Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

I am writing to ask the CFPB to intervene in Citi Bank 's political position in no longer lending money to companies that make firearms. They were bailed out by we taxpayers, and they have no right to cut off funding and kill jobs to make political statements.
Complaint sub-issue: Information belongs to someone else

I have been working with XXXX XXXX for over a year. Every so often they do a back ground through the company checkr. In this case Checkr falsified information about my background by adding criminal charges to my back ground. The name of the person does no match my name, the address does not match, nor does the county of residence match. This is clearly wrong information. I have emailed checkr twice, called once, as well as went trough their " dispute '' process with no response. This has caused me to get fired from my job. I want my report fixed immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My second email below was sent to Elan Financial via postal mail today. It reads as follows : Dear Sir or Madam, On XX/XX/XXXX, I put charged a deposit of {$100.00} on my FidelityRewards VISA ( serviced by Elan Financial ) towards the purchase of a XXXX XXXX XXXX  with a initial contract of {$60000.00}. On XX/XX/XXXX and XX/XX/XXXX, XXXX contacted me that the price would be in excess of {$96000.00} and offered a full refund. I processed the cancellation order on their website, but have never received the refund of my deposit. 

I earlier contested this charge through Elan and they just sent back the original copy of the contract showing the 3 day right to Cancel in California and my execution of the contract. XXXX made no mention of this 60 % price increase or their offer for me to cancel / receive a refund. Clearly the deposit can not be held by XXXX when they so drastically changed the pricing. 

The employees who originally serviced my accounts are no longer with XXXX and my account on their website has been disabled. I can not retrieve the revised contract. There is no mailing address offered on XXXX website to send formal correspondence. 

I am also contacting the CFPB for 1 ) Elans poor investigation into the matter and 2 ) for XXXX deceptive business practice. I should be able to log into my account and see the correspondence and history of the matter. 



XXXX XXXX Encl : Original Contract Pricing XX/XX/XXXX Emial notification from XXXX notifying of contract price increase and offering deposit refund.
Complaint sub-issue: Reporting company used your report improperly

They are reporting incorrect information showing i am late paying back when I am in the process to finish school. I have not graduated yet and they showing and reporting I am late and it is effecting all three credit reports
Complaint sub-issue: Debt is not yours

I have submitted multiple requests to have this item removed as I did not authorize the original creditor to share my personal information with this company. Per XXXX law it is a violation.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

XX/XX/20 Identified himself as XXXX XXXX Fraud & litigation division a XXXX XXXX XXXX. Processing a claim against ( quotes a last four of social security number and FULL DOB. ) Suggests person or their attorney calls him back immediately. XXXX XXXX XXXX extension XXXX. Called from a XXXX TN number XXXX ( XXXX ) XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I am writing to dispute the following information that appears on my Credit report XXXX XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$800.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$560.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information.
Complaint sub-issue: Account status incorrect

I received an alert from XXXX XXXX alerting me that I voluntarily closed my XXXX XXXX account. I just simply paid off my loan. Considering that there is an existing investigation with XXXX, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have XXXX XXXX to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because XXXX has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on my report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX, XXXX, XXXX XXXX XXXX, XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the account being reported were erroneous. I sent a letter to the Credit Bureaus oin XX/XX/XXXX to request an investigation and correction of the Erroneous accounts on my Credit Report. The XXXX credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Problem with personal statement of dispute

I sent a letter to each of the three credit bureaus ( XXXX, Equifax, and XXXX ) via certified letter my concern that inaccurate information was being reported on my credit report and that I would like it changed. Each bureau has failed to change the information so that it is correctly reflected on my credit report as you will see ( attached credit report ). This inaccurate reporting of information is against the law according to the Fair Credit Reporting Act and should be changed or removed immediately from my credit report. Also, this inaccurate reporting of information is hindering by ability to get the appropriate credit for housing for myself, my wife, and our XXXX  children! Further, this lack of accurate reporting is limiting my ability to seek and obtain employment in my chosen field. I hope at the end of your investigation we are able to get these ongoing inaccuracies remediated.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and are in compliance then you must remove the account from my credit report. 

I have attached my ONLY 2 forms of ID to this complaint
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I was affected by the Equifax security breach.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I owe approximately 75k to American Education Services, I believe part of PHEAA. I've been told repeatedly that I have no repayment options left except to pay the full amount each month. I can't!!! But, I WANT TO PAY. I just need better terms. I'm an XXXX XXXX XXXX veteran, and maintaining a job is hard enough. If they will default me anyway because I can't pay what they require, why should I at all? May as well keep that money for rent, utilities, etc.
Complaint sub-issue: Didn't receive enough information to verify debt

This is a follow up of closed complaint # XXXX I.C. System is in clear violation of the FDCPA Laws. From there previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth was ignored, so was the Notice of Default and Opportunity to Cure Notice. 

The Law States the Following : An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit.

'' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Complaint sub-issue: Information belongs to someone else

I am filing this report because there are three accounts on my credit report that are not mine ; The only reason I was made aware of these accounts is because I got my credit ran at XXXX XXXX XXXX XXXX since I'm trying to get a loan. The account names are XXXX XXXX  for {$34000.00}, XXXX XXXX XXXX for {$12000.00} & XXXX XXXX XXXX for {$30000.00}. None of those accounts belong to me nor do I have any written or verbal contract with these companies and I never gave them permission to run or access my credit/personal information. I don't know who opened these accounts in my name without my permission but I already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I take part in any purchases or payments made towards these debts.
Complaint sub-issue: Investigation took more than 30 days

Early this year in 2019 I disputed with all three of the credit reporting agency about an inaccurate report on a XXXX account. The dispute was pretty much ignored, when I notified them last week ( XX/XX/2019 ) that they ignored the dispute they submitted another dispute. I called XXXX they recognized the error and said " sorry. '' XXXX removed it because they realized they'd all made this mistake, I'm not sure what XXXX is going to do yet because I haven't received their reply yet. However, equifax did and update on the credit report instead of removing it for an inaccuracy being reported on my credit report for more than 30 days even after I attempted to fix earlier. The proper response would have been that they remove the inaccuracy because it reported way past the 30-day mark ( like 8 months ) after my initial notification.
Complaint sub-issue: Threatened or suggested your credit would be damaged

A payment that was made on XX/XX/2019 was returned due to insufficient funds. I called AES after I realized that there wouldn't be enough funds to cover the outstanding balance and assured the representative on the phone that the entire outstanding balance due would be paid in full by XX/XX/2019. A few days after this, AES sent letters that said they were going to garnish wages, report the delinquency to the credit bureaus and force the account over to the guarantor. All of this after I had given them an exact date of when it would be paid. 

I don't appreciate the constant threats from AES and there are a group of other people who feel the same way. My attorney is currently reviewing this because I feel this falls into the category of criminal behavior.
Complaint sub-issue: Debt was result of identity theft

Ic systems Collection agency, Violated the fair debit collection practice act as well as the fair credit reporting act.

Violation number one : Section 807 false or misleading representation A debt collector may not use any false, deceptive, or misleading representation or means in correction with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 10 ) : The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

I called this collection agency who has already previously been notified by the three major credit for an agencies that this collection account what is the result of identity theft. I was amazed when I spoke to the representative XXXX XXXX. 
I notify this representative that I have a victim of identity theft and that his company has had several accounts in their system that have been removed for identity theft. I did notified him that this account popped on my credit report without any prior notification via mail, telephone call, or email. 
Ive been instructed him that I would like to have these accounts removed due to identity theft. XXXX XXXX XXXX told me that in order to have these accounts investigated, I would have to pay a fee of {$270.00} to another company called XXXX XXXX in order to have this account investigated and removed from my report. 

Me being a victim of identity theft has taught me to be very knowledgeable when dealing with fraudulent accounts. Enclosed is a recording of the phone conversation between me and the representative for IC systems. 

The recording was taken from a Texas phone number which falls under a one party state rule when pertaining to the laws of recording. Therefore, Permission was not needed since one party ( IC Systems ) was recording already. 

No person should have to pay to have an account removed under identity theft from a collection agency. This is a serious violation and requires serious attention. This means that if a consumer disputes an account with a credit reporting agency, and follows the guidelines correctly, in the collection and see the sides that they will not investigate but, report the account as accurate? This is a tactic used to force people to call the collection Agency so that they may manipulate the consumer into paying to have a wasnt account removed from their credit report.

This violation falls Under section 621. Administrative enforcement [ 15 USC section 1681s ].

( 2 ). Penalties.

( A ) knowing violations. Except as otherwise provided by subtitle B of the consumer financial protection act of 2010, in the event of a known violation which constitutes a pattern or practice of violations of this title, the federal trade commission may commit a civil action to recover a civil penalty in a District Court of the United States against any person that vio
lates this title. In such action search person shall be liable for a civil penalty Im not more than {$2500.00} per violation.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX 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 XXXX15 USC 1681 section 602A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

*15 USC 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: Investigation took more than 30 days

My name is XXXX XXXX, my name social is XXXX and my date of birth XX/XX/1979. I have not recieved any update per my recent disputes to XXXX   and Equifax. I have been waiting beyond 30 days with no repsonse. I am requesting all of the erroneus, obsoletm and inaccurate items on my credit reports with both XXXX and Equifax be deleted immediately
Complaint sub-issue: Information belongs to someone else

A credit card from XXXX XXXX is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified XXXX XXXX that this is not my account and i don't want to be on anyone 's card. However XXXX XXXX continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter
Complaint sub-issue: Account status incorrect

XXXX dollar credit bill, turns into over XXXX dollars, because of interest, Discover writes off debt, shows charge, yet i get a 1099 tax form to say i benefited????? This is all interest Discover wrote off, but yet its MY income to report at tax time???
Complaint sub-issue: Frequent or repeated calls

I get a collection on my account without my knowledge and now received frequent phone calls with a company I do n't even know. The account is closed on my credit report and the balance of {$1800.00} still showing so I do n't really understand why the company keep calling me for a closed account.
Complaint sub-issue: Account status incorrect

THERE ARE NEGATIVE REPORTING LISTINGS ON MY CREDIT REPORT FROM A COUPLE OF ACCOUNTS THAT SAYING I'VE BEEN LATE ON MY PAYMENTS. BASED ON MY RECOLLECTION, I HAVE NEVER BEEN LATE ON THESE ACCOUNTS. THE ERRONEOUS STATUS OF THE CREDIT REPORTING AGENCIES IS UNACCEPTABLE AND IS PREVENTING ME FROM OBTAINING NECESSARY FINANCING. THE ACCOUNTS ARE : XXXXXXXX XXXX   XXXX # XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX sent letter to Equifax. An account XXXX XXXX listed on my credit report as a charge off but listing an balance. This is falsely manipulating the status of limitations, which is a FRCA violation. This item should have been deleted from my report for inaccurate reporting. 

Only received a notice that report was updated. I show no change in my report and account should have been deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX currently reports on my Equifax account as verified and updated. However back in XXXX of 2020 I sent Equifax a letter of validation requesting a full and complete validation of this account. 

As of XX/XX/2020 Equifax sent me a copy of my credit report reflecting no changes to the account. And no methods of validation has been provided. This is a violation of FCRA rules.
Complaint sub-issue: Information belongs to someone else

There are 5 accounts on my credit report that are not mine I have not applied signed or used these accounts they are showing up on all three of my bureaus I have disputed these sinceXX/XX/XXXX but I have not heard anything back or seen a dispute opened I need these off my credit report asap!!! 


Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX XXXX  Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry