Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

AFNI INC has place derogatory information on my consumer credit report harming my reputation. I DO NOT HAVE AN AGREEMENT WITH AFNI INC, AFNI INC WAS NOT AND NEVER WAS PARTY TO ANY AGREEMENT ON BEHALF OF OR BETWEEN ME THE NATURAL PERSON AND ANY OTHER PERSON., I never gave them permissible purpose pursuant to 15 USC 1681b ( 2 ) to furnish any information on my credit report, nor was I notified about this alleged debt. AFNI INC, is in violation of the FDCPA and my consumer right to privacy. This is active identity theft. No written notice was received within five days of the initial communication as the first communication received from this debt collector was on my consumer report. Therefore this debt is unverified, does not follow the requirements and is a violation of 15 USC 1692g. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt pursuant to 15 USC 1692e. AFNI INC furnished derogatory information on my consumer report creating a false belief that I am contracted with the and owe a debt. Pursuant to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. In accordance with 28 U.S. Code 3002 ( 1 ) ( B ) AFNI INC. is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 USC 8 on behalf of the United States and otherwise would have no rights to collect.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the FCRA, the credit bureaus refuse to follow the FCRA. I have sent letters and disputes to fix this ongoing problem. None of these accounts are accurate or or correct and must be remove or fine in accordance with the FCRA. Acct. # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX, XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 SEC 604A states I have the right to privacy. 15 U.S.C. 1681 SE 604A SEC 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681b states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 U.S.C 1861i ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 15 U.S.C. 1861i SEC ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( 6 ) Notice of results of reinvestigation ( A ) In general U.S.C. 1681i SEC 6 ( A ) A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. U.S.C 1681s-2a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Complaint sub-issue: Didn't receive advertised or promotional terms

The XXXX washing machine that we purchased on XXXX has a severe washer cycle dysfunction when the '' heavy cycle is needed. A repairman came out two times for that same problem. The agitator makes this large unbearable noise while it is suppose to be washing, then the rinse cycle goes on for another hour, using excessive amount of water, then it takes all day to drain, then it cycles again. My wife and i went out to the store in person XXXX XXXX NC, and we were told, that the repairmen must come out to see and that it is stated in our Warranty, it is nowhere in the warranty it states any 3 time repair rule. On XX/XX/XXXX, a rude customer service agent named " XXXX '', Gave us an ultimatum, " the repairman has the last decision. We asked to talk to the manager, and she said FINE! - she is not here today. but here is her name and number " XXXX XXXX XXXX it is a general store number. That is how deceitful they are.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute over 30 days ago and have not heard nothing
Complaint sub-issue: Account information incorrect

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, Equifax, and XXXX XXXX. Thank you!
Complaint sub-issue: Debt is not yours

XXXX XXXX is trying to say a simple clog cost over {$4000.00} in damage, their repair guys said it was the pipes and not the clog, XXXX XXXX is going after me anyway. Hunter Warfield bought my debt from XXXX XXXX and is now harassing me and ruining my credit trying to get as much money out of me as they can. No one is getting a dime from me, the debt is illegitimate, and Hunter Warfield needs to cancel it and move on.
Complaint sub-issue: Attempted to collect wrong amount

I applied for credit and found out that there is a collection on my credit report i called the company AllianceOne Receivables Management Inc. the girl on the phone looked up the account it was for a ticket in XXXX Wa. she said all I have to do is pay the {$130.00} so I gave her my debt card number and payed it, she the said it would be reported to XXXX XXXX as soon as the payment cleared and should reflect on my credit report in 15 days this was on XXXX/XXXX/15,, on XXXX/XXXX/15 i checked the credit report to find that AllianceOne had reported to XXXX XXXX that the debt is now {$240.00} I filed a complaint with XXXX XXXX about then taking my money and now reporting it correctly, and they said AllianceOne had no recored of my making a payment and closed the report, on XXXX/XXXX/15 I got a letter from AllianceOne asking for proof of payment so i sent it to them, then a week later I called and they told me never got it so today I went down to there local office and told the girl at the counter I was having a problem with a payment she looked it up on her computer and tells me that there is no record of this payment with my bank statement showing I made the payment in her hand says I will get the supervisor to look at it,, a hour hand a half later this woman come out and tells me that the payment went to the wrong account and makes it out that it my fault they credited the wrong account and stared giving me a hard time telling me that they will get round to it and someone will call me when they figure it out?,, all 3 of the costumer services reps at the counter were very rude and were laughing and making jokes that I was stupid if i thought they cared if my account got looked, at so i snapped 2 pics to document i was there so they ca n't say we have no record of it, ,then a few hours later i get a call that i caused a a disturbance in there office and not to come back or they will call the police, the building security camera will show i did not make a scene as he stated on the phone that i did
Complaint sub-issue: Personal information

Hi Equifax and CFPB On several Occasions asked for my phone number to be updated and any old numbers to be removed, I all most lost my XXXX phone because they could not go forward due to my phone number not being correct on my Credit fraud Alert. Please remove all old numbers and add My Current Number XXXX This is the number to be listed. Please again remove the Old one you have listed in the Alerts. 
Thank you.
Complaint sub-issue: Account information incorrect

XXXX, Equifax and XXXX  is reporting inaccurate information on my credit. They are reporting inaccurate dates of last activity and re-age dates. FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX a payment was made in the amount of {$570.00} to a merchant called XXXX XXXX XXXX XXXX. I purchased a 13 hour massage package that had no expiration date, which I had previously purchased several times before. On XX/XX/XXXX a dispute was filed with Discover Card regarding the abrupt closure of the company. All necessary steps were taken to provide proof that the merchant went out of business. I provided screenshots from other XXXX members regarding their similar situations, and I provided a copy of the Notice of Abandonment Civil Code Section 1951.3. On XX/XX/XXXX I was apparently sent a notice regarding the decision to favor the merchant. However, I do not recall receiving it so I found out today after looking through my statements and unable to find out any information from my current account on XX/XX/XXXX that it was ruled in the merchants favor because Discover was unable to dispute the charges.
Complaint sub-issue: Problem with rewards from credit card

Citibank was fined {$400.00} XXXX in XXXX, XXXX for money laundering by the Office of the Comptroller of the Currency ( OCC ). In an amazing coincidence, my Citibank Costco XXXX card was cancelled near the peak rewards period one month later. 

Citibank abruptly canceled my Costco Citibank XXXX XXXXard on XX/XX/XXXX due to a negative XXXX credit report for an unrelated {$300.00} disputed bill that went to collections for a XXXX account that was paid in full a month later. 

It is important to note that I had a spotless payment history with Citibank, perfect credit prior to this dispute, and was a Costco customer in good standing for 15 years. Costco could not understand why my card was cancelled. I sent multiple letters to Citibank explaining the situation ( unforwarded billing due to an address change ) and never received a written reply. I received a denial of credit renewal from Citibank on XX/XX/XXXX and was told my Costco voucher of accumulated points in the amount of {$410.00} will be forfeited and I would receive nothing. 

I wrote a letter on XX/XX/XXXX to Citibank explaining the situation in full and that I wanted my cash credit voucher sent to me in full. I further explained that this whole situation smacks of Citibank unduly leveraging small, unrelated credit incidents into a profit-making enterprise by denying elderly customers their rightfully earned reward cash benefits by an aggressive for profit card cancellation policy. 

I received an unsigned form email on XX/XX/XXXX stating I would be contacted shortly. On XX/XX/XXXX a Citibank Customer Service representative XXXX called to state that Citibank would not be issuing my cash reward. 

I would appreciate it if your Agency would investigate this. 
Respectfully, XXXX
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX and XXXX XXXX who I believe to be the same person have called my place of employment attempting to collect a debt for a pay day loan. They call about every XXXX minutes. Calls started on XX/XX/XXXX. I have informed them that i did not receive a payday loan and yet they continue to call and harass me and my coworkers. After reviewing my bank statements from XX/XX/XXXX, I did not receive a paydayloan. it is possible that I applied for one.
Complaint sub-issue: Information belongs to someone else

I sent Equifax my identity theft report and police report of the erroneous accounts. I never received a updated credit report. Nor was the items investigated.
Complaint sub-issue: Other problem

This is a problem with a Sears Card that I have had for 30 years. When I was married to my xhusband Sears allowed him to charge without my consent over 5000 in tools. When we separated and finally divorced the account was only in my name and I was left paying off the balance, which I have now done. I was offered a settlement amount that was {$400.00} less than the amount I paid to close the account out. I asked only that the late fees we waived in the amount of {$140.00} and they are now refusing to waive the fees. At this point I want every receipt that they allowed him to sign for to be returned to me if they can not zero this account out.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a XXXX XXXX XXXX with XXXX XXXX I need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I am a consumer as identified in the FDCPA under 1692a ( e ) an I have the right to privacy pursuant to 15 USC 1681a ( 4 ). This identity theft pursuant to 15 USC 1681 ( 3 ). I understand pursuant to 1681c ( 1 ) you have the authority to decline or rescind. This information I am presenting is requested in an affidavit of fact so there is no misrepresentation of the fact.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to US Bank resulting in a fraudulent credit inquiry on my XXXX credit report from US Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent US Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both US Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. US Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent US Bank inquiry removed from my XXXX credit report. The date of the fraudulent US Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by US Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with US Bank.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I sent a certified letter to VW Credit which was received on XX/XX/2022. I asked them to show documented proof that the repossession account listed on my credit reports belongs to me. It has been over 30 days and I have not heard from VW Credit at all. This is unacceptable! To ignore a consumers dispute and not respond at all is a direct violation of the Fair Credit Reporting Act 1681 that unequivocally states within 30 days the reporting agency shall investigate or delete the item ( see attached law ). Since VW Credit ignored my dispute and violated the Fair Credit Reporting Act, and violated my right as a consumer, I want this derogatory repossession account immediately deleted from my credit reports ( XXXX, XXXX, and XXXX ) as stated in the FCRA XXXX!
Complaint sub-issue: Card was charged for something you did not purchase with the card

Card was charged for something without my authority, merchant sent a copy of their invoice ( which is CLEARLY not mine ) and yet the credit card company reversed the charges.
Complaint sub-issue: Reporting company used your report improperly

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
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 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 EQUIFAX XXXX XXXX
Complaint sub-issue: Debt is not yours

On or about XX/XX/XXXX, I received notice that some information changed on my credit report from XXXX. I immediately contacted XXXX, to see what this was all about. It appears that a private school by the name of XXXX XXXX XXXX XXXX, claimed that I had an outstanding obligation in the amount of ( {$2000.00} ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dollars. I filed a dispute with XXXX, because I knew that this wasn't my account and it was incorrect because the school closed its doors in XXXX, and changed its name to XXXX XXXX. After the debt validation period with XXXX they removed this fraudulent matter off my consumer credit file. Next, On XX/XX/XXXX the mattered re-appeared on my consumer credit file again ; this time it was a different collection agency., TekCollect, out of XXXX XXXX OH. I contacted TekCollect directly to inform them that this was an improper collection and the account had been removed previously as did not belong to me, and requested that they delete this from my credit file and I would be sending them a request in writing. I further explained to TekCollect, the violation my rights under FCRA ,15 U.S.C. 1681 and the FCRA, the Furnisher Rule 12 C.F.R. 1022.40-1022.43. TekCollect, has engaged in " Debt Parking or Passive Collection '', tactics here. They placed this collection on my consumer credit file first with XXXX, and XXXX. on XX/XX/XXXX and then mailed me a demand letter on XX/XX/XXXX. I have brought this to the companies attention ; along with the fact that this is not my account no response from TekCollect. I sent a certified debt validation letter, demanding a removal of this account from my consumer file and copies of all sign contracts here - no response. I'm a single father of XXXX children, and can't afford to have my consumer file damaged like this. I have been in contact with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; and they indicated to me that the school closed in XXXX and became XXXX XXXX, which closed in XXXX, and they have no unpaid invoices in my name. Lastly, TekCollect Inc. XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX @ XXXX, needs to be stopped from engaging in these type of unethical practices. 
TekCollect Inc. Has placed this matter on my consumer file under the reference number of XXXX ; and when you call them they say this number is not a valid account number for their company. The XXXXXXXX XXXX XXXX XXXX, also indicate this isn't a valid account number for their organization as well.
Complaint sub-issue: Public record information inaccurate

My identity and personal information has been stolen. Multiple unauthorized accounts have been opened without my permission or knowledge.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX listed twice. According to report I was given another credit card with company when Id defaulted on first. Makes no sense. I only had one card and its past the 7 year mark. My report was also changed to XX/XX/XXXX when it originally said XX/XX/XXXX for deletion. Now both accounts have same deletion date which doesnt make sense either.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a US Bank Reliacard that I did not request. Document states it is for payment of unemployment benefits which I did not apply for and do not want. I am retired and not entitled to any unemployment. I have made several phone calls to the numbers provided but was on hold for an hour or more. Then when I did finally get to talk to a real person and told her what I wanted to do, she said she'd transfer me to the fraud department and after another 20 minutes on hold I was disconnected. There were 2 other numbers, one for activation which I did not call and the other phone number provided was not in service.

The paperwork that came with the card said if I did not request it, to submit the attached form, but the form did not include an option to submit. I opened the address they provided for submission, XXXX but it was not an email address and had no further option to send the form.