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

I have been sued by Jefferson Capital on an old credit card ( Salute card ) I opened in XX/XX/XXXX, I provided them with a copy of my old XXXX credit report. it 's listed it as satisfactory account closed without any outstanding debt. I communicated this info to the law office collecting the debt on behalf of Jefferson Capital. I was told that the account number does not match what they have. I mailed a letter to original creditor ( salute card ), they responded that my account was old and therefore was removed and purged from their system. They never provided me with complete accounting of the debt nor whether the debt was transferred or sold.As matter of fact, I was only given one copy of generic statement. I also point out that Jefferson Capital was sued by XXXX back in XX/XX/XXXX and a settlement was reached. This is a deceitful tactic from Jefferson Capital to report the account under wrong account number to give them leverage to sue by providing the accurate account number this time.Since my account was closed in XX/XX/XXXX, I never received any collection letters from Salute that I owed money until I received notification from the court before small claim in XX/XX/XXXX. They levied my house and tied my hands to not be able to refinance to pay for my kids college tuition. I tried to settle the account even though I do n't owe anything to them, I pleaded with them and provided them with proof of financial hardship but they ignore my offers, emails and phone calls. I only wanted to settle so they can free up my title but they are just playing games with me and do n't have the courtesy to respond back to me. I was honest and told them the reason of my settlement and that I am pressed of time to finish my refinance in order to pay my college tuition. They are just taking advantage of my situation and my emotional distress. I can provide with any supporting documents. I also would like to reference the lawsuit against Jefferson Capital in XX/XX/XXXX, Case XXXX XXXX XXXX Filed XXXX/XXXX/XXXX
Complaint sub-issue: Personal information incorrect

Last year, as part of my XXXX transition process, I legally changed my name from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. I obtained an updated birth certificate, social security card and driver 's license, updated my name with my employer, updated my name with my mortgage company and paid my taxes with my new name. However, despite repeated attempts to use Equifax 's dispute process to update my name ( which is their process for name changes ), they continue to reject my requests. These are the dates that I've submitted online disputes to them : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've also tried updating my information with them by mail, but they've also rejected that attempt.
Complaint sub-issue: Public record information inaccurate

Company named Checkr reported back to my employer that my Motor Vehicle record stated that on : XX/XX/2019 I was charged with obstructing passage of other vehicle.. This is incorrect ... 
XX/XX/2019. Involved in accident .... This is incorrect ...
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/2019 I had an observation stay at XXXX  XXXX. A month later I received a bill from the hospital for {$5000.00} and I realized that they didn't charge my secondary insurance, only my primary. I called the hospital on 2 different occasions and provided them my secondary information to run. In XX/XX/2019 I was sent to collections for the full amount of {$5000.00}. I contact RevSolve, who is the collection company handling my account and explained the situation. They acknowledged that only the primary was charged and said that I was still responsible for the full amount, even though it is the hospitals fault for not running my secondary. They refuse to correct the situation and continue to try to collect {$5000.00}, which they acknowledge is incorrect.
Complaint sub-issue: Information belongs to someone else

I have several information that is on my credit on my credit report that I don't recognize, nor does it belong to me. Additionally, there are addresses I have never lived nor did I authorize any of these companies to run my credit. Please delete the following information as I have rights according to the fair credit reporting act. This is now the second request. Note that I am not a credit repair company nor a mortgage company either. I just want to live peacefully. Thank you very much.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} Medical XXXX Balance XXXX {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

FTC Violations Name is not correct : XXXX XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} DEPT OF EDUCATION/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  XXXX {$710.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX, XXXX  XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX BY PHONE DBA CHECK INTO C XXXX {$490.00}
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : EQUIFAX MORTGAGE SER-Date of inquiry XX/XX/XXXX XXXX-XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

LexisNexis has furnished my public information to consumer reporting agencies without my written permission. It violates consumer law under 15 U.S. Code 1681b - Permissible purposes of consumer reports in addition to violating my right to privacy. They are not only liable for a civil liability but, also damages I have sustained due to their negligence. Courts do not furnish public information to Consumer Agencies
Complaint sub-issue: Trouble with how payments are being handled

I have a private loan that has interest of 6 %. During the time that I am in school I am required to make payments on the interest that builds every month. On  XXXX   XXXX     2017 I r eceived a billing statement that said I owed  XXXX  due by  XXXX   XXXX     2017. I  paid this amount on  XXXX   XXXX     2017 wi th the understanding that this amount was the interest that I would owe for the billing period. On  XXXX   XXXX     2017 I   received a billing statement that said I owe  XXXX  due by  XXXX   XXXX     2017.  On  XXXX   XXXX     2017  I called the company. They say that the amount I paid in   XX/XX/XXXX  wa s applied to principal instead of paying off the interest. I was literally told that I should not pay my bill so early. It is to my understanding that the amount that is posted that I owe is my interest payment and will be applied only to interest unless I choose to pay more than the amount on the billing statement. I was also under the impression that it should not matter when I pay my amount due as long as I make the payment before the due date and after receiving the statement. It is specified in my original loan agreement that I will only make interest payments during the time that I am in school unless I choose to do otherwise and that the amount I will be billed for will only be the interest. The money that I am paying each month is not going towards my interest and I am being forced to pay more each month because I am paying my bill before the exact due date. All loans were transferred by   XXXX   XXXX   XXXX   XXXX    to this  new   XXXX   XXXX  company.   Since the loans were transferred I have had nothing but problems and when trying to get them fixed you go through circles calling over and over again with no help from customer service.
Complaint sub-issue: Didn't receive enough information to verify debt

I had an auto loan through an auto finance company back in XXXX. In XXXX without my knowledge they sold my car loan to a debt collection agency. They also sent a company to try and repossess my vehicle, and they did and I was not even behind in payments. I had to pay {$60.00} to go get my vehicle back for the mistake they made. All of this with no paperwork and no proof that I owed this debt collecting company anything. I have been paying this company for four years now and called in XX/XX/XXXX to find out how much I owed and they said I still had to pay until end of XXXX. I in turn sent a letter notarized to them which they received on XX/XX/XXXX and they had 30 days to respond with any billing statements. I wanted an audit of my account. I have heard nothing from the debt collection agency since then. They keep transferring me to different departments and do not give me an answer. I have my paperwork from the original finance company and I was supposed to be done with my payments early this year. I would like to get the title to my vehicle as soon as I can. I am afraid this company will try and take more money from me. Please help me with this situation.
Complaint sub-issue: Reporting company used your report improperly

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No- XXXX XXXX. Past Due- {$900.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Complaint sub-issue: Account status incorrect

There a bunch of collection accounts showing on my report and severely damaging my credit score. The damage is causing major issues with my financial life and literally costing me more. Due to this incorrect reporting ; we have been unable to buy a home, we have been passed over on renting a home, and we are paying more each month for car payments and insurance. According to each collection agency, all accounts need to be deleted from my credit report. I am including the names and confirmation numbers for each acct.
Complaint sub-issue: Information belongs to someone else

I was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.
Complaint sub-issue: Account status incorrect

LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT
Complaint sub-issue: Debt was result of identity theft

Fraud account, that was disputed with XXXX XXXX XXXX  never had account with company, sold to debt collection agency that is reporting inaccurate information on my credit report, damaging my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was checking my credit report and noticed that a couple of companies that I didnt know are did business on my credit report I tried writing them but they didnt operating right
Complaint sub-issue: Having problems with customer service

Hello, Im writing to express the difficult transition in the transfer of my private student loan from XXXX to FirstMark Services. I have been paying this account since XX/XX/XXXX, without falling behind on my payments. I had been using an online account to make these payments. As of XX/XX/XXXX my loan was no longer being serviced by XXXX, which I just found out XX/XX/XXXX and immediately paid the entire amount past due. 

During this transition I never spoke with either party that this was happening. Never receiving anything in the mail or by phone. I did search and find several emails from FirstMark services in my junk folder after I had discovered there was a transfer. The website I had been using to make payments ( XXXX ) has/had no messages informing me of this transition. I discovered what had transpired by contacting XXXX on the phone because I have been unable to make payments via website or automated phone system. When trying to make payments on the account it displayed there is no minimum payments due. I should have called sooner to investigate the disapearance of my loan, and for a few months I just assumed that I was ahead of my payment schedule which is why there was no minimum due. 

After calling around finding the new location of my loan I was informed that I was only days away from defaulting on a $ XXXX/month loan that I 've never missed payment on prior to this transition. 

I hope there is someway to fight the late payments filed to creditors since I work very hard to my debts and maintain a healthy credit score. Thank you for your time.
Complaint sub-issue: Reporting company used your report improperly

The following accounts listed on both my Equifax and XXXX credit reports are in violation of my rights. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX XXXXXXXX The following inquiries are also a violation XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX this one has a ludicrous amount of dates ) XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX via XXXX ( too many dates to be anything but fraud ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are a number of other inquiries on my credit reports and I kindly ask that they all be removed as the majority of them are fraudulent and in violation of the following laws... 
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 Upon completion of this I would like to have an updated credit report mailed to the address on file. Thank you for your time and consideration.
Complaint sub-issue: Information that should be on the report is missing

I need to speak to a Human Being at Equifax & I am not able to due to their automated system & with a call back request I still am not able to speak to a human being. In regards to giving them Feedback via their website it is not possible. I need assistance with a Security freeze for my account.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX Balance : {$290.00}
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; PA XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XX/XX/2022
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Best Buy was notified of a charge of {$7200.00} that was not to be on the card. In addition they had had charges from XXXX that should have been placed under contest and now credited as the company has admitted that they have been issued for refund. The credit card shows that have not valid and have t=saye not taken action for over 10 days. I get a call from a number in Florida that doesn't appear to be Citibank. I call back to get this resolved and still no results. The Best Buy Card has not resolved the charge amount provided provisional credit but rather leave the large charge against my credit report. The company has said it would be handled and not show and my credit would be available. Well it is not and it continues to be an open issue. The customer service is the worst as they hang up and do not follow through with their promises. I have spent over 3 hours on the phone and the charges from XXXX remain even though all of the items are returned and should show a refund and the XXXX charge does as well. They now are changing their position to get this resolved stating that this can take up to 45 days! This absolutely ridiculous if it is a charge that is fraudulent as it didn't go through and not mine. I find their business practices to be absurd and
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have repeatedly contacted the credit bureaus as I am a victim of identity theft. The hard inquiries are affecting my credit report. They refuse to remove them
Complaint sub-issue: Their investigation did not fix an error on your report

ON XX/XX/2019 EQUIFAX LOWER MY CREDIT SCORE FROM XXXX GOOD SCORE DOWN 60 POINTS TO XXXX MAKING MY CRED SORE POOR 60 POINT DROP ... ALL BECAUSE I CLOSED A MERE XXXX LIMITED MASTER CARD WITH XXXX XXXX XXXX THAT I HAD LESS THEN A YEAR OLD CLOSED ONLY BECAUSE I FELT I DINT NEED THIS CARD ANYMORE. 
AT THE SAME TIME I PAID DOWN OTHER CREDIT CARD BALANCES MORE THEN 1000.00 OFF MY TOTAL DEPTH WITH NO POSITIVE EFFECT FROM EQUIFAX I FEEL THIS IS A TOTAL INJUSTICE FROM EQUIFAX I PAY MY BILLS ON TIME ALL THE TIME ... AND THIS IS MY REWARD .... 
WHAT DO THE DO TO PEOPLE THAT DONT PAY? HANG THEM!!!!
Complaint sub-issue: Problem with fees charged

Pursuant to 15 usc 1602i I as the consumer am the original creditor. In accordance to 15 USC 1692 Ally Financial is criminally liable. I also was never given paperwork in regards to my loan information or car purchase. 
Furthermore, Ally is also civilly liable for double the amount of my finance charge in accordance to 15 USC 1640, and they are liable for each FDCPA Violation pursuant to 15 USC 1692K. I am demanding that they zero out the balance of this alleged debt and update my consumer reports, as well as remit payments to me for violations.
Complaint sub-issue: Reporting company used your report improperly

you have sent me this letter after my complaints This is my EMAIL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ( XXXX ) XXXX Social Security # XXXX This is Me if i have any more difficulties with this matters i will have to take a legal approach
Complaint sub-issue: Debt is not yours

account on my account thats not mine/fraud.
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

An agent from XXXX XXXX  call my place of work ( XXXX XXXX ) and threatened me with being served for my warrant for arrest and jail, wage garnishment, property seizure, etc. if I don't pay them over {$4000.00} for a debt on a credit card I ( never had ) back in 2010 with US Bank. I never had a credit card with US Bank, only a checking account that was closed due to no activity. Their phone number is XXXX and their case number on me is # XXXX. I unfortunately and unknowingly acknowledged my year of my birth, and my last four digits of my SSN over the phone with them.