Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Contacted employer after asked not to

These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.
Complaint sub-issue: Account information incorrect

During the early stages of the Covid pandemic, I experienced an income loss that temporarily prevented me from making an auto loan payment on my active loan with XXXX XXXX XXXX. Through the CARES ACT, I was granted a temporary forbearance, and I have since resumed payments and brought the loan current. However, despite that, XXXX XXXX has continued to report to the credit bureaus that my auto loan payment has been late since 2020, and continues to report the account late today! According to the CARES ACT, none of these delinquencies should have even reported to begin with. I have asked XXXX XXXX XXXX to correct my pay history on several occasions, but they never take any action to correct the matter.
Complaint sub-issue: Was not notified of investigation status or results

Back in XXXX, I sent Equifax a dispute letter via priority mail, they received my letter on XXXX, and since that time they never responded to me, according to the tracking number by USPS, Equifax received my dispute letter on XX/XX/2019, I mailed it to the same address that I have mailed to many times before, and Equifax has always responded, so I know it wasn't the wrong address. The address I mailed to, was XXXX. XXXX XXXX XXXX, GA XXXX, the tracking number that verifies they received it is listed below. 



Equifax tacking number for XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

On numerous occasions I have called Equifax because my address after several requests was never updated even though I have lived in my current address for over 2 years. I have submitted proof of identity 4 times already and every time i have called them either they do not have the documents or part of the documents. I have spoken to several supervisors and am met with inadequate servicing of my account and several times they claimed they could not even find my file. I also have tried for months to remove a fraud alert that i have never requested and to date they refuse to remove it. They are very disorganized and do not seem to know how to do their jobs, it is unacceptable the amount of time i have wasted on the phone and the many times i have had to send documentation and still months later the issue is not resolved and has hindered my ability to refinance my home. They are the absolute worst when it comes to servicing the needs of their customers and are clearly in violation of the FCRA.
Complaint sub-issue: Debt is not yours

I keep disputing a debt with the credit bureaus about a so called XXXX account. Enhanced Recovery Systems is the collection agency reporting this debt but have not provided written proof of the original contract. XXXX has ignored my requests to provide proof of the original contract as well as ERS. I have disputed this debt multiple years including 2021. Please ask them to provide proof of the original signed contract. I know my rights as a consumer and I know they have 30 days to provide proof of debt or delete it. They have not been in compliance. 

Enhanced Recovery Systems Account XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Threatened to sue you for very old debt

XXXX XXXX XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR ABSOLUTE RESOLUTIONS FOR THE AMOUNT OF XXXX ... XXXX XXXX XXXX-I SENT A LETTER ASKING TO VALIDATE THE DEBT ... XXXX XXXX XXXX, NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XXXX XXXX XXXX.... AS TO TODAY, XXXX XXXX XXXX, IT HAS BEEN MORE THAN 30 DAYS. I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XXXX XXXX XXXX. THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS. I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. I WANT NELSON & KENNARD NOT TO FILE SUIT. I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

Macys gift card for XXXX. They said I could apply to get the card re-issued. I did and they denied the reissue of the card, meaning I cant use it. They sent me the denial today XX/XX/2022.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX 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 an account without my written instructions 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 which it said by law, I have 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 to 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 XXXXAccount Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX 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 the address I put on the form area. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX Account ( XXXX XXXXXXXX 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 a account without my written instructions.
Complaint sub-issue: Account information incorrect

XXXX is the subject of this complaint : 1. XXXX  was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however XXXX  continues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my XXXX middle names. 4. There is an upper tier underscored c followed by a capital B in XXXX. 5. XXXX   is erroneously reporting Ally Financial as late. This car payment has never been late. 6. XXXX   is reporting an Ally Financial past due balance of {$20000.00}, when the payment is not past due. 7. XXXX and Ally Financial are over reporting the current loan balance of {$17000.00}. 8.  XXXX is reporting unauthorized hard credit inquiries from XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXl and XXXX XXXX XXXX XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. XXXX is improperly reporting XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer.
Complaint sub-issue: Account information incorrect

I recently Reviewed my credit history Through XXXXXXXX XXXX and received a 30 day review about a new account please make immediate changes to fraud new charges on my credit report.
Complaint sub-issue: Information belongs to someone else

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018 ; XX/XX/2018 ; and XX/XX/2018. It is now XX/XX/2018. I sent the PNC BANK, NA and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Complaint sub-issue: Information belongs to someone else

I've file a disputes last XXXX for those accounts that I found inaccurate and unknown on my credit report. But it's almost 60 days now they didn't give any response. I demand that those accounts will be DELETED immediately or I will file a litigation.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I sent the following information to EQUIFAX in an attempt to correct information on my report, they have failed to remove, update my report with an accurate status : My information has been accessed and has been used without my knowledge. The information listed below which appears on my credit report does not relate to any transaction ( s ) that I have made. I am requesting the following accounts and inquiries be blocked and removed immediately : Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX Inquiries : XXXX- XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX In addition, I was impacted by the Equifax breach. I was advised by legal counsel to notify the police department as well ( see enclosed police report ). There continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX/XXXX- XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX EMPLOYER  is XXXX XXXX since XXXX located at XXXX XXXX XXXX. XXXX, XXXX , GA XXXX My previous Employer was XXXX XXXX XXXX, please remove XXXX XXXX XXXX from my report.
Complaint sub-issue: Problem with fees charged

Carmax Auto Finance charged excessive fees for a loan that already had high interest. My car has been paid off for two years. They refuse to release my title. The robo call me from an unidentified number. I paid triple the amount my car was worth. Their fees are predatory.
Complaint sub-issue: Account information incorrect

I mailed letters to all three credit bureaus on XX/XX/2021 to file disputes on incorrect information on my reports. Ive attached a copy of my XXXX letter as an example. I informed them of the incorrect information on my credit and requested that the items be removed, however I havent received a response from the credit companies within a timely manner which goes against their own company policies, and my rights as a consumer.
Complaint sub-issue: Account status incorrect

There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was enrolled in a full-time graduate program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of enrollment as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact enrolled full-time from XX/XX/XXXX until XX/XX/XXXX. Before graduate school, I had never missed a payment.
Complaint sub-issue: Problem during payment process

I had tied automatic payment to a savings account and failed to timely transfer funds. When I discovered the issue on XX/XX/XXXX, I immediately transferred funds ( {$24000.00} ) from my checking account directly to Citibank that same day, as XXXX literally just confirmed to a manager at Citibank ( XXXX from Florida was all the information the Citibank manager was willing to provide ) with me on the line. Despite immediate receipt of funds, Citibank only removed the hold after I called twice to complain. 

Citibank number XXXX XXXX XXXX XXXX. XXXX checking number XXXX. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Hi i was taking at look at my credit report and i notice Fedloan servicing which is the company thats on my credit report was open back in XXXX and it has passed the which legal expiration date of 7 years ... i notice that they are re-aging the last activity which is a violation and causes damages to my report i will like for these outdated student loans to be removed ... i have requested this numerous times with the bureaus but no response ...
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2016, this account of {$1200.00} has been on my XXXX  and Equifax credit reports from XXXX XXXX XXXX XXXXXXXX XXXX. I have been disputing and asking validation for several years to both the creditor and both agencies. So finally this past XX/XX/XXXX XXXX deleted the collection account based on my disputing this incorrect negative information plus Hippaa laws but Equifax didn't remove claiming it been verified.
Complaint sub-issue: Was not notified of investigation status or results

On or about XX/XX/2021, I wrote a letter to XXXX, Equifax and XXXX, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at XXXX, Equifax and XXXX, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.
Complaint sub-issue: Can't close your account

I closed my account with best buy back in the spring of XX/XX/XXXX and paid what little I owed. I never heard from them until XX/XX/XXXX a statement that I owed them XXXX for late fees but there were no charges on my card. I called best buy and informed me I did not owe late charges and they could not tell me what the late charges were for since I cancelled the card in the spring of XX/XX/XXXX. I called the bank that manages the card Citibank I told them I canceled the card in the spring XX/XX/XXXX they said I closed the card in XX/XX/XXXX. I received another letter from Citibank about fraud I called them told them I cancelled the card around XX/XX/XXXX the young lady told me it was closed in XX/XX/XXXX. She did not help me much so I called Citibank again and talked with another lady. I asked her when did I close the credit card she told me it was XX/XX/XXXX. It is evident that neither Best Buy or Citibank knows what they are doing. I did not owe them the XXXX charge that I paid. I want to report this so it does not happen to some one else. I will never do business or my family with Citibank or Best Buy ever again!
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

On XXXX XXXX, XXXX, I spoke with a representative at Citi Bank about a payment plan. I am XXXX past due and can not afford that due to family obligations, bills, and a lawyer earlier in the year which was all stated in the recorded phone call. I stated REPEATEDLY that I did not have the funds in XXXX to make a payment. He came back and told me we could settle on an agreement of XXXX per month for 5 years at zero interest. I agreed, once again stating that I did not have the funds for XXXX and starting XXXX XXXX, XXXX and the XXXX of every month after, I could pay XXXX a month. On XXXX XXXX, XXXX I recieved a letter stating that this agreement was terminated due to no payment when I did n't have a chance to pay because it 's not XXXX XXXX. Once again, I stated repeatedly I could not pay in XXXX and that was not an issue to him at all. They made NO EFFORT TO CONTACT ME AND SENT MY ACCOUNT TO COLLECTIONS. I call them on XXXX XXXX, XXXX demanding I speak to the same guy I originally made this deal with or forward me to some type of XXXX or supervisor to deal with this. The lady on the phone refused to transfer me and lied to me saying she could n't access my account anymore. I was just on my account that morning so I knew she was lying to me. I go to log on again not even 3 hours later and I 've been blocked from my account, and have no access to see anything. The point of this complaint is that they did not follow through with their side of the agreement, when I told them multiple times I could NOT pay in XXXX and made NO EFFORT TO CONTACT ME. Please take the time to listen to the recording from XXXX XXXX, XXXX.
Complaint sub-issue: Old information reappears or never goes away

Previously deleted accounts continue to be furnished on new reports without new or accurate information. Should be permanently removed per FCRA requirements. 

Accounts closed and deleted as a result of COVID 19 Natural Disaster reappearing on report. 

Continue to report inaccurate account balance after statement was provided. 

Anything thats been disputed in last two years had made its rounds of reappearing with no new relevant info. Credit score has been a roller coaster.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to adequately protect my personal information. According to their website equifaxsecurity2017.com, I am listed as a potential victim of the Equifax information breach. I am not a customer of Equifax, but have had credit checks run on me through Equifax. In addition to failing to protect my information, Equifax failed to promptly inform me of the breach. Secondly, I should have been contacted by Equifax to inform me of the breach. Equifax should not assume that everyone follows the news. Finally, Equifax is now charging me to freeze or monitor my credit.
Complaint sub-issue: Debt was result of identity theft

I have been trying to get Hunter Warfield to remove a collection account for {$6000.00} since XX/XX/2019 that is not mine. Its from XXXX XXXX XXXX XXXX and its for a rental home lease that I never had nor authorized as Ive own my home/mortgage for over 25 years. Ive submitted identity theft report/FTC report and filed complaint with XXXX. Ive never leased a home nor authorized and all they sent was a payment statement and an online doc sign. I have A1 credit, my own home and this is causing hardship as it is inaccurately reporting. Ive sent multiple letters requesting docs/validation and also proof of identity theft report. I have NEVER entered into any contract with this company and want this deleted immediately, next step is retaining an attorney, they even contacted me via phone after receiving the first notice with a cease & desist regarding thus invalid debt.
Complaint sub-issue: Account information incorrect

I disputed an item that was falsely added by this creditor. On my credit file, they claimed I owed {$360.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, not a word from this company, they failed to provide me any viable evidence or documentation bearing my signature that I have a contract with them. See attachments of proof of my one-sided interaction with this company. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, still no response. This inaccurate information is still reflecting on my XXXX and XXXX credit report. Haven't gotten a phone call or a letter of any kind from this company acknowledging that they've received my complaint letters. This is illegal and unethical on their part. They're in violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) and the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Complaint sub-issue: Information belongs to someone else

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX  - no balance, credit limit is showing as {$3000.00}, account partially listed - XXXX, dates opened XX/XX/XXXX and last reported XX/XX/XXXX.
Complaint sub-issue: Inadequate help over the phone

I apply for a XXXX XXXX and they used Equifax to obtain a full credit report on me. My application had an incorrect social security number written down on the online application. ( I kept screen shots of my online application ) Equifax sent XXXX XXXX my credit report and placed a hard inquiry on my credit report. It took several months but the inquiry was removed by XXXX after great effort on my part. I would like to know what person information does a financial intuition needs to provide a credit report agency before the XXXX will send out a full credit report on an individual back to the requesting company? Can an inquiry be moved from the hard inquiry section to the soft section of a credit report for other reason than fraud?
Complaint sub-issue: Was not notified of investigation status or results

I have on multiple occasions disputed incorrect information as it pertains to XXXX XXXX to all 3 credit agencies. I have never been late on this account and they have not done proper investigations on this and are leaving the incorrect information on my report.
Complaint sub-issue: Reporting company used your report improperly

I have disputed and requested verification of a Bankruptcy reporting on my credit report reporting inaccurately against me. I contacted XXXX, Equifax and XXXX via mail and phone call. I was advised they verified the information with the courts. I have received a letter from the court that states that did NOT provide this information to the credit bureau so the credit bureau LIED about verification. I am aware that if the information was illegally obtained and not provided by the source they are stating the credit bureau is required to delete this information and they refuse to do so.