Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 XXXX. 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 XXXXThis 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: Problem during payment process

On XXXX XXXX XXXX I called Sears credit card to make my monthly payment I spoke to XXXX I told him to that I wanted tie pay {$50.00} and he gave me an authorization code of XXXX. I then asked him why my last payment was not showing on the statement. He stated he would send me a new statement showing the XXXX payment. Then he stated my next XXXX statement would show my {$50.00} payment and I said goodbye. I checked my bank account on XXXX XXXX. XXXX XXXX and found out that {$280.00} had been taken out by Sears not the {$50.00} I had authorized. I immediately called Sears credit card and the rep spoke to an account specialist she asked if my bank was still open I said no. The rep asked me if I wanted to speak to the account XXXX. I said yes and I was transferred for her. Her name was XXXX. I explained was upset about this unauthorized amount and I wanted it return the next day. She said that it had to remain on my for XXXX days befire she could anything and it would sent by wire back to me XXXX to XXXX days later so the earliest I would get it would be XXXX XXXX XXXX XXXX. I was extremely mad. I asked why .she never said why it had to be XXXX days before anything could be done.Then she wanted me to call back the next day, I asked why, she said to call the bank. I became very angry at this point and said why I am calling you now and this is your mistake and I am not fixing it. She said Im not asking you to fix it.She then asked my bank info. I gave it to her and ended the call. I waitednuntil XXXX, XXXX XXXX and then checked my account. No refund, so I called Sears credit card again .XXXX answered and I told him about the unauthorized amount and I said were is the refund. He states let look and then I was hung up on. I called back and asked for a manager, I got XXXX who read the notes and even called the account specialist and she toldhim she sent on XXXX XXXX. XXXX. I said I had called bank prior to calling them and no refund was showing.Dakota said well that is thebank she sent it to and can not find it. I saiddo what you can because I 'm done with your company. Again they wanted the bank info, I told him I did not have it and told him to look for the refund and hung up. After I got off work I called a XXXX time and told the rep to get a manager .This time I got XXXX he was rude and it made me very mad I told him I had been hung up on and I could not seem to talk to same petsonso repeated what happened for the XXXX time to him and again gave mybank info only to be told again it would be XXXX to XXXX days once found to be refunded. I will never use this card again and I have told them I will pay it and I will get rid of it. Today is XXXX XXXX. XXXX and I still have not been given my money back. This is ridiculous the phone number I call is XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

A while back I tried to put a XXXX utility bill in my name and I was told I couldn't open a account because I had a old balance from a home I never lived in my life. So recently I was interested in obtaining some credit for a business im starting so I pulled my credit report for the first time and the first thing I noticed was a couple of addresses that I never lived at before in my life also It was a job listed I never worked, then I noticed I had a couple of accounts that I didn't open also I had a lot of Inquiries. These things have really affected my credit
Complaint sub-issue: Impersonated an attorney or official

Vision Financial gained every number of my relatives, customers, and co workers from XXXX XXXX and sent a blanket message that a court action was going to be filed against me over an old debt. I have contacted XXXX 's Security department and they are investigating this as a potential hack of their systems. I will be taking legal action against them for damages but need this investigated. Phone number for them is XXXX
Complaint sub-issue: Old information reappears or never goes away

I HAVE REACH OUT TO XXXX MULTIPLE TIMES ASKING THEM TO REMOVE THESE OUTDATE INVALID ACCOUNTS. THE ACCOUNTS ARE REPORTING AS CHARGED OFF ACCOUNTS WITH AN ACCOUNT BALANCE AND THEY ARE OUTDATED - XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I have some very alarming concerns about what these companies are trying to do. I have been receiving collection notices from TWO different companies. Why are TWO different companies trying to collect on the same alleged debt???? I feel very harassed and stressed getting these demands from TWO different companies for the SAME bill!!! The companies are Rodenburg Law Firm in XXXX, ND and XXXX XXXX XXXX in XXXX, VA. One of them sent a Sheriff with a summons to my house and handed a summons to someone else that was there. I do not remember which one I talked to on the phone, but they were very rude and demanding. I felt very harassed and was forced into setting up a payment arrangement that was financially out of reach for me. Even though I did not know what this debt was for, I tried telling them about my financial difficulties due to medical issues but they did not care. After speaking with my niece, who is helping me with my financials after my medical issues, she said we need to know what they are talking about before you send them money. We then sent them BOTH a request for validation letter. 
They BOTH responded. 
Portfolio response was with a few old credit card statements and a Hardship request form, which we filed out and returned to them. 
Rodenburg Law Firm sent a stack of statements and a demand for payment/ threatening court and a settlement offer due immediately. 
I am also VERY concerned as to why this company, who is saying they are a " law firm '', is sending information in the mail that contains my social security number on it for anyone to see???
Complaint sub-issue: Public record information inaccurate

There is a bankruptcy reporting on my account that is erroneous in amount that is showing {$0.00}. Also I was told that it had been verified through the courts which was a lie because I received a letter from the courts on XX/XX/XXXX stating that they do not do such.
Complaint sub-issue: Information belongs to someone else

Per FTC sec 609 credit agencies are not validating my credit account they are simply verifying my information.
Complaint sub-issue: Problem getting your free annual credit report

I ordered my free annual credit report from all three bureaus XX/XX/2018, received my XXXX and XXXX  reports but have yet to get my Equifax credit report. The FCRA states that a consumer is to receive their requested credit file no later than 15 days. I dont care if Equifax is having high volumes of equests because that is not my problem, its Equifax responsibility to provide me with a free copy of my credit file within 15 days of requesting it. They are breaking the law and in violation of FCRA, they are potentially ruining my credit by not providing me with my credit report because I have no knowledge of what is on my credit report with Equifax.
Complaint sub-issue: Information belongs to someone else

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX  XXXX {$850.00} XXXX  XXXX {$440.00} XXXX  XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX  XXXX {$360.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX  XXXX {$510.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS ARE ACCOUNTS THAT ARE REPORTING INACCURATE TRANSACTIONS. THOSE NEGATIVE MARKS WERE NOT DONE BY ME AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT SCORE. DUE TO THESE DEROGATORY ACCOUNTS IT IS NOW HARD TO ACQUIRE NEW CREDIT. ITS EMBARRASSING TO BE DENIED CREDIT WHEN I AM NOT AT FAULT FOR THOSE TRANSACTIONS. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS COMPLETELY OFF MY CREDIT.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/XXXX I begin disputes with Equifax XX/XX/XXXX I received an email that the disputes were complete. 
Impossible to see them online ( their system was down ) I spoke with a representative who could not confirm my identity even though I gave her multiple correct answers. 
I spoke with a supervisor who also could not confirm my identity even though i was reading off my credit card statements the answers she was looking for. 

The only way they will mail me my dispute information was to send them 2 forms of identification through fax or mail which I will not do. 

XXXX & XXXX  were easy to deal with and resolved my disputes correctly within days. Equifax is a complete joke of a company. I can not believe they are trusted with this kind of sensitive information. Why were they not put out of business after the breach? It's clear this is not a well run organization.
Complaint sub-issue: Threatened or suggested your credit would be damaged

In XX/XX/XXXX I was alerted through credit monitoring that a company named Hunter Warfield in XXXX, FL reported a fraudulent collection account under my name and ssn #. I immediately contacted Collection Attorney XXXX XXXX who sent a letter to the company requesting court documentation confirming the account however no court documentation or court judgments were provided. Attorney XXXX requested court documentation again in XX/XX/XXXX however Hunter Warfield failed to provide any court supported documents as required by the State of Michigan for non-payment of rent complaints. Instead the company continues to report inflated amounts for a fraudulent collection account to all 3 credit bureaus in attempts to ruin my credit. A 7 Year Fraud Alert was initiated on my accounts in XX/XX/XXXX after I received alerts for Homeland Security and the US Dept of Personnel in Washington, DC indicating that my personal information was compromised from their databases, and this information was sent to all 3 credit bureaus. The fraudulent entry of Hunter Warfield needs to be removed from my reports unless they can provide court documents, court judgments, or other court documentation for the alleged account.
Complaint sub-issue: Debt is not yours

I have never went to this company credco XX/XX/2017 or i never asked or gave no one permission to use my name so y should i be charged for something ive never done or asked for so it was someone else ... Stop charging me an take off my credit please ive never went to this company before
Complaint sub-issue: Account information incorrect

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$9500.00}.
Complaint sub-issue: Public record

EQUIFAX fails to act in accordance with FCRA Section 609. EQUIFAX fails to provide " the source of this information. '' Equifax fails to provide copies of the documentation used to verify this tax lien. EQUIFAX continues to report this inaccurate information on my credit files which lowers my credit scores. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed that XXXX has placed XXXX unauthorized hard inquiries on my credit report. I have not given any lawful consent for any of the credit reporting agencies to furnish any negative information on my report. This is my written consent to opt out of any furnishing of any non public information including inquiries hard and soft. These inquiries are to be removed immediately. An identity theft report has been attached, and a police report has been filed as well.
Complaint sub-issue: Investigation took more than 30 days

I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Complaint sub-issue: Account status incorrect

Started a car loan application in XXXX XXXX After one month decided not to proceed. In XXXX XXXX my credit was re-pulled twice with XXXX XXXX XXXX XXXX. I wrote XXXX XXXX in XXXX via certified letter to ask if they could please remove both inquiries as they were not authorized. I recieved a letter back from XXXX XXXX that both inquiries would be removed in 30 days. It is now XXXX XXXX and both inquiries remain on my credit report. I attempted to contact XXXX XXXX by phone on XXXX and left a voicemail, but have not heard back. I have tried to reach Equifax on multiple occasions and it is near impossible to speak to a person.
Complaint sub-issue: Collected or attempted to collect exempt funds

Debt collector is hassar ring me and have not answered the following information I have provided, according to the law. Please have Jefferson Capital System either provide physically proof or stop hassar ring me and I'm seeking remedy.
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX XXXX. I am contacting the bureauS today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I wrote in requesting an investigation into items that I believed were Inaccurate and misleading information,. As mentioned in my previous letters I am a victim of the Equifax data breach and no more than ever I believe my information has been compromised. To date, over 60 days later I have not received a reply or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I anticipate a timely response with the resolution of this unfortunate matter.
Complaint sub-issue: Their investigation did not fix an error on your report

There are 2 inquiries from XXXX XXXX. They were within 30 days of each other. XXXX tells me that they did not order the second one. Again, they tell me that they did not order the second inquiry. Additionally, if they did run it... .without my permission, it was within the 30 day statute where it should not be recorded. Equifax keeps sending me disputes that says they are a matter of public record and that its too bad. Teach these XXXX  that they are in violation of the law.
Complaint sub-issue: Public record information inaccurate

I filed for chapter 7 bankruptcy over 12 years ago, it has been discharged for over 10 years and it is still showing on my credit report and they have not removed it
Complaint sub-issue: Reporting company used your report improperly

Inquiries where furnished on my consumer reports I did not initiate nor did I give written consent to report on my consumer reports which shows fraudulent activity.
Complaint sub-issue: Reporting company used your report improperly

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




15 U.S.C 1681 section 602 A. States I have a 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
Complaint sub-issue: Information belongs to someone else

Please help. In XX/XX/XXXX my data was breached and I have spent the last two years with countless hours and sleepless nights trying to repair my credit. I have been denied a refinance, a refinance cash out and equity. I have XXXX in equity of my home and we are in danger of loosing it because a bank or lending company will not help due to my credit being so bad from fraud. I continue to have fraudulent transactions and I am now requesting that the following companies remove all negative information and restore and reverse any damages to me since XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX all accounts restored and any negative or incorrect information removed XXXX XXXX XXXX has been a darogtory account damaging my credit and have stated to pay them just to help my credit. Two years tying to resolve this account. 
Inquires XXXX XXXX XXXX Equifax mortgage XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the 10 payments from XX/XX/XXXX missed be removed immediately because they were missed due to identity theft. Please help! I am so scared that we will never get the help we need and it is so unfair that I can not get my credit restored after 2 plus years. Equifax should pay major restitution for ruining lives. Please, please help!
Complaint sub-issue: Account information incorrect

I have a mortgage with XXXX XXXX, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.
Complaint sub-issue: Debt was result of identity theft

The following company has continued to report the following account to my credit report. The company has failed to provide me with violation of debt. I am bringing this information forth to a judge in my area if this account is not removed from my credit file.
Complaint sub-issue: Investigation took more than 30 days

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, EQIFAX refuse to abide by the FCRA
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am a victim if Identity theft, which i have notified all 3 Bureaus previously. Again I am sending a copy of my driver license and my social security card along with my proof if address nad FTC reports
Complaint sub-issue: Public record information inaccurate

The SEARSXXXX XXXX account that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.
Complaint sub-issue: Account status

Every time I try to file a dispute, it wo n't let me complete the process.
Complaint sub-issue: Debt is not yours

On XX/XX/2019 I contacted Avante USA Collections about two identical accounts on my credit report after trying to clear up what I was looking at in black and white I was being told that it wasn't so and that I had two accounts in collection with them from the same place by two different people for the same amount. I told them they can't report the same account to my credit twice and that they needed to fix it and they said the can. I emailed XXXX showing her the evidence and still nothing other than telling me that they can do report what looks like the same debt to my credit twice, then go on to tell me I won't be able to get the information from the collector as fast as she can even though the debt has my information on it, then she was telling me where I was and that I was at the place in questions we were going back and forth and I told XXXX I would handle it. So i'm doing just that I have rights and I want this off of my credit, they said when I called that all calls where being recorded and it was an attempt to collect a debt. I never said that the debt was mine. 
the amount is XXXX  *XXXX= XXXX of bad debt on my credit
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the XXXX XXXX XXXX account from my credit reports with Equifax several of times, 10 to be exact. It is reporting as an authorized user account and I have never authorized or approved for this account to report to my credit report. Meaning Equifax had no permission to report it either. This is not my account. I have never applied for a XXXX XXXX XXXX account. This account need to be deleted from my credit reports. 
And before Equifax tries to stall the investigation here is the account number : XXXX
Complaint sub-issue: Reporting company used your report improperly

Through Equifax 's negligence, I have reason to believe credit report data on myself was obtained by unauthorized entities.