Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I received a phone call a few weeks ago concerning a debt owed to XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX. I am not familiar with nor have O ever heard of either one of these entities. I asked the representative to send me something in writing. The correspondence that I received states that I owe {$4900.00}. I have no knowledge of this debt and have never heard of XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX. 
There is a further reference about a Jefferson Capital Systems, I don't know of them either.
Complaint sub-issue: Don't agree with the fees charged

I currently am a co-signer with two loans from Sallie Mae, i do not believe that the interest and fees is calculating correctly considering the fact that these have been paid on time for the last four years with little movement among the loan.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Over the past year - I have asked for a detail/itemized statement - which they have yet to produce.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly collections for medical expenses on the following accounts : XXXX XXXX in the amount of {$4500.00} account number XXXX ; N/A in the amount of {$1600.00} account number XXXX ; XXXX XXXX in the amount of {$700.00} account number XXXX ; CREDITORS in the amount of {$340.00} account number XXXX ; XXXX XXXX XXXX in the amount of {$290.00} account number XXXX ; and N/A in the amount of {$140.00} account number XXXX. ( Please see page attached from my credit report. ) I had health insurance coverage and therefore there should be no outstanding balances due. ( I have attached a copy of my insurance card. ) This false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I recently check my credit report and found an account in collections that has severely damaged my credit score. I dont own this account nor have any knowledge of this account. According to the FCRA I have the right to dispute and account thats not accurate or that dont belong to me. I tried to dispute this account but the only thing I got back was verified. I didnt receive any paperwork stating that this was my account or any prof that this was my account. I want this matter investigated and deleted from my credit profile.
Complaint sub-issue: Personal information incorrect

I'M HAVING A HARD TIME GETTING MY CURRENT ADDRESS PLACED ON MY CREDIT REPORT FROM THE CREDIT BUREAUS.
Complaint sub-issue: Investigation took more than 30 days

I have reached out to Equifax, XXXX and XXXX. I have also reached out to creditors that have assumed the debt and have had no help getting my credit report to display the accurate information. There are names, addresses and open/ closed accounts that are being report inaccurately across all three agencies. I have reached out to each one, requesting validations and original information about alleged accounts, and none have acted in correcting this error. Equifax : is reporting addresses that the other two agencies are not. Incorrect Addresses : 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 XXXXXXXX There are Inconsistencies amongst all three reports with different reporting 's for closed and charged off accounts that have not been validated or provided with the original purchasing agreement. Accounts have been listed below : 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 ; Amount Reported {$540.00} All of these inconsistencies are not only a violation to my METRO 2 protocol rights, but the inaccurate reporting of these accounts have violated my listed USC codes. Section 604 15 U.S. Code 1681b Section 605A 15 U.S. Code 1681c1 Section 605B 15 U.S. Code 1681c2 Along with other violations of Fair Debt Reporting Practices : 15 U.S.C. 1692-1692p 15 U.S.C. 1681-1681x
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Alltran Financial, based in XXXX/XXXX, TX continues to call me and my minor child on her telephone number ( listed in complaint ) as well as on my number XXXX. The numbers the individual calls from are XXXX, XXXX, and XXXX. I believe her name is XXXX XXXX? It 's hard to discern. Regardless, I have spoken with her and she refuses to provide any information about why she is calling unless I will provide personal information, such as the last 4 of my social security number. Given that I am not aware of any outstanding debts and also because I am a recent victim of identity theft ( in process of reporting and trying to sort through it all ), I am not about to provide anyone with anything. I have no way of knowing if this is a legitimate company or a legitimate attempt to collect a debt, especially because I should not have any. I have been working with XXXX and the credit card companies the identity thief took accounts out with, so I should have no outstanding issues. I have received no written communications from this company. I have received at LEAST two calls a day from this company for several weeks and my daughter receives at least one call a day. I let the individual know that she MUST stop contacting my daughter but she refused to allow me to speak, simply repeating over and over that I must give her my information. This is unacceptable and I respectfully request your help in resolving this matter.
Complaint sub-issue: Used obscene/profane/abusive language

I have been receiving several phone calls for several months from an XXXX XXXX regarding a Spotloan from the internet. He calls from different phone numbers but the latest phone number he called me from was XXXX. He is leaving very deragatory messages. He keeps calling my husband at work and on his work phone and has been told to stop. He has cussed at my husband on the phone, he has cussed at me also. He has left messages lying saying to call back regarding our property, and that he will find us. What does our property have to do with the loan? He has directly asked my husband " who wears the pants in the family '' and saying that my husband needs to force me to give him the money for this loan. He has also said that I need to look in the mirror and see that I am the problem as to why we are drowning in debt. He told my husband that I am fraudulent person and will be going to jail if he does n't pay my debt. This XXXX XXXX is a horrible person and needs to stop harassing us. He calls at all times of the day and night. Please make him stop!
Complaint sub-issue: Information belongs to someone else

First Name : XXXX Middle Name : XXXX Last Name : XXXX DOB : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX City : XXXX State : TX Zip : XXXX Additional exposed information was found Offense Description : XXXX XXXX >= {$500.00} < {$1500.00}
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX is reporting my XXXX XXXX late XX/XX/XXXX both in XXXX  and XXXX. It shows late XX/XX/XXXX in Equifax. 

This was actually an error by a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed my credit report and noticed my credit was pulled by Rise. I never used this company for any services or applied for a loan with this company.
Complaint sub-issue: Deposits or withdrawals

I open up four cds account with US bank for over $ 30k over ten years.i didnt close my account or withdrawn the balance.i just left my funds in the bank and didnt made too much contact thinking my funds is safe.i just discover the bank have no record of my account and they didnt sent my funds to unclaimed property.i currently still have a saving account with them and on my profile they have no trace my account even exists, my last 1099 I received was in XX/XX/2010and I moved XX/XX/2010, the bank is saying maybe I closed my account and its my fault because I should have been checking my account and they dont have to anything since my account is over 7 years old
Complaint sub-issue: Information is not mine

Equifax is giving false and inaccurate reports on me. I have continuously made complaints with proof to Equifax false reports that are causing me Financial harm and creditability. They are taking another person with a similar name to mine and applying it to my social security in part. They have me living as my current address at XXXX XXXX XXXX , XXXX, XXXX. I sold that home in 2006 and have lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. They also show my residences during that period XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc ... all false. I am a Veteran and use the VA medical facilities in XXXX XXXX for my follow up from my XXXX. I had an emergency and was admitted to XXXX XXXX in XXXX XXXX. The hospital was specifically instructed to send all bills to the VA for payment. The hospital ignored my request and went to Medicare without my permission. So did the other medical bills as instructed by XXXX XXXX.The Hospital received payment from Medicare but not the others for payment. If they went to the VA, all would have been paid in full as I instructed. XXXX Government agencies will not pay in part for the same procedures. I physically went to the Hospital to complain and was ignored about refunding the amount they received from Medicare so everyone including them would receive full payment. These charges to Medicare were unauthorized and in part returned which I am being hounded for. I complained to Medicare to no avail and can not be responsible for these unlawful charges made by XXXX XXXX and vendors.
Complaint sub-issue: Information belongs to someone else

I am writing to you because I am a victim of Identity Theft. I found items that is not supposed to be in my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXXl XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX The inquiries listed above were obtained without my knowledge or consent. I am requesting XXXX remove them from my credit report immediately. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX
Complaint sub-issue: Debt was result of identity theft

Discover continues to report a debt on my credit report that I did not initiate. I have already submitted a FTC fraud affidavit and police report, but they refuse to take this off of my credit report.
Complaint sub-issue: Trouble with how payments are being handled

Requested a refund for payments made during forbearance period in order to prepare for the upcoming loan forgiveness program. I fully understand that they are probably inundated with requests but it's been very hard to plan with the very vague timeline that they provided ; I'm hoping that submitting a complaint will help to expedite the process.
Complaint sub-issue: Information belongs to someone else

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

I contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.
Complaint sub-issue: Information belongs to someone else

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please delete these accounts asap. Thank you
Complaint sub-issue: Information belongs to someone else

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where the Credit Bureaus received such information, so I may take appropriate legal action. I have read enough regarding the FCRA section 605b and understood that the Credit Bureaus are required to remove the disputed items from my Credit File after 4 business days from the date of receipt. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX -- - DELETE THE LATE PAYMENT ONLY XXXX XXXX -- -- DELETE THIS ACCOUNT! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Equifax has yet to explain complaint # XXXX response to a fraud application that shows on XX/XX/18 XXXX XXXX XXXX in which on the application is not my date of birth as social security number as not my drivers lic number. There is clear fraud committed by XXXX XXXX XXXX XXXX> I'm also filing with the US Attorney office with the document by XXXX XXXX XXXX XXXX fraud commited as well as to Equifax not removing the information and have inform my attorney to file a law suit regarding the fraud committed by XXXX XXXX XXXX in regards to the application not been removed.
Complaint sub-issue: Trouble with how payments are being handled

I have been with FedLoan and pursuing Public Student Loan Forgiveness since 2017. I am fully eligible to have waiver payments added to my count and there has been absolutely no movement in my account. There are people who just recently consolidated to FedLoan and are already seeing updated counts and forgiveness. That is asinine when I have had the correct loan type for 5 years. I submitted another PSLF form two weeks ago to possibly trigger some type of actual review of my account but it seems itll be several more months despite new customers being automatically forgiven. I expect an updated waiver applicable count in order to make immediate financial and tax filing decisions especially in light of my adherence to all PSLF program rules for many years.
Complaint sub-issue: Account status incorrect

According to the terms of the loan, the loan should show a status of forgiven ( or closed ) on my credit report. XXXX Bank has incorrectly reported the loan as a charge-off.
Complaint sub-issue: Information belongs to someone else

I was advised that you all can help me with items on my credit that are not mine. I have tried all I know to handle this and this is my last result. I contacted the FTC and my local police department regarding these items : XXXX XXXX ( XXXX  and XXXX ), XXXX XXXX ( Equifex, XXXX  and XXXX   ), XXXX ( XXXX  and XXXX  ), XXXX XXXX ( Equifex, XXXX and XXXX  ), XXXX ( XXXX  and XXXX  ), XXXX XXXX  ( XXXX, Equifax and XXXX ), XXXX ( Equifex, XXXX and XXXX ), XXXX XXXX XXXX ( XXXX, Equifax and XXXX ), XXXX ( XXXX  and XXXX  ), Bankruptcy : Voluntary CH-XXXX ( Equifex, XXXX and XXXX  ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX ending in # XXXX, has violated my rights. 

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 my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I CONTACTED EQUIFAX TODAY XX/XX/XXXX, AND DISPUTED INACCURATE INFORMATION ON MY CREDIT REPORT RECEIVED USING XXXX UNDER EQUIFAX REPORT, THAT SHOWED MY XXXX CARD AND XXXX  CARD WHICH ARE CURRENT ACCOUNTS, AS CHARGED OFF ; WITH INCORRECT BALANCES ; INCORRECT MONTHLY PAYMENTS ; INCORRECT DATES OPENED AND UNDER THE COMMENT SECTION SHOWING A STATEMENT OF CHARGED OFF IN XXXX. 
WHEN IN FACT THE ACCOUNTS ARE OPEN AND CURRENT, PAYING AS AGREED. EQUIFAX STATED THAT THE INFORMATION I RECEIVED IS NOT SHOWING ON THEIR END AND THAT I CAN NOT DISPUTE THAT INACCURATE INFORMATION. I REQUESTED TO DISPUTE THE HARD INQUIRIES LISTED ON MY REPORT FROM XXXX AND WAS REFUSED BY EQUIFAX TO DO SO. I INDICATED THAT I DID NOT AUTHORIZE THE COMPANIES ACCESS TO MY CREDIT REPORT HOWEVER EQUIFAX DENIED ME THE RIGHT TO DISPUTE IT WHEN I HAVE THAT RIGHT. AND EQUIFAX REFUSED TO INDICATE WHERE ON MY CREDIT REPORT UNDER MY RIGHTS IS IT LISTED THAT I DO NOT HAVE THE RIGHT TO DISPUTE THE HARD INQUIRIES. I AM REQUESTING ALL INACCURATE INFORMATION ON MY REPORT BE INVESTIGATED AND THE HARD INQUIRIES REMOVED DUE TO FRAUD, AS I DID NOT AUTHORIZE SUCH INQUIRES AND THE INQUIRIES ARE LISTED AS FOLLOWS : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX MI
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX XXXX : {$10000.00} ; XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; CPS XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests for ENHANCED RECOVERY COMPAN, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Didn't receive enough information to verify debt

in XXXX of XXXX I went to the local post office where I have a XXXX XXXX , to see if my tax refund was there. it was not in my box. The postal worker saw me and handed me mail that was addressed to General mail. It was from XXXX tax board intercept dept. I opened it and it said {$440.00}. was taken for a debt collection agency, XXXX XXXX XXXX. 
I called the number to ask what was going on and mentioned the fact that I did not have info that I owed this and told them I have not lived in XXXX since XXXX. 
The agent was rude and would not provide her last name or employee id number. I asked to speak to a supervisor and she said she was the supervisor. 
I mentioned ID theft issues I have and asked about any Statute of limitations that apply to old debts. 15 years pass and I had no notices of owing XXXX XXXX XXXX and it was not in my XXXX credit report. I told her I needed my refund due to a work injury in XXXX that I was not receiving XXXX for. She did not care. I contacted the court to get more details of this alleged debt and was not given any clear info. in XXXX of XXXX I received 4 notices from the collection agency but it had a address based in XXXX MA, about this alleged debt. They gave 4 different account numbers and debt amounts and failed to mention what they took from the tax refund intercept.