Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX  ( XXXX  ) Names : XXXX XXXX XXXX ( Equifax ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( Equifax, XXXX, XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( Equifax, XXXX, XXXX  ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( XXXX  ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$3500.00} XXXX  ( XXXX  ) Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX XXXX Equifax ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( Equifax ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax and XXXX  ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax ) Bal : {$160.00} XXXX  XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax ) Bal : {$120.00} XXXX  - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$100.00} XXXX  - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) BAL : {$0.00} XXXX XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( Equifax & XXXX  ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$0.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX ( 2 TIMES )
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

accordance with the fair credit reporting act XXXX  Account 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

On yesterday XX/XX/XXXX I spoke to XXXX and XXXX at XXXX  and immediately referred to me as XXXX XXXX twice and made no effort to correct this and trying to attach me to a loan that I did not make written authorization to on XX/XX/XXXX. If Illegal XXXX Immigrant XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX are using several names to get money in my name he should be reported to the XXXX police XXXX XXXX police chief whom has authorized investigations in the past on this but were led to believe by the amanzes and his supporters that they bought the house for XXXX from XXXX XXXX XXXX  at an foreclosure sale. You must take action, please provide the cfpb from this complaint with the true facts and inform them the reason why XXXX XXXX would like for me to refer to a loan number that you gave me XXXX if I have never done business with XXXX XXXX in the past. although, I would be interested in an pathway to getting this resolved and removing the false information from my record immediately.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX sc XXXX XXXX. States I have the right to privacy. 
XXXX XXXX sc XXXX XXXX. states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 
In accordance with credit reporting act the following accounts on my report violates my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Debt was paid

The company Americollect was notified that this debt was paid thru the hospital thru financial assistance/charity and still reported it to my credit after receiving proof of this
Complaint sub-issue: Account information incorrect

Equifax has been reporting the wrong information about me. They have no reason to lower my score. I've never missed a payment on my credit cards and now because of them XXXX has lowered my balance and there is no reason. They said it was lowered because of Equifax. What is the point of having credit cards and paying a yearly fee if when you use them you get your score lower.
Complaint sub-issue: Trouble with how payments are handled

Through learning of a different student loan company being sued, I learned of this resource and thought I would attempt to have an old issue resolved. A long time ago, I made XXXX payments of {$50.00} each that were taken out of my bank account and never appeared on my account as a payment. Not long after realizing the payments never appeared on my account, I contacted Nelnet and was directed to the part of the website where I could view my payment history ( which I had obviously already seen if I knew the payments did not post to the account ) and was given generic information about payment processing times ( which had long since past ). Frustrated, I had long since given up on getting this resolved, but in light of the news about another student loan company systematically mishandling payments, I have decided that I do n't want to allow this problem ( and my hard-earned money ) to just disappear. 

The first payment, made XX/XX/2015, had a confirmation number of XXXX. The second payment was made on XX/XX/2015 and the confirmation number is XXXX.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX was paid off on XX/XX/2021. They submitted a trade line request to have it removed from my credit report on XX/XX/2021. I called Equifax on XX/XX/2021 and was informed they had not yet received it. I called XXXX that stated it was submitted on XX/XX/2021. I am waiting to apply for a mortgage once this is removed.
Complaint sub-issue: Threatened arrest/jail if do not pay

Threatened of being taken to jail. 
I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.
Complaint sub-issue: Account information incorrect

I had leased a XXXX XXXX XXXX from XXXX XXXX which ended up in a total loss and was paid off by my insurance. XXXX XXXX  keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score. Please update all credit bureaus balance to {$0.00}.
Complaint sub-issue: Account status incorrect

I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} 15 USC section 1681 a ( i ) ( 2 ) states medical information about the consumer can not be furnised 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a2 states a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a2 states a consumer reporting agency can not furnish an account without my written permission Fraudulent inquiries -- -- -- -- -- -- -- -- -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have sent over MULTIPLE letters, disputes and made too many calls to count. I have verified my identity, sent in documents from XXXX XXXX that my file was compromised. whomever hacked in through my bank has my driver license number, address, social security number, birthdate, account number and anything eles that was on file. 
I have done everything the credit reporting agency has asked and more and they will not remove these items. Pleas someone help me!!!!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After filing a complaint with your office regarding an incorrect collection account on my credit file, I received notice from you and from the collection co ( XXXX XXXX XXXX ), I called Equifax and they refused to confirm for me that it was removed from my file. Your complaint number is XXXX. I spoke to two representatives with Equifax today, and both gave me the run around and refused to provide me the information I requested. They said I needed to send documents in to confirm my identity, even though I already sent in my drivers license, ss card, etc. at an earlier date. After I did that, that is when i found the incorrect account. I provided my current address, previous address, ss #, full name, and date of birth to them, and they still refused to simply confirm the removal of the illegal collection account.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Paid off Vehicle in-full at Bank Branch in Maryland more than 45 days ago, and called Customer Service 20+ Times over the same time span. Consistently receive different information that the " Lien Release '' has already been mailed, that it was already processed, that it's never been processed, etc. Considering contacting state Attorney General since PNC is likely operating outside of legal limitations to release Lien after Vehicle has been fully paid off!
Complaint sub-issue: Problem with fees

From XXXX  through XXXX, I was travelling abroad ( XXXX and XXXX ) for the first time in many years. While I was travelling, I used the Citi Thank You Rewards credit card to pay for transactions, unaware that usage of the card would trigger foreign transaction fees of 3 %. While on my trip, I used the Citi Mobile App to track my transactions. I was careful to review the exchange rates and any potential additional fees associated with those transactions. During my 10 days abroad, none of the transactions I reviewed in the Citi Mobile App appeared to be subject to foreign transaction fees. There were no foreign transaction fee line items nor any language in the app about the potential for foreign transaction fees. It was not until my billing cycle had closed and a billing statement generated that I saw one large line item for foreign transaction fees at the bottom of the billing statement. Had I seen those fees in real-time on the app, I would have stopped using my card immediately and instead used cash or a different credit card. It is a deceptive practice of Citi to not post fees in a timely manner to customers ' accounts. I have had the Citi Thank You Rewards card for many years, and it is unreasonable to expect that I would remember all the terms and conditions of the card, especially in the case of foreign transaction fees, because I do not travel abroad often ( in fact my last trip abroad was over 5 years ago ). I called Citi on XX/XX/, spoke with a service rep and a supervisor, and discussed my concerns and they refused to waive the fees despite the fact that I have been a loyal customer, have always paid my bills on time and have excellent credit.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Received bad information about my loan

This dispute involves incomplete and inaccurate information on my credit reports with XXXX loans from the same creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All XXXX have the same address. It is XXXX. XXXX XXXX, XXXX, WI, XXXX, phone number XXXX. 

The account numbers are XXXX ... XXXX ; XXXX ... ./XXXX ; XXXX ... ./Great Lakes XXXX ; and XXXX ... XXXX. 

XXXX of these loans are closed, paid in full with zero balances. Yet they are still being reported as " Adverse '' or " Negative '' with all credit bureaus except XXXX. They have been all removed with XXXX ( copy attached ). 

When I called the creditor 's toll free number listed above, XXXX was unable to find any accounts under my name. 

Please delete all XXXX accounts on my credit reports. 

XXXX account shows an outstanding balance of {$2400.00} as of XXXX XXXX. I owe nothing on this account. I have never received a bill yet it is being reported as current making monthly payments. 
I received a XXXX waiver from the XXXX XXXX. of XXXX dated XXXX XXXX, 2014 ( copy attached ) which wipes out all my student loan debt. Yet XXXX account, XXXX ... .under the credit name of XXXX XXXX XXXX XXXX shows an outstanding balance with XXXX late pays in its payment history.
Complaint sub-issue: Attempted to collect wrong amount

Since XX/XX/XXXX I have tried to communicate in writing with XXXX XXXX and their hired company namely, Johnson Mark, LLC. I have largely been ignored and would love for them to respond to my many letters since XX/XX/XXXX the last one dated XX/XX/XXXX. They continue to say that I have late payments yet they will not respond to my requests to negotiate the overly fee inflated balance they have incurred on me. I simply would like to negotiate the remaining {$2400.00} I owe this company.
Complaint sub-issue: Investigation took more than 30 days

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Investigation took more than 30 days

This is an issue Discover was going to handle a long time ago. I was recently looking at my XXXX XXXX and noticed it is saying XX/XX/XXXX I applied or signed for some type of thing with there bank or credit card. I had called them XX/XX/XXXX and this was all told me it would be solved. I had no idea this was still on my report. 

I did not do this. This was fraud and not authorized by me. I was informed this would be off my credit file but for some reason it is still showing up on my XXXX and XXXX and other credit reports. I had just called them to try to understand and they have no knowledge or any card or inquiry from there customer service team. I called them XX/XX/XXXX was the recent call. I asked them to put on the notes and if they could remove them. I was getting run around answers. 

I do not have an account with them. I did not have an account with them. I did not apply for any account with them. I am hoping someone here can help resolve the situation and fix this so my credit report is correct.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX  XXXX {$3000.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX  XXXX {$0.00}
Complaint sub-issue: Debt is not yours

I used to have phone services with XXXX XXXX when I lived in XXXX XXXX. I move to XXXX in XXXX and had disconnected the service. The phones was traded in with XXXX  which, according to XXXX  paid the total of {$1800.00} to XXXX for switching carrier. XXXX contacted me multiple times in XXXX and reported the matter to the credit reporting agencies. I did file a complaint with the XXXX XXXX XXXX. I sent them a statement from XXXX that the phones were paid off. The matter was settled and the collection notice was removed from my credit report. 

On XX/XX/XXXX, I received a call from Jefferson Capital System, located XXXX XXXX. XXXX  MN and they indicated that they were a debt collector. I told them that the debt was invalid. On XX/XX/XXXX, I received an alert of a COLLECTION by Jefferson Capital System - XXXX XXXX XXXX XXXX, XXXX XXXX  MN XXXX on my credit report in the amount of {$1800.00}. This is a FRAUD as they are pressuring me to pay {$1800.00} which I do not owe. 

Sincerely, XXXX XXXX
Complaint sub-issue: Threatened to sue on too old debt

Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of Minnesota and Ohio.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute with credit karma on XX/XX/2022. They informed me that the dispute should be resolved by XX/XX/2022. However, its now XX/XX/2022, and the dispute is still processing. Its now gone over the 30 days allowed and I would like this removed from my credit report. I tried contacting credit karma but Ive gotten no answer or call back. The agency I disputed is called XXXX XXXX XXXX in XXXX, MA. Please help as I dont know what else to do.
Complaint sub-issue: Information belongs to someone else

What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, XXXX XXXX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

Started getting emails. 

Contacted " original ' " creditor. '' They stated they never sent this in for a collection. 

This company is a scam.
Complaint sub-issue: Used obscene, profane, or other abusive language

I was contacted repeatedly from a rude guy who works fo r Hunter Warfield. I asked that he do not contact me, stop calling but calls continued. I do not have a signed contract with Hunter Warfield.