Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

L J Ross Associates is trying to collect {$3000.00} that they claim I owe XXXX XXXX. As Ive already told XXXX XXXX umpteen times, the withdrawals from my checking account that make up this balance were not made by me! They are fraudulent transactions. I do NOT owe this money and Im not giving XXXX or this debt collection company XXXX XXXX!
Complaint sub-issue: Account information incorrect

I have a collection account being reported from XXXX XXXX XXXX for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means XXXX XXXX XXXX is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me. 
This account is disputed and is not owed. XXXX XXXX XXXX knows this, and yet has not followed their requirements to show this disputed as required by the Fair Credit Reporting Act. 
XXXX  XXXX  XXXX  must immediately remove the account from my credit bureau or I intend on filing suit as per my attorneys advice I have rights under the Fair Credit Reporting Act.
Complaint sub-issue: Account terms

After previously disputing this erroneous account, Equifax still deemed the account verified. This account had incorrect account status and I have no idea how a " collection account '' can report " past due '' .. This should have been removed from my report. Please see attached document
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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  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.
Complaint sub-issue: Right to dispute notice not received

The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XXXX/XXXX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.
Complaint sub-issue: Information belongs to someone else

These are not my accounts or my name on file. Please remove them.
Complaint sub-issue: Account status incorrect

My government student loans ( through XXXX ) have been transferred to a new servicer ( XXXX ) where I have been paying them monthly regardless of the XXXX rules which state that I do not have to till XX/XX/2022. 

Under XXXX they show as paid as agreed. Under Dept of EdXXXX , they show as in default. I also was told, they would never go to default on my credit report due to the XXXX issues, but they did anyway. 

They refuse to remove the XXXX lines on both Equifax and XXXX. 

loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX I would like them removed as I am paying the loan under a forebearance agreement which was suppose to clear me from this on my credit reports. 

XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to XXXXXXXX equifax and XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I signed up for the XXXX XXXX Secured credit card on 2 occasions. The reason why I signed up for the card was because I was told it would help me to improve my credit score. Well unfortunately it further damaged my credit score and XXXX XXXX also incorrectly reported this information on my credit report. 

I initially applied for this card between XX/XX/XXXX/XX/XX/XXXX. The card did not come in the mail. What I was unaware of was that a statement was sent in the mail for the annual fee ( which is billed the first month after the card is sent ). I had not received the card, and was billed for the annual fee, which prompted me to contact the company. As a result, the account was closed, since the card was not received nor used and the deposit of {$200.00} was refunded. I was told that the negative reporting of the late payment would be removed from my credit report in lieu of the issue. This is still reporting on my credit report as of XXXX ( almost 1 year later ). 

I decided to give XXXX XXXX a try again, applied for the card in XX/XX/XXXX. The card did not show up, however I was charged the annual fee for the card, which went unpaid. This also showed up on my credit report, which prompted me to call XXXX XXXX again. I spoke to a representative named XXXX on XX/XX/XXXX @ XXXX. 

XXXX told me that I would receive an account closure letter, a refund for my {$200.00} deposit that was made and that the negative reporting for the months of XXXX and XX/XX/XXXX would be removed from my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX are typically creditors, lenders, utilities, debt collection agencies and the courts ( i.e. public records ) that a consumer has had a relationship or experience with. Data furnishers report their payment experience with the consumer to the credit bureaus. The data provided by the furnishers as well as collected by the bureaus are then aggregated into the credit bureau 's data repository or files. The resulting information is made available on request to customers of the credit bureau for the purposes of credit risk assessment, credit scoring or for other purposes such as employment consideration or leasing an apartment.
Complaint sub-issue: Information belongs to someone else

These accounts are not mine, fraudulent activity on my credit report. 

XXXX XXXX on credit report not opened by me. 

XXXX XXXX Account fraudulently opened, paid off XXXX Dept of EdXXXX payments 180 days past due as of XX/XX/XXXX to XX/XX/XXXX not on this account. The account was opened XX/XX/XXXX. 

STATE OF MI/OFFICE CHILD SUPPORT account never late and paid in full XXXX paid in full XXXX XXXX XXXX  fraudulently opened
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

The second item listed as follows : Original Creditor : private and confidential location Amount in Question : {$3000.00} ; however they are reporting {$4900.00} Date Opened on XX/XX/2020 Account Reported on Credit Reports is under Hunter Warfield Inc Length of Item In Dispute : approximately 3 months The issue is that this account is inaccurate as the CARES ACT released funds to XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, FL and federal funds were utilized to cover the Landlords due to the COVID-19 pandemic. Attached please find copy of Complaint submitted to the FBI and Consumer Financial Protection Bureau for further investigation. In addition, under the CARES ACT attached, NO NEGATIVE INFORMATION SHOULD BE REPORTED AS THIS IS AN ONGING INVESTIGATION. 

I am requesting that the item be removed immediately as it has caused duress and other unwarranted financial and economic hardship on top of the COVID-19. 

Exhibit B, copies of phone calls made to me by this company are voluminous, if you require additional data, this can be readily available through phone company. 

Under Federal Trade Commission, Section 813, Civil Liability, under ( 2 ) ( A ), it states as follows : ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. In this case, they made over 10 phone calls that equals to {$10000.00} so far this debt is not even mine.

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. Some examples of harassment are : Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. Obscene or profane language In addition, this company falsely and mislead me into thinking that they were offering me a job as my background is in Law and under the Federal Trade Commission, Section 807, number 3 states as follows : 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

False or misleading representation, they not only made it seem like they were giving me a job and in fact, they acted like a law firm extending me a position and the mere fact that during this time I was unemployed and did not have a job and the misleading lawyer told me that he was interviewing for a position that was available at his law firm and I was so nice and sweet and shared information, then the guy acted as the lawyer and he was not a lawyer. 

The following deceptive acts under the Fair Debt Collection Practices Act : Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. Such collectors may not, for example, contact debtors at odd hours, subject them to repeated telephone calls, threaten legal action that is not actually contemplated, or reveal to other persons the existence of debts.
Complaint sub-issue: Debt is not mine

The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have a new credit card with XXXX XXXX  for XXXX and it was only added to XXXX. I spoke to Equifax and XXXX  and they stated the Merchant has to add it. However, XXXX did report to all three bureaus that they updated this information on there part. 
I really need this information to show up because it will help with my utilization that was the purpose of the card. Can you please assist me in this manner with the situation.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person. 
I am a living human being. 
I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights multiple times.

I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : # 1 ) XXXX XXXXXXXX XXXX # 2 ) XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I am XXXX old have never had a cell phone to date, ive sent letters to company and to reporting agencies to no avail, help!!
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

A collection company is trying to collect a debt about a XXXX charge over 10 years and claim it was in 2016, I havent had XXXX service for over 10 years also another collection company tried collecting saying I owed {$110.00}, I switch from XXXX to XXXX when they were brought out by XXXX which the bill would have transferred, I also explained that the bill was always a month ahead and my bill was {$56.00}, and XXXX would turn your phone off after 30 days, so the phone was switched and the bill was already a month ahead. This is showing on XXXX tried talking/ phoning language barriers. I guess they call this ghost debt. Thank You, again check my report 9 years ago/ longer.
Complaint sub-issue: Overdrafts and overdraft fees

I had {$10.00} in my account on XX/XX/XXXX. On XX/XX/XXXX my account went negative by {$19.00} & change due to renters ins being taken out. The next day, my account was negative {$24.00}, the renters ins reversed & didnt come out but the {$35.00} overdraft fee charge it my account. I transferred {$250.00} in the acct by Monday XX/XX/XXXX.. waited til today to see if the renters ins would come out again & it never did. I called Bank of the West to get the overdraft fee reversed since my acct never went negative ( outside of them charging me the fee ) after the renters ins reversed, I spoke with XXXX who stated she wasnt able to reverse it since you only get one reversal a year. So, I called the call center, I was transferred to an extremely rude supervisor named XXXX who wasnt the least bit helpful. She refused to listen to my request & just kept repeating the same information that I was going to get charged solely because the renters ins was trying to come out on XX/XX/XXXX. Explained how the branch was going to try to reverse the charge, but couldnt themselves & she just continued to be rude with no compassion whatsoever. I would have eaten the charge had the renters ins actually came out, but it didnt.. no reason to be charged for something that reversed. Completely poor customer service skills.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to XXXX, Equifax, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Complaint sub-issue: Used obscene, profane, or other abusive language

repeat calls from same company by different callers who were in contact with each other. called when i was at work, using stern and condescending tone and insisting to speak with can't pronounce my name. would not hang up persistent.
Complaint sub-issue: Was not notified of investigation status or results

I submitted two written request for incorrect reported items on my credit report with Equifax and XXXX. I take my credit very seriously and I submitted a second written request to Equifax XX/XX/2020 requesting the removal of all negatively reported items such as XXXX XXXX XXXX in the amount of {$580.00} and XXXX in the amount of {$2100.00}. I also submitted a written request to XXXX requesting the removal of XXXX XXXX XXXX XXXX in the amount of {$6300.00} as well as multiple incorrect addresses listed under my credit profile for both XXXX and Equifax.
Complaint sub-issue: Debt was paid

I refinanced my XXXX XXXXXXXX XXXX which I financed with PNC Bank. Around XX/XX/XXXX, I refinanced my vehicle with XXXX XXXX. Without being notified, PNC Bank received the pay out check for my vehicle from XXXX XXXX and cashed the check through their accounts. The check was sent back to an address for XXXX XXXX who could not locate or retrieve the check for over 3 months. During this period of time, neither XXXX XXXX or PNC Bank contacted each other. After my own efforts of due diligence, I learned of late payments that accrued on my PNC Bank account. In addition, XXXX XXXX contacted me after multiple complaints, that the payout check from PNC was returned and sent to a branch that XXXX XXXX was not aware of. XXXX XXXX then took the payout check, cashed it and closed my account with XXXX XXXX who had issued me a lower rate and cheaper car note payment than PNC. After I contacted PNC, they told me to contact their PNC Bank Consumer Credit Bureau Investigation Department to inquire on how to have the late payments removed. Due to these late payments, my credit score has dropped significantly due to a lost check which was sent from PNC to XXXX XXXX. I now have to pay a higher car note with higher intrest rate and my recourse is only to re apply to have my credit ran again with hard inquires. 

On or about XX/XX/XXXX, PNC responded and alleged that information furnished was correct, accurate and that they would not remove the 60 day late payments. ( See attached ) PNC in addition attempted to muddy the waters and deflect from the issue of the ( 60 ) day late payments and speak on my current late payment. 
PNC is a disgrace company who has taken predatory actions against my personal credit. 

PNC Executive Client Relations specialist, XXXX XXXX was assigned to investigate this matter. XXXX recited hearsay second hand information. She was not able to verify or give reference to any of the persons or parties that were part of her investigation, In addition, there were no dates included in her investigation to corroborate her investigation. XXXX XXXX alleged she was on vacation and did not respond to multiple emails of mine. Allegedly XXXX was on vacation when i received this response to the CFPB. I was not afforded my constitutional right to confront my accused or cross examine any parties that were part of this investigation or have a way to address any of the alleged information submitted by XXXX. ( See attached emails ) I intend to take this matter to the XXXX and US Attorney General 's Office due to this travesty. I continually suffer till today due to two ( 60 ) day late payments which were no fault of mine. PNC and XXXX XXXX were the only parties in control of this check, yet I am the only one who is suffering. I have missed out on loans and refinancing due to this. 
My rights pursuant to USC Articles and Constutional Rights have been infringed upon and I intend on using this complaint as prima facie proof for my lawsuit.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been officially verified as a victim of the Equifax security breach and since last summer of 2018, I have faxed, mailed, and called Equifax about fraudulent credit reporting on the file. Instead of following the FCRA 605B law they refuse to correct their mistakes they have made. I have also been victimized by a roommate who has since moved out. That roommate was making payments during his duration of time so I would not be alarmed. I have filed a Police Report with XXXX XXXX, CA PD and sent more than 5 FTC reports. XXXX and XXXX  didnt cost millions of Americans money through a data breach and they block the fraudulent credit items. Why is Equifax making it hard for a victim to get fraudulent credit accounts blocked?
Complaint sub-issue: Old information reappears or never goes away

I am victim of identity theft. I have received a letter from XXXX that stated those accounts were not mine and those accounts was supposed to be deleted from Equifax credit report and equifax has failed to deleted those fraudulent accounts. Also those names and addresses are not mine and those inquires are fraudulent need to be removed from my Equifax report
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting a collection account with incorrect DATE OPENED. XXXX XXXX has date opened XX/XX/2020 and Equifax and XXXX have date opened XX/XX/2020. XXXX XXXX is reporting a collection account with DIFFERENT ACCOUNT NUMBERS for the SAME ACCOUNT. Equifax has a different account number listed on my credit report than XXXX and XXXX. 
Date Opened : XX/XX/2020, {$680.00} - EQUIFAX ( XXXX XXXX ) Date Opened : XX/XX/2020, {$680.00} - XXXX ( XXXX XXXX ) Date Opened : XX/XX/2020, {$680.00} - TransUnion ( XXXX XXXX ) A collection account should not report as a OPEN ACCOUNT and a collection account should not have a BALANCE of {$680.00}. 
Dates of last active do not match either. There are 6 inaccuracies that are being report to XXXX, Equifax and XXXX. This is a violation of the Fair Credit Reporting Act. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Complaint sub-issue: Collected or attempted to collect exempt funds

I have hired a company, XXXX XXXX XXXX, to negotiate and help me settle the debt. They have sent several cease and desist letters to the XXXX informing them of this. XXXX has ignored all the notices and continued to send me letters threatening to send my file to a third party if I dont contact them.
Complaint sub-issue: Billing dispute for services

I received a XXXX notification that my SSN was associated with an address that was not familiar when I went to my XXXX  alerts I noticed that the address was a location where I had reported fraudulent use of my credit cards that was stolen in XXXX and a compromised SSN. An account was opened under my name & was created fraudulently with my contact info. 

The account is with the XXXX XXXX XXXX account number XXXX Another account was opened without my authorization AS XXXX & that LENDER is : XXXX XXXX XXXX account opened & closed in the amount of {$220.00} on XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I PULLED MY CREDIT BUREAUS REPORT AND SEE FRAUDULENT ACTIVITY ON MY CREDIT REPORT INFORMATION IS INCORRECT. THE INFORMATION ON ALL CREDIT BREAUS DOES NOT BELONGS TO ME. ACCOUNT SHOWS FOR A   XXXX   XXXX  . MY NAME IS   XXXX   XXXX  L. THE NAME/INFORMATION ON CREDIT REPORT SHOWING AN "   XXXX   XXXX   '' ..
I SENT OVER THE POLICE REPORT AND A SIGN AFFIDAVIT FROM THE IRS RECOGNIZING THAT I AM A VICTIM OF IDENTY THEFT TO " ALL '' THE CREDIT BREAUS. FOR MANY YEARS AND AS OF RECENT, I ' HAVE BEEN DISCRIMINATED AGAINST AND JUDGE UNFAIRLY FOR SEVERAL MONTHS, YEARS NOW BECAUSE OF MY CREDIT.
I AM A VICTIM OF IDENTY FRAUD. THIS HAS HAD A HUGE EFFECT ON MY LIFE IN THE HORRIBLE WAY. IM UNABLE TO GET A JOB, GET HOUSING, MAKE PURCHASES, OBTAIN SERVICES, OBTAIN EMPLOYMENT, ECT. ALL BECAUSE OF THESE FRAUDULENT TRANSACTIONS ON MY CREDIT REPORT.
THE ONLY TRANSACTION THAT IS VALID IS FROM   XXXX   XXXX
Complaint sub-issue: Debt was paid

I paid this bill and the office sent me a check back. Im XXXX of 2021. I have been to the office multiple time after that appointment and they never informed me about a payment due.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Mobiloans , LLC is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.