Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

fraudulent hard inquiries on my account I didnt consent to pulling my credit XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, XXXX  and Equifax and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XX/XX/XXXX. It still continues to report to all 3 credit bureaus. The date opened for this account was back in XX/XX/XXXX. This is a major violation that needs to be removed from my reports immediately.
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. 

Account name : XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

XX/XX/2022 I sent certified letters to XXXX, Equifax, and XXXX regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XXXX XXXX, 2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from XXXX, Equifax, or XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged
Complaint sub-issue: Information belongs to someone else

This is my fourth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$3400.00}
Complaint sub-issue: Problem getting your free annual credit report

Due to multiple disputes on XXXX XXXX XXXX account ending in XXXX that has not been corrected I have used all my free credit reports. I have disputes this 10 times and they still have not corrected it. I have sent end documentation electronically, by mail, and by certified mail multiple time. I have call 20 times and they still have not corrected issue. The acct ending in XXXX show charge off with balance and 23 missed payments that has not been corrected. I have sent 5 letters for  method of validation since XXXX of 2019 and they have not responded to any of the letters.
Complaint sub-issue: Information belongs to someone else

I have some inquires that I don't recognize on my credit report. please delete the following inquires XXXX XXXX XXXX XXXX, XXXX, XXXX. This is a 604 FCRA violation please delete these unauthorized inquires I have never applied for any accounts with these above-mentioned accounts or companies.
Complaint sub-issue: Account information incorrect

Equifax dropped my FICO Score 62 points based upon a XXXX Credit Card, which has never been late. We routinely pay the card in full multiple times each month to keep the balance low. In this particular instance, the balance jumped up 90 % for one day, and I have been penalized 62 points. I am searching for a home, and this fluctuation in my FICO Score does not help.
Complaint sub-issue: Information belongs to someone else

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXXXXXX Balance {$0.00} XX/XX/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 Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX ) XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I received an email today from XXXX Department store. The subject line was "Credit Card - Minimum Payment due Alert".  It provided my statement balance, Minimum due, Payment due date and last payment amount. It then stated "If a payment was already sent, or is scheduled to be paid, please disregard this message.  I have been a client of XXXX since 1996.  They just granted me the status of "Platinum Customer". I want to file this as a formal complaint against XXXX that they are sending email alerts about a payment that is due in five days.  This is horrible business practice.  I did let XXXX know that if another email as such came I would close my account. I would appreciate a response to this complaint
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Hunterwarfield is not licensed to collect debt in Florida. I am requesting that this account be removed from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

I go to XXXX XXXX hospital and then the send a medical bill is {$3200.00} and then I said I have no capacity to pay the bill. I want to make payment arrangement. But the do n't say nothing. The send my bill to debt collection agency. And right now the collection agency charge of interest with my medical bill. So right now what I do.and I already contact to agency to make a payment arrangement like {$40.00} as month.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I sent in various letters stating the law and why it is illegal for unauthorized accounts that were furnished on my report without my consent needed to be removed. The reporting agencies have not removed these accounts that have been illegally furnished on my account. I sent in notarized affidavits along with my FTC reports and other documents I will upload here. These documents were sent to XXXX, Equifax, and XXXX. The accounts are still on my consumer report and I am going to take my documentation to the courts and sue for every violation that is on my consumer report. 

I would like to state that XXXX, Equifax, and XXXX are in violation of 15 U.S.Code 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 written consent to report anything on my consumer report. No consent is identity theft. The items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX, equifax 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 allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX, Equifax and XXXX wants to continue doing business with me they should delete the unauthorized items from my consumer report.
Complaint sub-issue: Right to dispute notice not received

I have applied multiple times and given appropriate paperwork for this death to be forgiven under the law of XXXX Nelnet has not followed up on their end with debt forgiveness even though I have provided all paperwork asked for ; XXXX LETTER, DR. LETTER
Complaint sub-issue: Debt is not yours

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX. I cant say this more emphatically, I have never had a XXXX  account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I was misguided to enter into forbearance and only finally entered into the Income Based Repayment Program in XXXX. 

In XXXX the Income based repayment plan was made available and I should have never enter into this instead, which would have significantly reduced my current burden. I have been flagging this issue of being misguided into this step and seeking to retroactively shifting my forbearance status for a long time both in written form and via phone calls, but this has not been possible. However with the changes announced XX/XX/XXXX by the Biden Administration regarding a review of forbearance status in situations where students were misguided, I want to ensure that my records are reviewed as this was exactly my situation. I am about 2 years away from being able to submit my application for PSLF and this review on the months related to forbearance would be pivotal in the process.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that doesn't belong to me or I never authorized. I notified my aunt whom is a lawyer and she instructed me to follow these steps by filing a complaint. So far no action was taken by the companies as of yet.
Complaint sub-issue: Information belongs to someone else

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX XXXX 2. ERC 3. XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Debt is not yours

Fraudulent invoices by XXXX  Alleged Date XXXX - XX/XX/XXXX & Amount - {$230.00} Alleged Date XXXX - XX/XX/XXXX & Amount - {$1100.00} Alleged Date XXXX - XX/XX/XXXX & Amount - {$13.00} Details - I received a 2 invoices for services my company never used. XXXX does not have a XXXX account. Never open or used a XXXX account. First FRADULENT invoice was for some international XXXX shipments in the amount of {$1100.00} and the second FRADULENT invoice was for {$240.00}. 
XXXX does not have and Never open a XXXX account and Never Shipped via XXXX, So XXXX should have never received these invoices. One of the FRAUDULENT has been sent to EGS Financial Care , Inc, which I also received a FRAUDULENT invoice from EGS with address listed at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX VA XXXX XXXX 

Action Taken by Me ( XXXX ) Contacted XXXX at XXXX and i was told they see the charges and a representative will call me back. This FRADULENT invoice Issue has not been resolved as of XX/XX/XXXX. These are FRAUDULENT invoices. XXXX has never open XXXX account and never incurred these alleged charges.
Complaint sub-issue: Investigation took more than 30 days

This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX I have informed this debt collector, AutoTrakk, in writing that during the validation process this alleged account should not be on my consumer report since it has not been validated and contains inaccuracies. I have received a return receipt that was signed by one of their employees notifying me that they have in fact received this letter. Please see attached. Yet, this alleged account that has not been validated and contains inaccuracies is still reporting on my consumer report, which is an act of fraud. I can only assume that this is also an act of constructive fraud against me, a consumer, being that the reporting of this alleged account is in violation of the FCRA, FDCPA, and is a defamation of character. As a consumer I am requesting that AutoTrakk removes this unvalidated and inaccurate alleged account immediately.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2018, a charge of {$330.00} was drafted from my account from the XXXX XXXX XXXX XXXX for a student loan. 

I contacted my student loan servicer, Nelnet, and they stated that as of XX/XX/2018, all of my student loans on record are in deferment due to my in-school status. They stated that they show no record of any payment being taken from my account on their end. They said they would keep an eye out for the transaction to appear on their records. 

I contacted my bank and disputed the charge.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently filed a complaint and was not resolved, and the law was not upheld. Equifax did not address how they failed to respond to a few of my dispute letters even though certified mail tracking via USPS confirmed they were left with an agent! The company didn't address my right to privacy being violated. For example, I STILL don't know how companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX obtained my private and personal nonpublic information to be able to furnish information onto my credit report to nonaffiliated third parties, such as Equifax! How did they get my social security number and who gave it to them??? Another thing that was never addressed by Equifax is that I also never consented to have these companies to furnish information onto my credit report XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These companies do not look familiar, hence why I asked for physical documentation, such as any original agreements, along with the clear and conspicuous opt out disclosures, which the law states must be " adequate ''. If I am remiss, and actually signed these documents, I need to see them! Furthermore, Equifax never addressed that when a consumer informs the credit reporting agency or original creditor of inaccurate information, they are to discontinue reporting the disputed information until the information is deemed inaccurate or factual. This did not occur! Equifax reported the entire time! Adding dispute remarks does not change the fact the this law was not followed!! Lastly, I did not consent to E-Oscar verification. I do not consent to E-Oscar verification going forward! Equifax never provided me with any real proof or documentation for the methods used during their alleged investigation, which I have the right to request!
Complaint sub-issue: Information belongs to someone else

Open Date XX/XX/2018 Balace {$290.00} XXXX Let a person open a account in my name and sent the credit card to a 8 year old PO Box that shoudive gave them a red flag u don't send a credit card to a PO Box u send a card to a fiscal address, this is wrong that XXXX XXXX system is outdated what is open sky I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX and the cfpb.
Complaint sub-issue: Unexpected increase in interest rate

Rate increased from 17.74 % to 22.74 % with no clear explanation of why. They state my XXXX score was XXXX in XXXX. It is suspicious because my XXXX was XXXX and above before and then it increased to XXXX in XXXX & XXXX. My current XXXX  card does not charge late charges and Citicard has been marketing heavily to convert it to their XXXX XXXX card. Today, XX/XX/XXXX, their agent XXXX said he couldn't lower the rate despite being told of the XXXX score. My account is and has been in good standing and this large increase is not only ethical but unjustified.