Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

this company contacted me saying iowed a power bill from 5 years ago.so i said ok send me verification and they did, so then i asked for a settlement after i recevied the verification letter and they agree to cut it in half.so i asked the company to send me a letter stating that it was a payoff and if i payed the amount i would be free of the debt.i in turn said i do not want this against my credit so i need this resolved before it does.the company said i would recieve the letter in less than 14 days and that i had time to pay the debt before it was turned in.i called this company 3 times within a month asking for the letter or an email stating that if i paid the payoff balance that the debt was clear and no further action would be taken. well they said there system was messed is why i never recieved a letter i also gave my email address they never sent me an email so i called them today and they said that they had an error is why i never received the letter and thqat they reported me to the credit bureau they said i had to have a checking and router number on file to keep it out of collections.
Complaint sub-issue: Public record information inaccurate

Lexisnexis is incorrect reporting one NOT AT FAULT ( Not my fault ) accident occurred on XX/XX/2020 as XXXX AT FAULT accidents causing bodily injuries. 
This has lead to me paying thousands extra in insurance coverage because I most insurance agencies refuses to insure me. 
I contacted them and they explained a convoluted process that could take months to fix. 
This information is FALSE and is not reflected in my driving record nor by my insurance company that Lexisnexis claimed the information came from. 
This should be criminal.
Complaint sub-issue: Debt is not yours

After reviewing my credit report I filed a dispute with XXXX  for a debt held by Jefferson Capital Systems in the amount of {$2400.00} from XXXX XXXX. I filed the dispute on XX/XX/XXXX. About a week later I spoke to a representative from Jefferson Capital Systems pointing out that the debt was fraudulently linked to me. I have never had XXXX XXXX as a service provider. Additionally, the other address they referenced was located in West Virginia. I have never lived in nor visited West Virginia. I also do not have any family in West Virginia. Over the phone, the representative noted that she would add that I said that the debt was not mine and that they would no longer contact me. 

I received a letter from Jefferson Capital on XX/XX/XXXX regarding the debt. The letter indicated that if I did not reply in writing to the letter within 30 days, they will assume the debt is valid. Because they did not indicate the proper address to send the letter to, I sent letters to the following address on the letter I received : XXXX XXXX XXXX XXXX, NC XXXX And XXXX XXXX XXXX XXXX XXXX, MN XXXX Additionally, on XX/XX/XXXX I attempted to call their offices at XXXX CDT since their website said they were open until XXXX CDT. Upon calling I received notification that no one was available to answer calls. 

I disputed this debt a few years ago and it was removed from my credit history. However, I'm assuming it was resold to Jefferson Capital who is now attempting to collect the debt that had already been cleared from my history.
Complaint sub-issue: Account information incorrect

My Medical bill account was paid in full as of XX/XX/2021 and I was aware that the account was to be removed and I then I was reported 90 days late for this medical bill after it was paid off and it still remains.
Complaint sub-issue: Other problem getting your report or credit score

Credit oddities showed up with SSA for my XXXX year old mother. I contacted all 3 credit reporting companies in order to freeze credit and request a report for both parents. I had to provide my proof of identify, POA, parents proof of identify, SSA info etc to them. I sent all via certified letters and can not make any progress with Equifax after lengthy calls, them cutting me off, etc. I sent information they required to the address they specified by certified mail with a receipt. The post office provided a receipt that the sensitive information was received by Equifax on XX/XX/20 and signed by XXXX XXXX. I called and was asked to wait 30 days. I spent an entire morning on the phone trying to get the information but all they could tell me was that the info wasn't in their que. I sent another letter with a copy of the receipt and requesting that they located this very sensitive information that I sent on behalf of my parents. Certified mail receipt for XX/XX/20 again signed by XXXX XXXX. NOTHING. They still have nothing. They not only have on data breach but I now have concerns about inside their company. Can you please help?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account this all hard inquieres : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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: Information belongs to someone else

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months. XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Complaint sub-issue: Other problem getting your report or credit score

Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by XXXX ( now LexisNexis? ) Made request for credit report to determine problem. Letter from LexisNexis indicated " unable to process request ''. Made numerous phone calls... no response ; not one.

Letter from LexisNexis " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. 

I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against XXXX. What's it take to get action on this?
Complaint sub-issue: Debt is not yours

I have sent this company several letters requesting validation of the claimed debt and they have not provided me with viable evidence.They are claiming I owe {$750.00}. I sent them a letter on XXXX/XXXX/2017. They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both XXXX XXXX XXXX and the law office they sent the account to, XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX ( XXXX ) is in violation of several laws that are allotted to me by the FCRA ; 15 USC 1681i ( 5 ) ( A ), 15 USC 1681 B, 15 USC 1681 C-1, 15 USC 1681 C-2. XXXX, Equifax, XXXX did not have my written consent to furnish any information on my credit report. Since you did not have my written consent to furnish any information on my credit report according to the FRCA it is constituted as identity theft. Since this late payment is on my credit report as a result of identity theft it must be taken off of my credit file. Moreover, when you guys closed the account you did not send my statements to my address. Since I was not getting my paper statements i was unaware of the due date causing me to fall behind on the payments. Moreover, on XX/XX/XXXX, I called XXXX and they notified me that XXXX only reports 60 days late and the representative went ahead and reverse the late fees and the interest payments and told me that since she did the reversal the monthly payment was satisfied and i did not have to make a payment. On XX/XX/XXXX I checked my credit report and i have a 30 day late payment on my experian profile. If i knew that i was going to be reported as 30 days late i would have made a payment on the XXXX when i called in. The calls are recorded and monitored and you guys can go back and check that conservation that i had with that representative. Due to the misleading and false information that i got from a trained employee at your company, i have a late payment on my credit report. Also, on XX/XX/XXXX i spoke to XXXX, who was rude unprofessional and XXXX. He constantly hung up on me and even blocked my number from calling in when i wanted to speak to a manager. XXXX closes at XXXX XXXX  XXXX and XXXX took it upon himself to cut off the phones to the customer service line at XXXX XXXX. I was unable to call in and speak to a manager to get my concerns addressed.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g
Complaint sub-issue: Debt was paid

The charges that were incurred during the time frame of XXXX were at a time when I was in fact covered by a state-funded XXXX program which provides free care and visits to XXXX XXXX XXXX Systems and clinics. However, Alliance One Receivables continues to attempt to collect on these debts that were covered by the State of California 's XXXX program. Alliance One has reported several negative accounts ( more than XXXX ) and marked them as severely late ( 120+ days past due ) when they first and foremost should have never been actionable items to collect upon.
Complaint sub-issue: Received bad information about your loan

My grandmother took the loan out with me I was not of legal age. In the middle my grandmother passed. My mother tried to pay the loan but they would not speak to her. Now I am having some mental issues that they were supposed to email me papers they have not and call my mom 7-10 times a day. And they are killing my credit score
Complaint sub-issue: Account information incorrect

I reached out to Conns by phone and email and never get the correct answer. When I call they tell me that they didn't report a 30 day late payment after the account was already close on XX/XX/19. They keep giving me the run around. On this same account they reported 30 days late after it was closed. They reported other 30 day late payments when I paid the minimum payment each month when I wasn't working.I need help to resolve this. They reported me 30 days late on XX/XX/19 when the account when already close on XX/XX/19.
Complaint sub-issue: Information belongs to someone else

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy XXXX Date Reported : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDCO located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Complaint sub-issue: Account information incorrect

To Whom it May Concern : I have been trying to get help from Flagship Credit Acceptance and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by Flagship Credit Acceptance. I have a document from Flagship that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX, Account # XXXX has violated my rights Inquiries : XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Information belongs to someone else

XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, Equifax, XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX/XXXX/XXXX, Equifax reported that they had been breached. My information was mishandled, which puts me and millions of other people at risk. I requested a credit report today, XXXX/XXXX/XXXX, which told me that someone had filed a request for a new credit card on XXXX/XXXX/XXXX with my bank. There is also an additional phone number that is not mine on my credit report. I am also listed as a potential victim according to their XXXX website, and would like a resolution. In my opinion, credit freezing should be made free for anyone who was affected by this situation.
Complaint sub-issue: Information is incorrect

The company is reporting this Aliases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which are incorrect my Legal and only name is XXXX XXXX
Complaint sub-issue: Problem while selling or giving up the vehicle

We traded in our vehicle at a dealership when purchasing a new vehicle. Our current monthly payment on the traded-in vehicle was not yet due. After the purchase, the dealership did not send in payment for our trade in for over 45 days, despite numerous phone calls and in-person follow-up visits to the dealership to rectify the problem. As a result, both my and my husbands credit ratings plummeted over 100 points each! Shady practices by car dealerships!!!
Complaint sub-issue: Problem accessing account

PNC bank blocking XXXX to XXXX mobile banking service
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX XXXX pay off credit cards From XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Are all pay and close
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had an open complaint with Discover for a charge of {$7900.00}. Discover is stating that the merchant validated the charge but I wasn't disputing the charge amount, I was stating that services weren't received for that charge. I uploaded the information that I had from the merchant stating that a refund would be issued, however the Discover stated that they could only refund the charge if I had something from the merchant specifically stating that they would refund the charge on my discover card specifically. I had the same issue with XXXX XXXX because I had to split the total charge between both cards. XXXX XXXX has resolved the Issue with the documentation that they received from me but discover is stating that there isn't anything they can do about it. Today I receive an invoice from discover that is not very legible bate out what I can make out from the invoice is that it isn't generated from the same company that I had conducted business with and the date on the invoice doesn't match the date the transaction was made. It was an entire week later. I submitted the corrected invoice to discover stating that the merchant charged me more than what they submitted to discover but it was just split between two different cards. I also submitted a letter from the account manager which explained that the company would issue a full refund for not providing services. Discover also accidentally sent me another consumers information which let me to think about if my information had been sent to another consumer as well. I am concerned about the security of my information and Discover 's lack of their attention to detail. This company has a lot of sensitive data that they have been careless with. They also failed to do their due diligence when handling my case and refuse to open the case back up because they claim the information I have isn't specific enough. The executive office of Discover also has also stated that there is nothing that can be done for me. I have tried everything to bring this case to a resolution but I do not feel as if my dispute has been taken seriously. You will see in the attached documents that discover forwarded me another consumers dispute information. I am concerned that my information may have also been compromised in the process. All the information I uploaded was enough to bring the case to a resolution with XXXX XXXX, I don't see how discover couldn't do the same.
Complaint sub-issue: Frequent or repeated calls

i 'm working with a debt settlement company XXXX, inc. but Discover calls XXXX my work phone XXXX XXXX -XXXX times a day everyday.i have told them i 'm working to settle my debts with them. but they keep calling.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..