Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting report or credit score

I am writing to dispute the following information in my file. I have been trying to obtain my credit score since I was XXXX years old, but have been rejected by XXXX banks due to my unique mononym name XXXX. It is my birth given name as filed on the Civil Registry and as seen on my enclosed birth certificate, on my Oregon Driver 's license, Passport, and my Debit Card at XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX, I joined the Bank `` XXXX XXXX XXXX XXXX '' and got a secured credit card which later became a regular card on XXXX XXXX, XXXX. I was told that after one year, I would have a credit score. 


I have Given now MULTIPLE times to ALL the Credit Bureau 's ( Equifax , XXXX, XXXX ) all of these enclosures. Oregon Driver 's license, Passport, Credit Card Payback History, Social Security Card, Birth Certificate, supporting my position. Please reinvestigate this these matters and correct the disputed items as soon as possible. 

I attached a New Document showing how The Problem was Never addressed and Gave me the ( Run Around Yet Again )!!! 


Equifax never sent me anything like they said, and what I was TOLD by You! Please have them Contact me! 

XXXXXXXXXXXX Please for the Love of God, Help Me!!!! I 'm XXXX years old and I Need this for my Life! I have all of the Proof to obtain a Credit Score Yet, No One is Helping me Out, and I have No where Else to Go. Please Help ME! 

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

I wanted to start building my credit because I am getting close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had paid for it and had the  account closed. I decided to pull my credit and there are a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and CFPB are ignoring ( attached ) is a letter from XXXX XXXX setting forth they pulled my credit in error. 
Step One, Equifax tells me to contact XXXX XXXX if I believe my credit was pulled in error. 
Step Two, I contact Equifax advising I have contacted XXXX XXXX. Equifax responses if there was a mistake XXXX XXXX would send me a letter. I advise I have such a letter from XXXX XXXX. Equifax asked to send them XXXX XXXX 's letter. 
Third, Equifax ( upon receipt of the creditor 's letter ) circles back to Step One and asked me to contact XXXX XXXX if I believe the creditor pulled my credit in error. 
I contacted the CFPB ( Case XXXX-XXXX  ). I attached Equifax 's letter and XXXX XXXX 's letter. Equifax circles back to Step One and replies to contact XXXX XXXX if I believe the inquiry was in error. 
CFPB closed the prior case as if somehow Equifax 's circular responses ( to contact XXXX XXXX ) makes sense.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX  XXXX keep sending wrong information and I keep getting different mails from different collection agencies trying to collect a debt including LJ ROSS and I dont recognize this debt, nor the amount owned. Im requesting debt validation which includes : Name and Address of Alleged Creditor, Alleged Account #, Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Complaint sub-issue: Information belongs to someone else

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX AV XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/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: Information is not mine

This is a formal complaint that Equifax is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit. Equifax has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible for. 


Account name XXXX Account number XXXX .... 



Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have tried several times to get my consumer credit report from Lexis NexisXXXX. XX/XX/XXXX) ( XX/XX/2021 ). They are claiming that they don't have a file on me yet I was able to place a Security Freeze with them. I sent them all the required documents they required yet they still say they're unable to locate any data.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent letters to Equifax asking them to investigate an account from XXXX XXXX XXXX, as of XX/XX/XXXX, they failed to respond to my request as to how they verified this account. 

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when it will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?
Complaint sub-issue: Can't close your account

Request card closed on XX/XX/XXXX and  as of XX/XX/XXXX card has not been closed. Card is still accruing {$34.00} a month payment. Card was not used since XX/XX/XXXX. Card was dormant in use for XX/XX/XXXX, XX/XX/XXXX and then in XX/XX/XXXX card still was not closed and billings still arrived, first asking for {$56.00}, and now {$95.00} in collections which is black mark on my credit report. 

Why would it take that long to get a deposit from a secured credit card, more than 6 months has passed since my written request. Representative advised that I pay off th {$95.00} and then I will be able to get the entire {$300.00} which is the amount I originally secured this card with. 

Please advise a resoluaiton to this problem.
Complaint sub-issue: Contacted me after I asked not to

XXXX XXXX XXXX XXXX on behalf of Jefferson Capital system llc has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old
Complaint sub-issue: Their investigation did not fix an error on your report

To whom this may concern : I have made a vow to myself that I would work strictly on my report and be persistent to reach my goals. However. The credit bureaus is making this process extremely hard due to their unethical and lazy practices. This is my 4th complaint against them because the entire system is unfair, reporting unfairly, and calculating credit scores unfairly. I have noticed the bias and I will let this be known publicly until the right person sees what's going on. Now, I have been working on my report for years. Never ever received the results I was expecting even when I tried very hard to do so. I gave it a break to come back and this time I actually feel good with the progress I've made on my behalf as far as keeping my current accounts in good status. The credit bureaus calculations shows poor ethics if I were to go by the calculations. Something's isn't right!!!! All of this is bias and the world needs to know about this. I have over 7 accounts in good standing but 3 late payments are keeping my school In the low XXXX 's. How? Not only that, today, XX/XX/2021 a collection account balance decreased from XXXX dollars to {$0.00} and my score dropped XXXX pts? From XXXX to XXXX. I don't understand. This is unfair. Experian has a full balance being owed for XXXX and the account was paid in full. ( I have a letter to prove it ). However, Experian claimed they investigated only to come back with the same information that was there before the dispute. Remind you it takes 45 days to close a dispute. That is too long to wait for a response from inaccurate information that was never verified. Them have to do the dispute again and waste 45 more days. I guess consumers doesn't have a life or goals. 90 days of delays, because my score is stagnant until then. There is nothing else to dispute on my report. I'm asking if someone can please take a look at my report. Something isn't right and I'm going to get to the bottom of this unethical act. It all seems bias to me because it's no way ... .people will miss this if they don't pay attention to what's going on. Please see attachments below. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have submitted several identity theft reports, personal statements, and police reports to Equifax about removal of fraudulent accounts and inquiries. Due to the fact I was affected by the Equifax and XXXX breach I believe this company should be accommodating my request to remove anything fraudulent, but they are not and giving me an extremely hard time.
Complaint sub-issue: Other problem

Months ago, I lost my credit caard and the account was closed. A new card was issued. Discover advised I overpaid the first card XXXX. They advised they would send me {$60.00} refund. It never arrived, so I called them. They said they will send me a new refund check. 

I was out of town, and upon return, finally I received the one check from Discover to XXXX XXXX XXXX for {$60.00} issued XX/XX/XXXX. routing XXXX check XXXX # XXXX in top right corner it states XXXX under corner states : XX/XX/XXXX I deposited the {$60.00} in my XXXX XXXX   account XXXX on XX/XX/XXXX the check was received by XXXX XXXX. 
On XX/XX/XXXX by US post gave me an envelope from XXXX XXXX  stating STOP PAYMENT Return reason : stop payment. Internal seq # XXXX Deposit date XX/XX/XXXX I phoned XX/XX/XXXX and three personnel answered, but the first couple were clueless of what to do. The supervisor XXXX in customer service in XXXX Arizona, team number XXXX advised the stop was because I called to advise I neer received the check. 
I contest, that yes, the first check was never received, so OK, to stop it, but the agreed to then send me a new check. 
SO, this is the replacement check, and it should have funds. 
BUT IT HAD NO FUNDS< because Discover had also put a stop to it. 
I never received any other {$60.00} refund Now, XXXX charged me {$12.00} return check fee. 
I asked XXXX to a ) send me the {$60.00} again, or b ) deposit it in my DISCOVER CARD account, so It goes directly to my card, and reduces my card by {$60.00}, but he said he can only send a new check. 
I asked to please refund the {$12.00}, as this was the check that they promised to send, and when I received it, I trusted it had no stop payment to it XXXX refused to refund the {$13.00}, and when I was irate, he told me he won.t send me the refund OR the additional {$12.00} and proceeded to hung up. 

I hereby request they refund my {$60.00} or put it back in my credit card, PLUS refund me the {$12.00} they uncured me because they did send me a new check, but this one too was stopped. I never got any other prior or after, so this is the only one I received, and trusted their word that they would send me my refund WITHOUT a stop payment, but they don't care, and they are rude and hang up instead.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. My accounts ( apart from XXXXXXXX XXXX  ) have violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shale not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurat
e.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account nameXXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1900.00} : Updated : XX/XX/XXXX Account nameXXXX. XXXXXXXX XXXX XXXX XXXX  XXXX {$880.00} : Updated XX/XX/XXXX Account XXXX. Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Amount {$920.00}. Updated : XX/XX/XXXX has violated my rights my accounts. 15 USC 1681 section 602 A. Statues 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information.

Other than the records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 ( A ) person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

These are not my accounts as someone opened up these accounts with my social security number and another name. These accounts do not belong to me, nor do I have a contract with anyone of them. Please remove these accounts from my credit profile in it's entirety.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I had an issue with my XXXX Pre-Paid Debit Card ( issued by U.S. Bank National Association ) yesterday evening ( XX/XX/21 ) while attempting to order food through XXXX  XXXX. I attempted to use the card several times before I found out that XXXX XXXX had been hacked. Due to the repeated attempts, my debit card was locked. I called the Customer Service several times ( XXXX ). I was told that because of the number of attempts to use the card, it would be locked for a maximum of 24 hours. Even after verifying that all of the attempts were made by me and that there was NO fraud taking place, they STILL refused to unlock my card, REFUSED to let me speak to ANYONE above the supervisor. I attempted to use the card today ( XX/XX/21 ) and the card was still locked. I called Customer Service again this morning at XXXX, and was told that the card would be unlocked in an hour. I went to use my card well AFTER that hour and my card was declined. I called Customer Service AGAIN and was told that because I attempted to use the card again, it reset the 24 hour lock and that there was NOBODY that could unlock my card, because it was done by an automated system. I was lied to by the female employee who told me that my card would be unlocked. I know full well that the card can be unlocked, yet they REFUSED to unlock the card, REFUSED to allow me to speak to anyone above the supervisor. This is completely UNACCEPTABLE. That is MY money on that card and I REPEATEDLY verified that NO fraud had taken place. After this 24 hour " lock '' is completed, I am removing all money from this card and will NEVER use it again. I am also taking to social media and telling everyone how this company treats its customers.
Complaint sub-issue: Reporting company used your report improperly

First to start I am submitting this complaint on behalf of MYSELF. My name is XXXX XXXX. I recently submitted a dispute via the mobile app for XXXX XXXX, and Equifax disputing items that per the FCRA should be excluded from the consumer report as well these companies did not have my written consent to report any information. Additionally, I should not have any items on my consumer report as 1. I did not give any consent to harbor my personal identifying information without my consent or the judgement of a competent court of jurisdiction. Having my personal information is a violation of the Privacy Act as well as 15 USC 1681a ( 4 ). Also reporting to credit reporting agencies is voluntary per the CFPB. To further per 15 USC 1681b ( 2 ), I have mailed my written instructions to all consumer reporting agencies, certified mail return receipt, regarding my consumer report. I have been injured by the errors and the violations against me, a federally protected consumer as it relates to my consumer report as the errors have cause me to be denied for consumer credit transactions. Additionally, XXXX  is in violation of 15USC 1681a ( 2 ) ( b ) for including items that should be excluded from my consumer report. Again I am Sending this complaint on my own behalf. This is NOT a third party complaint
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I am in the process of mailing a notice including this relevant information to Rausch Sturm LLP, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 

As a summary, the debt collection company is not following debt collection practices in the area of suing me, sending me the wrong information and notices of intent to apply for default judgment when they are disregarding three key Minnesota Court Rules : Minnesota Court Rule 5.02 ( c ) ; Minnesota Court Rule 355.02 Subdivision 2 ; and Minnesota Court Rule 5.04 ( b ) 2020 Amendments.

" This message is to inform you ( any practicing lawyer at that you are not following Minnesota Court Rule 5.02 ( c ). Effective Date Of Service; and Minnesota Court Rule 355.02 Subdivision 2. Service By US Mail. These rules state that service by US Mail, which is how you were served, is completed upon mailing. I have provided copies of my certified delivery receipts and tracking numbers and delivery notifications when entered into the United States Postal Service website, indicating both the date of mailing, XX/XX/XXXX, and the tracking numbers indicate receipt upon XX/XX/XXXX. Your message, also included, states your affidavit was served on XX/XX/XXXX. The mailing date is, therefore, within acceptable delivery timeframe pursuant to your Summons and Complaint. I have enclosed a relevant information page of your request for discovery rules, dated XX/XX/XXXX as proof of your receipt of my Answer as well. USPS Tracking Numbers XXXX and XXXX. 

You have not complied with Minnesota Court Rule 5.04 ( b ) 2020 Amendments to provide a separate affidavit of service of your Notice Of Intent To Apply For Default Judgment. Failure to send an affidavit in a separate delivery violates this amendment as : Rule 5.04 ( b ) is amended to expressly require that proof of service be provided either by : ( 1 )... or ( 2 ) by filing a separate certificate of service. The amended rule specifies that a certificate of service must be signed under oath or penalty of perjury by the person effecting service. The certificate must also establish the specific time and manner of services, as this information is often required to determine the deadline for response. As this was not properly provided in a separate envelope or other separate mailing package that does not include the form it describes, your Notice Of Intent To Apply For Default Judgment is not valid for your stamped date of XX/XX/XXXX and will not stand contest or appeal in court unless you can supply documentation of a separately mailed Affidavit of Service, typically via certified mail receipt ( s ). 

As I have complied with Minnesota Court Rule 5.02 ( c ) and Minnesota Court Rule 355.02 Subdivision 2, the included copy of relevant information from your message noting the intent of obtaining a default judgment, dated XX/XX/XXXX, is false. ''
Complaint sub-issue: Information belongs to someone else

I have been the victim of ongoing and troubling ID THEFT. I have several incorrect items reporting on my Equifax credit report. My address needs to be corrected as well as the fraud items need to be removed. Police report on file.
Complaint sub-issue: Account information incorrect

Equifax is reporting negative information in reference to a student loan account. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal.
Complaint sub-issue: Information belongs to someone else

I noticed a couple accounts on my credit report I do not recognize
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the company numerous of times to have the account information updated. That is still reporting incorrect and this is hurting my credit score. that dates should be updated from late to on time this is crazy that I have to keep going thru this with this company.They are not validating the account at all. They 're only verifying that the account is mine. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX please fix my account I dont know what else to do.
Complaint sub-issue: Debt was paid

PAID ORIGINAL CREDITOR ALREADY! THIS BILL IN IN DISPUTE UNDER FCBA ACT. CEASE AND DESIST COLLECTION EFFORTS AND STOP CALLING MY WORK AND CELL NUMBERS.