Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Have been disputing a hard inquiry on my credit report from XXXX XXXX. As of a few days ago a collection account was opened from XXXX. Again, I have never done business with XXXX and if the the dispute for the inquiry had been taken seriously I would not have a collection from them on my credit report. I have reported with Equifax, XXXX and have filed a police report. I want any information regarding XXXX and the fraudulent activity removed from my credit report. In addition an address of XXXX XXXX XXXX, XXXX, FL XXXX has appeared on my credit report which I can only guess is related to the other fraudulent activity.
Complaint sub-issue: Didn't receive enough information to verify debt

In reviewing my credit report, I noted a medical debt and have attempted numerous times calling the company listed on my report to resolve it. I have called probably 8 times, each time am placed on hold for 20+ minutes by an automated system. I select the option for an automatic call back and they never call me back. I am trying in good faith to resolve the debt and receiving no reply from this company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was not able to extend my credit to myself for personal use. I have not been able to live. Its been a hassle with all of these fraud errors on my account.
Complaint sub-issue: Don't agree with the fees charged

I am enclosing my last 3 payments to AES. 

The payments and interest rates change every month and makes no sense. I have not agreed to any terms they change my rates to and they are not consistent with how my payments are allocated. I have enclosed my last few payments.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX, XXXX XXXX ; XXXX, XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$550.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX Balance {$470.00} ; XXXX XXXX XXXX In XXXX XXXX {$67.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$120.00} ; Original : XXXX Balance : {$88.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$100.00} ; XXXX XXXX XXXXXXXX ; XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem getting my free annual report

As two of the primary methods for consumers to correct errors to their credit files so that they can conduct the business required of them in order to function in this country, Equifax and XXXX are committed to exacerbating the difficulties involved for consumers in doing so as much as possible in the name of profit. Equifax has a procedure set in place wherein a request has to be submitted through AnnualCreditReport.com to obtain a credit report from the merchant in order for consumers to submit a dispute with Equifax of the information contained in their credit files. If the credit report expires after 10 minutes of inactivity, it is impossible for them to either to use it to make any further updates to their credit files or to request another credit report online. Furthermore, the " WebMail '' form Equifax offers for consumers to make requests to update their credit files will not allow for the full 100 word Personal Statement, as mandated by Federal Law. Meanwhile, XXXX similarly has a feature in place to make it all but impossible for consumers to add a Personal Statement to their credit files online, as I have noticed that the merchant 's webpage for uploading documents ( XXXX ) will only recognize the Tagged Image File ( " .TIFF '' ) and Portable Document ( " .PDF '' ) Formats, but will not permit the uploading of documents which have been converted to the latter format from editable formats such as " .txt '', " .odt '' and " .doc '', and that the only way for consumers to add a Personal Statement to their credit files with the merchant online is to type it out in the space they are required to use for describing or commenting on the files being uploaded ( however, at least one file must be uploaded successfully in order to submit a Personal Statement in this manner ). 

With the economy still undergoing a fragile recovery from the turmoil of the Great Recession, it is unconscionable that Equifax and XXXX would jeopardize that recovery in this manner by exploiting the normal difficulties involved in functioning in a recovering economy by making it is as difficult as possible for consumers to update their credit files in the name of profit. It is particularly disconcerting that both merchants focus these efforts specifically on making it is difficult as possible for consumers to add the Federally mandated Personal Statement of 100 words or less to their credit files, as this would tend to suggest that these difficulties represent collusion against consumers on behalf of businesses.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX has been reported a " Dismissed Bankruptcy '' on my credit report since 2016. I have disputed 25 times, contacted US Trustee, BK Court Trustee, Lexis Nexis. Only avenue left is to sue them for a breach of the fair credit reporting act. I was a victim of identity theft which I have substantiated with FTC Affadavit ( notarized ), police reports, letters from city attorneys office, copies of the docket, and they still will not take it off. This is a breach of my rights and is affecting my families ability to buy a home. 

It was Discmissed, as the person never came back, they filed BK to avoid eviction. My name is incorrect, address is not mine, I had pervasive ID Theft and it was fully substantiated this is the only item that remains. Even though it says dismissed, it counts against me as if I fully claimed BK, which I NEVER HAVE>
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been followig my credit score monthly for years. It has always remained >720 since XX/XX/XXXX. I have been following it through XXXX XXXX XXXX. On XX/XX/XXXX, I checked my credit score after receiving a notification, and it had dropped from XXXX ( XXXX ) to XXXX. In an attempt to understand the very precipitous drop, I obtained credit reports from all 3 bureaus on XX/XX/XXXX - all indicating that i had exceptional payment history ( with no late payments ), with a credit utilization rate of <30 % on total credit and no recent inquiries, etc. I contacted equifax on XX/XX/XXXX which was unable to inform me of why the sudden drop. I contacted XXXX  on XX/XX/XXXX but they were reporting that my credit was still XXXX on their website. I then contacted XXXX- which informed that the likely reason my credit score had significantly decreased was due to my student loans ( XXXXDepartment of Education loans XXXX. They stated that : " The balances on your accounts are high compared to the original loaned amounts, lowering your scores... the balance amount paid down on your open installment account is too low '' - XXXX Credit Score & Analysis ( XX/XX/XXXX ) This is despite me being on a REPAYE plan by XXXX based on my income. After research, our concern is how the rollout of the CARES Act, suspending student loan repayments, might have been misreported by XXXX, leading to a negative event to credit bureaus, and subsequent unfair drops in credit scores ( as reported in Sass and Hounanian v. Great Lakes Education Loan Services, et al ). 

The only other concern they had was that one of the credit cards was utilizing >50 % of the credit utilization rate- but they did not believe this accounted for the significant XXXX point drop in my credit. Also, since XX/XX/XXXX when I saw the credit drop, we have paid a significant portion of that credit card off, as to remain <30 % utilization. 

We are in the process of applying for a physicians loan to buy our first house and, with no answers why from the credit bureaus, this has singificantly impacted the process.
Complaint sub-issue: Information belongs to someone else

This account does not belong to me my wallet was stolen and these accounts were opened I have filed reports but these accounts are still showing on my report this is keeping me from getting a mortgage I have informed the company and all 3 credit bureaus of this multiple times
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX XXXX MO XXXX
Complaint sub-issue: Account information incorrect

Citi Bank issued a VISA Credit Card through Best Buy to me a few years ago and they harassed Me constantly with phone calls 7 days a week, several times a day. I told them to stop, then they turned my account over to a debt collection company who took Me to Court and secured a judgement against Me. Their position is for Me to pay the entire bill including late fees, interest and other misc. fees or they will levy a lien against My assets. 
I called them several times and they are impossible to talk with, all they want is money, not interested in solving the problem. 

In these uncertain times, this is No way to treat a XXXX XXXX Vet who is XXXX but still works. I did My best to keep Citibank satisfied with my ability to pay what I could afford, and they went in a direction that now impacts my credit and well being of my assets in My Bank Accounts. This type of activity should not be allowed and I ask the FTC to treat their actions as discriminatory against Veterans with XXXX
Complaint sub-issue: Information is missing that should be on the report

I have called and sent in many letters in regards to the records management systems in order to get clarity on my record with XXXX but to no avail i need help in order to fix the many erroneous errors on my reports. 

The erroneous errors found on my report are actually violations under the fair credit reporting act and i have attached them to this complaint to the cfpb not only for a resolution but to bring closure before i bring my attorney in for restitution and court costs for 20 years of sending letters and calls in regards to my credit. 

I have found ten ( 10 ) Violations on my credit report under the fair credit reporting act and the fair debt collections practices acts. My payment history is thirty-five percent of my credit score and this is not shown or reflected in the monthly payment legend on each account in my file. 

Under section 611 ( a ) ( 2 ) and section 1681 ( i ) is my right for modifications to my accounts open or closed to reflect a accurate credit history under the fair credit reporting act as well as Fair and Accurate transactions acts, Electronic Funds Transactions Acts by which i demand accuracy in my credit record. The fair debt collections practices act of time barred debt is what i am disputing under section 1681 ( c ) as well as section 609 of the actual contract and record with a signed signature. 

I have pulled my credit report from XXXX XXXX and i have made changes with ink on my report along with the changes in ink with the law that i am disputing on each account with the sections and the law for a complete understanding by which i am disputing in order to correct the erroneously errors completely that i have submitted to my attorney. 

I have attached pages 1/30-12/30 of my credit report so that you can see the errors on the report by the law of the FTC. I also dont want them to use e-Oscar on the investigations of my disputes so that if in thirty days they dont respond i want the account deleted from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX, DISCOVERBANK, and XXXX XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DISCOVERBANK, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account, XXXX  XXXX and XXXX XXXX bankruptcy 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

Every 30 days starting in XXXX of 2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to XXXX, XXXX and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / NELNET, Amount - over $ 83K. The credit bureaus and the company NELNET which I sent out 5 letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment NELNET is saying I owe.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$490.00} XXXX/XXXX   XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XX/XX/XXXX {$1000.00}
Complaint sub-issue: Frequent or repeated calls

I have received numerous calls a day to my parents landline, where I do not live anymore, back to back multiple times a day. It has gotten so bad we have actually stopped answering the phone. For example on XX/XX/2016 I received a call at XXXX, XXXX, XXXX. They never leave messages, they only ask for whoever answers the phone name and then for the social security number. They say they are working on behalf of XXXX for medical bills but will not disclose what bills they are talking about. When I confronted them about them violating the FDCPA they then said it was multiple debts from same place so that is why they call so many times and that they are allowed to do it. My elderly parents are absolutely at the end of their rope with the phone calls coming in constantly. When I confronted them as well they said they would then start sending me mail for it ( which they already do as well ). We now live on eggshells waiting for the phone to ring.
Complaint sub-issue: Investigation took more than 30 days

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Complaint sub-issue: Used obscene, profane, or other abusive language

I was called by the collection dept. of Schreiber/Cohen llc. XXXX, a nice female employee talked to me about payments that were past due, I informed her that i left a message at that office for a motion to continue because i would be out of state, she asked me why I said to visit my parents in Florida from XX/XX/XXXXto the XXXX and the hearing was for XX/XX/2018. She then put me on hold and the manager of the collection dept. picked up the phone he informed me that if i can go on Florida then i have money to pay my bill, I informed him that everything for the trip was purchased by my parents. He then said rudely that he doesn't understand, that he was going to look into my savings and stocks and bonds to see if i had money to pay the bill, and even investigate what kind of care i drive '' maybe I drive a new XXXX  '' he said. told him i have no savings and certainly no stocks or bonds that i was broke but i could meet him at any time besides XX/XX/2018.He said that if i didn't pay the whole back amount that i would not receive a motion to continue and that if i miss the hearing a bench warrant would be issued, he was incredibly rude i even told him that if we couldn't have a normal conversation that i would hang up and deal with the court and file my motion for continuance.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Contacted you after you asked them to stop

I have sent in a request to this unknown company to cease and desist all scam and harassing phone calls. I have been receiving phone early in the morning up to XXXX am and XXXX pm. I have ask them to take me off the their don't call list. This issue continued for well over 6 months. I spoke with a gentlemen back in XXXX to please take me off their call and that I don't owe any debt to their company. The gentleman continue to talk about bracelet, or earrings etc. I became so disgusted that I asked the man to please take me off your call list and don't contact me anymore. 
Two days later I received another phone call, and this man asking for all my personal information. I explained that don't give out my information and please cease and desist from calling me sir. XXXX I go thru my credit report to make sure everything is looking good. I see this same company 's name on my credit report alleging that I owe them XXXX. Then I get another phone call : " I explained to the lady to tell the company to take me off their call list, and I don't owe no debt to that company. I started asking her about relevant information : Name of the Company, address, then she hung up. 
I called back and gentleman answered phone. I asked him for their company 's information. He stated that they don't give that information out, and that they are a digital company. 

After some research I found the company 's information. I sent a cease and desist letter and disputed their information. I asked for validation of the debt, and for them to remove their fraudulent information from my credit report. This letter was sent by XXXX XXXX priority mail XX/XX/22, and the company received and signed for it XX/XX/22. The company hasn't provide me with any validation of the debt, and they haven't stop their fraudulent reporting on my credit report, and I just received a letter from them on XX/XX/22 that want me to give them a police report because I disputed on XXXX XX/XX/22 that this account in question is a fraudulent account. 

Is not my responsibility as a consumer that feels unsafe with this fraudulent company to have no information that pertains to my personal information. It's the furnisher responsibility under 12 CFR 1022.43 ( e ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) The CFPB 's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) This is a complaint of harassment and it must stop
Complaint sub-issue: Information belongs to someone else

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

XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Account terms

I am having issue with negative medical bills on my credit. 
I do n't even know what to do because I have tried everything. I can not get the credit agencies to tell me any information about the credit. I have XXXX insurances so all my medical is covered at almost 100 %. So I know they are either not my debt or the medical bills were not processed through the insurance companies. I have called over and over. Disputed the debt. I do n't know how to proceed. This has negatively damaged my credit. No one has been able to help me. Now I am getting calls all the time from a debt collection agency that I believe bought the debt. As a consumer what can I do? I did my part by providing the insurance information. They do n't want to process it. Why should I have to pay full medical bills when I have insurance but the offices failed to file the paperwork? Please Help!