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

( # 1 ) Upon reviewing my credit reports, I found a collection account listed under a company called LJ Ross. On X/XX/17, I sent them a letter disputing the account. I requested validation of the debt. They were informed that if they can not validate the debt that as per FCRA 611 ( a ) ( 5 ) ( A ) they must delete it. They had 30 days to validate/verify this debt. ( # 2 ) This is proof that LJ Ross received and signed for the letter on X/XX/17. ( # 3 ) Collection letter from LJ Ross dated X/XX/17 received telling me that XXXX had turned this account over to them and that I had 30 days to dispute the validity of the claim, although I have proof that they had already signed for and received the dispute on this account. ( # 4 ) These are copies of the LJ Ross account on my XXXX account showing that they complied with the FCRA regulation to mark my account as disputed. They did this within the required timeframe. ( # 5 ) Letter from LJ Ross dated XXXX/XXXX/XXXX, This was a basic letter saying they received my dispute, they enclosed 2 statements and that was it. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized statement does not constitute verification. ( # 6 ) Copies of the XXXX statements sent with the above letter. ( # 7 ) My reply letter to LJ Ross dated XX/XX/XXXX. I let them know that they have AGAIN failed to provide me with any viable evidence of the account being reported accurately. They have basically put that account on my credit report, sent me an old statement with no proof and never responded again. ( # 8 ) Proof that the letter was received and signed for on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX- Contacted all 3 bureaus and XXXX XXXX, Home Depot , XXXX XXXX to report fraud. I submitted police reports and identity verification. Disputes were open but nothing was done. 

XX/XX/XXXX- Contacted all 3 bureaus again ( XXXX XXXX XXXX XXXX XXXX ). Verified police reports were received and identity was verified. Disputes reopened. No accounts resolved XXXX and XX/XX/XXXXXXXX Contacted multiple times and opened more disputes. Nothing was resolved. 

As of XX/XX/XXXX- More disputes opened to dispute fraudulent items. Have to wait until XX/XX/XXXX for updates.
Complaint sub-issue: Public record information inaccurate

Since XX/XX/2021, I have notified Equifax that they are reporting inaccurate information regarding an alleged bankruptcy and they still have not provided the information to show that they are reporting complete and accurate information : XXXX XXXX XXXX XXXX FLORIDA | DOCKET # XXXX | Date Filed : XXXX XXXX XXXX XXXX XXXX  | Status : Discharged Your cooperation in this matter will be greatly appreciated.
Complaint sub-issue: Fraudulent loan

My contract is fraudulent due to me having to put a down payment down on the vehicle, vehicle total price is {$49000.00} Flag ship is the financing company
Complaint sub-issue: Information is missing that should be on the report

Equifax did not have my loan info. on file, so I added it, when I did it suddenly showed 2 installment loans. I deleted the one and then they showed NONE on my report taking my credit score way down. I filed a dispute with them, they did NOTHING once again, I can not get them to answer me on the phone why this is not on my report, I gave them the loan #, the amt. the everything but yet EQUIFAX refuses to fix my credit score. Why are they allowed to play games with peoples credit when they are supposed to be regulated? I have asked you for help before and YOU did NOTHING .... XXXX is it going to take????????????????????????????????????????????????
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reached out to the credit bureau via called, faxed and mailed and no action have be taken with the unauthorized inquiries. can you please help me out. 
THANK YOU.
Complaint sub-issue: Information belongs to someone else

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Can't close your account

On XXXX XX/XX/2022, I instructed Upgrade Inc ( XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX, AZ XXXX ) to close XXXX lines of credit I had with this lender. Upgrade Inc indicated that it would take up to 10 business days for their " back-end servicer '' to close the accounts. More than 10 business days later ( XXXX XX/XX/2022 ), the accounts have yet to be closed and Upgrade Inc will not provide any updates or further information regarding the status of these accounts or my previous instructions to close them. The delay/refusal to close my credit accounts is exposing me to personal risk in the event that my card information is stolen and used fraudulently : I would ultimately have to plea my case that any fraudulent transactions were in fact unauthorized/fraudulent, which would cost me time and possibly money.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously notified Equifax that I am a victim of identity theft
Complaint sub-issue: Their investigation did not fix an error on your report

I applied for student loan assistance during the forest fires in California  because i was affected. The loan program said they would give a 1 year of none payment assistance and that i qualified for this based on my zip code. For whatever reason the loan reported that i did not make any payments. This resulted in lowering my credit score. When i spoke to the credit reporting company they said they cant do anything about it. When i spoke to the student loan people they said it was a mistake but that they can not fix it with the credit reporting company and that i would need to do that on my own. Neither party wants to help in correcting this mistake.
Complaint sub-issue: Received bad information about your loan

I took out $ XXXX of school loans for a degree. he loan went from $ XXXX $ XXXX and it keeps growing. $ XXXX in 8 yearsand no one is helping me. 
Its a Federal school loan.. 

I am in financial ruin.. Threats of increasing interest rates from the people at AES. I am being old i now have to agree to pay $ XXXX in additonal interest, to transfer my loan again to another federal program..i owe $ XXXX, not {$130.00} but they say i owe them the money. Its not fair, its not true, I have been not paying because my loan repayment and interest rates are fraudulent. 

* failing to count qualifying payments that were made to previous servicers ; * failing to count qualifying early payments that were not received within the billing period ; * falsely reporting to third parties that students loans were in default when they were current.

* Increasing and decreasing interest rates without communicating with me or letting me know.

* Outrageous interests rates and hiring predatory loan collectors.

* Trying now to get me to re-consolidate in order to get off my credit report. I cant agree to a reconsolidation when this original loan is fraudulent. 

No one is helping me. I tried calling attorneys, I tried calling consumer advocate groups. No one is helping because this is a FEDERAL LOAN. 

I need help! This is ruining my life, I cant buy a house, I cant buy a car, I cant do anything. My credit is shot $ XXXX in interest in 8 years>? I need help! My entire family is on the verge of homelessness because of this outrageous loan. I dont know where to turn.. 

I need help please. 


XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I submitted a request of investigation on my credit report via United States Postal Service on XXXX20 to XXXX, Equifax and XXXX. I have not received a response from neither company.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I went online to get a copy of my credit report and credit score. I was told to call XXXX and give them a reference code of XXXX. Once I had a representative online, they text me a link in which they wanted me to upload my Texas ID front and back and take a picture to verify my identity. I complied. Then she said that the address they had on file was not my address XXXX XXXX  XXXX XXXX  XXXX XXXX Texas XXXX she said she needed me to fax her my 1099, Texas ID, Social Security number, along with a reference stating that this information was to prove my identity and update address. 
Please see attached Confirmation to the fax number given to me by equifax information services. ( XXXX ). I faxed the requested documentation of my Texas ID, My XXXX ( proving my current ) address as well as my social security card.I called back today to check the status of the information I sent and was told by a " supposed '' Office of Consumer Affairs Supervisor ( XXXX XXXX ID XXXX ) that they have not received my information and that my information might have been dis-guarded because it was not the correct information. I explained to her that this was the EXACT information that was requested from me and she said well you need to mail it because we don't have it. When I inquired where my PERSONAL PRIVATE information was that I sent to a " supposed '' secure fax number that was given to me by her equifax representative, She said she did not know. I asked to speak to someone high than her that could assist me with finding out where my PERSONAL PRIVATE information went, as it was supposed to go to them, SHE WAS EXTREMELY RUDE AND UNPROFESSIONAL, she declined and said that she was the highest person that I could talk to. I asked for her supervisor and she said no, she was the highest person. I told her that it was against the law for her not to let me know where my information went and that she was violating my rights not attempting to assist me. She responded by saying that we were going in circles, that she is the only person that I could talk to, there was no one higher than her, then she proceeded to disconnect the call without assisting me in any way.
Complaint sub-issue: Public record information inaccurate

I sent written disputes out but also wanted to advise and request for help. There was just a tax lien added on my personal credit file stating I owe the IRS 130k which is 120 % inaccurate. I want this inaccurate information removed off of my credit file ASAP. How does the credit agencies obtain there information? Do they verify such inaccurate information with the IRS? How can the a credit reporting agency add information to a consumers credit file without validating it first? I do not owe anything to the IRS and that is CONFIRMED.
Complaint sub-issue: Can't decrease my monthly payments

The interest rate is 7.5 percent, which is so high I 'll never pay this loan off.
Complaint sub-issue: Their investigation did not fix an error on your report

I have this issue with both Equifax and XXXX. They are reporting the same debt twice on my report. The names of the company are different, but it's the SAME DEBT being reported twice. The names of the company are different and the amounts owed are different by as little as {$100.00} and as much as {$2000.00}. I have called, written letters, and followed their instructions to the letter, and it has only made it worse. They are also ALLOWING companies to renew the date when it comes close to 7 years and the debt dropping off. It borderline on being CRIMINAL. They hold me to higher standard, yet they openly and blatantly break the rules. Especially for those of that are are paying our debts, and trying to fix our credit. For example, they will say you don't have enough credit cards. Then when you apply, receive the card, maintain a XXXX balance BOTH credit companies say, you havee too many credit card accounts. I believe YOU GUYS ARE WELL AWARE that these2 credit reporting agencies, ESPECIALLY, engage in this practice. I know someone that has near perfect credit, and AS SOON as it nears OVER 800, both Equifax and XXXX DROP the score and come up with RIDICULOUS reasons they've dropped the score. How can you guys sleep at night knowing that those of us withcredit issues, ARE DOING TGE RIGHT THING, CONTINUE to be taken advantage of. It's RIDICULOUS. I'd bet money that ALL of you reading and responding, and coming up w excuses have NO CREDIT issues. Equifax AND XXXX reports have kept me from getting jobs, getting suitable housing and bettering our lives, because their shady practices. PLEASE HELP!!!
Complaint sub-issue: Public record

I filed a complaint with the reporting agencies stating that the stated Delinquent account reflecting as an FHA Mortgage Loan-XXXX XXXX XXXX is inaccurate. According to FCRA and Public Record Law the subscriber has to show proof on demand of the inaccurate information. The agencies have refused to provide the verification. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 7 years. The credit agencies have stated I can no longer challenge this negative entry which is against FCRA law. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Unexpected increase in interest rate

I contacted this company about why my interest rate went from 19.99 % to 29.99 % without notice. first they said that is my interest rate. when I replied by secure mail on Citi 's website, on XX/XX/XXXX, they replied that the current rate is plenty APR due to a missed payment. I then replied that I have never missed a payment nor have been late in payments. I then replied ; Please send me proof of the missed or late payment. They replied ; We show a missed payment in XX/XX/XXXX and referred to the terms and conditions my account will stay in penalty rate for 12 months if I do not miss a payment or late on payment. I replied ; ; That if I did miss a payment in XX/XX/XXXX, it is now 18 months and my interest rate remains at 29.99 % I also informed them that I will not be using their product and will be paying off the balance and closing the account. I have not received a reply since.
Complaint sub-issue: Public record information inaccurate

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made purchaseson XXXX that was opened and XXXX refused to refund along with my credit card companies refusing to help me dispute. I had video and photos but the credit card companies are refusing to do anything to help
Complaint sub-issue: Account terms

its said I have a outstanding balance dated XXXX XXXX XXXX when I was incarcerated from XXXX XXXX XXXX to XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I received a copy of my credit report XX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX who has reported that there was a late payment XX/XX/XXXX. 

1 ) I contacted first progress in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.
Complaint sub-issue: Information belongs to someone else

There are items on my credit report that are violations of the FCRA Its a defamation of my character.
Complaint sub-issue: Information belongs to someone else

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. 

Please remove this fraudulent account. 

Account Balance {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several attempts to get this collection removed from my credit report and Equifax refuses to remove it even after several violations of my consumer rights. 
XXXX. XXXX XXXX XXXX is not licensed to collect debt in the state of Alabama. 
XXXX. A collection account can not have an open status. 
XXXX. A collection can not have a balance increase. 
XXXX. In order to purchase a collection there must be a contract with the WET signatures of all parties involved and Equifax nor XXXX XXXX XXXX are able to provide the contract.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also States a consumer reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as a late for any purpose.
Complaint sub-issue: Received unwanted marketing or advertising

I was the victim of a scam and did not realize it until the XXXX XXXX notified me, I tried to close the account. and as far as i know the XXXX XXXX would not close it but kept it open and took my final check for doing work for a social security special needs person, they said i told the bank I that I needed to buy a new wheel chair so that i took the money out of the account, I DID NOT EVER SAY THIS TO ANYONE AT THE BANK, It is a total lie, and then this credit union let the money they stole from me and what they lost and said I did this on purpose, i did not!!!! They turned me into a place called XXXX XXXX  that people that continually over draw etc, a put on a 'bad ' risk list and are unable to get checking accounts.. Until the pandemic messed up my whole life I have had checking accts since I was XXXX and NEVER OVERDRAWN. I have lost everything - had to move in with my brother because the XXXX XXXX took the money I needed to live on, I have been threatened by the scammers and they have posted bad things about me too, The XXXX XXXX has posted lies to get even with me getting scammed. i did not get scammed on purpose, i believed that i could get help to get out of this mess the pandemic has put me in, Instead of helping me the credit union made things 10 x worse for me and when i spoke with them, they acted like it was all my fault, credit union is XXXX XXXX XXXX XXXX in XXXX XXXX
Complaint sub-issue: Information belongs to someone else

sent ftc and police report to equifax
Complaint sub-issue: Debt is not yours

TRS Recovery Services contacted me about a returned payment from XXXX for {$17.00}. A statutory returned check service fee for XXXX was also issued. The total amount coming to {$41.00}. The item was returned to XXXX ( backup attached ). XXXX has confirmed this item was returned. This is now considered resolved and TRS will need to close.