Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Collected or attempted to collect exempt funds

Received a phone call on XX/XX/2021 called refused to use identify themselves until I stated my name. Once I validated my name they continued and claimed to be from a bill collecting agency and was calling in regards to an old balance from a past rental company for {$2200.00} and that if anyone else was in the room the call would be ended for security purposes. I informed them my funds come from my work and I would have to wait for each paycheck through the month of XXXX to pay the whole bill. That was unacceptable so I agreed to pay XXXX on XX/XX/2021. After that amount was transferred we agreed on XX/XX/2021 for the remaining amount to be processed. Due to lack of funds it bounced and I received a phone call on XX/XX/2021 and while I was trying to calmly and politely explain the situation and give a definite date for the payment I was yelled at and my credit threatened then at their mercy I was transferred to another person and told to get a payday loan. XXXX when I had called them upon their answer laughing was heard and thereby breaching the security and legitimacy of the company claims. 
*I have never received a letter claiming the outstanding bill or services are legitimate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Equifax to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.
Complaint sub-issue: Received bad information about your loan

I have not been updated on the status of public service loan repayment application. I am XXXX XXXX military. More than two months after I submitted the application, I called for an update because the application status isnt listed on the website. As I type this, Ive been on hold for more than XXXX minutes. Im on XXXX XXXX and my baby is napping so Ive had the time. But now hes waking up and I still dont have an answer. What do people at work do to stay on hold this long? Why isnt the information I need available online and easily accessible?
Complaint sub-issue: Information belongs to someone else

There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX  Credit Card.
Complaint sub-issue: Account status incorrect

Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a 40 thousand loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a 20 thousand dollar personal loan. I have graduated and can not find a job, I would like to have this removed
Complaint sub-issue: Account status incorrect

I have a {$2400.00} debt on my credit report in which I have disputed at least 20 or more times over the last 4 years. I have written letter, I have called, I have submitted online request. I have been ignored! This charge is fraudulent. The furniture was returned to this store within 30 days or purchasing it. I should not be charged for the full cost as stated above. This company is double dipping which is fraudulent. They should not be able to charge me, full price for the furniture yet retake possession of it and resell it. I have requested copies of documentation and still ignored. I want this removed from my credit report once and for all!
Complaint sub-issue: Reporting company used your report improperly

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX***
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I saw a credit inquiry on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX. I called and the person I spoke to said there was nothing they could do about it. I aksed about placing a fraud alert and the person I spoke to said they could not do so. 

I asked for a phone number or contact information for XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the person refused to provide it.
Complaint sub-issue: Problem with customer service

Ive sent two emails in Mohlea system with no response One was sent on XX/XX/XXXX and the other on XX/XX/XXXX. This group is quickly becoming worse than my last servicer. The XXXX on XX/XX/XXXX was asking about the XXXX process and when Id know about the waiver I submitted in XXXX. The reason I have the questions is Im concerned about what will happen if the application is not processed by the XXXX cut off date.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX submitting this CFPB complaint as a follow up to me previous CFPB complaint I submitted to the Credit Bureaus. I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesting to the Credit Bureaus to remove Credit Inquiries that arew UNKNOWN to me. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts nd information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints and I am including these again : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am reaching out to see if anyone can help me I have been down this dispute road since XX/XX/2020 and I am still writing letters calling trying to get some assistance regarding the accounts that are appearing on my report that do not belong to me at all. No one is helping out There are 8 accounts and I have not applied used or signed for any of these I have no idea how they are appearing on my credit and why I have to fight for this. 

XXXX  XXXX XXXX Acct # XXXXAmt {$11000.00} XXXX  XXXX XXXX Acct # XXXX {$2700.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX {$5800.00} XXXX  XXXX  - Acct # XXXX {$3900.00} XXXX XXXX- Acct # XXXX {$2200.00} XXXX XXXX- Acct # XXXX {$2400.00} XXXX XXXX- Acct # XXXX {$5200.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX {$13000.00}
Complaint sub-issue: No notice of investigation status/result

IN RESPONSE TO EQUIFAX THEY STATED TO CONTACT THE ORIGINAL CREDITOR FOR THIS INFO THE LAW STATES THAT THE REPORTING AGENCY HAS TO HAVE THIS INFO ON FILE WHEN A CONSUMER ASKED FOR IT IN THIS CASE EQUIFAX IS IN VIOLATION OF THE FCRA. I HAVE ATTACHED A COPY OF THE FEDERAL LAW 609 ACT IN THIS DISPUTE FOR EQUIFAX TO PLEASE READ AND PROVIDE BY THE FEDERAL LAW
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX is unable to access my equifax application. Many of Equifax employees have been telling me there is no freezes many but yesterday they removed a freeze and this morning a supervisor removed an internal block that he claimed was the problem. This did not fix problem Lender still does not have access to my equifax report.
Complaint sub-issue: Debt is not yours

I am a federally protected consumer and Avante USA has violated me under the provision of 15 USC 1692. Please review attached documentation.
Complaint sub-issue: Information is not mine

this item keeps coming back verified and this is not mine I did everything that was asked of me and it still has not been removed.
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 ;
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After receiving letters from the Department of Education on my permanent disability discharge for Student Loans in XXXX I tried notifying credit bureaus so that it could reflect on my Credit Reports but their systems would no allow me to do so.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, and in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX )
Complaint sub-issue: Was not notified of investigation status or results

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX, U S DEPT OF EDXXXX. 
Company 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX ssXXXX XXXX This letter is a formal request to remove inquiries from my 3 Bureaus XXXX XXXX and XXXX per FCRA if the companies listed can not provide me with my signature that I gave authorization to the following companies. The following companies are XXXX  XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX dated XX/XX/XXXX, XXXX Auto Finance XX/XX/XXXX, Credco XX/XX/XXXX. Please remove if a signed authorization with my signature can not be provided or validated under the 609 of the FCRA. 
Under the FCRA I ask you to investigate and to provide me with the authorized document with my signature that I in fact gave authorization to have my credit pulled. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion or your re-investigation. 
Thank you for your consideration and cooperation and if you have any question concerning this matter I can be reached at XXXX. 
Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I was alerted by the news media that Equifax experienced a cyber security hack on XXXX XXXX, XXXX. I used their provided website XXXX to see if my information was compromised and the response I received was " Based on the information provided, we believe that your personal information may have been impacted by this incident ... Your enrollment date for TrustedID XXXX is : XXXX XXXX Please be sure to mark your calendar. '' Because of this, I am in the process of freezing all credit reporting with XXXX XXXX Freeze, Equifax XXXX XXXX, XXXX XXXX Freeze, and XXXX XXXX Freeze. I have also requested a free fraud alert with Equifax to be reported to all other credit reporting agencies.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report I noticed that there are inaccuracy on the late payments, on the month of XXXX XXXX  and XXXX  has no data provided but XXXX has it 30 days late payments which is clearly inaccurate.
Complaint sub-issue: Information belongs to someone else

I have filed fraud reports with identitytheft.gov as well as police reports about two auto loan accounts on my credit report with equifax which has not been resolved. I recently purchased a home and didn't know that the accounts were on my credit report all other major bureaus was successful except equifax. 

XXXX XXXX XXXX from XX/XX/XXXX stated that I have a balance of {$8900.00} which I disputed and they said it was a joint account but never said who the joint person was. 

XXXX XXXX XXXX from XX/XX/XXXX shows a balance of {$20000.00} which I disputed because I have no clue of this account as well. I have never purchased a new car and I always buy cars cash.
Complaint sub-issue: Information belongs to someone else

I pulled my Credit Bureau XX/XX/XXXX, the bureau had a previous address that I have never lived at. I initiated a dispute with Equifax who at the end of the dispute told me that the address was Fraud and would be removed.. On XX/XX/XXXX I pulled a new bureau from Equifax and found that the address that they told me was fraud and would be removed was  still showing on my credit file. Equifax required me to initiate a new dispute. The dispute was closed and once again Equifax told me that the address will be removed. I have another bureau pulled XX/XX/XXXX and the address still is showing on my bureau and I am being told I need to speak to the fraud group again to have my concern resolved.
Complaint sub-issue: Debt was result of identity theft

Every month of the year from XX/XX/XXXX to as of now XX/XX/XXXX all negative marks and late payments on a closed account that was obtained with my information and used by some fraudster to scam me and my SSN now discover has a balance of XXXX $ on a credit limit of XXXX $ again I never used that XXXX card! Nor did I ever open that account i have never been a customer of discover card bank XXXX XXXX they have continued to practice criminal behavior they have been told to delete this account and now I have gone to the attorney generals office due to the refusal to comply! The account is not mine it must be removed immediately! Executive office at discover has been complicit in the harm against my fried which was a XXXX when I first realized somebody had used all my old info to obtain this account! They will be sued for this i have XXXX and can not even get a XXXX removed as this has effected my credit and income and my income business! I want it gone now!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I RECENTLY ORDERED COPIES OF MY CREDIT REPORTS AND DISCOVERED NUMEROUS ACCOUNT INQURIES THAT DID NOT BELONG TO ME, WHICH MEANS I AM NOT THE ONE WHO OPENED OR AUTHORIZED ANYONE ELSE TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. 

CREDITOR INQURIES DATE OF INQURY XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX, Equifax, XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX contact information XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX  , XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME
Complaint sub-issue: Debt was paid

XXXX XXXX  has me in collections with Enhanced Recovery for equipment and I have my receipt showing I have turned in all equipment. 

XXXX {$720.00} enhanced recovery company This is on my credit report and it needs to be deleted, paid debt.
Complaint sub-issue: Company closed your account

On XX/XX/2019 I was charged twice for my XXXX membership annual renewal. I disputed one of the duplicate charges as I only should have been charged once for my Annual Renewal. I contacted XXXX and they acknowledged that they mistakenly charged my account twice and I only should have been charged once but when one of the duplicate charges was credited back, they cancelled my XXXX membership number that was attached to my Costco Credit Card. This caused my Citi Costco Credit Card to be cancelled through no fault of my own. 

I have contacted both Citi and XXXX and they have both acknowledged that my account should be active and that the Costco Credit Card should still be open as well. Citi initially offered to attempt to re-open my account pending a Hard Credit Card Pull and I declined that authorization as my account should not have been closed in the first place. I checked my Citi account today and my Visa Costco Credit Card it is still closed.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute on several inquiries on my Equifax credit report that I did not recognize. Their response was that they couldnt remove them. My name and information was part of their security breach and thats why I disputed those inquiries. Nothing was resolved
Complaint sub-issue: Need information about your loan balance or loan terms

I have been attempting to speak with or communicate with Mohela Student loan about my loan forgiveness for XXXX. They refuse to provide any data or to process my application to XXXX despite repeated phone calls and messages requesting assistance.
Complaint sub-issue: Account information incorrect

There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and XXXX XXXX and XXXX have removed it but Equifax is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX Miscellaneous Finance XX/XX/2019 XXXX XXXX XXXX XXXX Finance/Personal XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX Bank XX/XX/2019 XXXX AN # XXXX - XX/XX/2019 Equifax XXXX XXXX - XX/XX/2019 Equifax XXXX XXXX Finance/Personal XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent this dispute to Equifax to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the FCRA - accounts can only report for seven years and I have two accounts that are beyond the seven-year reporting period. XXXX has removed these accounts ; however, Equifax has not removed the account as I requested in a written dispute over 30 days ago. XXXX XXXX XXXX this account is past the seven-year reporting period based on the date of first delinquency for a charged off account. This account should be deleted based on the law.