Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Indicated you were committing crime by not paying debt

In XXXX of 2020. A customer representative from XXXX XXXX XXXX contacted via telephone and informed me that I owed a debt to The XXXX XXXX XXXX XXXX  in XXXX, Al. He said I owed {$4200.00} and that it was illegal for me to just break my lease and leave. He talked about suing for the money owed. I explained to him that I turned in a 30 days notice to the leasing manager due to an unsafe environment. He asked why I left and I explained that the US MARSHALS kicked in my neighbors door. And we found out that it was because of drug activity and they were wanted on other felonies. It was a very unsafe environment and after finding that out I could no longer have my daughter living around that. I made my concerns known to the leasing manager on several occasions. And the people were still allowed to stay in the apartment. Which they were suppose to be barred from the premises. I continued to call the leasing manager and make my worries known. The customer service rep stated how I was in the wrong and continued to bagger me. Then a month later I get a notice in the mail from XXXX XXXX that I Wanted a dispute. And they sent me a copy of my lease.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like XXXX XXXX, Equifax and XXXX  are reporting things against me they can not substantiate. 
What can I do?
Complaint sub-issue: Problem during payment process

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Reporting company used your report improperly

So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Their investigation did not fix an error on your report

All three of the credit bureaus only updated the file in XXXX XXXX on my credit reports which proves they were reporting incorrectly for years. None of the bureaus removed this fraudulent information from my credit report. 

This is my second attempt with the CFPB to get this removed and I cant count how many times I have asked each bureau to review this account and it continued to be incorrect. 

This complaint is a continuation of CFPB complaints submitted XX/XX/2021. 
XXXX XXXX XXXX I am under the impression that all three companies rushed through this process and reported back that the investigated and updated the accounts when they actually did nothing. 
Please assist me in getting this fraudulent account deleted.
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/XXXX To Whom It May Concern, I signed a contract with XXXX XXXX, XXXX, XX/XX/XXXX, and called to cancel in XXXX of XXXX due to hardship. My account was current when I tried to cancel but the company stated I had 72 hours from the time I signed the contract to cancel. The contract contains no information on a cancellation policy. XXXX XXXX would not cancel my contract but closed my account in XXXX of XXXX. I have had no access to their program or software since, but they have continued to charge me for their services. 

I recently found out with the help of legal professionals in the XXXX XXXX that XXXX XXXX   opened a revolving line of credit in my name when I signed said contract. I gave XXXX XXXX a {$250.00} deposit when I signed the contract under the impression that I would be paying them the money, and made 2 monthly payments of over {$200.00} for XXXX and XXXX. I never authorized XXXX XXXX   to open a revolving line of credit in my name nor was I aware that is what the company would do. I never signed a contract with anyone other than XXXX XXXX, XXXX. 

In XX/XX/XXXX, a company by the name of Omega RMS placed an account in my name for collection and reported this to the credit bureaus. They are currently reporting I owe {$15000.00} to XXXX XXXX and continue to add late fees and interest every month. Again, I do not currently have access nor have I had access to any products or services offered by XXXX XXXX since XXXX of XXXX and I was not aware they would open a revolving line of credit in my name. 

I paid XXXX XXXX for their services until the time they closed my account and would like to ask Omega RMS and XXXX XXXX to clear this debt in my name completely, and to remove this debt from all credit reporting agencies. This has caused me extreme emotional stress for many years now and is the one thing that has kept me from purchasing a home for my children. 

I have paid dearly for signing a contract with a company that uses deceptive tactics and lures people into contracts they can not cancel. At the very least I am sure that by most states standards I have likely reached the statute of limitations for this debt since XXXX XXXX, XXXX closed my account in XX/XX/XXXX and would ask that any government official or credit agency official authorized remove this debt in my name. 

Sincerely, XXXX XXXX.
Complaint sub-issue: Other problem getting your report or credit score

I contacted Equifax because numerous accounts are missing from my file and I was told that my file was split. This keeps happening and they keep requesting the same identification every time this happens. It's ridiculous, my credit score and file has been affected because of this constant issue with equifax.
Complaint sub-issue: Personal information incorrect

I have requested that Equifax update my address on my credit report to reflect my only address which is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX and they have refused on both occasions. I used their online portal three times and they still have address on my credit report that I do not live at. They are as follows : XXXX XXXXXXXX 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: Investigation took more than 30 days

This is my second and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Complaint sub-issue: Account status incorrect

My student loan servicer is XXXX They decided that they would just report me to collections because they " couldn't get a hold of me ''. which is absolutely ridiculous considering they have my cell phone number and I have been making all my payments. 

I requested they remove the negative reporting and they told me that the bureaus are the ones that remove that not them. I told them that is not the case since I work with credit all day and I know how reporting works. 

They again said they can not produce any documentation to show what they did was inaccurate. I am in the process of refinancing a number of my mortgages and this is causing a distress to me and considering this is all inaccurate I need it removed right away and they are giving me the run around.
Complaint sub-issue: Public record information inaccurate

I have disputed a bankruptcy that is appearing on my credit report ( s ) multiple times as having incorrect information and therefore causing me to think I was a victim of identity theft. Ive disputed multiple times, and even requested them to provide me with the the method of verification. When I was supplied the method of verification, it even listed a completely different court than is currently showing on my credit report. I need the bankruptcy that is showing on my credit report removed as soon as possible, as the incorrect information is damaging my ability to obtain credit and hurting my good name.
Complaint sub-issue: Charged too much interest

Citibank Credit Card offered a loan transfer for high interest credit cards. 

I accepted it. I no longer use the card except to repay the loan transfer. 

Citibank charges me more than 50 % interest on payments. For example : the bill this month was {$170.00}. {$100.00} was for interest. {$68.00} went towards payment of the debt. The principal is NOT decreasing. 

I called to ask for lower interest. But received nothing. 

Citibank is charging me a usury rate of interest. I may refuse to pay them anymore until they lower the interest.
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 below. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXXXXXX 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 DPT EDXXXX 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 XXXXXX/XX/XXXX
Complaint sub-issue: No notice of investigation status/result

Filed a dispute with Equifax had some accounts deleted off my credit due to the fact that do n't belong to me ... These accounts have since been added back.. Never received a letter informing me if adding these accounts back. This is illegal please assist me in this matter.
Complaint sub-issue: Debt was paid

I have a collection on my credit from XXXX for about {$230.00}, but there was already a payment made to them and settled the price for over {$500.00} that I've already paid. I havent had XXXX in years and already made my payment to them to zero out the balance of what was owed and I absolutely refuse to pay anything else do to the fact and this already being established and now a new charge appears out of no where after I've already paid everything I owe to them after not having service with them in 2 years or longer.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a joint account for a mortgage loan that was included in my previously discharged Chapter XXXX. The loan was sold to a different company thats trying to illegally Re-report the same discharged debt. Ive repeatedly reported to Equifax that this account should be removed from my file. They would take it off then it would reappear months later. The company is XXXX XXXX XXXX. This company is willfully violating the Fair Credit Reporting Act. Equifax is allowing them to do so by not removing this completely from my file. XXXX and XXXX   already removed from their file.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/21 I sent via mail to all 3 of the credit bureaus requesting ( 7 ) inaccurate information be deleted from my credit report. 

Please note supporting evidence has been produced under the doctrine of estoppel by silence Engel v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debts nor therefor any such debts in fact exists.
Complaint sub-issue: Debt was paid

Upon the end of my service contract with XXXX XXXX I had a balance of XXXX on my account and I decided to go with XXXX XXXX XXXX with a new service contract app on the switch I had made sure I did not owe XXXX any money and after the switch I received bills from XXXX saying I owed money for early termination fees which is not possible considering I switched carriers at the end of my service contract I have tried to resolve this matter with XXXX with no success
Complaint sub-issue: Was not notified of investigation status or results

I AM XXXX XXXX AND I'M SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS NOT TO VALIDATE THESE ACCOUNTS, IT IS REQUEST THE METHOD USED TO VALIDATE THESE ACCOUNT, WHICH IS MY RIGHT PURSUANT TO 15 USC 1681i ( 7 ). I UNDERSTAND THESE ACCOUNTS INCLUDE STUDENT LOANS, PURSUANT TO 15 USC 1681B ( A ) ( 2 ), I DID PROVIDE YOU PRIOR CONSENT NOR IS THERE ANY PERMISSIBLE PURPOSE TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT. THIS IS A VIOLATION OF MY CONSUMER RIGHTS LEAVING YOU LIABLE CIVILLY/CRIMINALLY PURSUANT TO 15 USC 1611 AND 15 USC 1640. I ALSO UNDERSTAND THAT THERE ARE ACCOUNTS SHARED FROM MEDICAL PROVIDERS. PURSUANT TO 15 USC 1681A ( 3 ) ( A ) ( B ) ( C ), THE SHARING OF MEDICAL INFORMATION AND PAYMENT TRANSACTIONS FOR MEDICAL SERVICES ARE A VIOLATION OF MY CONSUMER RIGHTS.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax about fraudulent inquiries on my report. I contacted them orginally 14 months ago concerning these inquiries. 
I was instructed to file a FTC report which i sucessful completred and forwarded to Equifax. They have refused to removal all the inquiries that were indicated as fraudulent and ones the did remove have returned on my report! 

I have not requested business with the companies conducting the inquiries and have no accounts on my current or previous reports with these companies. 

The following inquiries as you can see or on the FTC report that I filed as fraudlent XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX CAPITAL XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA The above mentioned inquiries were removed and now have reappeared on my credit report. 


XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX These items are included in the FTC report and was stated to be deleted by Equifax but yet they still remain.
Complaint sub-issue: Account information incorrect

I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of LaborXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX  XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor i n me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the XXXX XXXX XXXX XXXXXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXX Networking. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. Department of EducationXXXXXXXX forgive debt of {$33000.00} as XXXX XXXX XXXX took advantage of me which resulted to predatory lending practices.
Complaint sub-issue: Personal information incorrect

I received my credit report XX/XX/XXXX and found that someone obtained credit in my name XX/XX/XXXX and applied for numerous amounts of credit so I contacted Equifax and XXXX XXXX and XXXX about several incorrect addresses and unauthorized inquires on my credit report. The last letter sent was XX/XX/XXXX. I want the unauthorized inquires deleted and fraudulent addresses deleted.
Complaint sub-issue: Was not notified of investigation status or results

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and even though 2 bureaus stated they would begin the investigation and forward me the results, I STILLl have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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 Equifax was XX/XX/XXXX, 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. Below are the lists of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have called numerous times complaining about high monthly payments at least 5 times since last XXXX as I am still currently in school. They said there was nothing they could do. On months when I make a payment late, they call over 20 times a day often 5 times in a row during the work day or very early morning. I have told them to stop calling and then they call right back.
Complaint sub-issue: Problem with fees

I have a citibank card that had no balance. I turned off the autopay during the COVID19. I used the card and forgot the autopay was off. I made a payment after the date when I logged in and saw there was no payment made. Then I was charged a late fee of {$29.00}.
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 {$0.00}, {$0.00}, {$110.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 2. XXXX 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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.