Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased a XXXX smart watch on XXXX XXXX, 2020 for the amount of {$470.00} in Best Buy and returned the smart watch in the store on XXXX XXXX, 2020. 

The amount ( {$470.00} ) was not credited back to the original credit card. 

Attempted resolve this matter since XXXX and the fund of {$470.00} hasn't been issued.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting 120 or 180 late payment for XXXX/ XXXX/ XXXX of XXXX and XXXX/ XXXX/ XXXX of XXXX. The account charged off on XXXX in XXXX, XXXX which means its not longer on XXXX/XXXX books and was transferred to collection company ( XXXX XXXX ). Once Therefore they should not be reporting to credit bureaus beyond the XXXX, XXXX. I believe that reporting from XXXX, XXXX until today should reflect either Failed to Pay or Charge Off. I have disputed this many times and it is still wrong with all the bureaus. 
In addition, please note that I have already settled account with collection agency.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are a few accounts on my report I do not recognize
Complaint sub-issue: Banking errors

I have several checking accounts with Citibank. In XXXX 2020, Citibank changed the title and Social Security number on several of those accounts without my notification. I did not sign any form, or authorized anyone to make these changes. Furthermore, the title of the accounts that were under my name were changed to that of my late wife 's trust name. The Social Security was changed from my individual to my late wife 's individual Social Security prior to her death ( that Social Security is no longer valid and her trust as an XXXX number ). I realized that these changes had been made in late XXXX when I called to inquire about a returned check. In that conversation, the bank representative asked me to verify my identity. I was unable to do this since at that moment I was unaware of these changes. After realizing that these changes made unilaterally by Citibank were made I contacted multiple reps of Citibank and was eventually directed to go in person to a branch. When I met with a representative at a Citibank branch in late XXXX. The branch representative ( XXXX XXXX XXXX XXXX  XXXX  XXXX  in XXXX - XXXX XXXX ) confirmed that these changes have been made and acknowledged these errors. Since late XX/XX/2020, Citibank has been unable to correct these mistakes and Citibank is still attempting to trace how these unauthorized changes took place. I believe that it is unacceptable that : a ) these significant changes happened without my authorization or involvement, or without Citibank 's knowledge ( changing the title and the Social Security for several checking account is a major breach of security ) ; b ) The tracing of these changes has been unsuccessful and remains unknown ; c ) about 45 days have passed with no resolution. Obviously, I have lost total trust in Citibank and I have proceeded to open a checking accounts with XXXX. This has involved significant effort and time, and inconvenience. I wonder and worry if this has not just happened to me but that there might be other clients affected and both the clients and Citibank being clueless about this.
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 an account without my written instructions.
Complaint sub-issue: Debt is not yours

Enhanced Recovery Co L and others on behalf of XXXX continually revive and report to CRAs a debt that has defaulted from a completely different account unrelated to me or my bills. Despite being removed prior by the CRA 3 times over a 6 year period, every 12-24 months, the same debt fraudulently appears again, despite having been proved not to be mine multiple times.
Complaint sub-issue: Old information reappears or never goes away

XXXX  refuses to remove a foreclosure from my credit report even though it is well past the  7.5 year s beyond the FCR A Date of Compliance. Under FCRA 609 ( a ) ( 1 ) I d id request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance  as  XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from   XXXX   XXXX   XXXX    and at that time re -- aged the terms of the loan which is illegal and is being reported t o the CA State Attorney General,  XXXX , and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.
Complaint sub-issue: Debt is not yours

I contacted the collection agency called AFNI about an account on my credit file that doesn't belong to me and tried to settle with them because i'm in escrow on the purchase of my new home and need it deleted from my credit report right away. They told me that they wouldn't accept anything less than {$1000.00} and i stated that it's not mine but i need it gone off of my file. I even asked for some proof of a contract or something with my signature showing the debt belongs to me and they refused.
Complaint sub-issue: Account status incorrect

I have sent a request in writing on XX/XX/XXXX for these inaccurate, reporting agency altered accounts to be verified and validated with the original contract, agreement or account with my signature and date to match what is being reported. 
It is my rights and the responsibility of the reporting agency to provide true and accurate reporting that it actively reports and shares with others and with lenders. 

My written request was never acknowledged, never given consideration nor did it resolve the inaccurate and altered issues. Its been over 30 days and I and requesting all refused information is removed at once. 

To inaccurately report inaccurate and altered info on a consumer credit report is in violation of the FCRA and violates many laws. 

We as consumers are given the opportunity to dispute wrong and inaccurate, altered information however its been proven these reporting agencies refuse investigation and continue to completely and unfairly destroy a consumers right to fair reporting. 

I have took an extreme loss and suffered much damage and made a victim of unfair, fraudulent reporting. 90 % of my credit reports are inaccurate and fraudulent. Attached on a report from Equfax it states, Date open XX/XX/XXXX from a company i have never transacted business with, It states, date of first delinquency XX/XX/XXXX. If properly verified and validated with original documents signed and dated, that would resolve many issues. 

All of this evidence will be put together and submitted to the courts for further investigation and compensation. Against XXXX, Equifax and XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

upon first receiving collection letter and communication from XXXX XXXX XXXX I explained to them that the account didn't belong to me and if they can send information to validate the debt. To this day I still have not received anything. 

XX/XX/2022, I mailed dispute letter to Equifax requesting the removal of account, Equifax sent response back claiming the debt was valid. 

XX/XX/2022, I mailed a 2nd letter to Equifax requesting the removal of debt, this debt does not belong to me, they are reporting inaccurate information.
Complaint sub-issue: Debt is not yours

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Information belongs to someone else

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists
Complaint sub-issue: Card was charged for something you did not purchase with the card

My mother has a very bad XXXX addiction that ruined my life also she is a very good liar. She opened my mail and used my new credit card without my permission.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of XXXX upon moving from XXXX  to XXXX, I was told by my bank, XXXX XXXX XXXX XXXX, that I would be able to conduct banking at a large number of credit unions and would not need to close my account. Once I arrived in XXXX  and tried to make a deposit, I was told that I was not approved to make deposits out of state. This resulted in my account becoming overdrawn and I had no way to bring the account up-to-date unless I traveled to XXXX, which was not possible at the time. 

So, the checking account went to collections. In XXXX of XXXX, the bank finally decided I could mail a check to an address in XXXX  to clear the account. So, I did so and received a letter back from the bank showing it was paid in full. 

However, the account was and is still showing twice on my credit reports. Both entries show the same account number. However, one shows when my account was actually opened in XXXX and the other shows an account was opened in XXXX ( 16 years before I was even born ). I've tried multiple times to get them to remove the second entry and have disputed it with the credit bureaus several times. 

On my latest dispute, the bank reported to Equifax on XX/XX/XXXX that this account now reported a late payment in XX/XX/XXXX. How could I have late payments on a checking account that was paid in full in XX/XX/XXXX and has been closed since XXXX? How can payments even be made on a checking account? All of the reported data is incorrect. The two entries on the credit report even show the same account number being opened on different dates. 

I have been fighting to have this removed for nearly six years now. I can provide the paid in full letter as well as show the incorrect credit report as of XX/XX/XXXX.
Complaint sub-issue: Received bad information about your loan

I feel that they were targeting me for loans since I was XXXX and graduating high school. I was getting great loans through servicer XXXX from the start. Interest rates were very reasonable and had suggested that I accept my subsidized and I subsidized loans first. Because the fafsa loans were most likely not going to owe any interest until after I graduate or I would only have to pay low interest rates until I graduate and if I could they suggested that I pay principal on the interest bearing loans first. Whereas, Sallie Mae advised me to take an entire public loan with no chance at I subsidized loans and their interest rates were more than twice the rates at XXXX. And thats with my father and his credit score of XXXX at nearly 10 % it was a year before my mother realized we owed well over {$450.00} in interest alone. 
I want to move that loan to XXXX ASAP
Complaint sub-issue: Account opened as a result of fraud

I received a promotion in the mail from KeyBank. It states if I open an account by XXXX and make a single direct deposit of XXXX dollars or more in the next 60 days they would give me XXXX dollars. I opened an account online XX/XX/XXXX with XXXX dollars using an on, line transfer from another bank account at XXXX. Today, XX/XX/XXXX I went in and deposited a check to this account for XXXX dollars. I asked the teller if this would qualify for this promotion. He was not sure since it might have said a direct deposit. I asked would this be considered a direct deposit. He was not sure. Concerned, I called Key Bank when I came home about XXXX XX/XX/XXXX. I was informed the check deposit was not considered a direct deposit. Reviewing the promotion, it does say direct deposit. The Keybank representative, XXXX, stated that direct deposit means to Keybank that it is from payroll type of institution such as Social Security, a pension, salary from a job, etc. Nowhere on the promotion does it enumerate the direct deposti means from such an institution and a check deposit by me would not count. I told XXXX, I considered this fraud since I am not in the banking industry and my idea of direct deposit is my going to the bank and directly making a deposit. Furthermore, these terms are impossible to comply with. I logged into my Social Security account and the soonest I effect a change to my direct deposit is my XXXX payment. I usually receive my Social Security payment on the XXXX of the month. To comply with the promotion terms I would have to receive a Social Security Payment by XX/XX/XXXX or XXXX. Clearly this is further fraud. I could not change my Social Security direct deposit institution without first having an open account at Keybank. Social Security will not change a direct deposit institution in less than 60 days. I have changed my Social Security direct deposit 4 business days after opening the Keybank account. Keybank full well knows these time frames of Social Security and have committed fraud by intentionally misleading me and probably many thousands of others. The float the gain will be a large windfall. I suspect they have targeted likely Social Security recipients by simply usiing a mailing list filtered on the age. Please fine Key Bank to the fullest possible extent and consider criminal prosecution of their executives. I have a copy of the promotion. I have screen shot of the Social Security screen. Please contact me if you need any further documents. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can your complaint be satisfactorily addressed? 
An investigation a large fine against Keybank and criminal fraud charges brought against this company.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax sent me a letter ( which is attachec ) where they advised they are not doing any further investigating into the accounts listed on my dispute. Under FCRA I have the right to request the credit bureau furnish proof of the accounts being falsely reported to my credit report for accuracy. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting teh credit bureau furnish these documents - as this information is not valid - I have not signed contracts with this companies. This letter is their denial of what is my right legally and they have exceeded the legal time frame to provide it. 

I have attached a notarized authorization for them to speak with you to resolve my complaint, a copy of a bill, US Passport and the last letter that was sent
Complaint sub-issue: Account status incorrect

that accout with total visa and XXXX XXXX are report that account as wrong i was in jail
Complaint sub-issue: Debt was result of identity theft

THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Was not notified of investigation status or results

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
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 Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX
Complaint sub-issue: Reporting company used your report improperly

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Complaint sub-issue: Don't agree with the fees charged

As per advise from the lender more tan 50 % loan repaied. 
Requested the Lender in question to remove deliquent notice and allow partial payment as I do not have any income since XX/XX/2020 as I have been furloughed and I am at my wits end. Still then I managed some payment till XX/XX/2020. 
The lender STILT is sending threatening notice. 
They are threatening with legal action.
Complaint sub-issue: Problem with personal statement of dispute

I set these student loan Accounts on auto paid and thinking that is in auto paid. I got car accident and I was in and out of the hospital. I wasnt aware that the account was late. The company didnt call or send me a letter to inform me. I call them up explain the situation. I called the lender up explain the situation. They stated it was still my responsibility to call. I told them how can I Call if I didnt know ; also I was in out of drugs and was in multiple XXXX. When I was Partially recover I made may payment and contact the lender right away when I saw my credit score down due to the late on the student loan.
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Reporting company used your report improperly

I went in to this XXXX dealership ( XXXX XXXX XXXX, XXXX ) to checkout a used car I had seen online. As soon as you walk in they take all sorts of information about you. I told them not to do a hard pull on my credit report because if I decided to buy a car, I would go to my bank first to discuss a car loan with them. They told me a lot of people have the same concern and promised and assured me that they will not do a hard pull on my credit report. They said they might do a soft pull just to get an idea. Sure enough I get home, and I have an credit monitoring notification indicating that they did a hard pull on my credit reports ( through a company called CREDCO ) even though I explicitly forbade them to and they agreed. Accordingly, my credit score took a hit. 

They also repeatedly fudged their 'tentative ' financing numbers to trick me into thinking that I would be paying less with them than I actually would, so that I would agree to finance the car with them. When I called them out on it, the salesman sheepishly admitted that yea the numbers don't make sense. I got up and left. They also, with no information whatsoever, lied and told me I would get higher interest rates and pay more if I went to finance elsewhere.
Complaint sub-issue: Reporting company used your report improperly

Based on the information provided, we believe that your personal information may have  been impacted by this incident.