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

Received a call on XXXX XX/XX/XXXX from an agent from XXXX XXXX XXXX, a debt collector, claiming that I owed {$810.00} for a " Flexshopper '' account that was charged off in XX/XX/XXXX and now owned by a company called XXXX XXXX XXXX. I stated to the agent that the debt was not mine and stated that I needed a debt verification as the agent could not even tell me what address I was living at during the time this debt or account was supposedly applied for. I have not received any documentation from the company other than a standard debt letter which I am also taking action to dispute ( see attached ) and request all documentation on this account such as completed applications forms or promissory notes, emails and email addresses, addresses, phone numbers, names, SSN # s, etc. It is also suspect that out of the blue, a debt collector would try to collect on debt that is at least 3-4 years old ( based on the phone call and letter I received ) as I have never been contacted about this account previously. XXXX XXXX XXXX XXXX reveals very little as I could find any contact information or website for them except that it is a foreign limited liability company and appears to have been incorporated in multiple states throughout the XXXX calendar year. I believe that XXXX XXXX XXXX is running a scam where they may take fraudulent or time barred debt and misrepresent it to debt collectors as " owed '' and debt collectors attempt to collect the debt without confirming the validity of the debt. This an evil practice that preys upon vulnerable people to take what may be the last dollars in their bank account.
Complaint sub-issue: Their investigation did not fix an error on your report

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Discover Bank Discover Bank  ( Revolving ) Accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX XXXX, XXXX Payment Status Charged off as bad debt Unpaid balance reported as a loss by credit grantoXXXX Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization 110 % 110 % MORE DETAILS Discover Bank ( Revolving ) More Details XXXX XXXX XXXX Closed XXXX XXXX XXXX, XXXX Open Date XXXX, XXXX XXXX, XXXX Last Activity XXXX, XXXX Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card Responsibility Individual Account Individual Company Name Discover Bank Discover Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX City, UTPhone ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$0.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I submitted a notice Of inaccuracies on my credit report via certified mail. 
Certified Receipt : XXXX Certified Receipt : XXXX Certified Receipt : XXXX Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name?

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract. 
# 2 Provide equal consideration from both parties to the contract. 
# 3 Provide for and evidence lawful terms and conditions. AND ... 
# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.
Complaint sub-issue: Need information about your loan balance or loan terms

I enrolled in the Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. Once I enrolled in the program my student loans were transferred over to XXXX XXXX. Once I verified my employment they updated my remaining payments. In XXXX I also got verification for the employer before my current job and was told payments from that could be used as well. Once that was submitted the payments on my statements to XXXX became confusing. It Went from 34 Qualified payments ( XX/XX/XXXX ), to 20 ( XX/XX/XXXX ), to currently 17. At last call to them ( XX/XX/XXXX ) I was told a review was submitted in XX/XX/XXXX ). I have not been able to get an accurate understanding of where I am in the process of completing the PSLF program which is making it difficult for me to plan financially long term. I have made many decisions to remain at a non-profit given the opportunity to participate in the PSLF. There are several other practices that I have experienced that make me feel like they are not trying to help the customers in getting forgiveness. 
1 ) I have automatically been put in forbearance 2 times without my consent, the account accrued interest. When I followed up with this, I was told it was due to natural disasters that I was not a part of ( wildfires in XXXX California and Hurricanes on the East Coast ). I requested that the payment I sent be applied, but this resulted in an over payment ( which later I find out does not account for a qualified payment. 
2 ) Every time I call there is no information on my account being updated. I am told that the reviews of information take a long time, but I have been going through this over two years. I need to be able to plan long term financially for my family and I.

I am very concerned especially since I am hearing horror stories of people who think they have completed the program but only later to find out their payments did not qualify. I find it hard to believe that a financial institution can not tell the status of its customers financially.
Complaint sub-issue: Company closed your account

The bank opened my account TWO Days ago yesterday I was able to put money into the account but today I can not remove it
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, VOLKSWAGEN  CREDIT  Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Their investigation did not fix an error on your report

I am showing 5 late payments for volks wagon, I have asked for detailed report from volks wagon twice. I receive nothing it has been over 30 days that I ask for detailed information about these late payments. I was never late on my vw payments 5 late payments severely ruin my credit and it is extremely frustrating to get no response and when I do get a response VW gets nothing resolved. This is hurting my credit drastically. I ask for your help in this investigation and please help me to get these late payments deleted as they have been falsely reported
Complaint sub-issue: Account information incorrect

As a consumer and knowing my rights based on 15 usc 1691a ( e ) and ( f ) they have violated and continue to violate my rights and personal lifestyle with demanding calls and numerous demanding and threatening letters through the us postal service.Its has gotten to ah point were I am afraid to even answer my own phone at times.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$1900.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Complaint sub-issue: Information belongs to someone else

I have these accounts that are not mine in my credit report, i demand for them to be removed immediately. 

XXXX, Date:XX/XX/XXXX, XX/XX/XXXXAccount : XXXX Amount : {$0.00}, Equifax Account : XXXX Amount : XXXX XXXX  Account : XXXX Amount XXXX .This account is not mine XXXX XXXX XXXX  Date XXXX XX/XX/XXXX, XXXX   Account:XXXX : Amount XXXX {$1000.00}, Equifax Account : XXXX Issue : This account is not mine XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX Account # : XXXX, Amount : {$12000.00} Issue : This account is not mine They reported these accounts lates, which I've never been late. i would never be late and ruin my credit, i demand you review this from my credit report. I want to get a mortgage and this is preventing me from getting it. I've tried to contact the companies but they said that they can not help me. This is a unnecessary issue that needs to be resolved immediately. 

XXXX XXXX  Date : XX/XX/XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit. 

XXXX XXXX  Date XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit
Complaint sub-issue: Information belongs to someone else

The following accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 ) XXXX {$670.00} 2 )  XXXX {$820.00} 3 ) XXXX XXXX {$120.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and update these accounts from my credit report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello, I'm providing a statement letter attached for my dispute against the merchant " XXXX - XXXX XXXX XXXX CA '' for {$990.00} on XX/XX/2018 on the card ending in XXXX. 

The merchant has not provided what was paid for. They have actually provided NOTHING in exchange for this transaction. I ask that you please carefully review this and credit back the funds or ask the merchant to provide what was paid for. 

Thanks, XXXX XXXX
Complaint sub-issue: Account status incorrect

On XXXX/XXXX/2020, I received an email from XXXX XXXX XXXX XXXX XXXX that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued. ( see copy of email attached ) In spite of this notice, I made a payment that was posted on XXXX/XXXX/2020 and another on XXXX/XXXX/2020. ( see statements attached XXXX However, XXXX XXXX XXXX NEVER sent me a new card in spite of them receiving payment 13 days after the date of this email. In XXXX 2020, my credit report alerted me that I had a XXXX status on my credit report for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the creditor, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, on XXXX/XXXX/2020, I received the new card that the email stated that I would receive automatically. 
I have disputed this information several times through the credit bureau. I have even filed a XXXX XXXX. XXXX see their response attached, which had some discreptancies ) The creditor refused to assume any responsibility for THEIR data breach, lack of communication on current account numbers and reissuance of cards and THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
All documents proving these statements are attached. 
I am making this final attempt before pursuing legal matters stating how their errors is damaging my future.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. Equifax, XXXX and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! Equifax, XXXX and XXXX are in direct violation of the FCRA and Gamm Leach Bliliey Act of XXXX
Complaint sub-issue: Information belongs to someone else

Wrong credit reporting to mu XXXX y account. accounts not open or approved by me.
Complaint sub-issue: Can't stop withdrawals from your account

On XXXX XXXX, I called XXXX to pay my sons bill. It went through a company called cash app. Ever since this happened cash app has been taking money out of my account. I tried several times calling them but no success. There is a recording stating you won't b able to talk to anyone. Im hoping u can help me! Ty!
Complaint sub-issue: Information belongs to someone else

I have been battling with Equifax for roughly XXXX calendar days about inquiries that I have no knowledge of thats showing up on my credit report. I have emailed several high ranking officials of Equifax countless times, I have called tons of times, and I even sent in letters in which none was received allegedly every time. This is becoming very tiring and starting to be daily slap in the face as I try to use all avenues to force this company to do their job and remove these inaccurate items. I have a total of 10 inquiries that I would like to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because I have sent multiple rounds of letters to credit bureaus to reinvestigaste 3 accounts that are reporting false information and it is costing me thousands of dollars a year. They are violating my rights and they have the nerve to not even respond to my letters! These inaccuracies are highly injurious to my credit rating. 

First account is XXXX XXXX which is a closed account that was paid in full of {$100.00}. 

XXXX XXXX XXXX acct # XXXX balance of {$620.00} XXXX XXXX XXXX  acct # XXXX Balance of {$420.00} XXXX XXXX acct # XXXX Closed paid acct Furthermore, in accordance with the fair act credit reporting act, public law 91-506, Title VI, section 611, subsection A-D, please provide me the names and business addresses of each individual with whom you verified the above, so that I may follow up. IT IS ILLEGAL TO REPORT FALSE INFORMATION! 

They are all reporting different information all across the board! I have asked for the accounts to be deleted immediately and please forward me send me an updated credit report after you have completed your investigation and corrections!
Complaint sub-issue: Problem with rewards from credit card

The reward terms on my AT & T Access More Card from Citi says " Three ThankYou points earned for every {$1.00} you spend on purchases made online at eligible retail and travel websites. '' However, I have found quite a few qualifying online retail & travel transactions in my last two statements are only earning 1 points. Here are a list of them : Transaction date : XX/XX/2020 Merchant : bestbuy.com Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : XXXX Amount : XXXX My comment : this is clearly an online travel purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : staples.com Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : XXXX Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

All above transactions should earn 3x points according to Citi 's reward terms. However, I only earned 1x points on them.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Complaint sub-issue: Problem getting report or credit score

RE : Equifax I was denied service from XXXX because they ca n't establish my identity thru Equifax. When I tried online at Equifax they ca n't find a file on me even with driver 's license number. I have not had an auto loan since XX/XX/1970 and my house mortgage has been paid off over 20 years ago, although I do have at least XXXX active credit cards. Also have an account with electric company and cable company and accounts at XXXX local banks.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a collection on my account that I've never had in the first place. I personally paid XXXXXXXX XXXX XXXX {$88.00} to the company myself and it was never in collections. I tried disputing this with equifax because they are reporting this as a collections account and that is incorrect .They did not not fix it after the investigation and are not allowing me to dispute it again or do another investigation. Again, I have never had a collection with XXXX XXXX i have never paid a collection agency with XXXX and equifax is refusing to correct it on my credit report.
Complaint sub-issue: Information belongs to someone else

To whom this should concerned Ive been in contact with Equifax for a little of a year now with no resolve of them correcting incorrect information that are reporting on my credit report. Theres short response is always the same this information is accurate and has been verify by their company. Seeing that we are aware that this is just automated response I completely understand why they keep sending the same response. Thats not my issue my issue is that this information does not belong to me should not be on my report. Now it is Equifax duty legally to help me with my own investigation by providing the information and the actually people involved in verifying this incorrect information which they continue to ignore my request. 
Equifax is in violation of so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A- congressional findings and statements of purpose, & 15 U.S. Code section 1681B-Permissible purpose of consumer reports & 15 U.S. Code section 168E. I respectfully request to be providing proof of this alleged items, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation to have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please. 

My credit is very important to me. If your agency continues to list these inaccurate items on my credit report. I will find necessary to sue you for actual damages and declaratory relief under the FAIR CREDIT REPORTING ACT & FDCPA. 

The accounts involved in this matter are listed as followed : DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX Im at this point begging for this matter to be handle sooner than later I've been deny housing and job opprotunites because this incorrect information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized credit inquiries