Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my kids but its getting harder now because of this. 

Inquires : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Sent card you never applied for

I don't remember apply for Citi Double Cash Card in my name on XX/XX/2018. I have filing dispute case to XXXX  and XXXX online today. I have not proof of someone uses my private information and email, too. Also sent spoof email address to XXXX today about this serious issues.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX was alerted that I was out of the country due to XXXX  and checking on my daughter who was out of the country for school. I asked that they do a temporary change of address to my daughters house in the XXXX for XX/XX/XXXXd XX/XX/XXXX. It was a emergency situation as I needed to care for her and her health. Even though I notified XXXX XXXX XXXX XXXX  of my temporary address change for both months, they never sent a bill to my new address so I wasnt aware that there was a statement balance. I contacted them about this over the past few years even providing documentation of my emergency trips and also gave them the exact days that I called so that they could pull the recording of both verbal requests. There was nothing done even as a customer for many years with a account in good standing. This is very unfair, unjust and I am very upset.
Complaint sub-issue: Information belongs to someone else

I received your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 10 complaints informing the 3 Credit Bureaus that I was a victim of identity theft. The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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
Complaint sub-issue: Debt is not yours

Jefferson Capital , LLC has sent me a letter for debt collection that is not mine in the amount of XXXX for " XXXX Business Card ''. I nd ont have any business card with XXXX, nor have I ever received any communications before this letter stating I owed any amount. 
On XXXX I asked for documentation via letter to prove this change and I have not received any information from them On XX/XX/18 I noticed the debt collection hit my credit report on XXXX. I sent another letter to Jefferson Capital to remove this collection from my credit via letter.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681. 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy. According to : 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 According to : 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: Their investigation did not fix an error on your report

I have sent several disputes in the past to have the account reported under XXXX XXXX Bank removed from my credit reports due to being inaccurate. I contacted XXXX XXXX Bank to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, XXXX and Equifax to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, XXXX nor Equifax, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Complaint sub-issue: Reporting company used your report improperly

my credit was ran by someone, I did not authorize and don't no the company this is a fraud and i need them removed from my credit report. 
XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recognize that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times.

PNC Bank is one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manger.

He refused to help.

It is unfair that they did this. It has lowered my credit score by 200 points.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2022 - charged {$1200.00} for " XXXX XXXX XXXX '' which I did not use/purchase XX/XX/2022 - U.S Bank issues provisional credit to offset that charge and starts an investigation XX/XX/2022 - U.S Bank finishes investigation and says the charge is valid and removes that provision credit I did not make this charge, and have no idea how or why it was ever charged to my card. I used a ** similar ** company called " XXXX XXXX '' back in XXXX with my other credit card card.
Complaint sub-issue: Overcharged for something you did purchase with the card

My wife and I booked a trip package including round trip first class rail transportation from XXXX XXXX, MN, to XXXX XXXX XXXX in Montana, three nights lodging, selected meals, and two tours with XXXX XXXX in XXXX and paid a deposit of {$750.00} on XX/XX/XXXX to XXXX XXXX. The amount of the deposit is what I am seeking through this letter. 

The trip we booked was deferred until XX/XX/XXXX because of COVID restrictions. We paid for the trip on XX/XX/XXXX, then upgraded our rail accommodations on XX/XX/XXXX, and paid an additional amount. Refunds for these amounts have been paid and are not included in this request. The {$750.00} deposit has not been refunded and that is what we are seeking through this complaint When we arrived at the train station in XXXX XXXX at XXXX XXXX on XX/XX/XXXX, we were denied boarding because the bedroom we had booked, and paid for, had been sold to other customers. No other sleeping rooms were available and since XXXX XXXX does not have a customer service telephone line to resolve problems encountered by travelers, we had to return to our home in XXXX, IA. 

The amount of our refund is not in question according to two representatives from XXXX XXXX  with whom I have spoken. I have made two attempts to secure the refund from XXXX XXXX  and while I have been promised prompt service by customer relations representatives, the deposit has not been refunded. Hence, I am seeking your assistance for a refund of the deposit. 

Mastercard has denied our claim since it occurred more than two years ago. The outbreak of the COVID virus resulted in the park being closed in the summer of XXXX and as a consequence we had to rebook our trip for XXXX. 

I appreciate your assistance with this matter.
Complaint sub-issue: Investigation took too long

I have been disputing my credit report with Equifax for several years to no avail. I filed a complaint with the XXXX of XXXX ( complaint # XXXX ). Concerning my XXXX complaint, Equifax 's never answered my complaint as to why their company failed to investigate my dispute within the FCRA set 30 day time period. 

XX/XX/XXXX, I sent A Demand for Arbitration letter to Equifax Legal. I frustrated and upset that I was given a reply by Equifax that my identification information did not match their records. Although I have identifying information on file with Equifax, there was no requirement ( legal or otherwise ) to send identification information with the Demand letter. This request for identification letter by Equifax represent a illegal delay tactic by their company in order for them to not follow the law as prescribed by Texas and Federal law. 

Equifax has a history of illegally keeping false and derogatory information on my credit report in violation of the FCRA and Texas Business and Commerce Code, Title 2, Chapter 20. I had disputed in detail false and derogatory information on my credit report. Each time, Equifax very quickly sent the investigation results back to me. I requested a through, complete investigation via letter in accordance with the FCRA.On XX/XX/XXXX, I sent out a reinvestigation dispute for the removal of this to Equifax via certified certificate of mailing, next day, with order tracking. Equifax received my dispute, which is confirmed on XX/XX/XXXX 

On XXXX I received via email that my dispute was received and assigned confirmation number XXXX. I had received " still processing dispute '' notifications concerning confirmation number XXXX from Equifax XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.On XX/XX/XXXX I received an email from Equifax stating they had completed the credit investigation. Violating the 30 day investigation requirement of the FCRA.I went to Equifax online dispute system to see that the same false and derogatory information still on my Equifax credit report. 

To summarize my complaint : Equifax did not conduct a thorough investigation of my disputes and of FCRA 623 ( a ) ( 8 ) ( D ) letter claims which indicates that once I send a letter to the original creditor concerning a credit file incorrectly placed on my credit report, and do not receive a response, I can go back to the credit reporting agency in order to demand removal on said file in it 's entirely from my credit report. 

Equifax failed to comply with the investigation and reinvestigation requirements in 15 U.S. Code 1681i. Equifax willfully failed to comply with the requirements imposed under the FCRA, 15 USC 1681g. 

Equifax provided my credit file to companies without determining that these companies had a permissible purpose to obtain my credit file pursuant to 15 USC 1681b. Due to Equifax false and derogatory information on my credit report, as well as incomplete investigation of my dispute claims, I have been denied credit, opportunity to receive credit, and damage to my reputation.
Complaint sub-issue: Investigation took more than 30 days

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them IMMEDIATELY.
Complaint sub-issue: Investigation took more than 30 days

I sent by certified mail disputes that were delivered on XX/XX/2019. I have attached the tracking number and verification that is was received on XX/XX/2019. As of today XX/XX/2019 I have not received any communications by mail as to the results or status of these disputes. I called today XX/XX/XXXX to inquire as to why I didn't receive the results and after speaking to 3 different people one being in consumer affairs and providing all 3 with name, birthday, social security number, current address, current car loan info, they refused to give me any information stating they were not able to verify my identity. Furthermore they wanted me to go over every line item on my report before providing any information about the disputes. These tactics are unprofessional, inappropriate, and a violation of my rights under FCRA.They are doing this willingly and with malice as described ( wrongful intention, especially as increasing the guilt of certain offenses. )
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second complaint regarding this company. They temporarily fixed the error on my report only to re-report the incorrect information. My mortgage was transferred from XXXX XXXX  ( loan # XXXX ) to XXXX XXXX on XX/XX/XXXX. At that time, the home was in escrow. XXXX XXXX contacted XXXX XXXX ( Loan # XXXX ) on multiple occasions in late XXXX and XX/XX/XXXX attempting to get a loan payoff and were rebuffed with the recurring excuse that my loan " was not in their system '' and they were unable to accept payment. We already had a payoff from XXXX but without a demand from XXXX, escrow was unable to proceed with the payoff. I finally reached an employee ( XXXX XXXX ) at XXXX on XX/XX/XXXX who was able to secure the payoff for us the next day and the loan was paid in full on XX/XX/XXXX. When escrow did finally close, I was forced to pay many extra days of interest and taxes ( approx {$200.00} per day ) because of their refusal to provide a payoff when asked in late XXXX. 

My loan with XXXX  was in forbearance at the time the loan was transferred. XXXX rightfully reported my loan as paid as agreed. XXXX reported " paid 150+ days late. '' I have contacted XXXX XXXX on multiple occasions to no avail so I filed a dispute with the credit bureaus which XXXX responded to and lied to them saying I was 150 days late. If in fact I was 150 days late, there would have and should have been late fees charged to my account. None were charged because I was not late. My loan was under forbearance when it was transferred and XXXX XXXX was required to honor that forbearance or in the alternative accept a payoff in a timely manner. They did neither. 

XXXX XXXX only owned my loan for 19 days and spent 18 days of that refusing to take money from myself or escrow. Now they want to claim I was 150 days past due which is an outright lie. They need to correct my credit bureaus as they have dropped my perfect credit score from XXXX to XXXX. This is unacceptable and they do not respond to requests to correct their mistake. The phone number designated for disputes ( XXXX ) is not in service and rings 3 times then hangs up. 

The lowered credit score has caused my business ' credit to be affected thereby choking my business during a pandemic. 

I am attaching the following : The original payoff quote I got from XXXX XXXX through XX/XX/XXXX The letter from XXXX saying my loan was being transferred which I received on XX/XX/XXXX An email from my realtor to XXXX XXXX with the letter referenced above attached and response from escrow saying they would need a new demand Emails from escrow from XX/XX/XXXX - XX/XX/XXXX outlining efforts by XXXX XXXX to get a payoff from XXXX XXXX to no avail. 
Text messages with my realtor from XXXX XXXX outlining the scramble to finally get a payoff from XXXX XXXX XXXX XXXX XXXX XXXX XXXX quote and accompanying email I finally got on XX/XX/XXXX 2021
Complaint sub-issue: Their investigation did not fix an error on your report

i summited an issue where an account was reporting more than once and i have a look into the matter and it was not fix.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Seized or attempted to seize your property

During year XXXX to XXXX I had Business account with Citi bank Citi bank opened up several accounts on my business name. when I pay the charges it goes to different account and loan amount shows the same amount remaining. 
I have all statements and account available. Citi bank sued me for {$47000.00} they got the judgement I do not have money to represent my self But I do have all fraudulent papers to prove wrong accounts open and how the bank officers made fraudulent transactions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
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 an account without my written instructions.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX I received a response from XXXX XXXX  XXXX through this CFPB and contacted the number on the response. I made my first payment of {$50.00} on the {$2100.00}. on XX/XX/XXXX. 

Today, XX/XX/XXXX I got paperwork in the mail which I can not attach a copy of that changes the amount both XXXX and I agreed to to {$4600.00} plus interest plus filing fee of {$210.00}, service fee of {$62.00}, plus AFJ filing fee of {$39.00}, and am feeling threatened that if I don't agree and sign that if I don't sign I free them to take whatever action they deem necessary to collect more than what XXXX and I agreed to after I filed my complaint. IF the initial lawyer had worked with me court would not have been necessary.

When I spoke with someone I was told that Discover agreed to the {$2100.00} amount so the lawyers in XXXX  PA are not representing their client correctly Paperwork attached below.
This is causing me unnecessary mental and emotional distress especially since I tried to resolve this account XX/XX/XXXX but was unable to. I was left with a very strong impression that Discover would not allow them to work with me - I told them I could not afford {$290.00} a month then. I feel I am being harassed.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having trouble with XXXX  getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and XXXX, Equifax, and XXXX  are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with XXXX  and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you please help me?
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and filed a report with the FTC. 
I have been disputing these fraudulent accounts on my credit report now for a long time. 
These companies have been unable to provide any written contact with my signature and have been unable to validate the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$3500.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} Account number XXXX I have attached a copy of my identify theft report
Complaint sub-issue: You never received your bill or did not know a payment was due

i did not choose the best option. citibank card ending XXXX been a customer for years. on or about XX/XX/XXXX tried making a payment the automated delayed me and heard what i did not say i complained about it on or about XX/XX/XXXX was told i would get a XXXX dollar credit when i called to check i was told no you were given it in XXXX. well then i should not have been promised it but once i was i should be given it and i have not been. as such i am not using my cards any citi anymore til resolved. Futher, i ordered a NEw card replacement on or about XX/XX/XXXX SPECIFICALLY told to mail regular not fast since i was away XX/XX/XXXX to XX/XX/XXXX well they mailed it anyway and charged me and it sat outside my house for a week. i specifically said not to do this and they charged me for it to boot which is illegal esp since specifically not authorized. Credit me XXXX   for my trouble or i go further. period. XXXX for the promise i never got XXXX for a charge i did not ask for is not authorized specifically the opposite and anything you would want for your troubles like me. til then no use at all on any card tired of haaving me time wasted speking to people who cant speak english and being XXXX
Complaint sub-issue: Reporting company used your report improperly

The company violated my rights as per as per FCRA, 15 U.S.C. 1681, et seq. FCRA 602, 604A ( 2 ), 18 U.S.C 1666B
Complaint sub-issue: Other problem

COMMERCE BANK FINALLY CORRECTED OUR ON LINE ACCESS! WE WERE UNABLE TO MAKE ON LINE PAYMENTS AND AS A RESULT HAD TO PAY BY U.S. MAIL. ( SEE ATTACHED ). PLEASE CORRECT LATEPAYMENTS.