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

I got a message that collection had been trying to serve me an I needed to call XXXX and mention case XXXX which I did and I was connected to XXXX XXXX at ext XXXX. He claime he was from XXXX XXXX XXXX in XXXX XXXX and referenced an old credit card debt, card number XXXX with an amount owed of XXXX and wanted me to pay or else he was going to file a judgement suit against me in my area for breach of contract. He then offered a settlement of XXXX which I told him I had no money Im fully XXXX. He then tried to get me to name an amount so I told him XXXX, I can pay nothing. He then told me he would be filing the case cause I disrespected him by offering XXXX payment. The call ended. I called him hours later and requested debt verification and last payment date an he said it would all be in the packet he was sending but it might be awhile. The call ended. I have since checked california XXXX XXXX and they never heard of him and neither has oregon XXXX XXXX. I XXXX  his number and there are a few similar complaints, I have found out my card was closed in XXXX  and debt sold several times. I havent made a payment since before the account was closed. There is nothing about it on my credit report, but the acct was my card.I have tried calling us bank several times and their collection department to get info. The first time they told me it was sold in XXXX  and gave me a name of the buyer who is now out of business. They would not give me anything else and if I call they just put me on hold and leave me there till I hang up. Everything I could find online tells me it is a time barred debt and is past the statute of limitations and is not on my credit report which would make it illegal for them to try to prosecute me for it.
Complaint sub-issue: Personal information incorrect

XXXX : reporting my name, employer and several phone numbers incorrectly. My name shows as XXXX XXXX XXXX and it should only report as XXXX XXXX. Also, you are reporting several phone numbers that I have never owned and they do not belong to me. Please remove the following phone numbers from your report. Also, please remove the employer XXXX XXXXXXXX XXXX XXXX my employer is XXXX. 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX EQUIFAX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please remove this incorrect address from my report. EQUIFAX is reporting Employer as XXXX XXXX They are not my employer XXXX is my employer. Please update my employer to say XXXX. 

XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. Please remove this incorrect address from my credit report.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX Balance : {$3200.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. Please remove this account. 

XXXX XXXX XXXX, XXXX XXXX Balance : {$1300.00} XXXX account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$1400.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove. 

XXXX XXXX XXXX XXXX Balance {$610.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.
Complaint sub-issue: Transaction was not authorized

I called cash app and and anger called me back. In could not access my account. XXXX XXXX  .My customer paid for uniforms and mistakenly sent the funds to the wrong cash app ( XXXX XXXX ) XXXXThe agent told me to open new account and they would send the funds to that account. They also advised me to contact a person I transact with to in order t ok bc verify that the funds wo up ld transfer there if not I'll by ok no ee account. XXXX XXXX was the person I chose. Her acco in by was hit as well as and put in n over draft too.The attached documents are the activity logs from my cash app. My account was over drafted {$600.00}, and hers {$1900.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

i received a letter from citibank regarding debt protection which i never enrolled in because if i did i would have certainly used it but the link for the refund is not valid and there is no other information to contact them on the letter I would like to file for this refund  XXXX   XXXX
Complaint sub-issue: Account status incorrect

Previously reported this company to XXXX and called XXXX directly. Issue was never resolved after years of trying and sent a letter from XXXX showing I was never late but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination they consistently attempt to ruin my credit as a XXXX  person.
Complaint sub-issue: Was not notified of investigation status or results

XXXXXXXX XXXX  instead of completing an investigation is engaging in illegal retaliatory tactics and trying to punish me and I would guess other consumers as well for exercising rights under FCRA, this account information is older than 7 years old, XXXX also illegal allowed me under 21 to open this account and gave me a credit limit they were very well aware that I would not be able to afford paying back. I am XXXX XXXX XXXX and this account is older than 7 years, if I still need to be held accountable for this maybe we should also go back 7 years and investigate why XXXX thought it was appropriate to give an XXXX XXXX XXXX still in XXXX XXXX a credit limit of {$1000.00}. I have filed a complaint at XXXX XXXX XXXX as well as they are now making my credit scores drop with their predatory practices. There is no outstanding balance on this account either.
Complaint sub-issue: Public record information inaccurate

LexisNexis is reporting a bankruptcy from the XXXX XXXX of Kentucky. I do not have a personal bankruptcy in the XXXX XXXX of Kentucky. The XXXX XXXX of Kentucky did not verify this information to LexisNexis and I have asked LexisNexis to freeze my all information regarding my name and personal information. XXXX, XXXX  and XXXX  can not verify a bankruptcy that does not exist and therefore violating the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

the department of education /Nelnet are reporting that I student loans, they are reporting on XXXX , XXXX  and XXXX this is n't accurately. 
they have over 12 accounts on my credit report. I have asked for them to send me promissory notes that I have signed that stated that I applied for these loans and they have not sent me anything as will as all proof with DL picture, signature and paperwork. they have not sent any information to me.
Complaint sub-issue: Investigation took more than 30 days

I mailed out my dispute letters XXXX XXXX and as of today I have not received any results pertaining to my investigation results. This is a violation of my credit rights.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX in accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Debt is not yours

This complaint is to inform you that I recently received a copy of my credit report from XXXX, XXXX and XXXX, that publishes information that Pro Collect Inc reports on my credit file and after reviewing it I found a number of items on the report that are inaccurate. The original creditor which was XXXX XXXX XXXX sold this debt to Pro Collect Inc ( a collection agency ), XXXX XXXX XXXX also wrote off this debt in the amount of {$3000.00} and {$560.00} on their taxes which wrote off my obligation to pay. The original contract between XXXX XXXX XXXX homes and myself was cancelled. I have no obligation and no contract with Pro Collect. Please remove this debt from my credit file.By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below are still being reported in my report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

back in XXXX  i sent letters to all three credit reporting agency that I was a victim of ID theft all negative items i wanted removed from my credit with no avail, so I am submitting a letter from the Irs cementing that fact so I am you to ask to remove said items from credit reports
Complaint sub-issue: Debt was paid

I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the Costco Anywhere Visa Account. I have paid this bill in full to CitiBank on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to Citi bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX XXXX  ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Complaint sub-issue: Didn't receive enough information to verify debt

On XXXX XXXX,2018 I was going through my credit reports and saw a medical bill that i did n't recognize.So what i did i wanted more information about the debt so I faxed company a Validation Letter requiring the things they need to verify the debt.The weeks later the company sent me a bill but they did n't send the other requirements needed to verify the debt.So as of now the debt is not valid and and need to be removed from all reporting credit bureaus.
Complaint sub-issue: Debt is not yours

I previously received several correspondences regarding this XXXX debt from several collection agencies I don't owe this debt I've never had a residence in Texas nor have I ever lived in Texas this debt isn't my debt. XXXX XXXX XXXX XXXX continues to transfer the debt to different collection agencies trying to collect. I've advised them several times this isn't my debt.
Complaint sub-issue: Debt was paid

This debt is intentionally being mis-reported on my credit report It is reported as XX/XX/XXXX, but they admit that it is XX/XX/XXXX It is being mis-reported in an attempt to collect on a debt that is out of statute
Complaint sub-issue: Information belongs to someone else

Someone with my information opened a Best Buy and Macys credit card. Each with a balance of over {$1000.00}. The purchase made was NOT mine and dropped my credit score over 80 points. Tried to dispute through XXXX XXXX and nothing has happened. Also have already filled a police report through the XXXX XXXX police department with Officer XXXX.
Complaint sub-issue: Report provided to employer without your written authorization

In accordance with Fair Credit Reporting Act XXXX  XXXX XXXX account XXXX, XXXX  XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX, XXXX account XXXX, XXXX  XXXX 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: Reporting company used your report improperly

In 2017, Equifax failed to adequately secure my personal information, including my Social Security Number and date of birth, resulting in the dissemination of my information to hackers, and eventually people who purchase this information for fraud. This breach involved myself and millions of others. Equifax failed to notify me in a timely manner, I only discovered the breach through an article in the XXXX XXXX XXXX, over a month after it happened. I received no contact from Equifax.
Complaint sub-issue: Reinserted previously deleted info

XXXX XXXX XXXX XXXX XXXX was deleted from my Equifax Credit Report on XXXX 2016. I checked my XXXX XXXX reports and those XXXX accounts are reporting once again. This is a back and forth problem with the credit agencis it should be some kind of rules and regulations.
Complaint sub-issue: Problem getting a working replacement card

When filing my taxes with XXXX I was given an option to get a cash advance if I opened a XXXX  account with Credit Karma, so I did. My tax refund directly deposited into the account. Credit Karma isnt actually a bank, they use a third party which is XXXX XXXX Credit Karma had deactivated my physical card for fraudulent charges that I never reported or seen on my account back in XXXX. I requested a new card but it never came. Meanwhile I had a digital card I could use using XXXX XXXX. Then i had requested another physical card and again it never came. I started seeing chargers that were not mine on the account so I contact Credit Karma to dispute the transactions. They then deactivated my digital card and will not issue me a new one. Since then anything that the account was linked to has been unlinked, not by me nor my permission. I have the account and routing numbers but unable to link them to anything. I contacted the bank XXXX Credit Karma using and they dont see any locks or holds on the account to prevent linking it. However I cant link it to anything and I cant access my funds. I have requested for a third time a physical debit card on XX/XX/XXXX and according to the information Credit Karma shows me the card has yet to even be mailed. They will not issue another digital card so I have no access to my funds. Their customer service rep XXXX denied me talking to a supervisor or anyone above him after I asked numerous times. He denied me any contact information to XXXX XXXX so I could contact them. I did however get their information and they said they are unable to help and to contact Credit Karma for support. I have had my tv services cut off because my account couldnt be billed. The worst part is my telehealth provider ( online doctor ) could not bill my account so I lost my appointment and prescription refill.
Complaint sub-issue: Old information reappears or never goes away

Collection remove from credit report and re-inserted. 

Equifax is not follow FCRA 611 ( a ) ( 5 ) ( b ) of notifying me within 5 days of re-inserting item back on credit report.
Complaint sub-issue: Account status incorrect

XXXX ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account XXXX for the months of XXXX, XXXX, XXXX, and XXXX XXXX Equifax ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account, for the months of XXXX, XXXX, XXXX, and XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.0XXXX XXXXr XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and noticed fraudulent accounts. this issue is stopping me from obtaining credit.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX  XXXX, OH XXXX
Complaint sub-issue: Information is not mine

After contacting the CB I 'm getting no responses from faxes and letters. These inquires were not authorized by me nor have I had any credit granted by these companies and I want them off my Equifax report : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XX/XX/XXXX16 5 ) XX/XX/XXXX16 6 ) XXXX16 7 ) XXXX XXXX XXXX XXXX16 8 ) XXXX XXXX16 9 ) XXXX XXXX XXXX16
Complaint sub-issue: Debt was result of identity theft

Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxxxxxx XXXX. I have never done business with XXXX Card Services resulting in redacted account number xxxxxxxxxxxx XXXX. I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxxxxxx XXXX  of which I have not received to compare to my records. 

Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.