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

I received a call on XXXX/XXXX/2015 at XXXX from a collector at JVS Group XXXX a collection company ). He may have told me his name, but I do n't recall hearing it. I submitted disputes to the credit bureaus and also directly to this company on a debt I allegedly owe. I wanted to get validation before I pay the debt as I am allowed under the FCRA, FDCPA. I was told over the phone by this gentleman at JVS Group that I had to talk to him on the phone since the account was disputed, per the law. That is a lie and that is not required under any Consumer Law. The same person also told me that the account was with the clinic, but I never was at the clinic he claims I was, but I did go to the hospital. That same person said he had pictures of me at the clinic, which I took as a threat to pay the bill. The phone call ended, which I believe was because he hung up on me.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX : account number XXXX XXXX XXXX XXXX : account number XXXX XXXX XXXX XXXX XXXX : account number XXXX -XXXX XXXX  : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my written my instructions.
Complaint sub-issue: Problem accessing account

I reached out to citi for some via XXXX for some addresses of citi and citi fax numbers. They told me to call in. I requested that they give it to me call in. I requested it be sent to me via XXXX for reasonable accommodation for my XXXX. They ignored that and told me to call in. 

I'm not asking for private info that should be sent securely. Just an phone /fax/address of a certain citi department XXXX
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 XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2018, I paid online for a scooter from a company called XXXX XXXX based in XXXX. I used my Citibank credit card thinking that the advertised purchase protections would cover my back if the merchant was dishonest. The purchase amount was over {$1500.00}. After making the purchase the company tried to upsell me and I refused and asked for a refund since the merchant refused to ship the product to me. They indicated they would issue the refund on XX/XX/2018 but never did. I contacted Citi on XX/XX/2018 to handle the situation. They provided a temporary credit. After waiting almost two months, Citi sent me an email on XX/XX/2018 indicating that there was a letter for me to review. The email made no indication that I had to provide anything. I logged into their website and downloaded the letter which was a letter from the merchant asking their bank ( not Citibank ) to not charge additional fees on top of the chargeback that Citibank instituted. The merchant did not contradict any of my claims and further indicated a desire to issue a refund. Although Citibank 's message to me did not indicate a need to respond, apparently they prepared a second letter, that was not clear from the message, that requested I provide a signed letter in response to the merchant 's message even though the merchant agreed with my claims. They provided no guidance as to what should be in the letter since the merchant was agreeing with me. Citibank gave me only one week to respond and I didn't know I had to respond at all since no additional information was requested. The next month Citibank reversed the credit and left me with a {$1500.00} charge and no product. I called to inquire and they said my time for a dispute had expired and there is nothing they can do. They were the ones that chewed up all the time and yet I'm stuck with no product and a large charge. I complained that their communication to me did not indicate a need to respond since the merchant agreed with my claims. They proceeded to hide behind statements of policy and tried to blame Visa for the restrictions. But Visa didn't take a month to respond. Even though Citibank claimed to have " investigators '' looking into the issue, they didn't investigate anything that resulted in my getting my money back. 



Their claim to have purchase protections for consumers is simply false. I had a problem with a chargeback with XXXX XXXX a few years back and it was amazingly simple to do and resolve. But Citibank seems to want to cloud the issue with inaccurate stories and claims of restrictions on what they can handle. They shouldn't advertise purchase protections and then run the clock out just so they can claim the time period is expired.
Complaint sub-issue: Can't close your account

XXXX XXXX called Citibank. After receiving no help, asked for a supervisor. She said that I should have funded this savings account. I explained that some time ago, the agent on the telephone instructed me to transfer {$25.00} from our checking account to keep the account activated. I did this but this supervisor said it had to funded from a debit card. 
This supervisor instructed me to write a letter to Citibank asking to reactivate the account so that I can transfer funds out and close it. 
Mailed the letter with all of the requested information on XX/XX/XXXX. As of today, XX/XX/XXXX I do not have my money. I can not transfer the money out as it remains deactivated. I did not receive anything in the mail from Citibank. Online it did state that they received my letter but are investigating. 
They have held my money XXXX for almost a month!
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/XXXX - -purchased new refrigerator from Best Buy for {$2300.00}. Best Buy offered me {$200.00} to open credit card and purchase new refrigerator using card that is backed by Citibank. 
Received new card and activated on XX/XX/XXXX - registered online to set up e-statements. Notice there as an additional charge $ {$1.00} from some parking garage in another language charged to card/account on XX/XX/XXXX. Called number on card to report. They mentioned that there was another charge in the amount of {$95.00} from XXXX XXXX XXXX and asked if i made that purchase. I told them I did not and again, reminded them that I just received the card and activated it. They asked me multiple times if I made this charge or if anyone with access in my household made these charges and the answer is no. I reminded them again that I just received the card/activated. They opened investigation and said it would take 7-10 days for full investigation. When I looked at the account the following day, the charges were made in XXXX. I live in Pennsylvania. 
I called company again on XX/XX/XXXX because there was a notification online that there was an issue with my account. When I called, they had trouble verifying me because I wouldn't provide my social security number and my cell phone was only added to my account the other day. They finally verified me by calling my home number and the issue was just that my card was closed and a new one was on the way and the investigation is still pending. 
Somewhere along the line, my information was comprised between my initial purchase and my card being sent to me.
Complaint sub-issue: Information belongs to someone else

XXXX is violating the Fair Credit Reporting Act by not removing fraudulent items from my credit report. The following items are as follows : XXXX XXXX XXXX, Balance : {$21000.00} and XXXX XXXX, Balance : {$14000.00}. I have filed a dispute with XXXX and they have yet to block the fraudulent items from my credit file and is violating the FCRA. Please have these items removed immediately, due to identity-theft and fraud
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT FOE YEARS SOMONE HAS BEEN USING MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXXand XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

I have not applied for any new lines of credit or installment loans. I need these inquires removed from my credit file. As well, send verification document that was used to apply this to my credit file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TYPE XXXX XXXX XXXX DATE OF INQUIRIY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Complaint sub-issue: Trouble with how payments are being handled

I have had an IBR on file with the XXXX XXXX XXXX website since XX/XX/2007. The loan servicer has refused to acknowledge or honor the IBR on file, rather demanding that I submit individually to them, then not acknowledging receipt.
Complaint sub-issue: Account terms

On XXXX I checked my Equifax report ( XXXX see attached ) and noticed an account called XXXX XXXX Account # XXXX, which is furnishing information which is erroneous on my credit report. I then contacted XXXX by letter dated XXXX which I 'm attaching to this complaint. I filed the dispute with Equifax on the account but Equifax claims they verified the information. If you notice in the attached report, the information attached to this account is woefully insufficient. There is no scheduled payment amount, no actual payment amount, no amount past due, no balance amount, and most importantly no date of last activity. How can Equifax be publishing information that is negative to my credit from a company that supplies almost no information related to the account. This is a violation of the FCRA. I dispute this account in its entirety and want it removed from my credit file.
Complaint sub-issue: Debt is not yours

Last XXXX I contacted XXXX and informed them that on XX/XX/2020, the debt they had assigned to yet another debt collector had been assigned as part of my divorce settlement to my ex-husband as his debt. I provided the collector with a copy of the divorce decree via certified mail and they lost it in XXXX XXXX XXXX. The debt continues to be placed from agency to agency to keep it new and hitting my credit. I have told them not to contact me and that I was not responsible for the debt.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX XXXXXXXX XXXX {$56.00} XXXX XXXXXXXX XXXX {$38.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}
Complaint sub-issue: No notice of investigation status/result

I sent a certified letter to equifax over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,XXXX, I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section XXXX XXXX a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA XXXX all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me.
Complaint sub-issue: Problem with personal statement of dispute

I still got closed accounts on my credit from a Unknown payment status the date opened was XX/XX/XXXX with a past due balance of XXXX dollars. The other account is from a Unknown payment status the date opened is XX/XX/XXXX with a past due balance of XXXX dollars. XXXX XXXX is also an closed account from XXXX that I am unaware of I never had XXXX XXXX in my whole entire life. I got a collection account that is derogatory with a balance of XXXX dollars that was in XXXX. My last closed account is also a derogatory with XXXX XXXX date was opened in XXXX I need all of this removed off my credit now
Complaint sub-issue: Debt is not mine

On XXXX XXXX, 2015 I submitted a complaint through your office against Enhanced Recovery LLC for a collection of a XXXX account placed in my credit record under the name of XXXX XXXX in an address in North Carolina ( See CFPB Case number XXXX and XXXX ). Enhanced Recovery LLC responded the dispute on XXXX XXXX 2015 alleging:1 ) Investigation of my dispute was been completed2 ) that my social security was associated with the account and that cable services were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina ( I have never been in North Carolina ) 3 ) that the account with Enhanced Recovery has been closed due to my dispute4 ) that a deletion request to ALL reporting agencies was submitted. 
However, as of today, Enhanced Recovery LLC has not been able to provide me with evidence such as copies of contracts or documents confirming that I contracted with XXXX in North Carolina. Also, I never received any letter stating that an investigation of my dispute was completed. 
In addition, Enhanced Recovery LLC never closed my account. As of today, a collection report remains in my credit record. 
I request Enhanced Recovery LLC to validate this alleged debt by providing evidence, such as contract or any document with my signature proving that I contract services with XXXX in North Carolina. Also I further request this collection company to contact all XXXX credit agencies and inform I am disputing this debt.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to XXXX. I have been actively disputing this with the credit Bureaus for months now. Upon talking to XXXX  on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the XXXX  representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.
Complaint sub-issue: Personal information

There are XXXX other addresses not associated with me and names
Complaint sub-issue: Information belongs to someone else

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX XXXX ... They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax by certified mail three items ( mailed : XXXX, XX/XX/XXXX, & XX/XX/XXXX received : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX respectfully ) requesting an investigation into some inquires that were in dispute. I received responses claiming they were factual within days of sending these letters. In the last letter I requested a deletion unless they could provide any documentation they collected from the investigation and was provided with nothing except the same " verified as factual '' response form letter I do not believe a thorough investigation was preformed because of the quickness of their response and the complete lack of any supporting evidence. Also, I sent similar letters to XXXX and XXXX disputing the same inquires on the same date ( XXXX ) and they have yet to respond but Equifax was able to respond thrice in the same amount of time. This leads me to believe they relied on an automated system to respond to my disputes without doing any due diligence and are in fact unable to provide any verification.
Complaint sub-issue: Account status incorrect

Hello! 
My credit report from XXXX, Equifax, and XXXX all reported 9 delinquent charges from the same collection company : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX The flag/delinquencies are FALSE. I took care of these bills directly with the hospital XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was after I filed for finanical assistance and received 100 % discount from the hospital as noted in the attached letter to this file. I submitted this letter to XXXX the collection agency, who informed me the charges would be closed. Yet I come to find out today, as of XX/XX/XXXX this collection agency STILL reported 9 hits agaist my credit score for the same account, deducting my credit score by 120 points. ( Went from XXXX to XXXX credit score in less than 30 days ). 

This is DIRECTLY EFFECTING my ability to purchase a home that I am currently under contract for and my ability to get the loan my mortgage lender has submitted for me. I can not have this false reporting negatively impact my future. Please help.
Complaint sub-issue: Account status incorrect

I settled the XXXX XXXX XXXX with collection account number XXXX XXXX XXXX XXXX. This account has been paid in full.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because equifax has ignored my request to provide me with the documents that were used to " VERIFY '' the account I disputed because they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to delete all information that can not be verified, that I have disputed. Thank you for your prompt attention to this matter.
Complaint sub-issue: Public record information inaccurate

My name is XXXX XXXX My social security number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX XX/XX/1969 my complaint is that there's a judgment on my equifax credit report from XXXX XXXX the credit reporting agency unlawfully report this fraud item on my equifax credit report. Judgment s no longer and tax Leins don't suppose to report on my credit report that applies to all consumers
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 are the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX 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: Their investigation did not fix an error on your report

I filed a claim with the cfpb against XXXX XXXX XXXX XXXX XXXX in 2020, XXXX XXXX XXXX XXXX XXXX is reporting a debt that doens't belong to me and it furnished an address to my credit report that doesn't belong to me. I filed a identity theft report and the information was never blocked from reporting on my credit report, which is a violation. I am requesting that these items be removed from my credit report immediately. attatched is the documentation that should support my claim. I am having difficulty applying for a mortgage because of this fraud account that still reporting on my credit report. XXXX  and XXXX  has already removed this item from my credit file and I am waiting for equifax and XXXX XXXX XXXX XXXX XXXX to do the same.