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

In XX/XX/2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. 

I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

They did not adhere to any of my requests and instead sent me a bill to pay for the collection.
Complaint sub-issue: Didn't receive enough information to verify debt

MOHELA/U.S. Department OF EDUCATION } in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing { Seriously past due date/collection, my account was charged off $ XXXX {$2500.00} } in ( XX/XX/2016 )
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern : On XX/XX/2022, an unknown entity - XXXX  ( Miscellaneous ), ran my credit without my consent. 

Please remove, this unauthorized information from my credit. 

Thanks!
Complaint sub-issue: Contacted your employer

The card DISCOVER BANK filed a claim on me inXXXX,. I went to court it was discharged because. I didnot have income. On XX/XX/11 XXXX. Discover card filed a claim again this debt i XXXX XXXX XXXX. The letter states CONTINUING WRIT OF GANSHMENT AGAINST SALARY OR WAGES The case Company # is XXXX XXXX XXXX XXXX. XXXX/ Ky Toll # is XXXX XXXX. I stared receiving robot calls from # in that area in XXXX every day. XXXX
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed that on Equifax my score had dropped due to the bank not reporting my correct credit limit as well as the current balance of my account. I called the company and asked that they update the correct information to the credit bureaus. The customer service representative told me that I should write a letter to the company requesting they update the information with the credit bureaus. I also took the liberty to dispute the information with Equifax which after disputing the investigation still came back with the wrong information.
Complaint sub-issue: Deposits and withdrawals

Unable to transfer funds to my XXXX account.
Complaint sub-issue: Information belongs to someone else

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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I sent a certified letter to Equifax disputing an account XXXX XXXX that does not belong to me and requesting a complete and thorough investigation by Equifax according to the FCRA and FDCPA which Equifax failed to do. Again on XX/XX/XXXX I sent another certified letter requesting another re-investigation which Equifax failed to do. Both letters were signed return receipt by XXXX XXXX. Within one week after my second letter dated XX/XX/XXXX I received my credit report from Equifax which stated that the account was already verified and so the charged off account, XXXX XXXX account remained on my credit report. I requested information from Equifax on how the investigations were completed based on the Fair Credit Reporting Act and all applicable laws and statutes that applies to my DISPUTE. Equifax failed to comply with these statutes and laws in regards to the disputed XXXX XXXX account. I made it very clear that the account does not belong to me. Based on Equifax erroneous reporting, I am not able to get a student loan to continue my education and this has caused me serious financial hardship and my ability to get an education and earn a living. I have enclosed and faxed all pertinent information as evidence. Equifax has ruined my life because of this inaccurate and erroneous information. ( XXXX XXXX account on my credit report ).
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft : 1. XXXX XXXX 2. XXXX  XXXX 3. XXXX
Complaint sub-issue: Received bad information about your loan

I reached out to Nelnet regarding the inaccurante reporting that my student loan was 90 days past due XX/XX/XXXX and XX/XX/XXXX. I was on a forbearance plan and was not delinquent. I was advised that when the paperwork was submitted to XXXX that it would apply to Nelnet as well. I submitted the paperwork to XXXX and was still reported as 90 days in XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Purported entity, not registered as an LLC in XXXX, established the website XXXX. They use the name XXXX XXXX XXXX. Previously they were using the false name XXXX XXXX XXXX. They repeatedly robocall consumers, several times per day, and assert a case has been filed against them. 

Company changes name frequently. 

Debts are all outside the statute of limitations for filing a suit or previously disputed debts. 

Company appears to be a false name, possibly affiliated with XXXX XXXX XXXX, as once an agent mentioned XXXX. 

Address is a mail drop. 

Company uses XXXX as telephone. Company uses maildrop XXXX XXXX XXXX, XXXX XXXX, XXXX Ga XXXX as only address. Callers claim they are in XXXX, but no registration with Georgia Secretary of State.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to XXXX  XXXX for the purpose of obtaining a credit card, XXXX  XXXX  has committed fraud with my personal information, I have sent XXXX  XXXX a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time XXXX  XXXX accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because XXXX XXXX has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.
Complaint sub-issue: Account information incorrect

I tried to apply for credit and learned that I was denied. After searching many channels to understand the reason for the denial, I learned that my information was leaked through the Equifax data Breach. I am not sure why has happened, and I should not have been denied credit.
Complaint sub-issue: Need information about my balance/terms

I attended XXXX in XXXX, a 6 month intensive XXXX class that promised job placement as well as lifelong access to continue to attend classes and use the school 's equipment when available. The school closed without notice in XX/XX/XXXX and from what I 've been able to find online, they filed bankruptcy. 
XXXX I have been paying $ XXXX-XXXX a month since I graduated almost 10 years ago and I still owe over $ XXXX. I currently pay my loan to American Education Services who have refused to send me any information surrounding my account, claiming I selected a " paperless option '' for my bill therefore all documentation from them will only be paperless. My original loan was though XXXX XXXX, I do have the original contract if that is helpful at all.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account below : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

CBA reported multiple derogratory remarks on all three credit bureaus reports about a debt with XXXX XXXX XXXX At the time of service, I had active medical coverage through my job. I should have never been charged for services while having adequate medical coverage that covered all procedures done.
Complaint sub-issue: Account status incorrect

In XXXX, the major credit reporting companies falsely reported me being delinquent on my XXXX student loans, however it has been in deferment for the past 3/3/1/2years. This error has caused a negative score on my credit score. I tried to resolve with XXXX last year but they said they can't do anything about it & to contact the credit reporting companies - I filed an online dispute with each of them but it was denied despite me submitting the evidence the account is current and in forbearance for the past few years. On the credit reporting sites, it says I was late 90 days for each XXXX loan, however in the pic you can see the green dots indicate on time, plus I made a payment in XX/XX/XXXX on both loans - please note my forbearance ends in XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DEPTEDNELNET with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

I submitted a letter stating that the information on my credit report was reported incorrectly. 45 days has passed and there has not been a response.
Complaint sub-issue: Account status incorrect

I submitted proof of Payment to the credit bureau showing that the account with XXXX XXXX XXXX was paid in full and should be removed. The company instead changed the status to charged off as bad debt which is incorrect. I submitted my paid receipt and I am also attaching it here for your records again. This account is not charged off it is paid in full.
Complaint sub-issue: Charged too much interest

I was solicited by Home Depot to open this credit card and used it to purchase some new appliances for my home. I was promised 0 % interest if the principal balance was paid off within two years. I was reluctant at first since I had plenty of money in my bank account but feel I was aggressively persuaded by the store representatives to open the credit card. After opening the credit card and charging the purchase, I made multiple attempts and phone calls to Home Depot to set up automatic recurring payments to ensure it would be paid off within the two year interest free time period. In one of the recorded phone calls I asked verbatim So the automatic payments are set up so it will be paid off within 2 years? and the young lady representative responded Yes. And now, Home Depot mysteriously does not have record of the recorded call and are charging me an absorbidant amount of interest. I can show substantial proof that at the time of purchase then and now, that it is financially feasible for me to pay for these appliances outright with my own bank account. However, due to the unfair solicitation and improper set up of automatic payments and record keeping by Home Depot, they are now charging an exponential amount of interest. I contacted them concerning the issue in XX/XX/2018 and they have no record of that phone call either. So no record of any recorded phone calls and no record whatsoever of my phone call in XX/XX/2018. However, I guarantee that there is a record to show that they set up the automatic payments for me. I have already paid off the entire principal balance and would ask Home Depot to completely remove the questionable interest charges. If this dispute can not be resolved amicably, I will have no other recourse but to seek legal counsel which I would prefer not to do. Kind regards, XXXX XXXX.
Complaint sub-issue: No notice of investigation status/result

My name is XXXX XXXX and I am writing you about a bankruptcy listed on my Equifax credit report, in which I have tried to have it removed. Apparently someone with a similar name to mine filed bankruptcy in the XXXX, and it is appearing on my credit report. After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As they well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report.They continue to report the bankruptcy verified. Please find with this complete of my proof that they have never verified this with the furnisher. 

" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, thecreditbureauhasanobligationtoconductareasonablereinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, ithasfivebusinessdaystoforwardthedisputetotherelevantfurnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, orcannot beverified, thebureaumustdeletethedisputeddata.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
Complaint sub-issue: Debt is not yours

XXXX. Received letter XX/XX/2022 from collection agency stating debt owed. 
XXXX responded by fax of XX/XX/2022 not responsible for debt XXXX. Received e mail on XX/XX/2022 from collection agency of response recived. No acknowledge of faxed received. 
XXXX. On XX/XX/2022 responded to collection agency by e mail. Included all information that was faxed on XX/XX/2022. 
XXXX. Received a letter on XX/XX/2022 dated XX/XX/2022 from the collection agency, That we had not responded. 
XXXX. This is obviously harassment.
Complaint sub-issue: Debt is not yours

I moved out of a property in 2018, I paid 1st months rent, last months rent and security ( equal to 1 months rent ) when I initially moved in. I moved out before the end of my last month and never got the pro rated amount for last months rent or security deposit back which was fine, the property was cleaned professionally before I left and was in good shape, then I see on my credit report that I owe this property over {$12000.00} which equates to approximately 5 months rent! I have reached out to this property and have told them this is an egregious act and I absolutely do not owe anything to this property and demand they remove this from my credit report and they have been flagrantly unresponsive! Please help as I have a wife and XXXX XXXX XXXX daughter and this collection on my credit is preventing me from leasing a home in a decent area! I lose sleep over this every night! I have been fighting this since 2018 please please help! 

Thanks In Advance For Your Assistance XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, Equifax and XXXX. I only got response from Equifax but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as Equifax provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surpeise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

XXXX/XXXX, Account # XXXX, Date Opened XX/XX/XXXXYou are even duplicating this account on my report, which is completely affecting my credit score. Please delete these Duplicate fraudulent accounts asap! 
XXXX XXXX-XXXX, Account # XXXX, Date Opened XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX . This account is fraudulent, I still wonder why are you reporting, contrary to that law that state : Fraudulent accounts to be removed within 4 days from receiving a proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. 

Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these fraudulent accounts
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX is currently reporting an account it alleges I have with them. 

I have previously asked them to provide me with documentation that would provide both validation and verification. All that was provided was an account with payment dates. None of these pages have an original signature from me. 

Nor have they provided any documentation to me which even proves that they acquired the date, the manner in which they acquire it and how much they supposed paid for said debt. 

Furthermore, while I had not considered legal action, if the paperwork is not provided to me, I will file suit with the FTC and other agencies to resolve in one manner nlt XXXX XX/XX/2021 as I have been waiting almost a year now for them to provide me a signed document where I contracted them to do any business with or for me. Or any document where and how they acquired this debt.
Complaint sub-issue: Account information incorrect

I am a victim of the XX/XX/XXXX Equifax data breach and I have tried to call Equifax to speak with someone about a disputed item on my credit report to no avail, every time I call they transfer the call to someone who can't speak English, so I can't understand what he/she is saying, thus can't repair the issue.  My latest attempted contact was Saturday XX/XX/XXXX and I spoke with three different people and when I ask to be transferred to the supervisor, (in the United States, who can speak english), I was put on hold, eventually the phone hung up after 30 minutes or so of waiting online.  I have an unsecured loan account with XXXX XXXX XXXX XXXX that is no longer open (paid off), and it is still reporting on Equifax as owing XXXX, but it was paid off a couple of months ago and is closed.  I have tried to correct it with XXXX XXXX XXXX XXXX as well as Equifax Credit bureau, to no avail.  ON the credit bureau report it list the account as being open, current, and $XXXX due each month, with a high balance of XXXX, of a unsecured Loan. The account number is XXXX, paid off in XXXX or XXXX, XXXX, it doesn't help the credit score saying that I still owe on that loan.  There has been no recent update reporting as of XX/XX/XXXX.  If Equifax wants to help people, it needs to have reps who can speak English, since it is an American Company, in the call centers.
Complaint sub-issue: Account information incorrect

I have a account listed on my credit report that is not accurate from XXXX   XXXX XXXX XXXX XXXX # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review.