Johnade/consumer_complaints_cfpb huggingface dataset:
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 31 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: Money was taken from your account on the wrong day or for the wrong amount

A {$73.00} transaction was sent to my old closed account via through cashapp! ... because the account they sent it to was closed the bank sent the money back! ... Now cashapp is claiming that they never recieved the funds back from the bank and closed the case for the refund!! ... my bank has screenshots of this transaction as well as retrieval reference numbers and time and date the transaction took place!! ... it happened on XX/XX/2022 at XXXX!.. 
In the amount on {$73.00} ... not 1 of the customer service representatives through cashapp helped in fact they just told me the same thing over and over and then closed down the case without me recieving the payment!
Complaint sub-issue: Debt was result of identity theft

This week of XX/XX/2022 - XXXX/XXXX/2022, I received in the mail a second part letter to a previous mail I received a few months before. It contains a remaining charge of {$36.00} after previously having a higher charge. That former charge was done by someone who used my identity. I want to be cleared of this charge and my name erased from this account that they created. They used my XXXX XXXX  to create this transaction. The debt collection company that is dealing with this is XXXX Recovery Services. 

The reference number for the remaining charge is XXXX
Complaint sub-issue: Debt is not yours

On XX/XX/2021 I filed a complaint against XXXX XXXX who is trying to collect a debt he claims my sister owes him. The complaint number is XXXX. On XX/XX/2021 I received the resolution from Square who says it appears to be a phishing scam and Square would never ask for money. I responded that I did not think this fixed the issue. I have just now again received a demand for payment, from the same person, XXXX XXXX, this time through XXXXc, and again another one from the same company as before, XXXX at https : XXXX } XXXX. ( the symbol before the numbers " 101 '' after " XXXX  '' is strange one, a vertical squigly that my computer keyboard does not provide I don't believe the CFPB investigated the correct entity..it may not be the companies that are wrong, unless they accept any claim for payment coming through their site, it appears to be the man, XXXX XXXX, who is initiating the fraudulent claim. I previously provided his telephone number, XXXX area code. Can you please look at the original claim again, nothing has been fixed. I received the same message only 2 days after you believed it to be fixed.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Complaint sub-issue: Debt was paid

I had a credit card with discover bank. I went through a hard time personally so I entered into a collection agreement with a law office that I believe discover had assigned names XXXX XXXX XXXX. The agreement was for XXXX  year. The settlement was for XXXX XXXX XXXX in the amount of {$480.00}. The total was {$5700.00}. 

I have proof on my XXXX  account that I was paying them for that year. Discover still has it on my credit report. I need help in order to get this off. I did my part but it seems that no one is trying to help me. I even tried disputing it through XXXX. 

I also called the company and they said that there was no contract to forward me to review. This made me think they were trying to scam me. 

Thank you in advance, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

There is a collection showing on my credit from XXXX XXXX XXXX XXXX. The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place and never got a conclusive answer except that the information was " verified. '' I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. I want the account removed from my reports since it's proven unduly burdensome to contact the collector.
Complaint sub-issue: Information is not mine

Consumer Name : XXXX XXXX XXXX Date of Birth : XXXX XXXX, XXXX Consumer Social Security Number : XXXX Consumer Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX There is a fraudulent credit inquiry on my credit report submitted by XXXX XXXX XXXX on XXXX/XXXX/XXXX. 
In accordance with the Fair Credit Reporting Act, an entity may NOT procure a consumner report, or cause a consumer report to be procured, unless the consumer has authorized in writing authorization in the procurement of the report. 
It is my legal right do demand immediate removal of such credit inquiry by XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX from all credit reporting agencies. According to FCRA 616, Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] can and will be enforced. 

If XXXX XXXX XXXX feels otherwise, provide all forms of communication proving the credit inquiry authorization directly to myself, the consumer, XXXX XXXX. It you can not remove immediately.
Complaint sub-issue: Can't decrease my monthly payments

I have had multiple occasions where Sallie Mae has rejected my automatic bank account payments ( which I signed onto solely so I could reduce my rising interest rates ), which then resulted in a $ XXXX/month late fee, a ding on my credit score, and less opportunities to reduce my interest rates. I am currently in a standstill where I have my LOWEST interest rate at just under 8 %, and my highest at 10.25 %. Despite making over $ XXXX a year out of school, I am struggling to pay my ~ $ XXXX/month payment to Sallie Mae, and upon my times of calling have not been offered any solutions to reduce my rates aside from forbearance, which would result in a vast increase in interest buildup and a fee to even begin the forbearance. Sallie Mae has not been able to offer my any repayment options and basically has said that I need to seek outside options to refinance, however I do not have a co-signer figure to do so, and am rejected by said organizations despite on-time payments and my income.
Complaint sub-issue: Funds not received from closed account

I got a letter from Citibank on XX/XX/2020 saying my checking account will be closed in 60 days. There was a remaining fund when the account was closed. The amount was {$77000.00} ( as showing on the final statement ). 
The ACH transfer of {$76000.00} on XX/XX/2020 was returned to the original bank on XXXX/XXXX/2020. So there should be a {$700.00} remaining fund on the account. 
I have never got the refund check for that amount. I have contacted customer service countless times and they were unable to help.
Complaint sub-issue: Debt is not mine

In XXXX XXXX, I had a landlord and tenant issue with XXXX XXXX XXXX XXXX due to a Rodent infested apartment that management refused to resolve the problem. I secured a lawyer and placed the rent in escrow at the courts in XXXXXXXX and I sued XXXX XXXX XXXX aka XXXX XXXX, XXXX 

With assistance of my Lawyer the management of the apartment complex settled the case without going to court. The matter was settled out of court with a cash settlement. 

There are XXXX buildings within the property. Of which each building had different building names. XXXX of which is the XXXX XXXX where I lived the apt number was XXXX. 

Approximately 4 months ago, I received a letter from a Collection Agency Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX stating that I owed a debt in the amount of {$2100.00} with a Collection Account # XXXX. 

I immediately contacted this collection agency and informed them that this collection Agency that this debt to a creditor by the name of XXXX does not and did not belong to me. 

Also, I followed up by forwarding a certified Cease and Desist letter to this collection agency HUNTER WARFIELD. 

On Wed, XXXX XXXX, XXXX, I received an email from my credit monitor that Hunter Warfield Collection reported this Debt that does not belong to me in all XXXX Credit Bureaus. This negative information has been damaging and affected my credit score negatively Even though, I have contacted this Collection Agency and informed them that this is NOT my debt, they continued to report this debt to my credit report. 

This debt that does not belong to me was maliciously listed on my credit report by this Collection Agency Hunter Warfield. I am in the process of being interviewed for a Security Clearance and this negative and malicious information will impact my employment. 

I AM SUBMITTING A COMPLAINT TO THE FTC, BECAUSE HUNTER WARFIELD HAVE VIOLATED MY CONSUMER RIGHTS. 

PLEASE ACCEPT THIS AS MY FORMAL COMPLAINT AGAINST HUNTER WARFIELD..
Complaint sub-issue: Card opened as result of identity theft or fraud

I was a victim of XXXX fraud last year and received an unsolicited Cash App XXXXdebit card in the mail today ( XXXX ). When you try to call the company, there is no number available. There is no way except to send a message via email to the company or to get help unless you activate the fraudulent card through the web or app. This card was opened using my social security number but I have a credit freeze on through all three bureaus.
Complaint sub-issue: Account information incorrect

On XXXX, I sent dispute letters to XXXX, Equifax, and XXXX XXXX about inaccurate and incomplete items reported on my credit report. I sent it USPS certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX XXXX XXXX for Equifax, and I need assistance in this matter.I will attach copies of the letters below for your reference.
Complaint sub-issue: Debt is not yours

My wife called ERC Monday on XXXX.17 in order to get information about a a debt reporting on my credit report. She explained that the equipment was stolen and asked for contact person and phone number directly to XXXX XXXX XXXX, so that we could call them and resolve this matter. She spoke with XXXX XXXX, he refused to give her any information to contact the creditor. He just kept trying to get us to settle. What she tried to explain to him was we should n't be paying for equipment that was stolen, she did n't think it would be such an issue to get information so that we could figure out what exactly is going on with this account. Being that equipment was stolen, I do not understand how ERC is trying to collect on stolen equipment. XXXX stated that we could pay settlement or that he would open a dispute with XXXX. However, I have no paper trail or confirmation that this is actually happening which cause grave concerns for me. She asked him how long would the dispute take with XXXX, his response was I am not sure. They can take as long as they need to respond to dispute.
Complaint sub-issue: Personal information incorrect

Please forward my letter to Equifax information Service LLC, XXXX. XXXX XXXX XXXX, GA XXXX. 
Today, XXXX @ XXXX, I received a notification related to an address change on my credit report. I investigated and found out the error was on my credit report with Equifax under contact information dated XXXX XXXX which is incorrect. The error occurred today because I monitor my credit report almost every day after XXXX and my credit report was correct. As of XXXX, Equifax online Dispute format, dated XXXX, address information is CORRECT. Someone went into Equifax system and incorrectly changed the address. 
Also, on XXXX, I put a Security Freeze on my account on top of a Fraud Alert on my account on/or after XXXX and the address was correct. I need to understand why someone incorrectly changed my current address ( I mailed proof of address / ssn - via -USPS Certified mail dated  XXXX ) and why someone made my ssn NOT pass verification requirement in Equifaxs system.
Complaint sub-issue: Problem with customer service

I paid for prepaid credit to establish and build a Fico score while paying bills. It was taking Discover card so long to send a card after the payment that I told them to not open the account. I was told that I have no choice but to wait for the card. I began using it last month. In that month I paid as many bills as I could continuously making payments but Discover card was too slow in updating my transactions. This caused a double payment that left my bank overdrawn. I fixed it. That same payment went through again days later to Discover and probably remade by Discover and I fixed it again then making a smaller payment and taking care of the bank fee again. Next I was locked out from my online access to view anything while other payments were being declined when I have available credit for them not to have been declined however I dont even care about that. Im still locked out from my online access and have had to take care of other bills outside of using the Discover card. I need to for my personal records and business of my own view my own transaction records to know what was purchased and when but am disallowed. At this point I am deeming them as useless wastes of my time and setbacks. Bad business. Im demanding that they close my account and they are refusing to. Its all prepaid, my own money that I want put back into the account that they take money out of in my name.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Frequent or repeated calls

{$2700.00} XXXX XXXX Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.
Complaint sub-issue: Trouble with how payments are being handled

I make payments to American Education Services twice monthly. I have numerous loans both Federal and Private that they service. I make the payments in full that are listed on my account on their  website. I continue to get Past Due notices from a collection agency saying I have " {$0.00} '' or a negative balance Past Due. How is a negative or XXXX balance Past Due? I received notice in XXXX 2016 that they misapplied my payments after I did a short term deferment, however, I continue to get Past Due notices for no balances. If I am paying my payments in full every 2 weeks, how can I even have anything past due unless they are continuing to misapply my payments. I have contacted them on numerous occasions getting different answers, saying I need to specify what loans I want to pay with each payment or that they will look into it. I have done all of their suggestions and continue to get these ridiculous past due notices from a collection agency.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave Sagestream my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.
Complaint sub-issue: Account status incorrect

I currently have 2 accts with mohela student loans that are currently in active and in good standing. On my credit reports it shows late remarks from XX/XX/XXXX through XX/XX/XXXX. I was in a forbearance at that time, due to a tragic accident that my wife was in and she passed away and she happens to be the mother of my XXXX year old daughter so I'm currently raising her all by myself and during that time period I was offered a forbearance on my loans and I was advised that it wouldn't have any negative effects on my credit report. Well now I notice the company was reporting late payments during those time periods which is hindering alot of financial things in my life. Its stopping me from getting a promotion at work which would substantially increase my salary by approximately {$1200.00} a month, my car insurance is higher than it could be, and I'm also in the middle of trying to close on a mortgage and it's not giving me the opportunity of a prime interest rate. So this is costing me about {$1700.00} dollars more per month, all while im trying to raise a XXXX year old all by myself in a good structured environment and living situation. Somebody please help me as this matter is time sensitive so that I can close on my mortgage prior to my XXXX year old starting XXXX in XXXX which she is very excited about. This would help substantially towards helping a XXXX year olds living situation alot better if this can be corrected quickly. Thank you and XXXX bless
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account number 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: Account status incorrect

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX CARD I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX   XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on Equifax, XXXX  and XXXX XXXX respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX/XXXX  -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Other problem

I made an initial credit card payment on XX/XX/30 for {$500.00}, which has not been reflected in the online account information under " available balance '' even though it's reflected in the " Current Balance ''. I received a credit card statement on XXXX, which reflects the payment in both the " Statement Balance '' and the " Available Credit, '' yet I can't make purchases because the payment hasn't been reflected yet in the online account. The funds have also already cleared my checking account, which happened on XXXX. 

The information that they're providing on the online account and the credit card statement is not consistent, and they are holding my funds hostage even though they have the money and it's cleared my account. 

Apart from this, this isn't the first time I've run into problems with their credit cards. This is just the first time it's impacted my ability to make critical purchases.
Complaint sub-issue: Frequent or repeated calls

Daily calls throughout the day from Afni dating back to XX/XX/2021.
Complaint sub-issue: Information belongs to someone else

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.