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

XXXX XXXX from a group called Premiere has been harassing relatives and friends regarding an outstanding debt they say is owed by me. I have requested a " Validation of Debt '' and they refuse to acknowledge or forward anything to that effect. They continue to harass and threaten or give me any other information. PLEASE INVESTIGATE THIS GROUP. The only number I can get for them is XXXX. There are numerous lawsuits against this company. PLEASE STOP THEM
Complaint sub-issue: Their investigation did not fix an error on your report

After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my Equifax credit file and find that my personal information was breached.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  XXXX XXXX has a a hard credit inquiry in my file for XX/XX/2017. I did not make this inquiry for credit. I adk that the matter is investigated and item removed from my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an inquiry in my credit report for a company in Rhode Island with a XXXX Illinois telephone number. The telephone number is a scam telephone number. Additionally, Ive not ever requested any type of credit from this company. I sent multiple disputes to Equifax and they continually report this error on my credit report.
Complaint sub-issue: Information belongs to someone else

SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. 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: Problem with personal statement of dispute

Equifax and XXXX  both decreased my credit scores by approximately 50 points or more, for utilizing my credit cards. For the past 2 years I have labored to repair my credit, paying off close to {$10000.00} worth of debt. Since then, I have begun a positive and responsible habit of paying all my debts in a timely manner. I have been utilizing my various new credit cards carefully and always immediately pay my balances, often times paying off the entire balances on my credit cards every month. With the general uncertainties brought on by the Covid-19 pandemic, I have made sure to exercise extra caution in using my limited assets to take care of my existing debt, as well as new and different expenses that have risen due to the pandemic. Things such as buying extra supplies for use and creating a just stockpile of items for possible continued quarantine times. In a time were most Americans are asking for deferments on their payments, I have diligently made all of my payments to all my creditors and have full intentions to continue as such. This is why I bring forth this complaint in regards to how EQUIFAX and XXXX  are reporting on my credit status. I am asking for leniency. I am asking for compassion. I am asking for fairness. I am asking for consideration. I am doing the best that I can to keep afloat during these difficult times, as is everyone else. I have used my assets to satisfy my current debts to the best of my ability and feel, it is unjust for my credit scores to be dropped from the XXXX 's to a XXXX because I used my credit cards during a PANDEMIC! The credit was afforded to me, to use as I choose, in a responsible manner when necessary and I am doing that. I have made ALL of my current payments, on time and have asked for no deferments except for my student loans, as they were placed on an automatic deferment due to recent legislation signed by President Trump. Aside from this, upon investigation, findings will prove I have a current " excellent payment history '' as so reported by XXXX  as well as the other 2 bureaus. The extreme credit score drops are not justifiable. I seek fairness and justice in the way these bureaus, EQUIFAX and XXXX  are interpreting and reporting on my credit status.
Complaint sub-issue: Debt is not yours

This company has been unable to verify this debt. The debt was removed off of my credit report but is now showing fraudulently on my Equifax credit report. I have no knowledge of this account and want this debt removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic
Complaint sub-issue: Information belongs to someone else

I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and Equifax have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. Equifax had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.
Complaint sub-issue: Trouble with how payments are being handled

One component of the PSLF program that I and several of my colleagues are impacted by concerns the issue of being in paid ahead status ( i.e., I paid too much on my student loans - I think I paid a little too much a couple months and didnt realize it mattered since I was being responsible ). I will keep this short - Basically, I didnt know that I was in paid ahead status when I started working for a qualified employer and had my loans transferred to the bank that is servicing the PSLF program. So, although I was working for a qualified employer, my loans were consolidated under a qualified repayment program, and I was paying what I was being billed, 9 months of my payments didnt count towards the 120 qualified payments for PSSLF because I was in paid ahead status and didnt know. Its sad that you can do everything right, but get XXXX because you were too responsible.
Complaint sub-issue: Reporting company used your report improperly

My personal information was leaked by Equifax which puts me at great risk of identity theft.
Complaint sub-issue: Investigation took more than 30 days

All the information is in the documents, please take the time to read
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the following accounts because believe they were reporting in error. 

XXXX XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$660.00}
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I wrote to all 3 Credit Bureau 's stating : I am writing to challenge the reporting and compliance on two accounts with SLC STUDENT LOAN TRU that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect balance. 

It is listed as a closed, charge off account on XXXX   and XXXX as of XX/XX/XXXX. 

The account number is also inaccurate and incomplete, an incorrect account balance listed, payment status is incorrect, incorrect account status, and incorrect date updated. 
I challenge the accuracy, compliance and reportability of this listing. 
They failed to provide me with validation of this account within 30 days per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). They are violating the Fair Credit Reporting Act.

The only Bureau 's who deleted the accounts was XXXX, but the accounts remain on my XXXX  and XXXX reports.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Dear consumer affairs, regarding the cash app account routing number XXXX account number XXXX XXXX. Prepaid card number XXXX XXXX my name is XXXX XXXX the account card name is integrity first phone number XXXX email address is XXXX XXXX. transaction date XX/XX/2022 the amount is {$350.00} Merchants name is XXXX XXXX XXXX I'm having serious problem with the cash app company refunding and returning back my funds On XX/XX/XXXX a charge try to come through from the XXXX XXXX for {$62.00} it was declined because my card was blocked.. on that same day which is XX/XX/2022 another charge came through XXXX for the XXXX XXXX XXXX that charge was accepted but the card was locked. 

On XX/XX/XXXX another charge from the XXXX tried to come through for {$10.00} that was declined because the card was locked on that same day XX/XX/XXXX another charge was trying to come through as well for {$200.00} from a XXXX that charge was declined as well because the card was blocked. 

. On XX/XX/XXXX I received a text stating that the {$170.00} charge on the XXXX was changed from XXXX to {$350.00}. Causing my balance to go negative because the funds were not available. 

On XX/XX/XXXX I closed the card down. 

On XX/XX/XXXX you can see that I registered my cash app account on another device because the device that I had was stolen or lost not sure. 

I have reported this to the police I have made a police report regarding this here I've been disputing this with the cash app customer service since these charges occurred and the results have been Negative they have not tried to help me in no way shape or fashion or form. 

This charger is not my charge it is a federal law and regulations that unauthorized charges card holders are not responsible for and I'm being held responsible for a charge is not authorized. 

By the cash app company holding my funds it as cause my other accounts and other bills to become negative IThis as caused cause me to have to pay fines fees as well. 
Included in this too is a police report regarding this transaction
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day ( XX/XX/20201 ), I have not received a response yet and it has been well over 60 days. I feel like my disputes are getting ignored and I'm being taken advantage of. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been 60 plus days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress this has caused me.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern b

y 15 USC 1681 and they have voilated my rights numerous times. I demand the accounts listed below removed. According to 15 USC 1681 : I have rhe right to privacy and I didn't give equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XXXXXXXX XXXX an erroneous collection appeared on my Equifax credit report. After an investigation, this account was deleted. It was written that this account be deleted permanently. XXXX of XXXX, I was mailed a letter from Equifax stating that the account has been deleted. On or about XXXX of XXXX, I received notification from my credit monitoring service that This collection account, XXXX XXXX, was added to my Equifax report again. FCRA 611 ( a ) ( 5 ) ( b ) states only after the initial investigation, on the 31st day can a debt be reinserted to a credit file. Even in these cases, the Reporting agency ; in this case Equifax, must notify the consumer in writing at the minimum five days prior to the reinsertion. This did NOT happen. Equifax continues to violate FCRA laws, as if they aren't governed by these laws. Equifax, also placed a fraud alert on my account without my request, as a response to my inquiry on why they have violated the fair credit reporting act, and allowed this debt to be re-aged and reinserted.ILLEGALLY. According to FCRA section 609 ( a ) ( 1 ) Please  provide my entire consumer history on this account, as I prepare to file a suit, as you are in direct violation, and it is proven. In the interim, please RE-delete this collection, XXXX XXXX, as you have not done your due diligence, to ensure that I am properly protected under the FCRA, and to the standards that are in place for your agency as one of the major reporting bureaus
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Below you will find the list of institutions that got a copy of my credit report in the past I have had no luck removing them with previous methods so this is my final resort. Please delete these inquires off my credit report. 

XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XXXX XXXX, XXXX, XXXX inquiry dated XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX BANK inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  XXXX inquiry date XX/XX/XXXX, XXXX  XXXX inquiry date XX/XX/XXXX, XXXX OF XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I have consistently tried to remove incorrect information from my credit report, by disputing with Equifax, XXXX and XXXX. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are XXXX XXXX XXXX and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to XXXX
Complaint sub-issue: Account terms

This company with no name or information or address is reporting on my credit, and it is affecting it really bad. There is no way of communication and is reporting as N/A.
Complaint sub-issue: Debt is not yours

In XXXX I submitted a dispute online to the credit bureaus to dispute a claim from XXXX XXXX XXXX. The collections company is XXXX XXXX XXXX. They have constantly called me and as I checked my credit report I noticed the dispute was never answered. So I contacted them on XX/XX/XXXX and verbally disputed the claim. I received a letter in the mail from them dated XXXX XXXX, XXXX that they were needing additional information from the company and needed additional time to contact me of the results. On XX/XX/XXXX I contacted Warfield to inquire if they had heard from the company. The told me they had not received a response. I asked how long before they waited until they considered my case founded. The company claimed I owed them money for damages to an apartment that I gave early termination notice of the lease, but paid the lease in full for the month prior to vacating, AND I did a walkthrough video of the condition of full apartment. Since I paid the rent in full for the month I still had possession of the keys. When I went back the appliances had been removed from the apartment. I questioned the management and they said they needed for another apartment. I later received a bill in the mail for damages, which I disputed then and now. I still have the still pictures and the video of when I vacated the apartment. To date they have been noncompliant with trying to resolve this matter in removing this false and negative collection from my report. The confirmation # Hunter Warfield gave me is:XXXX
Complaint sub-issue: Account status incorrect

First Tennessee Bank reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off First Tennessee refuse to recognize their mistake.
Complaint sub-issue: Information belongs to someone else

I have credit card charges I didnt make and could have not made i was incarcerated at the times of the credit cards usage this is public information u can look my name up and see I was incarcerated I did not make none of those charges
Complaint sub-issue: Problem using a debit or ATM card

I lost my debit card XX/XX/21 and 16 transactions were withdrawn from my account within two days until Citibank finally froze the account and sent me an email XX/XX/21. I called as soon as I saw the email. {$2400.00} total. They say my pin was used and don't want to pay me back. Then they keep asking me for different things to do which take several weeks each like calling the police, getting a police report, calling different numbers, faxing the report, etc. It has been 3 months and still no results when doing everything they have asked me for.
Complaint sub-issue: Account status incorrect

In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!
Complaint sub-issue: Information is missing that should be on the report

Greetings. 

I sent a disputes letters to the credit bureaus sunch as XXXX, Equifaax and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 US 1681. 
XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.15 U.S.C . 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem getting your free annual credit report

I requested my report on XX/XX/2020 via email and mail. I never received the report. I again asked for to be sent to me on XX/XX/2020 and still have not received ANY communication from LexisNexis. They are violating my rights to my free report. I attached the emails I had sent to the address they have published on their website to request your report.