Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Talked to a third-party about your debt

In XX/XX/XXXX, a judgement was made against me for 2 months of back rent. I was unable to pay for many years. In XX/XX/XXXX, a creditor began reaching out to collect on the judgement. In XX/XX/XXXX, the judgement automatically expired, according to California law. The judgement was not renewed by the creditor prior to expiration. On XX/XX/XXXX I let the creditor know that the matter had expired and asked them to cease and desist collection efforts. On XX/XX/XXXX, they contacted 16 people I know asking for financial records, as well as my current landlord asking for financial information about me.
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/XXXX, one of my elderly relatives located in a different city called me over to their house to inform me that a sheriff arrived at their front door with papers for a lawsuit pertaining to me. Immediately, my elderly relative, who answered the door, came under distress seeing a sheriff knocking on their door. The sheriff served them papers that were related to me. The organization behind the lawsuit was XXXX. XXXX sent Kohn Law Group my incorrect information and are threatening me with a lawsuit. First off, XXXX does not have my accurate information and nor can they prove the credit card debit of XXXX card is still currently an outstanding debt for me. My credit report shows XXXX who sold my account to XXXX XXXX is no longer open and has been charged off as a bad debt. Now XXXX and Kohn Law Firm and their entire basis for a lawsuit is based upon a statement from XXXX. They have no current proof or documentation from XXXX ( My original creditor ) informing them to collect this debt on their behalf. Furthermore, the information that XXXX posses about me is incorrect which is why the papers for the lawsuit were served at the wrong house! I have been living at my address for the past 22 years, it makes no sense for the papers to go to the wrong house. The address listed on the served papers is wrong, therefore, I am attaching the first page of the papers that were received to the wrong address. My reputation and financial information were completely violated. To make matters worse, when I contacted XXXX, asking an employee whos name is XXXX, to prove to me this debt belongs to me or prove to me that XXXX has authorized them to collect this debt on their behalf he hung up. He hung up because he had no information proving this entire debt belongs to me. Before he hung up the phone call, I asked him to provide his ID # or extension and to let me speak to a manager, but instead he hung up. All the information XXXX has pertaining to me is inaccurate as well as this debt. Barclay has written off my account and did not reach out to me to pay them any outstanding amount. XXXX who is working alongside with Kohn Law Firm are trying to pin this illegitimate debt to my name and are threatening to bring me to court. They have also listed my employers information on the court papers as a means of harassment. I do not want XXXX or Kohn Law Firm to contact my employer with this false and illegitimate debt. This is a form of harassment and a misuse of my personal information.
Complaint sub-issue: Public record information inaccurate

The three major credit bureaus are reporting a bankruptcy on my file that needs to be removed. This bankruptcy is well past the credit reporting limit however, it continues to report. I have sent in disputes previously regarding this bankruptcy and it remains on my credit. Under the FCRA the limit to report any negative item is 7 years and my bankruptcy is a lot older than that. This needs to be removed so I can move forward with my financing.
Complaint sub-issue: Information belongs to someone else

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

a company did XXXX credit inq on me with the help of cfpb this company agreed to have these inq removed of my credit and i did an online they are refusing to delete these inq XXXX of them there are also issue with them no updating my score when they have to
Complaint sub-issue: Reporting company used your report improperly

ln accordance with the Fair Credit Reporting act. The Accounts listed below XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) AND XXXX XXXX XXXX XXXX XXXX NUMBER : XXXX ) have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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. States : 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 may 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 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate
Complaint sub-issue: Was not notified of investigation status or results

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Complaint sub-issue: Didn't receive enough information to verify debt

This company can't provide me any documentation that this account is mine. No signed contract. I have written to this company asking for them to prove to me that this info is accurate and it really belongs to me. I have not received anything. They have put a collection on my credit reports and I want the entry removed immediately. This is a bogus company and I need this issue to be resolved ASAP.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Hi on XX/XX/XXXX I noticed an email from this company stating they reported on time payments with them. I emailed and asked what is the service because I do not recognize the company nor do I recall signing up a virtual subscription credit limit of {$17.00}. I asked for the account to be deleted and cancelled. As of now they havent done so and instead of rectifying the problem over XXXX representatives have emailed me about not closing the account and telling me that I had to have sign up for the account. Again I do not recall it and neither have seen this on my credit report. Now I asked for a PASSWORD RESET. It said the reset code will go to a phone number. I DO NOT HAVE ACCESS TO THE PHONE NUMBER ASSOCIATED WITH THE ACCOUNT and I told them that XXXX. So how can I close an account if i dont have the phone number nor do I know the phone number and no im not updating the account nor information to do so. Therefore I asked them to cancel the contract and close the account since they are the ones who can see what Im not able to see. They are the ones sending out emails talking about congrats on an on time payment when Ive NEVER used this at all. They claim it was opened in XXXX and again. I do not recall such thing happening nor me doing it. What is so difficult about closing an account? I also gave the dob and zip code and this support person says they will get back to me when they are able too. Like look XXXX nobody has all day for the XXXX Delete and get this over with.
Complaint sub-issue: Frequent or repeated calls

This complaint relates to Flagship Credit Acceptance ( referred to as " the Company ''  below ) is twofold : 1. The first part relates to the company 's conduct at routine times when a payment is late, where the company employs dialers and repeatedly calls consumers to attempt collection of debt even if they are on a no call list and have opted out of such communications. They justify this by forcing an " acceptance '' to such communications at the time of speaking to a representative by placing the " acceptance '' as a condition to having a conversation with the representative essentially preventing customers from resolving such issues while exposing them to the added stress of repeated calls if not addressed. For a customer who suffers from XXXX this isa serious issue with no resolution. 
2. The second part relates to the company 's conduct during this COVID-19 crisis. As a self employed individual who has always made sure to make my payments on loans despite having gone through medical and financial hardships, I reached out to the company for a deferral of the payment for XXXX. Their response was ( unlike other financial companies who sincerely try to assist customers during this time ) having the agent on the phone play a recorded message explaining that such a deferral ( if approved ) will result in additional interest and fees ( essentially no different from simply paying 30 days late and suffering the consequences ). Separately, the company refused to even put in a request for such a deferral as I wouldn't provide them with an additional contact person they can call in the event that I miss a payment - despite my explaining that I have no one for them to call, I live alone with family overseas. 

Important to state is that this company has been charging an aggressive interest rate of almost 20 % for my car to begin with. In short - Flagship Credit Acceptance takes cynical advantage of their customers - especially during such challenging times and refuses to genuinely provide assistance - even to loyal, paying customers such as myself - who are self employed, alone and without other options. 

I sincerely appreciate your assistance.
Complaint sub-issue: Information belongs to someone else

I have tried to contact Equifax several times to have an accurate report. Unfortunately they insist on reporting wrong information. Please help me. At this point I am having trouble getting credit balance is shows. Again I have made equal aware of this for over a year and they insist on making it hard for me to get credit knowing because of it I am struggling with my business. They are doing this on purpose because I have made them award several times and now they are duplicating collection accounts so it shows my credit is very bad.
Complaint sub-issue: Charged too much interest

I purchased a sound system for my vehicle ( XXXX XXXX XXXX ) on XX/XX/XXXX, with a company named Brandsource and it was a charge of {$1900.00}. I never received a credit card so I couldnt check my account and i wasnt received paper balances for some months. I called them multiple times and asked for them to ship me a new card because you cant access your online account unless you have a credit card available. After multiple attempts I gave up and assumed that I was almost done paying it off ( my monthly payment was $ XXXX/month and I paid $ XXXX/month ). I get a statement in XX/XX/XXXX and when I checked the balance it said that it was at {$1700.00} dollars left on that balance and that they charged me {$1000.00} interest in 1 month. I was furious so I called my legal service and had them send Brandsource a letter. This took place on XX/XX/XXXX. That is when they sent the letter out and I have yet to receive anything back from Brandsource and Neither has my Legal provider.
Complaint sub-issue: Can't close your account

PNC Acct info : Reserve - short-term savings XXXX - {$390.00} PNC says they will close my account - This is the acct that I use, this is my only acct - how will i pay my rent, how will i pay my bills, I tried to work things out with them but they refuse. 
Can you help I'm currently a XXXX and I have really tried to call, and speak with the reps, I've tried to email the manager - No response
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Information belongs to someone else

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered several inquiries that I have no knowledge of. 

Because I did not apply for credit with 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 'S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all of these named inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.
Complaint sub-issue: Company closed your account

Around XX/XX/XXXX, I was issued a secured credit card with Citibank with a deposit given of {$2500.00}. 

On XX/XX/XXXX, Citibank closed my account without any warning whatever. They refused to give me any information why they closed the account. 

After the closing of the account, I made 5 requests that Citibank refund my {$2500.00} security deposit. They told me that it would take time to process the request. I was further told to call back.

Finally, on the 5th phone call, Citibank told me that they issued the check and mailed the refund on XX/XX/XXXX. I waited until XX/XX/XXXX and still no check. I then called to follow up and Citibank, who changed their story and said the check was mailed on XX/XX/XXXX in contradiction to their prior statement. 

I asked to see a copy of the check showing the date and/or a mailing confirmation and Citibank refused. They said they could not send any confirmation of either the check or the date they allegedly mailed the check. 

I spoke with Employee ID XXXX. To date, I have no refund check.
Complaint sub-issue: Investigation took more than 30 days

An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.
Complaint sub-issue: Investigation took more than 30 days

This is my fifth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Citi bank has opened an credit card that I did not open, they did no diligence in verifying address 's that i have never lived at or near. opened the account and added the address to my bureau and have not worked to remove and close said account in a timely manner
Complaint sub-issue: Information is not mine

How many times do I have to tell the special people at Equifax that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, that IS A LAWYERS OFFICE AND NOT RESEDENTIAL. That proves right there that XXXX XXXX XXXX account is not mine. Also, I was told on XXXX XXXX that nothing was ever reported to you, more holes are opening in your story then there are holes in city streets. I also want to know why XXXX XXXX XXXX told me the account was closed in XX/XX/XXXX and you said XX/XX/XXXX, how are you people allowed to even be in this business? Next, as of XXXX XXXX, XXXX XXXX has told me they never communicated with you, funny how they will verify information to you and not me. Next, XXXX XXXX XXXX should have never and should never be reported as it is not mine and was discharged in settlement. Lastly, XXXX XXXX XXXX has informed me that they have requested their information be removed from my report due to a pending lawsuit against their client that they did not want to be involved with so why is Equifax keeping them up there. I want to repeat this one point again, I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, THAT IS A LAWYERS OFFICE AND NOT ZONED RESIDENTIAL!!!!
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I paid off a collection XXXX XXXX XXXX  in the amount of {$330.00}. They agreed to report to all 3 major credit bureaus that the account was " paid as agreed '' and to have to have it permanently removed from my credit report. So far the only bureau it has been deleted from is XXXX XXXX. Equifax and XXXX  it is still showing as UNPAID. I have called the collector and the amount was paid on XX/XX/XXXX. It's almost been a month and I would like to have this trade line permanently REMOVED from Equifax and XXXX. I have a attached 4 documents. ( 1 ) A photo copy front and back of check, ( 2 ) a screen shot of USPS proof that it was delivered, ( 3 ) a screen shot from Equifax showing it is STILL showing on my credit report, ( 4 ) and a screen shot from XXXX  showing it is STILL showing on my credit report. Thank You.
Complaint sub-issue: Don't want a card provided by your employer or the government

This is an Unemployment Benefit FRAUD claim XXXX XXXX/2020 I received a US Bank XXXX card from the Colorado Department of Labor . I am not a resident of Colorado. I am also employed and did NOT apply for this card. I have been trying to get intouch with the bank USBANK and there is no option for fraud to cancel the card. Voicemail options are limited and I didn't want to accidentally authorize the card. Frustrating, honeslty, that you can't speak to a person and then VM hangs up on you. 

I don't know how filing this complaint is going to help me turn this card off. 

The CFPB has given me phone numbers to call to investigate identity theft. I am doing all of that next.
Complaint sub-issue: Account information incorrect

This will be my third time which the first time was in XXXX and the second time was in. XXXX. The third time is in XXXX  and I am requesting to take an account off my report for incorrect information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of XXXX. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the pay off balance on the account. Date of last payment made was ruled as XX/XX/XXXX which is also incorrrect per the creditor. FCRA states that if any information is reported inaccurate they have to take it off. ' account # XXXX****
Complaint sub-issue: Account status incorrect

I previously filed a complaint related to Equifax reporting inaccurate information on my credit report. 
The most recent errors involve XXXX creditors XXXX XXXX XXXX  and XXXX XXXX fed credit union accounts reporting without the closing dates. Due to these creditors showing as open and not closed, the accounts are negatively impacting my ability to secure housing and new credit. 

Most recently, XXXX XXXX XXXX updated me with the correct reporting information via letter. I submitted that letter to Equifax and they opened another dispute and investigation. After XXXX investigation they updated me that the account should be opened according to XXXX XXXX XXXX. How is this possible! I provided Equifax a letter from XXXX stating how the account t should be reporting and that Equifax was the source of the error NOT XXXX XXXX XXXX. 
Equifax has been extremely unhelpful to me as a consumer and I am seeking legal counsel for guidance to hold Equifax accountable for their lack of assistance in correcting and reporting accurate information on my credit report