Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

I had applied in XX/XX/XXXX for a online loan with Western Sky and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to Delbert Services. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed
Complaint sub-issue: Their investigation did not fix an error on your report

The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XX/XX/2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX {$350.00} 3 ) XXXX XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX XXXX XXXX {$140.00} 6 ) US Dept of Education {$3800.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   XXXX 10 ) XXXX XXXX XXXX {$71.00} 11 ) XXXX  XXXX
Complaint sub-issue: Personal information incorrect

To Whom It May concern a few issues with the reporting. I have 2 names on my reported file the 2nd name XXXX XXXX XXXX is in accurate and was told it would be removed over a year ago but is still showing up. 

Employment info they were suppose to add the company XXXX based out of XXXX XXXX NY. It's been years and that still has not been updated. 

I also have a problem with 2 Hard pulls I am looking to have removed XXXX XXXX said they would remove and they are still showing up on my file report the dates are XX/XX/XXXX & XX/XX/XXXX. I am unsure if these were suppose to be soft pulls or what Issue was as it's been so long. I had spoke to XXXX XXXX in early XXXX as to why these were still on my file they basically said to dispute the hard pulls if I did not authorize any hard pulls to be made.
Complaint sub-issue: Information belongs to someone else

I have contacted you all about my credit and stuff on there that I dont know about. Will you please have it removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. These inquiries I dont know anything about as well XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

This is not an account I want nor need applied for
Complaint sub-issue: Impersonated an attorney or official

Other agencies submitted documents to me stating that Omega-RMS, LLC is allegedly handling an alleged debt tied to my person XXXX XXXX XXXX. I have no idea who Omega-RMS, LLC is and they have never provided me with any type of documentation.
Complaint sub-issue: Information belongs to someone else

I have received several calls about accounts that do not belong to me. I even received a few things in the mail. My personal information has been misplaced since i moved and now i am finding all of this information the first time i try to use my credit. I have not used credit before and i am learning more about it. I have several accounts on my credit report that are not mine in addition to the ones listed Creditor : XXXX  acct # XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Amount : XXXX XXXX XXXXy XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information is also fraud /incorrect incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ar XXXX
Complaint sub-issue: Debt was paid

I have a collection with SARMA -account # XXXX totaling {$9900.00} from XX/XX/XXXX. The original creditor ( XXXX ) and myself came to an agreement and they took back the debt and closed the account. On XX/XX/XXXX XXXX removed this collection from my credit report but XXXX did not. It stills shows as open. I need SARMA to contact all XXXX credit bureaus and remove the collection from my credit report asap. Thank you.
Complaint sub-issue: Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX - LENDING USA Account Number : XXXX Monthly Payment : {$160.00} Date Opened : XX/XX/2016
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXXXXXX 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 XXXXXX/XX/XXXX
Complaint sub-issue: Problem with statement of dispute

I have disputed these inquiries with equifax multiple times they refuse to remove them without ever doing a real investigation. I actually called the companies on the inquiry list and they ca n't find my info anywhere yet equifax keeps reporting these fraudulent inquiries. They changed my social without my consent I had to send my correct social security number to get that corrected. I explained to them while the social was wrong is a result of all these inquiries being reported and I never applied to these places.
Complaint sub-issue: Debt is not yours

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Problem with balance transfer

In XX/XX/2019 I initiated a full balance transfer from my Citibank credit card to my XXXX credit card. The correct balance appeared on my XXXX card. However around XX/XX/2019 I noticed I was still making payments to my Citi bank credit card. I looked at the account and noticed that I balanced had not transferred. I called Citi bank and they did an investigation. In XXXX they closed the " Simplicity  '' credit card, transferred the balance to my " Diamond '' card and gave me a credit for the balance transfer. In XX/XX/2019 I get a phone call stating that I owed $ 800+ on my Simplicity  card. I again told them about the investigation that took place in XX/XX/2019. However they are now claiming that the '' Simplicity  '' card that has a balance of {$800.00} that I need to pay. Since I have done business with Citibank I have never authorized them to open more than one credit card account with them. Right now it appears that I have 3. 

I believe that Citbank is using the created account and the failed balanced transfer to bully customers to pay money they do not owe. It is either that or sever incompetence in their record keeping.
Complaint sub-issue: Reporting company used your report improperly

In XXXX of 2019 I decided to open an account with Credit Karma online to find out my fico score only to find out that there was already an account opened in my name and my social sscurity number. OMG, I panicked because that was not me that opened it . Credit Karma gave me a real hard time because they didnt believe in me, had to show them many multiple times to prove myself. I suggested to Credit Karma that they should of done that to the scumbag who illegally ooened an account in my name than this would never of happened. They finally realized I was the real XXXX  XXXX  then they closed out the other account. Thank you lord but now this scumbag saw all my personal information, credit card numbers etc. I sent many emails to Credit Karma and they finally said they couldn't help me any further!
I want this scumbag to be arrested. This person set up a phony email address 
Which I looked up & it was a temporary email address. Credit Karma needs stricter regulations on people opening up accounts with them. 
Since this happened 2 times my bank closed my account for multiple failed login attempts which I associate with this scam artist. This has caused me alot of grief & headaches. I asked them for information on this scumbag & an address, they must have something on thus scumbag but told me they couldnt give out any information other than closing that account.
I contacted XXXX  to have a watch on my credit & if anyone tries to open any charges that I will be notified first,
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent Equifax a letter disputing 9 late payments on my credit file reported by The Department of Education/XXXX. The Department of Education/XXXX is reporting 9 late payments which I believe are incorrect. The dates are 90 Days Late in XX/XX/XXXX, 90 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX. When I submitted my dispute letter to Equifax I stated that my loans were actually in Forbearance Status, I even submitted documentary proof showing all accounts during those time periods. In XX/XX/XXXX, The Department of Education/XX/XX/XXXX sent me a payment history letter showing all of my accounts and documented that all Loans were in Forbearance during that period. I believe that Equifax is not properly investigating my disputes, or taking it into consideration that it is proof shown in black in white on the payment history letter by The Department of Education/XXXX that the status of my loans says " Forbearance ''. Equifax has not only disregarded my documented proof but they have also violated my rights.
Complaint sub-issue: Account information incorrect

Subject : XXXX Wrongly reported missed payment to credit bureaus. 

I leased my car with XXXX in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed XXXX about my new address. I have been paying taxes since day XXXX on time. Below are dates of each year XXXX sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
XXXX Account XXXX. XXXX Case I opened with XXXX : Dispute # XXXX Details of property taxes I have been sending to XXXX are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}
Complaint sub-issue: Account information incorrect

This is a multifaceted problem. I took this loan out for emergency repairs to my home, approximately {$25000.00}. As I had just purchased my home, my credit options were limited. The contractor I hired offered Greensky as a financing option. ( My issue is not with the contractor ). Prior to accepting the loan, I carefully read the terms, however, since accepting, I'm finding some of their practices to be deceptive, predatory, and unethical. First of all, the loan is presented as a " credit card. '' I believe this is a loophole to avoid usury laws. 

The terms of the loan are essentially that I have one year to pay off the loan in full. If it is not paid off within that time, I automatically owe the interest for the full term of the loan, regardless of how quickly I pay it off. This will result in automatically being charged approximately {$29000.00} in interest on a {$25000.00} loan, again, regardless of how quickly I pay off the loan. The payments I make now only go toward the interest, but if I pay it off within the promotion period, those payments are applied to the principal. As such, my credit report reflects that I have not made any payments on the loan. It still shows the full balance. In fact, it often shows that I am over the {$25000.00} credit limit, because although it is zero percent interest for 12 months, they are still billing me as though I'm paying monthly interest. 

My plan from the beginning was to refinance the loan at the end of the term. The real issue arises in that because the company is reporting 1 ) that the balance has not decreased, and 2 ) that I am over limit, this loan is having substantial negative impact on my credit score, thus eliminating my chances of qualifying for a loan to refinance. Since taking out this loan, my credit score has dropped 80-100 points. My score went from about 755 to about 628, despite paying off a credit card, and several hard inquiries dropping off my report. I believe this company does this on purpose, in order to keep customers trapped in this loan. 

Additionally, I'd like to point out that although I was truthful in my application, I was shocked that this company gave me {$25000.00} without asking for a single piece of documentation. It seemed absurd to me, especially in light of the fact I had just taken out a mortgage a month or so before. This leads me to believe this is a predatory lender that gives out loans with no regard for the customer 's actual ability to repay. 

There are many shady, deceptive, predatory things going on with this loan. I'm hoping the CFPB will address this to save me and many other potential customers the heartache of dealing with this company.
Complaint sub-issue: Reporting company used your report improperly

You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX or XXXX In accordance with the Fair Credit Reporting act 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: Personal information incorrect

One of my addresses says Ive lived in CA and I never lived in CA.
Complaint sub-issue: Account information incorrect

I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. 
I have asked for proof of this being my account and have not recieved anything. 
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to IC System on XX/XX/XXXX via certified mail regarding account starting with XXXX, to which they responded that they were not able to locate/verify the account. I sent a letter to XXXX asking them to delete this account from my credit report because it can not be validated and thus being falsely reported. In addition to the failure to validate the debt, IC systems is now reporting that the date of last active is XX/XX/XXXX which is considered re-aging and is illegal. This is not my account and it should be deleted immediately.
Complaint sub-issue: Account status

I am on ssi and have insurance that covers medical bill I have no co pay but they put bills on my credit report any way please remove medical
Complaint sub-issue: Investigation took more than 30 days

When I looked for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was gathered by an aggregation website, which encouraged me to examine the website 's FAQ section before contacting around nine separate websites. I was ashamed by the fact that I had to request that my items be taken, as I respect my privacy. I discovered unauthorized fraudulent accounts on my credit record ; I would like these accounts to be erased and rectified. Remove any fraudulent and bad accounts from my credit report. This has impeded my capacity to obtain financing. I am making every effort to regain control of my life. Please help me eliminate any bogus accounts. Please inform me of any other steps that can be taken to remove these accounts from my report.
Complaint sub-issue: Account status incorrect

Hello, and thank you so much for this website. I have been a long time customer with Macy 's Department Store, and recently started to have an issue with them. I had received a notification from XXXX XXXX about my credit score. I have and XXXX credit score, my credit score dropped 200 points, because Macy 's reported me 170 days late for non-payment, when I never received a bill from them. I called the credit line I was informed by XXXX, that the bill was sent to an address that I moved from in XXXX. He than advised me that in order to get the derogatory statement removed from my credit report, I would need a confirmation number from the post office. I advised him, I have several other store department credit cards, and never had to do this. I advised nothing could be done until I get a confirmation number. I ask to speak with a manager, this was on XX/XX/XXXX I was transferred to XXXX, she advised me of the same thing. I advised her to date I had not received a bill from Macy 's, she advised me that it was my responsibility to call them, and advise about the change of address, and that they weren't going to correct my credit report. I then called the Executive Office on XX/XX/XXXX, spoke with a representative named XXXX. I advised her of the situation, she basically told me the name thing. I advised her whenever I made a purchase at Macy 's they always verified my information at the the register, such as is you email still the same and your phone number. My information was always correct, so I advised XXXX of that, she told me they called me over 41 times in XXXX of XXXX at a number that I used for my business fax machine, that I never gave out. I advised her when I was ask if my info was correct at the register, that they had my current information, XXXX advised me that, that information doesn't filter down to them, and that I should have called. How am I as a customer suppose to know that the information I gave at the register doesn't filter down? Then she tells me that they didnt report me a a 170 days late it was only 30 days, I then I advised her if she can see that, she could also see that date that I moved in XXXX, it was also on the credit report. XXXX refused to correct my credit report, stating all this was my fault, and that I should have contacted them. Macy 's messed up my credit report, over something that could have been corrected, I have had the same phone number for 30 years, I always pay my bills on time, my credit score dropped 200 points. I want my credit score corrected, I had to end up closing my Macy 's credit card account over this. Thanks
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX/XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Account status incorrect

Credit reporting agencies are in violation of the law for reporting inaccurate and misleading accounts.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Information belongs to someone else

Two ( 2 ) applications for credit fraudulently using my name were submitted to XXXX by : 1 ) US Bank and 2 ) Elan Financial during XX/XX/2019. The person committing the fraud used a 10 year old previous address. I was called by US Bank as they were suspicious of the old address. I confirmed I did not apply for credit with US Bank and Elan Financial. They told me they would : 1 ) cancel both credit applications, and 2 ) advise XXXX to remove the inquiries from my Credit Report. I wrote to both XXXX and US Bank/Elan   formally requesting removal of the hard inquiries twice. They have NOT removed the fraudulent hard credit inquiries.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account : XXXX 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