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

I 've spent XXXX of dollars trying to repair my credit from identity theft and fraud that have happened in the past. I sent several documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information, I 've had cars purchased in my name, XXXX bankruptcy cases filed, phone accounts from XXXX and XXXX. I have a judgement that I have no knowledge of, I sent a XXXX XXXX-search from the secretary of State of Illinois and no debts were on file from any corporation. The reporting agencies are not following lawful procedure. I advised the reporting agencies that XXXX student loan accounts were past the statue of limitations 84 Stat Public Law 91-508 Section 605. The student loan accounts on the report that says paying as agreed and also report 120 days past due with a {$0.00} balance for each account. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. Do you have PROOF of your claim : a contract wet signed, dated, by both parties, with a clear offer, acceptance and lawful consideration? Do you have PROOF of authority : evidence which shows I have given my consent for you to proceed against me and for me to be dictated to by you? May I remind you slavery has been outlawed since the XXXX no free peoples can make demands upon another free peoples, unless one of the free peoples has given that consent to another and PROOF of that consent can be provided in the form of a lawfully binding contract. If you take action from this moment on you MUST be CERTAIN you can answer yes to the above two questions. You will be required to in court. These are the questions asked in documents sent out to the credit agencies and the alleged creditors. I am the creditor and not the debtor for the record. I have full faith and credit according to the Department of State and the Executive Office State of Illinois. They are ignoring the facts and the law.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank is reporting a dispute on my credit report that should not be present. I have asked Citibank to delete the dispute comment and I have asked all credit reporting agencies to remove the dispute. I have asked Citibank to remove the dispute comments. Neither entity will update my credit report comments. Please remove the dispute comments, I am not disputing the account.
Complaint sub-issue: Personal information incorrect

I have called advising that my name does not have a suffix at the end and I have open a dispute advising as well and still Equifax continues to report my name as XXXX XXXX XXXX XXXX in addition they have my birthday wrong. Since Equifax has locked me out of my credit account and I cant even file a dispute to correct this. I have to use this forum. So please look at the attached state issued drivers license and make the corrections. 

1. XXXX XXXX XXXX 2. DOB XX/XX/1976
Complaint sub-issue: Their investigation did not fix an error on your report

I have an  XXXX  credit card with  XXXX    XXXX   and in  XXXX  my credit limit was increased from {$300.00} to {$1000.00} and the credit limit increase has not been reflected correctly with  XXXX  or Equifax fast the past few months. I have called  XXXX   XXXX  for the past 2 months and they told me it was reported correctly but the latest update to the credit bureaus on  XXXX   XXXX ,   XXXX   still reflects a credit limit of {$300.00}. I have sent online disputes as well as a dispute vi a US m ail to both credit bureaus and the response from both credit bureaus indicates the credit limit they are reflecting is what  XXXX    XXXX    submitted which is {$300.00}. I am getting conflicting information from  XXXX   XXXX . I am just simply asking that my credit limit be recorded and reflected correctly which is a credit limit of {$1000.00}.
Complaint sub-issue: Debt is not yours

In XX/XX/2017, I switched phone companies from XXXX to XXXX. XXXX has a switcher or buyback program where they will buy you out the phone up to a certain amount. I spoke with a representative from XXXX at XXXX XXXX as to how long it will take to pay the whole bill off before it reflects on my credit and she told me 6 months. When I was doing the switch for my wife & I, we have to give XXXX both phones, which we did, in order for the switcher program to proceed. They sent one box to my house and as instructed by XXXX ( a worker at the XXXX store ), I put both phones in the box then a week later a second box was received. Up to this day, I've been still trying to resolve receiving credit for the second phone that was traded in and because of that, XXXX has still not paid for the second phone from XXXX. XXXX, in 2 months, sent the bill to a debt collector where I tried to dispute it and they were rude and told me it would affect my credit badly if i didn't pay it and when I do pay it, it would come off my credit ( which i found not to be true anyways ).
Complaint sub-issue: Their investigation did not fix an error on your report

There has been XXXX separate attempts to remedy this issue with Equifax which have all gone unresolved. This is now the XXXX letter that I am submitting to the companies legal department as a demand to comply. They know that the items listed are inaccurate as each time they remove XXXX or XXXX of the items instead of removing them all. See attached letter dated XX/XX/2022 and letter dated XX/XX/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

Non Account holding Inquiries on my credit report which I did not authorized. I sent a letter to Equifax explaining how I did not authorized the credit inquiries yet they still continue to report them on my credit report. Here 's the inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Public record

In XX/XX/XXXX I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in XX/XX/XXXX was NOT confirmed. I was told by Equifax that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of filling. Also, the plan was never executed and was dismissed/discharged in XX/XX/XXXX as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XXXX of XX/XX/XXXX. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court and should not be on my credit reports in XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Information belongs to someone else

I did never open this student loan I have not attended school since High School so please remove this account from my credit report thank you. This is Fraud
Complaint sub-issue: Confusing or misleading advertising about the credit card

Id like to draw public attention to the underhand banking practice by Citibank regarding their Citi Flex Loan Offer. For the past 6 years I have been with this bank as a credit card holder, currently carrying a line of credit for XXXX. I use this card for everyday purchases which is paid in full when due ( sometimes earlier ). They kept bombarding me with a Citi Flex loan offer where they would convert a portion of the line of credit at a fixed APR with a fixed monthly payment. A family member had $ XXXX XXXX  XXXX 14.99 % so on XX/XX/XXXX I accepted this offer for $ XXXX 8.99 % to help her since she lost her job during the pandemic. 

Based on follow-up phone calls, I understood that the remaining line of credit ( XXXX ) was available for use in the usual manner but at prevailing APR ( 19.99 % ) on unpaid balances that exist after due date. That was a non- issue since my balance is always paid in full. 

Everything seemed to be flowing well until my XX/XX/XXXX statement revealed more interest accrual than expected and upon closer examination I discovered that Citi was applying my payments for everyday purchases to my flex loan with the lower APR of 8.99 % advancing this loan to pay-off at lightening speed. Essentially, they created an opportunity to charge me interest at 19.99 % which is a direct contradiction to their terms and agreement as highlighted below : " We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on. As a result, if the APR for a Citi Flex Plan balance is higher than the APR of other balances on your Account, we will apply the amount above the Minimum Payment Due first to that Citi Flex Plan balance, and then, after that Citi Flex Plan balance has been paid in full, to the other balances. This will cause you to pay off that Citi Flex Plan balance before the end of its repayment period and may result in an amount remaining due on your next billing statement for the other balance, increasing your Adjusted New Balance on your next billing statement. '' I called them out on this egregious practice and interest on standard purchase of {$47.00} for that billing cycle was reversed ; however, the account still shows a balance for standard purchases so this continues to accrue at 19.99 %, much to their advantage. To date Im charged almost {$100.00} more in interest than I agreed to. I have called at least 6 times, also mailed and faxed letter asking them to fix this ( mailed on XX/XX/XXXX and subsequently faxed on XX/XX/XXXX ) ; to no avail not even the courtesy of a response. This is criminal behavior and must be exposed.
Complaint sub-issue: Overcharged for something you did purchase with the card

I purchased a XXXX and XXXX from XXXX XXXX XXXX XXXX on XXXX XXXX and was told they would honor a pricematch and charge it to my BB credit card. The XXXX XXXX XXXX Bundle was being sold on XXXX for XXXX and when I received my bill I realized they charged me XXXX. This larger amount has caused a financial burden for my family as we had not planned to spean the extra {$150.00}. When I contacted the store they advised I wouldn't be able to return the system because I had already claimed the game that came with the system not knowing they ripped me off. It was a very shady process as I didn't even get to see the price and did not notice it until I received my first bill and was itemizing my monthly expenses. I would like the company to allow me to return the system for a full refund or honor the pricematch. I have consulted with an attorney at this time who advised filing a CFPB before retaining his services.
Complaint sub-issue: Debt was paid

Back on XX/XX/XXXX I submitted a complaint with the CFPB in regards to a company by the name of Veros Credit and included in that complaint was a law firm by the name of XXXX XXXX XXXX, XXXX. and the attorney in question is XXXX XXXX ( bar # XXXX ). XXXX XXXX has fraudulently attached not one but three liens on a property that I have never owned or have ever been the owner of. The house belongs to my father and was purchased solely by him in XXXX. In reference to said complaint I then received a satisfaction of final judgement in the mail from the law offices of XXXX XXXX XXXX, XXXX Keep in mind that at that time there was only one lien on record, but as of XXXX there are three. Not only should the lien not have ever been placed on a property that is not mines and does not nor has it ever belonged to me, but it should've been removed back in XXXX. He needs to be held accountable for his fraudulent actions so I will be proceeding with this matter legally in court and I will also be filing a complaint with the Florida Bar in regards to this matter. 

I've attached photo proof showing who rightfully owns the property and I've also attached photo proof showing the three liens on the property with XXXX XXXX as the creditor.
Complaint sub-issue: Debt is not yours

I received a missed call from XXXX at XXXX on XX/XX/2019. I returned the call 10 minutes later. A robot answered and asked if I was ******* *********, press " 1 '' for yes. I pressed " 1 '' for yes. Then I was transferred and a gentleman answered the phone, said this was MSR Associates and asked me why I called. I said I just missed a call from this number. He asked me if the call that I missed asked me for me by name. I told him it didn't but when I called back it asked me to confirm my name was ******* **********. He said great now can you tell me your address to verify your identity. I said no, I do not know who you guys even are, who are you? He said that is was okay to not verify but that we can no longer proceed and then he hung up. 

I then researched the company and found out it was a collection agency. They did not tell me that during the phone call. I researched further and went into my credit reports and found nothing in my credit reports. I checked XXXX and XXXX. That leads me to believe that they are attempting to collect money I do not owe.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

TODAYS DATEXXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXXXX/XX/XXXXDispute Department XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

I have been trying too close a savings account with Citi bank but have not been able too get them too. I have screen shots of them saying they have done this request but it was never completed. In XXXX I had a notice that a deposit was made in my account that I did not make! I called them and advised that I didnt do this or authorize anything. They advised me they sent the deposit back and froze my account with all of my funds in it stating they would send a check. I never received a letter stating this had happened or any correspondence. I am on social security XXXX my checks are put into my Citi account. I requested my account too be updated too a new account however the funds have been put into my frozen account at Citi. This is all the income I have and I have tried several times too get through too Citi I get hung up on and placed on hold then hung up on or told they will call back! I have no access online yet get statements I can access due to frozen status. How long can they hold deposits from the government for? How do I get them to release the funds and close that account? I have tried everything except for going to a physical location with would be several hours from my home. I no longer can live like this what harm this has caused, after looking this bank up online its just theft! The amount of complaints just about the same as mine is criminal and this must be taken seriously. Thank you for your response ahead of time
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 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 im XXXX now.with no help.
Complaint sub-issue: Not disclosed as an attempt to collect

I received a letter from IC System back in XXXX XXXX, 2015 stating that I have a balance due from XXXX XXXX XXXX. I was shocked and researched the issue with XXXX XXXX XXXX immediately. XXXX XXXX XXXX confirmed with me on the phone and in writing that I did not owe them any balance and the communication from IC System is incorrect. Then, I contacted IC System to explain the situation to them on XXXX XXXX, 2015 and the representative ( XXXX ) advised me to mail them a dispute letter. Then, I did mail IC System two dispute letters. After I sent the dispute letter, I follow-up with IC System three times on the phone on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2015. IC System advised me that the status is pending the response from XXXX XXXX, but they will not report my file to the credit bureaus as they still need to do a investigation. However, I just realized they reported my file to the credit bureaus few days ago without clarified my account with XXXX XXXX XXXX. I called IC System today, XXXX XXXX, 2015 and seeking for help. Their response to me is I am sorry they can not do anything about it, I can dispute that from the credit bureaus if I want to. I believe the whole process make me very frustrated and helpless because of the mistake of a billing.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX and Equifax are showing my credit score as XXXX, when it should be the same as XXXX  at XXXX. My personal info has been breached with Equifax and I have attached a copy of the claim. It appears to be a clerical error as my credit reports are identical with XXXX. The score with Equifax is erroneous without explanation.
Complaint sub-issue: Reporting company used your report improperly

Back on XX/XX/XXXX I filed a complaint against CREDIT PLUS for pulling my credit report without authorization on the following dates. ( Report File number XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit Plus claimed to have authorization from XXXX  XXXX XXXX and would provide the proof of that authorization by XX/XX/XXXX. 
Today is XX/XX/XXXX and Neither XXXX XXXX XXXX or Credit Plus has provided any information. 
It has been well over the 30 days since Credit Plus could not confirm the credit pulls in a timely matter they have no choice but to remove those credit inquiries, Credit Plus is well familiar with the law as their supervisor explained to me via phone and in their previous responses. 
Refusing to delete the credit inquiries would be a willful refusal to follow regulation and the law.
Complaint sub-issue: Account terms

My client has a collections on his credit report from XXXX XXXX XXXX, which has recently been charged by the Federal Trade Commission of pedaling worthless high school diplomas. XXXX. I do not believe he should have to pay this organization, yet his credit is being spoiled. Please advise regarding how we can have the collections information removed from his credit report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Debt is not yours

You can't demonstrate any of the data referenced in the past credit report information that I challenged with. The data that you showed in my credit report I previously requested a proof of how you managed this.