Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

AFNI, Inc posted the debt of XXXX originating from XXXX XXXX. The debt was removed from all reports in XX/XX/2018. AFNI then resold to XXXX XXXX who assumed the new right to collect. 

XXXX XXXX posted a collection to both my XXXX and XXXX   credit reports for a debt of XXXX. The positing states this is an active collection opened XX/XX/18. No verification of debt was received 60 days after the negative posting.My address is well known and I should have received notification validating the debt and active collection attempt.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX and previous ftc violations
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2022 XXXX Citibank pulled my credit unauthorized without my consent and no obtained signature. I made numerous complaints.
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX and I am writing regarding an invalid debt. I have asked for an itemize statement with what services and or items billed for this bill, when did these services began/end, I asked for copy of the original signed contract, a copy of the photo ID, a copy of the social security number required to open this account. I have asked for these items because, it is a requirement to provide these items in order to open an account. This is not my debt. If this debt was true and honest this information will be available. However, I have not ever applied, signed or agreed to any services or product. This company is reporting false information and can not produce the documents to ensure that this is a valid and true debt. 

XX/XX/2016 {$2700.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am a XXXX  at XXXX XXXX College in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXX placed this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX College said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.
Complaint sub-issue: Debt was paid

XX/XX/XXXX California implemented an amnesty program which allowed people XXXX-XXXX % off of their current balance with the court systems collection department ( Alliance One ) in order to get people back their licenses. I had XXXX accounts equaling just under {$3000.00}. The amnesty was granted and I paid the balance. I also paid the fees to DMV to reinstate my license and I thought it was all taken care of. 

XX/XX/XXXX my husband and I filed our taxes. We were due a state refund of approximately {$800.00}. While checking the status I received a message that said the California Franchise Tax Board had intercepted my refund and I would not be getting any of it back. 

This is extremely frustrating as the original ticket was a fix it, costing nothing. This is extremely frustrating as the bill had to paid in full before I could get my drivers license back. This is extremely frustrating that my family is struggling financially and I am still being penalized for a paid debt. From the government no less! 

I spoke with the FTB and they said they could not do anything. I spoke with XXXX XXXX some low level manager at Alliance One and he said I would get the refund about a month after they received notice from XXXX XXXX County which would take at least six weeks. Maybe. So a tax refund that was due in XX/XX/<YYYY> I will not get until after XX/XX/XXXX. 

So now I am waiting. For what I do not know. I do not have any faith in Alliance One as far as keeping their word, or being knowledgeable in any capacity. Basically, I am being victimized by the system. Everything is run by an automated system. Every one is pointing the finger and shifting blame to where they are trying to convince me, that no one is responsible or accountable for this grievous error. 

There needs to be a better system in place. Somebody needs a corrective action of some type. This is not okay. Please look into it. Thank you so much. My family and I appreciate your time and effort on our behalf.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

PLEASE UNSUBSCRIBE ME! 

you don't have an unsubscribe on your email- i do not wish to receive mail from you, or to have an active account with Skrill! 

thank youXXXX XXXX XXXX
Complaint sub-issue: Can't get flexible payment options

XXXX XXXX, 2009 I was granted a discharge for a Chapter XXXX bankruptcy. I included XXXX non-federal student loans in my Chapter XXXX bankruptcy and was granted a discharge by a federal judge. XXXX and American Education Services has continued to pursue payment from me for over six years. I paid what I could because they always threatened to report to collection agencies. I have been trying to repair my credit and therefore wanted to keep collections off my record. Many times I had to forbear the payment or decrease the amount, but I juggled to keep them from reporting to collection. I recently came across my bankruptcy discharge and would like to file a complaint for the civil contempt of court made by XXXX and American Education Services.
Complaint sub-issue: Was not notified of investigation status or results

I AM XXXX XXXX A NATURAL PERSON. " In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 5 months I have made several attempts to remind you of your duty pursuant 15 USC 1681. It appears that Equifax is intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. They can see in there system that this account was previously disputed without being verified. Equifax has violated HIPPA LAW also. 
The account being disputed is XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I have been trying for the past few years to get my FREE CREDOT REPORT from all agencies .. EQUIFAX has NEVER sent me my free annual credit report, stating that " they don't have records of me '' .. all other companies " XXXX and XXXX '' have no problems at all and they have sent me my free credit report once a year every time I have requested it online. EQUIFAX has made me send them copies of my personal documents in several occasions and they still refuse to give me my credit report. This situation affects me terrible because even though I have credit cards and I have bank accounts and my credit score is in GOOD status, I can't even buy a car because most dealers use all 3 reports to approve the loans to buy cars. What legal rights do I have against EQUIFAX for having my identity in a Halt as they have??? Please help me urgently because I need to buy a car and move on in life. Life of an immigrant is already hard as it is, I don't need to have EQUIFAX terrorizing and sabotaging me financially. Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was contacted that my credit score had decreased so I called and found out that a hard pull had been done on XX/XX/2020 they said it was XXXX XXXX  XXXX XXXX  via Equifax mortgage services which does not exist I called XXXX XXXX  XXXX XXXX  and I called the number that I was given by Equifax that was on my credit report for the company that did the hard pull on my credit this Equifax mortgage services but it found out that was not a correct number the phone number I was given for Equifax mortgage services was XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I let you know that I had been a victim of identity theft XX/XX/21 and submitted an identity theft report but only part of the information was deleted by Equifax. Please delete these other accounts.
Complaint sub-issue: Reporting company used your report improperly

I applied for Discover student loans consolidation on XX/XX/XXXX, in the amount of XXXX. I was told by the company that you may dispute the claims, and within 30 days there would be an additional soft pull of your credit report once all dispute info was obtained. Customer service stated that they would not be conducting another soft inquiry. On XX/XX/XXXX,  My credit was pulled a 2nd time within 30 days without my permission. i have spoken with several managers, who did claim that the practice was wrong, and should not have been conducted as I was told something different, than what was done. Here we are, XX/XX/XXXX, and the inquiry has yet to removed from XXXX. This is the only inquiry left, discover removed them from the rest of my accounts. Discover claims to have submitted to the credit bureaus, but this is currently showing on my report. Please help. I have been speaking with supervisor XXXX, who has helped tremendously, but this has extended too far.
Complaint sub-issue: Debt was result of identity theft

My daughter 's ex boyfriend used my name and information to obtain an XXXX without me knowing anything about it. This debt was for {$2000.00} with XXXX XXXX. I have filed a complaint with my local police department. I filed a complaint online and I complained to XXXX and I can't get it removed from my credit report. This debt is not mine and I was not ever aware of it until I received a collection notice. It is theft and fraud and I want it removed from my credit report. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Equfax has refused to dispute a item on my credit report and ask me to resend the documents again and again after my hard money is spend with my debit card and I barely have any money in my checking account and unemployed right now and they received my documents on the XXXX and told me it was invalid for unknown reasons and wouldnt dispute XXXX XXXX This account is not in dispute Equifax wont remove it or dispute it and I dont have to resend documents over and over and I send the recent documents on the XXXX XXXX and the agent from office of consumer affairs was rude to me and disconnected the call on me twice and wouldnt track my mail and I told him I want speak to us dept and he refused and hang up on me Certified mail tracking number XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, XXXX charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.
Complaint sub-issue: Account status incorrect

After reviewing my credit report on XX/XX/18, I noticed late payments reported on my loan with XXXX XXXX. The lates reported correspond to the passing of Hurricane Maria wich affected the island of Puerto Rico during the months these lates were reported. Access to banking services where impossilbe for everyone since the island suffered from a major hurricane disaster and there was no way to obtain access to banking accounts and all our systems collapsed. These lates reporting are affecting me adversely since I am in the process of purchasing a home.
Complaint sub-issue: Information belongs to someone else

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I DID NOT OPEN THESE ACCOUNTS THEY DO NOT BELONG TO ME IT IS NOT MY DEBT I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Account information incorrect

I contacted this company by phone and email on XX/XX/20 around XXXX. They are reporting inaccurate information which is reporting inaccurately on the credit bureaus as well.
Complaint sub-issue: Debt is not yours

Debt collector refusing to provide account validation information. Debt does not belong to me and collection agency refuses to provide validation info.
Complaint sub-issue: Account status

Equifax is misreporting a rolling charge offXXXX ( Equifax ) # XXXX, for misreporting a rolling charge off
Complaint sub-issue: Debt was paid

The purpose of this communication is to advise the collector Hunter Warfield that the debt you are trying to collect do not, and should not exist, because I notified XXXX the manager at XXXX XXXX  XXXX that, I could no longer reside in the community, because of the fact that I was the victim of a car burglary, and I no longer felt safe, as a senior citizen living in XXXX. XXXX told me that I could live out my deposit if I cleaned the apartment, and this was done. 
I also told her was that I had came into contact with a criminal that I knew from my previous employment, at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he had made a verbal threat on my life. XXXX told me, and I understood that she could not evict a person because of the fact that they had previous involvement in a criminal life style. 
Therefore, I told her that I would have to move, because I feared for my safety, and on the day that I moved I went to the office, along with one of two of my former co-workers and turned in my key. Several years later, I started getting calls from Hunter Warfield about a debt I owed to XXXX. This debt should not exist because I made sure that I took a witness with me for this specific reason, and he is willing, and available to testify in court if needed. 
As far as the criminal I did not take the time to find out if he was a resident at, or if he was visiting a resident in the community. I know that at my age, I was prepared, and had would have had to use deadly force to protect, against him, and I did not want a public trial, because this would have led to even more scrutiny, and me having to move again. Therefore, I would like the CFPB to publish this description of my response to Hunter Warfield claims, because I feel that, if there was a problem with my actions, XXXX should have stated them to me when I turned in my key. if they continue with their unwarranted contact I am prepared to go to court with a witness to provide direct evidence of my lst contact with XXXX.
Complaint sub-issue: Information belongs to someone else

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXXXXXX. 
Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account BalanceXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$9400.00}
Complaint sub-issue: Didn't receive enough information to verify debt

AFNI, INC at address XXXX XXXX XXXX XXXX IL XXXX is reporting an account on my credit reports in the amount of {$670.00}. I don't know this company. I have never done business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted a dispute with the credit reporting agency in regards to a bankruptcy showing on my credit report the bankruptcy doesnt belong to me I have contact the source for which the bureau state to have received the information the source report they have no file on me and that my file were suppressed due to s previous Id theft several years ago The new public records law requires personal information to match in this case the information being reported for bankruptcy doesnt match my personal information the name is incorrect alone with the address the FCRA requires this information to match or be deleted the credit bureau has refused to delete information the new law also states information must be updated every 6 months this also hasnt been done Im requesting physical proof of such bankruptcy filing bearing my signature ASAP or the actual documents provided to the credit bureau
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Complaint sub-issue: Information belongs to someone else

THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, I AM NOT RESPONSIBLE FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY FILE FOR I HAD NO KNOWLEDGE OF IT BEING ON MY CREDIT UNTIL I RECENTLY UPDATED THE REPORT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have submitted several disputes via mail and online over last 6 month regarding the below inquires on my credit report. I have in no way authorized these companies to pull my credit and demand they be removed. There is also pending litigation regarding these inquires with XXXX, Equifax and XXXX. In the mean time, please have all hard inquires listed below removed asap per the law! Its holding me back. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: You never received your bill or did not know a payment was due

Hi I have a Macy 's store card. from XXXX XXXX. I am always on time in making payments and always used to pay full amount i have owed. During XXXX XXXX i made some purchases and returned some. So i got bill but I forgot to pay the bill which is due by XXXX. In XXXX XXXX XXXX i went on vacation as I did n't have electronic statements enabled i did n't look at the bill. I have returned from my vacation and then while looking at the credit report on credit karma i have observed that there is payment due and i have made complete payment along with the fine and interest on XXXX XXXX XXXX tough it is reported to the credit agencies i thought that it will fade away over the period. 
Now i am looking to buy a house and observed that this is the only factor that is effecting my score. may be more than 40 points. I tried to check with macy 's if they can remove the -ve mark to which they did n't agree as they need to be truthful. Agreed what they are doing is right. But effecting the credit score for only 1 missed payment that too for 7 years even tough i have all the other things perfect. i felt it is not fair. 
I am writing this not to blame anyone. but to bring you to your notice that some things needs to be considered looking at the history. i paid fine and still being punished and for 7 years which is long period and i need to keep paying more mortgage interest as i have reduced score for other 7 years or more. To Error is human but what credit reporting scores are checking is that we should never make errors and it is like 1/2 life time punishment considering full life time punishment is 14 years. 
It will be helpful to guide me if you have observed any issues like me and you have resolved. if not i need to live with it for other 6 more years paying more for interest for 1 mistake ( not enabling E- statements so that i could have known before that i missed a payment )