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

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  ENHANCED RECOVERY for re porting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Complaint sub-issue: Information belongs to someone else

On XXXX. XXXX, XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Company closed your account

In XX/XX/2020, I signed up for a Discover Card because of their copious 0 % balance transfer deals and options. We had transferred, made payments, made purchases etc. without incident until XXXX of this year. On XX/XX/XXXX we did {$7100.00} worth of business in the form of balance transfers per Discover Cards posted offers. On XX/XX/XXXX a hold was placed on my account for " Personal Identification/Information needed ''. I received 1 ( one ) email that I disregarded as a Phishing Attack ( " Problem with your account ... '' ) because I logged into my account directly and found no messages, no alerts... just an Account in good standing with a XXXX balance. On approx. XX/XX/XXXX I received 1 ( one ) phone call/voicemail with approximately the same message. Again, log into my account to find no notifications, no alerts ... nothing indicating that my account was anything other than in good standing and, because of the advertised balance transfers and out use of them, Discover owed me a little over {$300.00} in overcharges. The week of XX/XX/XXXX I attempted to use the Discover card to buy a new desk but the card was declined. Discover had canceled my account after attempted to get ahold of me exactly twice : one email, one phone call, and nary a word on their official site and my official account page. Now I have a negative mark on my report that they closed an account with a {$9000.00} limit, my other balance transfers failed causing more fees and overages. Only when I called to find out why I couldn't buy the desk did I learn any of this. Oh, and they couldn't just re-open my account because more than 30 days had elapsed since the freeze on XX/XX/XXXX ( i can't find the exact date, but it was about a week beyond the 30 day ), per internal policies, never mind the fact that I was happy to give whatever they wanted because their out-reach policy and XXXX and looks like Phishing Attacks. I wish I had more to give you but... The email was trash, it looked fake ; the website told me nothing was amiss ... When the Account log in page gives no warning or visual cue, what am I to think?
Complaint sub-issue: Attempted to collect wrong amount

My partner got a phone call on XX/XX/XXXX at XXXX XXXX ( 4 min ) from someone pretending to work for a collection Agency ( XXXX ) saying she owes {$650.00} from XXXX XXXX XXXX. She told them to send information to her address. She got another phone call on XX/XX/XXXX at XXXX XXXX ( 2 min ) from XXXX ( XXXX ). The agent told her she owes {$150.00} emergency room medical bill due to her visit to XXXX XXXX XXXX XXXX two weeks ago. She told her it's not true and they have to send the bill to her address, she asked if they have the correct address but the agent hung up the phone
Complaint sub-issue: Account information incorrect

The company is reporting inaccurate information to Equifax and XXXX credit bureaus. The date of last activity is different on both reports. The date of last payment is different on both reports. The date of last payment is different on both reports. But when i dispute the item the company continues to say that it is accurate. How is it accurate with both credit reporting agencies when it is different on both.I have repeatedly asked XXXX and Equifax to investigate the reporting. I sent them copies of my credit report showing them that the reporting is different. So how can it be accurate but they continue to respond that the creditor verified that the information is accurate. I repeatedly contacted the creditor acceptance now asking them to validate the account. I asked the to send me a copy of the contract with my signature stating that I've agreed to pay them, along with the terms and balance. They have not responded to either letter i wrote them all sent by certified mail and return receipt that was signed by someone at the company. I am really discouraged by this. I am paying XXXX, XXXX XXXX dollars for a car that only cost XXXX, XXXX because of these companies negligence. I was just turned down for a mortgage because their negligence. The dates that i contacted acceptance now are included with the certified mail receipt and return receipts. I did not include them all because there are so many but what i have included should be enough. XX/XX/2020. XX/XX/2020. XX/XX/2020. XX/XX/2020. These are the recent contacts but i have some dated all the way back. I thank you for your help. Certified mail receipts and return receipts uploaded for proof and response letters from the Credit Bureaus themselves.
Complaint sub-issue: Can't decrease my monthly payments

In XXXX XXXX, I lost my job and had to go back to my country for 10 months due to severe family issues. During this period, I was unable to make monthly student loan payments. Consequently, my student loan debts ( XXXX private student loan companies ) went into collections. Every since I came back to the XXXX and got a job in XXXX XXXX, I have been diligently paying off the debts to the collection agencies ( XXXX different agencies ). First, I have been struggling with unreasonable student loan monthly payments ( i.e., approx. {$1500.00} per month which is 50 % of my monthly paycheck ). Since my student loan debts with the collection agencies, I am unclear about the amount of debts that I 've been paying to these collection agencies are actually the precious amount of debts that I owed. Second, my husband and I are planning to apply for a mortgage in the near future and it 's come to our attention that this has been negatively impacting our credit score in a significant way and it would most likely hurt our ability to qualify. I would really like to remove these negative accounts from my credit history.
Complaint sub-issue: Public record information inaccurate

see attached documents IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? LexisNexis has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did lexis Nexis have MY written instructions? Did lexis Nexis have Permissible purpose? NO, they did not. a letter was written to the courthouse asking to provide the procedure in which they verify records information with XXXX, XXXX XXXX XXXX and /or third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Complaint sub-issue: Debt is not yours

There was a debt that showed up on my credit report that was not mine from 2014. It was from Citibank/Best Buy. It was for {$570.00}. It was listed as a charge off. I contacted them numerous times disputing the information and providing verification of my identity. They still would not correct it. 

I am in the process of a mortgage and was advised by my loan officer to just pay the amount. I did, even though it isn't my debt or even listed in my name. Not only will they not remove the debt, but they also won't even show it as being paid. This debt was originally not a Citibank debt but was inherited when Citibank bought Best Buys credit account.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent Equifax a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XX/XX/XXXXthat is reporting accurately from XX/XX/2020 I filed a previous complaint against XX/XX/XXXX complaint number XXXX please update that case with the information provided by XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  XXXX or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law. This Bankruptcy does not belong to me please delete
Complaint sub-issue: Debt is not yours

HELLO MY NAME IS XXXX XXXX MY SOCIAL SECURITY IS XXXX, I NEED URGENT HELP OR PHONE NUMBER IS XXXX. THE DAY XX/XX/2020 I WENT TO A MACYS STORE AND I WAS OFFERED TO OPEN A CREDIT CARD WHICH I REGRET 100 PERCENT, I AM A VERY HONEST PERSON WHO WORKED VERY HARD MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS, THE REPRESENTATIVE TOLD HIM I WILL BUY SOMETHING BUT I WILL PAY IT IMMEDIATELY FOR THE REASON THAT I DID NOT WANT DEBTS AND IN MY RECORD CAN SEE THAT MAKE THE PURCHASE WITH THE CREDIT CARD AND THE PAGE INSTANT, SHE TOLD ME YOU WILL RECEIVE YOUR CARD BY MAIL, THAT CARD NEVER ARRIVED ME, SOMEONE OPENED THE BOX MAIL AND ACTIVE MY CARD MAKING PURCHASES, IN THE STAMENT OF THE CARD YOU CAN SEE PURCHASES UP ONLINE WITH ANOTHER ADDRESS THAT IS NOT THE My ADDRESS, YOU ARE CHARGING ME SOMETHING THAT I DID NOT, TALK TO THE LANDORD OF MY APARTMENT AND I ENSINE PHOTOS OF TWO INDIVIDUALS WHO FOR THAT DATE STOLEN ALL MAILS AND LETTERS YOU CAN SEE MY CREDIT RECORD PAYING ON TIME I'M NOT GOING TO LET YOU GUYS EAT ME SOMETHING THAT I DON'T USE, NOR GIVE ME MY CREDIT I'LL SEND YOU THE PHOTOS OF THE PEOPLE WHO STOLE THE MAILS, AND THIS IS GOING TO HAPPEN TO COSTUMER FAIR BECAUSE IT'S NOT FAIR THAT YOU DON'T ASK FOR ID IN A MACYS STORE TO BE SHOPPING WENT OVER TO LIMITE THERE YOU CAN TELL IT WAS A Robbery
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter in regards to erroneous and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being disregarded. Segment 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to promptly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased expeditiously. I request that these records be erased promptly or I will petition for prosecution because of the pressure you have caused me. My data was likewise affected by the Equifax information break and may have gotten under the control of some unacceptable individual.
Complaint sub-issue: Investigation took more than 30 days

I requested that Equifax conduct an investigation of errors on my credit report over 45 days ago. They have yet to respond.
Complaint sub-issue: Right to dispute notice not received

I bought a cell phone ( XXXX ) from XXXX on base at XXXX XXXX GA when i first got stationed there. The phone service was very insufficient so i returned the phone within the 14 day grace period and went to another cell phone company. The XXXX vendors failed to process my return correctly. So after 6 months of me not knowing, i started getting phone calls from a collection agency for the phone i had returned. They put a {$710.00} debt collection on my credit. I went back the next day after i found out after 6 months. They submitted a claim that took another 6 months to follow through. And at which that 6 months i continuously received phone calls and told them of the issue. Which every time they called they said it was no problem and they will fix the issue, which was a lie they also told for 6 months. Finally after a year, the debt was paid by XXXX but the collection debt hurt my credit and has not been removed. It has been paid, but not removed from my credit files. They made the mistake and now my credit score has been penalized for it. Actions need to be taken to not only removed what they have done, but also to prevent this sort of issue from happening to others.
Complaint sub-issue: Debt is not yours

While trying to get the supporting documents that gives this company the right to report this debt to the credit bureaus like I was told from the first representative. During our conversation I was told that he would email over their document but first I had to open an investigation than after he would email it to me. However once he got information he claimed that he couldn't send the information because the item was under investigation and a different department has to handle it. I than asked to be transferred to a supervisor where I asked the same question and how long the process would take. The Supervisor than stated it would take however long they want take and that if I was not trying to pay the debt he was going to hang up because he has other customers waiting to pay them because me receiving that information was not important.
Complaint sub-issue: Account information incorrect

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. " XXXX XXXX XXXX XXXX '' added late payment to my account that was false. Equifax assumed this role without permission not only that, they did not have my consent. Equifax did not respect my right to privacy which is under 15 USC 1681 a number 4. Equifax did not exercise grave responsibility, they were unfair, they were partial. I'm taking the liberty to file a CFPB report and an attorney general 's complaint. Equifax never had a permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place.
Complaint sub-issue: Debt is not yours

Discovery Bank claims that I owe {$830.00}. I've asked Discovery to send me the original contract for this account. They can not provide any documentation with signatures. They are claiming this debt is mine through a history of transactions. They have not properly investigated this account. 

In addition, they written this debt off and claim that I owe a debt they've falsly attached to my name. Please provide my signature to this debt or DELETE IT! 

This is abuse of power and this federal violations has hurt my ability to obtain credit.
Complaint sub-issue: Reporting company used your report improperly

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

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem with statement of dispute

I filed a dispute with Equifax because of inquiries I saw on XXXX XXXX that were not mine. Immediately the next day I receive a report from Equifax stating the inquiries are factual and mine. There was no way less that twenty-four hours of submitting the inquiry dispute for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX could have been disputed that quickly. I have the right under the FCRA to dispute with the credit bureaus any inaccuracies. I already contacted the organizations which also directs you back to the credit bureaus. Equifax is refusing to dispute on my behalf. I submitted twice and they sent the same message immediately saying the inquiries belong to me when they do not.
Complaint sub-issue: Information belongs to someone else

Someone has access to my personal information and is opening up accounts in my name. Ive contacted all three credit bureaus so they can fix this, and theres still accounts remaining on my credit report that is not mines.
Complaint sub-issue: Public record information inaccurate

LexisNexis is claiming to need my identity information to send me the results of a continuing investigation. I requested an investigation XX/XX/2018, they sent without identifying information the results on one item from the list below. Lexisnexis continues to report unverified information to my credit file in violation of FTC regulations and not requiring ALL consumers provide this info. 
Additionally, LexisNexis has violated the FCRA 30-day regulation. The following items in question should be removed from my credit report. 

US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine
Complaint sub-issue: Didn't receive terms that were advertised

Since last year XXXX Citibank has had a promotion of {$1500.00} bonus in you open a checking account with {$20000.00} and keep it for 60 days. 
On XX/XX/XXXX, I opened online a checking account with Citibank with {$200000.00} with incentive that I would receive {$1500.00} bonus. Sometime in XX/XX/XXXX, I stopped at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Citibank branch. I spoke to XXXX XXXX XXXX XXXX, Personal banker phone # XXXX XXXX XXXX who stated that I would have to keep the account open for an additional 90 days to get the bonus and I did. Now Citibank refused to give me the {$1500.00} bonus. I want the {$1500.00} bonus. I went back to the Branch and XXXX XXXX opened a case for me and Citibank still refuses to give me the money
Complaint sub-issue: Account status incorrect

Due to a COVID 19 hardship, I requested a 90 Forbearance on my mortgage loan with LoanCare LLC beginning XX/XX/XXXX and ending XX/XX/XXXX. My account was current as of XX/XX/XXXX and I have made my XX/XX/XXXX payment. I have been approved by LaonCare LLC for payment deferral of the three missed payments. 

LoanCare is reporting my loan as DELINQUENT to XXXX   and XXXX which has severely impacted my credit score! My account was current before the Forebearance and is now CURRENT and the CARES ACT prohibits mortgage companies from negatively reporting accounts that have requested forbearance because of a COVID 19 hardship. 

LoanCare says they will " look into it '' but it may take as long as 30 days to review. This is UNACCEPTABLE!!! My credit report and credit score are being held hostage by this company and they refuse to address it! I have spoken to no less than 12 people over the course of the last 10 days with no assistance.
Complaint sub-issue: Information belongs to someone else

I have noticed some incorrect accounts and inquires showing on my credit report. According the FCRA code 15 U.S. CODE 1692e- false or misleading representation. This is a serious violation and I am requesting for you to delete immediately to avoid legal actions for violations.
Complaint sub-issue: Their investigation did not fix an error on your report

After several attempts of calling and disputing I have yet to receive an update with corrected information. This agency is furnishing incorrect information on my credit profile. This has harmed me in obtaining any line of credit. They forced my hand at bankruptcy and even after that they still are reporting incorrect and outdated information.
Complaint sub-issue: Their investigation did not fix an error on your report

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Receiving countless calls from a company I don't know saying my name and that I owe a debt to them. I don't know of this debt. They are now reporting a debt on my credit report that I do not own. I've had to block the number as they will not stop calling me.