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

THE COMPANY, ProCollect Incorporated 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. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, XXXX 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 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX of this year I mailed a letter to Equifax requesting them to conduct an investigation concerning an entry on my Equifax credit file. The account in dispute was XXXX XXXX XXXX Account # XXXX. The nature of my dispute was that this XXXX account did not belong to me. 

Today, XX/XX/2019 XXXX I called Equifax to ask about my dispute, after a 35 minute phone call, I was told that the investigation did not take place. I asked the Equifax named " XXXX '' why wasnt my dispute processed. He told me he did not know why. I then asked him why didnt I receive any notice or notification of my dispute. He again said he didnt know why. I asked him what was done on my dispute and said my personal information was verified. I said of course, because I am the one who furnished verification of identity and proof of residency etc I also want to complain that Equifax has repeated engaged in systematic retaliatory tactics. I can not order my credit score or purchase products associated with my Equifax credit file for the last several years. Equifax has punished me by exercising my rights afforded to me under federal law. I want to go record using this forum. 

I am demanding Equifax to delete associated XXXX account.
Complaint sub-issue: You never received your bill or did not know a payment was due

I had a credit card with US Bank. The credit card was opened XX/XX/XXXX and closed on XX/XX/XXXX. I no longer have the card. It says i owe {$290.00} on it and it was charged off. I keep having a derogatory 30 day late payment on my credit report every month up to the current date of XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I've contacted the bank and their credit card services the see how I can resolve this but no one can find my account or how if I have a balance how to pay it so this will stop. Ive have not received any letters or bills stating an amount owed they just keep posting it to my credit report.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX
Complaint sub-issue: Account status incorrect

Following a recent review of my credit report at the Equifax, XXXX and XXXX  consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX XXXX ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There was a request for my credit report from Equifax Mortgage Solutions. I did not request this and am not familiar with the request at all. This is on the XXXX  site. I have frozen my credit reports. 
My employer recently informed me that there was a fraudulent unemployment report filed with my information. That is when I froze my reports.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a phone call from XXXX XXXX onXX/XX/XXXX in an attempt to collect a debt in the amount of {$630.00}.

On XX/XX/XXXX, I requested two months of forbearance on my loans because I lost my full-time job. These were granted with no issues, and I was not informed of any restrictions moving forward on using the rest of my forbearance months ( XX/XX/XXXX   remaining ).

I do not have a full-time job, and my monthly income is {$1800.00} ( I work three part-time jobs ). I am unable to afford my fixed expenses ( {$2400.00} ) in full so I attempted to speak with XXXX about using some forbearance while I tried to catch up. However, they informed me that 9 monthly payments must be made in between the use of forbearance before another 2 months can be used.

This is the first I've heard of these stipulations. I am behind on this loan and if I have 10 months of forbearance, it would be helpful to be able to use it since this is why it exists. I'm working on pulling up my promissory note from when I originally signed the loan with XXXX in XX/XX/XXXX ( XXXX now services XXXX XXXX  loans ) because I don't believe I was ever informed of us. If I was, I would have potentially reconsidered using the forbearance some months ago.

This aside, XXXX was unable to work with me any further on. Is this what it's come to? If people can't make a payment, they just push you into a bigger hole of debt?
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem lowering your monthly payments

I have been called frequently by a company called XXXX XXXX XXXX XXXX of XXXX XXXX NV. They promised an Obama loan forgiveness program where they could reduce our student loan debt by 50 % over 13 years. They were aggressive in asking personal information like DL number and credit card number. They asked for an upfront payment to get the loan forgiveness started. I do not think they are legitimate after filling out their documents. Can you advise on how to proceed? Is there an Obama care program that reduces student loan debt?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 my written instructions
Complaint sub-issue: Reporting company used your report improperly

I disputed a fraudulent account with XXXX XXXX and all three credit bureaus. Between XX/XX/XXXX inXX/XX/XXXX that fraudulent account from XXXX was deleted from my credit report. Out of spite someone internally at XXXX wireless pulled in an unauthorized credit report using my Social Security number. I am mediately was notified from my credit monitoring service. I called XXXX XXXX fraud department on XX/XX/XXXX, spoke with XXXX in which I recorded the call, XXXX admitted that XXXX ( internally ) pulled my credit to establish a paper trail against me. This was done out of spite due to me having it removed from my credit per fraud. I am seeking legal remedy, hiring an attorney as this is illegal. I never authorized XXXX XXXX to pull my credit.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$22000.00}, {$20000.00}, {$0.00}, {$0.00}, {$5700.00}, {$400.00}, {$500.00}, {$92.00}, {$710.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXXXXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$92.00} -This is not my account. 

10. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$710.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I was contacted by XXXX XXXX XXXX, on behalf of RC Willey for an attempt to collect a debt for a furniture credit card. I had a balance that I had not been able to stay current due to me incurring an injury while at work which caused me to go out on leave and I was not paid by my employer while out on leave. I kept RC Willey informed the entire time. On this specific date I spoke with XXXX XXXX who informed me that as long as I made the payment in full within 45 days of the collection account being sent to XXXX XXXX it would not negatively affect my credit report. On XX/XX/2022 I made a payment of {$300.00} and set up an authorization for them to process another payment on XX/XX/2022. I checked my credit report on XX/XX/2022 and RC Willey reported that the account had been closed with a balance and sent to collections, so I followed up with XXXX XXXX XXXX and spoke with a representative XXXX XXXX to inform him of the conversation between XXXX and myself he informed me that he would have his supervisor listen to the call and the supervisor would call me back but I have yet to hear anything from the company I also reached out to RC Willeys credit reporting department and spoke with a woman named XXXX and she advised me that they dont have the information from XXXX XXXX XXXX at this time to be able to report to the credit bureaus accurately which should not negatively affect my credit reporting as the account has been paid off in full. I request to have this information adjusted accurately and removed from my report.
Complaint sub-issue: Problem getting your free annual credit report

I am having trouble with getting my credit report from equifax. There is information on there that is wrong, and I can't get into my report to even dispute or fix the errors.
Complaint sub-issue: Didn't receive enough information to verify debt

I should not be contacted for this debt because it was incurred when I was an employee for XXXX. The classes were supposed to be paid for by XXXX through the employer. Ive told this company that before and they continue to harass me and call looking for money. They havent provided me with anything from XXXX to say that they refused to pay the amount so as it stands I dont see why Im being contacted for the funds. On top of that, XXXX University was neglectful in providing me with timely information which they admitted especially when it came to processing my claim to them because during the time of my Tuition Credit Waiver. I had a death in the family which I informed them ( sent them a copy of the death certificate ) of and was unable to complete the course due to mental stress. They took their time getting back to me and I dont recall being aware of owing any funds. I need proof sent to me that I owe General Revenue Corporation these funds. XXXX never contacted me and may have written off this debt. They were the original creditor so the money is not going to them. I dont owe General Revenue Corporation and would like them to remove the debt they are trying to collect on me until they have sent proof in the form of a debt verification letter that they are legally entitled to speak to me regarding this debt. I am a victim of identity theft and I need documented proof regarding this debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have numerous unauthorized inquiries on all three of my credit reports ( XXXX, Equifax, XXXX  ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : XXXX  : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX Equifax : XXXX XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX   XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX XXXX  : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX
Complaint sub-issue: Received bad information about my loan

I am a victim of identity theft. I have disputed this account multiple times and requested verification of debt but this company refuses to respond with any information regarding this account. This account does not belong to me and I want it deleted immediately.
Complaint sub-issue: Account status incorrect

I disputed the account information with XXXX  for account with PXXXX XXXX Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and reporting.
Complaint sub-issue: Debt is not yours

Hi : This is XXXX XXXX, XXXX again. I got a call from EOS in California. Phone number : ( XXXX ) XXXX. They say they are collecting for a XXXX debt. As I said before XXXX told me I have no outstanding debt with them. Another company in Indiana said they same thing.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XX/XX/19 I had five different inquires for loans using my information they got off XXXX website when I bought a gift. XXXX was able to put a stop to them and the loans never went through. I thought the situation had been closed and I then put a freeze on my info to protect my identity further. 

My fiance and I are merging bank accounts and he contacted his bank ( XXXX XXXX in XXXX XXXX, MO ) and tried to add me on his bank account. The employee said my name popped up on a list and I needed to get a XXXX report. I did and it listed the 5 fraudulent inquires that happened in XXXX. The bank told me they need to come off the report in order to be able be on the bank account. I contacted XXXX and they called the companies and they said they can't remove them. I needed to contact identitytheft.gov. I did and they said since the loans didn't go through I needed to contact this website to have them removed from my report. 

All on XX/XX/19 1. XXXX XXXX on Behalf of XXXX XXXX 2. XXXX XXXX on behalf of XXXX XXXX XXXX 3. Datax LTD on behalf of XXXX, XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX on behalf of XXXX XXXX XXXX 5. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX let me know what I need to do in order to remove these off my XXXX  XXXX report. 

Thank you, XXXX XXXX
Complaint sub-issue: Funds not received from closed account

Our Savings account with Citibank was compromised on XX/XX/XXXX, so they froze all of our accounts ( Checking and Savings ) and began an investigation. We were told to open new accounts which we did immediately. We received new debit cards, etc. On XX/XX/XXXX, our accounts were closed with no warning. I received an email on XX/XX/XXXX stating " Based on a recent review of your Citibank XXXX XXXX ) Savings Plus Account account, we found that you have violated the terms of your account per the client manual. As a result, your Citibank ( XXXX ) XXXX XXXX Account account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. '' Additionally, in the email it stated " If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. '' We visited the Citibank branch in XXXX, VA on XX/XX/XXXX to see if they could help us and they did nothing. We were told we would receive all of the funds in our accounts in 30-60 days. They froze access to all of our money, meaning we can not withdraw or use it. How do they expect people to live in this situation? We have no access to our own cash. They closed our accounts but we can't have our money immediately? Make it make sense.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I had an agreement with the original company that sold my " debt '' off to Grant and Weber -- I tried to explain this to XXXX and he basically told me that I was a liar and that I was wrong. I will not be dealing with Grant and Weber and I will also be submitting a formal complaint against the original company with whom I had made a prior agreement. I have also been getting non-stop phone calls from the Nevada area code that I can only assume are from Grant and Weber. I work a full time, XXXX job and do not have time to talk to rude debt collectors.