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

Opened a dispute XXXX at which Citicards provided me a conditional credit and sent the Vendor a letter seeking more information. The Vendor sent information CLEARLY states that problem still existed after he left and he was contacted at least 3 times to repair the issue, cancellation policy but citicard 's policy is to reverse the credit pending investigation. I called Citicards many times requesting to talk to an investigator, they take my contact number and tell me that someone will call me back but on one ever does. I am beginning to feel that Citicards doesn't really have an investigation department!!! So, I had to resort to this method to get my money back before I file a legal case
Complaint sub-issue: Public record information inaccurate

On my motor vehicle report it shows on XX/XX/2017 that I was involved in an accident. It does not show where the accident was at no fault of my own. My car was parked when another vehicle hit my vehicle. When current and future employers look into my motor vehicle report, it will look like I was driving when the accident happened and could get the employer to reject my application. Please look into this matter because it could hurt applicants from the way Checkr Inc. posted the accident in the motor vehicle report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I do not have the last date that I spoke with Allied Interstate LLC it was sometime in XX/XX/XXXX. When they first called me at work I requested that they did not contact me at work and that the debt that they owe I do not owe what they say I do. I disputed it with XXXX stating that I was two payments behind and I tried to make a payment over the phone to get it caught up but they wanted to charge me a fee so I said I would go online to make the payment. This was over two years ag and they said they shut my online access off and they would not take my payment over the phone of which at the time was only {$50.00}. They said that they would reinstate my online access but I was to either email or mail them a copy of my drivers license and copy of my social security card. I refused to do either one I am not stupid. 

I requested XXXX to have them removed from my credit report since I made multiple attempts to get this caught up and it was but this was prior to Allied buying the debt from XXXX. 

Today ( XX/XX/XXXX between XXXX and XXXX ) I received a phone call from Allied at work the name of the rep. was XXXX XXXX and I told him that they were not to call me at work but he kept on speaking wanting me to verify my date of birth and so on. I informed him that he was violating my request to not call my work and that I was going to file a complaint. He seemed to not even care at all. I do not owe this debt I will not pay this debt. I want this debt removed from all my credit reports and I do not want it resold to another agency. I tried to make payments the company refused to accept the payment and then on top of it requested personal information that could and probably would have resulted in identity theft of which has already happened more than once with me. 

Allied is not to contact me period this debt as far as I am concerned is not owed by me.
Complaint sub-issue: Was not notified of investigation status or results

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Complaint sub-issue: Debt was result of identity theft

XX/XX/18 various amounts of request payment appear on my credit report with Voss & Klein in the amounts of {$2600.00}, {$5200.00} & {$6100.00}. I have reported to this company this was fraud over three times I have disputed this now this week I received an email with someone else 's driver license and filled out paperwork with an unknown signature that is not mines from Voss & Klein. I replied that the information sent to me is definitely a hippa violation and that it was fraud. Since then I spoke with the XXXX and was told to send in certain information of mine verifying my identity and I placed a freeze on all of Credit reporting bureaus.
Complaint sub-issue: Reporting company used your report improperly

Equifax is reporting 40 accounts are open when the accounts are closed. These accounts are paid. The 40 accounts have deducted XXXX points from my XXXX  score. Equifax continues to report these accounts as derogatory and they are not which hinders my XXXX  score from ever increasing and keeps it in a negative status. These accounts have been stuck with this since 2017 to present.
Complaint sub-issue: Can't close your account

On  X/XX/2017    I applied for  a Citi Double Cash cred it card and was approved. On  XX/XX/XXXX  I received a voicemail from someone claiming to be  the Citi fraud  department stating my card had been stolen and I needed to return their call ; however, when I Googled the number that called me it said it was a scam and not to call the number back. At this point I still had not received my card or been able to activate it. I finally received my card in the mail on  XX/XX/XXXX and attempted to activate it on  XX/XX/XXXX . When speaking with the  Citi represen tative she requested I give her my cell phone number so they could send me a text to confirm it was me ; however, she stated the text message would not go through and requested another number, I gave her my husbands cell phone number which also could not go through. At this point she requested I give her another credit card number (  16  digit card number ) and the balance of the card, I refused to provide this information because there are many other ways to confirm someone 's identity. The representative did not give me any other options and would not get a supervisor to assist me in opening my card. I have called at least 5 times in the pa st two days to t ry and speak to someone who will assist me in opening the card and immediately closing it. Every time I call they tell me that a supervisor will call me in  24 hours ; however, it has been over 24 hours since I called and I have not received anything. It is beyond frustrating to deal with Citi and all I want to do is close the card.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   GRP LL ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX   XXXX and XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform that there is no third party involved in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$820.00}
Complaint sub-issue: Problem with fees charged

I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XXXX of XXXX Carmax Auto Finance sent me a bill which is a violation of 15 USC 1692b. 

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. In this transaction there was a cash down payment which CONGRESS said pursuant to 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer credit transaction and is ILLEGAL. 

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 ( 5 ) a finance charge should include premium or other charge for any guarantee or insurance protecting the credits against the obligors default or other credit loss. I have been paying separate insurance for this vehicle and that is a clear violation. Check my consumer credit sale contract and you will not see my insurance involved in my finance charge.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX # XXXX****The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX .

failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXXis held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : CB/XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX DSNB MACYS  XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We disputed charges with Home Depot for over 3 years and finally they just wrote off the account in XX/XX/XXXX with out fixing it, then it affected my perfect credit report and for the 4th time asked that it be removed from my report. Now its with a credit collection agency. This is horrible and during Covid-19 I have been turned down for credit. All I'm asking for it be removed from my credit report. It is the only negative item on my report. Please help!! I have sent this attachment to Home Depot, Citi Bank, and XXXX XXXX many times
Complaint sub-issue: Their investigation did not fix an error on your report

This XXXX is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}
Complaint sub-issue: Debt is not yours

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ERC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ERC Account XXXX : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ERC Account XXXX : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Complaint sub-issue: Reporting company used your report improperly

Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit A for XXXX XXXX Account number XXXX. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC, 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 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. Has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 and XXXX XXXX, I filed a dispute with XXXX, XXXX and XXXX in regard to inaccurate information on my consumer report. On both occasions, I never received any correspondence from either agency.
Complaint sub-issue: Frequent or repeated calls

This is from an XXXX Service. They have called many times ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been calling twice a day. I do n't answer, but when my machine picks up, they hang up. The number is XXXX. I am not sure if this is collections and they have the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

Equifax TOLD the CFPB that they deleted an unauthorized inquiry from my report. But when checking my report they in fact did NOT delete the inquiry as they claimed. Meaning they lied to the Consumer Financial Protection Bureau and lied to ME the consumer!
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I have been trying to link this account to several different money service apps I have. But have yet to be able to get any of them to connect up correctly. I need to go to the bank personally and see if I can get an account with checks. Ive been told that is what I have to do.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There are a few items on my credit report, that are 7 years older or more ... quite a few of them are 7 years and 6 months -- almost 12 years old. These I feel are well beyond the legal timeline to still be reported on my credit report, yes things typically fall off after 7 year 's .... 

XXXX & Equifax BOTH have NO OPTION to select as the reason for removing something as " too old to be on credit report ''. And XXXX especially gets to decide when you as a consumer can challenge something to be removed if you did so, once in the past. How is this their call over what is my credit report? If I want to dispute something each month, that really should be my decision. BUT, if something is too old to be there, why is that not an option to be selected? 

XXXX to their credit has this exact reason as an option, which should be required of all 3 credit bureaus. 

XXXX makes it extraordinarily difficult as this isn't an option that can be selected online of through their app. And no matter how many times you select " Other '', write in the reason, and state why something should be removed, you're stonewalled because they don't let you dispute any further. Why are they allowed to make this difficult for the consumer? If the FCRA law is deleted after 7 or 7.5 years, there should be an easier way to hold them to that standard, because then if that information is supposed to be deleted then the report can not be entirely accurate.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/2020. I called and filed a dispute on the account. I never received notifications and the originator XXXX XXXX XXXX stated they could not provide information.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting three accounts with 30 day late comments. All my accounts are paid through auto bank draft before the due dates. I have thousands of payments all made on time because I use this method of paying my bills. I requested they correct these accounts to be marked " paid as agreed '' never late but they have not corrected the issue. 

XXXX XXXX XXXX shows a XX/XX/XXXX 30 days late XXXX XXXX*** shows a XX/XX/XXXX 30 day late and XXXX/ XXXX  shows a XX/XX/XXXX 30 days late. 

All these accounts were paid on time like everything else on my credit file.