Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

An attorney at the XXXX XXXX XXXX here in XXXX FL said that you are 'wonderful ' and would help me with this problem. 
In XX/XX/XXXX, I settled all my bills completely, and moved to XXXX XXXX for 8 months. During this time, XXXX started sending me on-line bills for my now non-existent cell phone which had been closed. I had to get a lawyer to deal with them, and XXXX XXXX XXXX XXXX. of XXXX, PA.was able to stop the harassment. 
On XXXX XXXX, XXXX, a collection agency called ERC sent me a bill from XXXX for {$300.00}, stating that my balance with XXXX remained unpaid. 
I believe that this is a fraudulent claim and that XXXX and ERC are harassing me.
Complaint sub-issue: Debt was paid

I had an 18 yr old Discover card with a XXXX credit limit that a disreputable " law firm '' XXXX XXXX XXXX hounded me for payment of {$6700.00} and freezed my checking account for payment. We made arrangements to settle for app. XXXX and I paid them XXXX a month for 3 years and they sent me a letter of discharge. My bank account has been closed for years and water damage has ruined our records. The bank can not give us copies from 15 years ago. Now a new company says they are employed by Discover. It is XXXX and XXXX. They sent a very inconspicuous letter claiming I had never paid XXXX XXXX XXXX which is now out of business ( not surprisingly ) and I owed them XXXX! I immediately responded and refuted their information. Even though the statute of limitations are expired on this loan, they have started calling my house multiple times during the day. I do not owe and my next step will be to seek legal help to resolve this.
Complaint sub-issue: Personal information incorrect

To Whom it May Concern, Everytime I have contacted Equifax since the first recognition of my information being displayed incorrectly, back in XXXX of XXXX, I have nothing but come across continuous roadblocks. I was asked to fax : my birth certificate, my ID, SS #, phone #, address verification and a cover letter of why I am disputing information, when I initially called to report my birthday is reported incorrectly, I sent Equifax rhese items via fax as they requested. I haven't been able to answer the security questions correctly to have a telephone consult on why this hasn't been changed and I don't know what misinformation the security questions are recorded as. I have complied with this request 2 times since the initial fax to unlock my account, although they are not asking for me to fax my Birth Certificate to unlock my account they are requesting the other documents listed above. I will try and explain this scenerio as best I can, quickly and effectively and I hope that this time it will be taken seriously with accurate credit report results. 

Just for the record ... I will say that I was divorced in XXXX and filed a bankruptcy in XXXX. Beings as I had the bankruptcy I found no need to try and apply for any credit other than a simple minimual balance capped credit card with XXXX XXXX. Equifax is the only agency reporting my date of birth in errors, which I have attempted several times to change because they are the first credit report to be veiwed when applying for jobs and credit. Equifax reports that the the duration of this information is around 10 years. Overall, I beleive that this misinformation has hendered my ability to obtain a good paying job and also any credit as I would be 12 years older than I actually am. 

Aside the fact that I never claimed residency to the below addresses being reported and would also like these to be removed : XXXX XXXX XXXX XXXX, XXXX WA XXXX - XX/XX/XXXX ( co-signed for daughter ) XXXX  XXXX  XXXX XXXX WA XXXX - XX/XX/XXXX ( XXXX XXXX XXXX XXXX rented after we seperated ) XXXX XXXX XXXX XXXX XXXX, WA - XX/XX/XXXX ( XXXX rented a box there after we were seperated ) I recently requested an address be removed in an online dispute and the changes were made with out any questions asked. Yet they won't change the items that are important to be changed. 

Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hi there. 

I need documentation showing a time stamp for a transaction I made this morning, but Citibank customer service representatives refuse to provide it, and the timing information does n't appear next to the transaction when I pull it up online. I used my Citi card to pay for two hours at a parking meter - {$4.00} on Monday, XX/XX/XXXX. I got a parking ticket before those two hours expired and need documentation showing the time stamp of the transaction to prove to the city that I should n't have been ticketed. Please help. 

Thank you.
Complaint sub-issue: Debt is not yours

Last XX/XX/XXXX I went to XXXX to get a phone at the location Mall of Georgia XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. The store manager XXXX XXXX had the sales representative XXXX XXXX help me out selecting the best option. The agreement indicated I had up to 14 days to return the device without being penalize. On day 14 I went to the office to return the device ( XX/XX/XXXX ). On this day XX/XX/XXXX I spoke with the store manager XXXX XXXX. He indicated there was nothing rendered for me to do and that everything was taken care. However, when I asked for a proof or receipt for the returned device XXXX XXXX XXXX indicated I did not needed anything as he had already canceled all services and lease device in the system. Weeks went by and I begin to receive notices from XXXX indicating I owe the services and device I previously returned. I got in touch multiple times with the store I purchased/returned the device and was told to disregard that in their systems I was already canceled and so forth there was nothing else needed from me. Soon after that I received another notice so then I took action and went personally to another XXXX store located XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Telephone number ( XXXX ) XXXX and asked to speak with the store manager XXXX XXXX. However, the request was denied and another sales representative asked me to go to the other store where I initially got the cellphone. On XX/XX/XXXX I obtained a copy of the final statement from XXXX on which listed me responsible for {$1000.00}. Shortly after on Monday, XX/XX/XXXX at around XXXX I received a phone call from a collection agency named : XXXX XXXX with the reference number XXXX requesting a payment in full on behalf of XXXX for the same amount previously described {$1000.00}. I disputed the balance and notified them that I did not owe the stated balance. The representative proceed and threaten to report my account to the credit bureau on XX/XX/XXXX. On Friday, XX/XX/XXXX I received the notice in the mail from IC System Collection Agency. I also faxed the proof of refund to IC System to the fax number ( XXXX ) XXXX with the case # XXXX. The IC System representative also indicated that XXXX never charged anything to my bank account on which I dispute as I have multiple charges from XXXX - XX/XX/XXXX {$31.00}, XX/XX/XXXX {$31.00} and {$42.00}, XX/XX/XXXX {$63.00}, and $ XX/XX/XXXX {$63.00} see attached proof of payment. The representative proceed to tell me my account was on hold.
Complaint sub-issue: Information belongs to someone else

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$660.00} XXXX XXXX   XXXX {$1200.00}
Complaint sub-issue: Frequent or repeated calls

This collection agencies calls me throughout the day at my home and on my cell phone. I know that I owe XXXX XXXX and I am making every afford to pay them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT # XXXX, XXXX  XXXX  XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX 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
Complaint sub-issue: Account status

For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements in XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the City Marshall. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Acct # 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.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Some one use my information to apply fir credit card and fill for loan i need fill dispute and remove the inqurei
Complaint sub-issue: Information is missing that should be on the report

I am submitting this complaint about equifax credit reporting agency. Today after reviewing on XXXX XXXX it shows equifax removed 2 accounts that are in excellent standing from my credit report. The first one is XXXX XXXX the 2nd one is XXXX XXXX XXXX XXXX. These accounts should have never been removed from my credit report. I have contacted XXXX XXXX and XXXX 's card and requested they report to the 3 credit reporting agency 's I was told that they do report each month. Equifax should have never deleted these two accounts off my credit report. These accounts are a positive factor on my credit score. Now due to them removing these accounts my credit score went down. I am submitting this complaint about equifax because they should have never done this without my consent.
Complaint sub-issue: Debt was paid

This is the third collection company that is saying that I owe XXXX {$2500.00}. I left XXXX several years ago with a XXXX balance ; and transferred all of my numbers to a new phone company. 
Everyone knows that you can't transfer your numbers to a new phone company unless you have a XXXX   balance. 

I called XXXX about the situation and they said that they have no information about this so called debt.
Complaint sub-issue: Problem with fees

I called Home Depot to close my credit card. They did. They said they would remove a late fee, but never did. Around the same time, their late fee was also increased from {$29.00} to {$38.00}. I paid the balance on my card, but left the last payment short, per instruction from the agent who helped me close the account. I traveled for the past three months and return to find an additional {$120.00} in late fees and interest. Now I am back, and they call me 3-4 times a day to collect the accumulated late fees. At this point, they know that I will never shop there or use their card ever again, so they are just trying to milk as many late fees as possible. They using harassing methods to try and collect these fees. I refuse to pay Home Depot Credit Services, or to shop at Home Depot. It is strictly XXXX or XXXX  for me!
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting act XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A states I have the rights to privacy.

These names, numbers and addresses do not belong on my credit report. 

NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, AR XXXX NUMBERS XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have contacted us bank numerous times and they agreed to close my line of credit account and stated that the money was not owed. But now they have reported my debt to the credit agencies and they will not return my calls or emails. I have reached out to them to pay the rest of my credit card accounts but they wont call me back or email me back and I keep getting transferred to someone with a full voicemail box. Now they are charging me interest and late fees When Ive contacted them numerous times to make a payment. I also was told my late fees and interest fees would be waived which they havent been. Very upset by this process, clearly I am not a valued customer
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/2020, I filed a dispute with Equifax about the unverified account : XXXX XXXX   account # s XXXX. I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. I disputed the same account with XXXX credit bureau in XXXX and it was deemed unverified and XXXX removed it from my credit files in XXXX of 2020. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you
Complaint sub-issue: Public record information inaccurate

Hello. My background check from Checkr says I have a XXXX when this charge was reduced to a XXXX. Please review attached documents.
Complaint sub-issue: Debt was result of identity theft

Jefferson Capital LLC/ Third Party Affiliations In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy
Complaint sub-issue: Information belongs to someone else

I send a copy of the police report for Identity thief. The account in question is still be reported on credit report
Complaint sub-issue: Information belongs to someone else

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 the 3 Credit Bureaus was XX/XX/2022, 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 following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, Chapter XXXX Bankruptcy XXXX
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2021 major financial was removed off of my equifax credit report by equifax. This same thing happened with XXXX they have since put it back on. I have spoken to major financial they said they did not tell anyone to remove so it was done so without my or there authorization.
Complaint sub-issue: Account status incorrect

According to my credit report CHILD SUPPORT ENFORC has been reporting inaccurate information. I have paid on time every single month by them taking wage garnishments out of my check. However, on my credit report, it shows that I've been on time XXXX XXXX XXXX-XX/XX/XXXX. The somehow a collection in XX/XX/2020 then On time inXX/XX/XXXX. Then Collection from XX/XX/XXXXXX/XX/XXXX, then on Time again from XXXX. According to the The Fair Credit Reporting Act Law ( FCRA ) it is a federal law that requires credit reports to be accurate and fair.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items and authorized inquiries, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items and authorized inquiries that concern me : DEPT OF EDUCATIONXXXX XXXX Balance {$530.00} DEPT OF EDUCATIONXXXX XXXX Balance {$740.00} XXXX XXXX Inquired on XX/XX/ 2021 XXXX XXXXXXXX Inquired on XXXX XXXX, 2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 TXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 2021
Complaint sub-issue: Account status

HI I was released from my ex husbands business irs income tax and Minnesota taxes when I filled out innocent spouse forms. It was from my ex husbands business that my name was never on. This was never my debt. On the credit report it states either paid or released ... on your companys credit report I noticed there is nothing stated?? I would like the lien information completely deleted from my credit report. The other XXXX credit agencies, XXXX and XXXX have completely removed the lien information off my credit reports. I would like you to do that as well ; since IRS released me from this debt and it is not my debt. thank yhou
Complaint sub-issue: Information belongs to someone else

These accounts are not mine nor did I authorize these companies to run my credit. Please remove them.
Complaint sub-issue: Attempted to collect wrong amount

On XXXX XXXX I visited BestBuy store in XXXX XXXX and made purchase of two items total value {$68.00}. I used my Credit card to make the payment and the payment went through and was posted on my Credit card too. I didn't use my bestbuy credit card for that purchase. While reviewing the monthly statement of both card ( bestbuy as well as the card which I used to make the payment ), I see that in bestbuy credit card which is control by CITIBANK it should outstanding amount of {$68.00} whereas in my creditcard with which I made the payment, it shows the payment was made. 

Later in the month I started getting continuous call from CITIBANK managing the bestbuy card for the latefee plus the outstanding amount which I need to pay. I kept on telling them that this is the issue of double charge. This again started getting reported to all the 3 credit bureau and impacting badly on my credit score. I called the Bestbuy provided number every month starting deceber 2020, stayed on the call ~50 minutes telling multiple agent what happened but no resolution. One time they asked me to fax the statement copy which shows payment was made. I faxed the statement which reflect tht the payment of {$68.00} was made on the same day in store.

It has been 6 months now and there is no end to this. I stay on call for 50+min without any resolution. They keep on opening the dispute and later closing it without calling me and every month my credit score getting -ve impacted. I visited the store too in person but they say only CITIBANK Card team can help you not them.
Complaint sub-issue: Reporting company used your report improperly

The company, XXXX XXXX, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop! 

They have spammed my file over 20 times in one month.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting act XXXX the accounts below has violated my rights Account name : date : XX/XX/XXXX XXXX XXXX XXXX # XXXX {$490.00} Account name : date : XX/XX/XXXX XXXX  # XXXX {$11000.00} Account name : date : XX/XX/XXXX XXXX XXXX XXXX # XXXX {$0.00} XXXX date : XX/XX/XXXX # XXXX {$390.00} XXXX XXXX date : XX/XX/XXXX # XXXXXXXX XXXX XXXX XXXX date XX/XX/XXXX # XXXX {$570.00} ACCOUNT name : XXXX date : XX/XX/XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
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 XXXX 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 .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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Problem with personal statement of dispute

I would like to know : 1. several years ago the highest credit score was XXXX, now its XXXX 2. how is this possible?

3. who gives these credit companies the right to up the scores at will 4. This has created millions of people that are now in a lower bracket and as such, now must pay more for credit!

This is a violation of law under the Rico act, as these companies are aiding major corporations to increase profits and they are doing it for increased income for themselves.