Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX I applied for a checking account with XXXX. It was application ID:XXXX. They told me I was denied in part because of information furnished by Telecheck. I was shocked because the only check I write each month is too my landlord of the past 9 years, and I have never once bounced oXXXX of those checks. After much difficulty, I have received a report from Telecheck alleging I wrote XXXX checks on a checking account that I had closed years previously. Those checks were alleged to have been written in XXXX Colorado in XXXX at XXXX XXXX no XXXX. I have never in my life been a member of XXXX XXXX  nor have I ever visited XXXX Colorado. I have been the victim of widespread identity theft with police having contacted me from California and Washington state stating they found my personal information in the possession of criminals. I have also filed an identity theft affidavit with the FTC. Furthermore, the last 4 digits of the state ID claimed to mine on the Telecheck report do not match my Arizona DL which I have had since XXXX. I have also filed multiple fraud reports with TeleCheck including a signed affidavit stating I did not write those checks and they refuse to remove the inaccurate information in violation of the FCRA. To add insult to injury after the last dispute they added a third additional check to the report which was also committed by some criminal and not a check that I wrote. At this point, Telecheck is reporting fraudulent information about me that is causing me a great deal of stress and emotional issues as well as financial as I have to spend time and money disputing inaccurate data. Telecheck is not taking this serious. I know in the past they have been sued by the government for not properly investigating. I feel they are doing the same thing now to me and need to pay for their FCRA violations against me.
Complaint sub-issue: Information belongs to someone else

please validate this information and remove from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute on my student loans ( XXXX ) with Equifax and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. Equifax did not fix this issue and when I called XXXX they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from XXXX that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/XXXX
Complaint sub-issue: Debt is not yours

On XXXX while preparing to move out of state from my address of XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX I went to return my XXXX Equipment as required by my contract. I went to XXXX XXXX XXXX XXXX XXXX. 
XXXX, CO XXXX XXXX XXXX stars out of XXXX XXXX rating to return my equipment. I waited patiently for over a hour for service. When it was clear that the process was going to take more than a few hours of additional waiting, a service representative at the retail location suggested that we place the equipment on the counter and assured us that he would check it in, so we could leave, since we had been there for such a long time for a basic service. Which we did. We followed the service representative 's instructions and placed our equipment on the counter giving him our name and account information and left. 

Shortly after this event I received a XXXX bill for {$150.00} for equipment. I called and spoke to a representative which refused my version of events. when I received another bill, I called again and got no where. I have refuted this charge on all of my credit reports since they have listed a derogatory comment. Today I called the collection agency and complained.
Complaint sub-issue: Was not notified of investigation status or results

The issue is with Equifax regarding verifying identity with Social Security and address to place a fraud alert. When I communicate with an agent to place a fraud alert, the agent verifies my data with the information given over the telephone and then places a fraud alert on my file. Note, even though I can provide valid data, Equifax still blocks access to my file. However, when I communicate my concern about the file and the alert, Equifax wants me to send in via mail or in electronic form my social security card and official address. My concern is that a copy of my social security card with the number and a copy official address card was sent in without receiving any response whatsoever. This concern causes me to contact the Social Security System and alert them of my concern. I also noticed afterwards that Equifax was involved in a security breach of which I am part of this incidence. This means that my data is compromised. 
The parties that received the information via mail are Equifax Information Services LLC and XXXX XXXX XXXX who requested my social security card electronically. The entire purpose was to very the identity but uncertain as to what Equifax is doing with my data because Equifax is continuously blocking my account.
Complaint sub-issue: Didn't receive notice of right to dispute

JEFFERSON CAPITAL SYSTEMS placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. XXXX will not remove it even though the account is fraudulent.
Complaint sub-issue: Information belongs to someone else

I received an email XXXX weeks ago about a checking account that I had opened at XXXX XXXX- except I never opened any accounts there. It seems somebody got a hold of my Social Security number, my birthday, and other vital personal information and were able to make a checking account in my name. I have since closed it with XXXX XXXX XXXX, I froze my account on all three credit reporting agencies, And I even filed a police report for fraud. Then I got XXXX credit cards in the mail in both my name and a mans name, to an old address that I have not lived at for XXXX years. I am afraid that because this man has all my information he will keep trying to do things using my identity. This is basically a case of identity theft, and I do not want somebody to continue to use my information.
Complaint sub-issue: Reporting company used your report improperly

I recently reviewed my credit profile and noticed inaccuracies/incomplete information and accounts that are unverified. According to the fair credit reporting act, Section 611 ( 5 ) ( A ) and 15 USC 1681i, the below convergent accounts have violated my rights as a consumer. These companies have violated several of my rights, as stated below.

Violated Rights 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681a ( 2 ) ( a ) ( i ) - ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1692j ( a ) ( b ) - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1681g ( a ) ( 5 ) - a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

18 USC 894a ( 2 ) ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

15 USC 2509j The full faith and credit of the United States is pledged to the payment of all obligations incurred under this section Company : XXXX XXXX XXXX Dates : XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX Action : Late payments illegally reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Company : XXXX XXXX Dates : XXXX XXXX XXXX Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Violation of 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Old information reappears or never goes away

I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.
Complaint sub-issue: Information belongs to someone else

My personal credit report has a delinquent account referring to " Utilities '' from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX. I have tried to contact them to find out what this is for and can not reach a representative. When I call, a recording trying to sell everything from car insurance to XXXX XXXX comes on. I do not have any idea what this is for. The first delinquent date of XXXX XXXX  report is noted XX/XX/2020? The account # from them is noted XXXX. and is noted as " individual account '' all of thisinformation is included on the file attachment.
Complaint sub-issue: Problem with statement of dispute

An old XXXX account for {$85.00} keeps appearing on my Equifax and other credit reports. I have it removed from XXXX report only to see it re-appear under a different debt collection agency. Previously, it was XXXX. Now, it is XXXX XXXX XXXX. I disputed this account with Equifax and the said it was valid. It is absolutely not valid and they will not take further action. I want this XXXX account to go away forever.
Complaint sub-issue: Debt was paid

okay this company bought an old account from XXXX XXXX XXXX XXXX on a car that I had 3 years ago. the car was picked up by XXXX because the was no longer running but I continued to make payments on it until XXXX of XXXX? the name of the company that's calling is Jefferson capital .I have not received any document from XXXX telling me what the car was sold for nor was I ever given a notice to bid on the car at an auction.to this date I have no documents or paper work from XXXX XXXX and the balance that Jefferson is asking for is over {$5.00} not even close because this car did not run.. it sat in front of my place for almost a year so please ask them to stop calling me..
Complaint sub-issue: Account status incorrect

I recently contacted the CFPB under CFPB case : XXXX and I am unpleased with the results. Stated in the documentation provided by XXXX XXXX it is stated that they were unable to provide a signed copy of an application to provide, however used unsensitive information that can be found on the web to proof that I am owner of this account. I am going to ask for my previous demand for the late payments to be removed as I had auto-pay and the payment should of went through on XX/XX/2020 however there was an issue with XXXX XXXX on their end. Also it is reportedly unfactual to mark a payment for being 30 days late if the due date was XX/XX/2020 and you recieved the payment on XX/XX/2020. That's 12 days later due to an error on your systems, along with your reporting a payment for 30 days late when it was never 30 days late is infactual reporting on my behalf.
Complaint sub-issue: Was not notified of investigation status or results

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I
Complaint sub-issue: Account information incorrect

The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX XXXX is attempting to collect a debt from XXXX that was discharged thru bankrutpcy. Plus on top of that I never received any information about this debt before it hit my report. I would of told them it was no longer owed. Thirdlly the original debt was in my mother 's name XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Not given enough info to verify debt

Best Buy Card has not provided enough information about a debt I owe and says it will " charge off '' the account. I already closed this account with no other issues.
Complaint sub-issue: Problem with rewards from credit card

Hi I received explicit email from Best Buy Citi Bank credit card on XX/XX/XXXX offering me {XXXX0} in gift card if I spent over {XXXX} or more at the Best Buy store. I spent {XXXX} and waited paintely to receive the bonus offer. But I never did. I called in XX/XX/XXXX and was told it can take little more time. Finally called back today and was on phone with XXXX at XXXX XXXX and credit card to get to my {XXXX} gift card but no one knew what i was referring too. I offered over 5 different associates that I can forward the email I had received for This offer but no one listened. 
I finally decided to close my card but never actually wanted to close it if my initial issue was resolved. The closing department never read me the required disclosure to close my card. In fact when I called back supervisor XXXX confirmed too that I was going to call back later to close the card after I speak to rewards department. No where during our conversation I said YES I accept to close this card. No disclosures by law were to me and nor acknowledged either. Best Buy - Citi Bank handled this issue very poorly. 
When I called back few minutes later they denied to reopen the account stating they heard the call that I asked for Card to be closed. I politely begged to escalate the issue but no results. Most calls were to overseas employees which were in different in handling simple issue.
Complaint sub-issue: Contacted you after you asked them to stop

Morning : A gentleman called and asked for a manager. I replied what is this pertaining to? He stated I am looking for " my name '' then he said a woman that is not me. I said no. Then he says is this " my name '' and I said yes. He continued to say he was a XXXX Processor and I need to deliver papers to you. I asked again what is this regarding? He states I am not able to discuss this with you, I am just the processor. I stated Please send me documentation to this address and I will contact them from there. He stated that they don't send mail. I proceed to say, but you will deliver it? He stated are you at " place of work ''? I said this is a business, do not come here and stop calling. I also said if you show up I will call the police. 

Afternoon : A women called and again asked for a supervisor. I asked yes, what is this regarding? She began to speak aggressively and said is this " my name ''? I said yes and she stated that we need to serve papers to you and I need to get your location to serve you. I stated well what is this pertaining to? She said I can not talk about it that is why I need your location and the processor will serve them to you. I stated that well the gentleman that called said he was just a processor and that you, NCO Financial | Debt Collection Agencies | XXXX, would be able to tell me details. I also stated that I would like this in paper and ail it to me and I would be happy to look over it and go from there. She messed up on her script and said we never send mail because of covid. I said so you personally deliver papers because of covid? I believe she was surprised that I knew what this was about because it isn't the first time someone confused me as the other person. She then started yelling uncontrollably and said that I was ridiculous and said that she will go to the CEO and she would not stop calling. I said you will stop calling and if you or anyone from your business I will call the police. I hung up.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent letters reporting inaccurate and unspecified items on my credit report. On XX/XX/2021, I again sent letters in regards to the items being displayed on my credit report. On XX/XX/2021, in a finally attempt to reach someone I sent another letter regarding these inaccuracies. It has been well over 60 days and I have not heard anything or received any information regarding my investigation into my credit report. I wish to have these items removed as soon as possible as I am in the process of filing litigation.
Complaint sub-issue: Information is missing that should be on the report

My new employer information is not on my credit file it only has my previous employer information.
Complaint sub-issue: Was not notified of investigation status or results

I CALLED LEXISNEXIS YESTERDAY AND ASKED IF MY ACCOUNT WAS FROZEN BUT IT IS NOT AND THEY HAVE REPORTED INSUFFICIENT INFORMATION. SUCH AS INCOME INSUFFICIENT TO MEET CREDIT OBLIGATION AND RISK VIEW SCORE AND TWO SOCIAL SECURITY NUMBERS, TWO DIFFERENT ADDRESSES AND DIFFERENT NAMES ON CREDIT REPORT AND ALSO BANKRUPKCY. WHEN ASKED ABOUT THEIR METHOD OF VERIFICATION WAS IN FACT FALSE.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX pulled a hard credit check on me, which has grossly adversed my XXXXredit score. I have emailed the XXXX XXXX XXXX to inquire why my credit was yet again pulled and to date I have never received a response. I have requested from XXXX proof to show me that states I allowed this particular credit pull. 

My bank explained to me that this pull was a hard credit and significantly dropped my credit score, and therefore they can not offer me a business loan. 

XXXX has impacted my life and destroyed all hope at the moment to receive a business loan. 

I authorized XXXX over a year ago the ability to pull my credit and they pulled my credit then, however I did not give consent for another hard credit pull this past XXXX XXXX has made countless errors with regards to me, and now yet again. 

Please help me get resolution so this hard credit pull can be removed from my records asap. 

Thanks so much! 

XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I went to XXXX XXXX XXXX to potentially buy a used car, a XXXX XXXX. I was approached by a salesman ( XXXX XXXX ) and gave me more information on the vehicle. I advised the XXXX XXXX that I have pre-approval from XXXX XXXX XXXX. XXXX XXXX advised me that XXXX is one of the lenders they typically use and the can view my pre-approval. I advised him that I did NOT want to have my credit pulled, because I don't want any other hard inquiries on my credit report. He then stated that with my pre-approval, that wouldn't be necessary. I then filled out some information about me and my wife to move further in the process. After the paperwork was complete the XXXX XXXX advised the business manager / finance ( XXXX XXXX ) to review and submit paperwork to blucurrent for finance approval for the car. XXXX denied the submission, I was then advised to go to XXXX to see why and if the denial could be changed. I went to XXXX and was advised by my loan officer that the asking price exceeded the value of the vehicle and they would be unable to finance that vehicle. On my way home I contacted XXXX XXXX  XXXX  and advised my XXXX XXXX that I would be unable to buy the car. A week later I receive a new loan application denial from XXXX XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX submitted an unauthorized loan application, I gave specific instructions NOT to run my credit or submit a credit application. The information I gave was specifically to look up my pre-approval.