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

In accordance with Fair Credit Reporting and the following accounts below 15 U.S.C 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX  {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX {$89.00} XX/XX/XXXX XXXX XXXXt {$160.00} XX/XX/XXXX XXXX XXXX  {$160.00} XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I made an online purchase from " XXXX  XXXX  XXXX   XXXX XXXX '' for a replacement engine ( 3.3 liter ) for my XXXX XXXX XXXX. On XX/XX/XXXX I contacted Citi Credit Card services to put a hold on this charge as the merchandise had not been delivered, claim # XXXX. On XX/XX/XXXX a delivery of an incorrect item was delivered to the dealership responsible for completing installation. I was notified by the dealer that a 2.7 liter engine for a XXXX XXXX XXXX was sent in error. I contacted " XXXX XXXX XXXXXXXX XXXX XXXX '' and was informed they did not have the correct part I needed in stock and could not give me an estimate of when one would be available. I told them that I would need to look elsewhere for the part as I had no vehicle to drive and asked them to refund my payment and they refused. I contacted Citi Credit Card services and made them aware of the above transactions and to issue a full refund. Citi contacted the vendor and was supplied delivery documents for the incorrect part and refunded the vendor anyway. I contacted Citi Credit Card services by registered mail and by phone numerous times asking for an explanation for their actions and proof that the vendor had satisfied the dispute with documentation. I was told that they would investigate and send me documentation for their actions but only received letters saying the dispute was closed. I have been a Citi Credit Card services customer for 28 years and the first dispute I file is totally mishandled and I am expected to pay {$2100.00} for merchandise I did not receive.
Complaint sub-issue: Information belongs to someone else

While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract.

2. XXXX  {$540.00} ive never done business with this company were answered into a signed contract.

3. XXXX XXXX XXXX XXXXl ( XXXX XXXX XXXXr ) {$160.00} ive never done business with this company or entered to assign contract.

4.XXXX  {$1200.00} Ive never done business with this company or entered into a signed contract.

5. XXXX XXXX$1700.00} Ive never done business with this company or entered into a signed contract.

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX The following inquiries are fraudulent 1.XXXX XXXX  XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX Please See Attached FTC Report
Complaint sub-issue: Attempted to collect wrong amount

FIRST PROGRESS CARD opened : XX/XX/2016 ( 3 yrs, 8 mos ) Please note : all the accounts have been closed and reported as collections. 

The debt collector is FIRST PROGRESS CARD, XXXX XXXX XXXX XXXX XXXX Original creditor FIRST PROGRESS CARD Original creditor I got a card that had a limit of {$200.00}, they charged me {$2.00} which put it over the limit of {$200.00}. 
Over the 2 years i have had it has stay een though it is under the credit and is on all my reports. 

Open balance This account has been on my credit for years even it is under my cratit file, i have had it removed many times, buy they keep putting it back on. 


{$180.00} which includes the limit fee which started all this. 
in my opinion it should be no where near {$180.00} since i did not go over the {$200.00} card limit. 
Thank you for your time and stay safe.
Complaint sub-issue: Account status incorrect

Was giving retroactive forbearance and still had XXXX days XXXX day XXXX days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.
Complaint sub-issue: Problem with personal statement of dispute

Yes I have an Complaint filed to your complaint services starting back in XXXX of 2019 under my email address of XXXX .My name is Mr XXXX XXXX XXXX XXXX I also had XXXX XXXX  Ultimate Protect Package with All Three Credit Buruea ' s can I Have My Complaint add To the Eqafex settlement. Claim number # XXXX I also had added a Credit Freeze to my Identity in XXXX of 2019 with XXXX  and Had to close my Account in XXXX of 2019 because of Withdrawal From my Bank Account that Was Taken because of Data Errors.
Complaint sub-issue: Received bad information about your loan

XXXX promised me in 2008 that I will secure a career and 90 % + will secure a job placement in the first 6 months. The loans would be a small part to pay compared to the big outcome.
Complaint sub-issue: Account status incorrect

This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Complaint sub-issue: Their investigation did not fix an error on your report

Pursuant to the Fair Credit Reporting Act U.S. Code 1681s-2, you have a duty to provide accurate information, and you are prohibited from reporting information with actual knowledge of errors.I, the consumer, have previuosly notified the consumer reporting agencies ( Equifax, XXXX & XXXX XXXX about the erroneous reporting via the following : certified mail starting on on XX/XX/XXXX and via previous " multiple '' CFPB complaints ... as well as the CFPB complaint filed on today, XX/XX/XXXX. You are electing to continue to violate my consumer rights. 

Pursuant to FCRA U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting Pursuant to FCRA U.S. Code 1681s-2- the information is in accurate Pursuant to the FCRA U.S. Code 1692e- the information is false and misleading Pursuant to FCRA U.S. Code 1681b-I did not give written permission to furnish this information
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/XXXX a collection from 1st progress/XXXX XXXX appeared on my credit report dated XX/XX/XXXX. I disputed the item because I had no knowledge of the account. The account was then updated to paid/closed. Last year XXXX and 1st Progress started to report the account as delinquent and each month since then the account is reporting charge-offs even though the account says paid/closed. I tried to dispute the account again as it is almost 8 years old, but XXXX will not allow me to stating it was disputed in XX/XX/XXXX. They have now updated the account to show 64-charge-offs since XX/XX/XXXX and it has drastically reduced my credit. I went from a good score to poor because of this account. I have no way of disputing it and the account is well past the time allowed to remain on my credit profile. XXXX is the only credit report showing this unknown debt and each month reports it as a past-due payment.
Complaint sub-issue: Information belongs to someone else

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Complaint sub-issue: Investigation took more than 30 days

Ive been a victim of identity theft. Please help me understand how Equifax is investigating this matter. Other credit bureaus have deleted items. Equifax says they verified, how can they verify this. My credit report hasnt been updated in about 60 days. Per Fcra they have 4 or 5 days to block information from my report, I believe I read. Again Equifax is the only bureau how hasnt deleted fraudulent items. I believe I will have to file a complaint with FTC and hire legal counsel, because this is a violation. Please see attached FTC Report and proof of identity. The following accounts are XXXX XXXX {$500.00} XXXX. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} 3 XXXX  XXXX  XXXX {$610.00} Ive never done business with these companies or entered into a signed contract. Please Delete
Complaint sub-issue: Their investigation did not fix an error on your report

Went through a loan modification in XXXX with XXXX XXXX XXXX. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
Complaint sub-issue: Debt was result of identity theft

On or about XX/XX/2020 I learned about an account that I don't recognize that is listed on my credit report ( s ) i then contacted the company that place the item for collection and now is currently reporting the derogatory and negative information on my XXXX, XXXX XXXX and XXXX  Credit Report ( s ). The company mentioned an address that I do not recognize and a different name however the account doesn't belong to me and wish to have this item removed from my credit report as it is not valid and is being reported as a result of misinformation, fraudulently as per the FCRA, FDCPA.
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I received a call from XXXX XXXX XXXX on XX/XX/XXXX at around XXXX in reference to an old online payday loan from XX/XX/XXXX. The lady that I spoke to first was XXXX XXXX, and I demanded her company and phone number because they called me on my office phone at my job. She politely gave me the information and she could not tell me the information because the documents were sealed. XXXX XXXX sounded nervous and unsure as she placed me on hold to speak with XXXX XXXX.This man did not introduce himself and immediately threatened to lock me up for an old payday loan. He was very rude and controlled the entire conversation even after just asking simple questions. I requested that he send me information about the loan. I never denied it but the way that he was using all of those big words and trying to fast talk me was ridiculous! He repeatedly said that I would be arrested and I currently work in law enforcement and I know that I havent done anything criminal other than default on a loan that is a civil matter and I have not been summoned to court. He quoted to me {$2100.00} and if I am picked up it would cost me {$3500.00} and I would picked up at work and post bond from jail. He also advised me that I would picked up by Marshalls and arrested and taken to jail. He also advised me of Title 18 inquisition, and a restitutional program. He then went on trying to set up a payment plan of splitting the {$2100.00} in half in to two payments or pay it over a seven month period. This is just wrong to talk to me and threaten to have me arrested is this legal Not!! Especially over an old debt!
Complaint sub-issue: Attempted to collect wrong amount

My husband paid the total amount for the services on the day of my XXXX. We never agreed nor expected more bills to show up in the mail box.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021,, XX/XX/2021.
Complaint sub-issue: Attempted to collect wrong amount

Account was opened in XXXX XXXX with XXXX XXXX for {$2700.00}, and was paid as promised. The account was sold to Aqua Finance in XXXX XXXX for {$3200.00}, which was the wrong amount. I have called company repeatedly to fix amount and they refuse. They have yet to send me an itemized bill stating the charges. I have n't paid since XXXX XXXX, and it has been in collection since then, but the amount seems to keep going up and I have not borrowed any more money from them. The account now stands at {$5400.00} as of XXXX XXXX, XXXX. I have not been informed of any new bills, they have n't contacted me. This is the wrong amount.
Complaint sub-issue: Didn't receive services that were advertised

XXXX  XXXX and more companies and people was using my identity social security number date of birth to open bank accounts get unemployment working in my name.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I wrote a letter to Equifax requesting the verification method for the Bankruptcy which is reporting on my credit report, in the letter I requested if the method of verification is not completed to remove the account from my credit report. The same date I also sent a letter to the bankruptcy court listed on my credit report requesting verification of such and I have received a response, The bankruptcy can not be verified as of todays date I have not received an adequate response from Equifax. Under the FCRA, section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification, the credit bureau must provide the method within 15 day of my request. I am requesting the bankruptcy be deleted based on the credit bureau lack of compliance with the method of verification. The letter was also sent via certified mail and I have the original receipt showing the exact date and confirmation when I sent the letter to the court and to Equifax.
Complaint sub-issue: Card was charged for something you did not purchase with the card

The instructions on the back of my credit card statement for disputing a charge state that I must dispute it in writing, to be sent to the " billing inquiries address listed on the front of your statement. '' There is no such address listed anywhere on my statement. There are three addresses listed on my statement, none of them labeled for billing inquiries. The credit card statement is from AT & T Universal Card. I've gone through AT & T 's laborious, confusing automated customer service phone system to ask them what the billing inquiries address is, but I couldn't get through.This is very frustrating and I assume many others must find this frustrating. Can someone please make AT & T properly list their billing inquiries address on their statements? Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, and Dept XXXX XXXX acct 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.
Complaint sub-issue: Received unwanted marketing or advertising

XXXX - Company has misused reports to make XXXX look XXXX! 
All in the name of the " glorious XXXX '' Contacted me Virtually & not in WRITING after contact hours XXXX violated truth in lending & fair credit reporting act
Complaint sub-issue: Attempted to collect wrong amount

I originally tried to get XXXX internet in XXXXThe technician came out to install the service as the internet was needed for at home learning. When the technician originally came out, it was determined that they could not install XXXX in my apartment due to wiring issues. I thought everything was taken care of until I received a bill from as collections agency called MRS BPO , LLC. I then learned that XXXX charged me for one month of service that I never used. I now have a collections on my account for the amount of {$52.00}. XXXX is engaging in deceptive and fraudulent business practices by charging customers for services never rendered.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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
Complaint sub-issue: Investigation took too long

I mailed the credit bureau in XXXX. It is now XXXX and they have not responded.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Don't agree with fees charged

XXXX XXXX XXXX promised me job placement upon graduating when in actuality no employer would hire me after finding out their deceptive trade practices and XXXX XXXX lied about their job placement statistics and upon signing up said that my loan was a grant instead of explaining that it was a loan