Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with product or service terms changing

After the Equifax hack, my wife and I froze our credit at all 3 major credit bureaus. While XXXX and XXXX have been extremely helpful/easy to work with, Equifax has not expended any effort to help us manage the freeze. 

1 ) We tried to setup online access ( myequifax ) but received error messages indicating we needed to call an 800 number : We can't complete your request at this time. 
Please call the Customer Care team XXXX XXXX ) We tried calling the number but gave up after waiting 1 hr on hold ( do appreciate the pandemic impacted customer service - but Equifax had the longest hold time of any company we tried to work with ) 3 ) We tried Equifax 's XXXX account - someone replied but never resolved the issue 4 ) We gave up for several months 5 ) When we tried again on XX/XX/XXXX, we were told by customer service that we were not ALLOWED to use online access but customer service didn't know why - instead we would need to call each time we wanted to do something 6 ) My wife and I were able to call on XXXX to get the freeze temporarily lifted - but when we called back on XX/XX/XXXX to verify it has been frozen again, we were told we didn't answer one of the security questions appropriately and would now need to mail or fax proof of identity and our request to them. 

It is completely inexcusable that Equifax can not enable online access or provide a reason why we can't, as well as providing an opportunity for us to correct/rebut the reason for online access denial. They will no longer accept phone calls because we missed a security question and now have to work with them via fax or mail? How can they not provide timely access to manage a security freeze we PUT IN PLACE BECAUSE THEY CAN '' T MANAGE DATA to begin with!!!!
Complaint sub-issue: Debt is not yours

I've received a response from Grant and Weber they stated " This left XXXX XXXX responsible for the deductible in the sum of {$1500.00} ''. So due to that response I am requesting a DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay you.
Complaint sub-issue: Investigation took more than 30 days

This Company is trying to collect that is not mine. The company Was not even able to validate the debt. At first, They reported on my credit file I was a victim of an identity thief. 
The credit bureau was able to delete it on my credit report the same item came with a different amount and different account number on my credit report. The credit bureau is taking longer the resolve this issue.
Complaint sub-issue: Information belongs to someone else

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK XXXX XXXX XXXX XXXX, 2014 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 connot furnish an account without my written instruction.
Complaint sub-issue: Information belongs to someone else

Due to the EQUIFAX data breach in XX/XX/XXXX, a fraudulent credit card was opened using my name and SSN with a bank called XXXX XXXX XXXX.
I reported the the incident onXX/XX/XXXXto XXXX XXXX XXXX, EQUIFAX, XXXX, and XXXX.
XXXX XXXX XXXX closed the fraudulent credit card. XXXX and XXXX investigated and removed the fraudulent account.
On XX/XX/XXXXEQUIFAX sent me an email saying said they closed the investigation. I called Equifax and they did NOT REMOVE the fraudulent credit card.
Complaint sub-issue: Seized or attempted to seize your property

Sent a dispute letter asking for the Original creditor name and address under 15 USC 1692. Never answered by affidavit and stole the car when a cease of collection of debt after put in dispute in violation of Fair Debt Collection Act, XXXX XXXX, The XXXX XXXX XXXX and non-consentual tow. I am a consumer and not a artificial entity. I am not deceased.
Complaint sub-issue: Information belongs to someone else

I did not recognize any of these inquiries and I never applied for these. I am requesting to remove all of these because it's a fraud. Somebody stole my personal information.
Complaint sub-issue: Report provided to employer without your written authorization

Disputes, sent written letters about identity theft, no resolutions reached j was never contacted back by the credit companies and they never fixed the incorrect items that are listed on my credit report such address business debts that are not mine. 
My credit has been affected.
Complaint sub-issue: Debt was result of identity theft

This is not my debt this is result of identity fraud / forgery.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing.

EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Bay Area Credit Service has failed to provide me with any real proof the debt belongs to me. They do not have any signature of mine binding me to any type of contractual agreement to pay them. Further more they have violated the Hippa Law by providing me with diagnosis, procedures and charges via mail that is not pertaining to me. I want this debt closed and removed immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

Sallie Mae is reporting an inaccurate charge off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, Sallie Mae has been validating this debt and account information to each credit bureau and they are also reporting multiple inaccuracies on my credit reports causing me to get denied. 

Each credit bureau as well as Sallie Mae has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$6100.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

On my credit reports there is a closed account with huge amount of missed payments. XXXX/DSNB ( Date opened XX/XX/2016 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX/DSNB has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Debt is not yours

In XXXX of 2016 I was involve in a motor vehicle accident. Was transported by ambulance to the hospital. This bill is a result of that ambulance ride, from that medical transport company. I ended up having the accident handled by personal injury attorney. That attorney settled the matter without my knowledge, keeping all but {$380.00} and did not pay ANY of the medical providers in question. This bill included. Leaving me with almost $ XXXX in medical debt. The attorney was suspended by the XXXX XXXXXXXX XXXX XXXX due to actions of misappropriation of client funds. The investigator handling my matter indicated to me that this amongst all of my medical liens are part of his {$5.00} XXXX in restitution. I provided the collection agency the supporting documentation that I am including with my complaint. They not only refuse to remove the collection from my credit, but are enforcing the debt, but charging 3 % daily interest on the debt.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Did not provide enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - verification through the physical verification of an original signed consumer contract or promptly remove from my credit file to which they have repeatedly replied with XXXX are also in violation of HIPAA : to which I have recently requested documentation of what they recieved from the provider of service in connection with this alleged debt
Complaint sub-issue: Attempted to collect wrong amount

Hunter Warfield based on my communications and documents closed the file and removed all derogatory information from the CRA 's. Now they are attempting collection from my wife. 

Please read all attached documents. This matter was settled through the XXXX XXXX XXXX in my name and now Hunter Warfield is attempting to collect again after closing the file, by now sending collection notices to my wife. 

Again, no billing from the creditor. Claims only from Hunter Warfield but told on the phone that the creditor closed and recalled the file as a result of my complaint and now re-placed the file in my wife 's name. 

The original was as follows : Hunter Warfield is attempting to collect on move out charges which have never been billed to me by the creditor nor Hunter. Apartment rental scam We rented an apartment at XXXX XXXX XXXX, XXXX XXXX, Ca. from XX/XX/XXXX thru XX/XX/XXXX. In XXXX, I received a call from them and found out they sent a collection letter to my XXXX year old mother 's address. XXXX has claimed damages to the apartment in the amount of {$620.00}. As the caller began to read off the damages, I referred him to the move-in sheet where the alleged damage was noted at move-in. He stated that he had better contact them and see about an adjustment. I've heard nothing from XXXX XXXX XXXX, XXXX XXXX, nor Hunter Warfield except a notification from my credit watch service that they had reported the collection to the credit reporting agencies. I faxed a letter to XXXX XXXX and have had no response. Today, XX/XX/XXXX I received another call from Hunter Warfield. The caller told me I now owe {$620.00}. He stated that Hunter 's customer service department verified and adjusted the balance due. They adfjusted the items on the move-in sheet and now I owe more? Why am I dealing with a third party only. If XXXX states I owe anything, I am entitled to a clear detailed statement from them. He then stated that that Hunter sent me a statement. I advised him that I have received nothing. They had a wrong address months ago and apparently the debt isn't even worth the XXXX cents to XXXX to obtain an address correction from the USPS. Or, the item could have been sent to my address at XXXX XXXX XXXX and it would have been forwarded to me. I receive a daily email from the USPS with every mail piece being forwarded. When I asked the caller from Hunter what address did they send their statement to, he hung up. I have 703 emails from XXXX XXXX XXXX, none requesting any monies. XXXX XXXX XXXX has 2 valid phone numbers, were given our new address when our keys were returned. Why am I dealing through this third party to begin with. If XXXX XXXX XXXX wants to charge me for something they should bill me directly. I have friends who have moved out of the building who have had the same experience. I believe this is a scam since you don't hear from XXXX directly. Libel. fraud. 

Please see attached documentation to see the rest of the dispute and result.
Complaint sub-issue: Debt is not yours

as of XX/XX/2021 and today i am being charged XXXX for a public storage unit that was passed off to a debt collector. at the store they clearly stated there would be no contract binding me to further chargers or other responsibility other than that of having none of my things by said date that was paid for.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Complaint sub-issue: Debt is not mine

This company keeps calling my number and I AM not the person they are looking for. I have told them to remove mu number. I WAS called a lie and they left me a message and said, I hu on them but I did n't. They hang up on me every time I try to tell them they have the wrong number. I Spoke to a supervisor and he said, he removed my number, but I got a call today. They are so rude and I have told them and told them stop calling. They say their name is XXXX XXXX at XXXX. So how can I make this stop.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. state i have the rights to privacy.

15 U.S.C 1681 section 604A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Can't close your account

In XXXX we cancelled all accounts at XXXX, location XXXX, OH. 

It took about 6 month to close the Credit-Card Account. We payed if off toatally. 

Account numer : XXXX The account are not visible at US-Bank onlinebanking anymore. 

But : still we get Uni-Statements wit a Begining Balance XX/XX/XXXX?? 
Statement period XX/XX/XXXX through XX/XX/XXXX?? 

US-Bankl charged an Overdraft Fee and refunded it - an Overdraft fee for an account which is not existing since 1 year??

That showes us, that US-Bank is still working with our accounts, because the Uni-Statement from??, arrived here at XX/XX/XXXX, showes an Ending-Balance of XXXX. 

We are desperated, we do not see a chance to stop this, we are no longer interested in working with US-Bank. 

The last statement came from this address : USBank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Minnesota, XXXX WE MIGHT BE ABLE TO SEND THIS COMPLAINT, BUT WE ARE NOT ABLE TO LOG INTO OUR ACCOUNT BECAUSE YOU DO NOT ACCEPT NEIHER OUR USERNAME NOR OUR PASSWORD WE SENT SEVERAL EMAIL TO CFPB AKSING FOR HELP. not one of them was responed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Complaint sub-issue: Company closed your account

I open the account online and didnt know that the bank was not in my area but I was fine because it was suppose to be a virtual spend account I thought by the name which is virtual wallet meant everything was done online anyways so I made my opening deposit and submitted my documents and was verified for the account but a few days later my account and my funds was placed on hold for no apparent reason I called many times and was told that the person putting a hold on my account will get back to me and I waited but the person never called then today I finally talk to her and she asked me to go into a branch and verify myself but the problem is that theres no branch near me so that was it she just said she closing my account.. I asked and even offered to go to any bank of their choice and bring my dicunents but she refuses to help and kept adamantly telling me that shes closing my account I dont even know what I did wrong and she never gave me an explanation why I was targeted in the first place now I feel like maybe because of my XXXX descent I was targeted..
Complaint sub-issue: Not given enough info to verify debt

ENHANCED RECOVERY COMPANY # XXXXI had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Complaint sub-issue: Debt was paid

I paid payment in full to one collection agency, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX. Then, a year later I get dunned for the same debt by another collection agency : ERC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I called both agencies, plus the original debt holder, XXXX XXXX. XXXX XXXX sent me all related receipts indicating payment in full, but ERC and XXXX do n't appear motived enough to look at my paid receipts. 

I have attempted to clear this matter up on my own, but it seems not to be working. Thank you for your time.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/XXXX.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police report.
Complaint sub-issue: Account status incorrect

I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help me.
Complaint sub-issue: Reporting company used your report improperly

I called and disputed online to all three credit bureaus about unauthorized credit inquires on my credit report. The bureaus refuse to rectify the matter. 

The policy states that this is only permissible for the purpose only for a. firm offer of credit b. Insurance c. a court order d. employment On my report none of theses inquiries fit the above purpose. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX