Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to sue you for very old debt

1st Call.

I received a call from ( What I was told ) Premier Holding Litigation out of Texas. The first thing said to me is that I have a judgment against my Social Security Number. I said okay what it is about. I was transferred to another person. I was then told I had a judgment against me for {$19000.00} ( State and county courts named ) and a lien was about the be put on my house with the ( address given ). I asked what it was about and the person on the other end told me that it was an old auto loan from XXXX XXXX. She then told me that my paychecks will be garnished. I asked how old the debt was. She said last payment was in XX/XX/2009, so I asked if the statute of limitations was up and she said no it was 10 years. ( I live in Utah its 6 years ). She then tried to get me to pay {$5000.00} dollars to resolve the debt. I said I would not pay for a debt I don't know anything about and that they need to send me information on the debt. She said they could do that but by the time I got the paperwork, the garnishments will have started, and then she explained that if that happens a total of the payments garnished will be {$42000.00}. She told me I had until XX/XX/XXXX to pay {$5000.00} to avoid the garnishments. I then asked ; if they have a judgment why would they settle? She said it is in arbitration before the court executes the judgment. I asked ; why I had not been served papers? She said that it wasn't in court yet but was about to be filed. I told her I would call her back. That's as far as it has got at this point. 
2nd Call I got a call about 4 hours later from the same person at Premier Holdings. When I asked them to send me information on the debt she again threatened to sue and said they had tried to contact me before and could not. I told her that this is a time barred debt and she got extremely angry and said they are suing, they have a judgment, and they are going to foreclose on my house and hung up.
Complaint sub-issue: Their investigation did not fix an error on your report

Had sent 3 letters investigating a balance that should be reporting as {$0.00} to Equifax, as i had received a cancelation of debt statement from the original creditor, XXXX XXXX XXXX  account XXXX, all credits bureau had updated balance to {$0.00} but Equifax states that they had verified the account with the original creditor, despite sending paperwork proving that the debt was cancelled. See attached reporting from other bureaus ( XXXX  updated balance to {$0.00}, XXXX  deleted the item from credit report ). I had reported the debt as income and paid taxes properly.
Complaint sub-issue: Problem with rewards from credit card

This complaint regards to the business credit account ending XXXX with the U.S. Bank. This account has been closed by the bank in XX/XX/2019. I have finished the spending requirement to get the signing up bonus points before the closure. I also received a statements after the closure, showing that there are XXXX " Flexpoints '' in my account. I called the bank and was declined access to those points. The Flexpoint is worth XXXX cent per point if redeemed against traveling charge on the card, according to the bank 's rewards term. The bank should unfreeze XXXX points or issue me a check in the value of those points.
Complaint sub-issue: Account status incorrect

I filed a complaint against XXXX on XX/XX/XXXX. I am reaching out today Wednesday, XX/XX/XXXX, regarding the same issue of an incorrect XXXX code that was reported on my XXXX credit profile. I want CFPB to note that this is the fourth time complaint now that I have filed against XXXX for the same exact issue which still has not been corrected. I am respectfully requesting that CFPB recognize that XXXX is not resolving issues but creating more problems. I am due to close in a few weeks and need this matter expeditiously resolve. It is frustrating that I have already submitted three previous complaints for the same exact issue with the last complaint dated XX/XX/XXXX Report # XXXX, and prior to that was XX/XX/XXXX - Report # XXXX. 
We noticed the issue when my mortgage company pulled my credit on XXXX  XX/XX/XXXX, it was the same exact information as the previous report pulled dated XXXX  XX/XX/XXXX. Nothing was changed or properly updated by XXXX and still has not as of this date. XXXX report still shows the final reported XXXX  codes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. I am scheduled to close by XX/XX/XXXX. This is time consuming and extremely frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect XXXX code that is still being reported on my XXXX credit profile. 
I am unable to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold in a normal sale and the third mortgage ( XXXX  ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that when an account is closed the final XXXX code reported should not be anything other than a XXXX. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX  closed and transferred XX/XX/XXXX - XXXX closed/paid in full after sale on home XX/XX/XXXX.
Complaint sub-issue: Not given enough info to verify debt

I have asked First Federal Credit & Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Complaint sub-issue: Other problem getting your report or credit score

want to get credit report from XXXX XXXX, some credit agency that just popped up that ive never heard from before, the other 3 I obtained my reports online, this one wants me to fax a copy of my social security card, doesnt seem safe at all, they are making it not easy to obtain my report for which i was denied credit,
Complaint sub-issue: Information belongs to someone else

Its been bought to my attention that I've been apart of a data breach and all that inaccurate negative information on my reports may be a part of that breach. I've been fighting with the collection companies for months on this situation with no satisfaction. I've asked both the companies as well as the credit bureaus to send proof that those accounts belong to me but they refused to. All I ever get are letters stating that the information being reported is accurate and cant be removed. I did not sign contracts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I monitor my credit daily ok. 
I get updates and credit alerts from everywhere. 
I just got an update on XX/XX/XXXX and again on XX/XX/XXXX that my credit was the same as its been for almost two months it was XXXX. 
Keep in mind I have had no changes OTHER than amounts " decreasing '' from my total debts. 
On XX/XX/XXXX I got an update from the bureaus ( XXXX  AND EQUIFAX ) that my credit went down 38 points DUE TO A NEGATIVE REMARK XXXX   POSTED ON MY ACCOUNTS. 
I pay Chase on time EVERY MONTH. 
I spoke to Gentleman in the XXXX Credit Bureau Correction dept about the error. 
I was given information that the remark shouldnt have made my score go down BUT AGAIN IT DID. 
He also tried to blame it on a " third party applicator '' BUT NO SIR THIS CAME DIRECTLY FROM XXXX AND EQUIFAX My credit score decreased drastically soley bc of the NEGATIVE REMARK XXXX ADDED TO MY ACCOUNT. 
XXXX needs to STOP adding UNECESSARY remarks on my credit file. 
IF IM NOT LATE DO NOT ADD ANYTHING TO MY FILE. 
DONT ADD NONE OF THAT TO MY CREDIT FILE BC IT DECREASES MY CREDIT SCORE DRASTICALLY I'm a XXXX  XXXX OK. 
I monitor my credit 500 times a day. 
I'M ADDING PICTURES TO SHOW HOW MY SCORE WENT DOWN SOLEY BC OF THE REMARK CHASE ADDED TO MY ACCOUNT. 
Not even sure why they added that UNECCESSARY REMARK ON MY CREDIT FILE PERIOD. 
THE GENTLEMAN EVEN TOLD ME OUT HIS OWN MOUTH SOMETIMES WHEN XXXX ADDS REMARKS PPL HAVE CALLED IN AND STATED THEIR SCORE WENT DOWN. 
THIS NEEDS TO BE INVESTIGATED INTERNALLY. 
XXXX NEEDS TO REMOVE THE REMARK THEY JUST PLACED ON MY FILE ON XX/XX/2019 REGARDING THAT DISPUTE. 
AND IT NEEDS TO BE REMOVED EXPEDITIOUSLY. 
A DISPUTE WAS FILED BUT IT HAD NO BEARING ON ANYTHING BC IT WAS ONLY FOR {$30.00} AND I NEVER FOLLOWED THROUGH WITH IT. 
IT WAS NEVER PROVISIONALLY CREDITED OR WITHDRAWN FROM MY ACCOUNT. 
IT LITERALLY DID NOTHING. 
XXXX may not know that what they are reporting or the words they are using is hurting consumers but it is IF IM NOT LATE DO NOT ADD NOTHING TO MY CREDIT FILE. 
You should be reporting my ON TIME PAYMENTS and THATS IT DONT ADD ANYTHING ELSE OK. 
ABSOLUTELY NO OTHER MITIGATING FACTORS CAUSED MY SCORE TO DECREASE LIKE THAT EXCEPT THAT REMARK THAT WAS ADDED AND AGAIN MAYBE XXXX CREDIT BUREAU DEPT DOESNT REALIZE THE UNECESSARY REMARKS THEYRE ADDING TO CONSUMERS FILES IS DECREASING THEIR SCORES SO NOW THEY KNOW AND THEY NEED TO STOP OR I WILL FILE A LAWSUIT AGAINST XXXX.
Complaint sub-issue: Deposits and withdrawals

Reliacard/US Bank is not allowing me to withdraw funds that I need while out of state. I have attempted to speak with them multiple times by phone to resolve this. I was told they have placed a " travel exemption '' on my account. However, they still will not allow me to withdraw funds greater than {$40.00}.
Complaint sub-issue: Account information incorrect

An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of {$840.00} as of XXXX2017. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the Attorney General is upward of 31 states including my State Indiana, debts that do no derive from consumer credit transactions should not be reported to CRA ( credit reporting agencies ). XXXX Equifax, & XXXX are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider ( Dept of Veteran Affairs )
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am ( 60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Other problem getting your report or credit score

I have tried to log into equifax to access my account to view my credit information as well as placing a credit freeze. I am seeing this message when attempting to log in " We are temporarily unable to complete this request. '' I have tried multiple times reach out to speak to one of the agents, but have been unable to get in contact with an agent. I can not setup services as I am getting messages that my report is frozen, yet I do not have the ability to unfreeze, view or access the credit report online at all. Even If I select to sign up or pay for a service I still see that error message. This error message has been displayed for months on the account. 

I have also reached out to XXXX though this time I was able to get in contact with a representative. They told me there was in fact an issue with my account and that a manager would reach out to me in 24-48 hours. This was roughly 2-3 weeks ago and I have not heard back from them yet. I can not access my account here as well/.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Debt was result of identity theft

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$14000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Complaint sub-issue: Trouble with how payments are being handled

This is an additional complaint regarding Fed Loan. I have been employed with the XXXX  XXXX XXXX XXXX XXXX since XX/XX/XXXX. This is a qualifying Employer. Fed Loan indicated I am ineligible for periods of XXXX XXXX XXXX. I worked for the same qualifying Employer. 40 hours a week. Why were these skipped. The rest of XXXX and XXXX were considered Qualifying payments. However they skipped these. I had consecutive Employment.
Complaint sub-issue: Problem with customer service

Nelnet which is contracted by the US Department of Education is totally dysfunctional and inept. Case in point, I sent an email on XX/XX/2019 which was a simple post discharge monitoring form, 10 days later on XX/XX/2019 they actually, acknowledge receipt of my e-mail. It is a rather simple form that requires 30 seconds to process, my account number is : XXXX. Filing a complaint is usually the only way Nelnet actually completes and processes something.
Complaint sub-issue: Information is not mine

I was previously married and as of that i resulted in having my last name changed to his about 5 years ago and now i am seeing hospital bills on my credit report that are not mine. I have not been to a hospital in years last time i checked out of one was one year and a half ago and i had medical insurance. I need help to get this straightend as i am trying to build my credit. Thank you.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX  XXXX XXXX DEPTEDXXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

in 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 I also mailed in a copy of my drivers license, social security card, ftc report for th 10th time. Equifax recieved this information on XXXX usps Tracking Number : XXXX Everytime I send a dispute they keep giving me the run around requesting the same information. XXXX XXXX XXXX XXXX Equifax has failed to send me method of verification. Equifax has failed to send me contracts with this company Equifax has failed to tell me when these accounts were open Equifax failed to properly verify these accounts belonged to me before placing these accounts on my report. I am uploading my profile directly from Equifax website I CONTACTED EQUIFAX ON XXXX AND WAS TOLD THEY VERIFIED ACCOUNTS. I asked Equifax for method of verification and was told they have the right not to send me method of verification
Complaint sub-issue: Public record information inaccurate

I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.
Complaint sub-issue: Account status incorrect

I have all of the documents that is needed to prove that Equifax for the send time has information on my credit report that is incorrect. 

First of all 4 years ago, I moved from XXXX  back to XXXX, I was denied a apartment due to Equifax. They stated that my home was delinquent. I then proved that my home in XXXX  was paid in full. I was told by Equifax, the issue was resolved and removed from my credit report. I was able to rent another apartment in XXXX XXXX XXXX, that was {$4000.00} per month. 

In XX/XX/2019, I went to the XXXX  XXXX XXXX  on XXXX XXXX XXXX. I was going to Lease, but when the dealership ran my credit from Equifax, it showed the same issue that was on it 4 years ago. 

I tried to resolve this at that time, but it is a long process. So, I returned to the dealership with my Mom so she could co-sign for me. At that point I purchased the XXXX. I did not want to lose out on the end of the year incentives. 

I have a loan with my Mom as the primary and I'm the secondary for a interest rate of 8.5 % through XXXX XXXX. 

I have been trying to deal with Equifax, but I have no where else to go but to you for help.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX needs to be removed from all three of my credit reports. When I call the phone number to try and resove the dispute, the company never has agents available. It does give you the opportunity to pay your bill through the automatic phone system, if you have an 8 digit code ( which I do n't because I was never sent a letter or certified mail regarding this debt ). No humans can be found to take your call. ( XXXX ) XXXX this is the number, I find it hard to believe that the credit reporting agency can verify this debt when I ca n't even speak to a person. This debt is through XXXX XXXX, and it was assigned to my ex in our divorce decree.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

ftc violation taking more than 30days on account that are not mine