Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

the rep I speak to has called me day after day. There are dunning laws that protect the individual from speaking to any debt collections and this company and its rep are in violation. 
For example we spoke on XX/XX/XXXX at XXXX XXXX MST  and talked about how to settle the debt and I was called again on XX/XX/XXXX at XXXX XXXX MST. 
There is a grace period that allows consumers and debt collectors to not have communication and when I asked about the dunning law she said she had no clue.
Complaint sub-issue: Information is not mine

I received a copy of my credit reports and noticed only on Equifax XXXX accounts that did not belong to me XXXX # XXXX AND XXXX # XXXX. I initated a dispute and 30 days later Equifax claimed they verified the information was correct. This is impossible since I called both companies and neither has record of me on file and wont release any other imformtion at my request. Please remove these accounts that do not belong to me ...
Complaint sub-issue: Reporting company used your report improperly

On or about XX/XX/2017 Court : XXXX Bankruptcy XXXX XXXX CA Reference # XXXX account was reported to a

Credit Reporting Agency without my knowledge or permission. I have requested for this information to be removed for several years now with no resolution. In accordance with the Fair Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I sent a letter to the Credit Bureuas last XX/XX/XXXX, XXXX as my sixth attempt to notify the Credit Bureuas that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. 

These items are unknown to me. Also, the information that some Credit Bureuas provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Here is the list of accounts that should be removed from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Account was paid in full. It was not settled.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX XXXX XXXX phone me of an Unauthorized credit inquiry made on XX/XX/XXXX by Citibank. XXXX XXXX contact XXXX telephoned Citibank on XX/XX/XXXX with me on the same phone line at XXXX and spoke with XXXX a Citibank representative, who promised to removed the fraudulent credit inquiries from my credit report and to send me a letter of apology to my mailing address. ( I assured Citibank that I never submitted any applications in person nor online and never authorized credit inquiries on my personal credit report and I'm SINGLE NOT XXXX ) As of XX/XX/XXXX The promised letter of apology was not at my mailing address and I gather, Citibank did not remove the credit inquiries from my credit report. SO, again I phoned Citibank at XXXX and spoke with XXXX, a Citibank representative, who read out loud, the notes of XXXX and stated that something held up the first letter. She never stated WHAT held up the letter. XXXX state she would resume the process and mail the letter of apology and ensured me that Citibank would remove the unauthorized credit inquiries from my credit report. 
As of XX/XX/XXXX and XX/XX/XXXX I have NOT RECEIVED the promised. Citibank letter of apology and I'm sure the unauthorized Citibank credit inquiries have not yet, been removed from all of my credit reports. The four ( 4 ) credit reporting agencies. 

The letter was to be mailed to XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX, XXXX, Illinois XXXX. 

I have filed an FBI identity theft report, an IC3.Gov and filed a complaint to report fraud.ftc.gov and was told to also, file this report to Consumer Finance.gov.
Complaint sub-issue: You never received your bill or did not know a payment was due

I have my Best Buy Store Credit Card Serviced by Citibank. I have had this card for more than 3 years and I have always had my automatic payments set up so I never miss a payment. This payment method has helped me keep an excellent record with all my credit cards and as of today I have a 100 % on-time payment history with all credit reporting bureaus. I have never missed a payment or paid late. On XX/XX/2022 I received an email from Best Buy/ Citibank telling me that I missed a payment and that I had a payment due. When I called the company they told me that my automatic payment was cancelled, something that I NEVER DID. They told me that there was anything they could do. As per as Supervisor my Automatic Payment was cancelled online, something that I never did, neither would I try to do so. No one other than me has access to my account online. I have no record that my automatic payment was cancelled, I never received and email or a phone call to let me know that my automatic payment was cancelled. This is an outrageous and irresponsible way to treat a customer. Now I have to pay the consequences of a malpractice that I was not responsible for. My credit history is impeccable. This action by y the company will damage my credit reputation when I do not deserve it.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Three fraudulent charges were added to our credit card statements starting on XXXX for a total of = {$610.00} and added interest of the disputed amount of {$18.00}. All attempts to resolve the issue have failed as of the XXXX statement.
Complaint sub-issue: Account information incorrect

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I noticed unauthorized inquiries reporting on my Equifax and XXXX that needs to be deleted. I filled out an FTC report which I will attach mentioning the referenced inquiries and pursuant to the block of information section of the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681c-2 these inquiries had to have been deleted within XXXX business days of receipt of my FTC report so I would appreciate this to be done promptly to avoid the continuation of Equifax and XXXX continuing to violate federal law.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. i got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$1700.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 written instructions.
Complaint sub-issue: Fraudulent loan

I paid XXXX XXXX and XXXX dollars to order a tesla model 3 AWD full self driving upgrade. The sales person asked if I wanted to secure financing with Tesla or their affiliated companies, I declined and told them I would secure my own financing. A couple of months went by and the TESLA sales team informed me my vehicle was ready to be picked up. I received a text message from the TESLA sales team informing me that I have a loan amount of XXXX dollar. I immediately called the sales team to inquire about the dollar loan. I spoke to a TESLA team member and he informed me that the XXXX dollar loan came from XXXX XXXX XXXX XXXX and they put the money in an account. I was devasted and very heart broken. This public company went behind my back and applied for a loan using my information after I clearly told them I will secure my own funding.
Complaint sub-issue: Debt is not mine

The collection agency keeps calling my cell phone with one ring everyday. when I return the toll free call ( XXXX ) to let them know that I do n't have a debt to pay and that I am a registered " do not call '' number ( XXXX ) they say they will remove my number but they keep calling ( over 6 months now ).
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 and XX/XX/2021 I sent a dispute letter to Equifax to remove incorrect information that is in direct violation federal law. 
This is a collection account, that is reporting as " OPEN '' collection accounts should not report as an OPEN account. There is a past due account reporting which on a collection account it can not be past due, this should be at a XXXX balance, In XXXX of 2021 in the two-year history randomly a 120 day late was reported, which is impossible to do on a collection account. 
They have not investigated this, nor corrected it. its been over 4 months and by law this account should be removed.
Complaint sub-issue: Information belongs to someone else

Someone Used my personal Information to commit Fraudulent Activity 's on my Credit I don't no how they did it but theses Accounts was not open by me i did not give anyone consent to open these accounts
Complaint sub-issue: Information belongs to someone else

There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Was not notified of investigation status or results

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit reporting act XXXX account # XXXX, XXXX, XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Equifax, failed to delete XXXX XXXX XXXX  account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing XXXX XX/XX/XXXX XXXX and Equifax is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 Creditor.
Complaint sub-issue: Reporting company used your report improperly

In XX/XX/XXXX or XX/XX/XXXX, Equifax suffered a breach of security via hacking from an online exploit, leading to the presumed theft of millions of consumers ' information. It is my understanding that I may be a victim of said hacking. I confirmed this information with Equifax on XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am not requesting verification of debt. I am clearly requesting validation of the debt. This is my third year attempting to have these accounts reasonably investigated in accordance with both the XXXX and also the XXXX 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX These accounts are not showing the company but were matched to another dispute and were reinserted back on my credit report without me being notified about the reinsertion. 
XXXX XXXX, XXXX, XXXX
Complaint sub-issue: Account status incorrect

I have contacted EQUIFAX to remove a duplicate account from my credit report since it has been close for long time but the refusing to do that. the account it has been paid in full and never late but i still have problem remove it from this credit agency.
Complaint sub-issue: Problem with balance transfer

On or about XX/XX/2019, as a result of a promotional offer of zero percent balance transfer, I applied for and received a XXXX XXXX card. At that time, I requested that a balance transfer of {$4500.00} be applied to my XXXX XXXX ( higher interest ) credit card. It did not get processed. Several weeks later I inquired regarding the status and learned that my request was never processed. At that time, the Customer Service Representative offered to put it though based on our phone call. I provided the requested information and assumed it would be done Several weeks later and after not seeing the transfer hit my XXXX XXXX account, I received my normal statement from XXXX XXXX regarding my ( low interest ) car loan. It became evident that somehow XXXX XXXX directed my balance transfer to my car loan account and not to my requested credit card account. 

Upon speaking with XXXX XXXX Customer Service, I was initially told that I must have provided the wrong account number and it was my mistake. Upon further checking Customer Service verified that they had the proper account number, but nevertheless could not determine how the mistake was made saying further, " that because the funds were already transferred and accepted by XXXX XXXX, they were powerless to do anything and that it was up to me to find a way to " fix '' the situation. '' Ultimately I asked that my call be escalated to a Manager, who essentially refused to acknowledge that the mistake was theirs, however, he indicated that my balance transfer fee would be refunded and the incurred interest, up to {$100.00} could be provided to me. The incurred interest at the time was an amount in excess of {$100.00}. XXXX XXXX has refused to accept any responsibility for their error and the balance transfer fee was not refunded. I would not accept an amount less than the incurred interest.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX keeps on reporting dispute remarks on my credit report also is not showing the car i have been paying with them on a loan. i have called and disputed this over the phone. my credit card keeps showing dispute remarks making it difficult to apply for any type of loan, credit card or i house i will be applying for in a few months. this has also transferred to the authorized users my father and girlfriend credit report. in Equifax they have stopped to show my car and are not showing my XXXX   XXXX car loan. 

this is my car and credit card that i have been paying on time please fix this issue. 
i will complaint this to my local attorney general 's office just in case this has to go to court. 
i will keep copies of everything from this day forward.
Complaint sub-issue: Information belongs to someone else

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report are either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX XXXX XXXX : {$510.00}
Complaint sub-issue: Investigation took more than 30 days

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Complaint sub-issue: Account status incorrect

This is not a valid debt. yet it is showing on my credit report from XXXX, Equifax, and XXXX. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.
Complaint sub-issue: Was not notified of investigation status or results

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  these accounts have violated my rights : XXXX - XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX 15 U.S.C. 1681 section 602 A. states that 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: Credit card company isn't resolving a dispute about a purchase on your statement

I contacted credit karma money on XX/XX/XXXX when I noticed over XXXX fraudulent transactions on my account and began the dispute process, I filed a police report proving I did not make these transactions and I was awaiting a police report number and copy to attach to my dispute as it takes a few days for the police report to be ready as soon as I got the police report I emailed back into credit karma to have them attach it to my dispute and noone replied to me. I sent over numerous emails and still received no reply, my police report was never added to my disputes and then about 2 weeks later on XX/XX/XXXX I received and email that my disputes were denied and all of them have been closed. I again tried emailing credit karma numerous times telling them the XXXX transactions need to be re-disputed as my police report was never attached to it and to my avail I received no reply, finally 2 days later I received an email on XX/XX/XXXX supposedly from someone with the disputes escalation team stating " Hi XXXX, Thank you for reaching back out to Credit Karma Member Support. I've escalated your case to our disputes team for further review. 


Please allow an XXXX time to research these transactions. In the meantime, if your issue gets resolved on its own or if you have anything to add, please let us know by responding to this email. 


Thank you again for your patience and understanding as we work together to find you the answers you need. 


Regards, Credit Karma Member Support And again another 2 weeks has gone by and none of my disputes have been re opened nor have I even received a single reply after this last email and I have messaged them over 10 times. Credit Karma money needs to be shut down they are extremely unethical and untrustworthy and is literally ignoring my right to re-dispute my transactions now that I have a police report. I need assistance please.