Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax stored my information insecurely, putting myself and family at risk. Furthermore, they are currently unavailable for " XXXX '' requests as of XXXX/XXXX/17.
Complaint sub-issue: Debt is not mine

I am being wrongfully charged {$200.00} from this collection agency on behalf of XXXX. I have spoken to XXXX and they have no recollection of this account. It appears someone is opening accounts without my knowledge. This account is on my credit report and affecting my credit score, I am requesting it be removed as this is NOT my account. I have never opened an account with this company and do not owe them money. I am being charged {$200.00} through the collection agency ENHANCED RECOVERY COMPANYXXXX XXXX XXXX, XXXX ( XXXX ) XXXX have tried contacting this agency to no avail.. I did not receive any notices until I checked my credit and saw this charge on it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquiry XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I try explain to them these inquiry were done without my permission
Complaint sub-issue: Can't get other flexible options for repaying your loan

The balance on this loan doesn't seem to ever decrease as they continue to increase interest, fees, etc. I want this forgiven due to the debt already paid. I called and spoke to service provider AES who has nothing to do with making any arrangements and called national collegiate and was told they can't do anything. Please review, is there a promissory note, this is unfair that I can't get any answers or assistance. 
Originsl balance, {$29000.00} int 6.75 %
Complaint sub-issue: Account status

Equifax fails to remove the XXXX XXXX XXXX XXXX. account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX XXXX XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hunter Warfield a debt collection agency based out of XXXX, Florida whose Ein number is XXXX, the registered agent name is XXXX XXXX, have been damaging my credit for over a year now. The alleged creditor is suppose to be the XXXX complex located iXX/XX/XXXX Georgia. First after checking the Georgia Secretary of the State business registration website, Hunter Warfield is not registered on the Secretary of the State data base as registered to do business in Georgia. Second, I never gave permission for Hunter Warfield to have my Social Security account number, they are in violation of 42 U.S.C 408 Penalties, which is a federal offense. Third Georgia Law regarding rental properties clearly state as far as security deposits, a move out inspection must be performed and the parties signature must be affixed. 
7. Security Deposit Move-out Inspection. Landlords who own more than ten ( 10 ) rental units, including units owned by their spouse and/ or children, or who employ a management agent, must adhere to a formal inspection process or forfeit the security deposit. 
Within three ( 3 ) business days after the lease terminates, or a reasonable time after the landlord discovers the tenant vacated, the landlord must inspect the unit and prepare a list of all damages and the estimated dollar value of such damage. The landlord must sign the list and provide it to the tenant. '' After disputing the debt Hunter Warfield committed violation 15 U.S.C. 1692e, along with 18 U.S.C.1341 by sending a statement of fraudulent damages not signed by a landlord which is a must according to Georgia rental law! Hunter Warfield to add insult to injury keeps adding interest on to the debt reporting the fraudulent debt to the credit bureaus. If damages were left why is it that the current apartment complex who called the XXXX to confirm verification was not informed of damages? Why is the damages statement not signed by I the tenant or the landlord? I have uploaded all proof by documentation. Hunter Warfield is trespassing on my constitutional protections to life liberty and pursuit of happiness I have plans on buying a home or moving to a more striving area and can't do that because of Hunter Warfield refuses to follow the law. Last in good faith I sent Hunter Warfield a notice stamped with a money order for discharge and they up until this day haven't accepted the payment which under U.C.C 3-603 is discharge whether accepted or not.
Complaint sub-issue: Information belongs to someone else

Have a fraud report number XXXX. Involving XXXX account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX Bank. Review Documentation. Fraud accounts must be removed ASAP according to FCRA guidelines. I will also be faxing documentation over
Complaint sub-issue: Account status

Dispute with Equifax with no results. Company illegal re-aged debt and provide incorrect information on credit report in direct violation of FCRA 623 ( 5 ) ( A ). Account dispute in Question : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX This account has been removed from other credit reporting agencies due to this fact.
Complaint sub-issue: Was not notified of investigation status or results

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Two unauthorized inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX on XX/XX/2018 and XX/XX/2018. 

I called them and they said they did not check my credit. I opened an investigation with Equifax and Equifax confirmed the inquiries.
Complaint sub-issue: Debt is not mine

I have had repetitive phone calls ( a recorded message ) telling me that this is a debt collector and to call XXXX and give them this # : XXXX. I typically hang up but have grown tired of the calls so I called the number. There were XXXX recorded options : Press XXXX to pay the debt, Press XXXX for a 'settled in full ' letter, Press XXXX for wrong #, Press XXXX to speak to an agent. I pressed XXXX and asked the agent ( with an XXXX accent ) why I was being called as I have NO debt. He said he would check my info and shortly we were cut off. The company says it is XXXX.
Complaint sub-issue: Information belongs to someone else

When I checked my Equifax credit report I noticed that there is duplicated hard inquiries on my Equifax report, please remove duplicated inquiries below XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 2021
Complaint sub-issue: Debt is not yours

I received an email from this company that I could not open. I sent email to medical coordinator at a doctor office. On my first time at the doctors office I signed documents but none of them was this company, loan hero. Their contract was signed by the coordinator and not me. I never consent, agreed, or even seen any part of their contract until about one year later when XXXX XXXX provided me a copy. Their contract was signed st the doctors office on a day I was not there. This means it was signed by the office and not me. I never signed or agree with this company loan.
Complaint sub-issue: Problem with personal statement of dispute

Corelogic Rental Property Solutions er roneously reported a judgment on a search. I have been trying to get in touch with them since  X/XX/2017    and have had no success. Time is of the essence. We can not purchase a co-op until this is removed. I need them to update their and issue a letter ASAP. See attached info.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I've purchased a product from a third party on XXXX for {$960.00}. After 30 Days, the product was not delivered, so I tried multiple times to get it. After 15 days I gave up, bought a similar product in another place, and cancelled my order with XXXX. Because it was an expensive item, and the third party vendor didn't act in a reliable way, I've open a dispute on Citi Double Cash Credit Card. 

Initially, Citi gave me a provisional refund, after I sent the documentation from XXXX proving that on XX/XX/XXXX the money was refunded back to Citi 's Credit Card. For my surprise after 15 days of their " internal investigation team 's '' work, the refund was removed from my account. 

After that we started a monthly process were I called them again, resent the proof, got the provisional refund and that it was removed again. This has been dragging since XXXX. 

On XX/XX/XXXX this {$960.00} was paid in full along with the rest of the credit card 's balance. In the attempt to get my money back from Citi, once XXXX did it's part, I was able to get the banking transaction ID and sent it to Citi Double Cash Credit Card on XX/XX/XXXX. 

It is unbelievable that Citi doesn't have a single place in their website or e-mail to place a complaint. Either you chat online with a robot that takes you nowhere, or call the XXXX number to get the same result over and over again. 

Citi 's dispute process has proven to be so inefficient and not consumer friendly, that I've decided to place this complaint with the CFBP that is very well respected, hoping that we can get a quick and friendly resolution.
Complaint sub-issue: Debt was paid

Today, XX/XX/XXXX, I received notice that I had a credit alert that a derogatory mark was placed on my file. I contacted the agency listed, National Recovery Agency, at XXXX and was advised that I owed a debt of {$270.00} from XXXX to XXXX XXXX XXXX. They advised the notice that was mailed to me was in XXXX. I advised this debt was paid to the original creditor and asked how they can all of a sudden begin credit reporting me without contacting me. I have lived at the same address since XXXX so they had plenty of opportunity to reach me. I asked how to go about providing proof that this debt was paid and that I would absolutely not be paying them, to which they kept giving me information that the dental office stated ( such as last payment date, etc ). To be honest, I became extremely angry because it was like talking to a wall. I can clearly provide proof this debt was paid, and was given NO information on how to go about doing so. If they simply contact the company that hired them, they would know immediately they are attempting to collect on an invalid debt. So in summary, I paid for dental services directly to the company that provided the services back in XXXX, but this debt collector is coming out of nowhere 4 years later by hitting my credit report, with absolutely NO ATTEMPT AT CONTACTING ME.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. - XXXX XXXX XXXX / ACCT # - xxxxxxxxxx XXXX., has violated my 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Information belongs to someone else

I don't recognize this accounts, never applied for it. I never sign any contracts or agreements with this companies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone has tried to get Unemployment in my name and Also receiving cards to activate from XXXX  XXXX and XXXX XXXX  so far for me to activate when I NEVER applied for ANY of it
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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt  my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Complaint sub-issue: Card was charged for something you did not purchase with the card

First Incident-XXXX XXXX, XXXX XXXX never delivered the item- but was charged a return shipping fee- As I was tracking the item it stopped midpoint- I called and was tole that the driver had to leave for the day and that it would be delivered the next day- it was never delivered- spoke with XXXX and Citibank both which alleged that there was an attempted delivery- false as the recipient was on the line with me and XXXX NEVER attempted to deliver- than the item was out of stock so they alleged Amount to be returned {$11.00} Second Incident- XX/XX/XXXX, XXXX Never charged the amount of {$85.00} by XXXX and placed in dispute pending copy of receipt and proof of charge- Citibank never provided yet indicated that the dispute was resolved not in my favor and recharged the amount back to my credit card- Fraud
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately.
Complaint sub-issue: Problem getting my free annual report

i was unable to get my credit report from XXXX it was with equfiax in which it lead me to the Equifax website. At that time i had to purchase the Equifax products in which the company was automatically taking funds in the amount of around XXXX out of my account each month without my consent. I contacted the company to stop the transaction but they continued to withdraw money for about 6 months. That happened XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I tried " XXXX again, in which Equifax denied me again and i had to purchase the products of getting my credit report and score in which i was charged again but this time XXXX for 6 months.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/1983 please be advised that a copy of this letter has also been sent via certified mail. 

the equifax, XXXX and XXXX credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with equifax, XXXX or XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXXXXXX  XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX -or- XXXX  Fraud Victim  Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : DISCOVER BANK XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

citibank has conintinued to harass me at my work and through letters in mail of a card that was opened under theft identity fraud that i have filed with the police in nys. 
i did not know of this card or charges. they continue to harass me under this assumption that they mailed the card it is my debt to an address, where i was renting the house out to someone that did indeed use my identity and open several accounts and i have given the suspects name to ftc and police and the creditors. they have not supplied any documentation to show i signed for the card or authorized anything as i did not know about this account.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute all not mine
Complaint sub-issue: Debt is not mine

XXXX WRONGFULLY discharged a XXXX BALANCE SUBMISSION TO XXXX, was handed over to very UNPROFESSIONAL acting Debt collection service company called " Professional Credit Service '' of which whom made threatening harrassing phone calls, NEVER ONCE ADMITTING TO MAKING THREATING CALLS, BUT DID N'T EVEN BOTHER TO LOOK AT A XXXX BALANCE BILL!! INCREDULOUS! XXXX FINALLY MADE RIGHT THEIR WRONG, BUT PROFESSIONAL CREDIT SERVICES, STILL HARRASSING & VERY WRONG IN THEIR ACTIONS, OWES " ME A PAID IN FULL NEVER OWED CREDIT IN FAVORABLE STANDING LETTER AS PER XXXX LETTER STATES '' OR LEGAL ACTION PENDING WILL BE CARRIED OUT HENCEFORTH!
Complaint sub-issue: Account status

Equifax has been manually updating my credit report as part of numerous disputes of inaccurate data and credit reporting. There are over XXXX complaints through this portal alone. 

I attest that I am XXXX XXXX, and the owner of all verbiage in this complaint. I do NOT agree to have this complaint dismissed through this portal, as this is part of the trend of inaccuracies I am being forced to identify and remedy. 

The XXXX - Lost Stolen Card account is now incomplete. FCRA - states that such an inaccuracy must be deleted. 

Account is not complete, and therefore is inaccurate, Equifax updated this account manually. 
No Account owner is listed No Terms The Type of Account is inaccurate - and is now blank High Credit has been orphaned - and is now blank Credit limit is not correct - its now now blank Activity Designator must say closed, and it does NOT, for a lost or stolen card The Payment History - has been deleted
Complaint sub-issue: Their investigation did not fix an error on your report

i have contacted all XXXX credit bureaus challenging the accurate and factual reporting of XXXX XXXX multiple times ... ... .each time the account has come back verified... how is this possible when there are so many inconsistencies in the reporting between the XXXX bureaus ... .. they should all be reporting the same thing if this is verifiable and they're not ... .they did not conduct a proper investigation ... ..all of the information is on the attached copy of my credit report with all of the inconsistencies in the reporting circled
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on XXXX  and Equifax Credit Report. I have wrote in to the agencies and XXXX  still has not corrected this matter. Equifax and XXXX   have add the account but incorrectly and the payoff didnt increase my credit score.