Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2018 I contacted by certified mail XXXX and their hired collection agency EOS CCA and asked them to produce validation of said debt. They did not respond even though the certification was delivered on XX/XX/2018 and signed by a party from their company. They are stating that the debt owed is {$1500.00} in which i asked them to give a break down of equipment versus usage charges in which they refuse to disclose. All equipment was returned to their XXXX Site and they hand delivered and emailed that the equipment was received. I than asked for validation information pertaining to said charges that are " still due '' but they refuse to disclose and/or produce documentation. They have resold the account to XXXX  XXXX  who has also refused to disclose requested information about any updated information and their validation of this said debt of {$1500.00}. I have called XXXX on several occasions but to no avail they leave me on hold for hours without addressing any issues.
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Complaint sub-issue: Personal information incorrect

The list of inquirY in my report was inaccurate. I emailed it to credit bureau, requesting that investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inquiry listed below. XXXX XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I recently requested a monitoring service and noticed several accounts I did not open. XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. Please help.
Complaint sub-issue: Problem getting your free annual credit report

after my 2nd and 4xs multiple attempts this afternoon to contact equinox and get my annual report, the online portal doesn't work, I was verified by 2 people who offered me final report by mail. no one in 6 people today could tell me who or why the online system wasn't working. I mentioned that, I was seeing that equifax had many online products and services, yet they were not adhering to making the annual credit report available as required by law. The agents asked questions like '' what was the month and year you last received a credit report???? how would anyone remember??? I was asked the payment, balance and monthly payment for 4 accounts and then 3 or 4 more questions ... .Equifax is absolutely stonewalling consumers out of their annual credit reports. PLEASE let me help you sue them!!!!
Complaint sub-issue: Information belongs to someone else

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

Signed up for an online medical course in XX/XX/2013. I was not able to complete the course I notified the loan company and school who would not cancel the loan disputed numerous times still keeps popping up on credit report. I am not responsible for the debt as I did not complete the course.
Complaint sub-issue: Reporting company used your report improperly

Equifax has received my cease and desist letter on XX/XX/2021. I demanded that Equifax deletes any negative reports collections charge-offs or late payments from my report. I advised Equifax that they are continuing to violate my consumer rights. Pursuit to 15 USC 1681b a credit reporter can not furnish a credit report without written consent from a consumer. I have not given Equifax permission to report any of my information. Pursuant to 15 USC 1692 B2 it is also illegal for a credit reporting agency to state that a consumer owes a debt. Equifax has also received a affidavit of truth demanding that they pay {$1000.00} for each time they have violated my consumer rights. So far Equifax has only removed unauthorized inquiries. I am demanding that Equifax responds to my cease-and-desist letter and also my affidavit of truth deletes all negative information on my report collections charge-offs late payments and also pays {$1000.00} for each violation. Denying me of my consumer rights is against the law.
Complaint sub-issue: Other problem

On XX/XX/XXXX I received a text message regarding a refund. I immediately called customer services to inquire if this was a legitimate text. It should be noted no information regarding this refund was available for me to review in my on-line profile. Also, I have long maintained that I do not want to receive any items via the mail as I don't believe I my mail is correctly delivered. This has been my known preference on this account for several years. After several back and forth transfers between the security team and the customer service team, I was told this was a legitimate text and I should receive a letter along with a check in the next 4-6 weeks. The customer service rep was unable to provide me any information on the amount of the check or any details regarding the time table. I then looked up the information through the media and discovered the refund was in regards to Reg Z violations. I waited the appointed time and still received nothing in the mail. In early XX/XX/XXXX, I again called the service team who told me they put in a request in to have the check reissued and I should wait an addition 15 days. I called back in late XXXX and was told they could direct deposit the funds into my account. They finally informed me the amount of the refund at this point. They explained I should wait 3-5 business days. On the fifth business day, I received a letter in the mail that stated " Please be informed that we are unable to assist you with an Annual Percentage Rate ( APR ) refund check. '' It should be noted that the letter did not contain the appropriate tracking number needed by XXXX, their third party provider. I again called customer service and this time I was given a number for XXXX. XXXX informed me a letter and check was issued back in XX/XX/XXXX. They could place a stop payment on the original check and I would have to wait an additional 40 days to issue the check. I feel as though Citi purposefully engaged in unfair, deceptive and abusive behavior in regards to this settlement in hopes I would be discouraged. I believe my situation is not unusual and more than likely evidence of a pattern of behavior that was intended to discourage consumers from rightful obtaining their refunds.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$25000.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

I have had an account with XXXX XXXX that started in XX/XX/XXXX. I made a payment onXX/XX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XX/XX/XXXX and that my bank never declined a payment to XXXX XXXX. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
Complaint sub-issue: Reporting company used your report improperly

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 states a consumer reporting agency can not furnish without my written consent 15 usc 1681 investigation ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1681 a. Defintion rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX finance # XXXX
Complaint sub-issue: Having problems with customer service

I paid on my student loans consistently from XXXX. I had to stop due to a family crisis and business failure that eventually led me to file bankruptcy in XXXX, XXXX. The case closed in XXXX of XXXX and the majority of my debt discharged. I immediately had my attorney contact the third party student loan collector on XXXX XXXX, XXXX. Rather than communicate with my legal counsel, they sent a form for my attorney to fill out authorizing them to talk to him. This is despite the fact, he had an authorization attached to the original letter. He sent the " Authorization to Disclose '' provided by ECMC. The authorization was lost. ECMC would not even communicate with my attorney for over a year. They denied getting the " Authorization '' and another was sent on XXXX XXXX, XXXX. Once the authorization was finally acknowledged, my attorney requested a hearing, but the hearing request was ignored. My attorney asked for an accounting and for all the documentation held by ECMC. On XXXX XXXX, XXXX, we received a letter explaining that they did not have any information on my prior payment history and the only information they were able to provide was a copy of the original promissory note from XXXX. I still have not received any accounting for all of the payments I made and the net result is I have student loans that exceed the original amount, even though I paid on them for seven years. In addition, I am being penalized for hiring legal counsel, since much of the recent delay has been by ECMC 's lack of communication with my legal counsel and the denial of his request for a hearing. My tax refund for XXXX was seized by ECMC. Their sole objective seemed to be to add the collection costs of 24.34 % on to my student loans. I have no problem paying my obligations, but I 've unnecessarily been placed in default and collections, when simply working with my attorney after my bankruptcy an appropriate repayment plan could have been reached. Now the defaulted loan is impacting my security clearance.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND A LIST OF FRAUDULENT ITEMS HAVE APPEARED ON MY CREDIT REPORTS PER SECTION 605B ... PLEASE BLOCK AND REMOVE THESE ACCOUNTS IMMEDIATELY! 

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$610.00} XXXX XXXX # XXXX {$200.00} XXXX XXXX # XXXX {$1400.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX  # XXXX {$420.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX # XXXX {$51.00} XXXX XXXX XXXX # XXXX {$65.00} XXXX XXXX XXXX # XXXX {$150.00} XXXX XXXX XXXX  # XXXX {$420.00} XXXXXXXX XXXX XXXX # XXXX {$1400.00} XXXXXXXX XXXX XXXX # XXXX {$200.00} XXXX XXXX XXXX # XXXX {$610.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXX XXXX # XXXX {$140.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : COLLECTIONS # XXXX {$150.00} XXXX  # XXXX {$65.00} XXXX  # XXXX {$51.00} COLLECTIONS # XXXX {$1400.00} XXXX  # XXXX {$200.00} XXXX  # XXXX {$610.00} XXXX  # XXXX {$1300.00} XXXX  # XXXX {$140.00} XXXX  # XXXX {$270.00} XXXX  # XXXX {$420.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that theconsumer identifies as information that resulted from alleged identity theft, not later than 4 businessdays after the date of receipt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report and I had a whole lot of inquiries that I don't recognize I'd like these fraudulent inquiries removed please XXXX XXXX and Equifax please remove the inquiries immediately
Complaint sub-issue: Confusing or missing disclosures

Said my bank made a change to my account in verification. I need a loan and to go through the auto verification and now it is postponed
Complaint sub-issue: Account status incorrect

I received an updated credit report today XX/XX/18 from XXXX  now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with XXXX  correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX XXXX XXXX was to be deleted as well but is still appearing on my report.
Complaint sub-issue: Account information incorrect

It has been extremely difficult getting XXXX to remove an inquiries from my credit report that I did not make. It all started in XXXX XXXX when I got an alert through Equifax regarding " my application for a XXXX  card '' and that the card had been approved. I immediately called XXXX the next day being that when I got the alert it was after business hours ( if I remember correctly ). Anyway when I called XXXX I was pretty XXXX because they asked me for information I was uncomfortable disclosing since I had not applied for their card in order to cancel the approved card. I gave them what they were asking for such as birthday, last 4 digits or whole social security number, first and last name, address and email I think. Anyway I told them aggressively I did not request this card and I did not want it and to cancel it. I told them not to send it. I asked them how did they get my in formation to approve me for a card. Well before that they tried to sell me an identity protection product which really made me mad because I felt that there was some scam going on within the company where either someone was trying to up sales on this identity protection product or getting approved cards in peoples names for some scandalous purpose. Then I asked the question I mentioned before the previous sentence. Anyway they claimed the transaction was made through XXXX Well I had n't applied for credit through XXXX either. So after I got through talking to them and them cancelling the card and told me they would remove the inquiry from my credit I called XXXX. I asked XXXX if they had a record of my applying for credit around this time ( Oh by the way I also notice another XXXX XXXX inquiry on my credit in XXXX XXXX at this time also XXXX. XXXX affirmed they had no record of my applying for credit in XXXX or XXXX of XXXX and I know I did n't because throughout the year I was too busy being my XXXX younger sister 's secondary caretaker. Anyway I said that because I 'm XXXX  that I have to deal with this in the midst of grief. I contacted XXXX in early XXXX about the inquiries again because they were still on there. They assured me they would have them removed both from XXXX and XXXX and had sent me a letter stating they would have them masked. Fast forward I had contacted them again I think around XXXX of XXXX because they were still on the XXXX and Equifax  reports. Equifax it was showing up as XXXX as a XXXX inquiry, and As an XXXX inquiry XXXX on XXXX. I never paid much attention to the XXXX alert because of my sisters illness but by the time the second alert came for the XXXX inquiry she XXXX  XXXX. XXXX was one of the most stressful painful times in my life and I had mentioned that to them on more than one occasion and yet today these inquiries are still on my Equifax and XXXX XXXX reports impacting them negatively of which I DID NOT MAKE, after I was told on more than one occasion they would be removed and sent 2 separate letters months apart telling me they would be masked. Well I did n't get the masking thing either when I did n't authorize them to make the inquiry anyway.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a hard inquiry on my credit report dated XX/XX/2017 from CBNA. I don't know who this is or why it is on my report.
Complaint sub-issue: Problem with customer service

Nelnet who processes my XXXX XXXXXXXX XXXX is lacking in communication. I got a statement notice this morning ( XXXX XXXX ). When I logged on I received a message saying I was late on my payment by 12 days! 
I messaged their customer service and told them I never received an email or paperwork saying the loan was going to start repayment. President Joe Biden extended student loan repayment due dates until XX/XX/2022. 

When I told the customer service representative this they said mine doesnt qualify because its classified as XXXX XXXX XXXX XXXXXXXX, not XXXX XXXX XXXX. 

At no time did I ever Receive any communication from Nelnet that said the previous two years of no required payment due to the pandemic was for XXXX XXXX XXXX only, and not XXXX XXXX XXXX XXXX. 

Had I not looked at that statement today I would have been delinquent on my student loan and they would have tarnished my credit report. 

This can be detrimental not only to me but others carrying a similar XXXX XXXX. This company Needs to communicate this type of information much more affectively. My guess is they didn't notify people because they want to collect late payments etc.