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

Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your credit score if you pay them a monthly fee. For instance XXXX XXXX ( online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.
Complaint sub-issue: Frequent or repeated calls

I have a company that is calling me several times a day, on the few times they leave a voice message the say " XXXX XXXX ''. I do not know who XXXX XXXX is? Now, they are calling my Nephew looking for me and they have called him several times. I do not know how they would have his phone number, I never put his number down on anything. I don't know how they would associate me with him. 

My last name is XXXX and my Nephews last name is XXXX. 

The last time they left a message with my Nephew they gave this phone number XXXX. You could not understand the Gentleman 's name that called. I attached a copy of the voice message transcript from my Nephews phone. The first XXXX number on the message is a phone number to a XXXX talk  line. I am not happy about that at all. 

The easy way to reach me is by text or email. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

For over a year I have been reaching out to all 3 credit bureaus to remove items on my credit report that were a cause of fraud. I have requested validation and verification in the form of originally signed contracts etc. Each company has failed to help me and instead placed a lock on my credit profile but refuses to investigate the items in question or remove them from my credit report despite providing them with paperwork supporting my claim that my information was stolen and used without my permission. I am formally requesting these items be removed so that i can finally move on with my life.
Complaint sub-issue: Problem with customer service

I have requested FedLoan to look into all my payments and to see which qualify for income and loan forgiveness. Seems to me they're dragging their feet. I've been a long forcement since XXXX end is XXXX I should have one more year left but they're telling me since I wasn't under the program I don't qualify even though I can prove that I've been in love working XXXX why shouldn't matter that I wasn't under the program?
Complaint sub-issue: Debt was paid

I have been a customer in good standing for many years with XXXX XXXX. 2 months ago I started receiving collection notices from Jefferson Capital for XXXX. I contacted XXXX  and they said I am a good customer and I do not owe an old collections bill.
Complaint sub-issue: Account terms

i have multiple fraud accounts on here I would like to see proof of every single piece of information that can prove that they have the correct person. I will file a police report if no actions have been taken. Every single creditor and business bureau that has collections out on me. I want to see the proof And there are lots off closed accounts that have been paid and never got taken off of here as well
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/20 I sent out 609 letters to all 3 credit bureaus XXXX, XXXX, and Equifax. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : 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 I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Complaint sub-issue: Reporting company used your report improperly

accordance with the fair credit reporting act XXXX  Account XXXX ( XXXX 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. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.
Complaint sub-issue: Information belongs to someone else

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$4900.00}
Complaint sub-issue: Card opened as result of identity theft or fraud

My wallet was stolen outside a parking lot located in XXXX XXXX California. Someone tried to use use my information to open a Macy 's credit card. They bought several items with the credit card. Without me not knowing, I have already reported with the police, credit beuarus, and Macy 's Fraud Department.
Complaint sub-issue: Debt was paid

THIS IS MY 5TH COMPLAINT Pursuant to 28 CFR 74.11 ; the Fair and Accurate Credit Transaction Act and 5 CFR 1315.4 This is your notice of default and opportunity to cure. I have Acima app downloaded and it is not recognized me as a user as if i do not have an account and was logged out automatically when the account became closed.. I obviously dont have access. Acima customer services DOES not speak English and have a very hard time understanding. And I DO NOT HAVE TO PAY BY WEBSITE OR CONTACT YOU OVER THE PHONE to handle this debt I AM IN CONTACT WITH YOU AT THIS MOMENT, your refusal TO ACCEPT lawful monies such as cheque, money order or any other lawful spieces of medium of exchange, is an automatic discharge by your non acceptance to perform under UCC-1-308 UCC-4-406 PLEASE explain this symbol XXXX $ Until I Receive an correct bill or invoice in my mail box or email. I refuse to pay anything. Despite all my efforts to resolve this matter privately, you have willfully and negligently continued to violates me per fair debt collections practices act as well as the criminal code 18 usc 1001, you have been notice to estoppel, I now rescind MY signature IN CONNECTION with the transaction of this contract per UCC-3-202 due to your breach of contract fro inserting my rights by fraud and mistake for the false advertising of payments t shown at the retail are different from on the contract. They display monthly payments while Acima send contract for weekly payments 18 USC 8 I now invoke my rights of claim to the instrument used in connection with the transaction, I have reasons to believe I am no longer receiving value for my part in the transaction, i no longer consent to any furnishings i Now renovation of election for good cause. Please fill out a w-9 and send it me. In accordance to title 28 usc 3002 ( 1 ) ( b ) and 31 usc 3718 i demand Acima to provide me of evidence of how and whOM has the authority from your organization to collect the debt.
Complaint sub-issue: Debt is not mine

received letter from AFNI saying i owed monies on potential litigation. i was not in an accident on date of lose XXXX, i have never heard of this litigation, this seems to be total fraud. they give the insured name as XXXX XXXX XXXX never ever heard that name.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Card opened as result of identity theft or fraud

GreenSky financing account opened in our names by Renewal by XXXX despite our insistence that we would pay cash for our renovation project. 

We only found that the account was opened because the sales person charged 3 times the down payment amount to the account without our approval. 

A payment on the fraudulently opened account was missed before the new windows were even installed. GreenSky threatened to damage our credit rating. 

It took over a month to have the account XXXX  out. GreenSky still shows the account as available on their site. 

Beware of XXXX XXXX sales personnel & GreenSky financing. All they want to do is set up a fraudulent account & start charging fees.
Complaint sub-issue: Account status incorrect

A letter was sent by MYSELF demanding late payments, CHARGE OFF accounts that are still reporting LATE payments monthly, and collections be removed. I was sent a letter that denied my request because " they do not think its me ''. A photo copy of my license was sent with this document as well. 
Demanding that charge off accounts reporting late payments monthly be removed, such as XXXX XXXX, XXXX XXXX immediantly Demanding late payments between XXXX be removed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  missouri XXXX XXXX XXXX XXXX removed immediantly. Collections accounts such as XXXX XXXX and XXXX XXXX XXXX be removed immediantly.
Complaint sub-issue: Information belongs to someone else

the information being reported on my credit report is incorrect. 
it's a few days short of 30 days and i have not received any updates on my fraud dispute letters. 

This Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX Account # XXXX Date Opened:XXXX Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX Equifax Credit Information Services INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I tried disputing an erroneous bankruptcy that LexisNexis has been reporting on my credit report. On XX/XX/2019 and on XXXX XXXX, 2019 they received a copy of my dispute via U.S.P.S priority mail confirmation. LexisNexis failed to investigate or respond to my dispute. According to the Fair Credit Reporting Act, they had 30 days to investigate. They failed to investigate. This item must be deleted.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The three credit bureaus are lying about verifying information with creditors.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This new complaint is in response to a recent one ending in XXXX against Clarity Services. Their response to me was robotic and made no sense whatsoever : " In response to this complaint, on XX/XX/XXXX, Clarity Services Clarity contacted the consumer to request the information necessary to assist with their concerns. On XX/XX/XXXX, Clarity contacted the consumer to assist with their concerns. On XX/XX/XXXX, Clarity received the information to verify the consumer. On that same day, Clarity processed their dispute request. As of XX/XX/XXXX, the consumer has not requested any further actions be taken with their file. '' I was and am disputing within CFPB 's platform. I already stated from the BEGINNING what my complaint and desired resolution was : an inquiry that's illegally reporting and needs to be deleted immediately! So what in the world were they talking about that " consumer has not requested any further actions be taken with their file ''??? That's not true. Moreover, I have no clue where this inquiry came from and Clarity responded to me with ZERO PROOF of where this rogue hard inquiry came from! The illegal inquiry was made by them on XX/XX/XXXX and needs to be deleted! It's unauthorized & not mine! My ID is attached!
Complaint sub-issue: Investigation took more than 30 days

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXXE, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Received bad information about your loan

My complaint revolves around the severe financial, personal, and career consequences I incurred due to false and misleading information provided to me by Texas Guaranteed. For years I was making payment on loans of about $ XXXX with a monthly payment of {$300.00}. Around late XXXX I started falling behind as I received a severe paycut at my job of about 20 % due to loss of bonus at XXXX XXXX.I contacted Texas Guaranteed numerous times and each time they said I had already exhausted all options and there was nothing I could do. I was still paying though even if late. Eventually I could not keep up and tried to find another solution as lates were starting to impact my credit rating. No one ever returned my call. A few months went by and I finally gathered a few hundred dollars by selling off personal belongings. I called to try and make payments and I was denied. They wanted ALL payments that were past due. This was not possible as I had just a few hundred not thousands of dollars available. 
As a consequence I was advised to wait a few months because they had another solution for me. Their " solution '' come to find out in late XX/XX/XXXX was that they had filed for a WAGE Garnishment! They immediately started taking {$650.00} per month which was over DOUBLE my regular payment of {$300.00}. I called again pleading for help. They said this was the only route to reinstate a good standing and then conned me for MORE money. They said I had to pay another {$120.00} per month penalty as well. So all in for almost a year they took $ XXXX per MONTH. 
As previously advised I was already lacking enough funds prior to any of this. This lead to defaulting on all my credit cards as I simply didnt even have any money after rent and student loans and barely any food to eat. 
After a year they stated congrats you are back on track, we will remove garnishment. However they had ADDED nearly $ XXXX as a " Collection Fee '', So aside from wrecking havoc to my credit forcing me to default, losing 60 lbs due to near starvation, losing apartment and living in my van they ADDED $ XXXX after I had already been garnished/paid nearly $ XXXX! 
This damage continues to this day. My student loan is now being serviced by another but it reflects an LTV of over 130 %. This loan has been negatively amortizing even though Ive been paying for nearly 2 decades!!! 

I need all this investigated, fees/penalties removed, lates corrected and compensation for ancillary impacts such as credit decline, increased cost of borrowing, homelessness ( due to forced garnish ), and overall lying and stealing tens of thousands from me.
Complaint sub-issue: Reporting company used your report improperly

I have never conducted business with XXXX XXXX XXXX. They are reporting to all 3 Bureaus negative and inaccurate information. I do not have a contract with XXXX XXXX XXXX. They are in violation of my consumer rights.
Complaint sub-issue: Information belongs to someone else

I have Hard inquiries on my report that i did Not authorize at all! 

XXXX - XXXX XXXX, XXXX bank & XXXX Credit - XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/2021 Equifax XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/2021, The LENDING CLUB reported me as having a LATE payment. I was on a deferred status due to covid-19 and there was a lot of confusion on the terms of this deferred status. I contact LENDING CLUB and inquired about why they reported me as late. I was told by a representative that there should not have been a late payment reported to the credit bureau as ALL MY PREVIOUS PAYMENTS have been on time and reported on time as it should be. This was supposed to have been 'escalated ' and a manager call me back or email me. No one has responded. I reached out to LENDING CLUB again today XX/XX/2021 and a representative said the problem was resolved and they will NOT be removing the error to my credit report. NO ONE REACHED OUT TO ME. I asked for a re-review of this and I am requesting this negative mark be removed IMMEDIATELY FROM MY CREDIT REPORT! This has impacted my life negatively and also any prospect of me securing a loan to move. The CARES act was not followed accordingly by LENDING CLUB and i want an investigation to be opened on my behalf. LENDING CLUB is not following regulatory and compliance guidelines. I am requesting resolution and my credit report to reflect my payments have all been timely. Please remove this negative reporting from my credit immediately. I have paid all payments ON TIME EVEN ALL THE DEFERRED PAYMENTS LENDING CLUB HAS REQUESTED I PAY UPFRONT. I now believe I have been discriminated against as a woman and a woman of XXXX  background. I am also a woman of a small minority owned business and I have been affected by the covid-19 pandemic to which this has cause great physical, emotional and economic suffering to me and my family. LENDING CLUB has violated the law and this needs to be corrected immediately.
Complaint sub-issue: Problem with paying off the loan

I was hit and my car was totaled in XXXX. I had an extended warranty on the vehicle and there was a refund of the unused portion of that warranty. Because there was still a small balance on the loan and the Title was still with U.S. Bank the dealership refunded the unused warranty money to U.S. Bank. I had payed off the loan not knowing the dealership would send the overage to U.S. Bank. U.S. Bank has been over payed for the loan in the a mount of {$2000.00}. The dealership sent a check to U.S. Bank for {$2000.00} on XX/XX/2020. I have called U.S. Bank 15 times about this matter and they continue to tell me that they do not show having received the check. Multiple Bankers and Managers have promised to look into this matter and call me back. To date I have received 0 call backs. The time I have spent trying to resolve this matter can never be recovered. In my opinion U.S. Bank should be trying to resolve this matter but that has not happened. Please HELP. The names and locations of the 15 people and five call centers I have talked to can be provided if you wish.
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/XXXX I had just got on my feet again, when I encountered an interest in a man unbeknownst to me was suffering from XXXX. Not only did he begin to rob me every payday but everytime I used my credit card to help myself. Eventually, In XX/XX/XXXX he was XXXX XXXX by my baby brother here in my yard. At the time I owed the XXXX but had no way to pay it after I lost my jobs, church affiliation and everything else it seemed. 
There was no victim assistance for the domestic violence I suffered and I have no way to pay this bill now. There is a judgement against in in this matter in the XXXX County Clerk 's office. As a tax preparer I know that the US allows for bad debt write offs, uncollectible debt tax credits and all other assistance. Please can you help me tell them.
Complaint sub-issue: Debt is not yours

ERC # XXXX XX/XX/XXXX {$270.00} XXXX # XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX # XXXX {$240.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$2400.00} THE FOLLOWING ACCOUNTSARE FRAUDULENT PLEASE DELETE
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX Account # : XXXX I have disputed this account information as inaccurate with Equifax . I have not received a response from Equifax and I understand the FCRA requires credit bureaus to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. There is a clear case of unverified debt here. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report.