Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Used obscene/profane/abusive language

I have already filed a complaint against this company once, the case number is XXXX. I started receiving phone calls again from a gentleman named XXXX XXXX. This time I was able to get an address to their company so I can file a written verification for validation. The agent began yelling at me when I questioned the address he gave me. The address he gave me was XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, but that address actually belongs to a company named XXXX XXXX XXXX XXXX. I did verify with that company their address. XXXX XXXX began threatening me with someone coming to my home and seeing me and also filing a lawsuit against me immediately if I do not pay. He continued to cuss me out and yell telling me i was a fraud, he then told me that he was going to call everyone he could connect to me and let them know I was a fraud and I write bad checks. He then blurted out my social security number to me telling me he was in control of my information. There is no written proof of any debt that I have like that. I filed a complaint with my Attorney Generals office, and they told me Delaware Solutions is not a licensed collection agency, and they were already investigating this company and for myself to not offer up any information to the company.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax added a balance of {$2300.00} for a settled XXXX account to my report, then removed it after I called in to dispute the item, and readied the incorrect account and total back to my credit report. This has dropped my score from XXXX to XXXX. My other bureau scores are XXXX and XXXX for XXXX  and XXXX  respectively. This mistake is stopping me from pursuing an FHA loan as I have already told them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several hard Inquires on the equifax credit report that are not recognized and I Did not authorize. There is no contact information for me to contact them XXXX. National Credit card companies XX/XX/XXXX XXXX. National Credit Card companies XX/XX/XXXX XXXX All banks XX/XX/XXXX XXXX XXXX XXXX All banks XX/XX/XXXX And one on my XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information is incorrect

To Whom it may concern - I was recently surprised to learn that in XX/XX/2021 XXXX XXXX XXXX incorrectly reported to Lexis Nexis ( XXXX ) that I had an auto claim AND reported that I was at fault for this accident. 
While I did call to inquire about filing a claim from a hit-and-run where I was not at fault, I never went through with the claim. XXXX XXXX mailed me a check for {$97.00} which I did not cash. 

In speaking with two XXXX XXXX employees they both informed me that I never did file a claim nor was I at fault, and sent me a PDF letter on XXXX XXXX letterhead to that extent. However they advised they could not rectify the consumer reporting agency data since " the claim was closed ''. 

Under FCRA, XXXX XXXX did report this information to a Consumer Reporting Agency, therefore XXXX XXXX is responsible for rectifying this information promptly upon notice that they have made an error. 

Additionally, I submitted a request to obtain my Consumer Disclosure report online from Lexis Nexis on XX/XX/XXXX. As of XX/XX/XXXX I still have not received the information required from them on obtaining this information. Their process requires me to first submit a request online, then they mail me additional information to access my report. 

The impact of this incorrect data has doubled my auto insurance premium. XXXX XXXX shared that a 6-month quote they provided me increased from {$1000.00} to {$1700.00} due to this incorrect data, a 76 % rate increase. 

I look forward to you resolving this incorrectly reporting quickly. We are in the process of moving and new quotes are astronomical due to your misinformation.
Complaint sub-issue: Information belongs to someone else

I recently found after checking a copy of my credit report I noticed some inaccurate information reporting fraud-related accounts that were opened without my knowledge or consent. I have made contact with all parties involved and this account still remains on my credit report. I have submitted several pieces of supporting documentation to further validate my claim. I am exercising my rights under the FCRA and FDCPA in regard to victims of identity fraud. I've never had any account or contract associated with the Bureaus Inc nor received any goods, services, or money in relation to any account associated with the Bureaus Inc.
Complaint sub-issue: Problem with personal statement of dispute

This is not a dispute statement against a credit card company. This is a personal statement that Equifax has completed. I do not see it listed on my report. I would like proof that this is completed. I do have my report that it is done but that is all. It is not reflected on myEquifax.
Complaint sub-issue: Public record information inaccurate

I been having Issues with Equifax since XX/XX/XXXX I have fax numerous of faxes totaling 16 pages each time. Every time I contact Equifax someone telling me they did not received my fax or Equifax customer services rep will tell me they only receive 3 pages. Its nowXX/XX/XXXX. Issues have not been resolve. I been faxing paper work over to Equifax everyday day. Im a victim of identity fraud also I was effective by their Equifax breach. Equifax has numerous of credit inquiries on my correct report, a 2 collection and a bankruptcy 13 including inaccurate accounts that are fraudulent, which does not belong to me. I provided all the documentation Equifax need ( including a police report, a copy of my social and driver license, also all items which are fraudulent and need to be remove immediately. I have been dealing with this issue for three months now. This has effective me in some many ways.
Complaint sub-issue: Account status incorrect

I called and talked to an agent with the ID # XXXX as well as her supervisor with agent ID # XXXX on XX/XX/2018 about accounts listed on my credit report as open and in collections. As well I filed a dispute online a month ago. They refused to fix it. I have documentation in the form of Filed Bankruptcy Schedules as well as a Order of Discharge under U.S.C. SS XXXX Ordered By the honorable XXXX XXXX XXXX Eastern District Federal Court Michigan on XX/XX/2018. As such all and any accounts included in the bankruptcy must be listed as closed and included in bankruptcy. The company is not acting in good faith to correct the issues. This has caused me personal damage. And is illegal under FCRA. I have attached a copy of my report that clearly shows a account listed as open and currently in collections. But it also says in Bankruptcy. As such they know it was discharged, and they refuse to fix it and close or remove the account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  acct # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt was result of identity theft

I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX and XXXX  XXXX, EQUIFAX AND XXXX. I have gotten letters phones calls and report still showing on my credit profile.. Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no dealing with them. This is violating my right and all of 15 USC code 1692I. USING 15 U.S. Code 1692g WHICH I HAVE BEEN REQUESTING PROOF AND NONE HAS BEEN GIVE SINCE I AM A VICTIM OF IDENTIY THEFT JUST CONTINUE TO TELL ME ITS VALID NOW IM 15 U.S. Code 1692K OF MONETARY SETTLEMENT
Complaint sub-issue: Debt is not yours

A fraudulent and scam company that goes around and steal people 's identity and then put information on their credit report that consumers owe them has attacked me. 

The scam company is MRS BPO , LLC and they have placed this information on my XXXX credit file. I do not know who this company is, I have never done business with them and I have never been contacted by them bout any debt. 

I have absolutely no idea what this scam company wants. They have obtained my information in some illegal and fraudulent manner and are using it to demand money from me that I do not owe. 

MRS BPO , LLC put this information on my XXXX credit report in hopes that I will be ignorant of the law to call them, and then MRS BPO , LLC. can harass me and hunt me down for money. 
They have never contacted me yet they have my information and have used it in a fraudulent manner to extort money from me. Take the derogatory information from my credit file
Complaint sub-issue: Problem with fees

On XX/XX/20, I attempted to make a minimum payment of {$35.00}. I was never advised that the payment was returned because of an incorrect number entry. 

When I attempted to make the minimum payment on XX/XX/20, I learned that the minimum payment of {$35.00} attempted on XX/XX/20 did not go through. No notification was made of the failure of the XX/XX/20 payment. 

When I called on XX/XX/20 to have the {$29.00} fee for returned check ( it was an online payment ), I was told that it could be reversed. In addition, I was charged interest of {$0.00}. 

On XX/XX/20, I paid the outstanding balance of {$1000.00}. 

On XX/XX/20, I was charged an additional {$0.00} minimum finance charge. On XX/XX/20, the Customer Service rep reversed the {$0.00} finance charge but not the {$29.00} returned check fee or the {$0.00} interest charge. I also requested that the account be closed. The offer was to give me discounts for future purchases.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act. Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated. However, how is that possible if last date reported, account number, payment history is invalid or incomplete in all XXXX credit bureaus. When it should be 100 % accurate. 

This is a continuous violation of my rights under 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 reporting consumer agency can not furnish a account without my written instructions. 

I demand to delete accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX or # XXXX ( as they are different account numbers on each bureau ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX I dont recognize any of these accounts, therefore. Please update everything 100 % accurate or delete them immediately. As they are causing me outrages interest rates. ( Example paying {$340.00} on a {$6500.00} car loan. ) This is my last letter in regards to correct this errors. I understand I have the right of up to {$1000.00}. For every violation on my credit report and will proceed as follows. 

Thank you for your time with this matter.
Complaint sub-issue: Problem with personal statement of dispute

I called on XX/XX/XXXX in regards to my late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX payments. I never received an email indicating that my account was past due. The credit card lender never called or sent mail to identify the problem. Without further notice the account was closed by the credit card lender in XXXX XXXX have requested proof of mail or email sent in regard to late notices and requested monthly statements dating back to XX/XX/XXXX. All I received was a notice stating that I changed from paper mail to electronic mail without a specific date from shop your way mastercard by citi bank.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

US Bank sent me a letter stating they were reducing my credit card limit from {$5000.00} to {$500.00} because of these reasons : my score was XXXX, length of accounts is too short, too few joint accounts, too many open revolving accounts and too many inquiries. 

My credit score is almost XXXX points higher as of XX/XX/XXXX. So that is not a valid reason to reduce my credit limit by 90 %. I have had credit cards for around 2 years. This is because I lived in another country until XXXX. I have a green card and had to establish myself before I could qualify for a credit card. This feels like I'm being discriminated against for being an immigrant. As for too few joint accounts, I'm not married which is why I don't have any. Is it legal to discriminate against someone for not being married? I was not aware there were any laws that required you to have a spouse in order to get a credit card. I'm not sure why they say I have too many revolving accounts as I only have three credit cards and that is much less than most people do. The too many inquiries thing seems odd as well. I have been trying to purchase a new car, which I was finally able to do. I should not be discriminated against for trying to find the best rate. 

The card is currently paid in full as well. I have never gone over the limit either. 

I would like the card reinstated to the {$5000.00} limit they originally gave me. I don't feel it's fair to discriminate against me because I am an unmarried female immigrant.
Complaint sub-issue: Threatened to sue on too old debt

On XXXX/XXXX/XXXX my US Bank checking account became had a balance of {$14.00} and was not sufficient to cover a debit purchase of {$16.00}. US Bank chose to pay the item and then charged my account {$35.00} Overdraft and also multiple returned check fees. Because of the multiple overdrafts fee, continuous overdraft fees, they accumulated to over {$500.00}. The account was closed XXXX/XXXX/XXXX and transferred to the US Bank Recovery Dept for Collection The account was sold to XXXX XXXX XXXX XXXX/XXXX/XXXX. This collection company increased the amount to {$750.00}. I received threatening letters from this collection agency and contacted XXXX legal services who gave me a template letter to send ( and is attached ) to stop the 3rd part collection agency from harassing me. The harassment started up again XXXX or XXXX XXXX and I filed a complain with the Consumer Financial Protection Bureau. I thought the problem had been resolved, but another collection agency started up again calling me and threatening me with serving me with papers when the debt was clearly too old to collect. This agency has contact my son, XXXX XXXX, several times in the past two years, has contacted my son 's friends, XXXX XXXX, causing me extreme emotional stress, and has contacted me in a deceptive manner trying to get information. Some of the tactics they used was saying they were the XXXX XXXX XXXX XXXX and they had a {$16.00} refund to mail to me and wanted my address. I gave them my son 's address in MN, that is how they started harassing him. Then about two weeks ago I received a call from someone saying they had a delivery from a company I never heard of. I was suspicious. I looked up their phone number and it was this collection agency in California. They are very deceptive and threatening and pretend they are lawyers. They have several names. XXXX I call I got from XXXX XXXX, XXXX. I called the number and I got XXXX XXXX who said they were XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX CA XXXX. I asked for an attorney 's name and Bar number and he said there were so many attorney 's he could help me. Another time I called I asked for the same information and someone named XXXX XXXX told me there were no attorneys there and the name of the firm was XXXX XXXX XXXX. My son received a call from XXXX XXXX XXXX, XXXX, XXXX and again from XXXX XXXX XXXX XXXX XXXX. This is all in writing in text on his phone. XXXX XXXX his friend received a text on his phone XXXX XXXX, XXXX.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Other problem getting your report or credit score

Around 90 days ago my credit score stopped showing suddenly on my.Equifax.com. Once I contacted Equifax they advised me to send in my documents to very my identity. Those documents included my SS card, drivers license, and a letter asking them to update my information. Recently on XX/XX/XXXX I was told by Equifax that they never received my documents. I then resent them and was told they arrived XX/XX/XXXX. They stated my credit score should be showing now but it is not. Ive call a numerous amount of times. Disputes have been filed and completed. Ticket request were requested and stated they were completed. On my end there is still nothing showing. When I apply for credit I am immediately denied due to Equifax. I also tried to purchase a product from them multiple times and it says unable to complete your request. I call customer service and still nothing. I keep receiving an NH code error from Equifax. This issue is now hindering me during covid. I am worried because I can not access my credit score information like every other consumer
Complaint sub-issue: Can't use card to make purchases

This week, the week ending XXXX/XXXX/17, The Discover credit card company closed down my account for no reason, right before I was going to use the card to make a payment for a debt that I owe, and stated that I needed to send a copy of my drivers license, social security card and proof of address for no reason at all. I had been paying on time always and never had an issue before. I currently owe less than {$100.00}, which is very little, on my card since I generally keep my balance at a zero balance most of the time. I have been a great customer always paying on time and I have a high credit score of over XXXX.
Complaint sub-issue: Was not notified of investigation status or results

XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017. Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. XXXX Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l
Complaint sub-issue: Account information incorrect

To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and XXXX, Equifax, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX 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

RE :   XXXX  I have notified Equifax that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am   XXXX   XXXX   XXXX   an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to Equifax that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written contract,  drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would hav e  XXXX  u tility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,   XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''