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

Receiving multiple calls from debt collector for my fathers debt. Automated dialers calling my cell phone with out my consent. I never provided them my numbers nor did my father provide them. I asked them to stop calling but they continue. When I call them back they refuse to tell me who they are and just hang up on me. The same guy hung up on me like XXXX times but used a different name every time I called.
Complaint sub-issue: Public record

Equifax verified this public record as accurate but I called my court house and my court house said, Equifax never called them or sent them any letter verifying this information. 
Now I am requesting the method of verification used to actually verify this item and according the case of XXXX XXXX XXXX v Equifax, XXXX XXXX and XXXX XXXX remember you have to do a real dispute and actually verify it. Hiring a 3rd party service does n't work for this purpose.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Under the recently passed No surprises act XXXX XXXXXXXX i believe debt collector Grant & Weber inc XXXX maliciously took advantage of a {$100.00} debt that medical provider XXXX XXXX XXXX  unfairly billed to me 1 year after the doctors visit which was in network through my medical insurance XXXX XXXX I went in for a routine XXXX XXXX screening which i have never done before XX/XX/XXXX. The bill came in 1 year later XX/XX/XXXX Saying i owed {$100.00}. When i spoke with XXXX XXXX XXXX XX/XX/XXXX they said the {$100.00} balance was due out of my insurance and i would have to pay this. Which i did not agree. Fast forward 4 years later to present this {$100.00} medical bill debt was purchased by Grant & Weber inc and maliciously placed on my credit XXXX XXXX XXXXXXXX XX/XX/XXXX . When i called Grant and Weber to resolve the issue to have this either paid or removed off my credit they would not help. This {$100.00} medical bill caused my credit score to go from a XXXX to a XXXX a XXXX point drop. I pay all my bills and my credit was in perfect standing prior to Grant & Weber inc to offer me a resolution prior to reporting to the credit bureaus.
Complaint sub-issue: Debt is not mine

When applying for a mortgage I discovered a debt listed on my credit report that I do not believe I owe. 

The account was for {$110.00} from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was dated as being opened in XXXX. 

I sent a letter to XXXX XXXX asking that they provide me with the amount I owed, the name of the creditor to whom the debt is owed, verification of the debt, and proof they were licensed to collect the debt. They failed to respond to my letter and I filed a dispute with all three credit bureaus which resolved in my favor and the invalid debt was removed from my credit report in XXXX of XXXX. 

Recently I received an alert from my credit monitoring agency and they informed me that this debt has reappeared on my credit report under a different company. 

Enhanced Recovery CO of XXXX XXXX XXXX, XXXX, FL XXXX is reporting that I owe them {$110.00} and they set the date of the collection as of XXXX/XXXX/XXXX instead of the previous XXXX date in attempt to prolong the duration this invalid debt would stay on my credit report which I believe is a misrepresentation of the debt and a violation of the Federal Fair Debt Collection Practices Act. Enhanced Recovery CO has also failed to send me an initial communication as required by the Colorado Fair Debt Collections Practices Act.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX
Complaint sub-issue: Information belongs to someone else

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 3 Credit Bureaus 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 items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP AN AUTO LOAN IN MY NAME. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED EUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard inquiry appears on my credit reports - XXXX, Equifax, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.
Complaint sub-issue: Information is not mine

I am aware that a dispute is in process and I am providing new information regarding one of the items being disputed. A fraudulent account was opened in my name with XXXX XXXX. I filed a complaint against XXXX XXXX and they responded with the attached letter telling me they are no longer reporting this account to the credit reporting bureaus however upon my personal research I found that this account is still on my Equifax credit report. I redacted text on the letter that is not relevant to my complaint however I do give Equifax authorization to call the number on the letter from XXXX XXXX to confirm that they have given me written confirmation that they are NOT reporting the account any longer.
Complaint sub-issue: Reinserted previously deleted info

Hunter Warfield has reinserted a collection to my XXXX credit report as of XXXX/XXXX/2017 in the amount of {$500.00} again as it has previously been disputed and removed.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Complaint sub-issue: Trouble with how payments are handled

My student loan servicer, FedLoan, has n't been properly designating payments of mine as qualifying for the Public Student Loan Forgiveness Program. Currently, FedLoan only has one payment on XXXX loan properly credited, when I know I have made dozens of qualifying payments. I asked FedLoan to look into this and correct the situation over 2 months ago ( I had also made a request over the phone prior to this, but I do n't remember the date ), but after following up a couple times, they still have n't corrected this. They indicated that it would take 90 business days to look into this and complete my request -- 90 business days is more than 4 calendar months!
Complaint sub-issue: Need information about my balance/terms

I have loans being serviced by Myfedloan. I am in an Income based repayment plan and have outstanding interest, which according to the IBR does not capitalize unless I no longer qualify or change plans. This year when I renewed my IBR, Myfedloan first claimed I no longer qualified, and then later that same day approved my IBR renewal. I happened to catch this because I was watching my loan closely. When they denied my renewal the interest capitalized and did not go back to interest with the subsequent approval. This seems like a very sneaky way of forcing interest to capitalize and, while this could have been a one off mistake, if it is being done systematically it needs to stop.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I have no idea what it is and why its on my report. I was a minor so i have no idea why theyre saying I owe anything. I would like proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from the company or who they are.
Complaint sub-issue: Received bad information about your loan

My student loan qualifies to be forgiven in two different ways : 1 ) I have paid every month on these consolidated loans from XXXX XXXX that is 25+ years AND before consolidation, I paid dating back to XXXX that makes 27 years plus another 7 years. This should clearly qualify for 25 years of payments, and thus be forgiven. 

2 ) I am a teacher. I have been a teacher the whole time I have paid these loans. I should have qualified for the 120 payments in XXXX or XXXX. I recently transferred this loan into the Direct Loan Program and sent in all the paperwork. Under expanded XXXX these loans should clearly be forgiven. 
__________________________________________________________________ -- I consolidated {$34000.00} in loans in XXXX ; -- I paid {$59000.00} over the past 25+ years ; -- I worked in public service that entire time ; -- I now owe {$65000.00} ________________________________________________________________ To qualify for the XXXX  waiver I transfered the loan into a DIRECT LOAN under XXXX XXXX in order to apply for XXXX. I consolidated into a direct loan on XX/XX/XXXX. 

I sent XXXX my XXXX certification from ALL THREE on my employers : I work 22.5 hours per week for one, 9.42 hours per week, and 13 for the third. This is 44.92 hours per week which is clearly over the 30 required. 

On XX/XX/XXXX, I received notice that the application for XXXX had been received by XXXX. On XX/XX/XXXX I received one notice saying the employment was NOT ELIGIBLE since I dont meet the qualifications for full time employment but if if we receive another certification of employment they will determine if it meets the qualification of full time. 

On the same day, I received a second letter which shows all three employers and the APPROVED EMPLOYMENT BEGIN DATE of XXXX and APPROVED EMPLOYMENT END DATE date of XXXX. 

Unfortunately, MOHELA does not seem to have any of my XXXX information. The loan transferred to them XX/XX/XXXX. The full amount of the loan is showing but nothing else. 

I am concerned since the end of XXXX ( and thus the end of the XXXX  ) is rapidly approaching. I do not want to be locked out of forgiveness AGAIN on a technicality. 

I attached copies of my payment history from XXXX, a deferment/forebarance history form XXXX showing a deferment in XXXX, my XXXX  employment verification from all three jobs ( which add up to the required hours ), the XXXX notices from XXXX. Is there some additional hoop I need to jump through?! 8 months is a long time to process something this important. 

_________________________________________________________________ ALSO just to clarify -- I emailed XXXX via their website with these concerns and did not get a response. I filed a complaint on Studentaid.gov and got no resolution. I also emailed MOHELA with no response. WHen I called the MOHELA automated phone system they says there is no record of my account. I am writing this missive while on hold ( AGAIN ) to speak with MOHELA. I have been on hold for an hour and a half the expected wait time today is 144 minute. I AM DOING EVERYTHING I CAN ON MY END!!
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On XX/XX/XXXX, I mailed a check along with the completed Bill of Sale and Odometer Statement to VW Credit for the purchase of my XXXX XXXX XXXX at lease end. The check was received by them on XX/XX/XXXX, per USPS tracking. 

On XX/XX/XXXX, at XXXX XXXX I called to find out when I would get the title. I was on hold for over 20 minutes before a CSR answered. The women I spoke to said it would take 10 days ; 3 days to process the payment, 4 days to print the title, and 3 days to send it overnight ( which I sent a {$15.00} check to pay for ). I was on hold for over 25 minutes On XX/XX/XXXX, at XXXX XXXX  I called to get clarification on when the 10 day period started ( i.e. when they received the check on the XXXX, or when I called on the XXXX ). I was on hold for over 45 minutes before XXXX answered. She put me on hold for a few minutes and told me it would take 38 days to get the title. I said that was unacceptable and she said the title department was behind. I asked to speak to someone else and was transferred to Nialy ( sp? ). XXXX told me that she would expedite it since I had already been told it would take 10 days. She put me on hold and came back a couple of times to tell me she was working with a supervisor. We then got cut off and the line went dead. 

About 10 minutes later XXXX called and said that XXXX had a problem with her phone which is why we got cut off. He told me that I needed to upload the Bill of Sale and Odometer Statement and that I would then have the title in 7 days. I told him that I sent them with the check and that they should have them. He just said that they didn't have them. I immediately uploaded them via their website. 

On XX/XX/XXXX at XXXX XXXX I called to find out where the title was. I talked to XXXX and explained why I was calling. She transferred me to the purchase department and I spoke to XXXX. He told me there was a problem with the Odometer Statement I submitted and I needed to submit it again. I asked him how I was supposed to know there was a problem since no one had contacted me and he said that XXXX had tried to call me. I do not believe that anyone tried to call or contact me or if they did they didn't leave a message as I never received a call or message. XXXX told me that once I uploaded the Statement it would take 5 to 7 days to get the title. I logged onto their website and uploaded the new Odometer Statement. There was no message there telling me about the problem with the first statement substantiating the fact that no one ever tried to contact me. 

I believe that they intentionally lost or discarded the first bill of sale and failed to contact me regarding the incorrect odometer statement because they are behind. If the delays were not intentional then they are indicative of institutional incompetence and disregard for their customers.
Complaint sub-issue: Account status

I pulled my credit report and saw that I had a collection account. I have never received a bill from the hospital and have never once been contacted by the hospital or by the collection agency that has since taken over the debt.
Complaint sub-issue: Information belongs to someone else

i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,
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 {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}, {$0.00}, {$8600.00}, {$5000.00}, {$6800.00}, {$670.00}. 
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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

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

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Complaint sub-issue: Their investigation did not fix an error on your report

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/2012
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Bureaus never did a proper " investigation according to the FCRA. 

The California Civil Code Section 1786.2 defines an " investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported. 

They did not do this. 

Also they have violated my rights even more, In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible when they never did a proper " investigation according to the FCRA ''. 

They also violated the law because according to 15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions