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

On XX/XX/2021 I received a notification from XXXX I opened it up to fine a collection on my credit report That was unfamiliar to me. I called the collection agency by the name of Stafford Group associa. A gentleman answered the phone by the name of XXXX XXXX, I explain to him that I was calling because received a notification stating that I had a collection from his collection agency he stated to me that the original creditors was XXXX and that he took over the debt and the sum of {$9300.00}. I explain to him that I never had an account with XXXX I explain to him that this must be a big mistake he then became very hostile stating that he was going to sue me if I didnt pay the money XXXX try to explain to the man that this must be some type of identity theft because I had no idea who he was, and I had no idea about a company named XXXX. I asked the gentleman to send me some type of verification because he had no right to put a bill on my credit report without verifying it with me.he told me that he can do whatever he needed to do to get his money and hung up the phone on me. I called to XXXX and filed a identity theft report, I went to The police department and filed a report I also filed a Identity theft complaint with the federal trade commission. Upon further research this account was transferred/ sold By the original creditor, Debtors Creditors did not verify this collection also there Was no written form of communication contact or written signature for this accused Debt at all. A bill without a written signature does not validate the Debt, and anyone can send a bill and say its mine according to the FCRA Stafford group associate has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Complaint sub-issue: Didn't receive notice of right to dispute

I am the middle of a financial transaction ( buying and selling a house ) But 3 days before my closing a collection account was enter to my credit report. But that collection was already paid 3 years ago. 

This information create a chaos, since they are reporting a high balance, XXXX got my money long time before I was even in collection
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. A company called Vance and Huffman LLC added a fraudulent account to my credit profile on XXXX, XXXX, and XXXX. I immediately called them and told them that this account was fraudulent. I asked them to send me any paperwork that they had that I could turn over to the police to help them better their case in finding who has been using my identity to gain access to my credit. The company refused to do so and will not remove this fraudulent account from each Credit bureau.
Complaint sub-issue: Information is not mine

In 2010, My identity was stolen and used to receive {$4000.00}. under a school loan. ( see attached documents ) Equifax, is refusing to remove accounts asserting they 're " verifying my dispute as accurate '', however I 've sent document 's proving my position and dispute to them. Yet have failed to provide me with a copy of any viable evidence as such. I 've advised repeatedly via certified mail over a dozen times that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Requesting the name, address, and telephone number of each person contacted at U.S. DEPARTMENT OF EDUCATION regarding this alleged account. I 've explained : The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Equifax continues their noncompliance violating : ( see 15 USC 41, et seq. ). Constituting : 1. ) Defamation 2. ) Negligent Enablement of Identity
Complaint sub-issue: Reporting company used your report improperly

XXXX is reporting an UNVARIFIED Chapter XXXX bankruptcy on my credit report based on information that they received from a third party agency LexisNexis. Under the FCRA, XXXX XXXX Agencies XXXX Credit Bureaus XXXX must provide a copy of the verifiable original creditor documentation if it is requested properly by you the consumer. Since they can not provide proof of verification to you in the form of a physical contract document per your written request to do so the account is classified as UNVERIFIED and under the FCRA all UNVERIFIED accounts MUST BE DELETED. Whether the account is correct or not makes no difference. If the CRA can not provide you physical verification of the account it is an UNVERIFIED account and MUST BE DELETED. Per clerk of the court of the United States Bankruptcy XXXX XXXX And XXXX XXXX of Texas, they do NOT verify bankruptcies for anyone and that is indicated in the attached letter from the court. Companies such as LexisNexis and XXXX are considered third party verifications and NOT actual verifications from the court. Due to the fact that this bankruptcy has NOT and can not be verified via the ACTUAL court, I am requesting and demanding that this bankruptcy be removed from my credit report immediately.
Complaint sub-issue: Company closed your account

I submitted a compliant today regarding the closing of my Citibank XXXX XXXX XXXX card. I found the service agreement. It doesn't state you could close my account based on the reason provided. I will get an attorney and sue your company if my account isn't opened back up. This isn't fair. I will continue to fight this until my account is reinstated.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently received an answer to a dispute which state that the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX XXXXXXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Today approximately XXXX I had a missed call from an unknown number. 3 min later a family member called to notify me of an important documents needing to be served and to call XXXX with reference number XXXX. At XXXX I was having lunch with my children, whom overheard the entire conversation. I was on the phone ( for 37 min. ) with a person who called themselves XXXX XXXX from XXXX XXXX. He had quite a bit of information on me, claimed I was " part of a lawsuit '' with US BANK for an unpaid amount of {$3.00}, XXXX and they were going forward with it. He said he could contact someone on my behalf to see if they will accept a payment, since I hadn't been served yet. He had me on hold a few times with back ground music. He claimed they accepted my settlement offer and that I had two options. I could either make 3 monthly payments of {$1.00}, XXXX, or pay one settled lump some of {$970.00} today. I felt panicked, scared and under pressure. I felt i had no choice to pay the XXXX out of fear. He got my debit card information and had me sign some documents via email through an online signature website. It wasnt until I got home to over look the confirmation emails and realized the full amount of the " amount owed '' was different than what he told me. 

I have two emails from him, both different accounts with two different names used. Ive gathered some information on him and previous scams that describe this exact situation with the same people via XXXX They claim to be XXXX XXXX, with no address or phone number. Only a fax number of XXXX XXXX XXXX XXXX. The " personal '' email address he claimed was his was XXXX. The email he used to collect my signatures was from XXXX XXXX at XXXX. They used XXXX. 

The other phone number of XXXX XXXX is XXXX. 

According to other reports, another business number is XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX other names used were XXXX XXXX.
Complaint sub-issue: Account information incorrect

On XX/XX/2020. I received an alert for updated status on my credit report regarding a dispute I did on XXXX XXXX XXXX. I had an account showing as charge off, although I didn't owe that account. After disputing early XXXX, on XX/XX/2020, XXXX XXXX XXXX updated the credit bureaus. However ; the charge off status was removed but, the account remained and with a open balance of {$490.00}. I still don't owe that amount. This is an open checking account and it was never closed or charged off, no balance owing. ( I'm attaching copies of bank statements for XXXX, XXXX, and XXXX showing the account without that balance owed. However, XXXX and Equifax still is reporting it as such as if it was a revolving credit. Equifax is even showing it as if it was a credit card with a high balance of {$490.00} which is not accurate. This is an open CHECKING account. I have disputed it again from XXXX XXXX XXXX, and XXXX  and Equifax through XXXX XXXX XXXX. This is affecting my credit score for my debt to income ratio.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # 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: Was not notified of investigation status or results

Per tracking, its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC XXXX XXXX  reporting a higher balance and the credit limit is $ XXXX but reports I owe $ XXXX I dont know this company. I dont owe these companies
Complaint sub-issue: Information belongs to someone else

Its been 30 days since I have sent in my 30 days to comply for invalid information on my credit report. I sent a letter on the XXXX, and XXXX  I haven't heard anything back after the 30 day time period, and I still haven't heard anything back. By law I understand you guys have to comply with my request of deletion of the negative items I have listed.
Complaint sub-issue: Seized or attempted to seize your property

There is a company called  XXXX   XXXX   XXXX   XXXX  ... a foreign  XXXX . They have come into our state buying defaulted mortgage debt without a license by the Department of Consumer Affairs and they are using the courts of this state to collect these debts without a license. They present themselves as " Lenders '' without a lender 's license ... they are in our state 's Supreme Court a nd federal co urts filing illegal foreclosure actions because they buy these debts in default without a debt collection agency license ... they are in cahoots with another company called   XXXX   XXXX   or  Jem Cap ... .. the people of this state do not know or are not well informed of legal and / or lilegal debt collection practices and the laws of this state which protect us. A complaint has been filed with the Department of Consumer Affairs and this company has not responded as of yet ... the DCA can not enforce a response but your agency can ... if not maybe you can forward this complaint to the FTC ... they are running amok i n our State against our citizens, under the radar.
Complaint sub-issue: Reporting company used your report improperly

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS XXXX XXXX XXXX XXXX Opened XX/XX/2022 for {$930.00}, XXXX XXXX XXXX XX/XX/2022 for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 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 ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit.

personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Complaint sub-issue: Reporting company used your report improperly

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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.

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 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to the bureaus about some inaccurate items showing on my credit report. It has been over 60 days and I have not received a response. I have done what I am told am capable of doing as a consumer, but it seems like my concerns are overlooked and go unanswered. I demand that my concerns be addressed and that these items reflect instructions included in the attached letters. Please delete the items that have been requested to be deleted, and update the items that have been requested to be updated immediately. 

I have attached my drivers license and a utility bill for verification of ID
Complaint sub-issue: Changes in terms mid-deal or after closing

I used Carvanas auto loan calculator which said I would receive a rate of 10 % for a car loan. Once I went through the process and submitted documents the rate went up to 18.69 %. Nearly double that of the advertised rate I was given. I purchased a vehicle through them previously and had to refinance because they had done the same thing then. I offered to put nearly 25 % of the price of the vehicle as down payment and they only wanted to lower the rate to 17 %! This is shameful and needs to stop.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX called me from XXXX XXXX XXXX on XX/XX/2018 and did not disclose that this is an attempt to collect a debt and information obtained will be used for that purpose, he only stated that calls are being monitored and recorded. I had no knowledge that I even owed the debt. I advised XXXX that I would have to contact the XXXX and he continued trying to communicate by asking me questions, I had to end up disconnected the call because he was not trying to let me off the phone.
Complaint sub-issue: Report improperly shared by CRC

Equifax signed an agreement with the XXXX Attorney General 's office to voluntarily remove incorrect or fraudulent information on a person 's credit bureau for anyone living in the u.s.a. My attorney has written Equifax XXXX about having incorrect or invalid information on my credit report. At one point I had Equifax credit file monitoring service where I discovered their use of incorrect or invalid information on my credit report. I also discovered they had branded me as a complete and total credit risk for debts that had been paid or were discharged pursuant to federal law. My attorney asked politely for Equifax to remove all the hard credit inquiries for a total of XXXX from my credit report because I had not applied for credit that many times. however in our investigation of my Equifax credit file and m y credit files at XXXX and XXXX we discovered that a third party may have hired Equifax to make hard inquiries from their company Equifax mortgage into my credit file as my credit files at the other mentioned above credit reporting agencies. 
When I asked Equifax to explain this as well as their refusal to take off negative information which was not true, I was stonewalled by Equifax in writing XXXX. These stonewall letters were in response to my attorney 's letters to Equifax. 
these hard inquiries into my Equifax credit file and other credit files show up even on their own monitoring system as hard inquiries that I am making applications for credit. I am not. 
Also, Equifax is reporting mortgage loans that I never applied for or approved or settled on from a major bank and XXXX trust servicer XXXX. These mortgage loans do not have the account number that appears on any mortgage statement and these loans were created unilaterally by the large bank. All of which I have filed multiple complaints with the banks attorney and other federal agencies. 
If Equifax is going to monitor me on behalf of some third party I want to know who that third party is and why are the monitoring me and if an inquiry is done then it shows up as soft inquiries that do not affect my credit score or FICO score. As a XXXX veteran I have been working very hard to improve my credit score and Equifax has me rated the lowest of any credit bureau score. In other words the other bureaus all have me rated much higher. 
I have as a XXXX veteran been repeatedly defrauded of my VA XXXX pension us federal treasury pension benefits for which then I am penalized again by having false information placed on my credit bureau reports. 
I perceive this Equifax practice of initiating hard inquiries into my credit file b y Equifax mortgage as it is listed in the report and doing this to the other credit bureaus according to LIFE LOCK identify theft service violates my legal rights under federal consumer protections laws and uscfpb regulations and XXXX state consumer protection laws and the u.s. federal fair debt collection practices act. it has the appearance I am applying for credit which I am not and then reporting it as hard credit inquiries to external agencies.
Complaint sub-issue: Account terms and changes

My Equifax is stating " Non Reporting '' status. I believe this is why my FICO score for Equifax is showing " not available ". I have paid for the service for credit monitoring but Equifax is not reporting I need this to be changed to reporting and I DEMAND PROOF THAT IT HAS BEEN DONE IN WRITING. I have filed a complaint with the Attorney General Office since Equifax keeps giving me the run around
Complaint sub-issue: Information belongs to someone else

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX  DELAWARE, yet XXXX XXXX  DELAWARE is not removing this fraudulent account. XXXX XXXX  DELAWARE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  DELAWARE Bank has refused to do this. The following is the fraudulent account : XXXX XXXX  DELAWARE XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Complaint sub-issue: Information is not mine

I have an account on my equifax report that is not mine. XXXX is showing on my report XXXX and i did not receive or approve this account. I have sent several requests to this company for proof of debt and have received nothing from them each time. This is fraud and needs to be removed from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX Paid them what they asked for and they never deleted the report. 
Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
All three credit agencies refuse to take off as well