Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not mine

I pulled my credit today ( XXXX/XXXX/16 ) through my XXXX XXXX account and noticed that XXXX credit inquiries had been made against my account through the creditor " CBNA. '' They made XXXX hard credit inquires on my account that occurred XXXX/XXXX/16 & XXXX/XXXX/16. I never once applied for any new lines of credit, nor did I approve any creditors to run my credit for any reason during XXXX 2016. There should be XXXX credit inquiries made against my account during those dates in XXXX 2016 so I have no option but to assume this was a fraudulent act.
Complaint sub-issue: Received bad information about your loan

I keep getting inconsistent information from XXXX on what to do in order to manage my loan, and I can not get them to give me any of this information in writing. On XX/XX/XXXX, as instructed, I submitted an application for IDR, as instructed. I uploaded an application and a copy of my tax return. I was told it was pending and that the XXXX portal would contain more information about my status- you can see from the screenshot of my inbox there is no such information, nor did I receive and e-mail. On XX/XX/XXXX, I made my monthly ( I say monthly because I waste a few hours of my work day on the phone with them on a monthly basis ) trying to get information. They said that I would be placed on a forebearance while my application was expidited. Today I looked and my bank account ( see screenshot ) was debited, even though I had a forebearance. I filed a dispute with my bank. 

My general issue is that I can not get consistent or written information from this service about what I need to do. Spending hours on the phone every time there is a status change to my account ( There is bi-annual paperwork to resubmit for PSLF ) is not something I should have to do. 

Furthermore, I have requested 3 times, over the span of 9 months that I get in writing what payments have counted towards PSLF and distinct instructions on what to do ... to no avail.
Complaint sub-issue: Information belongs to someone else

I XXXX  the natural person continue to be a victim of fraud upon the XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATION/XXXX all have unauthorized the use of my personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record XXXX XXXX XXXX XXXX XXXX XXXX ), SALLIE MAE XXXX XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX.XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXXXXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX are accounts that have been opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. | 15 .U.S . Code 1681 ( a ) ( e ). My Fourth Amendment right has been infringed on. I am not secure in my papers and I have not had any rights to privacy regarding these companies.
Complaint sub-issue: Debt is not yours

Collections Agency = EOS CCA ( Original creditor = XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/2018 Amount : {$160.00} This debt is not mine nor have I ever received any type of documentation or communication regarding this matter. This is in direct violation of collection activities and FDCPA governance.
Complaint sub-issue: Was not notified of investigation status or results

on XXXX I sent a letter about inaccurate and unknown things on my credit report. to this date over 35 days later. I have not received a response. I feel that my disputes is being ignored. Section 611 XXXX a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted. I demand these be deleted immediately or I will file for litigation. my information also may been impacted by the Equifax XXXX XXXX and my have got into the hands of the wrong person.
Complaint sub-issue: Personal information incorrect

More than 60 days have passed without my concerns being addressed.
Complaint sub-issue: Debt is not yours

Upon checking my credit report i noticed a collection agency trying numerous times to collect a debt that i have no knowledge of i have not signed any agreement with this company nor have i entered into any contract with them
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Anything due with ACCTS. Linked to address of XXXX Georgia us fraudulent, I never lived at or close to that address or town
Complaint sub-issue: Account information incorrect

During the month of XX/XX/XXXX I was made aware of an attempt to collect a debt on my credit report. 
XXXX XXXX, XXXX Credit ID : XXXX Credit Account # XXXX  XXXX Comment code : FW reports that I have an account with them and I do not. This was falsely placed on my credit file over 3 years ago and was successfully removed once already. 
The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with XXXX   or XXXX XXXX, therefore there is no change to account #, or amount of debt because I've never had any business with XXXX and this has been taken care of once already. 

This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They have no proof of this being a debt of mine. I was a victim of credit fraud and it has been well documented. This is a clear violation of the Fair Reporting Act. I would like the CFPB 's help in correcting this issue.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Inaccurate Personal Information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Today XX/XX/XXXX my husband, I and my sister in law all received calls about a car repo from XX/XX/XXXX. For starters they shouldnt be calling my sister in law and giving them any information. They left a message on my husbands voicemail that if he doesnt respond today they will have him arrested. The business is called XXXX XXXX and their number is XXXX XXXX. They said we had to pay something to them today or they would take our tax refund, garnish wages or money from our bank. We have not even received a letter regarding this situation at all. They are also repeating calling all of our numbers.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX XXXX. Someone had that account transferred/sold.
Complaint sub-issue: Account status

XXXX XXXX XXXX has posted a collection account with XXXX XXXX XXXX XXXX Acct # XXXX for {$280.00} for a home insurance policy that was canceled and property was covered by another insurance company. Sent them proof and still no response. How can I be charged for a policy that is not active at the time. I am attaching the complaint letter I sent them. This collection has effected my credit rating. Please help remove this collection.
Complaint sub-issue: Was not notified of investigation status or results

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

I have Federal studen loan that was paid in full and leaves still on the credit that has not been paid for me as I have it removed? 

Why
Complaint sub-issue: Investigation took too long

I disputed some inaccurate items that are on my credit with Equifax. It has been 60 days and I still have not heard anything from them, yet the items are still reporting on my credit
Complaint sub-issue: Information is not mine

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Credit Account Number Num : XXXX Balance {$00.00} Dear XXXX, I am writing in regards XXXX Credit account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
As of today XXXX/XXXX/16 I have not yet received any correspondence from Equifax regarding this account. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX
Complaint sub-issue: Can't close your account

I had originally opened a credit card with Citi ( CitiBusiness Platinum Select ). Around XXXX XXXX XX/XX/2021 I had closed my account. In XX/XX/2021 I received a letter in the mail stating that my account had a balance and was going to be sent to collections. I then called again on XX/XX/XXXX and they refused to acknowledge that I had closed the account, claiming that the bank closed it. They also informed me that the resulting balance was from the annual fee + interest + fees all due to that annual fee. There was Zero balance from charges I made. As I had already closed the account before the annually fee, it should not have a balance. I was told to give them XXXX business days when I called on XX/XX/XXXX. I called again on XX/XX/XXXX and was told to give them XXXX business days. I called again on XX/XX/XXXX and XX/XX/XXXX, and each time I'm told to give them XXXX business days. On XX/XX/XXXX I was also told that if I don't pay the current balance of almost {$300.00} by the XXXX I would incur additional fees... all because they refused to close my account when I originally requested. The annual fee is {$99.00}, for it to incur 200 % in fees and interest for an account I had closed is predatory.
Complaint sub-issue: Information belongs to someone else

XXXX and EQUIFAX have been knowingly and wilfully ignoring my Fraud Dispute Letters demonstrating inconsistencies with three bureau accuracy and affidavits in support. 15 U.S. Code 1611- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. ( Pub. L. 90321, title I, 112,XX/XX/XXXX, 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), XX/XX/XXXX124 Stat. 2107. ) 15 U.S.

Code 1681n - ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Complaint sub-issue: Their investigation did not fix an error on your report

I am speaking to XXXX XXXX EQUIFAX, XXXX, AND XXXX! 
For almost four months now I have been fighting inaccurate scores based on XXXX XXXX careless actions and i'm XXXX sick of this. This battle has taken a tremendous toll on my health and financial well-being! I am submitting two separate complaints as there are two issues that has occurred relating to the same but I NEED TO BE CLEAR BECAUSE THIS HAS GONE ON LONG ENOUGH!!!!! 

IN XXXX, XXXX submitted a code to EQUIFAX, XXXX, and XXXX to update a remark after a Federal Disaster ended. I found out yesterday that the code they submitted to you " XXXX '' is the same code they submit when a loan holder 's account is in a current loan modification status. MY ACCOUNT IS CURRENT!!!! MY Loan Modification was in XXXX! Where is the common sense in using the same code for people in a current Loan Modification status and someone whose account is current, but needs remarks updated about a previous loan modification status? There is no sense in that! 

It all comes down to the code that XXXX submitted in XXXX that started all of this! EQUIFAX, XXXX, AND XXXX have still not recovered my scores they way they were before XXXX submitted that code in XXXX! I initially lost 54 points from Equifax, 41 from XXXX, and 34-41 points from XXXX. MY ACCOUNT IS CURRENT AND HAS BEEN FOR THE LAST THREE YEARS!!! There are no words to describe how hellish this nightmare has been since XXXX submitted that code in XXXX XXXX. A code that was simply to update a remarks however put my credit score in a devastating tail spin that has prevented me from getting the best insurance rate and the best rate after my promotional interest rate expired on my HELOC. Most importantly XXXX XXXX, EQUIFAX, XXXX, AND XXXX you took away my peace of mind and all of the hard work I've put into building a credit score that I was very proud of. 

I now have an attorney as this was too much for me to endure alone. XXXX, EQUIFAX, XXXX AND XXXX have violated my rights as a consumer under the Fair Credit Reporting Act.
Complaint sub-issue: Used obscene, profane, or other abusive language

I filed a new complaint that was closed for no reason. AGAIN, I received " RESTRICTED '' calls from a representative from " XXXX XXXX '', XXXX XXXX he stated as his name. I asked for his I.D./identification # and he refused to disclose. XXXX, then proceeded to discriminated against Me when I asked to speak with his supervisor about this allege debt. I asked for a remedy, in which I want a full " REFUND '' with the rights to the SECURITY INTEREST AS WELL! CFR, T.I.L.A.U.S.Code provides that remedy for Me as the Natural person, Consumer! XXXX XXXX continued to provide false, misleading, misrepresentation and denied Me validation of that debt! Which is another UNITED STATES CODE VIOLATION! He use of obscene and offensive language. I am damage emotionally, physically, financially, and XXXX I have loss place of abode and transportation. And again, another violation. the Penalty is {$10000.00} XXXX fine and could be up t0 20 years in prison for these crimes XXXX XXXX has violated.
Complaint sub-issue: Sued w/o proper notification of suit

My family and friends have been contacted by these people over and over again and are not only saying that I am going to be served/ arrested But that my family members and friends are also in trouble and that THEIR credit is also at stake and may be ruined. They have even contacted my ex-husband and told him that I owe for a bill and that he will be in trouble on a Federal level if I am not found immediatley. My Ex and I were married in the XX/XX/XXXX and have been divorced for over XXXX years. Just today they called my brother in law and threatened him on a " Federal Level '' and that HIS credit will be affected in a very negative way. He asked that they not call him anymore. He has had several calls from them in the past, but today 's call got especially ugly. The number that called him today was XXXX. I spoke to the company over a year and a half ago and explained to them that I felt I had resolved this issue with them by paying back what I had origanlly borrowed before they decided to tack on all kinds of fees and so called court costs. I also explained that I was not working at the time and still am not because I have XXXX.I am or have not been hiding out from these people. They have also called my work several times and told my boss my business or at least their illusion of what my business is. They also told her that I will be served at work. I never have been still to this day. If they are going to serve me or arrest me then why have they not done this yet?? They have humiliated me in front of my boss and my co-workers by constantly calling while we were trying to run a business. They have also called my daughter who has been out of the house, married and on her own for the last XXXX years and has gotten her terribly upset. It is humiliating trying to explain to my family, friends, boss and co workers that I have n't done anything wrong and do not believe that I will be arrested.I have never recieved anything by mail from them and no one has ever shown up at work when I was employed. Like I said I have never been hiding out, why do they keep calling and harrasing people that I know or have known in the past?? Like I said before I have a lot on my plate right now with the XXXX and all and going through treatment and DO NOT need this added extra stress in what I have left of my life.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I want to validate this debt and have the right to do so according to the law
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} TXXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX  XXXX {$180.00} XXXX   XXXX {$370.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$280.00} XXXX XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$780.00}