Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

A XXXX account is listed in my XXXX credit report, and is with a collection agency, Jefferson Capital  XXXX XXXX file number XXXX. 

I've disputed and XXXX kept the information on my report. 

The dates of the XXXX phone service show as opened in XX/XX/XXXX. I have had mobile phone service with XXXX XXXX since XX/XX/XXXX, this is my customer number XXXX. 

I've asked both XXXX and Jefferson Capital to share specific information about the account including open and close date and specific records and billing so I could have specifics to dispute and I've never been given the details of the account to detail the {$1700.00} they claim I owe. 

If you can help me get the account details I can have specifics to dispute the claim. Thank you in advance for your help and consideration. Best, XXXX
Complaint sub-issue: Called after sent written cease of comm

I had my Home Depot credit card stolen ( 2007 ) and used by someone else. I had all the police reports to indicate this. Home Depot refused to see the issue and said it was my fault the card was stolen. So, they kept me liable for the charges. I disputed every call I got. XXXX days ago, I got a call from my daughter-in-law, who is an XXXX of the court that she received a very harassing phone call to have her give them my number. She refused but took down the information so I could call and find out what this was all about. The man I spoke to was threatening to take me to court if I did n't pay the outstanding balance owed even though it was fraud. He did not give me a chance to speak to my lawyer, altho he knew I had a lawyer involved in the case and should have called him instead of me. I was never given a chance to show my documentation and was told I had to pay right away or go to court. He had me sobbing and scared. He said just take care of this and it will all go away. I called the company he represents, XXXX XXXX XXXX. He represented himself as a lawyer which i later found out he was n't. When I spoke with his office manager to request a copy of our recorded message ( he told me it was being recorded ) she, XXXX, told me there was no recording of the call. I called XXXX again today to ask her to send me the file they have on my case and she said she would have to check with her manager to see if they can send me the file. So, after being harrassed, my daughter-in-law being harassed, they have no intention of sharing with me the proof that I owe the money. XXXX XXXX was called in to a meeting yesterday ( per XXXX ) to discuss how he handled the case, and subsequently resigned. So I am now hold XXXX XXXX XXXX liable for unfair practices. 

1. my daughter in law was contacted at her place of work2. He represented himself as a lawyer. 
3. He threatened legal action against me. 
4. He was aware that I had a lawyer and contacted me anyway. 
5. He did not provide me with verification of debt. 
6. He did not notify me of my right to dispute the debt, except to say if I disputed it I would be taken to court.
Complaint sub-issue: Information belongs to someone else

I sent so many times complaint to you. Why you still keeping these negative accounts on my name. I think someone hacked my personal information. I already wrote to you that is not my accounts
Complaint sub-issue: Information belongs to someone else

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

FRCA VIOLATIONS NOT MINE NOT MY CREDIT CARDS XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} written off. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$190.00} Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5500.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$390.00} Status Collection account. {$390.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX OH XXXX Resident type Single family XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, AL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY INQUIRIES XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I FILED ONLINE DISPUTE THRU XXXX XXXX ON XXXX XXXX ( XXXX ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD SERVICE IN AREA I WAS WORKING IN XXXX XXXX , NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A MAGIC BOX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( XXXX ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }. 
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I opened a Best Buy Visa Credit Card ( handled by Citi ) on XXXX 2016. I  always have been diligent with the minimum payments, by paying before the due date. Unfortunately, I am getting my hours cut at my part time job, and I am experiencing some kind of trouble making the payments on time. In the event I have any issues with making payments, I always reach out to the creditors to work out an amicable solution. While some of them understood perfectly my situation and granted me one more week as extended grace period, unfortunately with Best Buy Visa Credit Card is not the case. They are difficult to work with, and this time I asked for one more day of grace period, since I got paid on XXXX XXXX and the bill was due XXXX XXXX, I did n't have enough funds available on my bank account to afford the minimum payment. I spoke with two different reps last week. First one, called XXXX, from the Tennessee office, helped me get an extension of the payment, for one more day, and assured me that my account wo n't be subject to late fees as a one time exception, and that the late fee adjustment will be applied within 1-2 billing cycles. Same information was confirmed by XXXX, another rep from the Tennessee office. When the new bill came, I was charged two different amounts, {$160.00} and {$100.00}, as minimum payment due. And then, I reviewed thoroughly the recent activity section and the late fee of {$37.00} was charged, along with {$44.00} of interest on purchases. <P/>This situation has caused me a huge deal of XXXX, as I do n't know what else to do.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. 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 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, OH XXXX
Complaint sub-issue: No notice of investigation status/result

Equifax , XXXX and XXXX are reporting an account that does not belong to me from New York Federal Court. I sent a letter ( image is attached ) to the data furnisher that has been returned as undeliverable. 
The reported information is inaccurate & needs to be removed. Here is proof the information reported is wrong by the returned addressed envelope.
Complaint sub-issue: Their investigation did not fix an error on your report

File a dispute with XXXX, in XX/XX/XXXX and XX/XX/XXXX. I have 2 accounts that show status date XX/XX/XXXX and XX/XX/XXXX XXXX  did not investigate nor the companies I will upload the proof of my report on each account. Ordinal status dates from when account was open. I want these 2 accounts deleted.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2019 I filed a dispute with XXXX XXXX XXXX about the validity of an inaccurate item being reported on my credit reports. I mailed my dispute to the address listed on the credit report and the letter was returned to me by the post office due to an invalid address. I sent a follow up letter to the credit bureau ( equifax ) on XX/XX/2019 requesting that the item be removed from my credit report given that the furnisher ( XXXX XXXX ) has provided false information to them about me and they have provided the credit bureaus with a false address. On XX/XX/2019 I sent another follow up letter to the credit bureau ( equifax ) and I demanded they remove this item immediately from my credit reports. The credit bureau sends me a copy of my credit reported dated XX/XX/2019 only to still show the incorrect address listed for the creditor after they have stated on my report they have verified the address being reported is correct.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX and XX/XX/XXXX someone made 2 hard inquiries with my info to MoneyLion. On XX/XX/XXXX a {$600.00} line of credit was issued to that person. I check my credit every week online and i promptly reported this with ML and the bureaus. As of today XX/XX/XXXX ML still had not reported the fraudulent account with the bureaus. I need both inquiries AND the fraudulent account to reflect my credit accurately. I spoke with XXXX  at ML and XXXX at XXXX  today and they may be working on it, but I have had an additional two months of inaccurate scoring and i am trying to get a HELOC and all this nonsense is holding us up. There is no reason this should still be ongoing. The glendale police has already provided affidavits, etc. It has already been proven as fraudulent yet my scores and reports are not corrected. Also, if an account is found to be fraudulent, why does the consumer have to babysit the INQUIRIES? It is obvious that if the account is fraudulent then the inquiries that got the account open are also fraudulent. I am not happy that the info given to ML was so inaccurate yet they approved the account. the person who used my SSN and name and address used a FAKE phone number, FAKE email, FAKE work name and FAKE work number. If ML had done due diligence to check these things then the fraudulent account could have been prevented. and i would not have to keep making sure it is correct.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX  XXXX, XXXX, Bankruptcy, XXXX, XXXX XXXX, and Inquiries that are not mine. 
Please see attached FTC Identity Theft Report. 
This has caused me tremendous anxiety, stress, and financial hardship.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a debt validation letter to the collection agency via certified mail and they REFUSED my letter. The company is : Plus Four Inc. 
XXXX XXXX XXXX XXXX XXXX, NV, XXXX
Complaint sub-issue: Information belongs to someone else

I have been trying to get fraudulent inquries off my Equifax report. 

I called chase where the online credit card inquiry was made thru and they help me with acknowledgement of this fraudulent activity. They sent off something to Equifax more then 90 days ago. 

I was told I needed to wait till XX/XX/XXXX to file a complaint about Equifax not doing there due diligence to act accordingly to the CRA laws. 

I have 7 fraudulent activities from XXXX Bank, Equifax refuses to help me with this and told me that I just need to wait till they drop off in the 2 year mark. 

This has made my score drop from this and even though I have done everything to fix this with XXXX bank, Equifax refuses to do what is right. 

I am at my wit 's end and I have a freeze on my Equifax account due to this fraudulent activity. 

Equifax said it is not their job to correct the fraudulent activity, XXXX has done their job by reporting this as fraudulent activity and yet this is still on my credit report. 

I should not need to wait till XXXX for this to be addressed when I have taken steps to correct this and XXXX has also taken steps to help me with this. 

Equifax thinks they don't need to follow the laws and they stated so to me on that last occasion I called them.
Complaint sub-issue: Problem with personal statement of dispute

I attempted to resolve this issue with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) Ally Financial - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by COVID 19. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.
Complaint sub-issue: Didn't receive notice of right to dispute

I recently received a collection account on my TransUnion credit report that I had on idea about for {$810.00} from XXXX XXXX with original creditor being XXXX. I immediately contacted XXXX XXXX about the account and was met with rude comments and profanity about the account. Prior to this appearing on my credit account I have never received any type of correspondence via mail, email, or phone about this debt. They listed the account as opened on XXXX XXXX, XXXX but when I contacted them they informed me that the debt was from XXXX. I informed them that I didn't recognize the account and they told me that they wouldn't verify the debt and that it was my responsibility to file a police report on the debt? I have since contacted XXXX and they also have no record of the account under my name in XXXX, OH. XXXX XXXX   refuse to remove the account from my bureau with false information.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX reporting incorrect payment info. Account is paid in full with no past dues.
Complaint sub-issue: Problem during payment process

On Friday, XX/XX/2020 I made a payment of {$290.00} with my debit card. I asked if my payment would be applied to reflect the account balance back to XXXX before the new statement date. 

The young lady was nice and stated she wasn't sure when it would be. 

My reason for making the payment is to show XXXX balance and not bring my debt ratio up and negatively affect my credit score. 

I logged into my account on Saturday, XX/XX/2020 to make sure balance was XXXX and noticed it still showed a balance of {$290.00}. I call the customer service # to find out why my balance wasn't XXXX. The lady states that if you don't make a payment before XXXX XXXX   central time it won't reflect until Tuesday, XX/XX/2020. 

If that is a policy with the company, then they need to show that when making a payment so customers are aware of that. 

My credit score has dropped 40 points because of that and I am looking to move and my score needs to be in the 600 's. 

I need you to reflect on my current balance of XXXX of my credit report so I can apply with the leasing office asap. Thanks
Complaint sub-issue: Problem getting your free annual credit report

I had financed my car through a small loan company in XXXX TX. This co was purchased by XXXX XXXX XXXX XXXX in XXXX XXXX TX, this company has officies all over the USA. In XX/XX/2019 they demanded that I pay them a large sum of money and I explained I did not have the amount of {$570.00} if i remember correctly, the mgr lady said she would try for a modification if i paid. She deposited that check that day, and it was visable in my bank account that day, i called my bank and explained that i had told the company not to cash the check, my bank reversed the payment. XX/XX/2019 they sent a repo guy to take the car, never advised me so I could remove the personal belongings mainly my XXXX etc, The call went to the repo dept, never talked to anyone, i did leave my number to call me. no calls was returned. I began looking for a car to drive and found on at a dealership. I purchased that car and notified my ins carrier. I recieved my payment schedule on the auto policy, it was over {$400.00} per month, I called my agency and was told that this was due to an accident and claim filed on that car, I had no accident nor did I file any claim. I called the XXXX XXXX XXXX numbers but got a run arouid about where the car was. After numerous calls I gave up and began working on my ins co for paying the claim on that car, finally reached the reginal mgr in the XXXX area. I explained what had happened and he removed the claim from the ins co data. That brought my payments back to normal. This past month I had to get a new policy and a couple of agencies asked about this claim, was able to obtain a policy through a local agency and payments reasonable.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting a fraudulent account on my credit file. XXXX XXXX # XXXX is a fraudulent account that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the account from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this account was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the account.
Complaint sub-issue: Information belongs to someone else

I have made serval attempts to remind you of your duty pursuant 15USC 1681. It appears your intentionally and willfully being neglectful in remedying my affair. 15 USC1681E ( B ) assures that I am due, promised accuracy in my report based on federal law. I am making this another attempt to have these errors corrected on my consumer report. 


Its been 6 months and still haven't received a response from the consumer reporting agency.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX my car with XXXX XXXX was illegally repossessed due to a billing error in their system. Although I received the car back the next day, they still placed a repossession on my credit resulting in a loss of XXXX points. It took me 5 months for them to remove the repossession, but I never got my points back. This happened XXXX on XX/XX/XXXX. It took almost XXXX of endless calls and fighting to get it removed a second time, with me losing another XXXX points. Again, none of the agencies ever restored the points back. Then they REMOVED the car from my credit reporting. Please help, as neither the Credit Bureaus or XXXX will fix this major issue.