to me! this info is fraud and i want it investigated and removed from my credit report!
Complaint sub-issue: Received bad information about your loan

On XXXX XXXX, 2017, I received an email stating the following : We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$3000.00}. I never requested a forbearance or deferment. I have made my regular payments of {$340.00}. The email also stated that my new regular payment would be {$1000.00}, due XXXX XXXX, 2017. However, the automated phone system stated that my new monthly payment is {$710.00}, also due XXXX XXXX, 2017. I called and spoke to a representative and stated that my income-based repayment application was 3 days late causing the changes. I have had an issue with Nelnet every year when it come to renewing my income-based repayment. I work for a XXXX XXXX XXXX in XXXX. I need help with this issue as soon as possible. I had to take a deferment for the month of XXXX because of this issue, of course that means more interests and more debt, while the company figures out my new income-driven repayment.
Complaint sub-issue: Didn't receive enough information to verify debt

Americollect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Information belongs to someone else

This is my 6th 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
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately. I have reached out to all creditors as well. 

XXXX {$250.00} XXXX {$230.00} XXXX {$980.00}
Complaint sub-issue: Information belongs to someone else

My personal information was exposed in Equifax 2017 Data Breach. I checked my Equifax credit report and I see fraudulent inquiries. Equifax has not removed these inquiries after sending numerous dispute letters to them.
Complaint sub-issue: Their investigation did not fix an error on your report

The letter enclosed explains my dispute on several accounts. I never recieved what was asked for in the letter. The credit bureau is non compliant and this is the third attempt. This now qualifies to be deleted for non compliancy on all accounts listed in the letter attached. I will pursue this in court if they are not deleted
Complaint sub-issue: Information belongs to someone else

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Complaint sub-issue: Other problem getting your report or credit score

I have a credit monitoring service with Equifax. I am unable to access my credit report due to some type of error within their system. This has been an ongoing problem with my account for well over a year and a half. I temporarily canceled the service last year due to the frustration of the problem. I was able to recently sign back up and gain access to my credit report but shortly after, the same problem started to reoccur. As a result, I am no longer able to access my tri-merge report with any of my other credit monitoring services i.e. Credit Check Total due to the system error within my Equifax file. I have spent countless hours making phone calls to Equifax to no avail. They continuously send me from department to department and nothing is resolved. They tell me things like, a ticket will be created and escalated and should be resolved within 7-10 days. I have waited several 7-10 day periods and still, the problem exists.
Complaint sub-issue: Debt was paid

I have disputed the same charges with multiple companies!
Complaint sub-issue: Didn't receive notice of right to dispute

I reviewed my credit report and found this company listed I never received an official notice pertaining to this debt. 
I dont any contracts with this company and dont know who they are. 
I sent a dispute letter and still received no response from them. 
Just a update to my credit profile which is still inaccurate
Complaint sub-issue: Reporting company used your report improperly

ON XX/XX/2022, Sent a letter to XXXX, XXXX, and XXXX informing them the information they are report to my consumer report is inaccurate.
Complaint sub-issue: Information belongs to someone else

To whom it may concern ; I've been dealing with this issue for some time now, and nothing has been done with these fraudulent activities going on with my credit. I still cant understand how did this happen to me. this is my second time competing these steps. 
can you please remove these accounts off my credit. this is very stressful please help me resolve this matter Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 a company XXXX  auto financing ran a credit report without my knowledge or consent. I called the company to see how the obtained my information and was told that after report is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of this happening. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft. 

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

My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX, XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

A collection company named XXXX has reported a debt for a medical service I did not have with XXXX XXXX XXXX. Ive  contacted XXXX XXXX XXXX numerous times trying to remove this with no avail. I contacted the collection company about the collection that was reported on XX/XX/XXXX ( report XXXX ) and they sided with the collection company. They disregarded my dispute twice without investigating the matter. I cited FCRA section 609 ( a ) ( 1 ) ( A ) which requires them to verify which they failed to do so with the original biller. The total amount of the bill is for {$660.00} for supposed services on XX/XX/XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/XXXX LJ Ross Associates began contacting me about a debt that they claimed that I owed to them. During the initial phone call, which is recorded by the company, I disputed their claim informing them that I have no connection to or ever received any service from LJ Ross Associates. In XX/XX/XXXX I received a copy of my credit report and found that LJ Ross Associates is reporting an unverified debt. I have disputed this four times with all three credit bureaus and twice with LJ Ross Associates directly.

On XX/XX/XXXX I sent a certified return receipt letter requesting that they validate this debt they are attempting to collect within 30 days. They received the letter on XX/XX/XXXX and refused to respond yet continued to update their negative reporting on my credit reports every month following the receipt of the letter. On XX/XX/XXXX I sent a follow up letter requesting that they remedy the situation and they responded by sending me an account analysis from a utility company which does not validate that I owe a debt to LJ Ross Associates. 

LJ Ross Associates has failed to provide me with any documentation bearing my signature showing that I have a contractual obligation to pay LJ Ross Associates for the debt that they are reporting on my credit reports. I have never entered into a one month termed contractual agreement with LJ Ross Associates. However they are reporting these inaccuracies on my credit report in addition to a seriously past due negative payment history. I request that this entry be removed from all of my credit reports immediately.
Complaint sub-issue: Account status incorrect

I requested that a proper investigation of my accounts was not done In Accordance With the Fair Credit Reporting act. these accounts can't be open and closed at the same time. These accounts need to be deleted. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, they are show inaccurate information. XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX violated my federally protected 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 an account without my written instructions. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

The account 's where removed but put back on by other creditors.
Complaint sub-issue: Investigation took more than 30 days

I have previously submitted a complaint the CFPB stating that my dispute sent to the XXXX bureaus on XX/XX/2022 was ignored and no response was given within the 30 days required to respond. Per the FCRA, if there is no response within 30 days, the disputed information must be removed. I did NOT receive a response within 30 days of sending my dispute!!
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I financed a vehicle from sage auto sales through age financial in North Carolina, XXXX XXXX XXXXXX/XX/XXXX. I paid a down payment and I was told that it would apply to my total amount of the auto loan.however I recently went Over my contract and it was a lie and fraudulent the contract is null
Complaint sub-issue: Their investigation did not fix an error on your report

as previously notified, I am a victim of identity theft
Complaint sub-issue: Trouble with how payments are being handled

I have been waiting approximately 4 months to get an answer back from FedLoan Servicing when I requested that they recalculate my payments dating back to XXXX. The reason I made this request was because I would be eligible for public service loan forgiveness in XXXX. I have never missed a payment and have been on a qualifying payment plan the whole time. I was told that one of the two of my loans would be eligible in XXXX and the other would not be until XXXX. They said they would go back and review my payments and I never heard back, this was 4 months ago. 

My other complaint is that I got notification XX/XX/XXXX that I no longer qualify for the Income Based payment plan and that I had to apply for the Repay as you Earn plan ( Making me still eligible for student loan forgiveness ) I did all of this, submitted my documents immediately, and gave FedLoan immediate access to my tax records. On XX/XX/XXXX I received a letter stating that for now I am on a standard payment plan ( not eligible for loan forgiveness ) until I can get on the REPAY plan. I asked how long this process would take and was told two months. I verified with the customer service rep that for two months my payments would not be applied to my loan forgives and they told me that was correct. I spoke with that persons supervisor ( ID : XXXX ) who told me the same thing. I asked, so essentially Im being penalized because it takes your company that long to process loan transfers and was told that was correct and they would try to put in an expedited request. I asked if I would be receiving verification of this request and was told to just call back. 

Consumers should not be penalized because the servicer takes two months to transfer loans therefore delaying public service loan forgiveness. I would like to know how long this has been going on with my loans throughout the 8 years Ive been paying them back. Im sure there are other consumers that dont even realize that this is happening to them.
Complaint sub-issue: Debt is not yours

I was contacted by XXXX after already having disputed the original debt with them well over a year ago. The debt claims that I am a co-endorser for another person for guarantee of their account and responsible for their unpaid amount of {$250.00}. The problem is that the contract provided to me showing my alleged signature only shows a digital signature. I contend that I did not sign as co-endorser of the agreement, it was executed by others outside of my knowledge, and is a fraudulent representation of a legal agreement. Last correspondence received from XXXX was in XX/XX/XXXX to which i responded to them and subsequently filed report XXXX with the Federal Trade Commission claiming this was a fraudulent representation.I have now received a collection notice on XX/XX/XXXX from Apelles collection agency ( www.apellesnow.com ) advising that I can now settle this debt for a lesser amount of {$120.00}. I did not previously owe anything to XXXX still do not owe anything for this mis-represented account.
Complaint sub-issue: Information belongs to someone else

Equifax is currently reporting an account by the name of XXXX XXXX  opened on XX/XX/2021 for the amount of {$250.00}. This account is not mine.
Complaint sub-issue: Problem during payment process

I tried to get into by Best Buy Acct to pay my bill. The phone they provide has NO way to speak to a real person. Their automated system is only speech or numberpad-based. When they don't work there is no alternative. I can't pay my bill since NONE of the phone provided goes anywhere but their canned systems. 

I am sure this is deliberate as they can charge XXXX fees for late accounts. At this point I want to pay the account off and close it. Such a sleazy company. HELP!
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX. Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4.00} XXXX  XXXX AUTO XXXX Balance : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my Equifax Credit Report I noticed a hard inquiry for XXXX XXXX XXXX XXXX XXXX which I did not authorize or was aware of. 

Inquiry Date : XX/XX/2020 Company XXXX XXXX XXXX,
Complaint sub-issue: Account information incorrect

I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX XXXX.
Complaint sub-issue: Debt was result of identity theft

I realized this year that I had a lot of fraudulent information on my credit report when I signed up for an XXXX account. These included fraudulent loans, credit cards, and bankruptcy's. I informed myself on my rights and what I had to do to inform credit reporting agencies that I was a victim of identity theft. I have been combating the fraudulent information for months now, and most of it has been proven to be from identity theft, and has just-fully been removed. However, there is still a  bankruptcy that has not been removed from my Equifax report even though it has been proven that it does not belong to me. I am very frustrated that my identity was stolen, and more frustrated that I have done everything in my power to fix this, and Equifax has refused to remove this derogatory from my file.