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

I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$860.00} XXXX  XXXX {$57.00} XXXX XXXX {$2000.00}
Complaint sub-issue: Received bad information about my loan

I attended XXXX University XXXX through XXXX XXXX in XXXX XXXX Ca in XX/XX/XXXX-XX/XX/XXXX. I started out going for my XXXX degree and was told that I would be able to do that with no problems. I asked many questions during my interview just to find out that I was lied too throughout the whole conversation. First off I was told that If I did not take the stipend check then the money would be returned and I would not have to pay it back, Wrong. I have to still pay it back. I was told that after I graduated I would receive assistance in finding a job, wrong. In XXXX XXXX my son was hit by a truck, he spent 3 1/2 weeks in XXXX, 6 weeks in XXXX and another 6 months in a XXXX, I was there every minute with him but I STILL DID MY WORK. I never left my classes or anything, but the school said that I dropped out for that semester and charged me over & XXXX that I had to repay. I never dropped out I still did my work and everything. I feel that they took advantage of me. I did let them know what was going on in my life at that time, so if I missed any class then they would know why. After 2 years of schooling I get a phone call that tells me, " You do not have enough points to continue with a XXXX degree, I guess you get XXXX % and I am at XXXX % so I would have to start paying everything out of pocket. '' Well I am a single mom of XXXX so there was no way I could do that. I asked if I could drop it down to an XXXX Degree and finish, they said yes. So I finished that semester and graduated in XXXX XXXX. I had my heart set on a XXXX degree not an XXXX. The big kicker is they did n't change the payment. I am repaying on a XXXX degree loan and only received an XXXX. Now where is that right? I feel that they misled me and took advantage of my situation. Even after I graduated they did n't help me find a job or anything. My question is, WHY? 
Can I get any help with this?
Complaint sub-issue: Personal information incorrect

These inquiries are not mine, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't qualify for a loan

I attended XXXX College ( a XXXX College ) in XXXX XXXX CA in XX/XX/XXXX and graduated in XX/XX/XXXX.I was told that employment opportunities abounded but I would be required to agree to financial aid with Genesis Lending Financial because I did n't have the funds to pay for the course through the Department of Education or my own personal finances. I gave them my life savings of {$4000.00}. I was told that I would n't have to pay anything back until after they assisted me with employment. I was pulled out of class several times and told that if I did n't pay on the loans I could not complete the courses. Genesis Lending started to call me regarding payments and I told them that I was not employed and could not pay the amount that was requested. They offered a temporary forbarence payment but I was told that the amount of the loan would continue to increase over time. I had to continue to make payments on the loans during the course of the program even though I had been told that I did n't have to start payments until after graduation. I was constantly harrassed and threatened by this lender during the time I attended XXXX College and the financial aid department at the school shared an active role in the practice and I was never informed of the high default rates of these loans or the fact that this type of loan was a private loan and not funded by the Department of Education. This predatory lender has taken advantage of me as a low income unemployed person over XXXX years of age.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account number XXXX XXXX XXXX XXXX has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can out furnish an account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for and purpose.
Complaint sub-issue: Personal information incorrect

I submitted a complaint about Equifax. 
complaint I.D XXXX and mailed a certified letter to equifax indicating for them to remove the extended fraud alert from XXXX report as I never requested to have one placed. 

I received a letter from Equifax indicating that there are no alerts on my report, however, this is incorrect, please see attached file from XXXX  of credit report pulle XXXX  XXXX indicating there 'file status : extended fraud alert '' Please remove extended fraud alert immediately yo avoid legal action.This is the second request and it is being documented as well as the first one, which was sent via certified mail. 

Thank you.
Complaint sub-issue: Investigation took more than 30 days

XXXX/XXXX/XXXXDispute XXXX/XXXX  XXXXDispute XXXX  XXXX  XXXX/XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX   XXXX XXXX XXXX XXXXDispute US DEPT OF ED/XXXXDispute US DEPT OF ED/XXXXDispute XXXX XXXX XXXX filed ftc on all accounts
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been trying to fix my credit file and during the process I have made several payment arrangements and settlements with various lenders. I am in dire financial hardship, I have had a job loss as well as a bankruptcy and I am also on XXXX XXXX, making all of my wages and earnings exempt from garnishments. However I have managed to pay everything off except for an unknown account in collections which is listed as XXXX XXXX XXXX. 

This debt collector remains to continually harass me and has recently acquired lawyers to attempt to sue me at Rodenburg Law Firm, specifically XXXX XXXX who has signed all paperwork. I have asked repeatedly for information regarding this account as it may have been included in my bankruptcy or it may have been created in fraud. They have repeatedly threatened me by sating that if I request validation, they will sue me. I have even made 3 attempts in the last year to get this paid by settlement and they do not respond. 

Recently they sent a " Summons for Judgement '' in which I responded to right away however they failed to file the case in XXXX County even after it has been over a week since they served me. This is just yet another way that this company continues to intimidate me into paying something which they know I have been disputing now for over a year. 

I also question if this law firm even has a Minnesota Licence to practice in Minnesota. Do they even have any ownership to this debt? All address on this law firm 's website only show a ND address. The alleged credit card " XXXX XXXX XXXX  '' also does not appear anywhere on my credit report either. 

This feels like fraud and looks like fraud and I am confident that it is fraudulent, I have worked with too many collection agencies ( unfortunately ) and they are normally happy to set up pay arrangements or settle accounts -- -This Company only wants to intimidate me and disclose as little as possible, First attachment is confirmation that I have sent letters to this company - who sometimes calls them self Resurgent? -- Letters were sent XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX. 
( the letter confirmation to XXXX XXXX is not included in this complaint ) 2nd Attachment -- Copy of the letter I sent. This was basically the same letter sent 3 times, explaining that I do not know what this account is but I am seeking resolution. 

3rd Attachment -- Response that I received ( threatening to Sue me, no validation, no resolution ) 4rth attachment -- Finally the summons of judgement that I was " served '' with even though there has been no case filed in Minnesota
Complaint sub-issue: Reporting company used your report improperly

On my equitably report shows a XXXX on my report and I am a authorized user. I never received a card dont know who the person is that added me. I tried calling XXXX and they no information with my name phone number or social security number. Told me to have the primary person call in I told them I cant do that as I dont know who it is. This has been on my report since XXXX XXXX XXXX. Ive tried disputing it but they will not remove it.
Complaint sub-issue: Reporting company used your report improperly

I have tried to freeze my Sagestream account with no success. I have followed all of their online guidelines and called, left 2 messages, and sent 2 letters certified mail requesting a security freeze but have not gotten a response back. It has been 4 months,
Complaint sub-issue: Account status incorrect

I filed chapter XXXX bankruptcy on XXXX XXXX An account listed on my credit report is being reported as a charge-off on my Equifax report XXXX The account in question was included in the bankruptcy. Ive disputed the account a total of 4 times, each time getting the same result that information is being reported accurately. I have even contacted the creditor and provided a copy of my chapter XXXX petition that lists this particular account with no satisfaction.. The other XXXX credit bureaus are reporting this information correctly. Please help.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in XXXX business days, thank you!!!
Complaint sub-issue: Debt was result of identity theft

I have contacted this company, the XXXX XXXX XXXX and the XXXX XXXX XXXX letting them know my identity was stolen and this account was the result of Identity Theft. I received a Verification of Debt letter in the mail that was not signed by me and does not belong to me. This company is trying to collect on a debt that does not belong to me.
Complaint sub-issue: Information belongs to someone else

There are XXXX erroneous hard inquires on my Equifax credit report. Further they are additionally dubious not just because I did not initiate them but they contain no lender contact data information ( see attachment ) which is a violation of current Credit reporting regulation, in other words according to Equifax I could n't contact them to dispute these hard inquires if I wanted to ( I do ) because they refuse to post contact info or is missing due to grave error. The added rules that went to effect XXXX XXXX clearly sate all tradeline data including court data must me accurate or it must be automatically removed without question. The XXXX tradelines are : XXXX From XXXX XXXX, 2017, XXXX XXXX from XXXX XXXX and XXXX XXXX 2017, and XXXX XXXX from XXXX XXXX 2017. All state that : " No contact information has been report by this creditor ''
Complaint sub-issue: Problem with fees

A XX/XX/XXXX letter I received from the credit card company stated they put this account in a XXXX XXXX and my new payment of {$39.00} would be due on the XXXX of each month until paid in full. I made the 1st payment for XXXX on the XXXX of XXXX. The 2nd payment I made on XX/XX/XXXX and the 3rd payment I made on XX/XX/XXXX, so I complied with their request for on-time payments only to find my account charged with a {$37.00} late fee for each month. I have tried to contact them to have this corrected and each time was told they would look into it but nothing has been done to this date XX/XX/XXXX and the late fees remain on my account. I have contacted company representatives for Collection Specialist on XX/XX/XXXX twice, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX twice talking to collections supervisor XXXX only to get the same answer " I'll look into it '' and that's as far as it gets. The Single Point of Contact is XXXX XXXX and his # is XXXX but he has never returned my calls either but I have talked to XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( twice ) XXXX, and finally XXXX, collection supervisor @ XXXX They all might " look into it '' but that is as far as it gets. Along with the {$37.00} late fee they even tack on about {$6.00} in other fees.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed 2 collection accounts with XXXX XXXX XXXX. I tried in XX/XX/2018 and XXXX XXXX XXXX tried in XX/XX/2018. After notifying them to let them know that I need validation, when I disputed I was told that they don't validate the information they verify address, name, social security no, and ask the creditor if it's accurate. To my surprise, asking the creditor or debt collection is it accurate and they placed it on there is eliminating my right as a consumer to have an investigation done that seeks validity of the debt per Fair Credit Reporting Act. 

The account is NOW stating that it's open, and per a previous report it was showing as closed. No address is given for XXXX XXXX XXXX and no phone number is given on the report to address the validation with this collection agency. I asked Equifax around XX/XX/2018 to do a full investigation of the account and I have disputed it again with them today.
Complaint sub-issue: Debt is not yours

I originally filed a complaint against ic collection in XX/XX/2020 for placing collection information on my credit I report for fictitious debt. 
I.C. Collection agreed to provide valid proof and statements for said debt. 
Today, XX/XX/20, I received statements for an account not mine. I.C SYSTEMS did not provide proof such as signatures, identification  documents associating me with the debt. 
I am still disputing the debt as mine.
Complaint sub-issue: Problem using a debit or ATM card

Someone stole one of my personal checks, forged my signature and cashed it for {$1800.00}. Reported the theft to the bank and XXXX Police Department. Nothing has been done about it. The bank has not provided done anything about correcting the situation.
Complaint sub-issue: Frequent or repeated calls

I received a prescription from my XXXX doctor at XXXX. It was approved by Medicare 's XXXX section. I chose XXXX. I had problems getting lots of things from XXXX and finally could on my own.But the one thing I could not get was the XXXX. XXXX in Medicare 's XXXX department helped me. All went well after that. the XXXX and a lot I believe of the XXXX I had. But because of the cost I switched to an XXXX plan. XXXX probably knew long before it said anything to me which was XX/XX/2016. At that time XXXX said if we did n't make arrangement we would start being charged. I quickly called my XXXX plan they agreed to pay XXXX the same amount that Medicare was paying them through he end of the year ( 13 months ). Now I felt comfortable. I waited until I heard back from XXXX, the operators first said do n't worry I do n't owe anything, second said you only owe {$500.00}, then Phone call saying the machine must be returned or I will start being charged, then a XXXX showed up NO ADVANCE NOTICE, NO PAPERWORK! and two more times he said they always do this. I thought about even the older Medicare patients using Medicare, just doing what they are told. XXXX has paperwork for something cost {$6.00} but some of these machines cost {$4000.00}! Anyhow I returned it myself. They would not take it up front, only in the back, I noticed right next to a XXXX office Any employee could run a scam. Well after dropping it off I had to go back up front to sign. He pointed where to sign, I did not, I wrote right above. I covered the entire page saying that XXXX was not willing to work with my medical insurance co.. 
Then I started getting bills. The first for " new patient '' for a {$1000.00}. and that went on at the same time as they tried to get additional personnel informational. I kept on saying I will not give personnel information over the phone- request it on company letterhead and I will answer it. They never did. I would get calls asking for calls with my middle name, and just like for anyone I would ask what did you want if I did n't recognize the voice. Then I got this letter saying if I did respond within 30 days of receiving it then I accept the amount owed. Well the XXXX happens to be a Sunday and they are closed. Trying to get a letter there over night at XXXX no. so I figure the best way was to tell you, the government, that they are and have been using scare tactics on me since XXXX with all the health issues I have ; all you have to do is ask me to print them out and you can see. I am not making this up. I 'll call XXXX on Monday, and different people if need be. Thank you so much for taking the time to read this and even if you ca n't do anything I understand There always is XXXX and XXXX. Company doing collection for XXXX now GLOBAL RECEIVABLES SOLUTIONS
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have submitted a dispute to this credit bureau on the following datesXX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I sent a copy of my passport, social security card, and proof of address from the United States Postal Service when I did an address change. The letter from USPS is confirmation of my new address. The credit bureau has refused to investigate any of the disputes I have submitted with proof of my identity and proof of address. I have also requested a copy of an original contract showing my name, address, and signature for all accounts that I listed in my dispute. The credit bureau has failed to provide proof that these accounts belong to me
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past .I strongly believe that they are in violation of the FCRA pursuant to section 605 B and are outright refusing to uphold the law.
Complaint sub-issue: Account information incorrect

I originally opened an account with XXXX that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.
Complaint sub-issue: Debt is not yours

Dear NRA/National Grid ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.