Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX : I received a notification from Credit Karma. It said I had a new report on my credit. Upon further investigation, I was about a hard inquiry that I didn't not apply/inquire about. 

It was by XXXX XXXX. The inquiry was for a XXXX XXXX XXXX account. Supposedly the inquiry was made XX/XX/XXXX. 

I did not apply for this, I do not know what this is. 

Credit Karma provided me with a link to call XXXX XXXX and have this taken off my account. 

I had first called the number provided at XXXX XXXX., XX/XX/XXXX and talked to a representative. He said I didn't have an account, therefore, he didn't have further instruction or ability to help me because there was supposedly nothing to look into. 

He ( XXXX rep ) said I needed to contact Credit Karma, so I sent XXXX  an email to their support on XX/XX/XXXX at XXXX XXXX. Once I found out numerous people have never received replies, I figured I could call XXXX , seeing how that was the bureau that the inquiry was reported under. 

I called XXXX XX/XX/XXXX at XXXX XXXX. 
The representative gave me instructions for how I can get this taken care of, she even provided me a file number : XXXX XXXX XXXX. 

She instructed me to request a form/letter of release to be sent to my address. Which I would then have to send to XXXX 's XXXX. XXXX in XXXX, PA along with my letter of authorization. 

I called XXXX XXXX a second time, XX/XX/XXXX, at XXXX XXXX. I talked to a different representative, and he stated that this inquiry from XXXX XXXX XXXX was not affiliated with XXXX XXXX. It has no relation to XXXX XXXX, and they don't know why it would be on my credit. 

He also stated that Credit Karma has said that this was a common error, and they tell customers to call XXXX XXXX. He could not send me a letter of release because according to him, if I don't have an account with them then there is nothing to release. 

So then why would this be reporting on my credit report stating to be coming DIRECTLY from XXXX XXXX? It makes no sense. 

Therefore, sticking me into a vicious cycle of contacting whoever the last person told me to contact. 

After various short phone calls, I have no patience to wait months before realizing Credit Karma will never respond to me, and if they did, they would just tell me to contact XXXX XXXX  and the cycle continues. 

I did independent research and found someone who had that exact same problem as me, and this was the method he said worked for him. 

I need to file a complaint with XXXX XXXX, to take that report off of my account because that's exactly what they did for the man who shared this method to the internet. 

I need to file a complaint with Credit Karma. 

And I need to file a complaint with XXXX. 

I need my credit protected. I will be having my first child this year, and I need a house, and I can't get one with my credit sinking because a fake company wants to take money from me. 

Any help would be appreciated.
Complaint sub-issue: Investigation took more than 30 days

This is the second of 2 complaints Im filing against Equifax today regarding Equifaxs continued violations of my rights under the FCRA. On XX/XX/2020, I sent an envelope via certified mail to Equifax containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2. The USPS.coms page XXXX XXXX XXXX  shows that my mailing was delivered to Equifax on XX/XX/2020 at XXXX XXXX. Enclosure 2 of 2 was a Factual Dispute Letter regarding their reporting of accounts for XXXX XXXX, XXXX, and XXXX XXXX XXXX on my credit report ( please see attachments ). The 30-day time frame given for Equifax to investigate my factual disputes passed on XX/XX/2020. At XXXX XXXX today ( XXXX ), I called Equifax inquiring about the status of my factual disputes. After a long hold, I spoke with their representative named XXXX. While XXXX acknowledged receiving Enclosure 1 of 2, she told me they did not receive the factual disputes listed in Enclosure 2 of 2. XXXX offered to start a dispute for me via the phone. I adamantly refused! When I asked to be transferred to a supervisor, she put me on hold and then disconnected the call! I have proof Equifax received my mailing with 2 letters enclosed and have no intention of waiting an additional 30 days for them to respond to my request. Equifax is once again in violation of the FCRA. I believe Equifaxs goal is to intentionally cause me further harm by refusing to acknowledge and process my factual dispute and I demand they immediately delete all references to XXXX XXXX, XXXX, and XXXX XXXX XXXX from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/2019 a hard pull was made against my credit report. said credit report pull was not authorized by me! the recipients info reads : " factual data ''. 

please remove this hard pull from my report.
Complaint sub-issue: Received bad information about your loan

My name is XXXX, my loans were generated under XXXX XXXX XXXX. When I consolidated them on XX/XX/XXXX, the loan amount was {$33000.00} this was done under XXXX XXXX. My daughter graduated in XX/XX/XXXX and the amount jumped to {$48000.00}, the date shows it to be XX/XX/XXXX. Then again in XX/XX/XXXX the amount jumped to {$61000.00}. This consolidation eventually went from XXXX XXXX to XXXX and on XX/XX/XXXX the amount had jumped to {$77000.00}. I understand adding the interest in, however during this time I was making payments. I did forbearance a few times. The loan is now being serviced by XXXX. It shows on the federal website that it is still under XXXX. I feel as thought they pressured me into forbearance at different times. However, the interest should only have been XXXX, XXXX and XXXX respectively. XXXX told me I am enrolled on an ICR,  however my payment is {$0.00}. I don't understand why I owe this much and how the loan jumped XXXX, XXXX and then XXXX. The math does not make sense. Also, I am not sure XXXX, XXXX or XXXX XXXX are reputable companies. I feel I have been cheated and I really want to pay this off. If you look at my records, the school loans for myself in XX/XX/XXXX have all been paid. How do I know I have been treated fairly? What legal recourse do I have for the school, XXXX XXXX for taking my co-sign signatures on at least 50 % of these loans and removing my daughter as this is her debt. 

Thank you for any help. 

my e-mail is XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Sued where didn't live/sign for debt

i lost my home to a house fire so the address that they served to was a complte loss this bill should be covered under soonercare contacted the attorney about a subpena dated XX/XX/XXXX that i recieved in XXXX of XX/XX/XXXX called the hospital saw the error they told me it would be fixed and saturday XXXX XXXX i recieved a statement saying they rendered a judgement but i was never iven the oppertunity of a court date further more the hospital saw the error and said it would be fixed but this XXXX said dhe cared nothering about the home burning that all she cares is that i was served in XXXX XX/XX/XXXX and they were going to garnish wages and sue me for a bill that should be covered instead of garnish the wages i should have been allowed to show proof of covereage then she threatened i will pay attorney fees as well as not be compensated for funds fradulently withdrawn from my payroll sooner care will pay the bill so i dont understand why i have to be sued or at east not given oppertunity to go for soonercare myself
Complaint sub-issue: Information belongs to someone else

Letter to Remove Inaccurate Credit Information
Complaint sub-issue: Reporting company used your report improperly

With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX XXXX XXXX account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!
Complaint sub-issue: Information belongs to someone else

the date of last service are reporting inaccurate on the accounts, this is a violation.
Complaint sub-issue: Public record information inaccurate

On dates XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, I mailed each of the three bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the Bankruptcy, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.
Complaint sub-issue: Investigation took more than 30 days

ON XX/XX/2020 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 64 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My identity was stolen and I can't get any help to fix this ... all my credit is jacked up I can't open anythng because so much was done. Plus the data breach on Equifax and my stuff is not good. It should be open and shut case. I was incarcerated from XXXX XXXX XXXX to XX/XX/XXXX XXXX any and. All accounts opened nduring that time were fraud and there was alot of that and inquires. How no one would notice and freeze my credit based on how the credit was being used. Anyway I come to this and I canf even open a account for XXXX. And if I try to open anything it goes bad to worse because all the Bs from the fraud me adding a inquiry just doesnt help. Anyway the police report on file is by la XXXX XXXX. XXXX XXXX case # XXXX. I've told the credit bureaus all this and nothing. They " investigate and come to the conclusion that I did open. The accounts ....!!! Shaking my head. How??. Please help. It's hard as it is XXXX XXXX XXXX XXXX XX/XX/1986. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX. XXXX XXXX XXXX. XXXX ) XXXX. Current info. Please update please indemnification is needed in store and so I can live. Thank you.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.
Complaint sub-issue: Didn't receive notice of right to dispute

To Whom This May Concern : Enhanced Recovery has placed a collection account on my credit report, as dated opened XX/XX/XXXX, original creditor - XXXX, Type - collection, first reported - XX/XX/XXXX, monthly payment - non reported, credit limit or original amount - {$1000.00}, high balance - not reported, recent balance - {$1000.00} as of XX/XX/XXXX, status - collection account {$1000.00} past due as of XX/XX/XXXX this account is scheduled to continue on record until XX/XX/XXXX, date of status - XX/XX/XXXX, payment history - collection as of XX/XX/XXXX, and account history - account balance {$1000.00}. I have no idea who Enhanced Recovery is, I never have had any contract obligations with them or XXXX, I have never received any notice, mail, phone contacts, or any method of contact from Enhanced Recovery or XXXX. Enhanced Recovery has validated Under the Fair Debt Collections Practices Act ( FDCPA ) Section 807 ( 8 ), in which failure to communicate debt, proof that I am indeed the party you are asking to pay this debt, validation of date debt originated, and proof that there is some contractual obligation which is binding on me to pay this debt. In addition any agreement between XXXX and Enhanced Recovery must be provided, documenting what grants Enhanced Recovery the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Penalties against XXXX XXXX XXXX XXXX. Enhanced Recovery has never provided supporting copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. In addition the validity and the validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt and Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the  third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State, in which Enhanced Recovery clearly has not. Please have account deleted from my credit reports ( XXXX, XXXX, XXXX ).
Complaint sub-issue: Problem with fees

The Total Card from XXXX XXXX XXXX is a good card, but due to a financial hard ship I have a few late payments on the account. I would like a XXXX removal of late fee in lue of my payment of all credit card debt owe on my account. After payment of balance I will keep my card limit below 30 % of the credit limit. I have attempted to call the company be have had extended hold times or drop calls.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX  /cbna, XXXX XXXX , XXXX XXXX. I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.
Complaint sub-issue: Information is not mine

Information on my credit report was not mine. This information was disputed with all XXXX credit bureaus. Contacted National Recover Agency that owns the debt from The XXXX XXXX on XXXX/XXXX/2015. Explained someone with the same name has information on my credit record.The first representative was rude and hung up on me. Called back and they stated to fax a nature of dispute to them and I did. I could tell from their attitudes this was going to only be resolved by me doing the work. 
I immediately called original debtor the XXXX. We discussed my information and realized it was not mine. They stated they deleted account and would email National recovery agency. 

The following day my credit monitoring from transunion stated National recovery verified the debt to remain on report. I called back to find out they recieved the information at XXXX that this was not my account. They still went ahead and verified debt. The attitude was they will remove it when they get to it. The information was verified not mine, with confirmation email. They still have not removed it as of today.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, a letter was sent requesting an investigation into late payments for XXXX XXXX, late payments for XXXX XXXX, late payments for XXXX XXXX, and into the removal of a XXXX account because it was a pay for delete account. A response nor the method of validation was provided within 30 days according to the requirements of the FCRA. 

On XX/XX/2022, another round of letters were sent requesting a reinvestigation into the same accounts for the same reasons. Again, the method of validation was not provided and the accounts are still listed after the 30 day period. 

In accordance with the Herors Act, creditors are not allowed to post negative information, such as late payments, during the Covid-19 pandemic and 120 days after.
Complaint sub-issue: Information belongs to someone else

I have disputed multiple times on incorrect items that are on my credit report with Equifax, XXXX and XXXX and it has taken well over 30 days of me not receiving any investigation results.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, 2015 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Deposits and withdrawals

" The company CONST LLC also known as XXXX and XXXX has suddenly shut down with no explanation to investors. 
CONST LLC XXXX XXXX  ) is a platform that operates like a HELOC loan for peer to peer lenders to connect with cryptocurrency portfolio holders. XXXX holders are able to receive a USD cash loan by placing cryptocurrency as collateral for their loan. The loan is funded by a pool of money from USD cash investors. 
CONST LLC XXXX XXXX  ) portrayed to investors that their platform was unique because the collateral from borrowers would autosell in the cryptomarket if prices fell bellow 110 % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. 
On XX/XX/XXXX the company went dark. They informed all website users ( www.myconstant.com ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I personally have {$900000.00} invested with the company. 
LLC business license number. California # XXXX Delaware XXXX : XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

For sometime now I have been getting texts messages from Discover, which is ok. Today, I decided that I was getting just way too many text message and replied in the Text " Stop '' because it says " Reply STOP to opt out '' I did this, yet after this STOP was sent I got  2  more text message.  <P/> This is a bonafide class action lawsuit, which I do not wish to file, but if  discover does not wish to settle this matter for violations under TCPA, RFDCPA, And CA Business And Profe ssion Code Violations I will file.  <P/> I will be filing a lawsuit, but I do in vite Discover Financial to contact me ASAP so that this may be   avoided. In California cases like these go for a premium, attorneys take them at no charge out of pocket, this is a text book example of a class action lawsuit. Discover card will be responsible for my attorney fees, statutory awards and a special award for brining the class.  <P/> I urge discover card to contact me to resolve this before I file this week.
Complaint sub-issue: Reporting company used your report improperly

DEP OF ED/NELNET is unlawfully reporting late payments to my consumer report. Ive never made any late payments to NELNET nor has NELNET provided me with documentation validating this information. They are also in violation of my consumer rights by reporting this information even if it were factual! I as the consumer own my consumer report and The DEP OF ED/NELNET has failed to comply with the law pursuant to 15 USC 1681b ( 2 ). 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states my consumer report should not include transactions between the consumer ( me ) and the person ( the financial institute ) making the report. DEP OF ED/NELNET is in violation of my privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ). AGAIN I NEVER GAVE MY CONSENT TO REPORT MY INFORMATION!!! By reporting DEP OF ED/NELNET is in violation of the laws made by Congress. Pursuant to 15 USC 1681a ( B ) any authorization of a specific extension of credit or similar device should be excluded from my consumer report. The transactions that DEP OF ED/NELNET is reporting clearly are categorized as transactions that were issued from a credit card ( my social security card ) as defined under 15 USC 1602 ( l ). This is a violation of my privacy! DEP OF ED/NELNET is liable to me for all damages due to their willful noncompliance pursuant 15 USC 1681n .