Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX -- - I was never late on this account because I always pay on time. The payment history of this account is inaccurate! PLEASE INVESTIGATE AND UPDATE THIS ACCOUNT WITH LAWFUL ACCURACY! 

XXXX # XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX  -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

The following student loans were reported on my credit report. Based on my research, all government funded loans are not allowed to be reported. Thus, this is a clear violation of the FCRA. I disputed the accounts with Equifax for several attempts to no resolution. Please CFPB, step-up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX   XXXX.
Complaint sub-issue: Threatened arrest/jail if do not pay

ate {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX 2016 and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.
Complaint sub-issue: Debt is not yours

Contacted debt collection compant wouldnt give me any valid information. Only that theyre collectIng on behalf of XXXX  but couldnt validate debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The loan process was fairly easy. Didn't have any issues until I was notified that I could refinance. Called and stated I am interested in refinancing and XXXX the Branch Manager stated she would get the loan paper work started so i could come in a few days later and sign paperwork. When I came in, nothing was started per the other associate sitting in the office. They also stated i need proof of address and a paycheck. No biggie but, would have been nice to know prior to showing up. Come back with the required documents & specifically ask twice in two different ways whether and hard inquiry would be placed again on my credit from refinancing my loan. Answer was no. Next day, I received an alert stating a hard hit on my credit from XXXX XXXX. Called XXXX XXXX & the lady that answers, stated they shouldn't have ran credit within a year. XXXX calls back and says, " I said there would be an inquiry ''. If that was the case, I wouldn't have done it and told her that. Hook & bait. I was very clear when I asked the question & was told there wouldn't be an inquiry. UNAUTHORIZED INQUIRY needs to be removed from my credit reports.
Complaint sub-issue: Debt is not yours

To Whom it May Concern : This problem began 5-6 years ago, when XXXX had a promotion where they would pay any cancellation fees to our current carrier if we were to switch to them. Having multiple lines at the time, we knew this was a good deal, as it would lower our monthly phone bill significantly. After going through the long process of moving all of our lines to XXXX, we were instructed to go down the hall to XXXX XXXX this was in a mall ) and just start the cancellation process and that afterwards any fees would be " taken care of ''. 

It all sounded straight up, and I still don't feel that XXXX  was being dishonest or misleading. What we believe happened was that XXXX didn't like the marketing strategy and started some maneuvers to fight back, leaving we, the consumers, holding the bag, while two giants duked it out with all their legal mumbo jumbo that we couldn't keep up with. We also ended up in a mess right at this time when my husband lost his job- we were simply fighting to stay afloat. No time or resources to address this phone issue. 

We have given a very condensed version of events but hope this gives a good picture of what is going on. We initially talked to XXXX, who gave a small payout for compensation, which we don't remember what happened with it. XXXX was even less willing to work with us. Regardless, we believe that this is a debt we do not owe.
Complaint sub-issue: Information belongs to someone else

I have two creditors that are listed on my credit file with Equifax reporting agency. The listed creditors are a result of fraud. I have asked Equifax to block these creditors from my credit file as I am entitled under the Fair credit act to ask for companies of any fraudulent activities to be blocked. 
Equifax has refused to place the block as requested. I am asking for a written notification to why my request has been refused by the credit reporting agency. 

The block was requested for the following companies. 
1 ) XXXX XXXX act # XXXX 2 ) XXXX  XXXX act # XXXX I have submitted all documentations from law authorities as well as my personal identity verifying my identity. 
I would like to receive a written notification of explanation to why my request has been blocked from fraudulent activity in my credit file. 

I did not request for re investigation. However, upon receipt of re investigation I would like for my rights to be granted under the fair credit act, for creditors to be subjected to supply credit reporting agency with sufficient information regarding contract. I am requesting for Eqifax to verify Accuracy of my identity compared to creditors application as well as identification they have on file for me in relation to claimed debt.
Complaint sub-issue: Problem with customer service

Hi - I recently was notified by a collection agency that is now threatening me to pay on my private student loan that was sent to them by Access group on XX/XX/2020. The servicer, XXXX XXXX has all my information including XXXX phone number and email ), I was in a payment plan with them and when it ended the last attempt they contacted me by email was on XX/XX/XXXX. They put the loan in default without notifying me and sent it back to Access on XX/XX/2020. On XX/XX/2020, Access then sent it off to a collection agency and I received a call from them harassing me to pay the entire debt of the loan which totals approximately {$8900.00}. 
There was no attempt from Access to contact me to possibly see during XXXX, I can enter into a payment arrangement or possibly a forbearance. I have experienced hardship during Covid -19 and was able to make arrangements with my other student loans, I can not believe that they would send a student loan to a collection agency during this time. Access has all my contact information and could of reached out to me via email to make an attempt to collect or arrange a payment plan prior to sending to a collection agency. 
I think that Access group took advantage of the situation to send this debt off to a collection agency and remove it from their books.
Complaint sub-issue: Attempted to collect wrong amount

The Company negotiated a plan with me after being fully informed that I am totally and permanently XXXX in which I and the sales person discussed the possibility that I would not be able to generate sufficient revenue at times to service any debt that arose. Since then I have had great difficulty in generating sufficient revenue and have asked to discuss this issue a number of times. At no time have my requests been actually acknowledged nor have I been contacted by any individual to discuss the matter. Today I learned that the company has been pyramiding late fees by assessing late fees on prior late fees by charging, per their email, 2.17 % on the balance after adding in prior month instalments and subsequent late fees. I have an email message from them flatly stating as much.
Complaint sub-issue: You never received your bill or did not know a payment was due

I had made a purchase with Best Buy with 12 months same as cash. My balance was at roughly {$4.00} beyond my 12 months and was not notified at the XXXX calendar month once I changed my address with a customer service representative at the store after I moved. I went to use my card for another purchase believing my balance was at XXXX ; and was informed my card was ( for lack of a better term ) invalid. I recently found out that my credit was being effected by a {$4.00} balance.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts are completely accurate.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.
Complaint sub-issue: Account status

I paid my credit card bill over the phone in XXXX 2010 with XXXX. The money was never taken out of my checking account and I was never informed either by mail or email or phone that the payment did not go through. In addition, they had my incorrect phone number ( Current number XXXX ) and my incorrect mailing address which was updated the last few days after I found out they reported my payment late. I have never missed a payment in over XXXX years and this is an error on their part. I am asking you to request to them to remove this late payment from the XXXX major credit reporting agencies.
Complaint sub-issue: Overdrafts and overdraft fees

I was just made aware Discover Bank closed two of my checking accounts, I was told was due to an overdraft fee in one, that I was unaware of, as well as not informed. I was not informed ( I did not receive an email, mail, a message through there Secure Message Center or a phone call ) of my accounts closure as well as why my account was overdrawn. I was unable to resolve the matter after being on the phone for an hour and 40 minutes speaking to several supervisors. I still have not received any documentation of this matter. One checking account had over {$100.00}, I was told by, the supervisors, that there was an overdraft balance in another account. The bank used the account with money to resolve the balance. I was not aware of a balance and I did not overdraft my account. I was told my account was previously closed and the supervisor XXXX told me that they do not have records of sending me notice through email or their secure message center.
Complaint sub-issue: Account information incorrect

On XX/XX/2020 I sent 2 dispute letters each to XXXX, Equifax, & XXXX. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
XXXX  is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus
Complaint sub-issue: Account status incorrect

Last XXXX Bank of the West closed one of our accounts and made no mention of the issue to myself via any means. Text, email, USpostal service, phone call. Nothing. When our merchant provider attempted to deposit over {$7000.00} into the account, it was closed unbeknownst to anyone that it was closed. It turns out that Bank of the West charged a fee that put the account in the negative and then continued to charge over {$300.00} in additional fees based on their first fee. Since the deposit was not able to be made, the merchant provider closed our account on their end, perpetuating the problem. When I contacted Bank of the West, branch manager XXXX XXXX from the Bank of the West location at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. Phone number XXXX, apologized and stated he would rectify the problem. He would make the fees go away and reopen the account. What he did was submit the fees as a charge off to the XXXX XXXX  which taints our business record and makes us unable to open any other accounts. He never informed me that we were to be further blindsided by his ineptness at dealing with this issue. 

Upon discovering this in XXXX, I have made more than 30 attempts at contacting him and fixing this issue. No one answers the phone at the branch. XXXX. So I am unable to leave him a message or contact him. I am an hour and a half away from that location so I can not just drop in. I have made phone calls to Bank of the West XXXX number and they eventually are able to go through some back channel and get someone at the branch to answer a secret phone line. Us lowly customers don't have access to. Upon doing so, he of course is never in the branch. He's the branch manager but he's never in the branch. I was finally able to get one return phone call from him and he promised he would fix the issue 3 weeks ago from today XXXX. Since that day, I have made a plethora of phone calls and emails and he returns none of them. At this stage I have so many dozens of hours vested in this and the stress associated with it that it has become a very substantial issue. And of course, I've been unable to open the initial account that made me realize their mistake in the first place. This has become a very, very serious issue and he knows this, yet refuses to fix it in spite of stating multiple times that he would. This has rapidly become the most inept bank I've ever had the misfortune of dealing with. And I had been with them for XXXX  years to this point. Something has changed and people need to be aware of it.
Complaint sub-issue: Their investigation did not fix an error on your report

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : The Credit Bureau did not remove anything please remove accounts
Complaint sub-issue: Was not notified of investigation status or results

ATTN : XXXX XXXX DEPARTMENT RE : XXXX On XX/XX/2022, I wrote to you and requested information about an account you are reporting on my credit report but you never responded. I then sent another letter to you on XX/XX/2022 and XX/XX/2022 advising that if you failed to respond and/or comply with the law, then you would be subject to fines and damages, per the FCRA. You still failed to comply. Please note, for the record, that this is my final attempt to reach a resolution directly through your company to resolve this issue. I am no longer merely requesting verification of this alleged debt. At this point, I am formally demanding that within the next 7 days, you remove this unverifiable account from any and all credit bureau reports in which you are reporting to and that you send me notification of your intent to do so. Should I not hear from you, again, within the next 7 days, and you are still reporting this account at that time, then the next communication you receive from me will include copies of formal complaints made to the XXXX XXXX XXXX the State Attorney General, and the Federal Trade Commission not to mention my legal counsel and the local media that I plan to reach out to in order to expose your unlawful business practices. I would much rather resolve this issue both swiftly and amicably without the involvement of anyone else. Therefore, your response by XX/XX/2022 would be greatly appreciated! 

I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you never responded, but updated on website that " This item was updated from our processing of your dispute in XXXX 2022 '' and that my last complaint was a duplicate. My last complaint was a notice of estoplle by your silent Under the laws of the FDCPA, I have contacted the collection agency Denefits llc myself, and they have failed to verify that this is indeed my debt. 
I enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. 
According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Thank you for your time.
Complaint sub-issue: Information belongs to someone else

Equifax is not responding to my requests to investigate, verify and remove accounts in my credit report that do not belong to me.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX  AND EQUIFAX ARE VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I had Bankruptcy chapter 7 and I own a house in XXXX XXXX XXXX. XXXX, MD XXXX and I was refinance my house with XXXX and my account was DISCHARGED IN BANKRUPTCY so my loan was never in my credit report, last month in XX/XX/XXXX this loan was transferred to LOANCARE their address XXXX XXXX XXXX XXXX, PA XXXX and my loan number with them is XXXX. 
LOANCARE send this loan to my credit report, I called them today XX/XX/XXXX at XXXX XXXX I was online for more that an hour with XXXX then XXXX to remove my loan from the credit report because I had this loan while DISCHARGED IN BANKRUPTCY but still no help. 
I want from LOANCARE to remove my loan from my credit report because of the BANKRUPTCY.
Complaint sub-issue: Account terms

I recently was alerted that the XXXX governing the community ( XXXX ) my rental property is located in reported an open installment loan to Equifax for me. This open " Secured Loan '' shows a fixed rate and that it was opened on XXXX 2016. I have not authorized the XXXX or any authorized party to open a loan under my name nor have I been made aware that any XXXX related amounts would be reported to any credit bureau. I would like this information removed from my credit report.
Complaint sub-issue: Fraudulent loan

****Creditor states I made a payment on this loan on XX/XX/2021. This is false, inaccurate, and fraudulent. I am not responsible for this debt****** My next step is legal action if these fraudulent accounts are not removed from my credit profile within 30 days.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 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: Problem accessing account

I can no longer link my bank acct to online loans. This is very discouraging as this needs to be done for online services
Complaint sub-issue: Debt is not yours

Mail was delivered to my home on XX/XX/20, stating a debt collection attempt for The XXXX XXXX from Jefferson Capital The debt was for XXXX, I called The XXXX XXXX and was told there was no account or record of enrollment information with the school in my name. I found The XXXX XXXX website online to call them, and then called Jefferson Capital, the same day, ( XXXX ) to inform them that I never attended The XXXX XXXX or had any accounts or enrollment with them, and verified that fact by calling The XXXX XXXX and speaking to one of the employees there. 

l have received a second letter from Jefferson Capital on XX/XX/20, requesting for me to complete a ID Theft Affirmation document requesting my Personal Identifiable Information in a dispute statement document or forward a copy of my dispute to them. I have now filed a complaint with the CFPB to to have Jefferson contact The XXXX XXXX and cease their collection attempts against m XXXX XXXX, and prior to Jefferson Capital 's mail on XX/XX/20 never spoken to these companies. I had informed Jefferson Capital of my intent to file a complaint with the FTC. And this would be that complaint.
Complaint sub-issue: Debt is not yours

This is a debt from XXXX that was sent to collection in the amount of {$340.00}. The collector was XXXX XXXX account # XXXX. The account was disputed and deleted from all 3 of my credit reports. That was back in XXXX of 2019. Now under a new collection agency they are trying to collect on the same debt which is a clear violation of the fair credit act.
Complaint sub-issue: Their investigation did not fix an error on your report

This letter is to inform you that Equifax has failed to vaildate and correct agencies validation that are being reported on my credit report. I have sent certified letters to Equifax in XXXX XXXX and I have spoken with several agents that can not give me the physical information that they received to validate these companies that are wrongfully reporting inaccurate information. Several of these companies are not bonded by the State of Texas to condurct third party collection and the other company can not validate services rendered, my physical signature, picture identification or a signed contract between myself and the compnay reporting. 
Due to the HIPPA law there is no way that the Equifax verfied these : XXXX XXXX XXXX $ XXXX Not my debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX Not Contract/Not accurate information reported XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX Services {$500.00} & $ XXXX No Contract/Not my debt/Can not verify accuracy I have been a victim of identity theft and I have the fraud alert on my credit report for serveral years now. The statement of the company gave a matching social  security can not validate the account if my social security number has been compromised.