Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Seized or attempted to seize your property

Back in, I'm guessing around XXXX and XX/XX/2022, a man showed up at my doorstep to serve me with court documents for an upcoming XXXX XXXX These court documents had a broad list of what I was being sued for. It stated Citi card NA. Prior to this I had paid off 3 Citi card debts. I was unsure which debt this was for. The amount sued for did not match any one card I was in debt to. The second serving of these court documents had a court date listed at which I never made it to court. Time goes by and sometime in XX/XX/2022, I received a document that stated a lien was put against me. The paperwork attached again held very little information. It has a dollar amount I am unfamiliar with, stated it is not a court order etc. Not to mention I never received paperwork for the outcome of supposed court hearing. The holidays have passed so I started to look into this matter. I first figured out which card the amount belonged to, I think. I believe it may be a total to two cards. It was Home Depot by Citi. I can not locate this debt in my credit report either and believe the amount to be inaccurate. Anyway, I found this out by calling Citi card and asking about my accounts. I had paid off 3 and the fourth for under {$2000.00} was sent off to this law office. Just so happened to be the law office sending me this paperwork ... .fraudulent paperwork. I called their office and left a message early last week. In the meantime I contacted my XXXX XXXX XXXX recorder, who supposedly helped with this lien. Well, just so happened no such lien exists... so now I have fake court documents dated from XXXX ( more than ample time to show up in the system ), threatening to sue me over an amount that is not accurate with minimum info on the actual creditor involved. I do believe this all goes against the Fair Debt Collection Practices.. I don't know what to do. I was signed up with a debt consolidation firm for a year. Due to some unforseen events, I did not get the opportunity to complete the process, but did pay off quite a few debts. Since then I have slowly been touching base with the remaining debt owed and setting up payments. I don't even know if this amount is accurate and personally do not want to work with this firm due to their fraudulent scare tactics. Listed below is the company in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these items are inadvertently resulting in me being extorted.
Complaint sub-issue: Didn't receive enough information to verify debt

We originally tried to contact hunter Warfield by mail in XXXX of 2019 by mail. I have receipt of delivery but never received any information from them. After waiting 30 days to receive a letter from them I assumed they would not mail an invoice. This was listed on my XXXX credit report and I filed with XXXX  to validate the debt. XXXX did validate the debt and said it was owed. I then tried to contact Hunter Warfield by phone to ask them to send an invoice about the debt. Hunter Warfield stated they would not send us an invoice until the debt was paid. This seemed odd to me but we were trying to get our home refinanced at the time so we were between a rock and a hard spot. I paid this debt by credit card so I could receive a receipt. Even after payment they made me wait for a 24 hour waiting period before they would send receipt of payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted confirmation of payment on accounts listed unpaid on my credit to Equifax, XXXX and XXXX SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors. Creditors:XXXX XXXX/XXXX- paid in full XX/XX/2018XXXX XXXX XXXX- settled and paid  on XX/XX/2018XXXX XXXX-settled and paid on XX/XX/2018XXXXThese accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.
Complaint sub-issue: Account information incorrect

I sent UpLift a certified letter XXXX via USPS on XX/XX/2021 which was delivered on XX/XX/2021 disputing the inaccurate information they are reporting to my XXXX  Credit Bureau and they never investigated it. Please see the attached letter for a full explanation of all of the inaccuracies. They failed to investigate it and are still reporting the inaccurate information my credit report.
Complaint sub-issue: Not given enough info to verify debt

This is a complaint from XXXX XXXX against IC Systems for IC Systems 's failure to provide requested information for the debt alleged. As of XX/XX/2017, IC Systems has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Complaint sub-issue: Public record

Disputed bankruptcy, no dispute was placed on the credit report or was it removed, after 30 days still not reported as disputed. All other credit companies have removed said bankruptcy.
Complaint sub-issue: Debt is not yours

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
Complaint sub-issue: Account status incorrect

I sent several requests to Equifax in the past 10 months asking them to correct the remarks in a closed credit card from creditor XXXX XXXX XXXX. Equifax continues to show the remarks in the account as charged off and refuses to indicate that the account was paid in full. I asked them to contact the creditor and they do nothing. I want the remarks changed and since the account was closed many years ago to be removed from my credit report. The creditor can be contacted at XXXX / XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} XXXX XXXX {$500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

PAYMENT HISTORY ERRORS : This complaint is regarding my auto loan financing account with XXXX XXXX. For the last few years I have disputed this issue multiple times through each of the credit bureaus individually ( both via online/phone and by mail ), as well as once with the CFPB. Every time I have filed a dispute, the response from XXXX XXXX has been inadequate and nothing has been resolved or corrected on any of my credit reports. 

There are still major errors on my credit reports, to which have significantly and negatively impacted my credit status. None of the credit bureaus have been helpful in properly processing my disputes and have not obtained adequate response or solution from XXXX XXXX. My credit score is being penalized for having 6 late payments reflected on my XXXX XXXX account, which is completely inaccurate and false misleading information. 

XXXX XXXX reported to the credit bureaus that I made payments " 30-59 days late '' for the following billing months : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Enclosed is a copy of my Bank Checking Account Transaction History Report, which verifies that I did in fact made those monthly bill payments on time. None of the above listed months were paid late. All 6 of these months need to corrected and updated to reflect that I paid those payments " On Time ''.
Complaint sub-issue: Received bad information about your loan

I wrote a letter to nelnet on ( XX/XX/ ) trying to see how i was late on my student loans. I even asked for signatures as well as proof so i can verify this against my credit score. They stated that it was verified even though they did not send me anything that i can see that it was valid. These late payments are hurting my score and my credit worthiness. Please see attachments for the letter i sent, I sent it certified mail and here is their reply. The reply is not appropriate because they did not send me any documents that answer my questions.
Complaint sub-issue: Debt was result of identity theft

This fraudulent XXXX XXXX  account was removed from my credit in in XXXX, months after it was reported in XXXX of XXXX. As a result of identity theft, XXXX and XXXX XXXX ( third party collection agency at the time ) confirmed the account was fraudulent and deleted the account from my credit reports. 
In XXXX of XXXX XXXX sent this same account into collections again and IC SYSTEMS ( a current third party collection agency ) has reported this to my credit once again. Negatively impacting my scores with fraudulent information, XXXX and IC SYSTEMS continue to attempt to collect debt on this fraudulent account. This is against the law. If this is not resolved immediately I will be seeking legal remedies
Complaint sub-issue: Overdrafts and overdraft fees

My identity was stolen and is found weekly on the dark web. also, my identity was used to try and claim unemployment in multiple atates. also, my checkimg accounta were frauded and money was stolen with my debit and credit card numbers. my wallet with social security numbers and card, ID, and cell phone was stolen with my tax id numbers. synovis bank ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  dept of labor, and XXXX  dept of labor was frauded. also mail theft and email with my XXXX XXXX were hacked and compromised. my XXXX  email was hacked. i suspect XXXX XXXX and XXXX XXXX were reposible for this. please contct me woth any questions. 

sincerly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX or XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have Been Disputing the Collection account XXXX XXXX with Equifax since XX/XX/2022. I have requested the deletion of this account at least twice with Equifax because it is reporting inaccurate information and is in violation of the FCRA. When compared to XXXX credit report the information has inconsistencies. The PAST DUE amount is showing {$2900.00}. A collection agency should never report a PAST DUE Balance on a collection Account. It has been reporting this inaccurate information for over 3 years and has affected my credit score with a negative impact preventing me from getting Credit with other companies. This inaccurate info has been hindering my credit growth and has violated my consumer rights. It shows the Original amount is {$2900.00} and that is not correct. I never Received a letter from XXXX prior to them reporting this on my credit report.
Complaint sub-issue: Reporting company used your report improperly

I went with my boyfriend XX/XX/2019 to look at cars at XXXX XXXX in XXXX, Kentucky. I told the employee that I did not want my credit ran multiple times and he assured me that it would only be ran once. I get my yearly credit report and see that he ran my credit 5 times on transunion and once on equifax. I did NOT consent to this and it is incredibly against what I told the man. If I had known he would have ran my credit this many times I would have left and not even gotten that far.
Complaint sub-issue: Transaction was not authorized

i filed a dispute several months ago and i have not received any correspondence regarding the dispute of a debit card transaction dated XX/XX/2020 in the amount of {$29.00} from a vendor named XXXX  XXXX. The bank has not resolved this issue and unable to see any progress on the case when i call. Case number is XXXX
Complaint sub-issue: Account information incorrect

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. The payment history is incorrect. Late payments from the entire account history were all on time. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX have a serious complaint to post with the Consumer Financial Protection Bureau ( CFPB ). A debt collection agency known as XXXX XXXX XXXX has posted a collection against my personal credit reports, when all of the charges were posted with XXXX XXXX XXXX through a corporation known as XXXX XXXX XXXX. I have no ownership with this corporation, I am just the bookkeeper/secretary. However, there was never a personal responsibility agreement with XXXX XXXX XXXX from XXXX XXXX. The only agreement was with XXXX XXXX XXXX. In addition, my understanding was that several payments were made from a former client with multiple stolen credit cards. It took a great deal of time for these cards to be reversed from stolen identity theft. That is not a responsibility from XXXX XXXX, an individual with a bookkeeping position. XXXX XXXX XXXX has by posting a collection to a non-responsibility individual, working for a Massachusetts Corporation. They are in serious violation of my rights under the Fair Debt Collection Practices Act. By connecting this debt to me personally, they are essentially developing a phantom debt to me personally, whereas the stolen use of credit is a federal crime and should be filed with the Federal Bureau of Investigation. XXXX XXXX XXXX is in violation of their subscriber agreement with all three major credit bureaus, XXXX, Equifax and XXXX XXXX Respectively. Accordingly, I demand that this collection that shows an original balance of {$54000.00}, now shown as {$100000.00} be deleted immediately. This collection process is highly illegal and must be discarded, purged from all of my credit reports, and returned from XXXX XXXX XXXX to XXXX XXXX XXXX. This debt posting is causing severe damage to my overall creditworthiness. DELETE THIS ACCOUNT PERMANENTLY!!! 
XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, US BANK XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Complaint sub-issue: Other problem getting your report or credit score

I'm in the process of buying a house and when the lender company ran my credit it didn't show a specific credit bureau report ( EQUIFAX ). I contacted them but they seem to not have any of my information about me in their system even when I provide my social security number, nor my full name or my address. My credit does show up in other credit bureaus and I have had multiple credit lines for many years.
Complaint sub-issue: Received bad information about your loan

My complaint is multi-faceted. 
1. I am in the Public Service Loan Forgiveness Program. The count of months of payments provided by XXXX XXXX is quite different than my count. I have sent email messages to them requesting clarification and have never received responses. 
2. I recently changed jobs and my income based payment needed to be recertified. I provided the documents to them and was emailed a letter stating that I would receive a letter in the mail telling me what my new payment would be. I never received this letter. On XXXX I participated in a chat conversation with a representative from XXXX XXXX This rep told me that my repayment plan would be recertified in XXXX and I would start paying the new amount in XXXX. I received my bill today and the new amount is actually beginning in XXXX, not XXXX. I do not know what if any income based repayment plan I am now in. 
3. When you email XXXX XXXX, you receive a message stating that they have received your email but you do not receive a copy of your email. This makes it difficult to follow up and track correspondence. 
Thank you for your asssitance.
Complaint sub-issue: Information belongs to someone else

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

I have contacted XXXX, Equifax, and XXXX several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be removed.