Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

This is the third debt collector trying to get money from me that I never owed. The " debt '' was from my XXXX XXXX account years ago. I had cancelled my service and was told to pay off the remainder of my contract. I had paid the full amount and received a notice saying that I owed {$0.00}. A year later I have debt collectors after me saying I owe money for an account I never had, never used any data, and never was sent a payment. I received another settlement offer from EOS CCA dated XX/XX/2019 stating that XXXX XXXX XXXXXXXX authorized them to give an offer for me to pay {$290.00} of the {$410.00} supposedly owed. I was never given an option to dispute this claim and have not received an itemized statement to even see what I currently would owe.
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 right to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Confusing or misleading advertising

I applied for a student loan through Ascent 's website on Sunday, XX/XX/2022, after thoroughly researching private student loan interest rates on many sites. Ascent advertises they offer a 3.27 % Fixed APR for credit-worthy borrowers. Upon applying, I was prompted to add a cosigner due to my lack of sufficient income. I had my mom added as the cosigner. After she completed her application, I was pre-qualified and I could choose a loan product to see my individual rate. I went through and chose the options that would yield me the lowest fixed interest rate. To my surprise, the lowest offered to me was over 9 %. Mine and my cosigner 's XXXX scores are XXXX and XXXX Credit scores over 800 are generally considered well-qualified and credit-worthy. On Friday, XX/XX/XXXX, my cosigner called Ascent to ask what would qualify someone for a lower interest rate, or just anything closer to the advertised 3.27 %. The representative could not provide much information. I proceeded to call and spoke with two representatives. They both could not tell me what would qualify someone for the low rates being advertised, but that it depends on credit and debt-to-income ratio, and other factors. I requested a call back with more detail on what the tiers are for rate increases on qualifications. Within a couple hours, I received a call back stating the interest rate is solely dependent on credit ( not debt-to-income or other factors ) and only a score of exactly XXXX would qualify for the advertised 3.27 % fixed rate. He proceeded to tell me they have plenty of borrowers that qualify for the advertised low APR. So I did some research. Approximately 1.6 % of Americans have a perfect XXXX score of XXXX. Approximately 8 % of outstanding student loan debt is from private lenders. Of that 8 %, only 11 % is graduate loans. ( Keep in mind, we are talking about the XXXX loan specific rate, not XXXX ). Ascent is not the biggest private student loan lender. If you do the math, they are advertising a rate that *most likely* no applicant qualifies for. Only 1.6 % of the entire population has a perfect XXXX score. Of that 1.6 %, how many are applying for a graduate student loan through Ascent? I understand that I do not have an XXXX score, but I and my cosigner do have excellent scores of XXXX and XXXX. Those credit scores should not constitute an almost-triple APR of that advertised. They are actually offering me a rate closer to the highest APR offer than the lowest. The advertisement is clearly misleading and does not contain any disclaimer that " credit-worthy '' means an XXXX ( literally perfect ) credit score only and without it, your rate will be astronomically higher, even if you are credit-worthy and considered to have excellent credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX 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 an account without my written instructions.
Complaint sub-issue: Debt is not yours

Pulled up my report XX/XX/22 and saw NTL RECOVERY I have disputed NTL RECOVERY for the alleged amount of {$94.00}. I have never signed a hippa release form for NTL therefore this is inaccurate reporting and a hippa violation. Hippa laws are to protect my personal and medical information.

In addition I did not get NTL consent to furnish my information. FCRA tells me that Im entitled to a fair and accurate credit reporting and is not fair nor is it accurate. 

Tracking number XXXX
Complaint sub-issue: Attempted to collect wrong amount

So.. Yes.. I accept that I did owe a certain sum of money that dates from probably about 2 years ago and Now turned in for collection.. I did n't have a opportunity to settle this.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is consistently dropping my score and incorrectly reporting the wrong credit score.

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by 50+ points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by 66+ points for no reason. 

XXXX is also inconsistent with Equifax and XXXX. 
All XXXX credit bureaus are inconsistent with each other, how can this be? 
Please help!
Complaint sub-issue: Information belongs to someone else

Equifax, the most fraudulent credit reporting agency on the planet, XXXX, and XXXX are reporting fraudulent hard inquiries on my credit report. They are claiming that these companies received my authorization to check ( inquiries ) my credit. The attached are reports from XXXX XXXX. I have placed a check mark beside the companies that did not have my authorization to check my credit. 

I have not requested services from these companies. There are also check marks beside companies that have placed fraudulent debt on my credit report. XXXX XXXX XXXX XXXX has placed a fraudulent debt on my credit report. XXXX XXXX has placed a fraudulent debt on my credit report. PAY ATTENTION TO THE CHECK MARKS. 

My name is XXXX XXXX XXXX. My name is being inaccurately reported by Equifax. They are also reporting fraudulent addresses. The fraudulent addresses being reported are : XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX I am frustrated by the constant barrage of fraudulent information credit reporting agencies are allowed to put on my credit report. They are checking my credit at their discretion. This is ILLEGAL!!! I have not authorized these inquiries. They should not be allowed to place fraudulent information on my credit report without my consent. Companies are taking advantage of the white privilege they have with consumers credit report. Their actions should be illegal.
Complaint sub-issue: Reporting company used your report improperly

CoreLogic Credco is not abiding by the permissible provision of the Fair Credit Reporting Act. CoreLogic Credco hard inquiry does not demonstrate Factual Data pursuant to the act CoreLogic Credco XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Account status incorrect

Just checked my credit score and have noticed a collection company XXXX XXXX XXXX has a very old debt listed as only 2 years 7 months old. This debt was back in 2012 and with XXXX over my phone bill, they could not get me a signal where i lived and i called several times to fix this, trting to cancel my contract etc. Only for them to keep charging me {$300.00} + a month for a service they was not providing. There are records of the dispute and i dont feel like i ahould ve responsiblenpaying for such a horrible service especially after trying to cancel the contract.
Complaint sub-issue: Account information incorrect

I have tried with XXXX on many different occasions to have world finance removed from my credit.the accounts have been closed since XXXX of 2020 but somehow the balance has been increased almost every month! I have reached out to have this removed but they say the balance has been verified. I will be filing a lawsuit If this don't be removed. They are not following consumer laws
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX CO Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$100.00}
Complaint sub-issue: Not given enough info to verify debt

The Debt Reported from XXXX XXXX is n't the original debt. its not the proper creditor name nor is the dates correct made by enhance recovery and they used a new date to force to collect from me. the debt is paid to date, I want a full removal of this debt because of false reporting of information to attempt to collect a debt. I want it sent to all three bureau for removal ASPAP! they are to provide all Original Documents!!!!!!!!!!! of proof of dates!
Complaint sub-issue: Deposits and withdrawals

Citibank wont allow me to access my funds and will not assist me because of verification problems
Complaint sub-issue: Their investigation did not fix an error on your report

I have a charge-off reporting on my credit file with XXXX. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified account.
Complaint sub-issue: Was not notified of investigation status or results

Complaint of fraudulent inquires on credit report on XX/XX/19, fraud alert place don account same day. Investigation came back with inquires as accurate on XX/XX/19. I requested the method used to verify the inquires be sent to me i was told no by a Representative. I was told they are accurate. I ave never asked for credit form the following companies : >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX  XXXX XXXX, XXXX VA XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX MD XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MD XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX KS XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX
Complaint sub-issue: Account information incorrect

I have a few accounts that I do not recognize on my credit report. I would like them to be re-investigated. My name is XXXX XXXX and not the XXXX XXXX XXXX either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please delete the following account : 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: Information belongs to someone else

I'm noticing that my personal information and line of credit that is open has been open back before when I started establishing credit myself because back then I had someone else in control of my credit so I need to dispute and erase that off of my credit report because I did open any kind of line of credit on my credit report since I have been legally authorized to do it on my own. I had my first line of credit opened on XX/XX/XXXX my first credit report according to my credit wise account is saying that my first single my credit report inquiry that must done by me was on XX/XX/XXXX and my first line of credit got opened on XX/XX/XXXX by me and anything farther back from XX/XX/XXXX is not accurate information done by me on my credit report and I need to disputed
Complaint sub-issue: Information belongs to someone else

This is my several requests 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$870.00} ; XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XX/XX/2021 2021
Complaint sub-issue: Information belongs to someone else

XXXX says that consumer reports have to be equitable to the consumer. However each time I attempt to extend credit to take care of my household I am discriminated against because LexisNexis posted inaccurate information about me. My first dispute was XX/XX/2022 for the removal of XXXX XXXX XXXX judgement. This information collected about me does not fit the frame of having maximum possible accuracy because I was the victim of identity theft, see FTC Report Exhibit A. Due to the fact that I was never properly served, a default judgement was done in my name without my knowledge and now Im in the process of doing a void judgement. It is also to be added that LexisNexis inaccurately verified this information because they did not contact me to ask me the specifics about the account. 
How can LexisNexis assure maximum possible accuracy about my information if they never spoke to me? Its my information. The source of LexisNexis information is XXXX XXXX XXXX XXXXXXXX XXXX However the XXXX XXXX XXXX XXXX  clearly states on their website, The Clerks Office makes every effort to ensure the accuracy of the following information ; however it makes no warranties or representations whatsoever regarding the completeness, accuracy, or timeliness of such information and data. See, Exhibit B. If this site can not guarantee accuracy of information, LexisNexis must remove it off my consumer report. Secondly, one of the comments in the docket of the case shows that Im the incorrect defendant See, Exhibit C, which confirms again a failure to assure maximum possible accuracy. Thirdly, the docket has another name of another defendant, XXXX XXXX XXXX, inside the same docket with the same filing number, case number, and matter number, see Exhibit D. If LexisNexis had reasonable procedures for reinvestigation where a natural person would actually look and do the research when I initially disputed it, then this would have been resolve faster. Unfortunately, I now have to take time out of work to fix something that is taking equity from me, making it impossible to extend credit to take care of personal and household needs, and has taken away time that XXXX cant get back. Failure to remove this account per my written instructions as federally allowed will constitute willful non-compliance by LexisNexis. I am in injured party and LexisNexis must provide remedy in the following :
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.
Complaint sub-issue: Account information incorrect

I am still waiting on a new corrected credit score from Equifax in which I reported originally on XXXX ( Equifax reference XXXX-XXXX/Confirmation # XXXX ), stating that the current score of XXXX was not legitimate and should have been upgraded or kept stable at XXXX after the XXXX update with an increased point upgrade of near or over a 700 credit score, in comparison to both XXXX and XXXX  with both showing higher scores. It is nearing another 30 days ( due XXXX ) to update my score again from the last report on XXXX and Equifax still has not corrected or brought my score back up to normal status since I feel that there is still an ongoing security breach still existing that they wont admit when I spoke with them on XXXX.
Complaint sub-issue: Information is not mine

I have tried numerous times over the past several months disputing inquiries with credit bureau for inquiries I did not apply for a job or was granted a line of credit with companies who pulled a credit report inquiry. I have also mailed each company directly several times over the past several months and am not getting responses Below is a list of unknown and unauthorized inquiries. 
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 A XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX EQUIFAX MORTGAGE SER XXXX/XXXX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2020, I called Equifax because I could not log into my online account and I just signed up on XX/XX/XXXX. Initially I spoke to a male customer service agent and after a few minutes I requested a supervisor because he suggested that the issue was my browser but I explained that it was the same browser that I used to sign up and had used successfully several times after signing up. My call was transferred to XXXX, Employee ID # XXXX, and he suggested that I clear my cookies or use a different browser than XXXX because Equifax didnt recommend it. He said that he could tell me how if I used one of the browsers that they recommended. He went on to tell me that Equifax suggested that I use any of the following browsers such as XXXX or XXXX and I laughed because I told him that XXXX is XXXX and then he said that he wasnt sure if he could tell me how to clear my cookies after all and that I should contact XXXX directly and once again I laughed. He then said tried to suggest that it was my computer that was the issue and that was why I could not log into Equifax. I asked him if they would cancel my account and issue a full refund and he said that they would not give me a refund but that they would be happy to cancel my account. Once again I laughed and asked him if he was crazy or thought that I was just going to allow them to keep my money. I asked him to transfer me to the next level of management and he said that he was the highest person in management. At that point I explained to him that I planned to file a complaint with the CFPB, XXXX  and the FTC and he simply said ok. He then said please hold for a two question survey and the call concluded.
Complaint sub-issue: Information belongs to someone else

This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. Thank you.