Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called TEK-COLLECT nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX DE XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Information belongs to someone else

I'm filing this complaint to alert you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of accounts and objects that do not belong to me or were opened without my authorization. 
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. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.
Complaint sub-issue: Information belongs to someone else

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX. Validate Account XXXXXXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Public record

The credit reporting agencies ; XXXX, Equifax and XXXX are reporting a public Record Bankruptcy which is inaccurate in it filing. The CB 's are stating that the information has been " VERIFIED '' according to XXXX and the bankruptcy court. Both the XXXX court of Clerks and Lexis Nexis have verified that the information is NOT reporting therefore is NOT VERIFIED. According to the law and my rights under the the law of the FCRA, Consumer Debt Law and the Public Record Act, if the information stated is INACCURATE IT MUST BE REMOVED or provide material evidence of who, how and where it is reporting!! I am requesting that the CFPB advocate for me in this matter.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX, Account Number XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Complaint sub-issue: Received bad information about your loan

My Loans are with Nelnet-I believe they picked up loan in XXXX. 
1-My Federal Student Aid acct mistakenly lists me as having borrowed {$620000.00}. Fed Student Loan people said that is due to the people who service the loan. 
2-Nelnet told me my loans were covered under the Cares Act waiver of interest from XXXX to XXXX. I had called to see if I had to fill anything out. They said nope we do it all for you ... They tacked on XXXX of interest on XX/XX/XXXX. When I called Nelnet a different rep said no you aren't covered because you are in bankruptcy. 
3-Nelnet is not able to send me documentation of my loans or amount borrowed ... they said they would send me a promisary note they had for XXXX. I didn't borrow XXXX. 
4-Federal student aid Omnibudsman said my loans were consolidated in XXXX which is incorrect. My loans were switched to 6 different servicers over the years-not because I requested but because they took them ... a lot of errors and misinformation appears to have occurred due to the various servicers errors. 
5-One man at Nelnet will not allow me to pay on my loans but is continuing to post interest to the loan. My student loans were not part of the bankruptcy and were listed as " outside of bankruptcy. '' Nelnet said I have to go to my judge and get him to allow me to pay.
Complaint sub-issue: Reporting company used your report improperly

In accordance with a fair credit reporting act [ XXXX  # XXXX, HUNTER WARFIELD # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).
Complaint sub-issue: Information belongs to someone else

Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX, XXXX and Equifax are reporting inaccurate information on my credit report which is decreasing my score. With my score being lowered, I can't be approved for loans or credit cards. The inaccuracies including late payments, open accounts that doesn't belong to me and inquires which are fraudulent.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2021 I received a notice of debt from " JEFFERSON CAPITAL ''. with this communication they've engaged in the following actions : Violation of 18 U.S. Code 1028 ( a ) ( 7 ) Violation of 15 U.S. Code 1692c ( a ) Violation of 15 U.S. Code 1692c ( a ) ( 1 ) Violation of 15 U.S. Code 1692d Violation of 15 U.S. Code 1692d ( 1 ) Violation of 15 U.S. Code 1692d ( 2 ) Violation of 15 U.S. Code 1692e ( 2 ) ( A ) Violation of 15 U.S. Code 1692e ( 10 ) Violation of 15 U.S. Code 1692b ( 1 ) Violation of 15 U.S. Code 1692b ( 2 ) Violation of 15 U.S. Code 1692b ( 5 ) On 07/22/2021 I sent " JEFFERSON CAPITAL '' an affidavit of truth ( via certified mail ) regarding the " notice of debt '' and how with this notice they have violated federal law, constituted identity theft, and caused and invasion on my personal and consumer privacy. I sent " JEFFERSON CAPITAL '' a consumer demand for civil penalty pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) and pursuant to 15 U.S. Code 1692k ( a ) ( A ) On 07/26/2021 the postal service confirmed " JEFFERSON CAPITAL '' received my communications. 

On XX/XX/2021 I spoke with an agent of " JEFFERSON CAPITAL '' ( XXXX XXXX ) and she further confirmed that " JEFFERSON CAPITAL '' had received the affidavit and consumer demand. 

" JEFFERSON CAPITAL '' is knowingly and willingly violating federal law and not adhering to their legal obligations. They are running wild and need to be stopped. Many consumers will be harmed if they don't stop.
Complaint sub-issue: Account information incorrect

My dates opened arent the same on each credit bureau, my date last active arent the same on each credit bureau & my last reported dates arent the same on each credit bureau.
Complaint sub-issue: Information belongs to someone else

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.THANKS
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with FCRA 605B, I requested a block of information on my XXXX XXXX and Equifax credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report ( XX/XX/XXXX and XX/XX/XXXX ), detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( previously determined to be fraud in XX/XX/XXXX ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XX/XX/XXXX via USPS Flat Rate with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, XXXX account determined to be fraudulent and removed from my credit report in XX/XX/XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I moved out of my old apartment almost a year ago and was told by them that I was paid in full. About six months ago I started to get harassing phone calls everyday while I was at work as well as constant voicemails. Around a month ago one of the collectors got rude with me and proceeded to yell at me before I hung up. Ive tried to contact the apartment complex on multiple occasions for months now. Just now succeeding a few weeks ago.
Complaint sub-issue: Problem getting your free annual credit report

Equifax makes the process to obtain our free credit report deliberately so difficult it is practically impossible to do so, after 5 attempts, I finally received a notice saying online delivery was not available. No options of contacting them was given. 

I will submit the paperwork to obtain my report via mail which I assume will take 4-5 weeks to be processed also putting my personal information at risk. 

The federal government should hold them financially accountable for not living up to their promises in any way.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$730.00}
Complaint sub-issue: Account information incorrect

This account was paid in full on XX/XX/19 in the amount of XXXX. I advised Equifax of the payment and requested that the account be updated. Equifax is still reporting this account as unpaid for the amount that has been satisfied. XXXX XXXX has been paid and is refusing to update the information with Equifax. It was paid to them directly and not to any third party.
Complaint sub-issue: Account information incorrect

For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX  XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my Equifax and XXXX XXXX credit scores with XXXX XXXX and discovered that Equifax had lowered my credit score by 56 points and XXXX XXXX by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by Equifax and XXXX  was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed immediately.
Complaint sub-issue: Information belongs to someone else

I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/2022 called Hunter Warfield in attempt to pay debt. I was sent a letter for {$770.00}, but they are asking for more than that. They sent letter to wrong address. It needs to be sent to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA.
Complaint sub-issue: Account information incorrect

I was shocked when I reviewed my credit report and found late payments on the dates below : ( XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Didn't receive terms that were advertised

Hello, I opened XXXX XXXX account on XX/XX/2022 under the following terms : - Direct Deposit $ XXXX every 30 days for 90 consecutive days - Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days After completing those terms, the account should be credited with the {$500.00} referral bonus.

I completed those terms already and still have not received the {$500.00} bonus.

Please advice.

Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 or information. However, such information shall not include specific factual 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.

They also violated my rights several times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy. 

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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: Inadequate help over the phone

I initiated this dispute with XXXX on XXXX/XXXX/15 after business hours. The very next morning, I received a notification from another credit bureau that I pay a fee to monitor my credit report that every account I disputed ( with the exception of XXXX had be updated ). I find it hard to believe Equifax was able to " verify '' the validity of those accounts in less than XXXX hours. In addition, they waited until the end of the XXXX day period to advise the information was factual and would remain. There is a clear issue of ethics and integrity with this credit reporting bureau. They are not actually verifying items, they are simple identifying them as valid. They have an obligation to verify and report accurate information.