Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have stated that the following inquiries where done by someone who had stolen my laptop all were done online without my knowledge or authorization. Please Delete all the unauthorized inquiries listed below. 
XXXX - XXXX XXXX XXXX on XX/XX/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 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 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 XXXXXX/XX/XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I do not have any agreement with Jefferson Capital Systems as well as received any notice to the alleged debt. Both actions from this debt collector are in violation with 15 U.S. Code 1692.

Ive attached a document that I have tried multiple times to get to Jefferson Capital Systems and did not receive any reply.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$86.00} XXXX  XXXX XXXX {$1100.00}
Complaint sub-issue: Don't agree with fees charged

I attended XXXX and agreed to pay towards a loan while I was in school in order to remain an " active student ''. I agreed to pay this loan so that I may receive an education. As of XX/XX/XXXX, the school closed down. With the school closing down I unfortunately did not receive the purposed education. I am no longer attending school and have been asked to make payments starting XX/XX/XXXX. Because I was unable to finish, and I did n't receive an education, I do not believe I should be expected to repay any amount of that loan back.
Complaint sub-issue: Problem with statement of dispute

XXXX is claiming owner ship of my morgage. 
my morgage in the XXXX district court is owned by XXXX XXXX. 
Even though I have never received a transfer notice as required by law frim XXXX XXXX. 
please find with this complaint copies from the XXXX district court snt to me by XXXX
Complaint sub-issue: Unexpected increase in interest rate

XX/XX/XXXXIn XX/XX/XXXX my husband and I went to the sears store to purchase a refrigerator and we wanted to use our current citicard to make to the purchase. BUT the sears sales person insist that if we apply for a sears card there will be no interest charged for the full purchase $XXXX (the total charge for the fridge), and we would just make our monthly minimum payment.I setup bill pay on my bank account because I travel a lot and do not want to miss my payment.OnXX/XX/XXXX after returning from my travel, I received a sears bill in the mail. I opened it and noticed the there was interest charged. So I called immediately and spoke to Mr.  XXXX  about the situation. He explained that not only was I charged for the last two months but I was also charged differed interest for the last years totaling XXXX  interests that are added to my total balance. I WAS VERY DISAPPOINTED BUT he could do nothing to resolve the situation.So I was transferred to supervisor XXXX  (ID XXXX). But he refused to acknowledge that the sales rep did not disclosed all the facts and refused to reverse the interest charges.on XX/XX/XXXX  I spoke to ACCOUNT managers MISS XXXX  MISS XXXX,  MISS XXXX   Miss XXXX  and other customer service Mr. XXXX, Mr. XXXX and all of them refused to address the matter and resolved the issues. SEARS SALES REP LIED TO US This sears citi card company are cheating the American people by not disclosing all the fact and are lying to their customers to get them to sign up for their store credit card(claiming there is no interest charge for the total  purchase but later start charging interest). This is their CHEATING SCHEME.  Cfpb PLEASE HELP STOP THIS CHEATING. THANK YOUSincerelyXXXX and XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Lexis Nexis, XXXX, XXXX, and XXXX, have violated my rights. I have also been told previously that it has been verified through the courts which are not true and I have verified with the courts that they do not verify this information with the credit bureaus or any other entities. My rights have been violated under the FCRA laws below and I have the right to privacy. I have asked that this be removed from my credit report multiple times due to the FCRA violations and the inaccuracies that are included. 

15 U.S.C 1681 section 602 A. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers 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 There are also multiple errors on my credit report in regards to this listing such as the reference #, court name, and filing date which violates my rights.
Complaint sub-issue: Can't close your account

Ive contacted Bank of the west for the last 2 months trying to get erroneous fees reversed on a dormant account that Bank of the West required I open in order to obtain a loan on my RV from them. 

I have called and spoken to the XXXX, CA branch manager only 1 time which took more than a dozen phone calls, her name is XXXX XXXX. She would not return any fees or close the account at my requests and has not provided another avenue to get this accomplished. 

I then called XXXX 's regional manager, XXXX XXXX at XXXX multiple times in the last month about the account that was opened and Ive wanted to close because the fees you are charging for it. Again, the loan department required I open it and said it would be free but they are charging a monthly fee. I dont want to pay for an account that is not needed. Ive asked for the charges to be reversed and the account closed because its not active. Both XXXX XXXX and XXXX XXXX at XXXX branch wont help me and I continue to be charged for an account I can not get closed.
Complaint sub-issue: Information belongs to someone else

I was never warned by XXXX XXXX that they would do a hard inquiry and I have no goods from them that wer n't paid for in full at the initiation of service. They only had my name and last 4 of my Social and were able to do this hard inquiry without telling me. 
This is what it looks like on my Equifax report : XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies This inquiry could stay on your report until XX/XX/XXXX. 

No contact information has been reported by this creditor.
Complaint sub-issue: Other problem getting your report or credit score

My lender tried to pull my Equifax report and was unable to. I usually use XXXX to check my XXXX and Equifax, so I created an Equifax account to view my credit information. I put my social in and they are saying I dont exist. I clearly do as I have credit cards, student loans, and an existing mortgage. I called XXXX times already with an attempt to verify my identity information in order for them to even check if my SS is correct. All XXXX times their automated license verification system failed. I have resorted to sending them a fax or my Drivers License and Social Security as they requested. I would like answers how this is possible when XXXX is able to show my a daily checked Equifax score with all my accurate accounts.
Complaint sub-issue: Investigation took more than 30 days

Reason : XXXX and Equifax said that they have investigated these two accounts on my credit report but failed to correct inaccurate information such as late payments on XX/XX/21 never receive a response from them until XX/XX/21 30days after the initial dispute. These are the two accounts that list late payments on my credit file Account # XXXX, Account # XXXX, Account Number xxxxxxxx XXXX, and Account Number xxxxxxxx XXXX. I put in a previous dispute online on these two accounts but comes back as verified, I called the two creditors about these issues and ask them to update this on my record but they also failed to do so. I don't think these late payments on these two accounts are right. XXXX failed to verify.
Complaint sub-issue: Company closed your account

I've had a great relationship, or so I thought with Discover. They decreased my credit limit!! I've even paid this account off numerous times, and this is the thanks i get!!! They're practically stalking me via my financial information, and I always make WELL above the minimum payment!!!!!!!!!!!! In this midst of this pandemic, this is unacceptable.I 've had lower credit scores and high balances, and now they're doing this to me!!!!!!
Complaint sub-issue: Account status

I submitted a dispute to Equifax for inaccurate information. This inaccurate information included wrong personal information, obsolete public records and inaccurate collection information.
Complaint sub-issue: Debt is not mine

Somewhere XX/XX/XXXX or XX/XX/XXXX my cell phone was stolen and I immediately called the XXXX to inform them of a stolen cell phone. We agreed to keep the phone on to keep GPS signal alive to try to locate the thief while XXXX would monitor any strange calls. That was Saturday, but on Monday I log onto the account and saw that strange calls were made to XXXX, although I am XXXX and I never even been in XXXX or have anybody there. So I called XXXX once again on Monday only 40h after my first call to them and they told me that someone has been making a calls to XXXX in amount of over a {$12.00} XXXX ... ..I just could not believe that XXXX would let someone make in one day over a XXXX calls ... ..and then they tried to held me responsible. Anyway I did dispute the charges and I had peace till now ... after almost 5 years some debt collection agency from Florida ruined my credit score with the debt I never even made. I called them and they said to me over the phone that they will send a Marshall to arrest me in 24 hours if I don`t pay. 
ABSURD!!!
Complaint sub-issue: Account information incorrect

The Credit Bureaus have not been reporting my XXXX XXXXXXXX account timely. The last reporting for my XXXXXXXX XXXX  credit card was on XX/XX/XXXX. As of XX/XX/XXXX, there is no XX/XX/XXXX update. The Credit Bureaus claim XXXXXXXX XXXX  has not provided them with an XXXX since XX/XX/XXXX. Does XXXXXXXX XXXX provide monthly updated account information to XXXX, XXXX and Equifax? If XXXXXXXX XXXX  has Provided account information since XX/XX/XXXX, I am requesting a copy of the AUD ( Automated Universal Data or AUD, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An AUD is used by Data Furnishers who send it using e-OSCAR to all of the credit bureaus. ) If XXXX XXXX did not provide the Credit Bureaus with updated information for my account I am asking why not and what is their reporting policy. When accounts are not updated timely this has a negative effect on my credit score by the following : 1. No credit for a monthly payment 2. Provides a stale balance. Otherwise, I am requesting a copy of the AUD XXXX XXXX  provided to the credit bureau 's for XXXX, XXXX and XXXX of XXXX. 
Additionally, Equifax has routinely refused to respond to my complaints or request stating the identifying information I provided " Does not match their records '' which is a deliberate LIE. Meaning Equifax routinely OBSTRUCTS my ability to correct the reporting they provide to lenders. 
Emailing a copy of this complaint to XXXX XXXX XXXX ( CEO ), XXXX, XXXX XXXX Executive Assistant - XXXX XXXX equifax and other board members so they can not make a PLAUSIBLE DENIABILITY claim as 94 % of Americans believe board-members MUST be personally accountable and I have every intention going after them through the legal system.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax claims to have resolved my dispute and sent my results via mail. However that is false. Equifax never investigated this matter or resolved the issue. Please see attached what exactly is was that Equifax mailed. They did not send any results on a letter claiming to not be able to verify my identity per the re-investigation that was suppose to see place. Also see the date that they sent it.
Complaint sub-issue: Was not notified of investigation status or results

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Complaint sub-issue: Debt is not mine

XXXX XXXX XXXX XXXX dismissed XXXX XXXX XXXX, XXXX judgement for an unpaid balance of {$10000.00} on XXXX XXXX, 2015, but debt collectors from XXXX XXXX continue to repeatedly call me and harass, verbally abuse and swear at me and threaten me with arrest and wage garnishment. The debt do not belong to me. The court dismissed the judgement against me. XXXX XXXX XXXX XXXX, is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.
Complaint sub-issue: Account terms

I closed an account with XXXX in XX/XX/XXXX, and did n't realize I had an outstanding balance. In XX/XX/XXXX I pulled my credit to check up on it and discovered the XXXX balance was put into collections and on my credit report. I immediately called XXXX and paid off the full amount of the balance on XX/XX/XXXX. 

The Balance fell off my XXXX and XXXX credit reports within 30 days, but still showed on Equifax. Since then I have disputed it at least a half dozen times. Contacted the collection agency XXXX used, XXXX, and they assured me they reported it to Equifax that the balance should be {$XXXX}. But each time the dispute comes back as a verified balance. 

On XX/XX/XXXX I spoke with a compliance officer at XXXX and she sent me a verification letter to send to Equifax to prove there is no longer a balance on the account. I submitted another dispute and attached the letter. On XX/XX/XXXX I got the results back from the latest dispute, that dispite the letter, Equifax claims they confirmed with XXXX that there is still an outstanding balance. 

I called XXXX after getting back the results, and spoke with the compliance department once more. They stated they never got an inquiry from Equifax to verify the letter and balance on the account. 

Equifax is clearly not properly investigating this account on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 4 months my requests have been overlooked. Discontinue the stall tactics and please delete the disputed accounts reporting erroneously on my Credit Report. Upon further review of my Credit File, I immediately noted the following : a ) Charge Off account continue to report on my Credit File still indicating a balance, for all I know, Charge Off accounts report 0 balance ; b ) the repossessed account was done illegally followed by illegal reporting on my Credit Report ; and c ) the accounts reported are already deleted from the other Credit Bureau, making me wonder why is it too difficult for the other Credit Bureaus to do the same? Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint requesting that the Credit Bureaus must remove the disputed items completely from my Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00}
Complaint sub-issue: Information belongs to someone else

There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now XXXX is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

XXXX refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with XXXX including my personal checking, savings, and credit card accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On multiple attempts there has been written notices for verification and validation of the debt and alleged account. The creditor Americollect Inc. jas 2 different reporting inquiries for the following alleged account ( s ) : XXXX, XXXX for an alleged balance of {$660.00}, {$660.00}.
Complaint sub-issue: Information belongs to someone else

I believe my credit report is mixed with my XXXX, who shares a very similar name to me. On our credit report, we have both of our credit history on there ( including auto loans, credit cards, etc. ) Our social security numbers are one digit apart so I can imagine why the mix up happened. We have tried to contact the three credit bureaus and sent in information to prove that we are two different people but still with no results. They are also very hard to reach in general and do not follow up with us ( even though they said they would ). Our mixed credit report is blocking me from being able to change my last name ( to my husband 's ), as well as preventing our ability to buy a home.
Complaint sub-issue: Investigation took more than 30 days

The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by ( date ), then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello I have a major issue with discover I have been a long standing customer about 6yrs and I have never miss a single payment. Though I have been a loyal good paying customer my loyalty has never paid off. My credit limit has been and remained at XXXX. 
With that being said there continues to be an unauthorize charge on my account from XXXX XXXX XXXX for XXXX. I immediately reach out to discover to dispute this transaction as I didn't authorize this charge. They dispute the transaction pending investigation. At that point I contact XXXX XXXX and ask them who authorize them to charge my card they claim my card was on file which was not true. Why would i have a card on file that has a XXXX limit and you charging XXXXSo I told them remove my card and never charge it again on a recorded line. However I'm confused as to why Discover would even let the charge go through of XXXX when they only have me at a XXXX credit limit then allow that account to be over drawn. I called discover and explained the situation they say well even though I told them to not charge my card they still can charge it. That makes no sense to me that tells me anybody can go into my account and charge as they please and I'm on hook for the bill. So Discover put the amount back on my card so I end up paying it based on me calling XXXX XXXX to not charge it again. I check my Discover on the XXXX to make a payment and there it is again another charge for XXXX from XXXX XXXX now this is really getting out of control Again why did Discover allow the charge to go through now my account is back over the limit so i dispute again they take it off and place it back on. How is this legal a company can just charge your account as they please even though I have a email stating this is a one time use of the card and they continue to charge it and Discover fails to block the charge and allow it to go through.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a XXXX attending classes online through XXXX XXXX XXXX. I have received several loans to pay for my schooling. I am also employed by the XXXX XXXX XXXX, which has a program that I am enrolled in which qualifies me to have deferred payments every year. I have taken full advantage of this program which helps me out a lot. I recently checked my credit report and was surprised to see all of my loans were reporting ninety day late payments. I spoke to the customer service department back in XXXX of this year and they assured me that the late payments would all be removed. it is now XXXX and the late payments are still reporting.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.
Complaint sub-issue: Reporting company used your report improperly

I previously ... several weeks ago ... requested all 3 credit reports from the CRAs  as they refused to send 2020 reports. 
So I did receive those reports and applied for a loan which XXXX XXXX rejected which I expected but also sent me a letter telling my credit reports were frozen ehich I never requested from Equifax. 
I do not know if all 3 reports are FROZEN or just Equifax. 
This was NEVER requested by me I did ask for complete credit profiles however. Today is XX/XX/2020 Thanks XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

They are furnishing this account on my consumer report. 

XXXX Account Number : XXXX 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 instruction 15 u.s.c 1692c 15 u.s.c 1692b 15 u.s.c 1681 section 602 A. States I have the right to privacy.