Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

They constantly called me and threatened to come to my place of work and my home. Told me I could go to jail if I do not pay. They called my husband and did the same and he is not on the loan. I told them to mail me information as I did not remember this debt. ( which now I do ) They never nailed me anything and have been calling for a year. They just stopped when it showed up on my credit report. They are horrible outfit and should be shut down. If they had been nice in the phone and mailed me the info on the loan, it would have been very different and never got this far. I had a bad gambling habit at this time and had at least 13 payday loans out. I settled with all of them, except this one which I thought I had settled. It was a very difficult time and I am trying very hard to get things straight. This place has caused several stressful days with their calls, telling me I owed way more than I borrowed. Spotloan only loans {$800.00}. I have paid Spotloan thousands of dollars with the outrages interest and told the collection company I would not pay any interest and I do not trust this place to say it is paid, if I did pay them. They are the devil. I had no problem with the 12 others I dealt with.
Complaint sub-issue: Their investigation did not fix an error on your report

When I checked my CFPB Complaints # XXXX, XXXX, and XXXX, I realized that you have closed my complaints last XX/XX/22. I am resubmitting my complaint again today to inform you that the 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$1500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report.

On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''.

First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account.

For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
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 USC 1681. 

Account XXXX XXXX Account last XXXX digit # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Reporting company used your report improperly

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Account XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting.
Complaint sub-issue: Don't agree with fees charged

Nelnet is servicing my loan. The loan was guaranteed by a private bank but now Nelnet owns is. Total loan was {$8000.00} at 6.8 percent interest. I am now looking at {$15000.00} owed after paying them {$130.00} a month and without any statements or fee explanations. Because they are regulated by the Dept of Education they are not allowed to refund XXXX of the interest or fees. I spoke to the guarantor and they said they would be able to refund interest and fees if the loan was still in their name. Nelnet is corrupt. There should be some consumer law that if they threaten to garnish my wages they should be showing me what they are garnishing my wages for.
Complaint sub-issue: Can't get other flexible options for repaying your loan

The choices offered in your form to get me to this section do not really apply ( nor does my response after this about Nelnet as Nelnet has nothing do with this scam ) but I had to click on something. I was told to file a complaint with you by the Student Debt Crisis Center. I recently received a phone call from a woman named XXXX saying that she worked with " student debt '' at " education '' and that my deadline was coming up fast and she was holding my file open for a while to call her back asap. When I called I got a man and he asked for lots of info including the last four digits of my SS #. Then he seemed to have ALL my information, including the amount I owed ( my loan is currently on hold and in default ). He said that based on my age and the time I had paid that all but {$3100.00} would be forgiven, that I would pay online for four months - XXXX, XXXX, XXXX, XXXX @ {$190.00} and then from then on XXXX on I would pay {$10.00} for 240 months. It all sounded legit until they asked for my credit card. I hung up. The phone number ( I still have the original message ) is XXXX and in the message it says to opt out call XXXX. I never called that number. 

This is clearly a scam and it is repugnant and disgusting since so many of us are desperate to get relief for our loans. I am XXXX so clearly praying on older folks.
Complaint sub-issue: Public record information inaccurate

I have reached out several times to TransUnion by letters, disputes online, as well as phone calls and filing complaints with this forum.    XXXX  is reporting a bankruptcy that was discharged as well as accounts associated with it. I have sent dispute letters and in their response, they stated, " verified thru the Bankruptcy Courts. '' I have enclosed a letter from the clerk of court, which clearly states that they DO NOT provide or verify bankruptcies with the credit bureaus nor anyone else. There is a public record entry that was placed on my credit report and I have been trying for over  XXXX  months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the public record and I have yet to get this inaccuracy rectified. This is my seventh attempt to dispute this item in which I have not received satisfactory results. On   XXXX   I mailed a notice to  XXXX  in effort to have the inaccurate item removed or for the credit bureau to produce written documentation including my signature, with enlightenment to how  XXXX  has verified this public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives and  XXXX  of the  XXXX  informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do not disclose, release or verify any information with the credit bureaus or any  XXXX  parties. At the point, I contacted  XXXX  once again and spoke with another representative who at this time advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question so I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation that there is no 'runner ' involved. The supervisor told me that they use a form which is sent to the courthouse. I asked what form and exactly where the form was sent. I asked if she could provide me with a copy of this form.  XXXX  refuses to give me any physical documentation ( whether tangible or electronic ) that they claim to have that verifies this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve. XXXX  violated the  Fair Credit Act by providing me False information I would like for the bankruptcy as well as associated accounts, delete from my credit  report and to receive an updated report showing so.
Complaint sub-issue: Didn't receive enough information to verify debt

Account was dispute it and deleted for inaccuracies and they added it back after fraudulent activity and now theyve put the collection under a different Company to be fraudulent
Complaint sub-issue: Public record information inaccurate

I wanted to get a lower interest rate on my home, so I check my credit and seen that there was a derogatory listed as a bankruptcy. The listed item is entirely inaccurate and incomplete and represents a very serious error in EQ reporting so I disputed the error with EQ which I sent out on XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, EQ sent me out a response stating they contacted a third party vendor to obtain the most recent status of the public record in regards to my dispute. In the results of EQ investigation, it list XXXX as the third party vendor used to obtain this information. Under " How I should read my dispute results '' EQ explains 3 different result items that can be stated in the results of my dispute, but neither is found. 
Instead it shows a different result item which is confusing and unclear, preventing me from properly understanding and reading my dispute results. It tells me the bankruptcy is currently reporting as discharged and to contact the listed item address for additional questions. 
A description of the procedure used to determine the accuracy and completeness of the information including contact details was requested from EQ on XXXX XXXX, XXXX. ALSO, in the same letter a copy of all documents bearing my signature giving consent to EQ, XXXX and anyone making the communication about me was simultaneously requested! 
On XXXX XXXX, XXXX a letter for verification was sent to the listed ITEM address, which they responded on XXXX/XXXX/XXXX stating I need to resolve my discrepancies with EQ AND I may wish to contact my attorney for further assistance. 
A letter was also sent out to XXXX after I check the listed website, of them explaining they do not match public record data with consumer credit file for EQ, and EQ performs this matching themselves. 
On XXXX, XXXX EQ sent a letter titled " IN REFERENCE TO YOUR QUESTION REGARDING THE INVESTIGATION PROCESS '' in response to my request for a description of the procedure used to determine the accuracy and completeness of the information. Which is unacceptable, inaccurate, incomplete and unclear on the description of the procedure they used. 
EQ also sent out the results of my dispute informing me that their investigation was completed on XXXX, XXXX. Under " HOW I SHOULD READ MY DISPUTE RESULTS '', EQ, list 3 different detailed result items which once again were not listed under " THE RESULTS OF OUR REINVESTIGATION '' conclusion. INSTEAD IT LISTED another unclear, confusing, inaccurate result regarding my dispute by stating " We have reviewed your concerns and our conclusions are : The disputed account XXXX is currently not reporting on the EQ credit file. '' When checking NUMEROUS CREDIT REPORTING SITES FOR EQ, in regards to THE BANKRUPTCY ITEM, It was still reporting inaccurate and incomplete which i have provided you proof. 
During the process of the first dispute sent out to EQ from XXXX XXXX, XXXX until now this item has still not been listed in a dispute status ...
Complaint sub-issue: Transaction was not authorized

I was a XXXX  independent consultant who purchased jewelry and accessories from XXXX  XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. This company advertised the jewelry as lead and nickel free. I have asked them to provide me with their test results proving that the jewelry is lead and nickel free and they have refused. I asked them to refund my money and they have refused. The jewelry has since been tested by a 3rd party accredited lab and it shows very high levels of lead and nickel which is not compliant with California Prop 65 guidelines.
Complaint sub-issue: Account status incorrect

I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these collection accounts. I request an original document bearing my signature and well as proof they had permission to purchase these accounts. No verifying documents have been provided for the attached accounts.
Complaint sub-issue: Card opened as result of identity theft or fraud

I am submitting this complaint on the basis of the unresolved matter. Citibanks continued abusive efforts to collect on fraudulent debt continues. I first notified Citibank  in XXXX of XXXX  that I was a victim of identity theft. Citibank allowed numerous loans/ lines of credit and Credit Cards to be applied for and opened online without my consent. I have a fraud alert, which is an extended fraud alert on my credit files for a reason. Citibank ignored this. I have now placed a security freeze on my credit files, as of two days ago Citibank attempted to Hard Inquiry my credit report from XXXX  which is a screenshot I will attach. This was blocked, and unauthorized. I have not applied for any credit with Citibank NA, Nor Citicards. CitiBank confirmed they sent fraudulent cards to XXXX XXXX XXXX XXXX XXXX TX XXXX. This address is not on my credit report, and is listed as fraud. Therefore I never got any cards. Additionally Citibank confirmed they opened fraudulent checking and savings accounts which I never authorized. I never sent my ID to Citibank. I do not and have not authorized Citibank to open any line of credit, installment loan or credit card in my name. These are all fraudulent and unauthorized. The email addresses XXXX, and XXXX were found on the dark web being sold and bought by identity thieves these are fraudulent, not authorized, these have been reported to the authorities. Yet Citibank continues to cause further identity damage, refuses to investigate the crime, has not resolved this matter and continues to break consumer laws.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, has violated my rights XXXX 

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: Information belongs to someone else

two fraud accounts have been reporting on my equifax credit reporting agency, i have been disputing these two accounts, but they have not been helpful at all, these were disputed few times, XXXX  and XXXX have removed these inaccuracies, but equifax is unwilling t do so and they are not cooperating. one is a XXXX XXXX XXXX account and the other one is XXXX. 
i have already sent them police report and FTC report showing that i had been a victim of ID theft, but they have been playing me around and not placing correct disputes. it has been almost a year and very stressful and uncomfortable year. please have these two accounts removed from equifax reporting. 
thank you for your cooperation
Complaint sub-issue: Debt is not mine

Afini keeps trying to collect on debt not mine
Complaint sub-issue: Threatened or suggested your credit would be damaged

Attorney XXXX XXXX XXXX XXXX debt collector for XXXX XXXX is on violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt collection Practice act ( FDCPA ) also Michigan laws of the ( FCRA ) and ( FDCPA ) and consumer protection laws has taken action and suing for a debt they did not verify in time with a valid original ( wet ink ) contract that is written documentation. The XXXX letter is a 609 letter under the ( FCRA ) which requires that the credit agencies investigate and validate all accounts including the alleged owed account from XXXX XXXX from a XXXX ending in XXXX for an amount of {$1000.00}. Attached is the letters sent in for verification to the Credit Bureaus. The debt collector had 30 days from around XX/XX/XXXX and XX/XX/XXXX ( 2019 ) to verify the debt through the dispute process of the ( FCRA ) form all three credit bureaus that are XXXX, XXXX, and XXXX. Instead of verifying they took legal action and decided to sue with insufficient evidence and still reporting this unverified debt which is way past the 30 days which must be removed from all three credit reports and to cease any collection attempts. The collector is committing defamation of character and attempting to collect this expired debt and other applicable laws.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquirY reporting on my Credit Report : 1. XXXX Inquiry Date XX/XX/2021 ;
Complaint sub-issue: Information belongs to someone else

I am writing to dispute a fraudulent charge on my account of {$7500.00}, {$1500.00}, {$7900.00}, {$9000.00}, {$2200.00}, {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 





I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Police Report