Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

Contacted Legal Collection Agent to notify them a credit collection alert was place on my credit report fraudulently through Hunter Warfield. The collection has been settled and paid in full in the amount of {$150.00}, agent was suppose to send receipt and documentation that there will be no collection account reported on my credit report as it has been settled. Collection Agent stated she will fix the error and will send to all credit bureau to get removed. She stated it will usually take 7 days for credit agencies to refresh after she sends out the electronic request. Hunter Warfield never notified me of there mistake, nor apologize for there error they caused to my personal credit profile. With the collection/late added on my report, my FICO score dropped nearly 30points. We just recently purchased a new vehicle and higher interest rate offered could have been the root caused by Hunter Warfield 's error in reporting my account. Now I am stuck with the lower tier rating with a higher interest auto loan rate. Please have error fixed immediately so that we do not have to escalate further with our legal rights.
Complaint sub-issue: Debt was result of identity theft

Enhanced Recovery Company is trying to collect a debt from me for XXXX XXXX {$940.00} and XXXX XXXX XXXX {$760.00} I have never used anyone of these services in my life. The only services I have ever used was XXXX XXXX, XXXX XXXX ( XXXX until XXXX ), XXXX XXXX ( XXXX to present ). This is the first I have heard of this I haven't received any bills from XXXX XXXX or XXXX XXXX XXXX on this matter. The only reason I discovered this debt I open up my account on XXXX XXXX and seen XXXX XXXX and XXXX XXXX XXXX in collection. If you check my credit report I only have one account open on my credit report because all my life I paid for everything in cash. I am pretty sure it was identity theft but this need to be cleared off my credit report and pursue who ever done this or I would be force to file a civil lawsuit on Enhanced Recovery Company for harassing me on a debt isn't mines.
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( Equifax, XXXX, and XXXX  ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this XXXX  from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41.

-XXXX  XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

I obtained multiple XXXX  loans to fund my XXXX XXXX I recently XXXX  and recognized that I can not pay XXXX  loans as I don't make enough money to buy food, pay rent, etc. Fortunately my father helps me with expenses. We did an inventory of my XXXX  loans. I have XXXX, all with Discover Student Loans. XXXX of them my father had to cosign. XXXX of them they approved me without a cosigner. They positioned this as great news, what I didnt realize is that they were happy to charge me a predatory interest rate. All of my other loans ( with my father ) are a few basis points lower. This is where the complaint comes in .... I reached out to Discover to refinance the loan and add my father to bring down the interest rate. They refuse. They are now saying that I have to qualify for the loan on my own, which we all know I cant do ..... I have made on time payments to them for years and just want to add my dad to the loan to make it more reasonable, but they are trapping me in this predatory loan. I applied with my supplemental income to qualify ( the computer approved me with it ), but they wont use it and declined my loan. They are purposely setting me up for failure and default.
Complaint sub-issue: Card opened as result of identity theft or fraud

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$17000.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX  has violated my rights. On XX/XX/2020 there was an unauthorized inquiry. 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 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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. UNKNOWN- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Account information incorrect

I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.
Complaint sub-issue: Reporting company used your report improperly

On a XX/XX/2018, I contacted Equifax fried department, I spoke with XXXX in Customer service, then get Supervisor XXXX, who transferred me to the FRAUD DEPT who has access to my report. XX/XX/2018 Iyana in the Equifax Fraud DEPT.  processed a dispute to remove inaccurate reporting Bankruptcies. XXXX was very rude, and I let her know that. The inaccurate bankruptcies were deleted on XX/XX/18. On XX/XX/18 the very next day, I received notification that Equifax REINSERTED that same inaccurate bankruptcy ON MY FILE AGAIN! This was done by the same rude rep. XXXX. This is also ILLEGAL AND A CLEAR VIOLATION OF FCRA LAWS, that Equifax should abide by. Please see the attached law. At this point, I have already hired an attorney who has all this information. I was advised by my attorney to file an official complaint with CFPB and a few other regulating agencies. Equifax has failed to notify my in writing WHY an unverifiable bankruptcy was put back on my credit report which is law.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXXDEPT OF EDXXXX XXXX Balance : {$18000.00} -DEPT OF ED/XXXX XXXX Balance : {$8300.00} -DEPT OF EDXXXX XXXXXXXX Balance : {$7700.00} -DEPT OF ED/XXXX XXXX Balance : {$5400.00} -DEPT OF ED/XXXX XXXX Balance : {$4200.00} -DEPT OF ED/XXXX XXXX Balance : {$2000.00} -DEPT OF EDXXXX  XXXX Balance : {$1900.00} -DEPT OF ED/XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$15000.00}
Complaint sub-issue: Transaction was not authorized

On XX/XX/2022, there was {$4300.00} garnished from my joint account with PNC Bank without my authorization. 

I am personally not liable for the garnishment and have requested PNC Bank to release the funds several times, but they have failed to do so.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX ( applied via XXXX XXXX XXXX store ). This account was opened on XX/XX/XXXX - and currently has a balance of {$700.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
Complaint sub-issue: Account information incorrect

I received a bill in early XX/XX/XXXX from XXXX XXXX for {$720.00}. I never had an account with that company. I called them and spent over an hour on the phone during which the person I spoke to confirmed the following : ( 1 ) I never had an account with XXXX. ( 2 ) They received my information when the acquired XXXX XXXX service in XXXX XXXX, CA. ( 3 ) My account with XXXX was closed at the time XXXX acquired the account with a XXXX balance. Despite acknowledging these three items the woman said she could only route me to their billing department to set up a payment plan. I explained how illogical it was to make payments on a non-existent debt. She said she could n't correct the records, I could just set up a payment plan. Eventually she said she 'd transfer the call to someone who could help me but all she did was route me to the people who set up payment plans. I told them I did n't owe the debt and they re-routed back to the same number where I had just spent over an hour on hold waiting to be told nothing could be done. Rather than waste another hour talking to someone that I knew was n't going to resolve the issue, and having seen online the fact that numerous people in XXXX XXXX were complaining about XXXX being unresponsive to all complaints, I sent a check ( # XXXX ) to XXXX for {$720.00} on XX/XX/XXXX. I referenced on the face of the check that I did not owe the debt and that it was, in fact, a fake debt ( I have a copy of it ). As of the last time I checked, XXXX did not cash that check. I then received a notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX saying they were trying to collect the non-existent {$720.00} debt. I called XXXX again and spent another hour during which another XXXX employee re-confirmed the same three facts mentioned above. Despite recognizing that I obviously did not owe XXXX any money and that my old ( closed ) XXXX account also had a XXXX balance when it was acquired by XXXX, she asked me to send all of my records of payments to XXXX in order to confirm that XXXX 's own records were accurate that I did not owe XXXX {$720.00}. I explained that any such attempt was much more time-consuming than {$720.00} was worth even if I still had such records which I was certain I did not have. A short time later she hung up or we were disconnected as she tried to transfer my call. In an effort to save my credit rating from this utterly false debt claim, I did as directed in the letter and sent another check for {$720.00} directly to XXXX ( but this time without noting on the face of the check that I did n't owe it ). XXXX cashed that check on XX/XX/XXXX. Despite paying the amount that I never owed, XXXX reported this fake debt as a charge off and my credit rating dropped from well over XXXX  to less than XXXX. It is now affecting my ability to buy a home.
Complaint sub-issue: Personal information

I applied for and was denied consideration for a loan. I requested a report to see what was on the report upon receiving the report I noticed inaccurate and redundant information on my report and created a written dispute accordingly. The company continues to post inaccurate data on my report.
Complaint sub-issue: Frequent or repeated calls

They will not stop calling me and harassing me over an account which is not mine. They call me from different numbers.
Complaint sub-issue: Don't agree with fees charged

I was recently a victim of an identity theft. My bank account associated with direct debit for my student loan ( AES ) was emptied out and it had to be on a freeze. While my account was on hold, direct debit was rejected and I was hit with a late fee. I contacted AES to explain my situation and to have them reverse this fee but, they refused. I was never late once for over 10 years and I could not believe they would not waive a small penalty due for my uncontrollable circumstances.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2021, I became aware of a debt that was submitted to the credit reporting agency as past due. I immediately became concerned and requested more information. I soon realized that the debt had been obtained through identity theft. I contacted the debt collection agency, Plaza Services, on XX/XX/2021 to explain the situation. I was advised to submit a Identity Theft Victim 's Complaint and Affidavit ( attached ), which I did. When I got no response, I called on XX/XX/2021, and was told that they were investigating my fraud complaint and that they would not communicate with me directly. I subsequently sent a letter on XX/XX/2021, requesting that they stop all collection proceedings against me ( attached ). They continue to harass me and my family for a debt that is not mine and that was obtained through identify theft. I provided to them a copy of the police report as well ( attached ). The debt is through XXXX XXXX XXXX XXXX. I have never had any interaction with that bank and can verify that no funds were transferred to me from that bank. Plaza Services is in violation of FCRA 15 U.S.C. 1681 Section 623, which states, in part : " When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. ''
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX acct # 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. 1681 section s-2 ( a ) ( 1 ) ( A ) states 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: Reporting company used your report improperly

Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called " Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own backsides from getting sued like they rightly deserve.
Complaint sub-issue: Information belongs to someone else

They have failed to remove the repossession as well as incorrect late payment dates. Several letters have been sent and nothing has been done to take care of the situation. The car is to be in my father 's name and not mine. This is affecting my home buying process. This has been an issue that I have been attempting to resolve since XX/XX/XXXX. Last letter was sent in XX/XX/XXXX asking the bureaus to remove the negative statements on my credit report. Also XXXX has said they would send a letter to the bureau 's to have those negative remarks removed, so either nothing was done or XXXX never sent those letters. This vehicle needs to be removed immediately and and corrected for it is bringing my father 's credit score down.
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : US DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$530.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$150.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX  AMOUNT : {$14000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Complaint sub-issue: Public record information inaccurate

See the letter that's attached ( Violation Fair Credit Reporting Act ) ...!
Complaint sub-issue: Their investigation did not fix an error on your report

I acquired my credit report and asked the credit bureaus to check and sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of the last payment is not correct on three credit reports.which is a violation. This is impacting me from moving forward to buying a house for my family.I attached my previous credit report and my new credit report to show how Equifax violated my rights.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Credit karma had filed for my XXXX taxes. Or claimed they did. They sent me an accepted file for my state and federal taxes. I never recived the {$2200.00} direct deposit they claimed I was supposed to. How could they send me accepted forms and never my $? Its Now XXXX filing time over the year of frustration I havent received even one letter concerning the issue ... the emails never pertain to the issue and they have NO phone #!!!!! It wouldnt let me look at my old forms until I file XXXX with them.. even though I have repeatedly e maild them on this issue they have never gotten back about this issue. It has been almost a year of fighting for my tax return.
Complaint sub-issue: Account information incorrect

I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of XXXX something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.
Complaint sub-issue: Information belongs to someone else

I had my personal information stolen and i am worried about things that appear on my credit report that i have no knowledge of. Please help me understand what i need to do to resolve this. I have never used my credit before and it is already messed up i think, Now with all of these things on my report that i did not authorize.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been unable to dispute credit collection claims filed with XXXX Prepared For XXXX XXXX, Report Number : XXXX. 

XXXX have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager.

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX Survey complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with XXXX as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by me.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated
Complaint sub-issue: Their investigation did not fix an error on your report

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


XXXX, EQUIFAX AND XXXX  HAS A COLLECTIONS ON MY FILES THATS NOT MINE.. 
XXXX IS NOT MINE.