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

Early in XXXX I began to receive emails and phone calls from XXXX. I have never used XXXX, so I assumed these contacts were fishing attempts. Later I discoverd that XXXX had pulled up a deliquient account from XXXX, with my name and address on it. They explained to me that the bank who had opened the account in XXXX is no loner in service, but in XXXX they reinstated this transaction. Apparently someone opened this account, but left it with a deliquent balance. I have made dozens of calls to XXXX, made contact with at least 6 account managers and investigation personal, and no one seems to bring me to a full knowlege of anything about this fraudlent account. I was finally told by a gentelman named " XXXX '' that the case had to go to the " back office '' to be resolved. In the meantime I have only received " Claim Review Completed '' letters, stating my claim is not approved because I " authorized, participated, or benefited from the purchase. '' I have come to the conviction that this response will only be repeated again and again. 
I know that this is an unauthorized fraudlent account for many reasons. In XXXX, when XXXX claims I opened this account, I was a full time, inner-city missionary in XXXX. I lived in a mission compound in a very depressed section of XXXX, serving the needy in that community. I did not own a computer or have any knowledge of XXXX. I did not own a home, apartment, automobile, and rarely shopped. I did not even receive pay or salary. I lived by faith and was a full time volunteer. Later in XXXX, began to teach school, and worked in the XXXX XXXX XXXX with displaced teens. I now work at XXXX XXXX  XXXX XXXX with XXXX kids. 
My credit report shows that I have never had a deliquient account, except this, which somehow, after 15 years is now appearing. I am in the middle of applying for a mortgage and my credit score has taken a hit, and it is imperative for this to be removed immediately, as it restricts me from qualifying for a conventional loan.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. 

LENDING CLUB CORP XXXX LENDING CLUB CORP XXXX I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are claiming this fraudulent account is mine. I have never had any goods or services with them or them they are knowingly and willingly reporting this fraud. They are also aware that my banking account was comprised and it was close due to fraud. They have caused me great damage and embarrassment also with emotional distress.
Complaint sub-issue: Information belongs to someone else

EQUIFAX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I called XXXX XXXX on XX/XX/XXXX at around XXXX EST ( on a recorded line ) I spoke with a representative about paying a settlement amount of {$2500.00}. She then sent me to a " senior management. '' I explained the situation to her and she said she would talk to the creditor about the {$2500.00} amount. When she came back on the line, she then said she asked them for {$2700.00}. When explaining to her that's now we discussed and why she told them a different amount than what I told her she got upset with me and told me that they were in charge and she would put the derogatory marks of not paying back on my credit for 7 years. This debt was issued in XX/XX/XXXX and now she's telling me that she would restart the clock if I didn't pay the additional {$200.00}. When I asked for her name and to speak to a manager she told me she wasn't transferring me to anyone else and if I didn't pay in 24hrs she would put it on my credit record and I won't be able to do anything about it. When I kept asking she then hung upon me. I've tried calling back over 10 times to speak to someone about this and my phone number is not going through. I did call from my other number and it did go through then they hung up on me and I can't call them anymore.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting incorrectly a collection in the amount of {$3100.00} on the N/A partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ;XX/XX/XXXX tax return ; XX/XX/XXXX tax return ; Letter of Employment ; XX/XX/XXXX W2 and XX/XX/XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a number of inquiries on my credit report that I didnt authorize. 

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 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
Complaint sub-issue: Can't get other flexible options for repaying your loan

Spouses first consolidated loans in XX/XX/XXXX and later refinanced the consolidation loan in XX/XX/XXXX with a balance of {$110000.00}. Husband diagnosed with chronic XXXX XXXX and unable to maintain income. Hardship deferral offered. Loan balance grew and is currently {$270000.00}. Now paying on income-based repayment plan but do not anticipate ever having enough income to pay off the loan.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a bankruptcy letters to the courts asking for verification. I wrote a letter to the court and got a response on XX/XX/2021 stating they do not report information to XXXX. However I sent a copy of the letter the letter to Equifax along with items to disputes on letter that attached on XX/XX/2021. No items was removed, no information from Equifax was received to me. It's been over 30 days.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter off on XX/XX/2022 and also tried to dispute it via website. Here is the tracking # 's XXXX, & XXXXTo remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681 I have the right to privacy. Also according to 15 U.S.C 6802. No financial institution is not allowed to share my information to a third party. 

These are clear violations of my federally protected consumer rights. 

I also completed completed a identity theft.gov complaint. Confirmation # XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked on Thursday. 

On Friday, I checked to see whether or not I have been affected by the hack. Equifax has demanded that I wait until XXXX to get protection from a threat of identity theft caused by their mistakes. 

Not only this, but if I were to sign up for their protection, they demand that I waive the right to litigate against them ( again for their mistakes XXXX. 

It seems to me that while Equifax has been hit hard by this crisis, the fact that they are not willing to own up to consumers even remotely and are ill equipped to protect them makes Equifax primarily responsible in this case.
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX, signed a lease in XX/XX/XXXX for an XX/XX/XXXX move-in day to move into an apartment complex called XXXX XXXX XXXX  in XXXX, XXXX. Days after signing the lease, the COVID-19 global health pandemic hit and I was immediately put on furlough from my job at XXXX XXXX XXXX XXXX This prompted me to move back in with my parents in XXXX, as I could no longer afford to pay rent due to a complete loss of income, and understanding of what the future held, as was the case for most of us. 

I had been in contact with my leasing agent working on extending my move-in date under the assumption that the pandemic was going to go away sooner than later. This obviously never happened, and I was never made aware that I was still being charged rent for this apartment throughout the course of the summer of XXXX. I was then sent to a collections agency ( Hunter Warfield ) without being made aware of this debt. I have been trying to dispute this case ever since, and in XX/XX/XXXX I was made aware that this case was dropped from my credit report. However, I am now trying to apply for an apartment ( XX/XX/XXXX ) and am being denied based on this " unpaid debt '' ( {$3500.00} ) to Hunter Warfield and XXXX XXXX XXXX. However, based on the Fair Debt Collection Practices Act, one thing I noticed was that a landlord can not " Endanger the health and safety of tenants '', and moving into a new apartment in a global health pandemic falls under this complaint.
Complaint sub-issue: Personal information incorrect

Equifax : Keep disputing addresses, receive notifications NUMEROUS TIMES the addresses have been deleted however the addresses are still listed!!!! There's a XXXX XXXX ( Never had one ) & XXXX XXXX XXXX. ( I lived at the XXXX AND A XXXX NOT XXXX XXXX XXXX ) Could you please make this happen once and for all? I can't tell you how many times I've disputed & received NUMEROUS responses they have been removed. It's under " Your Identity '' THANK YOU SO MUCH!!!
Complaint sub-issue: Old information reappears or never goes away

A debt buyer company, XXXX XXXX, bought an account from XXXX Bank, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX I noticed a derogatory account listed on my credit report, which had negatively impacted my credit rating. I discovered this was from a company called IC Systems. 
Upon calling ICS I was informed I had an outstanding debt of {$120.00} from XXXX  dating from XX/XX/XXXX. They said it related to my not returning broadband equipment, which I had. 
I asked repeatedly for them to provide evidence of this debt which they have not. I explained that I had been a XXXX  customer from XXXX to XX/XX/XXXX and therefore it was illogical that I would have debt with them during that period when my account was in good standing. They argued that as they were separate accounts ( one closed in XXXX and a new on started the same month due to moving home ) that it wouldnt show. It was confusing as I have never had any issue with my XXXX  billing. 

The representative on the call said that IC had written to me a few times in the past few months ( coincidentally since I closed my XXXX  account in XX/XX/XXXX ). I explained that I have been out of the US ( in the XXXX ) as a consequence of the coronavirus pandemic so hadnt seen the mail but asked to be communicated with via e-mail instead. He refused to have them e-mail me. On my opinion, in this day and age, there is no good reason not to write by e-mail. There is no more or less chance of risk than with a call or physical letter. It is a tactic on their part to draw me deeper in to problems. As a side note I believe the name IC Systems to be deliberately misleading too. It does not address the nature if their business and could be easily overlooked as junk mail or spam. 

In any case, the representative then asked if I would like to provide further details? I said no as the taped message at the start of the call said any information I provide could be used to pursue me and I dont want to be harassed. The agent said that isnt the case and they wouldnt use it for that. This is early contradictory and also doesnt reconcile with his earlier refusal to write to me via e-mail or to call my XXXX number. He then asked if I would like have to case reviewed, meaning it would be put on hold for a few weeks while it was assessed and no further action would be taken in the meantime. I agreed and asked for the evidence of debt to be sent during that process. 

Two days later they filed another derogatory account notice to my credit report. This company has now severely impacted my credit rating at a tome when people are struggling hugely. They still havent provided me with evidence nor reached out via phone or e-mail. 

I believe they have acted in bad faith throughout. They have caused me stress and affected my future ability to access credit. Their weekly credit updates are designed to weaken and pressurise the individual.
Complaint sub-issue: Problem using a debit or ATM card

Returned my rental car. XXXX kept charging me and telling me I hadn't returned the car. So, they couldn't find a car I returned to their lot. I had a 6am flight out of XXXX so I had to drop the car off at 4 am, left the keys in drop box. A week later, I see a debit charge from XXXX. I call, what a nightmare, on hold for 30 minutes, they tell me I still have their car. I flew from XXXX to XXXX XXXX It was their way or the highway. eventually, they found the car and refunded the amount. After this experience, I asked for a new debit card from PNC bank so XXXX wouldn't have carte blanche on my account. So, new debit card... then, 2 months later, another charge from XXXX. How they did this I don't know. I called PNC, another nightmare, to dispute transaction. Weeks later, I get a notice from PNC saying they decided for XXXX. I asked what documents they used to make their decision. They said " XXXX sent us a receipt with your name, address, and account number. '' Do you ses the ridiculousness of this? Anyone who has had previous access to this information can use it. PNC was supposed to determine if this was FRAUD!!!! This entire incident has felt like a Twilight Zone episode. Has made me never want to travel again. The incompetency is bewildering. I had to CLOSE my PNC account to keep XXXX from withdrawing money from it. Of course now PNC is sending me to collections for not paying XXXX 's fraudulant charges.
Complaint sub-issue: Debt was paid

i am filing this complaint to report a false statement from XXXX XXXX XXXX, a collection agency from florida i just found it out when i checked my credit report from experian 3 weeks ago .At my biggest surprise i saw this debt collection of XXXX reported on XX/XX/XXXX and XX/XX/XXXX to the three credit bureau which state that i have an account that was open on XX/XX/XXXX with enhanced recovery Compan located at XXXX XXXX XXXX XXXX florida XXXX. Firstable this is a false statement, i have never opened an account or never did business with this company. but that was reported to the three credit bureau that i open that account with them since XX/XX/XXXX with  XXXX  and XXXX and on XX/XX/XXXX it was report to XXXX that is a lie. Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the three credit bureau. According to the Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the 3 credit bureau. but XXXX XXXX  XXXX XXXX XXXX did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from  immediately from my credit report I sent them a letter to prove me that they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond up to day, i am still waiting. also i ask them to sent me a complement payment history starting with the original creditor they never respond, i request immediate deletion of this account from my credit report with the three credit bureau or i will have to sue them for the amount of XXXX for violated my rights and the law
Complaint sub-issue: Information belongs to someone else

Please be advised that the status of the following accounts on my credit reports has been brought to my attention. The accounts are reporting inaccurate information and are not mine. This is not in compliance with the FCRA. 

XX/XX/XXXXXXXX - This account is not accurate as I never authorized this account. 
XX/XX/XXXX XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account.. 
XXXX XXXX - This account is not accurate as I never authorized this account
Complaint sub-issue: Debt is not yours

on XXXX/XXXX/XXXX I received an attempt to collect a Debt in the amount of {$1500.00} in Towing services from XXXX XXXX XXXX for a Vehicle that I sold XXXX/XXXX/XXXX.
Complaint sub-issue: Debt was result of identity theft

{$330.00} Original creditor : 05 XXXXXXXX XXXX XXXX XXXX  {$1000.00} Original creditor : 01 XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1800.00} Original creditor : 11 XXXX {$550.00} Original creditor : 01 XXXX I've contacted this company many times asking for a validation of debt since they couldn't verify these accounts their are stating that I owed I ask them to remove these fraudulent I didn't approve that was open in my name. 
they Keep violating my rights I wouldn't send me a copy of validation of debt according to my consumer rights. I told them this is unfair practices according to 15 USC 16g2f I also keep asking for a validation of debt. the name of the creditor of whom the debt is owned. I ask for them to not just remove these fraudulent statements and representation of that that the have fail to provide proof of such debt they said I've owe that they should be Delete from my Credit file.
Complaint sub-issue: Information belongs to someone else

I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES
Complaint sub-issue: Card was charged for something you did not purchase with the card

on XX/XX/XXXX or XX/XX/XXXX I received a " Fraud Alert '' text on my phone for my CitBank Credit Card I immediately responded that this was not made by myself or my wife the card was immediately canceled and another card was issued unfortunately the perpetrators charged {$960.00} on XXXX trips and XXXX eats from XX/XX/XXXX to XX/XX/XXXX in XXXX XXXX, California My wife and did not make any of these purchases, and reported it to Citibank Citibank transferred me to their fraud department in which we answered all their questions. They told me I must pay the transactions and later they will reimburse me once the investigation is completed. 
I then received a letter stating they find me liable for all the transactions. 
I then disputed it again and they said they needed further questions. I answered all of their questions and tried to supply more information, but they only wanted their s specific information. 
I then received a second letter that since the credit cards were in my possession, that I am responsible for the {$960.00}.
Complaint sub-issue: Billing problem

ally bank loan for my new XXXX XXXX is not being credited as i tell them to. on my first payment XXXX i adde XXXX dollars to the payment and noted on the statement coupon that it was to go toward my principal. they did not put it on my principal. i called them when i had not recieved a ststement in time for me to make an on time payment. they do not have anyone there that speaks english well enough for me to be able to converse with. so i called the ally bank direct and they tried to transfer me back to the same people as before, i refused and they finally contacted them themselves and when they got back to me they told me that i would be sent a statement every month 19 days before my due date. i told them this was a lie. now on XXXX i recieve a statement saying i need to pay XXXX on XXXX but also states that scheduled payment is XXXX on XXXX so what happened to my XXXX payment? i never made it and yet i am getting conflicting information. i did not sign up for any variable rate loan, on my contract it states that i will have payments of XXXX for 6 years and that is what i agreed to nothing else is acceptable why are they able to make their own rules and ignore me when i want to speak to a supervisor none are there please stop this bank doing business in america
Complaint sub-issue: Debt is not yours

I sent Certified mail to Kashable requesting that they provide me proof that this account was opened by me and to provide proof. They did not send correct info only a statement with the payment due dates which doesnt show proof of anything. They are in violation of the FCRA and FDCPA. They did not respond in the alotted amount of time to my request
Complaint sub-issue: Information is not mine

Equifax continues to report fraudulent & unverifiable accounts on my credit report. There are XXXX XXXX XXXX accounts which I 've disputed with them numerous times, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Equifax have provided me with a signed contract of my obligation but they continue to claim this has been verified. When reviewing my file here are some facts which question the integrity of their investigation. The address linked to these accounts is not mine. I 've requested it be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This is public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like these unverifiable accounts removed immediately. If Equifax continues to claim they 've verified these accounts again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.
Complaint sub-issue: Reporting company used your report improperly

According to the Fair Credit Reporting act, - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

- 15 U.S.C 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights by reporting a duplicate account. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, has violated my rights.