Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

Conns Home Plus collections calls my wife and I everyday twice daily or more on Sundays and Saturdays and Holidays.I have requested of them not call my home because of my wife is sickly and not call while I am at work. I asked them to call me after XXXX. I have explained to them that I am only two weeks past due and please stop harassing us I told them how my Job shut down for two week and I had to file Unemployment for those weeks. and my job called us back to work but that I will be behind. Even when I give them a day that I will make arrangement the pay.They still call and ask for my Credit card number or Post dated check. 

This Company refuses to give me an address or email to file a compliant.This company is the most unreasonable company I have ever dealt with.
Complaint sub-issue: Was not notified of investigation status or results

Please remove these negative items off my report it has been more then thirty days and its been false misleading information on my report both are violations
Complaint sub-issue: Information belongs to someone else

In reference to this credit report number XXXX from XXXX I try to get in contact with them to delete XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on his way in XXXX XX/XX/XXXX XXXX financed XX/XX/XXXX I do not recognize these charges on it come from a person with a similar name as me but I have a police report and Im uploading and I would like all the sizes and all the incorrect name so my file delete it from XXXX XXXX Equifax and XXXX
Complaint sub-issue: Debt was result of identity theft

This Debt is not owed by me resulting in Identity Theft. Amount XXXX XXXX is trying to collect is {$930.00}. The address of this debt was from XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX. I have never lived outside the state of California. 
Nor do I know anyone living in Louisiana. The date of this debt was incurred on XX/XX/XXXX and was closed on XX/XX/XXXX. The account number in reference is XXXX. This is the 5th debt incurred with the theft of my identity in other states. I am a notary in the state of California and have had background checks done once a year.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE NOT RECEIVED UPDATE ON THE INVESTIGATION, ALSO THEY HAVE BROKEN THE LAWS WITH REPORTING. EQUIFAX AND XXXX have violate the PHIUnder HIPAARules. XXXX is health informationinany form, including physical records, electronic records, or spoken information. Therefore, XXXX includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law.
Complaint sub-issue: Didn't receive notice of right to dispute

Americollect has placed an account on my credit reports in the amount of {$52.00} for an original lender of " XXXX XXXX XXXX XXXX '' it appears to be a medical debt that I know nothing about and I was not provided with any communication in reference to this account nor able to request a VOD or a payment arrangement before Americollect started damaging me credit. If I received services what were they, when were they, what were they for, and were they billed properly through insurance, and if so was I ever offered an arrangement and why would the account type be NOT REPORTED and what type of credit limit do I have with them? I have received NO WRITTEN COMMUNICATION FROM AMERICOLLECT and the first attempt for them to reach me is to damage my credit
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE PROVIDE ME WILL FULL ACCURATE REASONS AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX WHICH LOOKS LIKE A CHARGE OFF FROM 2007, IS STILL REPORTING ON ALL THREE OF MY CREDIT REPORTS? THIS IS NOT FAIR THAT NO ONE HAS A GIVEN ME A REASON AS TO WHY THIS ACCOUNT REMAINS ON HERE. I REALIZED AFTER SEVERAL ATTEMPTS AT DISPUTING THIS ACCOUNT NOTHING HAS BEEN DONE ABOUT THIS MATTER. NOTHING HAS CHANGED AND I NEED TO GET THIS NEGATIVE ACCOUNT REMOVED FROM MY CREDIT REPORT, I HAVE GOALS I NEED AND WANT TO ACHIEVE AND THIS IS REALLY HOLDING ME BACK.
Complaint sub-issue: Account status incorrect

CFPB + XXXX XXXX XXXX XXXX Grant & Weber Inc, On a recent review of my credit report, I discovered Grant and Weber Inc reporting the collection account referenced herein.

Pursuant to the Fair Debt Collection Practices Act
( FDCPA ), I hereby notify Grant and Weber Inc that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Attached to this complaint are : - Written letter of complaint - Copy of my drivers license - Copy of my social security card - Copy of proof of address via a bank statement
Complaint sub-issue: Reporting company used your report improperly

Since XX/XX/XXXX I have patiently waited for Equifax, XXXX and XXXX to accurately report information from five accounts, and I will gladly provide account information and records. Its been over 2 years and in accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report. 

On XX/XX/XXXX Equifax completed its investigation of my dispute ( confirmation number XXXX ). 
On XX/XX/XXXX I submitted a dispute and Equifax informed me that within 30 day I would receive a response on XX/XX/XXXX however after 63 days on XX/XX/XXXX Equifax completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and Equifax informed me that within 30 day I would receive a response on XX/XX/XXXX however after 62 days on XX/XX/XXXX Equifax completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and Equifax informed me that within 30 day I would receive a response on XX/XX/XXXX however after 45 days on XX/XX/XXXX Equifax completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and Equifax completed my dispute on XX/XX/XXXX ( confirmation number XXXX ) On XX/XX/XXXX XXXX completed my dispute and provided creditor remarks as paid, closed, {$580.00} written off however on XX/XX/XXXX they provided inaccurate information as reported on my recent credit report from XX/XX/XXXX. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is another account that on my recent credit report from XX/XX/XXXX and is inaccurate. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is reported inaccurately on my recent XX/XX/XXXX credit report. 
XXXX account XXXX, XXXX, XXXX is reported inaccurately on my credit report. 

The Credit Bureaus stated my account was properly investigated but, how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and Equifax, XXXX and XXXX have violated my right under 15 U.S.C 1681 section 602 A that states I have the right to privacy and 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The inaccuracies reported by the Equifax, XXXX and XXXX is a violation of my rights under the Fair Credit Reporting Act and has prevented me from career opportunities.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I received a collection letter from US Bank XX/XX/XXXX after I fell behind on my State Farm Visa. I wrote to them XX/XX/XXXX stated I believed the amount was incorrect because I had recently made a {$110.00}. payment and stated all communication must be in writing. They received this letter XX/XX/XXXX. I made an additional {$100.00}. payment in XXXX to be a payment ahead since my card was due the XXXX of the month and my income was deposited the XXXX wednesday of the month. I have made a monthly payment of {$100.00}. each month. I heard nothing from XXXX XXXX until XX/XX/XXXX offering a settlement. I wrote a counter offer promising the payment of {$100.00}. I will be making until XXXX of XXXX. Also again stated all communication must be in writing. The only response I got was a letter stated unless I agreed to phone communication I could not be informed of offers. 
As I neared the final payment I checked on the status of this account from experian and found the account is listed as closed charged off and all payments are late. I contacted experian and upon review they sided with US bank. 
Wrote US Bank on XX/XX/XXXX which they received XX/XX/XXXX and their response is I had no payment plan in place because they only communicate by phone. 
So why am I not allowed written communication the only way to hold someone to a deal is to have it in writing. They never stated they weren't accepting my counter offer. Just because they want the right to phone me every day is unfair I have made my payments as I stated and had hoped to be at the end of this ordeal, must I continue to pay them or can they be held to my offer of XX/XX/XXXX?
Complaint sub-issue: Debt was paid

This debt was released because of military service and me going to XXXX and not being able to take the phone so per military clause they closed it. It was already removed from credit bureaus and I was just able to open a new account with XXXX which would never happen if I had a current debt with them. Now it creeped back up and is showing on my report. I'd like it removed immediately.
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX, XXXX XXXX and XXXX. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX, XXXX XXXX and XXXX substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I have provided you with a FTC identity thief report, identity thief affidavit and matching police report snice XX/XX/2020 Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
( see attached lawsuit ). 

I have maintained careful records of your actions, and you are now required to appear at : XXXX XXXX Municipal Court on XX/XX/2020. I am seeking {$1000.00} to {$10000.00} in damages for : - Violations of the Fair Credit Reporting Act - including but not limited to Section 611 - Violations of section 605b of the Fair Credit Reporting Act Prior to our court date on XX/XX/2020. 

If you should decide to correct your records and remove the negative and false item in question, please contact me at the address below or the CFPB, and I will subsequently withdraw the lawsuit. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX XXXX Account Numbers : XXXX XXXX  Account Numbers : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX
Complaint sub-issue: Debt is not yours

I just recently received a report again about the XXXX XXXX collection for {$1100.00}. This issue is been on for many years and i already talk to them long time ago that this account on XXXX XXXX that they are collecting is not mine. But they keep sending a report which is happen again last XXXX XXXX, XXXX. Again, this account that they are trying to report is not mine. It been ruining my credit report for many years now.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX, Account # 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 Also hard inquires XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX  XXXX  Auto Dealers, Used XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX & XXXX XXXX  All Banks XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting false information to the credit bureaus as been verified but the information is incorrect.
Complaint sub-issue: Account status incorrect

XXXX XXXX  had a representative from the SECURITY DEPARTMENT contact me. She called from the number, ( XXXX ) XXXX. She asked me to verify my identity, I gave her the last 4 of my social and address I have lived at for the past 20 years. She responded by saying, that is not the address I have for these accounts. I then told her she probably has the fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. She stated, correct. I explained that she had a fraudulent address that was outlined in my police report and FTC report. She then told me that the XXXX XXXX address was mine and a valid HOME address. I told the lady she was incorrect. I said I had gone to the actual address to see what it was and it was a store called The Mail 's Inn, filled with nothing but po box es. She told me that was incorrect and the XXXX Bank accounts with my name were valid. I then explained to the woman from XXXX XXXX XXXX XXXX DEPARTMENT that it was impossible for me to have opened and used said XXXX Bank accounts, as my personal information had been compromised for over XXXX years and there were several accounts and loans opened in my name that were fraudulent. I asked her to produce information that shows ME, the person working in the XXXX, as the same person in the XXXX using these accounts. She could not provide any proof. She then said she didn't know I worked in Entertainment in the XXXX. I asked her to not contact me again and to remove my name from these XXXX Bank accounts because of identity theft and fraud. It escalated into a screaming match where I hung up the phone. I ask for your help to have XXXX Bank remove my name from these fraudulent accounts and NEVER contact me or make idle threats towards me again.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a credit inquiry that I did not make or authorize. I am not sure why this inquiry is on my XXXX  credit report.
Complaint sub-issue: Public record

My credit report is showing a public record XXXX. However, I am unaware of this record dated for XX/XX/2014 and Equifax is not reporting the source of their information on this judgment. All of which is a violation of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

US DEPT EDXXXX US DEPT ED - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

One more thing I was reading the FCRA and noticed you violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a ( e ) 15 USC 1681b ( a ) ( 2 ) 15 USC1681 ( 5 ) ( a ) ( i )
Complaint sub-issue: Debt is not yours

On XX/XX/2021. I sent a notarized letter and affidavit of truth, certified all documents. THD/CBNA failed to reply and validate the debt of the account on my credit report. As a consumer my rights have been violated. My social security number and personal information has been shared with this company. I did not give THD/CBNA any consent or authorize any accounts with them. According to 15 USC USC 1692 the debt must be validated. Without any validation with the 30 days, the debt must be removed immediately.
Complaint sub-issue: Reporting company used your report improperly

Equifax : XXXX XXXX XXXX XXXX, account XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income.

The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says you Equifax company are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Complaint sub-issue: Trouble with how payments are being handled

My daughter and I, XXXX XXXX, signed up for automatic payments for our student loans with Sallie Mae. In doing so, they told me that I would receive a discount of .25 % on my variable interest rate. The discount was never reflected on any of the automatic payments I made. Tried numerous times to get the information requested from Sallie Mae. Was told a supervisor would call me back but no one ever did. The statements I reviewed online still had the original interest rate when the payments were posted. Why would Sallie Mae advertise a .25 % discount when you sign up for automatic payments when they do not honor? Please help!!
Complaint sub-issue: Frequent or repeated calls

Product Collect
XXXX XXXX XXXX XXXX XXXX Texas XXXX

Is attempting to collect   $XXXX for XXXX XXXX XXXXs in XXXX Texas. I have informed the collection agency to stop calling me but they keep calling and harassing me.

I tried to settle this account with them over the telephone but they placed me on hold for over an hour.

Please advise 
 XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

National Recovery Agency violated my rights under The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I am hurt that my personal information and medical records was shared from XXXX XXXX to the National Recovery agency and I want to report them because I never signed a form for a third to look and view my medical records without my consent.
Complaint sub-issue: Information is missing that should be on the report

I asked that my mortgage be reported to proper credit agency. If I am making my mortgage payments on and before time, I deserve to have them reported. Please help.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked. According to their page for checking, my data " may '' have been impacted, along with 143 million other Americans. This is ABSOLUTELY unacceptable for any company holding onto this sensitive of data, for this many consumers.
Complaint sub-issue: Didn't receive enough information to verify debt

Calls from this company started on XX/XX/21. No messages are left. A search on the phone number revealed it was linked to a collection agency. Since there are to many scams going around, I would not call them to disclose any personal information. I placed a complaint on the XXXX. They advised they had sent the validation documentation on XX/XX/21. To date no documentation has been received. When I filed another complaint with the XXXX demanding a copy of the debt, they stated that they sent one before an there was nothing else that could be done. Collection agency was calling spouse 's number. They stated that the number would be removed and the business would remain open.
Complaint sub-issue: Information belongs to someone else

So on XX/XX/2018 I get a update from credit karma stating that XXXX has been removed from my XXXX  credit file..I contacted XXXX  and they stated that XXXX stated that the account belongs to me ... I contacted XXXX  numerous of times and ask them since the account is paid in full can they remove it from my account Im getting fraudulent fees back from XXXX and XXXX but XXXX XXXX said they will update my information and late payments are still showing which is wrong. XXXX  keep updating with credit karma that account is remove which now they saying it was updated to change account
Complaint sub-issue: Not given enough info to verify debt

EOS CCA contacted me via phone towards the end of XXXX 2016 claiming to have a debt from XXXX XXXX. They asked for my full social security number, which I refused them. They asked for the rest of my information, and after I asked them what they had on record discovered that all of their information was false. 

Nonetheless, I asked them to validate the debt and I gave them my mailing address to continue to correspond. They sent a letter XXXX 2016 that did not contain any validation, only a request for payment. I responded to this with a Request for Validation letter sent via certified mail, return receipt. 

This letter was not responded to. I contacted XXXX to verify the debt, and they had no information about it. 

Less than 30 days later I discover a claim on my Credit Report, and my credit score was damaged.
Complaint sub-issue: Account information incorrect

I try to contact the credit agencies on numerous occasions to let them know that mortgage keeps going up drastically every month and it is affecting my scores.My mortgage balance is XXXX.
Complaint sub-issue: Can't stop withdrawals from your account

{$5.00} debit charges on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from checking account with a pending transaction on XX/XX/XXXX to XXXX. XXXX XXXXXXXX XXXX XXXX is indicated as the payee. XXXX has confirmed by voicemail to me that no charges were initiated by them. This was conveyed to my bank, Citibank and upon their investigation declared the charges valid. No proof was offered. 3 charges were temporarily rescinded, but now Citibank is rescinding the return. I explained to Citibank that previously I had an account that paid utility bills with the name XXXX XXXX phone # XXXX XXXX XXXX, but it was terminated in XX/XX/XXXX. Citibank continues to charge {$5.00} each month