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

On XX/XX/XXXX : My pandemic stimulus money held at XXXX  XXXX XXXX ; in which would also be unlawful-to take away stimulus money through their levy. 

This would be based on a prior judgement entered in the amount of {$13.00}, XXXX. XXXX plus taxed costs. 

This amount was supposedly a XXXX credit card that I had when I was previously employed there. However ; during the recession when jobs were lost in XXXX ; I had credit protection. 

Therefore ; there should be no outstanding bill. 

I notified XXXX and sent them proof of credit protection charges on my statements. XXXX states that a third party bought out the said amount account and that they have nothing to do with the outstanding bill. 

Main Street Acquisitions XXXX XXXX would be that 3rd party. Harassing and fraudulent he is. I faxed them proof { XXXX - XXXX } of credit protection charges on my statement as well. No response in 30 days. And no response until now ; when they levied my stimulus money from my bank account. 

According to a past complaint on XXXX XXXX XXXX  : Main Street is a passive account owner and does not make any direct collection attempts. A third party law firm working on behalf of Main Street obtained the judgment. 

The lawyer in my case would be XXXX XXXX XXXX XXXX, Such, XXXX XXXX XXXX. 

And even even if the above statement was true ; XXXX XXXX - debt collector is handling accounts as if direct collection attempts - would be directly from him.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX 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
Complaint sub-issue: Reporting company used your report improperly

am a natural person. i am a living human being, i have rights under 15 usc 1681 equifax, XXXX, XXXX  is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE IT
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act The U.S. Department of Education - Account Number XXXX has violated my rights according to section 15-USC -1681 Section 602A states I have the right to privacy and Section 604 A Section 2 : also states a Consumer Reporting Agency can not furnish account without my written instructions.
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 {$3000.00}, {$0.00}, {$2200.00}. 
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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

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


-- COLLECTION ACCOUNT 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXAccount # : XXXX, XXXX XXXX ( XXXX ) -Account # : XXXX, XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX XXXXXXXX XXXX-Account # : XXXX XXXX XXXXXXXX XXXX XXXX-Account # : XXXX, XXXXXXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXX-Account # XXXX XXXX, XXXX XXXX-Account # : 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$35000.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$280.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$10000.00} ), XXXX XXXX XXXX XXXX XXXX, XXXX, Credit limit {$400.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$600.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Investigation took more than 30 days

Me and my wife have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted a dispute to Equifax on XX/XX/2022, via certified mail with a return signature. The dispute was in reference to inaccurate accounts reporting on my credit report. ( See the attachments ) In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accuracy.

Equifax stated that these accounts were properly investigated and came back as verified and accurate. How is this true when there are several inaccuracies shown in my report? Equifax is now reporting a recent late payment on a closed/charge-off account which has caused my credit score to drop. I reached out to Equifax about their response on XX/XX/2022, and after several attempts, I finally got a rep on the phone by the name of XXXX. And I explained to her that I disagreed with their investigation. And asked, 1. What were the steps Equifax took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 
What was the process of their investigation? And her response was, that they reached out to the creditor electronically and the creditor verified that the accounts belonged to me. How exactly???? 
2. Why are they now reporting a recent late payment on a closed/charged-off account that's over 6 years old? She then asked if I recently missed a payment. Really? Where do they hire these people?

Because Equifax is reporting inaccurate information it's been challenging to obtain credit for personal and housing purposes and it has caused a severe amount of stress. The continued inaccurate reporting of this information is a clear violation of the law according to FCRA. and According to 15 U.S.C. 1681n civil liability for willful non-compliance any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} per violation. Please delete these accounts immediately. XXXX XXXX XXXX-line of credit- ( {$1400.00} ) -account # XXXX, XXXX XXXX XXXX auto loan- ( {$5900.00} ) account number XXXX and XXXX XXXX XXXX-revolving- ( {$5400.00} ) Account XXXX XXXX Thanks in advance!
Complaint sub-issue: Company closed your account

On XXXX Discover bank closed my checking and savings account for business purposes and said it will take 60 days for them to mail me a check for the money I had in those accounts. I need the money now I cant wait 60 days my bills have to be paid.
Complaint sub-issue: Debt is not yours

This letter is to advise that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Practices Act, 15 USC 1692g Sec.809 ( b ) that your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to the above named title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

A computer printout from your company of the alleged debt does not constitute a copy of such verification and or judgment as required by the Fair Debt Collection Practices Act. You will authenticate the debt by providing me with copies of the original paperwork and or court ordered judgment that is valid. I am also requesting validation in the form of a copy of the original contract baring my signature made by me that states I have contractual obligation to pay you, At this time I will also inform you that if your office have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, XXXX ) This action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit reports by your company or the company you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or validated. You are also required by law to provide with a copy of the original signed contract. If your office fail receipt, all reference to this account must be deleted and completely removed from my credit file and a copy of such deletion request be sent to me immediately. 

Best Regards,
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Spoke about credit options but didnt authorize credit pull at dealership!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On : Monday XX/XX/2018, I called Equifax to see if they can remove a Phone Number that I don't recognize on my Credit File with them dated on : XX/XX/2018, and update it with my Current Phone Number where my Current Address is with them on my Credit File dated on : XX/XX/2018 by : Equifax. Equifax couldn't don't do it! Because I needed to contact XXXX  on it!, but : Navient has my Current Phone Number on their Records already!
Complaint sub-issue: Account status incorrect

I need some help over a few issues on my credit file. My name is XXXX XXXX is have a few late payments that happened during the COVID SHUTDOWN. One was with my mortgage XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I was not working and I had requested a deferment of my mortgage payment. The dates were XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving buy a new property. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations. I would like the late payment removed. 
I also have a unverified account from XXXX XXXX XXXX XXXX # XXXX. I never had any contracts or dealings with XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My personal information was compromised because of Equifax and their incompetence. Upon learning that my information might be compromised, Equifax made no attempts to contact me. I had to find out from an online non related source that my information was possibly compromised. So the date that I found out is XXXX/XXXX/XXXX, but the date of the breach is unknown to me. Now I have to monitor and possibly freeze my credit. I can anticipate having my identity stolen and the pain that comes with they. All thanks to Equifax being incompetent, lazy, and criminally negligent.
Complaint sub-issue: Trouble with how payments are being handled

Hello, I made a payment of {$3700.00} on XX/XX/20 for the student loan I have. The payment has never been applied to my account. I have sent several emails asking where the money is with no responses. I called today because the payment is still not showing that it was posted to my account. I spoke with one person that said it was applied to my principal but he couldn't show me any documentation of that because of how it was applied. I asked him to send me an email stating that activity, he said he would but I never received it. 
I called back and spoke to another person and he stated that he showed the {$3700.00} was refunded, payment cancelled, upon my request. I NEVER called and cancelled a payment and I have NOT received a refund. The person I spoke to said that he filed a complaint to have the issue looked into to see where the money is. I am very upset because my payment is " lost '' and I have received two different explanations. I am attaching my confirmation of payment that was " posted '' on XX/XX/20.
Complaint sub-issue: Reporting company used your report improperly

I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHT AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
XXXX XXXX Auto-acct # XXXX bal : {$0.00} opened : XX/XX/XXXX XXXX XXXX Auto-acct # XXXX bal : {$0.00} opened : XX/XX/XXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization of a public extension of a credit directly or indirectly by the issuer of a " credit card '' or similar device should be excluded from a consumer report. The definition of a " credit card '' under 15 USC 1602 ( l ) which states ; the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
Notice, Congress said " ANY '' card ; which is MY SOCIAL SECURITY CARD. This is the credit card used to originate every consumer credit transaction listed above. Remove them from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) immediately as you are in violation of my rights as a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several disputes pleading with the credit bureaus to honor my request due to my hospitalization. I just pulled my credit report and i noticed that my date of birth and/or address is incorrect or not fully there on my credit report. Im questioning the bureaus investigation. And i believe that the bureaus are in direct violation of FCRA 15 USC 1681a. They have repeatedly sent me letters claiming that the accounts are verified but failed to conduct a properly lawful investigation as law 15 USC 1681a states. Please remove the following late payments off my account due to your violation of 15 USC 1681a ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Will adjustment was granted by CEO - All late payments must be removed ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX -- Good Will adjustment was granted by CEO -- All late payments must be removed ) XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Information is not mine

I have contacted Equifax several times about unauthorized inquiries that was placed on my report. When I first contacted Equifax several months ago they advised me to place a fraud alert on my account and contact each company to have them remove. After contacting each company by certified letters and phone calls, I 'm told by these companies to place a dispute with the credit bureau it 's reporting too. I 've contacted each of these companies, by certified mail, requesting documentation that these inquiries where authorize by me. Majority of their respond where get in contact with the credit bureau. As we know, mailing letters to these companies was very expensive only to receive a letter back stating contact the credit bureau
Complaint sub-issue: Their investigation did not fix an error on your report

On several occasions ( starting around XXXX of XXXX ) I have contacted Equifax in regards to collections being fraudulently added to my credit profile. I have disputed the collections ( XXXX XXXX and XXXX and XXXX ) with Equifax and they come back verified. I have called Equifax countless times in hopes of resolving this matter but always told the information is correct. I have disputed ( on XX/XX/XXXX I sent certified letters ) with the companies ( XXXX XXXX and XXXX and XXXX ) and neither company has ever provided me with validation on said debt. Actually neither company responded to my letters. I sent out correspondence to all ( Equifax, XXXX and XXXX and XXXX XXXX ) certified mail on several occasions yet no one has confirmed said debt nor removed debt from my credit profile. I have never had any contract with neither company mentioned above, nor have they provided me with any services. On XX/XX/XXXX I sent certified letters to all parties asking for deletion of said debt, along with proof that I didn't owe anyone anything, and again no one has responded and the debt is still reporting on my credit profile as delinquent. After completing my own investigation I have supporting information that I have never had any type of services with the companies named above nor do I have any outstanding balances. This false reporting is a violation of my rights pursuant to FCRA, FDCPA. Lastly, to date ... No one has provided me validated information that this said debt is in FACT owed by me to the companies stated above. I will upload supporting information.
Complaint sub-issue: Account information incorrect

I have a very old student loan about 14-16 years old with mohela. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with mohela. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account. 

I have one account with them. Loan # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments. Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.
Complaint sub-issue: Can't qualify for a loan

I have talked with the company and still feel like I am being discriminated against. It is my understanding that a cosigner is provided to make sure a loan is paid back. My cosigner has half the requested loan amount in a savings account and around 300 acres of land and last time I looked, XXXX acres was going for XXXX dollars in that area, more than enough to pay the loan if needed. I have explained that there are errors on my credit report that I am in the process of fixing and I sent them XXXX test results showing that XXXX and having to take the entire year of 2015 to learn to walk and wright. All I want is a chance to go to school, I want to do it on my own and I have made sure I had a cosigner who can pay the loan back with no problem. According to my research, it is against the law to discriminate based on illness or XXXX as long as the money can be repaid and I am being discriminated against for being ill no mater what some representative says.
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

TWO FRAUDULENT HARD PULLS ON EQUIFAX XXXX XXXX XXXX AND XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

Hello, I become a victim of identity theft. I do not recognize these accounts in my profile, someone just used my personal data. I am very shocked by the fact that I have unknow items in my profile and they are destroying my credit history that I made all my life. Please help me and I want you to make investigation on these items. I can not move on and please delete them from my profile, You are my only hope.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello 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 they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.