Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Called after sent written cease of comm

I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, Jefferson Capital Systems, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital XXXX Systems that they had received my request for debt verification for the account owned by Jefferson Capital Systems, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital XXXX Systems XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be XXXX XXXX XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital XXXX Systems.
Complaint sub-issue: Information belongs to someone else

There are individuals applying for credit under my name without my permission. I have filed numerous police reports. I have submitted information to creditors and credit bureaus and nothing has been removed.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Federal Trade Commission, if an account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began is the correct delinquency date. This account has an incorrect day of first delinquency showing. The correct date is XX/XX/XXXX. 

For example the FTC states : XXXX XXXX credit card account becomes delinquent in XX/XX/XXXX. XXXX makes partial payments for the next five months, but never brings the account current. The creditor places the account for collection in XX/XX/XXXX. 
Because the account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when XXXX first became delinquent. The correct delinquency date is XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Sir/Madam, I have made a purchase for a service from XXXX XXXX XXXX XXXX on XX/XX/2018. The company did not provide me the service i.e. move my items from XXXX to XXXX XXXX to my house and lost a lot of items. I tried reaching out to XXXX XXXX but they are not picking up my call. Upon not receiving the promised service, I reached out to discover to raise a dispute ( reference number - XXXX ), but the company sided with the merchant despite all the evidences I provided. 

I did provide them a copy of contract that clearly states what was expected of the move and also the picture that I did not receive the service as promised.
Complaint sub-issue: Debt is not mine

elan financial put negative information on my credit report that i owe that money {$5000.00} dollars, the failed to verify any contract or prove how I owe them.. The failed to validate this debt that is not owed by me. I have written several letter to them. All XXXX bureau that i owe this debt to prove this debt with documents or contract according to federal law.
Complaint sub-issue: Talked to a third party about my debt

The collection agency gave away my personal information during verification. They gave my legal name and address to someone calling to make a payment. Then they refused to take the payment from that person. When they asked for a supervisor, they then hung up the phone. 

The call was on XXXX XXXX, at XXXX EST. The caller spoke to XXXX, then XXXX. The agents refused to give a reference number or interaction number for the call.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

DELETE ALL UNAUTHORIZED INQUIRIES Below Please New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX Inquiry - New Inquiry - Experian XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

1 5 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: Information belongs to someone else

I was at home checking my email and received a call from 2 banks saying that i was late on 2 different car payments that I don't own or know anything about. I then looked on my credit report and saw 2 installment loans that I did not authorize. These accounts are : XXXX XXXX {$49000.00} and XXXX XXXX XXXX {$25000.00}. I then went to the police station and explained the situation to them and they gave me a identity theft police report. I sent a letter with the police report to equifax to have it removed and hey still haven't removed it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX reported a Hard Inquiry on my Equifax credit report on XX/XX/XXXX & XX/XX/XXXX. The inquiry on XX/XX/XXXX shouldn't be reporting. What would be the reason to run my credit twice and i already was approve for service prior?
Complaint sub-issue: Account status incorrect

Once again, XXXX is reporting incorrect negative credit information regarding my mortgage with Discover Home Loan. They are stating we have been late for XXXX XXXX and XXXX, which I have consistently paid before the required date. There is a grace period which I have not gone past. Obviously no-one is going to pay their loan exactly on the XXXX of the month, and I am getting fed up with this consistently happening with Discover, who happens to be my second loan lender. My Primary lender, whom I have been paying the same time each month never seems to show up as a derogatory report. this is totally unfair and is affecting my ability to apply for new loans. I want this to stop. Past last fees should not be included as late payments, especially since we have been paying then off a little at a time. This is totally uncalled for. This loan in the amount of {$67000.00} is not even a quarter of the value of the home. This seems to be an attempt to punish us for past complaints we have filed with both Discover and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

For starters this is my second complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint  before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. 

I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to me.
Complaint sub-issue: Was not notified of investigation status or results

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Complaint sub-issue: Other problem

I have a cashapp account and the corresponding debit card. I began receiving notifications XX/XX/2022 that {$50.00} charges to my card were being declined because transactions on my card are turned off. I reported my card as compromised, and requested a new card, as I was advised to by CashApp. I still have not received the replacement card as of today XX/XX/2022. Cashapp provided me with a new 'virtual ' card number until my replacement card arrives, I have not yet used it anywhere. 

On XX/XX/2022, after I had cancelled my original debit card, and never used the new virtual card, Cashapp allowed one of the {$50.00} fraudulent transactions to complete. I waited for it to post, disputed it, and have still not received the monies back. I have contacted Cashapp and they will only tell me to contact the merchant, but will not give me the merchants contact information. My case was escalated to a 'manager ' who was no help and would not provide me any contact information for the merchant who is continuously trying to charge my card. 

The takeaway is that even if your card is reported as stolen/compromised and deactivated by cashapp they are still paying charges to the old card number.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal and private information by not properly adhering to information security practices, and that negligence led to a breach of data that puts myself and millions of others at potential risk of identity theft and fraud I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for over a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the internet. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have opt-in to and pay for. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is unnecessary when it is clearly known that I was impacted. 

Lastly, Equifax should be stripped of its position and tenure of being a reputable credit reporting company, and a replacement company should complete the trio with XXXX and XXXX.
Complaint sub-issue: Information belongs to someone else

HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY PAPERWORK. WHEN I'VE CALLED TO CHECK ON THE STATUS, THEY SAY THEY HAVE NOT RECEIVED ANYTHING FROM ME BUT I MAILED MY INFORMATION BY CERTIFIED MAIL AND SOMEONE SIGNED FOR IT.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 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: Their investigation did not fix an error on your report

I am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave Equifax, XXXX, and XXXX written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow Equifax, XXXX, and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, Equifax, And XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If XXXX, Equifax, And XXXX wants to continue doing business with me they should delete the inaccurate accounts from my consumer report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Trouble with how payments are being handled

I was looking into a XXXX  forgiveness program once it was time to start paying back my loans. XXXX XXXX XXXX  discussed 2 options and I went with what best suited myself. I made my monthly payments, sent emails, made phone calls, sent forms, and everything they asked. But its a scam. For the past year and a half, my payments have been pocketed and 0 % was put towards my loans. Then I find out they made an account in my name, created their own security questions, and making changes to my account. I am a victim of this fraudulent activity and Im unsure of what to do moving forward. Hopefully someone else who takes the time to thoroughly research XXXX XXXX can avoid the same fate.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

Starting XX/XX/XXXX, I have been in contact with Equifax regarding a series of fraudulent accounts being opened, or attempted to be opened, in my name. Five of the fraudulent accounts were opened under XXXX XXXX through a series of in-store credit lines such as XXXX or XXXX XXXX. The sixth was from XXXX. 

I requested the removal of one of the accounts and it was deleted on XX/XX/XXXX. The dispute was filed on XX/XX/XXXX. I also requested the removal of another fraudulent account on XX/XX/XXXX. This item was not removed, despite my notification to Equifax that I have not opened any new credit accounts in the past two years. I had also requested a security freeze and fraud alert to be placed on my account, though these were apparently ineffective in stopping further credit accounts from being opened in my name.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/22, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

My issue is a credit reporting from the student loan company XXXX. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by XXXX points with equifax, XXXX, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. XXXX should have been properly handling my payments to avoid this.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

On the evening of Tuesday XX/XX/2018 I received a warrant-in debt notice to appear in XXXX District Court one ( 1 ) business day later. The warrant-in-debt concerned a long resolved 6-year old XXXX  bill. XXXX XXXX represented the XXXX  as a bill collector. I called the clerk of court and explained I was not served within the time set forth, the debt was not owed and I wished to contest the matter. Additionally, I explained it was not physically possible to travel to XXXX, VA given one days notice. The clerk of court explained that I would need to arrange an equitable date between XXXX XXXX and myself. I called XXXX XXXX on that day and explained the debt was contested and that I intended to appear in court, given a proper notice. Mr . XXXX offered the date of XX/XX/XXXX, and I accepted. He informed me I would receive a notice confirming the date with a certain time to appear. The call was recorded by me after accepting Mr . XXXX consent. Today I received the attached letter informing me that a default judgement was entered against me and my son. The clerk of court stated to me today that there was no record of XXXX XXXX requesting the court continue the matter for any reason. He also did not inform the court service was not effected, or that XXXX XXXX and I had agreed on a future date. Further, XXXX XXXX obtained a default judgement against a XXXX year old child, after having been informed by me, and evidenced by payment from XXXX XXXX and XXXX XXXX that the payment had been received for all services received. Mr . XXXX client, XXXX XXXX, currently is being investigated for insurance fraud. Because Mr . XXXX client attempted to perform advanced dental services that he was not capable of performing, my son required extensive XXXX  XXXX to recover from the attempt. This is a well-documented event by all, and XXXX XXXX and I settled this issued over six ( 6 ) years ago, thus making this sneaky action by Mr . XXXX more egregious. Our family finds his behavior highly unethical.
Complaint sub-issue: Information belongs to someone else

I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.
Complaint sub-issue: Threatened to take legal action

I was contacted by XXXX XXXX, who identified himself as the Lead Investigator for XXXX XXXX XXXX on XXXX XXXX, 2015 at XXXX XXXX. In the voice mail that was left on my cell phone, this gentleman divulged private information, including my social security number and stated that a lawsuit had been filed. Minutes later, he called me at work and left a voicemail stating that I have 5 days to call him or that legal action would be taken. To date, I have not received anything in writing from this collection agency.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX