Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Personal information incorrect

0n Saturday, XXXX XXXX, XXXX I spoken with an representative of XXXX to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted 2 accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the companies and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21
Complaint sub-issue: Frequent or repeated calls

I receive a call at XXXX I spoke with a gentleman who proceeded to tell me about the Citibank/home depot card which is for my husband I told him I am at work I ca n't talk on this issue as of now and ended call..However at XXXX est I receive another call from a rep at the same company name XXXX who id her rep number to be XXXX she also continue talking about the Citibank/homedepot card in which I told her I already receive a call today and I am at work and it is illegal to keep calling me and I 'm not even the person. SH CONTINUE TO TALK Telling me she do not see that I was called I told her I was and I have proof she really COULD CARE LESS I ASK HER WHAT NUMBE IS SHE CALLING FROM SHE REFUSE TO GIVE ME HER DIRECT NUMBER HOWEVER TELLING ME THAT I CAN CALL THE NUMBER ON THE BACK OF MY CARD I TOLD HER I WANT HER DIRECT NUMBER WHICH SHE STILL GAVE ME THE NUMBE RON THE BACK IM AT WORK AND CANT CONTINUE TO TAKE CALLS AND IM SURE THIS IS NOT EVEN ILLEGAL FOR THEM TO CALL ME MULTIPLY TIMES AND ASLO FOR THEM TO KEEP CALLING A SPOUSE WHO DOES NOT EVEN OWE THE DEBTOR IS JUST CRAZY
Complaint sub-issue: Card was charged for something you did not purchase with the card

Recurring charges from Square XXXX showing up on my XXXX  account statement even after being issued new cc # by bank. 

1st charge showed up on XXXX  cc acct : XX/XX/21 {$84.00} amount was disputed and reversed, cc # was replaced by bank 2nd charge showed up on XXXX cc acct : XX/XX/21 {$57.00} amount was disputed and reversed, bank rep put a block on company to stop any further future charges, cc # was replaced by bank 3rd charge showed up on XXXX cc acct : XX/XX/21 {$57.00} I have not yet disputed amount with bank yet, but spoke with a fraud claim rep that I go to the company site which has a form to pull up receipts of charges processed with them. Also, the rep says that it looks like recurring charges and they have no way to stop the company from charging again since it's coming from XXXX that's allowing it to have uninterrupted service, XXXX will just update it with the new cc #. Rep says they aren't able to contact XXXX and resolve it either. 

I have contacted the company but only thru a message advocate ( by online chat/messaging ) and he told me that I had to file a police report and then go to their online page to file a " law enforcement information request form '' ( https : XXXX ) for that team to investigate the situation. 
Within the chat window, I sent the rep screenshots of the 3 separate charges from my bank account that showed the trans date, card type, trans type, merchant description, merchant info, ref #, merchant name, etc. of the charges. The rep looked into the info sent but said he couldn't block/close the account that's charging my card but only the team that deals with the law enforcement would be able to do it. 
I have copied all the text in the chat transcript for my records. The rep sent me a copy of the transcript but it's in a format that's unable to open up on my end.
Complaint sub-issue: Their investigation did not fix an error on your report

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.
Complaint sub-issue: Account status

I canceled my account before payment was due, yet XXXX still billed me for the next month.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States I have the right to privacy. 

15 U.S.C.1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Funds not received from closed account

We had a joint student checking account with the U.S. Bank. 

We received a letter from U.S. bank on XX/XX/2020, saying that they are closing our accounts and they will send a check within 15 business days. They did not give a reason but it was because of a bounced check. I deposited a check that was returned to the issuer. That was it. I did not try to make a withdrawal, we had a positive balance in our account. 

We made multiple inquiries about the situation and had no luck. They refused to give us an estimated time and did not send our money that was in our student checking account. 

The money in our checking account was for food and rent for the next three months. That is everything we have because it is our financial aid refund. 

We visited the local branch and explained our situation to the branch manager named XXXX XXXX at the XXXX office. He told us to wait 5 business days and 3 business days and so on. He finally asked to see our Financial Aid Refund document last week. I provided him with the document and he said that he will have our check onXX/XX/2020. 

However, we still do not have the check and we ran out of food about a week ago. 

They had a poster in their branch saying that they are the most ethical company in the U.S. but they do not care and respect their customers. 

I have been patient and respectful to their decision to close our account but is it ethical to take our money for survival during this difficult time? Their explanation is that they are very busy. 

However, they supposed to process our account long before the national emergency started.
Complaint sub-issue: Personal information incorrect

Good morning, as i viewed my report i have noticed multiple errors that i would like to address as for they maybe impacting my credit ; and that's not fair to myself. 

the year i was born : XXXX only not XXXX my formal name is : XXXX XXXX XXXX not XXXX XXXX XXXX not XXXX XXXX , not XXXX XXXX , not XXXX XXXX  not XXXX XXXX i have not resided at any of these locations listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Only address that i reside in is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX my email is : XXXX not XXXX nor XXXX and, y phone number is : XXXX not XXXX thank you for understanding
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$30000.00}, {$560.00}, {$7100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

This is a fraudulent account and it 's keep coming back as accurate
Complaint sub-issue: Information belongs to someone else

Equifax violated my rights and I didnt give consent for my information to be shared and I didnt give consent for them to use that report.
Complaint sub-issue: Frequent or repeated calls

I'm a XXXX patient and am getting daily calls from this debt collector for medical bills. I explained to them that I'm still unable to work, am not collecting XXXX and have no income at this time. 

I also told them that I was willing to honor the debt as soon as I get well and back to work. 

I get a call from this company every day even through I have blocked their number on my phone they leave a message EVERY DAY.
Complaint sub-issue: Information belongs to someone else

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Complaint sub-issue: Not disclosed as an attempt to collect

I pulled my credit report to find I had XXXX accounts reported from armada who collects for the XXXX clinic. These are doctor bills I did n't know I has so I called the company to try and clear these up with payments. XXXX was for {$76.00} and another was for {$87.00} they then informed me that they had several little bills in their office that added up to another {$200.00} that they wanted paid. The lady told me that if they are not {$50.00} or more they can not be reported to my credit but rather then owing them {$160.00} they now claim I owe them {$360.00}. I made a call to XXXX XXXX who said I need to write XXXX checks XXXX for each amount and submit a letter stating what I am paying and that they are to cash the checks and mark my account paid. I sent checks and letter XXXX/XXXX/15 and received them back in the mail on XXXX/XXXX/15 with a letter stating I need to call their office they are rufusing to take my payments.
Complaint sub-issue: Debt is not yours

I have received phone calls and letters regarding a loan that was made to me by Republic Finance in XXXX, Alabama. This loan was made on XX/XX/XXXX in  XXXX, Alabama. I have not lived in XXXX, AL since XX/XX/XXXX and was not in XXXX on the date of the loan. I currently reside in XXXX County Alabama. The balance of the loan is XXXX. I do not know where this money is nor where it was deposited, cashed or secured. I do not know anything about it. I went back through my bank statements and there is not a transaction on this date in this amount. Apparently, it was one of those solicitation checks to sign and deposit for a loan. It was mailed to the apartment complex in XXXX where I previously resided.
Complaint sub-issue: Information is not mine

I am a victim of Identity Theft. I have items on my credit report that do not belong to me
Complaint sub-issue: Account information incorrect

Citibank ( LLBean Visa ) wrongly reported high credit usage to XXXX that downgraded our credit rating from Very Good to Good. We regularly use a large % of this credit card and pay ot off completely each month, often early. Yet Citibank reported unusually high credit usage. XXXX did nothing when we disputed this reporting. No one at Citibank has been able to help or explain this sudden credit reporting change. It appears that Citibank is abusing its power by penalizing customers who do not agree with their XXXX policies.
Complaint sub-issue: Debt is not yours

To Whom it May Concern, Upon looking at my credit report. I found a collection item from Dyck Oneal. In which their were no collection items on my credit report at all. I have no knowledge of the amount, don't know who it is from, have not applied for any credit with this company therefore I don't owe them any debt. 

Once I found this debit on my credit report I call the number that was listed. I was not able to get in contact with anyone. The phone will ring and then I am asked to leave a message. I called more than ten times and it was the something. I left a message and I have not had a return call.

Per my investigation this company deals with loans and mortgages in the state of Florida. I am not a resident in the state of Florida and never been. I also found that this collection agency is in violation of the FDCPA, CCPA. This collator is not licenses in the state of pa and is in violation of all laws. 

Thanks XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I requested my credit report from Sagestream LLC on XX/XX/XXXX, through the company 's online request form. After submitting the form, I received a confirmation message stating that I would receive my credit report by USPS first class mail. I never received the report. 

I submitted another form on XX/XX/XXXX and received the same confirmation message. I have not received the report. 

This is my second complaint against the company. I tried to contact the company several times by phone and once by mail prior to my first complaint. The company 's response to my first complaint was to suggest I complete an application on their web site. I have done this twice and still have received no response.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

On XX/XX/XXXX i filed for chapt XXXX in RI. All my debt was discharged in XXXX of XXXX. 
A lien was put on my house in XXXX of XXXX sum of {$1900.00}. File no. XXXX. Plaintive - CITIBANK account ending last four XXXX. Plaintiff 's Attorney XXXX XXXX XXXX XXXX. 
I don't remember being properly served and I don't have any paperwork or communication with citibank or their attorney for that time. 
I am currently in the process of refinancing my home. 
The title search discovered the lien. I contacted my attorney about 3 to 4 weeks ago. XXXX XXXX XXXX XXXX who processed my chapt XXXX. 
From what I understand of the conversation between the two attorneys is that Citibank will not release the lien on my home without a payment of aprox {$3600.00} almost double the amount of the original discharged amount. 
I am being extorted in this time of a national emergency and financial crisis. I can not pay the {$3600.00}. that has been discharged and I can not refinance my home with this lean on my home. 
I live in this home year round and need immediate financial relief.
Complaint sub-issue: Information belongs to someone else

Hey, how many times I've disputed this account found in my credit report but still in there. As a federal protected consumer I know you no legal standing, you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish you caused me.
Complaint sub-issue: Problem with personal statement of dispute

I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ XXXX monthly payment. The name that is reporting late is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I disputed an account ( XXXX XXXX ) In the results of your first investigation, you stated in writing that you verified that this item ( XXXX XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES ( shown in an attachment ) reported on this account how could you have verified it with having so many inconsistencies? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX & Equifax provide me with competent evidence such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.
Complaint sub-issue: Reporting company used your report improperly

For the last several years i have spent over 400 hours, sent dozens of letters and made dozens of phone calls to this Credit Reporting Agency regarding fraudulent, inaccurate information, other illegal information added to my report, a willful lack of investigation with regards to my disputes, not honoring my request/demand to Opt-Out from their reporting, a refusal to take all inaccurate, fraudulent and illegal information off my report.

All this in violation of 15 USC 1681B ( A ) ( 2 ), 15 USC 1681A ( 2 ) ( A ) ( i ) & 15 USC 1681A ( 2 ) ( B ).
Complaint sub-issue: Account information incorrect

I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( XXXX, Equifax and XXXX ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted TD XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter on XX/XX/2019, which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my XXXX, XXXX and Equifax file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.
Complaint sub-issue: Problem with customer service

AES and XXXX are the same entity. When you go to the XXXX website you learn that it operates part of its national business as AES, meaning that it is in part one legal entity. However XXXX  practice of managing its loan accounts confuses one to believe that another entity is owed the alleged debt. The FCRA and FDCPA protects consumers against these kind of reporting practices. 
AES/XXXX  transferred this alleged debt to XXXX in XX/XX/XXXX. Then on the same date XXXX closed the account and sold the alleged debt to a third party, XXXX XXXX XXXX XXXX did this without attempting to contact the account owner first to notify their acquisition and/collect on the alleged debt. XXXX XXXX XXXX did not report the debt to the credit bureaus, but did send notification of their acquisition and did attempt to collect the debt. From XX/XX/XXXX until XX/XX/XXXX, XXXX XXXX XXXX was the owner of these alleged debts. In XX/XX/XXXX XXXX reacquired the alleged debt from the third party after I disputed XXXX  right to report an alleged debt they did not own, with all credit bureaus. XXXX found validity in my dispute and removed XXXX  listings from my XXXX credit report for FCRA and FDCPA violations. 
XXXX did not reassume responsibly for the alleged debt from XXXX XXXX XXXX until XXXX XXXX ; however, they reported these alleged debts to all credit bureaus as owed to them for XXXX ( XXXX ) months after selling the debt to a third party in XX/XX/XXXX after first acquiring the alleged debt from AESXXXX. XXXX also attempted to collect this alleged debt in direct violation with the U.S. Education Departments COVID-19 Emergency Relief guidelines currently active until the end of XXXX. During the same timeframe XXXX XXXX XXXX was also attempting to collect this same alleged debt which could have resulted in double enrichment for XXXX, which is a violation of FCRA and FDCPA consumer protections. 
The original debt amount listed by XXXX differs from the original debt amount reported by the original creditor AESXXXX. I have attempted to validate the allege debts owed to creditor XXXX and AES to no avail. When I go to the XXXX website to login to this account, I am redirected by XXXX to AES in order to review and manage this allege debt owned by creditor XXXX. Once logged on to this account I see that I have a XXXX ( XXXX ) dollar balance, nothing is owed on this account, and the creditor has deleted all payment & billing statements from their system for the the alleged debt with both creditors XXXX and AES under the account. Both creditors are intentionally preventing me from being able to validate the information they are reporting to the credit bureaus which is a violation of FCRA and FDCPA consumer protections.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.