Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Used obscene, profane, or other abusive language

Received a telephone call on XXXX XXXX, 2017 at approximately XXXX XXXX. from someone who called themselves " XXXX XXXX '' demanding to know if I was the correct person he was talking to. He did not identify the company. He then demanded in a loud, abusive voice that I confirm my address. I asked him who he was and what he was calling about. He said, " My name is XXXX and you have to confirm your address so that I can tell you about a serious situation you are involved in. '' I declined to confirm my address, asked him his company and he told me is was XXXX. When I told him I would not confirm any information not knowing what he was calling about, he threatened me. He said that something more serious would happen. I hung up, He called back and said, " Is this the way you are going to handle this serious situation '', again in an amazingly threatening tone. I explained again I would not share information with him and in fact was going to call the police if he called again. I have no credit issues and had absolutely no idea why he was calling me. It was the most abusive, disturbing call I have ever received. I am completely distraught and afraid that this person is a predator in some way. Only after " XXXX '' the company name did I realize it was some kind of " debt collector ''
Complaint sub-issue: Reporting company used your report improperly

I have submitted over XXXX letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXXXXXX XXXX ) has sent me a letter to have XXXX XXXXXXXX blocked and removed from my file they request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party
Complaint sub-issue: Information belongs to someone else

I was made aware of the fraudulent accounts and I was assured these items would be Deleted and Removed from my Credit Report I will attach yet again the Sheriff 's Card so that these items can be DELETED from my Credit Report. 
XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My account is now handled by the Equifax Consumer Affairs and I would like for it to be REMOVED. They are rude, inconsiderate and just blatantly hang up on you because I ca n't pull m info anymore. This is N OT HOW you t reat consumers!! I would like for my account to be removed ASAP! I ca n't pull my score for free or reports anymore something has happened and this was months after they started handling my account. I should be able to monitor my report and not call a rude  XXXX  department
Complaint sub-issue: Was not notified of investigation status or results

I have already notified the credit bureaus of this account being a result of identity theft. It has been over 60 days and an investigation hasnt been started. This a violation and as a result this account should be deleted immediately.
Complaint sub-issue: Information belongs to someone else

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX : {$5400.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Banking errors

I opened a money market acct on XXXX in the AMT of $ XXXX at a 3 month special rate of .65 %. 
On or about XX/XX/XXXX, XXXX XXXX told me that my special rate had been extended fo 30 days. I met with XXXX on XX/XX/XXXX and XXXX. XXXX stated that OZK would not extend the special rate for an additional 30 days. On XX/XX/XXXX, I closed the account. Only XXXX was credited to my account for the period of XX/XX/XXXX thru XX/XX/XXXX. Upon closing the account, XXXX assured me the interest shortfall would be credited to my regular checking account before the end of the day on XX/XX/2022. It was not and has not been credited to my account as of today, XXXX.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Complaint sub-issue: Information belongs to someone else

My name is XXXX and I just had my XXXX  XXXX almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account ID # 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
Complaint sub-issue: Called before 8am or after 9pm

First, the debt is over 6 years old. XXXX keeps selling it to different debt collects. I already informed one to stop calling me because I was unemployed and could not do anything at the moment. They continue to call me 4+ times a day. They have hung up on me when I ask for names and they now called me at XXXX PM on XXXX When I asked them why they were calling me after XXXX, they hung up. They called also today on XXXX at XXXX XXXX. I have asked them to stop calling me and they have called for the following days and times : XXXX XXXX AM XXXX XXXX PM XXXX XXXX XXXX pm, XXXX XXXX XXXX pm XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX am XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX om XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX at XXXX PM
Complaint sub-issue: Received bad information about your loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously counted my qualifying payments. According to their website, every month has counted as qualifying for XXXX between XX/XX/XXXX and XX/XX/XXXX which is XXXX, however they only list XXXX in my qualifying payments. Additionally, My consolidation loan was disbursed in XXXX, however no payments were counted prior to XXXX According to my student aid data, the loans were in grace from XXXX through XXXX, however grace is only six months and is not available for consolidation loans, therefore they should be considered in repayment and counting from XXXX since XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was reviewing my credit report today and noticed that I had three hard inquiries on my XXXX credit report in the year of XX/XX/XXXX. These 3 hard inquiries took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all made by CBNA. I only have one secured credit card and was applied for well before these dates. It is hard to believe I had two hard credit checks within two days and one in XXXX without my consent or knowledge. This blemish on my credit report has negatively impacted my credit score and my life.
Complaint sub-issue: Investigation took more than 30 days

I requested a credit investigation from Equifax in lateXX/XX/XXXX. Its nearly the end ofXX/XX/XXXX now, and I haven't gotten a response yet. They were supposed to respond by the end of XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

The account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Complaint sub-issue: Seized or attempted to seize your property

On XX/XX/XXXX I received a letter and in was documents for me to give my place of employment, cars that I drive, and banking information amongst other personal information telling me that I had a judgement against me I called them and told them I pulled my credit report in XX/XX/XXXX and paid ALL of my debts. The debt is said to be from Discover yet its not on my credit report He stated that there was a cease and decesase letter in XX/XX/XXXXbut didnt tell me when asked where it came from. He stated that he couldnt contact me to pay the debt because of the letter but i found a letter from them in XX/XX/XXXXsaying i could pay the debt with my income tax but no mention of a judgement in that letter Now they say i have a judgement and that judgements stay on file for 20 years however i can find nothing from my hometown as they stated it originated in XX/XX/XXXXcounty and the address given i had not lived at during the time they claimed they served me They claim they couldnt get in contact with me but letters prove that its not correct He also said the letter with the XX/XX/XXXX date had to be filled out and sent back as it was from XXXX County courts on the companys behalf. I stated that and asked for validation of debt and the questions I asked he couldnt verify the debt either. He said until they investigate and that can take " some time '' I should fill out the information regarding all of my assets I said so I am supposed to hand over my assets to you without validating a debt and on top of that you are telling me I have a judgement that should be public record but i ca n't find it?
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Full access to my account online has been denied. I request restoration of access to manage and submit disputed online.
Complaint sub-issue: Frequent or repeated calls

This company is continually calling my job. When sent to my voicemail they do not say anything. The phone number they are calling from is XXXX XXXX XXXX XXXX. They even called the receptionist and said they were calling from the US Postal Service. they told her they must speak with me. When I got on the line the person hung up the phone. Their tactics are unscrupulous and deceitful.
Complaint sub-issue: Personal information incorrect

I received a letter there was a data breach and I was offered monitoring with Equifax, which I accepted. I also signed up for XXXX and XXXX for their free 30-day trial. While looking at all information provided I noticed Equifax had my husbands date of birth under my name and SSN. The other 2 reporting companies were correct. I filed a dispute online with a copy of my DL # as instructed on XX/XX/22 and received an email that dispute was completed and I needed to submit DL or birth certificate. I filed another dispute online XX/XX/22 and tried to also attach my birth certificate with my DL, but wasn't allowed so submitted DL again. I was given the same response. I called Equifax and was told I had to mail copies in for change in DOB. I replied I was not comfortable sending copies of my DL and birth certificate in the mail and was given a fax number, XXXX. I faxed cover letter with dispute summary including all my information and a copy of my DL and birth certificate on XX/XX/22. No response so I called again on XX/XX/22 and was told no faxes received and that they don't have a fax # to fax to that it must be mailed. Again, I said I was uncomfortable with that and he said he would transfer me to a supervisor. I waited on hold and eventually was hung up on. I was on that call for 25 minutes. Later that night I tried to call again and was on hold for 1 hour and no one ever picked up. I also tried to resubmit online with my birth certificate and got an error message that it was not allowed. I have used Equifax years ago and my information was correct. How was this mistake made and what kind of information was received that looked official enough to change my DOB to my husbands??? Again, the other 2 credit reporting agencies are correct. I want this corrected immediately but am unable to reach anyone to talk to. Please help me get this resolved. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

My last complaint you responded and said you assume it wasn't me who filed the complaint. I don't see why you think it is someone else. No one is serious about my credit but ME! So please do not try to use more stall tactics to not remove this account. On XX/XX/2020 XXXX sent a letter regarding inaccurate fraudulent things on my credit report it has been over 60 days and to this day I haven't received any results. I feel like I am being taking advantage and ignored by the credit bureaus. Section611 ( a ) plainly states that failure to investigate this item within 30 days gives a reason to immediately remove this account from my credit report. Clearly it has been way longer than that. I demand this account be removed immediately or I will file litigation due to the stress you have caused me. My information has been impacted by the Equifax security breach and may have gotten in the hands of the wrong person. Included is also the FTC report that I filed, sent to each bureau and they haven't conducted an investigation for that either.
Complaint sub-issue: Information is missing that should be on the report

I contacted XXXX XXXX because all three credit bureaus, Equifax, XXXX  and XXXX deleted the XXXX  XXXX account. I received an alert today. When I spoke to the bureaus informing them that they deleted the creditor which I paid the account to a XXXX  balance, which by deleting the account it decreased my credit score. The 3 bureaus indicated that XXXX XXXX deleted the account and they are the ones who have to reinsert the account back to the 3 bureaus. I had previously discussed this issue with XXXX XXXX because the account was showing deleted from XXXX, I received an alert about the deletion. Well, instead of reinserting the paid credit card account, it was deleted from all 3 credit bureaus. I called XXXX XXXX today XX/XX/20 after speaking with the bureaus and explained to the representative that according to the 3 bureaus that they, XXXX XXXX had deleted the account from the bureaus and they stated that XXXX XXXX had to reinsert. She didnt comprehend what I was stating, therefore I requested to speak with a supervisor. She connected me to an individual by the name of XXXX, who was extremely rude and unprofessional and he did not have a clue whatsoever in regards to what he was talking about. Hes telling me that the account was deleted from the credit reports because of Corvid 19. I stated to him, that had nothing to do with my account. I paid the account months before the Coronavirus and the account reflected a XXXX balance. I tried to explain to him that the only thing could have possibly been inserted on the credit reports in general was that it was perhaps a notation of a major disaster, and not reporting late payments for 90 days. I tried to tell him that isnt what was going on in my case. I tried to tell him the account was paid out before the coronavirus and there was no need for my account to be deleted and he again said that is why it was deleted. This XXXX character, from XXXX, FL, kept cutting me off, telling me to wait, informing me I dont know what Im talking about, when I was merely trying to explain what transpired. I got upset and raised my voice and informed him, he was no help, extremely unprofessional, hes extremely rude, clueless and I would like to speak to someone else. He refused & nastily said, he could not help me. He needs to be terminated.
Complaint sub-issue: Talked to a third-party about your debt

I was lied to summer 2018 by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, about them refinancing a loan to make the interest cheaper and it only made the loan payment higher and interest higher. This was misleading information from the start. On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX placed a new inquiry on my credit report and I did not apply for a loan or give them permission to run my credit. I know this is against the law. 

Prior to XX/XX/2018, I contacted XXXX XXXX and they contacted my references inferring to them with letting them know I owed a loan. I contacted them about the loan and advised them to only contact me and they still made calls to references. I sent them a certified cease and decist letter to everyone but me. I advised them in writing of how I was going to pay them monthly. 

I requested to have added features taken off the loan which was supposed to be removed to bring down the monthly payment to make the loan affordable and they did not remove the fees. I sent them a letter in writing and been sending them at least {$150.00} a month for the loan. They sent a letter as if they were going to take off late fees if I paid monthly and they have not been trying to help with lowering the payments even after they said they were going to help.
Complaint sub-issue: Fee problem

i was charged a monthly fee of XXXX dollars but i have a XXXX in my account. which then lead to a over my balance incurring a NEGATIVE XXXX cents on my checking account but i was charged XXXX dollars fee to cover the XXXX cents. i think this is excessive. i call them and asked for a refund but i was told it is valid. i think this is excessive. they were saved by the Obama administration and should have been bankrupt but this bank practices is beyond consumer satisfaction.
Complaint sub-issue: Debt is not yours

The situation is as follows : I visited a hospital Emergency Room In the XXXX XXXX, CA area on, or about XX/XX/XXXX for an emergency medical condition in which I arrived by 9-1-1 ambulance. At that time I presented the particular Hospital in question - ( of which this bill is being submitted ) - with proof of my enrollment in the Medi-Cal program- ( Medi-Cal is the name of the Medicaid program in the State of California ). 

This reported debt is for an amount due by balance billing- ( the practice of billing a patient for the balance of monies due that were not covered /paid by insurance coverage ) - ; however, I was a Medicaid patient at that time and the full balance for services rendered -as per Medicaid- was paid to this facility & providers. 

My visit was billed to Medi-Cal/ XXXX XXXX XXXX public health plan. I informed this hospitals billing department of this fact of NUMEROUS occasions ; and, also informed them that under California law the balance billing of Medi-Cal patients is illegal. 

Furthermore, this collection agency continues to report this debt to the credit bureaus as if it is new/recent, when in fact this goes back over 5 years to XXXX. 


I have attempted to resolve this issue through the listed collection agencies, as well as through the dispute process with each one of the three major credit bureaus. The organization listed below continues to report this false/incorrect/erroneous information.

* ( Please note that there are several of these incorrect/fraudulent debts reported on my credit report ( s ) which I will be filling similar complaints about. Please read each one as unique. Thank you, XXXX XXXX ) The account details, as per the collection agency attempting to collect this *erroneous* debt is as follows : Bureau Name XXXX XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 4 Years, 6 Months Credit Limit Not Reported Highest Balance {$4800.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5800.00} ). Its been over XXXX days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.