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

This is my NUMEROUS 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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; P. O. XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Sued you without properly notifying you of lawsuit

On XX/XX/2019 I received a demand letter from Nowack Howard indicating I had a past due amount owed. It was the first time I learned of debt. This predatory collection was sent by the HOA board to as much as 10 % of the homeowners by the Board attorney who conveniently acts as the collection  attorney as well. I sent this in response to them on XX/XX/2019 : " I am writing in reference to your letter dated XX/XX/2019 regarding a past due bill of {$420.00} due to the XXXX XXXX XXXX   XXXX XXXX. You are demanding a total of {$750.00} to be paid on a bill that is less than 6 months old that I had no idea it had not been paid. This email will serve as official dispute of the amount your letter indicates that I owe and as a notice to the HOA for failure to provide due dilligence before escalation. I had thought this bill was paid and never received a notice indicating it was past due. The first time that I became aware of this was upon receipt of your letter. I want to pay the amount of {$420.00}. The HOA or its assign was responsible for notifying me that this amount was not paid and I received NO SUCH letter or verbal notice. They failed to provide due dilligence in notice per the HOA docs. " The Association shall cause a notice of delinquency to be given to any member who has not paid within ten ( 10 ) days following the due date. '' The Board has changed management companies and now will not provide me with proof of their mailing or a timeline of when this can be provided. There is a history of erroneous assessments and fines from the prior management company so their credibility is already questionable. This has been handled by the Board in a  completely unreasonable and unprofessional manner and I am officially disputing the amount due to your firm- ( 80 % added onto the amount actually due to the Association ). I would be happy to pay  the {$420.00} due and would have paid it if I knew it still was outstanding 10 days after the due date. Please advise on where to send the {$420.00} as I will pay immediately. In over 6 years, I have never paid a late bill and I take pride in paying my bills on time whereas the practices of the management company have been questionable. '' Ultimately, the HOA waived the late fee but the attorney 's fees have not been waived and I can not pay the HOA unless the attorney is paid first as all amounts paid are applied to the attorney fee first.. Please help as this never should have been sent to the attorney and I am literally forced to pay their fee. As much as 11 % of homeowners have been sent to this attorney incorrectly and upon the advice of the same attorney at the board meeting. This is PREDATORY COLLECTIONS upon the unsuspecting homeowners. 

Thank you,
Complaint sub-issue: Debt was result of identity theft

Previously a victim of identity theft, as a result account with Discover Financial Services was opened. Contacted company via phone and provided statement regarding this twice and disputed it with the credit bureau 's already as fraudulent. Yet, Discover is still pursuing this.
Complaint sub-issue: Public record

I have disputed this bankruptcy countless times. Equifax keeps reporting this bankruptcy but they will not give me any documentation that states how they determine that this bankruptcy belongs to me. The federal courts do not give out Social Security number 's so I want to know how this Equifax keeps determining that the Bankruptcy belongs to me.
Complaint sub-issue: Old information reappears or never goes away

To whom t may concern, XXXX XXXX XXXX Account # XXXX, has not yet deleted this account from my credit report as promised. Please see attachment. 

Please investigate and delete. Thanks in advance! 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

ABUSE OF POWER. FORCED LIFETIME MEMBERSHIP. Where credit cards opened & payments made using members Undeletable Profile.  XXXX. PROVIDES NO DELETE POLICY. See attatched Equifax Credit Report XXXX Account ( XXXX XXXX ) opened XX/XX/XXXX date closed XX/XX/XXXX IS ALL INCORRECT. See attatched XXXX Account ( XXXX XXXX ) DEBT DISCHARGED CANCELLATION DEBT XXXX.WHY DID ACCOUNT NUMBERS CHANGE? ALL DATES INCORRECT? THESE ARE THE SAME ACCOUNTS WITH ( XXXX ) BEGINNING & ( XXXX )?? OR IS IT see attatched XXXX XXXX statement XX/XX/XXXX with {$100.00}?? DELIQUENT. beginning ( XXXX ) See attatched XXXX XX/XX/XXXX CREDIT CARD ( XXXX )?? ACCOUNTS KEEP CHANGING NUMBERS?? end XXXX DID NOT SETTLE UNTIL XX/XX/XXXX.?? Kindly Note Equifax Credit Report has XXXX Account ( XXXX )?? DELIQUENT ALSO.see attatched CREDIT CARD FRAUD CLAIM OF XX/XX/XXXX UNAUTHIRIZED TRANSACTIONS {$470.00} XXXX ending XXXX. XXXX OPENED A XXXX XXXX I DID NOT AUTHORIZE. A MC XXXX I DID NOT AUTHORIZE. XXXX USED MY PRIVATE PROFILE DATA TO OPEN THESE TWO ACCOUNTS & POST A PAYMENT XX/XX/XXXX I DID NOT AUTHORIZE USING MY PRIVATE PROFILE DATA. XXXX REFUSES TO DELETE MY PROFILE CLAIMING I AM A LIFETIME MEMBER. HOW CAN THEY HOLD MY PRIVATE DATA AGAINST MY WILL TIL DEATH DO US PART? ( *ABUSE OF POWER. * )
Complaint sub-issue: Personal information incorrect

My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2019
Complaint sub-issue: Information belongs to someone else

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX  XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I've sent in several documents plenty of times in regards to being a victim of identity theft. I have 5 fraudulent accounts on my credit profile. I've contacted the credit bureaus several times as well as file a theft affidavit. I filed a complaint with the Federal Trade Commission and the CFPB. 
I'm unsure as to why the items haven't been removed. Can you please delete the fraudulent items from my report ASAP. I've enclosed copies of everything. 
Thank You XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information

The dispute could not be filed because I could not verify mortgage, auto loan, and store credit cards I never applied for and know nothing about. The dispute is an Equifax report showing an open XXXX wireless account in XXXX XXXX years ago when I 've lived in XXXX all my life and at the current address for XXXX years. If contacted I 'm sure I can prove my place of residence by paystubs, unemplyment records and public assistance records in XXXX. This is plainly identity theft.
Complaint sub-issue: Not given enough info to verify debt

I WAS LIVING IN AN APARTMENT COMPLEX WHILE I WAS IN THE MILITARY IN 2009 WHEN I LEFT THE XXXX AND WAS LEAVING I WENT TO THE LEASING OFFICE AND I ASKED IS THERE ANYTHING I NEED TO SIGN OR ANYTHING ELSE AND THE LEASING LADY SAID LOOK AT THE SCREEN WHAT DOES IT SAY AND GET OUT OF MY OFFICE IN A RUDELY MANNER IVE BEEN BATTLING WITH HUNTER WARFIELD BECUASE I WAS AWARE PER THE LEASING MANAGER I OWE NOTHING ITS BEEN 7YRS AND YET I OWE A XXXX BALANCE AND NOBODY CAN GIVE ME THE CORRECT INFORMATION
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Complaint sub-issue: Attempted to collect wrong amount

This complaint is centered around the practice of forcing me ( student loan borrowe ) into forbearance for a longer time period than necessary when I was recertifying my income for income based repayment programs. 

In XXXX XXXX, my payment due skyrocketed from the normal {$670.00} REPAYE payment, to a standard payment of principal and interest of over {$3300.00}. I was told that I failed to recertify my REPAYE. I believed that was false, as I contend that I had already recertified and in fact my payment under the REPAYE program increased in XXXX XXXX after I recertified in XXXX XXXX. XXXX denied any knowledge/record of a recertification in XXXX and said that I must recertify ( again ). Having no other option, I began the process. As is the standard practice during the period of recertification, I understood that my loans would briefly go into forbearance. However, I asked, and it was notated on my account, that the forbearance be for the shortest possible time period. I asked that as soon as my recertification was approved, my REPAYE resume. 

I submitted recertification, on XXXX XXXX, XXXX, I received an email that XXXX received my submission for the recertification of my plan. On XXXX XXXX, XXXX, I received an email from XXXX notifying me that my REPAYE recertification was approved. 

I expected to be taken out of forbearance in XXXX. In fact, I have a letter dated XXXX XXXX indicating my forbearance began XXXX/XXXX/XXXX and ended XXXX/XXXX/XXXX. However, I received a letter on XXXX XXXX, XXXX saying that my first REPAYE payment was due on XXXX/XXXX/XXXX, meaning I was going to remain in forbearance for the entire month of XXXX XXXX. 

I called to discuss that with a representative because I saw no reason and had no desire to remain in forbearance for the month of XXXX. My recertification was approved and I should have begun paying the REPAYE amount in XXXX not XXXX. The representative tried to help me but was told by a supervisor that it is XXXX XXXX  policy to keep a borrower in forbearance up to 60 days when recertifying. I argued that my recertification was approved and this tactic was improper. No help was offered. The result, of course, was that capitalized interest was added to my account for both XXXX and XXXX XXXX. My argument is that adding capitalized interest for the month of XXXX while forcing me to remain in forbearance was an abusive tactic and a way for XXXX to churn fees and deceive borrowers. The total interest added to my loans for the forbearance period of XXXX and XXXX is not insignificant - it amounted to {$6400.00}. In two months time, by no fault of my own, my loan balance increased by {$6400.00}. It 's unfathomable. 

Later, on XXXX XXXX, XXXX, an additional {$2700.00} was added to my account as capitalized interest from being in forbearance. I do n't know what that interest amount stems from and have not received an answer. 

Please help stop this practice.
Complaint sub-issue: Debt was paid

I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called NCEP , LLC. Reporting date was XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or NCEP , LLC so this debt needs to be verified ASAP. I sent XXXX letters, via XXXX to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. 30 days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX XXXX acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a XXXX party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with NCEP , LLC who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now NCEP. I told him that the information being reported was incorrect and that I am currently paying on the account through XXXX XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that NCEP , LLC ( " NCEP '' ) is the owner of the subject XXXX XXXX XXXX XXXX XXXX XXXX credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX NCEP has received XXXX ( XXXX ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by NCEP. NCEP respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX {$.00}
Complaint sub-issue: Reporting company used your report improperly

Equifax, XXXX XXXX, XXXX, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( XXXX, equifax, XXXX, XXXX  and etc. ) deletion is admittance to them reporting fraud information on my report
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING INACCURATE INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

Do you not actually read the complaints against your company? I filed a complaint stating I have been locked out of my online account since XX/XX/2018. I can not access records I need, because they are located in my online account. I stated to you THAT I HAD CALLED XX/XX/2018, to have this problem resolved. Yet in your answer to my complaint you wrote You must contact XXXX XXXX   to authenticate your account and request your account be unblocked. Again, I told you in my complaint that I made that phone call on XX/XX/2018. I expect to have access to my online account because there are pertinent records there of my forbearance, which is in question.
Complaint sub-issue: Can't use card to make purchases

Agreed to complete 12 month payment program to get my account back into good standing without closing the account. Informed by numerous representatives that once I completed the program, my monthly payment would be reduced and my account would no longer be suspended and I would be able to use the card again. Informed by manager XXXX XXXX Id # XXXX on XX/XX/2020 that even though I completed the program, my account could be suspended indefinitely. Discover NEVER mentioned this information to me when I first enrolled in the program nor when I called in and asked about my account being reviewed and unsuspended in XX/XX/2020.
Complaint sub-issue: Account information incorrect

I disputed a medical collection with XXXX that was reporting on XXXX  and Equifax and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. XXXX responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to XXXX and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.
Complaint sub-issue: Card opened as result of identity theft or fraud

Equifax XXXX and XXXX furnished information on my consumer report without my prior written consent. This is a violation of my consumer rights pursuant to 15 USC 1681b. You can not furnish information without the consent of a consumer. they willingly did so. I did not consent nor benefit from the following accounts. I have already notified the federal trade commission. 

XXXXXXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX I send letters to XXXX, XXXX and Equifax regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.
Complaint sub-issue: Debt resulted from identity theft

Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other account that need to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed account get corrected. 
XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XXXX XXXX  Open Date XX/XX/2015 Balance : {$0.00}
Complaint sub-issue: Old information reappears or never goes away

I applied for this credit card in XXXX, 2019 and then called, The account was open and then I called to close it because it did not meet my needs. I have not received an email stating the account is closed.
Complaint sub-issue: Account information incorrect

XXXX is reporting inquiries without my written permission in violation of 15 us1692c