Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account sold or transferred to another company

Jeffereson Capital Systems alleges I defaulted on my credit cards and that my account was purchased against my will. I had no knowledge of my account being purchased and request documents and proof. 

Jeffereson Capital Systems has forced a court suit to a family member in my name against their will and wishes
Complaint sub-issue: Seized or attempted to seize your property

I have received voicemail messages informing me that a complaint has been filed with my financial institution and that all assets and active accounts will be closed within 72 hours. 

In addition, this account was removed from my credit report already.
Complaint sub-issue: Information belongs to someone else

I received a call this morning, XXXXXXXX XXXX on XX/XX/XXXX, from a XXXX with XXXX  XXXX XXXX XXXX XXXX She was calling me in an attempt to collect a debt. I was informed that I owed money for a short term personal loan from XX/XX/XXXX for {$600.00} through XXXX I have never in my life taken out a personal loan, nor would I. This is absolute fraud! I have no documents, no nothing ; I was only just made aware of this!
Complaint sub-issue: Information belongs to someone else

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the XXXX XXXX account XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. There is also clear evidence of re-aging on this report. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An invalid, incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 

3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Problem during payment process

This dispute is pertaining to my Citi bank account pertaining the late payments for XXXX of 2020. Please see the enclosed documentation.
Complaint sub-issue: Was not notified of investigation status or results

Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to XXXX XXXX, Equifax, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that XXXX XXXX XXXX has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want XXXX XXXX XXXX  to report my perfect payment history to XXXX XXXX, Equifax, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
Thank you
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax  data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Account status incorrect

The information regarding Fedloan Servicing for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I set up payment plan with XXXX XXXX XXXX XXXX in XX/XX/2019. When I spoke to someone at first they said that they report on your credit but on all my credit reports they were never listed. On XX/XX/XXXX I get notifications that a new line of credit was opened with a collection company. When I called they said I was looking at my credit report wrong and that paying the debt with them will actually help my credit when really it has hurt it drastically.
Complaint sub-issue: Fee problem

I opened an account with KeyBank in XX/XX/2021. When I opened my account I did not opt in to overdraft protection. This month ( XX/XX/2021 ) I noticed that there had been multiple one-time charges to XXXX ( billed as XXXX ), XXXX, and XXXX  that I did not have sufficient funds for at the time of posting. Instead of denying the charges, KeyBank accepted these charges and assessed three separate {$38.00} overdraft charges to the account.

When I called KeyBank to fix the situation, I was told by a manager that previous information I had gotten was wrong and that KeyBank has no grace period on overdraft fees ( the day these charges had posted I had gone to the branch to deposit enough cash to cover the negative balance and was assured by the teller that by doing so I was avoid any fees ). When I asked why KeyBank did not honor the refusal of overdraft protection, the manager told me that 'misc ' charges do accrue overdraft fees, though this is in clear violation of CFPB guidelines as they were one-time charges.
Complaint sub-issue: Account status incorrect

I have an auto lease with XXXX XXXX CT XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and Equifax Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX CT XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a police report, theft affidavit and identification XX/XX/2022 the I was a victim of identity theft. Per the FCRA 605B the bureus were to remove and block the fraudulent accounts within 4 days.They did not. If they are not willing to abide by the laws I will seek out legal counsel and go to small claims court. I do not understand why they would list a fraud alert but not remove the disputed accounts opened fraudulently.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$240.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

EQUIFAX XXXX  & XXXX has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and XXXX, EQUIFAX, XXXX has violated my privacy experian inquires/ ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRES/ ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXXT EQUIFAX INQUIRES / ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  XXXX XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 7. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
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/block any items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} 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: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Information belongs to someone else

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent a letter disputing several inaccuracies on my credit report. The company continues to state that the inaccuracies are verified. NONE of the disputed accounts have been DELETED from my credit file. 

ALL account are inaccurately reporting which goes against my rights as a consumer according to the FCRA
Complaint sub-issue: Debt was paid

CitiFinancial is reporting a very old account on my XXXX, XXXX, and XXXX credit reports. I do not owe Citifinancial any debt. This is just harassment form them to keep reporting this on my credit reports. I have no interest in their industry standards or company policies. Citi needs to remove these accounts from my credit reports immediately!
Complaint sub-issue: Reporting company used your report improperly

Upgrade Inc violated my right to privacy. Upgrade Inc disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to Upgrade Inc on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding account # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX : XXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  XXXX XXXX XXXX : XXXX XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

I have been calling exquifax daily trying to get my credit file correction it was another flie with the same social security number as mine I had been asking them to fixed the issue they said it takes 24/48 hours to fix the fraudulent information on my file I have proof recorded conversations they are rude and disrespectful and I'm the one that can't apply for anything because of their mix up that had been on my files for years I have proof of the two mixing credit report I just want my information to be corrected I did file a FTC report several times because of the mess they are very unprofessional and don't care for the consumer reports.
Complaint sub-issue: Didn't receive enough information to verify debt

To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. AlsENHANCED RECOVERY COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was unemployed for months in XXXX. I was unable to get unemployment for months due to the pandemic. 
I sought out arrangements for my accounts. 
XXXX XXXX- I deferred 2 payments XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX- prior to the account being delinquent I used my credit card insurance XXXX XXXX I used my credit card insurance, According to the cares act if the arrangements were made prior to the delinquency then the account has to report as it was, the credit bureau has not followed this rule. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax is reporting 40 accounts are open when the accounts are closed. These accounts are paid. The 40 accounts have deducted XXXX points from my XXXX score. Equifax continues to report these accounts as derogatory and they are not which hinders my XXXX  score from ever increasing and keeps it in a negative status. These accounts have been stuck with this sinceXX/XX/XXXX to present.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on thXXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle from a dealership and shortly thereafter the vehicle quit running. This vehicle fell under the rules required for the Lemon Law so I returned the vehicle within the time allotted and was told that there would be no negative reporting on my credit report, but that turned out to not be true. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud. 
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud. 
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well. 
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name. 
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors. 
I need assistance getting my life. Back. 
The companies are : -XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX  XXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX XXXX XX/XX/XXXX {$320.00} 5 ) XXXX  XXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX XXXX  1 ) XXXX XXXX  XXXX XX/XX/XXXX {$3300.00} - XXXX  XXXX XXXX XXXX 1 ) XXXX  XXXX XXXX XXXX XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX  XXXX XX/XX/XXXX {$160.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX {$450.00} XXXX XXXX  XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me. 

Can you assist me?
Complaint sub-issue: Reporting company used your report improperly

Equifax hack leaked my SSN, date of birth, and address. The company had an unacceptable level of security and over 100 million people got XXXX.
Complaint sub-issue: Account status incorrect

I applied for a credit card with XXXX  and was approved. After the terms were delivered, I declined the account and DID NOT activate the card as allowed in writing under their questionable terms. They are not only reporting this as an active and open account but they are reporting an amount owed as well. I have previously disputed this item by wire and mail with the credit reporting agencies and XXXX  fraudulently confirmed its accuracy by the same means. This item continues to be reported on my credit reports.