Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the government and Office of Personnel Management ( OPM ) had a malicious cyber intrusion which resulted in XXXX employees information being breeched XX/XX/2015. I was an employee that was effected and OPM sent me email that is attached dated XXXX XXXX, 2015. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all three credit bureaus. They will not remove what has been requested and once again I can not get anywhere,
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


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

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Complaint sub-issue: Deposits and withdrawals

On XX/XX/21 I made an ATM deposit at my local bank that I have an account through. This was a personal check totaling {$3100.00}. On XX/XX/21 the check showed AVAILABLE in my account ( not pending ) then about an hour later the positive amount disappeared from my transaction history and was replaced with a XXXX charge. The bank originally said the funds would be available later in the day on XX/XX/21. When they weren't available the bank stated that the funds were on a hold and would be available on XX/XX/21. The bank could not or would not explain where the transaction of XXXX came from or why it is pending in the account. On XX/XX/21 the positive addition of XXXX showed up, but the XXXX is still showing and again the supervisor avoided answering why this charge was on my account. The only description for this charge is " Standard '' there is no debit card or check linked to this charge. Now the bank is saying the funds won't be available until tomorrow XX/XX/21. 
I want an answer as to why they took XXXX and where that money is. This has caused {$800.00} in overdrafts in my account due to the mysterious charge.
Complaint sub-issue: Information belongs to someone else

Ive disputed with Equifax three separate occasions over the past 90 days an unverifiable item that is on my report. They have not removed it, they have not responded and there is no creditor/collection company name on this account to contact. This is a violation of the FCRA.
Complaint sub-issue: Debt is not mine

I have been receiving multiple phones calls ( 3 to 5 times ) per day, for almost two weeks, from Citibank, in regards to a Home Depot account I do not have, and never have had. I spoke to a Citibank representative on XX/XX/2016, and was told I would no longer receive anymore calls from Citibank. I received another phone call on XX/XX/2016. I stated to the bank representative that I do not have a Home Depot account, and I want the phone calls to stop. I also made them aware that my phone number is register with the National Do Not Call Registry, and that this is my first and final request for them to stop calling my number. I do not have ANY debt in arrears, and have good credit.
Complaint sub-issue: Debt is not yours

This is not my debt and when I called to inquire about it they said it was a debt of XXXX XXXX and would give no explanation of why its in my credit. When I disputed it through XXXX they claimed it was a legitimate debt but it is not. It is not mine. I am not married or even related to that person. It needs to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$340.00}
Complaint sub-issue: Information belongs to someone else

Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX hi balance of XXXX   closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed onXX/XX/XXXXXXXX XXXX XXXX. this account went to collection. opened XX/XX/XXXX. not mine XXXX openedXX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX   opened XX/XX/XXXX balance XXXX is not my account XXXX XXXX XXXX   showing as a charge off. this is not my account Bankruptcy XX/XX/XXXX error. not mine
Complaint sub-issue: Was not notified of investigation status or results

This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and not provided me with copies of any documentation associated with these accounts bearing my signature, authorizing an hard inquiry. These unverified accounts affects my scores badly.
Complaint sub-issue: Account status incorrect

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I dealt with Cit 's customer service team. I disputed a charge by XXXX. I received a provisional credit, but the credit was reversed and added back to my account based on documentation provided by the merchant that didn't relate to my circumstance. I sent supplemental documentation to Citi  and Citi  closed my claim saying it wasn't legible. If I would have seen the message to re-provide the documentation, I would have done so, but Citi  sent the notification such that you can only see it when you log in from a desktop browser, rather than the mobile app. As a result, I didn't see the documentation prior to them closing my claim, and now they don't appear willing to help me at all, even though the merchant hasn't provided documentation showing it was a valid charge.
Complaint sub-issue: Problem with fees

Citibank failed to verify checking account information accuracy at the time of linking to credit card payment, but charges payment returned fee and interest when auto payment failed due to error in account information. Customer service representatives giving conflicting information about reversing the fees and interest charged to the account after payment made. Predatory practice and abusing customers should be stopped at citi.
Complaint sub-issue: Funds not received from closed account

In mid-XXXX I filed three disputes with Citibank regarding three transactions totaling approximately XXXX XXXX The day before I was supposed to get a provisional credit attached to my account I was notified that the bank had decided to close my accounts. Since then they have told me next to nothing about what is going on, except to say that my accounts are blocked pending review and telling me that I would be unable to retrieve the funds from my account - that rightfully belong to me - until the dispute process was complete, some 30 to 60 days from then. It has since been well over 45 days and I am still getting stonewalled by Citibank. All I want to be able to do is to go into a branch and pick up my money. One of the disputes I have already been informed has been resolved in my favor while the other two are, I suppose, still pending. I wouldn't know because they refuse to tell me anything about them. I tried going into a branch and the banker there told me he couldnt help me because the accounts are blocked. I keep getting the run around from Citibank and all I want is the money that is rightfully mine.
Complaint sub-issue: Unexpected increase in interest rate

I have tried to contact Sears office, and they ignore me and put me on hold, then the phone hung up. I have a Sears Citibank Credit Card, and I made a purchase on a Promotional balance putting over {$2000.00} on my credit card in XX/XX/XXXX ; however, I requested a refund back on my credit card for the entire purchase from the merchant in the same month the purchase was made. The merchant refunded all of the money back to my credit card. I called Sears Credit Card and spoke with a man and he told me since the purchase was refunded, I should not incur interest charged because I was refunded the credit. He also stated that the promotional balance was only for purchases made, and mine was refunded. Now, in XX/XX/XXXX, I am unlawfully being charged " INTEREST CHARGE ON PURCHASES {$800.00} '' for purchase that was returned and refunded back to me in XX/XX/XXXX. This is unlawful and unfair of this merchant to do this. I even sent a secure message to them and they have ignored. I should be refunded the full amount of the interest for the Purchase that was returned in the same month it was purchased in XX/XX/XXXX. 

See Statements Attached.
Complaint sub-issue: Information belongs to someone else

I have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from XXXX XXXX stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and XXXX XXXX is still reported that I had a balance on my loan two months after my loan was paid in full and XXXX XXXX sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my XXXX XXXX loan that the balance was still owing but that I was now 60 days late for both XX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan in XX/XX/XXXX. and XX/XX/XXXX. These reports are incorrect but XXXX XXXX refuses to update their records and the 3 credit bureau 's are not updating their records either.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Account with CITIBANK XXXX was referred to XXXX XXXX XXXX XXXX XXXX in 2016. Please check with this company.Thank You.
Complaint sub-issue: Threatened or suggested your credit would be damaged

PDQ Services , Inc, have repeatedly tried to collect on an invalid bill for dental services, a cleaning, provided by XXXX XXXX XXXX on XX/XX/XXXX. Upon receiving a collection notice from PDQ, dated XX/XX/XXXX, I responded via mail to PDQ on XX/XX/XXXX, notifying them the claim was invalid and was in fact rejected by the insurance company because it was a duplicate already processed. I sent a copy of the EOB confirming the claim had already been paid by insurance and confirming that the billing in question was a duplicate and invalid claim. 

PDQ refused to correct the error and mailed me a second, threatening collection letter, dated XX/XX/XXXX, to which I responded again in writing on XX/XX/XXXX and provided another copy of the EOB confirming it was an invalid and duplicate bill. I followed that letter with a phone call to PDQ, during which they acknowledged receiving my correspondence and apologized for the error. 

On Sunday XX/XX/XXXX, I was notified by XXXX card services that PDQ had entered a derogatory claim on my credit record for failing to pay the invalid invoice referenced above. As a result my credit score has dropped and so far, one creditor has reduced my availability already, as a result of the fraudulent, derogatory information added to my credit record. 

Id like to pursue all options under the law to hold this abusive collection agency accountable for their illegal actions.
Complaint sub-issue: Their investigation did not fix an error on your report

this account is reporting late and paid it was never late account XXXX XXXX account number XXXX
Complaint sub-issue: Company closed your account

On or around XX/XX/2022, my debt card was being denied. I called my bank to find that my bank had my account under review for closure and our funds were frozen ... We were never notified by the bank in anyway. 
Not knowing our funds were frozen, we previously submitted checks to pay bills a few days before I called the bank. As a result, we were charged return check fees on all of our checks by the merchant. 
We were not notified and had no knowledge that our payments would not be honored.. We should not be responsible for the returned check fees and US Bank should pay them. The bank told me " they do not pay merchant fees ''. 
Also. because of our " late '' payments, our excellent credit score is now deteriorated through no fault of our own.I called to inquire why our account was being closed, I was not given an answer... only saying 'it was under review '' We did not have a negative balance.
Complaint sub-issue: Debt is not yours

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been XXXX  and deceived by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to XXXX XXXX XXXX XXXX XXXX . They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Complaint sub-issue: Problem with additional products or services purchased with the loan

XXXX I submitted a complaint to this company about their deceptive business practices they give you an extended warranty with a company that you can not get through too the dealership I took my car too, stated they have never heard of such warranty company you could never get through to and things on the brochure they don't honor them after three days I finally got a representative on the phone which sounded incompetent and didn't know his job I decided to go ahead and pay for the repairs, I was out town stranded long enough I submitted information to them, McMc Auto was very heartless and unprofessional didn't care that I had to cover for may stay sent in proof of expenses which was never reviewed the dealership information is incorrect on their response back to CFPB a member of management never contacted me after several requests this company operation is deceptive and predatory.They need to be investigated their account managers are unskilled and lack knowledge.no respect or common sense used for their customers, no structure Predatory Lending.Also they tell you your loan will be transferred to another lender which is a lie they are fraudulent.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .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 year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently had a derogatory remark added by a rogue debt collector called XXXX XXXX on my credit report. After attempting to notify and collect information on the debt, XXXX XXXX failed to provide information that would validate that I owed any debt and I asked them to provide further information if they had it, which they did not because I did not hear from them again. 

Weeks later, I see a hit on my EQUIFAX credit report showing a debt outstanding with XXXX XXXX and immediately disputed it. After a few days, EQUIFAX responded that the debt is valid and not being removed from my credit report. 

I then spent the next eight days attempting to contact EQUIFAX about this and ask them to provide any correspondence or evidence that was provided to EQUIFAX by XXXX XXXX, since EQUIFAX claimed the debt is mine, so surely they received information to prove this. 

After days on the phone with customer service and emails sent to XXXX, along with their CEO XXXX XXXX, several VPs and Customer Service Manager XXXX XXXX, I was ignored and promised I would be contacted from someone at EQUIFAX but was not. 

I have also filed CFPB complaint against XXXX XXXX and the original company that XXXX XXXX supposedly purchased the debt from. 

This false, derogatory, and incorrect information needs to be immediately removed from my credit report
Complaint sub-issue: Trouble with how payments are handled

Once again, Fed Loan Servicing is failing to follow directions. I submitted a " do not pay ahead '' notice and received acknowledgment as I requested via email : RE : Payments [ XXXX ] XXXX XXXX, XXXX at XXXX XXXX From XXXXXXXXXXXX According to our records an email response was sent on XXXX XXXX, XXXX regarding removing Paid Ahead status from your account. On XXXX XXXX, XXXX your Standing Instructions were also approved. If additional assistance is needed, you may reply to this email or contact our customer service department. For your convenience, our contact information has been provided below. We recommend that you use the " Contact Us '' links on our website, MyFedLoan.org, to submit inquiries via a secure email form. Please use your email address on file when completing this form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX XXXX XXXX XXXX. 
Sincerely, XXXX FedLoan Servicing Today I received the following letter, dated XXXX XXXX, XXXX : " You previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month. Your next payment is due on XXXX/XXXX/XXXX for {$100.00} '' Their incompetence is exceeded only by their devious business practices. I told them to continue taking {$150.00} each month as directed because the extra money I sent was to pay down the loan. I made this abundantly clear to them when speaking to a customer service person who directed me to send a check with that request on it, which they promptly disregarded. I then filed the notice and received acknowledgment of receipt of it. The fact that they continue to ignore my legal instructions is infuriating. I need your help in bringing them to justice. Thank you. Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am attaching personal information, XXXX account and inquiries that are fraudulently reported on my credit report. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX