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

I contacted XXXX XXXX XXXX in XXXX XXXX. Received information to pay off a debt for a XXXX XXXX XXXX through XXXX XXXX. I paid the debt off in the amount of {$3200.00} on XXXX XXXX, XXXX. When I paid off the loan through XXXX XXXX they explained that it could take up to 90 days before I would see the reflection on my credit report. After waiting 6 months, I contacted XXXX XXXX ( XXXX XXXX ) to report to them that my credit was still negatively being affected. They suggested I contact XXXX XXXX XXXX to resolve this matter as once I paid off the debt they were no longer an active party. From XXXX XXXX to XXXX XXXX, XXXX, I repaid XXXX  XXXX XXXX another {$460.00} debt to release a hold I had on my records. Once my record was paid in full I contacted XXXX XXXX accountant in the student loan office to confirm there was a XXXX balance on all debts owed in my name to the College. She assured me that I did, indeed, have a XXXX balance. She sent me XXXX letters stating that I have paid my debts to XXXX XXXX XXXX in full. She advised me to file a dispute with Equifax which I did in XXXX XXXX, without the letters, which they closed, and another in XXXX XXXX with the letters from XXXX XXXX XXXX as proof. I received notification from Equifax on XXXX XXXX, XXXX, stating that they contacted XXXX XXXX XXXX and that XXXX XXXX XXXX said that the debt was not paid. On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX to speak with them in person about this matter. I spoke directly with XXXX XXXX who contacted XXXX XXXX who explained they never reported any of the debt to any credit bureau. Please note that Equifax is the only credit company reporting this debt in any form on my credit reports. XXXX attempted to contact Equifax. Equifax had a recording which stated that " you have reached the maximum attempts to contact Equifax '' and then disconnected the line. She also stated that she never received any documentation or phone call regarding the credit dispute from Equifax. XXXX said she 'll continue to look into it on her end and suggested I take further action as this has been negatively impacting my credit score. Equifax also advised me to follow up with XXXX XXXX XXXX providing the wrong address for the location.
Complaint sub-issue: Company closed your account

Company closed the account with a balance of {$1700.00} and now send me some collections letters and harassment calls daily. I have to block the number from my phone getting so many calls daily. Account was closed X/XX/17 and never get any issues until now. I want the harassment to stop and the letters immediately.
Complaint sub-issue: Account information incorrect

I owed SEAR/CBNA and settled the debt with the company in XX/XX/XXXX. The company stopped reporting on my credit report in XX/XX/XXXX. For no apparent reason, the company started reporting on my credit report with XXXX since XX/XX/XXXX. Nothing has changed. I have disputed the item with XXXX, but they have failed to remove it.
Complaint sub-issue: Debt is not yours

On XX/XX/2020 I received a letter in the mail attempting to settle a debt from XXXX XXXX for {$44.00}. I rarely use XXXX and certainly never had a debt and after checking my account there was no debt or any suspicious transactions. I believe Jefferson Capital is phishing me for information or falsely trying to extort money from me. 
I called the phone number on the letter and they refused to give me any information or email associated with this claim without me giving my personal information. I gave them the reference number and my name and they can see my phone number, they demanded my social security number which I'm not willing to give out to a random person claiming to collect " debt ''. They hung up on me when I asked them questions about the supposed claim. 
After researching this particular practice I found many examples of people being pressured to pay for a debt that wasn't theirs. 
The Company is : Jefferson Capital XXXX XXXX XXXX XXXX XXXX, MN XXXX
Complaint sub-issue: Debt is not yours

According to XXXX, on or about XX/XX/2018 the collections account was deleted off my credit report. Shortly thereafter, the collections account was added back by the creditors. I've asked them to again remove the account from my credit report again. Please have them permanently remove this account from each of my credit bureau 's report.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my passport as proof of my identity, and a utility bill as proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Complaint sub-issue: Investigation took more than 30 days

I made a dispute with credit karma regarding XXXX XXXX, a third party creditor that is reporting incorrect information and also with XXXX XXXX XXXX that is being reported as included in bankruptcy. 



This claim was made in XX/XX/XXXX, since this time XXXX XXXX has been under investigation with XXXX XXXX for over 3 months and then today, XX/XX/XXXX received response that the information is accurate. This is totally false and hindering my credit. I provided a ledger from XXXX XXXX Hospital to XXXX XXXX showing I did not owe any money to this 3rd party creditor, ( XXXX XXXX ). This information is being inaccurately reported.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Other problem getting your report or credit score

REGARDING EMBRACE HOME LOANS INQUIRY XX/XX/XXXX XXXX XXXX XXXX LOAN MGR I. HAVE BEEN TRYING TO GET A COPY OF THE CREDIT INQUIRIES OF THE INQUIRY SINCE XX/XX/XXXX AND IF WAS APPROVED OR DENIED BUT HE IS ACTING XXXX   IN HIS EMAIL BACK TO ME. STILL NO COPIES RECEIVED AS OF XX/XX/XXXX
Complaint sub-issue: Problem getting a working replacement card

I got approve for Citi XXXX  credit card on XX/XX/XXXX after ten days never got the card, I move to florida XX/XX/XXXX contact Citi to request a replacement card mail to my new address they confirmed the new card was mail after contact a few times the answer was the card is in the mail, this card has an three month offer to get XXXX points, the time is running and the only thing I have is the photo of the card someone send me from my old address if I go to the store I have to put the number manually, Still waiting for the card.
Complaint sub-issue: Information belongs to someone else

There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
Complaint sub-issue: Information belongs to someone else

I have sent in multiple letters regarding this account that violates my privacy and at this point I am a victim of identity theft and I am righting this to get the following deleted from my reports Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1700.00} XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$850.00}
Complaint sub-issue: Don't agree with fees charged

hello, my name is XXXX and my reference number is XXXX i join the college on XX/XX/2016 when i add a class i had did all the paper work for FAFSA . because every time i add a class i did a FAFSA. i had summit all the paper work that FAFSA needed and they said everything has been done that i do n't have to worried that i can start classes because FAFSA had paid everything. i called the college and talk about the issue and they are not helping me at all. so college is making me to pay it twice. i do n't work and i can not make a this payment. we go college for batter education not to pay the amount twice.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On    XXXX   XXXX   , 2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.
Complaint sub-issue: Trouble with how payments are handled

Great Lakes is reporting my account as being 120 days late when I was approved for for it to be deferred until XX/XX/XXXX. My other account with account number XXXX is reporting correctly. I am not sure why they are still reporting my account with the late payments below. 

180 days past due as of XX/XX/XXXX, XXXX XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.
Complaint sub-issue: No notice of investigation status/result

A dispute was filed but the issue was addressed XXXX XXXX 2016. A company XXXX reported the account paid in full and the account was closed. A XXXX XXXX with Equifax stated that thye company XXXX did not submit the updated information. I explained that I spoke to XXXX before calling Equifax and it was stated to me that all the credit bureau 's. XXXX XXXX again stated that no updated information was submitted to them. The account was paid off XXXX XXXX 2016 ; the letter was forwarded to me from XXXX XXXX XXXX 2016 ; and I spoke with XXXX XXXX XXXX 2016 before I call Equifax and XXXX told me the same thing '' We report to all XXXX credit bureau 's. '' Equifax failed to of chose not to make the changes to my credit report. And XXXX XXXX indirectly confirmed that. because the other XXXX bureau 's made the changes ... Equifax chose not to. This needs to be corrected now not in 30 days or 45 days. It should be addressed NOW.
Complaint sub-issue: Account information incorrect

On XX/XX/2019 I was alerted to a negative change to my XXXX credit report resulting in a 91 point drop in my credit score. The negative report was that my balance on the XXXX XXXX XXXX Credit Card increased {$820.00}, but what XXXX isn't considering is that I transferred that balance from my XXXX Credit Card. It was just a transfer, there was no increase on my credit cards. XXXX also indicated a negative report on my credit due to an increase of {$39.00} on a XXXX Credit Card. XXXX isn't showing any of the payments I made on these credit cards in the last month of over {$300.00}. My credit score should never have dropped, it was just a transfer from one card to another and if my payments were shown correctly my credit score should be back above 720 where it belongs.
Complaint sub-issue: Their investigation did not fix an error on your report

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Attempted to collect wrong amount

Purchased an appliance from Sears in XXXX, Texas. Total cost, {$380.00}. Sears,  without my approval transferred my account to Shop Your Way MasterCard in XXXX XXXX, SD. Received account statement & an unsolicited MasterCard from this company. I did not request a MasterCard & never used it. 
Payments indicated ( correct balance due ) & {$28.00} monthly payment, first payment due on XX/XX/XXXX. I sent a bank check for {$84.00} to Shop Your Way, with the notification that I was paying the first three ( 3 ) months in advance, XX/XX/XXXX., XX/XX/XXXX., & XX/XX/XXXX.Company REFUSED to accept " Payments in Advance '', and notified me my next {$28.00} payment was due on XX/XX/XXXX. I notified Shop Your Way, in writing that I did not agree with this venal response, and my next payment was due on XX/XX/XXXX! 
Received statement from this disreputable cabal that I was being charged {$28.00} for " LATE PAYMENT ''! I did not make a XX/XX/XXXX payment, as it was paid in advance, I did not make a XX/XX/XXXX  payment, since this had been paid for in XX/XX/XXXX.

Statement from this sedulous company now claims I owe for three ( 3 ) " Late Payment '' charges. My correct balance due to Sears, not Master card, was {$300.00}. I mailed a bank check to this disingenuous company on XX/XX/XXXX, for {$300.00}, with the notification that this was PAYMENT IN FULL on my SEARS balance.

Shop your Way has refused to cash this check, Shop Your way employee and his supervisor have refused in a telephone conversation to inform me of my balance.

This is an example of the continued obstinate conduct of Shop Your Way MasterCard. 
I have paid the entire balance due for the purchase of an appliance from Sears. 
I did NOT sign any agreement with MasterCard, and I believe that I have paid my balance due in a timely manner.
Complaint sub-issue: Their investigation did not fix an error on your report

I've reviewed my credit report. After requesting validation, It occurred that this item had not been verified with accuracy and completeness, as required by FCRA. I contacted XXXX : XXXX XXXX XXXX XXXX, asking to verify payment in full; was received in the amount of {$280.00} on XX/XX/XXXX ; in exchange for removal. However, this account is inaccurately reported as a closed and paid collection account. I spoke with XXXX from XXXX on XX/XX/XXXX, approx. XXXX XXXX. She stated they were not a collection agency, but a guarantor. However, my credit report is reporting as a collection account ( Please see attached ). 
This collection account exceeds the statute of limitation, is reported without my consent and is being reported against my right to privacy. It also violates my right to privacy, according to the Fair Credit Reporting Act. I, the consumer have the right to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with FCRA. This account must be discontinued from reporting and deleted!
Complaint sub-issue: Their investigation did not fix an error on your report

I have XXXX inquiries on my credit report that do not belong to me. I have contacted all the credit bureaus to inform them and to ask them to please remove as I did not authorize or give these people permission to pull my reports. XXXX and XXXX removed the fraudulent information after their investigation. Equifax has refused and is asking me to contact the companies directly myself. I am filing a complaint because after sending them a police report they still refuse to remove. I need the following fraudulent inquires removed from my Equifax credit report. XXXX XXXX XXXX XXXX XXXX XX/XX/17 XXXX : XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 XXXX XX/XX/17 XXXX XXXX XX/XX/17, XX/XX/17 XXXX XXXX XXXX XX/XX/17
Complaint sub-issue: Deposits and withdrawals

On XX/XX/22 I attempted to make a withdrawal from my account with USBank at a local ATM here in XXXX South Carolina, the transaction was denied .I contacted the bank on Wednesday, and explained what had happened .The bank representative stated it was an issue with my identity and I needed to verify who I was .I did the verification on Wednesday as requested. Called the bank on Thursday, spoke with a representative and the same issue was reported to me, again I sent my state ID and another selfie to the bank verification system, called and spoke with the representative again to make sure the ID documents were legible and that everything was according to the request the bank had made. 

The representative loaded all the information and stated to me that everything looked fine the ID and selfie was clear and that was all they needed from me for the issue to be cleared up once the verify associates looked at the documents and cleared all documents submitted. I called back on Friday XX/XX/22 now we have a fraud issue along with verification that the bank could not verify that I was the individual that owned the account .I have had issues with this bank since Pennsylvania XXXX deposited my funds in the account .The bank have a freeze on my account, I can't retrieve XXXX single XXXX from the account I have attempted to resolve this ongoing issue for 3 days now without any resolution. I spoke with a representative supervisor ( XXXX ) that told me to contact the state concerning my funds because they couldn't identify me
Complaint sub-issue: Attempted to collect wrong amount

I do not owe {$610.00} to XXXX and AFNI , INC which I immediately disputed with XXXX! AFNI , INC is buying Bogus collection accounts to hurt consumers, it dropped my XXXX credit by XXXX points! I need this to be removed immediately!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) 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.