Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

I sent certified mail to Equifax regarding my issue with XXXX and XXXX debt which was erroneous. I asked to see the original contract with my signature in compliance with the 609 Fair Credit Reporting Act. Which states that the debt must be verified and validated or be removed from my credit report. In the case of XXXX the court ruled that you can not take information off a computer source as verifying the debts.
Complaint sub-issue: Debt is not yours

recv 'd letter from TRS recovery ref # XXXX re : a {$500.00} electronic transfer at local XXXX on XX/XX/2020. We do not shop there. XXXX stolen XX/XX/2020. Stopped all known cards, but license and such were in billfold. Tried going to TRS site but they wanted routing, account numbers to even start looking into it. No idea what this is about. XXXX said they do not use this recovery company and would have communicated with us directly. So ... is TRS a scam, or has someone incurred this debt fraudulently with my ID? XXXX has no indication of an attempt to get $ from them, so we don't know what to do.
Complaint sub-issue: Debt was result of identity theft

I was a victim of idenity theft, I also sent letters to XXXX notifying this of this and also asking for clarity about this alledged debt. They have now gave this acoount to another agency Jefferson Capital System, which now they are reporting erroneous informaton on my consumer report.
Complaint sub-issue: Company closed your account

I received a letter from U.S Bank relaying they are closing all my accounts with them with no apparent reason of to why they have come to this decision. My parents opened a minor account with me at XXXX XXXX XXXX and have been banking with U.S bank since then. Over 28 years of service with them. I have never given them an ounce of issue with my accounts. I have had direct deposit for over 7 years with them, a car loan, and a lime of credit which all have been paid and paid off on a timely manor. Never defaulted on any of their loans. Yet their industry can not give me a valid reason on to why they decided to close my accounts with them. I would like to know what the reason is to help resolve any issues they may have or ease any scarce thoughts they may have.

Thank You
Complaint sub-issue: Account status incorrect

I spoke with a Conn 's customer service representative in XX/XX/2021 to make a payment and schedule a payment for the XX/XX/2021 due date. The representative did not schedule the payment and I was unaware that the account ran delinquent. When I found out that the XXXX payment was 30 days late going into XXXX, I quickly called the company to remedy the situation and make full payment and payoff of the account. I was told that the 30-day late mark on my credit report would be removed since I never had a 30-day late payment with the company before. I was then told several days later that the company was using their discretion and not removing the late mark.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Citi has reduced my card limits multiple times. Ive never been late and rarely carry a balance with Citi thats not on a promo. The major issue Im having are the times in which Citi chooses to reduce credit lines. During a global pandemic which was most recently. And also during hurricane irma. As a XXXX  resident I find that Citi is honestly not for the people. Ive only been late as if recently due to having a son born at XXXX  months who is still currently in the XXXX. The line reduction from Citi has negatively impacted me and caused me to lose my dream home that I had under contract previously. I reached out to Citi and they did not care
Complaint sub-issue: Old information reappears or never goes away

1. I have requested XXXX XXXX to remove old accounts from my credit reports. 

History : In XXXX I purchased 2 properties through XXXX XXXX. Those loans were transferred to XXXX then to XXXX XXXX. Payments were made to XXXX and XXXX reported them late or not made at all. Then XXXX XXXX created new accounts and posted those to my credit without removing the old. Late payments were no longer reported. My insurance and other records were showing I have a first and a second loan on both my properties which is incorrect. There is no second loan, only the two accounts for each property. 

XXXX : In a 5 hour phone conversation with 8 XXXX XXXX mortgage people I was able to get the second mortgage removed with my insurance company. The nice lady I finally spoke to at XXXX XXXX said my loans were in two different XXXX XXXX data bases. 

Anytime I applied for credit the issue of having a first and a second were coming up resulting in higher interest rates for credit. 

This is a XXXX XXXX problem the credit bureaus should have the permission from XXXX XXXX to fix or change. 

I believe there would be no consequence to XXXX XXXX to remove the old accounts since the duplicate reporting was due to them having my loans in two different data bases. 

I will appreciate any effort to resolve this. 

Thank you sincerely.
Complaint sub-issue: Account information incorrect

I sent a debt validation letter on XX/XX/2022 and XX/XX/2022 to AmeriCollect Inc and XXXX XXXX XXXX and each time both companies failed to validate my debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Complaint sub-issue: Reporting company used your report improperly

I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from 2017 is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the XXXX XXXX XXXX in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions 100s of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given XXXX XXXX, XXXX, Equifax, XXXX XXXX or any other business permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security number, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$10000.00}, {$29000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- PERSONAL LOANS -- 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I had 12 charges to my card on XX/XX/2021 from a XXXX account using XXXX XXXX  to send money to another XXXX channel. These charges were not made from my XXXX account or my XXXX account.. there is a very clear list of charges that date back further so i can prove that. I have also never sent money on XXXX with XXXX XXXX so its not even something I do. These charges happened after i went to sleep i believe XXXX ish. I didnt notice them till a few weeks later because my email linked with the card gets a ton of articles and sale notices so i get like 30-40 emails of nonsense a day sometimes. I disputed this because ive had my card stolen from businesses who use foreign processor usually a few times a year because they do not disclose what cc processor they use, and I have never once been denied and this one is classic fraud tactics ton of small charges thru intermediaries funneled XXXX channels. I was not provided any information and I even disputed this thru XXXX who came back with unable to confirm fraudulent activity ... makes no sense the card was used from another account and they did not provide me with any details of why their investigation ended in a denied claim. Didnt get told who actually used it or who they sent it to, and I have no further way to follow up with XXXX.
Complaint sub-issue: Information belongs to someone else

I 've disputed several accounts with Equifax as fraud. I even sent a request via mail and never gotten resolution. Equifax fails to accurately verify the accounts. Several accounts are fraudulent and upon contacting the creditors they all stated that the address and social security does n't match. The following accounts are fraud : 1.XXXX XXXX Account # XXXX 2.XXXX  Account # XXXX 3.XXXX Account # XXXX 4.XXXX XXXX Account # XXXX 5.XXXX XXXX  Account # XXXX 6. XXXX XXXX Account # XXXX
Complaint sub-issue: Trouble getting information about the card

Purchased pre-paid XXXX XXXX from XXXX XXXX on XX/XX/2023. 
Called number on back of card to activate ( XXXX ), system put me into a call with customer service representative who told me the card could not be activated due to being compromised. Was advised to go to XXXX XXXXo file/upload documents supporting the purchase of card ( Drivers license, front of card, back of card, reciept of purchase and activation status receipt ) Documents were uploaded. Waited 7 days before calling back to check on status of replacement card. Was told no documents had been received. Was advised to fax documents to them ( XXXX ). Waited 7 days before calling back, was told fax had been received, but documents, specifically Drivers License was unreadable and told to enlarge document and upload through their website. Documents would not upload. 
Called back ( now, XXXX XXXX, 2023 ) and was told to fax documents again and that a case number had been created to reflect issue on uploading documents to their web site ( case # XXXX ) I asked and was denied to speak to a supervisor on all calls. Customer Service Reps all spoke barely understandable English and I was disconnected/hung up on several times. I've had it. I want my money back and ideally the money it cost me to send faxes
Complaint sub-issue: Information belongs to someone else

The accounts listed are not my accounts. I have shown that I am not a credit repair company nor am I a mortgage company. I also DON'T have a Chapter XXXX bankruptcy and needs to be removed immediately. I have requested the removal of these accounts as now a second request. Please remove them immediately. Thank you.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have received repeated calls and voicemails from a company claiming to be Cambridge Asset Management. The voicemails threaten some type of legal action and threaten to attempt to find me at my home and place of employment. The name of the individual they reference in the messages is not mine.
I received calls and voicemails from this group on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 2017. Each time I have returned these calls and advised that I am not the individual they are looking for and requested that I receive no further calls. Each time I was advised that my number was removed and that calls would stop within 48 hours.
On my most recent call I spoke with a XXXX XXXX who claimed that I had never contacted this group as they had just opened the file. She later stated that I had received several voicemails from XXXX XXXX, but that no return calls had been logged. She advised that she would remove my number. When I asked to speak with her supervisor as this was the same information I had been given in my previous calls, she ended the call.
Complaint sub-issue: Banking errors

In a big thing of identity there since XXXX I started having problems with XXXX I lost a lot of money and then I started having problems with XXXX XXXX then I started having problems with XXXX XXXX  and now I'm having problems with the bank that I have right now that is Citibank money spent withdrawal without my authorization and big amounts of money and also have been withdrawal last month XXXX word withdraw out of my account and the month before it was XXXX now this one is XXXX have clues of people working in Branch doing fraud with money please I'll be having this issue for a long time thank you I want to open investigation and if you guys need information on more than happy to help you
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Reporting company used your report improperly

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, EQUIFAX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, EQUIFAX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX  ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, EQUIFAX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Complaint sub-issue: Debt is not yours

XX/XX/XXXX I was contacted by a collections agency regarding a delinquent debt with XXXX XXXX around {$110.00}. I told them I did not have any outstanding debts with XXXX and they had the wrong person. I followed up directly with XXXX XXXX, my cellphone provider, and XXXX XXXX validated that my account " has always been in good standing. '' Monday XX/XX/XXXX, at XXXX EST, I was contacted by " Jefferson Capital Systems '' headquartered in XXXX XXXX, Minnesota again on my personal cellphone number. The representatives name was XXXX and he was in calling from XXXX, XXXX. 
XXXX was collecting an outstanding debt as a result of a delinquent account held by XXXX XXXX in the amount around {$110.00}. 
I insisted that this was not my debt, stated I already told them the last representative this in XX/XX/XXXX, I had previously called XXXX to make certain my account was in good standing, and " Jefferson Capital Systems must stop calling me concerning an outstanding this debt with XXXX. '' XXXX pressed me to validate my date of birth and last four of my Social Security Numbers. I refused three times because I am not legally required tto do this, he is a stranger, and this debt collection is illegitimate & not mine. 
XXXX said he would read the last four Social Security numbers of the person responsible for the debt. 
I said that is illegal for him to do. I do not want to know their social security numbers, and I want nothing to do with this. I told him stop calling me. 
XXXX then said the only way the calling can stop is for him to read the last four social security numbers aloud to me and I had to say whether they were mine or not. If not mine, then and only then, I would stop receiving debt collection calls from " Jefferson Capital Systems concerning outstanding this debt with XXXX. '' I reluctantly agreed. XXXX  read out loud the last four Social Security Numbers. 
I stated : " No. Those are NOT my last four Social Security numbers and you must stop calling me. '' He agreed to stop calling me. I said I was reporting this to the CFPB and he said " XXXX you're taking this too far. '' Call ended. 
Phone number from : XXXX Phone callback number ( per XXXX ) : XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am submitting this complaint about XXXX credit reporting agency. I have been disputing an account that was previously removed off my credit report. ( XXXX XXXX XXXX ). Today I checked my credit score on XXXX XXXX and noticed a 100 point drop I looked into this and noticed that they re-inserted this account that was previously removed. I attempted several times to reach them and dispute this information again and ask to remove it like it was before and it should have never been re-inserted onto my credit report. It was confirmed that this loan was a combined loan that was PAID off in full. I can't reach XXXX as they keep telling me my credit file is in another department. ( Fraud Victim Dept ). As I had in the past fraud done with my name. I was transferred and was on hold for a long time. I am very fustrated that they put this account back on my credit report which caused my score to drop.
Complaint sub-issue: Information belongs to someone else

While checking my credit report, I notice an account from Discover Financial SVCS LLC that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that Discover Financial SVCS LLC is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Complaint sub-issue: Not disclosed as an attempt to collect

My issue was I 'm trying to get financing loan for down payment purchase.thats why I try a lot of options like apply credit card but I do n't get.my story was last year and connected to bank and third party that have connection to make account on my name, apply loans, open credit card and mortgage etc.I dispute some not everything! as I know it 's not a single or one person because in my observations got connected to do so! I can tell the name if we need.
Complaint sub-issue: Account information incorrect

This item has been disputed time and time again and it is being reported inaccurately, please remove this item from my credit report. Under the FAIR Credit Reporting Act this item has to be removed. I have attached two different credit report from Equifax showing the information being deleted and every time i pull my report from a credit monitoring platform ( XXXX  XXXX  ) it still pops up and its holding my scores back.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an FTC report with a collection and inquiries I did not authorize