Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to sue you for very old debt

My ex received a phone call in early XXXX but he did not take down any names or numbers. My mother was contacted late XXXX and took down a phone number and a case number. I contacted XXXX on XXXX XXXX, and I spoke with XXXX XXXX who said she was part of a law firm named " XXXX XXXX. '' She stated I had a debt with US Bank from XXXX and if I did n't make a settlement of a one time payment of {$950.00} or 11 month payments that would total {$1500.00} that they would take me to court, garnish my wages, freeze my bank accounts and add any additional fees of court costs/lawyer fees. She stated the would send me some invoice in the mail and that I 'd need to return it. I never received anything and called again on XXXX, I asked where it was and she said they normally e-mail these documents. She then sent me an e-mail via docusign with her administrators name on it, " XXXX XXXX. '' It was a time sensitive document. After looking into this online and feeling skeptical of this caller I called on XXXX and asked for a " validation letter, '' she stated that the e-mail was a legal form of validation and if I do not comply they will take me to court. Now I am just waiting for a subpoena if this is actually something legitimate.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2018 I sent a letter to Flurish Inc dba XXXX disputing a negative account I found on my credit report. This letter was signed for on XX/XX/2018. I never received any correspondence from Flurish Inc regarding my dispute and my report was not marked disputed within the 30 day time line. On XX/XX/2018 I sent a second letter to Flurish Inc disputing the negative item on my credit report. I never received any correspondence from Flurish Inc but they did mark my reports as disputed-resolved consumer disagrees. On XX/XX/2018 I sent out a third and final letter to Flurish Inc asking for proof that this account on my report was actually mine. I still have not received any information from this company. Under the current law Flurish Inc should have marked my reports disputed within 30 days of my complaint and they did not. Nor have they attempted to prove this debt is mine.
Complaint sub-issue: Information belongs to someone else

XXXX has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Problem with customer service

Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX Subject : Inoperative Alarm w/ over 20 messages from ( Brently ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You AreDissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). 

For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms. XXXX XXXX XXXX XXXX XXXX. My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. 

On XX/XX/XXXX the front doorhad set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences
Complaint sub-issue: Old information reappears or never goes away

Equifax removed this account from my credit report and keeps allowing a non-credit account on my credit report. This is a violation of the FCRA Act. XXXX and XXXX don't allow this to keep happening. This has had a direct impact on my family and my rights.
Complaint sub-issue: Account information incorrect

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX Violated my rights as a protected consumer. They have done this by providing inaccurate information to the credit reporting agencies. In the past I have disputed this with the bureaus and they again have deliberately reported inaccurate information. The High balance, Date of last activity, date reported, date opened last payment all vary between the three Bureaus : XXXX, Equifax, and XXXX. They are also reporting that this account is closed. Being that the account is closed, per law, there shouldn't be a past due amount as past due amounts are only applicable to open accounts.
Complaint sub-issue: Other problem getting your report or credit score

I spoken to a Equifax rep 3 times, and stated to them that a lender is having problems pulling my credit report. XXXX  times they have said that men file was unlocked and that the lender can pull my report. Each time the lender has tried. They have been unable to pull the Equifax report..
Complaint sub-issue: Was not notified of investigation status or results

Submitted dispute to Equifax in regards to a XXXX credit card account which I never owned in my life to be investigated and removed in XX/XX/2018. They have never updated the status from reinvestigation in progress and have never given me any final determination of the status or results. Ive been waiting since XX/XX/2018.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX MO ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX F XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

In XXXX XXXX, I had a hospital stay at XXXX Hospital in XXXX. A couple of years later I received a collection notice from Pro Collect. I called them because I had no idea what it was for - just an amount & please pay. I told the rep this was the first I had heard of any past due amount & why am I just learning of this now, two years after the fact. I am covered by two insurance companies - I had received no notice of any amount not paid. I was told they had taken over for the previous collector because " they had dropped the ball ''. I told them I would need verification of the amounts and had no plans to pay because they said so. I never received any verification, just continued phone calls & the promise that verification would come.
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I should note I worked as a XXXX XXXX for the XXXX XXXX during that time & many many people came in to mail certified letters to this company disputing their claims - all from XXXX XXXX as the provider. Same story as mine.
Complaint sub-issue: Account status incorrect

XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX I have recently pulled my Equifax credit report and notice an account has been investigated and deleted by another credit bureau still being reported by Equifax. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete these accounts for accurate reporting. They should be deleted in order to show my true credit history.

XXXX has removed all accounts associated with XXXX XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors.

XXXX XXXX XXXX Account # XXXX   Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete.

Thank you for your cooperation, XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX Ga billed XXXX. I contacted the facility where the procedure was performed XXXX XXXX and complained about their failure to disclose to me the estimate.. I was contacted by the facility patient advocate who said they would contact XXXX XXXX and ask them to hold the bill while I get these issues resolved.. I also spoke with the billing department on a couple of occasions.. I filed two appeals with my insurance and on XX/XX/XXXX I spoke with My insurance co who said they were sending checks for all of the undisclosed estimate.. XXXX check has been processed. I have no debt owed.. 
I received a call XX/XX/XXXX from a debt collector. I told him basically It was my belief XXXX  was holding the bill for me and I filed 2 appeals it took some time however my insurance is covering the cost and I dont owe anything.. 
The debt collector then said when an insurance company dont pay its the patients responsibility. I said I realize that but I dont owe anything now. He then said Im just going to report it to the credit bureau then he hangs up the phone.. I tried to call him right back phone rings no one answers l called twice.. I reached out to XXXX the person said we havent called you today.. I asked for a supervisor she said it will be 48 to 72 hours for them to respond.. At the end of the day I called The debt collector back for their information. I asked who called me this morning he said I did. I asked what is your name he said XXXX XXXX, I asked to speak with his supervisor, and he said I dont have one. I told him I will contact XXXX, who is your contact person there? He said I dont have that information and Im terminating this call and he hung up..
Complaint sub-issue: Other problem

My card was changed from an XXXX to a VISA and When it became a VISA XXXX sent me a bill saying that my new min payment was {$2200.00} ( 20 % of the amount owed ) which is substantially higher than what it always had been with XXXX approx 2.5 % of the amount owed. I paid at least the 2.5 % as I always have, then they proceeded to report late payments in XXXX and XXXX 2016 ruining my credit. This isnt right and they need to be held accountable. You cant just jack up a min payment from 2.5 % to over 20 % without any warning!!!! SEE ATTACHED DOC
Complaint sub-issue: Account information incorrect

I paid XXXX XXXX Account in Full on XX/XX/XXXX. I disputed the balance with Equifax 5 times and it still appears on my credit reports as unpaid. I sent them the paid letter form the collection agency. But rather than researching the account balance Equifax has verified my identity which I have never denied. I am attaching the paid in full letter from the company as well as my bank statement showing the date that the item was paid in full which was XX/XX/XXXX.
Complaint sub-issue: Reinserted previously deleted info

Equifax is reporting accounts included in a Chapter XXXX bankruptcy filed XX/XX/XXXX as if they were current open accounts included in a bankruptcy filed XX/XX/XXXX. This case was filed XX/XX/XXXX and discharged XX/XX/XXXX and given that it is a Chapter XXXX it should not be reported after 7 years from filing.
Complaint sub-issue: Was not notified of investigation status or results

Hey Guys. Hopefully you can help me out. I sent a letter to the credit bureaus over 2 months ago and I haven't gotten nothing back. Aren't they supposed to respond to me in 30 days? It's been more than twice that with nothing. Can you check into this for me please?
Complaint sub-issue: Public record information inaccurate

I've tried with no success having this account removed. They are reporting this bankruptcy account from a third party vendor and not the original Creditor and its unlawful for credit bureau 's to report an account from a third party vendor. I would like this account deleted from my file.
Complaint sub-issue: Other problem

On XX/XX/2019 a settlement agreement with Citibank re : XXXX Credit Card was settled in the amount of {$3000.00} and payment was remitted. 

Citibank accepted this settlement payment and then sold entire debt to XXXX XXXX in XXXX. 

As of today, Citibank states that they have sold the account to XXXX XXXX and will not provide proof of settlement payment in full letter as requested. Per Citibank they have no records because account has been sold and has informed me that I must speak to XXXX XXXX. 

On XX/XX/2019 at XXXX am, Citibank was faxed proof of payment in addition to settlement agreement letter. As of XX/XX/2019 Citibank states that they do not have proof of receiving this fax and they have no proof of me starting a dispute with them. 

I am receiving letters and today I received a phone call from XXXX with XXXX XXXX stating if I didn't work out the payment they would be sending this to a lawyer for arbitration thus threatening me to remit payment. I repeatedly informed her that I would not be making additional payments on an account that I settled.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 days.
Complaint sub-issue: Information belongs to someone else

I have accounts on my credit file thats fraud
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

have been using cash app over a year now my money was deposited directly from my job never had a issued till now with my irs check had a call, text, email to verify my account so i did thinking this was cash app i've emailed several thousands emails to cash app asking for my money with nothing but we do not answer this email address please see attached photos below they stole XXXX dollars from me and i need it back
Complaint sub-issue: Information belongs to someone else

In XX/XX/2018, I filed an identity theft report with my local police department about several items on my credit report that I did not authorize. I contacted Equifax to inform the company of the problem. I challenged the information and submitted all pertinent documentation to prove my cause. It clearly showed that the information on my credit report did not match my identity of my place of living. I explained to Equifax that someone had gotten hold of my personal information and used it and opened accounts in my name. Equifax has continuously failed to remove the account on my credit report and it is hurting my score, credit opportunities and my total credit health. The account is XXXX XXXX XXXX. It is an auto loan and the car dealership that sold the vehicle in my name is no longer in existence. I did contact someone from the company and they verified that the car was in my name. So, I got all of the information on it, looked it over and ran a search on it to discover that the car was a totaled vehicle. Meaning that someone had purchased it from a junk yard and put it back together and resold it which is illegal in the state of Illinois.
Complaint sub-issue: Information belongs to someone else

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, and 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: Account status incorrect

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

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been a victim of idenity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a bankruptcy on my report. I was told the Oklahoma XXXX XXXX bankruptcy reported a bankruptcy to my credit report. I contacted the bankruptcy court of the Oklahoma XXXX XXXX and they told me that they did not and do not report to credit agencies. I expressed this to equifax and they told me that they dropped my credit score additional points for filing a dispute. I went back to dispute it again and was told that I am unable too. Listed below you will find a screenshot! They Equifax have also reported that the start date is XX/XX/2021, instead of the original date it was reported! This is incorrect information and needs to be removed! It has been 7 years! Please delete this from my credit file. They refuse to do so.
Complaint sub-issue: Information belongs to someone else

I sent a request to Equifax Information Services, LLC and XXXX  XXXX XXXX XXXX  XXXX to have various discrepancies on my credit reports properly investigated and to have my information updated on XX/XX/2021 and never received any notice of such investigation from either company. I went online to their websites on XX/XX/2021 and attempted to dispute the information that way and they both are claiming to still be investigating. My credit reports are still very inaccurate and it is preventing me from getting decent credit offers and opportunities as I am currently in the process of purchasing a vehicle.
Complaint sub-issue: Problem getting your free annual credit report

Tried to obtain credit file from XXXX and they have denied me access to my free annual credit department
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

cash app issues. company did an illegal money transfer from my active account to my closed account. they won't resolve the issue and keep giving me the run around. I have money in my closed account and they won't let me transfer it to my active account. please help me.
Complaint sub-issue: Trouble with how payments are being handled

I was shocked when I reviewed my credit report and found late payment on the dates below : 60s days late as XXXX XXXX I am not sure how this happened because I believe that I made my payments to you when I received my statements. I have held this loan with your company since XXXX and I have made all payments on time so my only thought is that my monthly statement did not get to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested to see proof and methods of verification for alleged account that is reporting on my credit reportI do not owe this debt, I requested to see signed contracts between myself and XXXX credit. 

XXXX credit management XX/XX/2019