Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Conns lost my accts XX/XX/XXXX. I could not pay as there were none with which to pay. In XXXX of XXXX Conns XXXX XXXX found my accts. They had reported all 4 accounts closed in XXXX to the credit bureaus. In XXXX, Conns put on the credit bureaus that my four accts wee open and 5 months past due. I asked them to consolidate the 4 accounts but they refused and wanted 4 payments Xx 6 months. I told them I couldn't pay that much at one time. The only other choice was to settle with them which was more than the 4 payments of the 4 accounts. I was working part-time and then the pandemic hit. I could do nothing. I did however ask them to remove the incorrect address for in their files and to remove my social security number off of a MRXXXX XXXX XXXX files and purchases. His {$5000.00} charge off is currently on my credit files at the credit bureaus. Mr. XXXX has my Social Security number on his Conns file and on his purchases. Mr. XXXX XXXX has access to my Social Security number. Whether he uses it or not, Conns has used it! I was working very hard to improve my credit and this has made my credit go way down i have a balloon note on my house and if I can not refinance, I will lose it. These account entries that are not mine need to be un-associated with my SS #, my credit reports, my phone number that I have had for several years, and remove addresses that not mine
Complaint sub-issue: Personal information incorrect

There is an incorrect address on my report : I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Complaint sub-issue: Other problem getting your report or credit score

We have put a freeze on the Credit Bureau accounts several years ago and lifted the freeze in the instances employers, bank, etc needs to check on our credit worthiness. Until now. We needed a credit line for business and recently need to change to a different credit card with XXXX XXXX. We tried another credit card with our coop XXXX Again ALL three bureaus required. 

We could not log in to our account with our login details because EQUIFAX apparently revoked the logins. After several hours on the phone having to respond to quizzes on minutiae of transactions done years ago they have in a database ( a luxury we do not have ), we objected. We we then told that we will have to provide them, EQUIFAX, the bureau that had our private details hacked, insisted we provide them with copies of our Social Security Card and Drivers License. And we need to write them for permission to our own data. We refuse to offer ANY private data to this company. 

We have our state representative, XXXX XXXX, taking this case up. We need this interaction to get Senator XXXX   engaged as well. 

So, here is the complaint : EQUIFAX practices have now become untenable and unlawful we can not log on to do a self-managed freeze lift unless and before we turn over COPIES of our Social Security Card, Drivers License and WRITE them to attain permission. Right now we can not do business because we refuse to work with Equifax. This choice means a diminished freedom to do business.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019 I tried to make an {$1100.00} withdrawal from an ATM using my Citibank card. I tried 3 times and was declined each time. I went to my truck and called Citibank and they asked me if I was authorizing the charge and I said yes. I then went back in and tried the ATM 2 more times and it was declined both times so I drove home. The next day I went to my bank to make a withdrawal and the ATM said I only have an available balance of {$6.00}. I then drove to XXXX XXXX and spoke to the supervisor. The supervisor pulled the transactions for the ATM that I tried to use the day before. She said that no money for the amount I was trying to withdrawal was dispensed from that machine. I asked her what I needed to do and she said I needed to file a grievance with the credit card because I hadn't received the money. I called Citibank to file a grievance and they said I needed to call the ATM company because it was a cash transaction. So I called the ATM company ( XXXX ) and they told me the same thing that no money for that amount was dispensed from that machine and I needed to file a grievance with my credit card company. I called Citibank back and filed my grievance. I was told I would see a credit within 24 to 72 hours while they investigated. They gave me an email and fax number to send my paperwork. I emailed and faxed everything I had from the ATM company. To this day I have not seen a credit. I have been told they will call me back and no one has called me. I have called Citibank multiple time and have been told there is an investigation.Then the next time I call they say there is no investigation. I even had a supervisor from XXXX call Citibank ( we were on a 3 way call ). We asked to speak to a supervisor and then explained the situation to him. She told Citibank that I never received any money. The supervisor at Citibank said that there was a pending investigation on the account. It has been a month and I have not heard from Citibank and they sent me my monthly statement that says I owe the money. I never received any money and thought this matter would be taken care of in a week at the most.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my XXXX  and XXXX  as the amount they are requesting is not valid.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to Lexis Nexis for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from Missouri courts stating they do not report info to Lexis Nexis nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO
Complaint sub-issue: Account information incorrect

XXXX & Equifax way to go on not doing what the law requires. XXXX - How dare you insult me! What is it about my previous complaint that would make you think I am not intelligent enough to have written it when it's my truth!! I'll tell you what else is the truth. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying XXXX XXXX and they are NOT in compliance with FCRA reporting and your bureau did a half-assed job on looking into this. All I want is this corrected IMMEDIATELY!!
Complaint sub-issue: Called before 8am or after 9pm

XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE I HAVE NOT OPENED UP ACCOUNT WITH THEM I ADVISED THEM THAT THIS WAS A FRAUD ACCOUNT AND DOES NOT BELONG TO ME
Complaint sub-issue: Account opened as a result of fraud

I got a letter in the mail saying that citi bank was trying to collect the funds
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Charged too much interest

I was chatting with Citibank on XX/XX/2019 at XXXX when the chat first started. I was asking a simply question about my minimum that was due and why it was so high. I was trying to see if it was possible to get it lowered. I have never been late on payment or never NOT made a payment. I have never been charged so high as of recent and was trying to figure out what could I do to get it lowered. They kept telling me the standard information. Which I understand, I was possibly trying to get it lowered because I am a loyal customer over 12 years. I was forwarded over 3 times to different people that told me the exact same thing. One representative was rude, name XXXX ID # XXXX. Not sure if the ID number is correct because they were hesitant to give me his information. He was very rude and disrespectful and just told me to pay the bill as if I don't pay my Credit Card bill at all or on time. To simply this matter I was just wondering what could have been done differently. The actions was letting me pay {$150.00} this month and a {$10.00} credit. Its cool and all but that's still not answering my questions or concerns.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  Credit Card ending in # XXXX Was inadvertently REMOVED from my Equifax credit report Reached out to XXXX XXXX directly to have it REINSERTED on my credit report As of XX/XX/XXXX, it is still NOT being reported or REINSERTED to my credit file
Complaint sub-issue: Contacted you after you asked them to stop

Jefferson Capital continues to communicate with me through mail without my permission. They called 3x per day15 USC 1692c ( a ) and were using abusive language 15 USC 1692d ( 2 ). They are violating my right of privacy. I sent them a cease and desist prior and told them over the phone to stop contacting me. They are violating me big time. This alleged debt that I do not owe. Collections agency are stepping out of their lane. I was not sent a letter to dispute or validate this debt. How did they get my information? They bought my information from the credit card issuer without my consent. They sent me a letter telling me to pay debt and get a credit card through their company. Jefferson Capital created a deceptive form to coarse me into paying an alleged debt to them 15 USC 1692j ( a ). Jefferson capital are civilly liable for violating me. I went ahead and mailed Jefferson Capital And the CFPB a copy of my documents via certified mail. I also attached the below. My documents are notarized.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Complaint sub-issue: Problem with personal statement of dispute

Good day, I submitted to the credit reporting agencies an agreement that myself and NY child support came to in leu of cashing and crediting the latest payment to my child support account. In the documentation, I asked that this account be removed from my credit report in it's entirety from all the credit bureaus as I've had several problems with the agency. 

One problem in particular I've had with the agency in the past is, I personally made a modification for a larger child support payment with the courts. The courts adjusted the amount of child support to come out of my paychecks at my place of employment. The correct amounts were taken out of the checks but were not being credited to the child support account as a full payment. It was reporting as an overpayment as the child support office did not enter the new order in their system correctly. 

This resulted in them issuing me an overpayment check. They actually issued me 2 overpayment checks in this situation. For them to come back later and say that they made a mistake in entering the order and they need the money back. 

I feel that this account and it's payment history doesn't reflect me as a consumer and The agreement that myself and the child support office came up with, this account was supposed to be removed from my credit reports all together. Enclosed is a copy of the cancelled checks with the written agreements on the check.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I paid off my car back in XX/XX/XXXX a title was sent to me with the company Sol acceptance listed as the lien holder. 

I have been unsuccessful at getting a clear title for my XXXX XXXX XXXX. I asked for a hardship to waive the {$20.00} fee that can only be paid via a XXXX XXXX  and they charge a fee. 

I went to the DMV today XX/XX/XXXX and was a informed that SOL acceptance should not be charging me a fee, to prove my car loan was paid off. Sol acceptance stand their growing and wont wave the fee. I am experiencing a hardship finically and ask for a waiver. Sol acceptance DMVS Electronic Lien and Title ( ELT ) Program denied it. I had to borrow money from an abusive ex to get the money to Sol acceptance. 

I was involved in a bad car accident which I am recovering and have not received any XXXX or insurance payout. Therefore {$24.00} is a lot money for me. 

I dont understand why I have to pay a fee to have Sol acceptance release off my title. When the DMV tells me I should not be charged a fee and that once my car was paid off the lender was suppose to notify DMV.

According to the DMV sol acceptance participate in the electronic lien and title. Once a consumer pays off the loan Sol acceptance complete the necessary paperwork online to release them off the title. Instead they sent me the title advising me it was my responsibility once the mailed the title to me along with a paragraph letter stating my loan was paid off, that I had to reach out to the DMV. Only to be told by the DMV that I would have still need the lender to provide me with a signed form reg 166 to remove the lender. All I know is Sol acceptance is telling me something different than what DMV is stating. Of all my years of getting a clear title after paying off the loan. This is the first issue I have had all other lenders sent me a clear title not Sol acceptance. To the DMV it looks as if I still owe them. Which I dont owe them any money. They sent me a check for overage payment but no clear title.
Complaint sub-issue: Attempted to collect wrong amount

Every month I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ( XXXX ) XXXX. Is reporting a new collection that is for a collection account from XXXX. The information reported to the credit agency is in violation of Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$170.00} Date Updated : XX/XX/XXXX Original Amount : {$170.00} Original Creditor : XXXX Past Due : > $ XXXX<
Complaint sub-issue: Reporting company used your report improperly

I am requesting documentary proofs ( the hard copies ) providing Equifax my written permission or instructions to furnish the listed negative accounts on my consumer report, which are attached to this complaint. 

Please do not send any debt verification or validation, only provide me with a hard copy of my written permission or instructions ( my written proofs ) for the referenced accounts with Equifax.
Complaint sub-issue: Attempted to collect wrong amount

No one responded and the cfpb let the response expire. Please note the following STILL has not been addressed : The letter sent to me does indeed say that when they received my account that it was not over {$3000.00}. I am willing to negotiate with them as I have told them many, many, many times in writing. I would like for them to write me back, rather than send a telephone number, for negotiating purposes. It is a simple response I need in writing. Something to the fact " Yes, we accept your balance negotiated at {$2400.00} at $ XXXXmo until this account is paid. OR " No, we do not accept your negotiated amount, yet are willing to ( insert negotiated amount in return ). Sending me a telephone number to call is an unacceptable response to my request to accept or decline my offer in response IN WRITING. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Why will they not respect my wishes and address the negotiated offer in writing? 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Yes ADDITIONAL COMMENTS They said theyd wait my payment without accepting or declining my offer. This is unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
CAPITAL XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XXXX on my behalf, with no response from XXXX. also i disputed with XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of LexisNexis removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I contacted XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) three times to dispute their fraudulent tradeline on my credit report. I also disputed with the credit bureaus. They haven't remove the tradeline. Because this issue is damaging my credit rating I offer XXXX a payment of {$750.00} to settle the account but they didn't accept. At this point I need help from your agency to help me remove this unknown tradeline from this company.
Complaint sub-issue: Problem with personal statement of dispute

I never applied for a mortgage. An inquiry appeared and dropoed my score significant amount of points.
Complaint sub-issue: Debt is not yours

NTL RECOVERY AGENCY  ( collector ) XXXX XXXX ( originator ) {$1300.00} ( amount ) Opened XXXX
Complaint sub-issue: Public record information inaccurate

I applied to XXXX I been working for XXXX since XX/XX/XXXX I applied and been working I had to submit for a second background check for a position in the company which uses cisive formally known as cargo background check they do a end of life background check I identified my info and made my record known to the company and to the background agency the agency is reporting inaccurate information about my conviction and its hurtful and taking away opportunities from me to rent or hold employment due to the inaccuracies on my report showing my conviction twice from my XXXX XXXX XXXX conviction stating that I got off probation In XXXX when I was released and case disposed back in XXXX this is in accurate and now my quality of life is affected and my conviction was charged in XXXX