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

Omni Loans is reporting inaccurate information to all 3 credit bureaus. They have been unable to verify the debt and that it belongs to me. They even have sold the debt to another debt collection company. This debt does not belong to me and needs to be removed off my credit report.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX.Recently, I found out that I was a victim of Identity theft after receiving an attempt to collect a debt from Discover bank. I believe that I have never had any outstanding debt with Discover and I have never received any type of communication regarding this fraudulent account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

MY XXXX  CREDIT REPORT SHOWS 3 hard inquiries from CBNA this company Has no information on me, they had me contact XXXX  XXXX  they have nothing on me they had me reach out to Citi bank and they have no information on me so XXXX  if reporting hard inquiries with no way possible to reach out to that company and XXXX  well not help and keeps saying the inquiries are correct according to the law 609 they  must furnish any and all information there holding on me and there have failed to do so XXXX  and who ever this cbna company is
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now
Complaint sub-issue: Reporting company used your report improperly

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXX Bank ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice
Complaint sub-issue: Old information reappears or never goes away

XXXX is a collection agency used by XXXX, after multiple attempts to correct this problem with both companies it still appears on all of the Credit Bureaus as an account opened in XX/XX/XXXX when this account was closed in XX/XX/XXXX. This is a re-aged debt which is illegal under the FRCA.
Complaint sub-issue: Trouble with how payments are handled

I applied to pay my loans through XXXX. During the application period I had XXXX payment to make, but was advised by the FedLoan Servicing not to make this payment because I would be placed on administrative forbearance while my application was being processed. However, FedLoan later decided, without notifying me, that I was not eligible for administrative forbearance, which let my account slip into past due. I noticed this on my own, again receiving no notice from FedLoan, and called FedLoan to figure out why the account was now past due. A FedLoan employee advised that the paper work for my administrative forbearance was not correct and that he would re-do the paper work so that administrative forbearance would be applied and my loans would not be past due. Again, this never happened and I was not notified until my account was now 90 days past due. FedLoan reported the 90 day delinquency to the credit bureaus and my credit score drop from XXXX to XXXX. Shortly thereafter, my XXXX application finished processing and the previous payment that I owed ( and was falsely delinquent ) was removed from my balance. I never had to pay it, once the XXXX application processed. However, the damage was already done as FedLoan falsely reported that I was 90 days delinquent and my credit score has gone from Good to Bad.
Complaint sub-issue: Reporting company used your report improperly

Remove this Fraudulent account ( XXXX XXXX ) immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed with the attorney generals office. 

1. remove the XXXX XXXX account as this was previously investigated and removed. If you Equifax determined this account to be fraudulently added to my report why is it now back on the report. This is a violation and illegal attempt to cause harm. I demand monetary compensation of {$1000.00} for each violation. 

Equifax has neglected to respond within a timely manner to provide verification on this account. Please remove this XXXX XXXX XXXX ( fraud ) account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed.
Complaint sub-issue: Trouble with how payments are being handled

Despite the fact that the CARES Act required that all student loans would be in forebearance and no payments would be required between XX/XX/2020, and XXXX XXXX, 2020, PHEAA/FedLoans autodebited a payment of {$870.00} from my student loan account on XX/XX/2020. I have written in twice requesting a refund ( once in early XXXX, and one on XX/XX/2020 ) and have not heard back on either occasion.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I have an unknown derogatory mark on my cerdit report .... I am unaware of this debit .... I have not done business with this company .... I have not received any letters .... this company has shown has a collector for XX/XX/XXXX .... I have not been notified! I have not done business with this company
Complaint sub-issue: Account information incorrect

XXXX I noticed an unusual drop of about 50 points on equifax and XXXX. Today on XX/XX/2021 I noticed it dropped again. I believe these recurring errors are due to the algorithymns written with software bugs. When I take an unusually high balance out on my XXXX cards the sytem automatically drops my credit before the billing cycle is completed, instead of waiting to see what my payment is. I always XXXX  out the balances. 
My XXXX cards showed balances adding up to over XXXX but they were both XXXX  out before the scheduled payment date. I have not missed a single mortgage payment on my home that I own for over 4 years. My car lease is always paid on time.
Complaint sub-issue: Reporting company used your report improperly

Loancare the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then Loancare received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with Loancare $ XXXX nor XXXX XXXX. Loancare removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX, which never arrived. A customer service rep requested for a stop payment in XXXX. I received the escrow payment refund from Loancare a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now Loancare has used my credit report unlawfully by adding that I owe Loancare $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at Loancare for complaining for rationalizing the error that occurred that should of never happened. See the copy of my XXXX  credit report. Loancare  is retaliating against me for making so many complaints which I will address outside of the CFPB.
Complaint sub-issue: Debt is not mine

I did n't owe the debt this company tries to collect. I do n't even remember I was with the service provider and If I was using their service, I always paid in full any balance that I owe.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX 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: Billing problem

From XX/XX/2018, my account balance with Veros Credit was  {$8000.00}. From XX/XX/2018, my account balance with Veros Credit was {$7300.00}. This information reflects that I have only made a total of {$650.00} worth of payments since XX/XX/2018. Late fees from Veros Credit total {$20.00} and my current interest rate with the company is at 20.99 %. 

I have documentation showing that since XX/XX/2018 I have actually made a total of {$2500.00} worth of payments to Verso Credit. It would actually be impossible for me to keep my car if I only made {$650.00} worth of payments to the company. They would have surely repossessed it by now. 

When I asked the company if I could have a better explanation of where my money was going towards, the company was very hesitant and treated me as though I was just trying to get out of paying my bill instead of me trying to understand what was going on. They emailed me a spreadsheet that confused me even more, and that only further made me wonder if they're accounting is efficient and whether my bills are up to date or accurate. 

I am fearful that I have been overpaying Veros Credit and that they do not know how much I actually owe. I am probably not the only one and if they can not bill people correctly or explain billing inquiries to their  customers, than they should not be in business. 

( I also have recordings of the customer service agents that I spoke with who were reluctant to explain my billing questions. )
Complaint sub-issue: Debt is not yours

Upon checking my credit report, I noticed accounts that were not mine.
Complaint sub-issue: Information belongs to someone else

ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. 

XXXX ( Miscellaneous ) 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
Complaint sub-issue: Information belongs to someone else

EQUIFAX, XXXX XXXX, I RECEIVED A LETTER STATING THAT I WAS A VICTIM OF YOUR CREDIT BREECH. ( EQUIFAX, XXXX ) I HAVE BEEN DISPUTING ACCOUNTS OPENED IN MY NAME THAT IS FRAUDULENT AS WELL AS FRAUDULENT INQURIES. AS OF THIS DAY NONE OF THE ACCOUNTS HAVE BEEN REMOVED NOR THE INQUIRIES. ACCORDING TO THE FCRA ACT, 15 U.S.C.1681 SECTION 609A1 A YOU ARE REQURED BY LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICTION OF THE ORIGINALSIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS YOU POST TO A CREDIT REPORT. I SENT A SIGNED AFFIDAVIT IN XX/XX/2019. INDICATING THAT THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE SINCE WAITED ON THE SUPPORTING DOCUMENTS ( SIGNED CONTRACT ) BY ME. I AM ASKING AGAIN BEFORE I CONTACT THE FCRA TO PLEASE REMOVE ALL UNVERIFIED ACCOUNTS FROM ALL 3 CREDIT BUREAUS .IF NOT YOU ARE IN VIOLATION OF 15U.S.C.1681YOU ARE REQUIRED UNDER FEDERAL LAW TO HAVE A COPY OF THE ORIGINAL CREDITORSDOCUMENTATION ON FILE. THIS IS MY SECOND REQUEST TO REMOVE THESE UNVERFIED ACCOUNTS BEFORE I FILE A COMPLAINT WITH THE FCRA. OR PROVIDE ME PROOF WITH MY SIGNATURE AUTHORIZING THESE ACCOUTS ALL OF THESE ACCOUNTS WERE OPENED FRAUDULENT AND ONLINE. 

XXXX XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Complaint sub-issue: Transaction was not authorized

I was charged on for the purchase of male enhancement vitamins and other products. 
I contacted my bank and they refunded the funds but also initiated a dispute. The " other '' company, sent several pages over to Bank of the West which had all of my personal and bank information. They did not have my XXXX #. They confirmed that I did order the products so the bank deducted the funds again I was out of town when this purchase was made so if items were shipped, I wouldn't have been home to retrieve and I never received any type of notification about the purchase. I did not request said items. I went ahead and filed a complaint with State of Florida XXXX. They investigated as well. The company was hard to track as they didn't have a website, email address or phone #. The physical address was for a warehouse in Florida. This is the response from XXXX : " Complaint ID # : XXXX Business Name : Full Stack XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  has made several attempts to contact the business regarding the above referenced complaint. We regret to inform you that we have not receive a response. 

The deductions were as follows : XX/XX/2XXXX XXXXXXXX company - XXXX XXXX XXXX FL on XXXX XX/XX/21 {$89000.00} company - GetJAVIProductscom Tel XXXX FL XXXX These amounts were withdrawn using my debit ending # XXXX. I have since replaced this card. This was a scam. I have never used any of these companies for purchases and I would never buy from a company that doesn't have a website, email or phone #. 
Thank you for your time and hope this can be resolved and my I can get a refunds.
Complaint sub-issue: Investigation took more than 30 days

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Complaint sub-issue: Information belongs to someone else

SOMEONE OPEN FRAUDULENT ACCOUNTS USING MY NAME AND SOCIAL SECURITY NUMBER XXXX DID NOT APPROVE OR GIVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2019, 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 XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft company or organization XXXX  card account number XXXX date that I discovered it XX/XX/2019
Complaint sub-issue: Account status incorrect

XXXX  a servicer for us department of education, completely screwed up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiry, XXXX  up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX XXXX i intend to sue XXXX for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF XXXX
Complaint sub-issue: Debt was paid

I had a forgotten urgent care ( XXXX XXXX  ) account fall into the hands of Receivables Management Systems ( RMS ) in XXXX, VA. Since RMS was only contracted to collect on the debt, I reached out to the original creditor to pay the balance in XXXX of XXXX. XXXX XXXX at XXXX XXXX confirmed that they would reach out to RMS and have them delete the item ( as a pay for delete ) from my credit report, which they did shortly after, until last month.

RMS elected to add the item back to my credit report as an OPEN account ( despite being paid in full ) in XXXX of XXXX. Despite reaching out to RMS through multiple avenues, they refuse to remove the item as promised by XXXX at XXXX XXXX. This coincidentally aligns with my attempts at securing a home loan to purchase my first property. It seems like very weird timing for them to suddenly decide to add a paid collection back to my report despite removing it a year prior.Any assistance by the teams at CFPB would be greatly appreciated. Thank you in advance.
Complaint sub-issue: Debt was paid

THE COMPANY ACIMA XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY, AND I, HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. ON XX/XX/XXXX MY ALL CAPS NAME ENTERED INTO A CONSUMER CREDIT CONTRACT UNDER 16 CFR 433.1 ( i ) WITH XXXX XXXX XXXX XXXX, WHO IS THE SELLER DEFINED UNDER 16 CFR 433.1 ( j ) NOT, THE NATURAL PERSON. I USED MY CREDIT CARDS AS DEFINED UNDER 15 USC 1602 ( l ), AND UNDER 16 CFR 433.2 PER MY SIGNED CONTRACT AS THE DEBTOR I AM NOW ASSERTING MY RIGHTS THAT THE CONTRACT IS FRAUD BECAUSE IT WAS PAID WITH THE INSTRUMENTS LISTED ABOVE. ANY ATTEMPTS TO COLLECT A DEBT THAT HAS ALREADY BEEN PAID IS A VIOLATION OF 18 USC 8 BECAUSE OBLIGATIONS ARE OF THE UNITED STATES. ACIMA XXXX XXXX XXXX, IS NOW THREATNING ME WITH AN ALLEGED DEBT THAT THEY CLAIM I OWE, WHICH IS FALSE, UNFAIR, AND DECEPTIVE UNDER 16 CFR 433.2. THIS ORGANIZATION IS IN VIOLATION OF 15 USC 1681b ( a ) ( 2 ) THEY DID NOT AND DO NOT HAVE PERMISSABLE PURPOSE TO INFRINGE UPON MY RIGHT TO PRIVACY TO FURNISH A CONSUMER REPORT CLAIMING THAT I OWE AN ALLEGED DEBT THAT I DO NOT OWE UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), AND CAUSING DAMAGES, AND INJURIES TO MY NAME, REPUTATION, AND CHARACTER AS A NATURAL PERSON. The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/XXXX Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress, in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681a ( d ) ( 3 ) ( 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.