Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Used obscene, profane, or other abusive language

The complaint is against ATG Credit , LLC for abusive language, aggressive, unlawful collections efforts. ATG never followed the Fair Credit Act by contacting me via us mail to validate debit. After calling to inquire about the negative posting to my account. I was told by the Supervisor/Manager XXXX XXXX that ATG Credit , LLC, has the right to post anything to anyone credit where ever the company wants there is nothing the consumer can do about rather it is incorrect or not. When I was explaining to her that I will only like the chance to validate the debit from XXXX. XXXX XXXX was yelling and threatening to ruin my credit when I mentation I was trying to close on my first home. That client XXXX XXXX University will XXXX validate the credit. This causes undue stress and worries for a single mother of a XXXX-XXXX-old. I just want to buy my first home and obtain the American dream for my son and myself. She knew I was a minority by my account she spoke on that. I called XXXX  XXXX University after the call the account was paid in full and this debit ATG Credit , LLC is collecting on is invalid. The call to ATG LLC was made on XXXX at XXXX central time.
Complaint sub-issue: Debt is not yours

IQ Data International , INC. add a collection on my credit report who is not mine, charging me for {$2900.00} from XXXX. I sent a letter requesting a proof of any contract in XX/XX/XXXX who I had answer with a supposed contract who do not have my signature but has my name printed on it but NOT MY SIGNATURE. I sent a second letter attached with a copy of a contract they sent to me but I did not have heard back yet They do not have information of any ID or copy barely my hand signature ( Do not have my Driver license information on file who is normally required to do any contract ).. My next step will be filled a Small Claim lawsuit against IQ Data International, INC following items : -Violation of the fair debt collection practices act ( including but not limited to section 807-8 ).

-Violation of the fair credit reporting act ( including but not limited to section 623-a-3 ).

-Violation of ( insert corresponding state laws here if desired ).
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,
Complaint sub-issue: Information belongs to someone else

My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX  XXXX {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 ) XXXX   XXXX XXXXXXXX 4 ) XXXX XXXX XXXX {$390.00} 5 )  XXXX/ XXXX XXXX IN Please investigate this and send me the Method of Verification used, or remove the accounts immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I 'm not sure what 's going on. I 've been submitting disputes to the credit bureaus for the past eight months. They do not respond to me and are obviously not initiating my disputes. I 'm not sure what 's going on. I KNOW these accounts that are reporting are inaccurate. I 'm just trying to express my rights as a protected consumer and ask the credit bureaus to investigate. Why are you not investigating my disputes? Can you legally just ignore my request like that? I 've also tried disputing with the collection agencies asking them to send me a medical release form because i 'm more than 100 % sure i 've never given them permission or access to my personal medical information. I 've spoken to a consumer right 's attorney and he 's telling me that i have a case, do i? I 'm asking the credit bureaus to please investigate these inaccuracies. This is causing me major stress. These collection agencies do not have my permission to have my medical information, PLEASE remove!!! 



XXXX Opened XXXX XXXX, XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX LA XXXX XXXX Opened XXXX XXXX, XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$290.00} Original creditor : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. 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: Their investigation did not fix an error on your report

After several attempts to remove this particular account and has come back onto my credit profile.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX  XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Public record

ALL CREDIT AGENCIES CONTINUE TO REPORT BANKRUPTCY XXXX TIMES ON FILE AND NOT MY ACCOUNTS, ALL INFORMATION OUTDATED SINCE 2005 AND ALL AGENCIES VIOLATES FCRA PROVISION XXXX, XXXX AND XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I had my name changed in court, just my middle name, so supposedly once info is corrected with social security offices it should be " easier '' than if it were my full name, but I still did as I was advised and tried double checking after with the credit unions to make sure my middle name had been changed and didn't run into any issues down the line. No issue with 2 of them, but with equifax not only was the info not changed/updated but. 

- they say to just make an account on their website. You do this and you'll never be able to login. Doesn't matter device or browser, their site is poorly and insecurely constructed. You're led to a " sorry we can't do that please call this number '' page every single time. 

- you call that number like I did on XX/XX/2022, and twice last week and the week before ( XXXX, XXXX, and XXXX I think are the right dates ) and you're connected to a call center where English is clearly the XXXX XXXX  the call center is very audible in the background in a way that makes me believe the employees aren't given headsets ( I used to work in a XXXX XXXX, for me to hear other operators in the background this clearly you'd have to not have headsets ... which for customer support at XXXX  would be one thing but this is a major credit union where SSNs are being thrown around! ). I know they have a script to read from but it was also clear that on each time the operators just couldn't understand me and made no effort to actually fix or help with the problem. All they do is tell you to reset your password and then hang up on you. By try 3 or 4 I was firmly saying I won't be doing that because that's clearly not the problem, the solution, nor ever was. It's very clearly a problem with their website itself. They just keep repeating their script to change your password over and over again to the point that if it weren't for the clearly audible call center in the background I'd think it was a robot I was talking to. 

- I've sent certified mail and haven't gotten a response yet but I've seen online many others saying they did the same and just got ignored, and ran into the same issue with the same useless call center. 

Equifax 's support is nonexistent, their site is unesecure and broken, and they don't bother fixing issues or updating account issues when you try to contact them. And there's no way to get around this and try to fix it other ways! I'm at a loss for what to do at this point. 


Here 's a link to a MyFico forum of others having the same issue as me over a year ago : XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

When trying to purchase a Mortgage Loan, they requested my Credit Report. After received by the Mortgage Bank, they notify me that the Credit Card Account is not present in the Credit Report on none of the 3 Credit Bureaus. 

I proceed to contact my Credit Card Bank ( XXXX Bank ) to verify this information and they state that the report has been submitted monthly to the Credit Bureaus. I have tried numerous times ( 15 times to be exactly in the past two weeks ) to get an answer on why none of the Credit Bureau companies have received it and they just say that they have done it ( When the Credit Bureau has not receive anything ). The Bank doesn't give me a reasonable answer or result. Do to this negligence, I have recently lost the opportunity to acquire my Mortgage Loan and lost the apartment I was hoping to purchase because that card makes me eligible with the Credit Experience needed to purchase the Mortgage Loan. After two weeks, they still don't give me a concrete answer and the Credit Bureaus still haven't receive an Activity or Existence report of my Credit Card Account.
Complaint sub-issue: Personal information incorrect

2 XXXX XXXX XXXX XXXX XXXX are being reported on my XXXX Credit Report, we are a victim of identity theft.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax will not remove XXXX XXXX XXXX off my credit. 
Its paid in full. 
Its still showing open. 
They still reporting on my credit. 
They will not update. 
The Company contact me and said that it will be remove with 3 days. 
Still not remove off my credit.
Complaint sub-issue: Information belongs to someone else

XXXX / XXXX  / Equifax / XXXX I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information ) respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application.

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.
Complaint sub-issue: Trouble closing card

I received a US Bank ReliaCard from the Ohio Unemployment Insurance Program. I'm not an Ohio resident, have never worked in Ohio, nor have I applied for unemployment in the state of Ohio. Despite numerous calls to their fraud department, I have been unable to reach anyone or get a response. I want to make sure this account is identified as fraud and not associated with me or my information.
Complaint sub-issue: Investigation took more than 30 days

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Debt was result of identity theft

I have called XXXX multiple times throughout this process, then disputed with not one but two collection agencies, AFNI and XXXX XXXX so far after months of attempting to resolve this dispute they have just changed hands with who I am dealing with in an attempt to force me into paying this debt that they are responsible for. 

My phone was stolen on XXXX  XXXX  XXXX XXXX this year. On XXXX second I had reported my phone as stolen to XXXX on my account online, then received an email on XX/XX/XXXX about high usage on my account. I called XXXX immediately upon receiving this email, and l I told the operator that my phone was stolen as I had marked online ( as viewable from the text proof from XXXX that I had them send me later for a stolen phone insurance claim ) and told them to pause the account, and that I would be moving that number over to Visible. He told me that there would be no issue with that and I would not have to worry about future charges and that the current charges would be marked as fraudulent and set to {$0.00} for me. Proceeding from there more charges occurred with a foreign contact in XXXX during which after each warning email I received I called XXXX and told them these were again fraudulent and to confirm that I would not be responsible for the charges since they continued to grow. From this point forward I was told varying information each time. After the final dispute, I told them that they should send the charges to dispute as they were not me and I had been transparent and honest with each representative. the appropriate phone/service balance with XXXX has been paid off as has the last account/contract charge. The only charge left is the international fraudulent charges. I do not have any specific names of the three representatives I spoke with, just that the contacts started on XX/XX/XXXX, but that I had marked my phone as stolen on XX/XX/XXXX as is verified by the XXXX text message I received after trying to look into my trail of communication. 

The real issue which I would like the CFCB to look into is that I have sent this information to XXXX, AFNI, and XXXX XXXX, all three of which asked for the info and for me to call, then have proceeded to move the debt to another company for me to deal with. I am currently in the process of trying to get a mortgage and this has significantly impacted my ability to do so. This debt should be removed and if further action is needed against XXXX/AFNI/XXXX  XXXX about harassment of customers I would be willing to testify and take this to court as there needs to be clearer protection from this.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., XXXX, Equifax, XXXX  XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to XXXX, Experian, and XXXX  on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, XXXX, Equifax, and XXXX  have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased one washing machine from Home Depot using a co-branded credit card from Citibank. I was over charged for one washing machine and have been disputing it since XXXX. Last conversation took place on XXXX with the Citibank 's dispute department and they told me they spoke with home depot and everything was taken care of and I would be credited. They told me it would take on statement cycle for the credit to take place so which would be by XX/XX/XXXX. When I checked my card balance today the credit was not made to the account. When I called Citibank 's dispute department again on XX/XX/XXXX they now told me that Home Depot said they credited everything I was owed and the dispute group at Citibank told me that they won't do anything else I have to work with the store. When I go to the store they tell me I need to deal with the card. 

Purchase information : XX/XX/XXXX - purchase for washer and dryer {$2400.00} - Cancelled order XXXX - purcahse for washer and dryer {$2300.00} - cancelled order XX/XX/XXXX - purchase for washer {$1000.00} - cancelled order XX/XX/XXXX - purchase for washer {$1100.00} - accepted order Total Amount charged : XXXX Credit from Home Depot : XX/XX/XXXX - {$1100.00} XXXX - {$40.00} XX/XX/XXXX - {$1000.00} XXXX - {$1100.00} XXXX - {$1200.00} XX/XX/XXXX - {$40.00} Total Amount credited : {$4700.00} Total Amount charged {$7000.00} minus total amount credited {$4700.00} Amount remaining : {$2300.00} minus purchase of 1 washer for {$1100.00} Still owed refund of {$1100.00} for overcharge of an additional washer which I never received Citibank dispute department refuses to help me at this point and says it's a closed case. I'm having to pay for 2 washing machines when I only purchased one. I keep getting the run around between the departments of the co-branded card company Citibank and Home Depot it's apparent that the systems/data does not update properly. Citibank left it with to bad you have to pay the balance.
Complaint sub-issue: Reinserted previously deleted info

Address added to my credit report XXXX XXXX, GA XXXX is NOT my address, this is inaccurate
Complaint sub-issue: Problem with fees

I had an issue about a 'returned payment charge ' of {$20.00} with XXXX Visa XXXX card issued by City National Bank . 

On XX/XX/2019, I received a mail from City National Bank that they will transfer their website from the old one ( creditcare.cnb.com ) to the new one ( cno.cnb.com ). Then I followed their instruction to setup my account on their new website. Please note that the old website does not allow me to setup autopay, so I had to schedule the payment every month. Also, I noticed that the account on new website does have autopay setup, so I setup autopay immediately to avoid late payment. However, I didn't remember if I scheduled the payment for XXXX XXXX statement or not, and it didn't show up on the new account. And I assume the system should handle that with no problem. 

But I am wrong. The system tried to make duplicate payment for the statement of XX/XX/2019, with the amount {$920.00}, on both XX/XX/XXXX and XX/XX/XXXX. However, I didn't have enough money in my checking account ( of course because I didn't know they will make repeated payment ) and charged me a {$20.00} 'returned payment charge '. 

On around XX/XX/XXXX, I called the customer service and want to get the fee refunded because it is not my fault. They said they will contact the one whom I applied the credit card with. However, it has been one month and I haven't received the refund yet. I don't want to call them again and spend a lot of time to explain the whole thing. So I'd like to ask for help from CFPB. Thanks for your kind help.
Complaint sub-issue: Funds not received from closed account

I called Citibank XX/XX/XXXX when they said my account was being closed. They said they would mail me a check with my remaining funds ( {$860.00} ) in 30 to 60 days I called everyday for XXXX  days after that. I called a week later and then al through XXXX. XX/XX/XXXX was 60 days. I called and they are still telling me 30 to 60 days and will not mail me my remaining funds. They also will not let me transfer it to another account.