Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information

Equifax apparently removed XXXX incorrect addresses off of my credit report. However, they have refused to correct the current address on file without my faxing or mailing them personally identifiable information. I am reluctant to fax or mail the documentation requested. because I am concerned my documents could be intercepted in the mail, or made available to an untrusted source if the documents remain unattended on a fax machine. I requested the option of emailing the documents, and Equifax refused. They also would not guarantee the safety of my documents. Equifax also refused to provide me with the source of the incorrect information, so I was unable to coordinate address corrections with that so-called reporting source. It is unfair that our official records and credit score is based on credit reporting agencies that are not under the scrutiny of a federal agency, and consumers are forced to go through hoops and jeopardize our personally identifiable information to correct errors of the credit reporting agency.
Complaint sub-issue: Public record information inaccurate

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.
Complaint sub-issue: Reporting company used your report improperly

My personal information was compromised in the hacking of Equifax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I was applied for a loan and I found two accounts I never open those two accounts are fraudulent accounts I lost my documents and some one has a copy of my personal information and that person used and open accounts under my name.
Complaint sub-issue: Didn't receive notice of right to dispute

Beside the fact that there was no notification given about this debt, this debt collector is not licensed in the State of New York to collect debts. The only license number provided from them is not registered as a licensee with the XXXX XXXX XXXX Department of Consumer Affairs.
Complaint sub-issue: Account information incorrect

This was an old credit card that i hav n't had for over 6 years. This account was 4 months over due back in XXXX XXXX i had lost my job and lost my grandmother and could not pay back then but its been pay now for a while. They reported to the bureau that they updated in XXXX XXXX. I dont understand why
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE. NUMEROUS TIMES I HAVE REACHED OUT TO THE CREDITOR AND TO THE BUREAUS TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT.
Complaint sub-issue: Problem with personal statement of dispute

I had to use over six months of forbearance to cover my loan from being in repayment. Discover was not emailing me and was sending correspondences to the University. It wasn't until I checked my credit score to know of the situation.
Complaint sub-issue: Received bad information about your loan

After I filled a complaint with the XXXX on XX/XX/XXXX, for MOHELA constantly not responding to direct questions on my PSLF application, I received a response from MOHELA. The response stated everything was on track for my PSLF application that was filed on XX/XX/XXXX of this year. I also made a call to MOHELA and the representative stated everything looked like it was on track and it may be a the end of XXXX before my account was updated. Then, on XX/XX/XXXX, I receive another email from MOHELA and the processing days have been changed from 90 to 180 days. Six months!? And after a response that everything was on track? It seems that MOHELA just responded with whatever they wanted to get me to close the complaint with no commitment to actually honor their word. It does not look good that this company is the one involved in the lawsuit against student loan forgiveness, then takes over the PSLF applications just to constantly delay the process for millions of borrowers. This was a very poor decision to have this company in charge of these loans and I suspect many will not receive the forgiveness that they rightfully qualify for under these circumstances. I will have to be turning in another application shortly all because my first one was never processed and will be well over the required 120 payments by the time loans are expected to resume payment status, with no resolution to this problem.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 by not reporting accurate information in my credit report. 

Acct : XXXX XXXX XXXX XXXX ( XXXX ) share draft account # XXXX has been fully paid and closed on XX/XX/2020 and should be deleted not be reported as a negative charge off on my credit report affecting my credit worthiness as a consumer in good standings. Attached is a letter from XXXX XXXX XXXX confirming my statement above. 

*15 USC 1681 Sec 602a states I have a right to privacy.

*15 USC 1681 Sec 604a states a consumer reporting agency can not furnish an account without my written instructions.

*15 USC 1681 Sec 2 ( a ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Used obscene, profane, or other abusive language

I keep getting harrassed to pay a debt to XXXX. Unfortunately the company doesnt even exist anymore. My debt was originally a little over 2 thousand because of some unauthorized activity was going on behind my back and i had all these open phone lines and active contracts and 4 years later it shows up on my credit report and now my debt is a little over 5 thousand. The accounts been closed for almost 5 years now so why and how is it so much money and why are they still asking for it when the company doesnt even exist anymore. A debt collector called and was harrassing me over it. Im not sure if i was being scammed or not but i was threatened that if i didnt pay it they were going to harm me financially and now its in my collections. Ive asked many times to leave me alone and they refused they would call me in the middle of the night at least 5 times. I jus need to know what i can do legally to take care of this.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 89 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Transaction was not authorized

A fraud charge in the amount of {$1200.00} to XXXX on XX/XX/XXXX was reported to Discover on or around XX/XX/XXXX, closed out shortly thereafter citing inconsistencies. As I explained to Discover rep ( s ), I did make a call prior asking about funds availability and advising a charge from XXXX might attempt for an amount in range of {$1300.00}, I was looking at a mini-bag at a boutique in XXXX XXXX, CA for my girlfriend, I decided not to purchase. The transaction in question came from a boutique in XXXX XXXX, CA, not XXXX XXXX, I explained to first rep in disputes XXXX does not offer refunds, only store credit, the XXXX rep I spoke with did not understand situation and I was unable to reach store manager at the time. The Discover rep referred to initial call I made asking about funds availability and charge from XXXX might attempt, did not understand matter. I made a second call, spoke with another Discover rep, whom referred back to conversation with first rep, did not understand charge is fraud and I did not provide card number to anyone at XXXX. Unable to file a claim with rep, I made a third call, explained and spoke with a XXXX whom opened a fraud claim, was explained I did not purchase anything at XXXX and did not provide my card number to anyone at the company. The fraud claim was closed out on Monday after, citing inconsistencies ... It appears they refer to first call made inquiring about funds availability and possible charge from XXXX, in case a fraud alert is raised. Please note, the prerecorded message when calling Discover states calls MAYBE monitored and recorded, not WILL BE monitored and recorded in which case my consent was not given to do so.. One of my attorneys listened to the message, agreed the language is not clear, Discover is not able to refer to such illegally recorded calls. Recently, I provided a tracking number received from XXXX for a package supposedly sent which was not received and has signature required on it, supposedly delivered on XX/XX/XXXX with no signature. I explained it appears someone intercepted package as most scammers like to do after making a fraud purchase, Discover reps did not seem to take this information into consideration.. I've contacted XXXX, filed a claim in an attempt to resolve fraud claim, however, it is not my responsibility to do so.. Discover should resolve such claims with merchants, not the customer. Further, they can not refer to illegally recorded calls without consent as basis for closing out claims.
Complaint sub-issue: Information belongs to someone else

am writing to delete the following inaccurate, contradictory information in my file. The items I deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affid
Complaint sub-issue: Investigation took more than 30 days

National Recovery continues to furnish information 12 negative accounts on credit file. According to FCRA anything that permits as a liability will be a HIPPA Violation.
Complaint sub-issue: Debt was paid

Hello. This is not a debt. This bill was paid to XXXX in XXXX XXXX. What happened was they said they would send me a check for the balance they owed me because I cancelled my service, and it was pro-rated. I was not under a contract. That was in XXXX XXXX. I waited and waited, but no refund ever came. I contacted my credit card company in XXXX XXXX, and they reversed the original XXXX payment back to my card. Then, the next day, I received a check from XXXX in the amount of {$38.00}. I was like fantastic. I called my credit card company back, and told them to re-charge my card with that amount, that XXXX had issued me a credit. They did, and I thought everything was taken care of. Then, in XXXX XXXX, XXXX sent me a bill for that same amount, {$38.00}. I called them, and they had me basically transferred around to about 10 different people. When I did speak to them in XXXX, I was told that XXXX does not give refunds to customers for services that they do n't use when they cancel their services. '' What this meant was they bill you an amount, and if you cancel, even after 1 day, they keep your money. I sent them proof from my credit card company, statements. I even had XXXX XXXX XXXX on a 3-way call with XXXX, and they said a supervisor would call me back. It 's been 12 months and counting. I paid this bill. I have the proof, and XXXX, nor the XXXX other nasty credit debt collectors would listen to me or look to see that I paid them. Now, this balance has been passed to a 3rd debt collector with a 'settlement amount '. I do not owe this money. Thank you.
Complaint sub-issue: Problem with fees

I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

After sending many letters Lending Club has failed to validate this debt in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 The initial request, requesting Validation of this debt The law states that I'm entitled to competent evidence bearing my signature showing that I have ( or ever had ) contractual obligation to pay you the law also states you must respond within 30 Days of receipt of my original correspondence. 

Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 Response to their reply to my initial letter. 
This letter notified Lending Club that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. Also was a formal request of the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, requested that they provide the name, address, and telephone number of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof, bearing my signature. 
Another formal request, requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Several disputes were initiated with XXXX, XXXX, XXXX each time Lending Club sent verification stating that this is a validate debt and not providing any additional documents. 

I have maintained a careful record of my communications with Lending Club for the purpose of filing a complaint with the CFPB, should you continue in your Non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws I will move forward with the Attorney General 's Office and if that leads to a dead end I will have no choice but to have this issue placed under litigations. 



Based on my paper trail of clear oversight and neglect by Lending Club the following violations could allow me to seek compensation for damages a minimum of {$1000.00} per violation -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) -Defamation -Negligent Enablement of Identity Fraud
Complaint sub-issue: Account status incorrect

I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be 30,60,90 days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.
Complaint sub-issue: Attempted to collect wrong amount

There is a collection company called Enhanced Recovery that put me in collections for a debt that i have already paid. Enhanced Recovery is committing fraud against me by trying to collect this debt. The collection i paid and this wrong collection is the same account but a different amount to try and scam me. My lawyer and I are proceeding with a law suit due to the harm this has caused me. It has prevented me from purchasing a home and has been ruining my credit score for months.
Complaint sub-issue: Debt was result of identity theft

PLEASE SEE ATTACHMENTS Nationwide Recovery has obtained, used, and trafficked my nonpublic personal information to unaffiliated third parties. Nationwide Recovery is using oppressive and fraudulent practices to coerce payment for an alleged debt and is in complete violation of my consumer rights, the FDCPA and the FCRA. Nationwide has stolen my identity to coerce an alleged payment that I was never given the opportunity to review, cure nor deny the debt before its unlawful furnishing.
Complaint sub-issue: Their investigation did not fix an error on your report

Remove the inaccurate accounts
Complaint sub-issue: Reporting company used your report improperly

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 U.S.C 1681. 

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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORT AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

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

15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Complaint sub-issue: Debt is not yours

I.Q. Data International , inc. has a debt collection falsely appearing on my credit report for the total amount of {$4400.00}. The alleged original creditor name is XXXX XXXX apartments, where I have not ever lived or applied to live. The date appearing on my credit report as the open date for this collection is XX/XX/2017. 
Immediately upon learning of the debt I contacted the collection agency, I.Q. Data International and advised that the debt was fraudulent and did not belong to me. I  requested the address to mail in a dispute letter and the representative hung up on me. Each time I called back requesting to speak with a supervisor, the representative hung up on me. I then used XXXX to locate XXXX XXXX XXXX phone number and left urgent voicemails to contact me in regards to the fraudulent debt collection. After approximately one month with no response, I used XXXX to find the corporation that manages XXXX XXXX XXXX, which is XXXX XXXX XXXX. I was asked to submit a copy of my current rental lease, which I did XXXX at the time was XXXX XXXX XXXX. I was told that the debt collection would be deleted due to the account not belonging to me upon furnishing my then current rental lease, however that did not ever occur. All continued attempts to request removal of the fraudulent debt collection have not been answered by I.Q. Data International, XXXX XXXX XXXX, or XXXX XXXX XXXX. These communication attempts have been via phone and written letters to the companies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted Equifax. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed