Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to sue you for very old debt

On wed XX/XX/19 I received a call from a person named XXXX XXXX saying she was the director of operations for for the offices of civil disputes. she stated her affiliated attorney had been trying to reach me ( no contact ever with any attorneys ) and she said i had not responded in the compliance period. she then said her fellow mediation division has been retained has not been able to communicate with me regarding case # XXXX and the rest is basically I better call right away. 
I called and they would not answer any questions or say who the firm was, i finally got out of her that I had a debt and they were going to take me to court to retrieve it. I quickly checked my credit reports and found no such debt. Today I got a call from a local number that when dialed went to this firm who I tricked the person answering into giving me the name. ( XXXX & Weber or Grant and Weber ) ( they are using spoofing phone numbers to trick people, the first call came from Delaware ) when I asked for this XXXX, a man picked up this time and was very rude and made fun of my name numerous times with changing his tone of voice in way to make himself sound effeminate when saying it. He said I had a dept from 7 years ago and they were filing in XXXX county to sue me unless I paid. when i told him over and over I do not have a debt he threatened me with filing a 1099c with the IRS so they audit me for 5 years! 
I know in Florida even if I had such a debt the statute of Limitations is FIVE years so this is in my opinion is bogus and just bad practice in harassing me. attached is a screenshot of the Voicemail she left, i still have the original vm audio too
Complaint sub-issue: Account information incorrect

I sent letters to all 2 credit bureaus telling them their was fraudulent accounts on my credit report I did n't know how they was there they did n't belong to me ..I also told them accounts was reporting wrong and inaccurate information such as open dates, wrong payment amounts and etc ..The 3 bureaus did nothing about it but sent me back a updated copy of my credit profile without investigation..I have pics to show the inaccurate information my Same accounts on credit reposts have different balances, open dates and etc .According to the FCRA all information should be truthful and correct and these bureaus are breaking the law destroying consumers report and nothing is being done about this ...
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Was not notified of investigation status or results

To who it may concern, I had to ask for the CFPBs assistance for I am worried that my letter is being ignored since I have not received any response from your company. I was requesting for some negative items to be verified and be deleted but from XX/XX/2021 until this date, it's been over a month but I never received any letter or notification from your company.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a new checking and savings account with Citi Bank online on XX/XX/20. They were offering a promotion whereby if I deposit {$50000.00} and leave it in the account for 60 days, they will deposit a bonus of {$700.00} in my account. I transferred {$50000.00} into the account and was notified via email that the funds were received on XX/XX/20. I noticed my account was locked ( I couldn't sign in ) on XX/XX/20, and on XX/XX/20 I was informed via a phone call with a Citi representative that my account was being closed. I was also informed that the only way to retrieve the funds was to wait upwards of 60 days to receive a check in the mail. The representative informed me that there was no other way to retrieve the funds and that I must wait. She also notified me that the reason for closure was due to negative history with Citi.
Complaint sub-issue: Debt was paid

I have settled all my debts with XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4000.00}, {$2200.00}, {$2300.00}, {$5200.00}, {$2900.00}, {$4400.00}, {$0.00}, {$2700.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 


-- CLOSED ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 9. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Complaint sub-issue: Talked to a third party about my debt

This debt collector keeps on trying to call my father even though they have my number
Complaint sub-issue: Threatened arrest/jail if do not pay

This company called me and left a voice mail on my phone, stating they were going to send XXXX uniformed police officers to my place of work, and said they contacted my place of employment and my place of employment stated to send to them to my house, I contacted my work and no calls had come in When I called the company they said I needed to give them my debit card number, I did not give it to them, They told me they were going to take legal action on me and I asked what my balance is they stated it was XXXX. My credit limit on my card is only XXXX,. I called my credit card company was was told it was only XXXX. I have already been to the police department here and was advised NOT to give them any info and to tell them that I had already contacted the police depart and that what they are doing is illegal and further action will be taken against them, This company was very rude to me and said if i do n't give them any money and dont give them my debit card number they will take me to court and garnish my wages, This has stressed me out to the point I could not breath and now I am scared for me and my family, This company needs to be stopped!!
Complaint sub-issue: Account information incorrect

Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the two 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have w now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus XXXX, XXXX and Equifax, although Equifax is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

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

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

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

15 U.S.C 1681 section 602 A. States I have the right to my 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX # XXXX, # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} EQUIFAX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$6400.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} XXXX : XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened 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 consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted a complaint of in accurate late payment from Lendusa. They had 1 late payment listed for XX/XX/2019. Now all of a sudden I have 3 late payments from XXXX, XXXX and XX/XX/2019. This is causing a affect on my report in the midst of purchasing a home. I have never been late and had agreement for a deferral. I have contract and email. How can they all of a sudden report 3 late payments a year later this dont make any ethical sense
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax for more than 90 days filing an inquiry ( s ) dispute clearly stating that the inquiries are " unathorized. '' not mine. The inquiry ( s ) by these creditors are inviolation of Permisdible Purpose vs ... a Hard Inquiry review of my credit report. I did not authorize any of these creditors to review my credit reports for credit Approval. Equifax has intentionally ignored my repeated dispute requestes by mail, and online. Equifax is simply mailing a standard form stating Eqyifax had received my dispute and has been reviewed- a review is not a dispute veriying the accuravcy of a disputed item reported on my credit report. Equifax simply sends a letter out stating contact the creditor. I have done so three times, and called and have been told by the creditor that they can not locate my information. Equifax has a duty to inveztigate any disputed item. Failure to remove the disputed items Equifax file file number XXXX dated XX/XX/XXXX constitutes vilations of FCRA Section 604 permissible Purpose reviews when checking credit history without consumer consent, but rather the pull being a Hard Inquiry, when it should have been a Permusdible Inquiry not seen by creditors. A 42 USC 1983 Civil Action will be filed for Non-Compliance for failing to remove the inquiries.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

someone by the name CREDO pulled my credit report without my consent
Complaint sub-issue: Account information incorrect

I was declined for a credit card from Costco, and subsequently found out that Best Buy CBNA reported negative information to the credit bureaus regarding an account that was closed in XX/XX/2016. This account was closed with a XXXX  balance and somehow, they are just now reporting it to the bureaus with a balance and as charged off account. I disputed it with the XXXX  and XXXX  and Best Buy CBNA quickly ( too quickly ) advised both those agencies that they confirmed their information was accurate without further explanation. I also sent Best Buy CBNA a separate letter disputing the information and requesting proof of this bogus debt and have not received a response as of yet.
Complaint sub-issue: Account information incorrect

Account was only past due one time over 90 days. Not 40 times. Equifax is not reporting the account properly.
Complaint sub-issue: Card was charged for something you did not purchase with the card

From XX/XX/XXXX to XX/XX/XXXX, I discover several fraud charges that was not made by me totaling to about {$1200.00} when I log into my sear account. 
Here are all of the charges : -- XXXX XXXX : XXXX XXXX XXXX  {$190.00} -- XXXX XXXX XXXX XXXX XXXX XXXX  $ {$28.00} -- XXXX XXXX : XXXX XXXX  {$94.00} -- XXXX XXXX : XXXX XXXX {$230.00} -- XXXX XXXX : XXXX XXXX XXXX   XXXX  XXXX {$47.00} -- XXXX XXXX : XXXX MI XXXX {$54.00} -- XXXX XXXX XXXX XXXX XXXX XXXX  {$40.00} -- XXXX 1 : XXXX XXXX  XXXX XXXX  XXXX  {$64.00} -- XXXX XXXX : XXXX XXXX XXXX  {$79.00} -- XXXX XXXX : XXXX XXXX   XXXX {$55.00} -- XXXX XXXX : XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX : XXXX XXXX {$100.00} -- XXXX XXXX : XXXX XXXX XXXX XXXX XXXX {$99.00} -- XXXX XXXX : XXXX XXXX   XXXX {$94.00} I have filed a police report and talk to the customer service and they agree to remove these charges. However, in XXXX, I saw these charges on my account again  and received a letter saying my claim was deny because of I somehow benefit from these transactions? I then call the investigator of the case and he claim he cant remove the charge because I have to be physically at these locations to make these fraud transactions which doesnt make any sense since I never make any transactions at any of these location before. I refuse to admit to any of these charges that I never made and willing to go to a full-blown investigation if I must.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX or XXXX XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX at XXXX MST, I called Equifax due to a discrepancy on my account for my name. I had a legal name change in 2019 from XXXX XXXX XXXX to XXXX XXXX XXXX. I am in the process of buying a house and need to have my credit accounts straight. They gave me a fax number and I had faxed Equifax by XXXX with my drivers license and social security number that morning. The representative told me that the documents would be received in 3-5 business days and that it would be processed in up to 5 days. 

I followed up with a call on XX/XX/XXXX at XXXX MST. The representative said that no documents were received. I called again on XX/XX/XXXX at XXXX MST. This time the representative made me use an application were I used my drivers license ( with my current name XXXX XXXX XXXX XXXX and take a picture of myself. He said that he could not verify my ID and could not tell me why. I ended the call. 

On XX/XX/XXXX at XXXX MST I called again. The representative said that they discontinued fax services. The fastest way for me to submit a change was through mail. 

Around XX/XX/XXXX, I mailed the documents to the address listed on their website. My lending agent informed me that we would not need the Equifax credit score for my report. 

However, when my lending agent pulled my score around XX/XX/XXXX, it populated on XXXX ( the credit reporting system ) as " Fraud Reported by Consumer. '' I called Equifax customer service again on XX/XX/XXXX at XXXX MST. The representative informed me that there was no fraud reported and that they could review under my previous name. My lending agent was not able to. They also informed me that they had not received my documents. 

On XX/XX/XXXX at XXXX, I gave Equifax customer service a call. At around XXXX, I also digitally uploaded the files and created a dispute. I received a call back at XXXX and asked to speak with a manager. The representative put me on hold. About 10 minutes later, I was hung up on with no resolution to my problem.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I was placed on review from my job, because of how items were reporting on my credit report, I reached out to the 3 credit bureaus. XXXX, Equifax and XXXX to inform them about them about the lack of accuracy, completeness and verifiable nature on my credit report. In XXXX they told me to send a copy of my social, proof of address and identification, I did as they request and nothing was done. I made complaints and they stated everything was verified, because of their lack of corporation I was fired today from my place of employment, last month XX/XX/2022, I was placed on leave without pay because this was not rectified. My credit score has dropped from XXXX across all 3 bureaus to the XXXX 's. I have fallen behind on bills and is having a hard time paying my mortgage. The FCRA states that the 3 bureaus are suppose to report Accurate information I have proof to show that they are not reporting accurate, I have multiple spellings of my name and 3 different address, I have account that are different on all 3 bureaus. I accounts showing with account numbers that are not mine different remarks and balances. Also when I ask about how they verified the information, I never get an answer. The leave of absence was already a burden not the loss of employment before the XXXX holidays have effected my family tremendously. I have migraines, thinking about where my next meal might come from, if I'm going to lose my house, my wife has threaten to leave me and I have to clue how to explain the difficulties of not having a XXXX to my XXXX year old. I also attached the green return receipt from the correspondence I mailed to the bureaus also a copy of the proof of ID, proof of address and SS card all marked out.