Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Been trying to get XXXX XXXX collection account and numerous inquiries that I did not authorize ; Ive spoken with representatives from XXXX, XXXX, XXXX and Equifax the payment before collection has been verified and was advised that they would send a letter to all 3 credit bureaus to remove the collection and I would receive a copy in mail I have not received confirmation of deletion letter yet nor has the 38 inquires been removed from XXXX Equifax Credit reports. I am currently in process of closing on property and these entries are having a negative impact on securing loans and moving forward ; this account was satisfied before it went to collection not sure where these inquires came from deleting will be greatly appreciated. XXXX REMOVE INQUIRES AND COLLECTION PLEASE DO NOT REINSERT ANY STATEMENTS, FRAUD ALERTS, SECURITY BLOCKS, OR FREEZES WOULD LIKE TO KEEP " OPT-IN '' FOR PROMOTIONAL CREDIT OFFERS*.
Complaint sub-issue: Investigation took more than 30 days

I initially contacted Equifax on XX/XX/XXXX by mail, disputing inaccurate information on my credit report. I waited the duration of 30 days still didn't hear anything. I sent another letter on XX/XX/XXXX following up with the initial claims still no answers
Complaint sub-issue: Debt is not mine

I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.
Complaint sub-issue: Problem with rewards from credit card

I've been a loyal customer with citi for over a decade, never had late payments or so, i've earned over XXXX Reward points, and they all of sudden for no valid reason - shut my account and stole the points
Complaint sub-issue: Problem during payment process

XX/XX/2020 contacted company to make XXXX Payment - accepted as paid in full. XX/XX/202, submitted XXXX payment - accepted as standard payment but still received bill requesting I submit another lesser amount for XXXX payment without acknowledging XXXX payment. Tried to make contact utilizing e-mail services only to be told to call operators. Covid-19 issue has overloaded phone lines but company insists that I call. Tried phone contact only to be coerced into automated system which has no parameters for this type of inquiry. Tried e-mail contact again only to be ignored. If I do not make SECOND monthly payment, I will be charged LATE fees due to their lack of responses to my questions. If I had unlimited funds, this credit card would be paid in full.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/ 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, account numbers : 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: Information belongs to someone else

On XX/XX/2018 I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of the debts/ accounts I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. Each of these debts have been disputed and deleted in the past and keeps reappearing on my credit report, being either sold or charged off each time they are disputed. The specific accounts I am disputing have made it to the collections section of my credit report which is heavily damaging my credit score. The credit bureaus have failed me as a consumer by not ensuring that the information being reported by them is identified correctly. I am requesting that once and for all these accounts be deleted from my credit report.
Complaint sub-issue: Debt is not mine

An AFNI creditor is now on my credit report stating that I owe them a balance and they are not the original debtor
Complaint sub-issue: Debt was result of identity theft

Jefferson Capital Systems out of XXXX  trying to collect {$200.00} from me for a XXXX purchase of some kind that I did not buy, I have XXXX XXXX XXXX. Never had XXXX. All I know is balance of {$200.00} was due on XX/XX/2021.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Their investigation did not fix an error on your report

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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/19, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/19
Complaint sub-issue: Fraudulent loan

On XX/XX/2021, I went to CarMax.com and filled out a pre-approval application for a car. CarMax asked me for my Social Security number ( my credit card number thats connected to an open-end credit plan ) and later on that same day, I was sent an email stating we were unable to approve you for the amount requested. Pursuant to 15 USC 1602 I am the natural person, credit means the right granted, the original creditor, the consumer, and the term credit card means ANY card, etc. One card in particular is my social security card. Meaning, I typed in my social security number into Carmaxs website and was denied. Pursuant to Truth in Lending I am the original creditor and that means I am the only one who can extend the credit back to myself because i am the consumer, original creditor, and natural person. On XX/XX/2021, i left a review and someone called me back the next day. I told him about the federal laws that CarMax is violating and he didnt know what to do or to say. I never heard back from anyone again. I called again today ( XX/XX/2021 ) and a representative hung up on me because i was trying to figure out who denied me and why did i have a inquiry on my credit report and i didnt give CarMax written permission to do that. I also filled out a identity theft report on the FTC website.
Complaint sub-issue: Information belongs to someone else

SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

bankruptcy XXXX bankruptcy XXXX i supplied them with letter of dispute and reason and they refuse to update my account in a timely manner.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX XXXX XXXX. I am writing this letter to advise the credit bureaus that there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore I ask that these accounts be DELETED and updated in order to correct my credit file and protect my consumer reputation. I am a victim of identity theft and did not make the inquiries. I reported the theft of my identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade commission identity theft affidavit. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days blocked. This information has been causing me to be denied by credit companies and loans. I ask that per FCRA and FTC laws and regulations the inquiries and information listed in this report immediately be deleted.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$890.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. XXXX XXXX XXXX XXXX does not have a contract with my signature and I do not owe them a debt.
Complaint sub-issue: Problem getting your free annual credit report

I attempted to get a copy of my Equifax report by phone, because I was unable to do so online as I am a minor. On the phone with the representative, despite repeated attempts to explain that I was a minor and that my social security number had been used to file a false tax return in my name, the agent refused to give me a copy of my credit report stating that there was no credit history. She refused to send anything by mail or email stating this and I had to end the phone call because she was increasingly unaccommodating and rude. I need this information to file fraud claims with FTC regarding my identity.
Complaint sub-issue: Didn't receive enough information to verify debt

I was contacted by XXXX XXXX from Hunter Warfield on XX/XX/2022 at XXXX XXXX. She informed me she was attempting to collect a debt from XXXX XXXX, my previous apartment complex. She inquired about " what could be done to settle the debt today ''. I asked about the debt amount and etiology of the charges. She stated I owed {$1700.00} for " damages and early lease termination ''. She was unable to specify the type of damages or further information regarding the debt. She also informed me that I was sent to collections alongside the previous co-tenant. I discussed that I had an ex-parte restraining order against the co-tenant and that I had a detailed video of the apartment when I moved out. She asked me to email all the documentation to XXXX. 
I emailed the documents at XXXX XXXX  on XX/XX/2022. I second a second email on XX/XX/2022 at XXXX XXXX  and requested a debt validation letter containing itemized information regarding the debt, as well as my liability. I further requested information pertaining to the total amount of debt, the date of which the debt was submitted to collections, details of etiology of the debt, and information that irrefutably associated the debt to my obligations. I received no response. 
I spoke with a representative on XX/XX/2022 at XXXX XXXX  and requested the collections case be closed due to the company violating Section 809 of the Fair Debt Collection Practices Act. The representative said that Hunter Warfield is " still waiting to receive detailed information regarding the debt from the original creditor ''. I discussed that, per Section 809, the company has within five days after the initial communication to provide a written notice containing specific information. I requested to speak with XXXX XXXX, the original representative who contacted me, and was informed that XXXX was " unavailable ''. I requested to speak with a supervisor, but was told the supervisor was " not available ''. Finally, I requested to speak with a manager above the supervisor or a member of upper management, and the representative informed me that was not possible. I requested a return call from the supervisor. I did not receive a return call on XX/XX/2022 and left a voicemail requesting a return phone call on XX/XX/2022, I did not receive a return call.
Complaint sub-issue: Report provided to employer without your written authorization

Ref : XXXX XXXX XXXX / XXXX Approximately 6 months ago, I refinanced my mortgage from a 30 yr term down to a 15 yr term with XXXX XXXX XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX with XXXX XXXX. Through further conversation, XXXX advised, I had a lot of built up equity in my home and asked it I wanted to hear about some great options that were available to me. I told him " I MAY '' be interested in a 10-15k home equity loan in XXXX '' XXXX replied, I'll email some information to you. The conversation was literally 1-2 minutes in length. 2 hours later it was revealed he did a HARD Inquiry on my credit WITHOUT my permission and sent me a sales contract. At no time, did we even discuss rates or actual options. How he obtained my personal information i.e. date of birth/social security number is through their database when I completed my 15 year refinance loan 6 months prior. I immediately contacted XXXX XXXX via telephone when I received the email and left him 2 voicemails asking him why he pulled my credit, but I received no response. The next day, I contacted his supervisor, XXXX XXXX and filed a complaint. XXXX XXXX seemed receptive and stated, XXXX XXXX should have never pull my credit based on our conversation. On XX/XX/XXXX, XXXX XXXX sent me an email directing me to send an email back to him requesting the credit inquiring be removed from my credit report. I also generated a complaint with the XXXX XXXX XXXX ( Upstate South Carolina ) who contacted the company and relayed all information. complaint ID XXXX A few days later, I received a letter in the mail from XXXX XXXX XXXX 's Attorney stating their company did no wrong doing. Furthermore, he stated he spoke to XXXX XXXX and who advised I gave him consent. This is a TOTAL Lie. So, the whole process with the XXXX XXXX XXXX was just He said she said, with XXXX XXXX XXXX not admitting their employee was wrong. In addition, they never removed the unauthorized credit inquiring off my report. It affected my XXXX credit score and will remain in effect until XXXX. I NEVER INSINUATED OR DIRECTED XXXX XXXX TO RUN MY CREDIT OR WORK UP A SALES CONTRACT. Respectfully, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax states this account is accurate. How is that so when they failed to provide a XXXX release between me and XXXX XXXX for account # XXXX amount {$3600.00}. Also they never provided... 

1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for or delete ; 2. Provide 1099c and credit insurance or delete ; 3. Provide original signed purchase agreement with me and XXXX XXXX or delete ; 4. Provide payoff disclosures, interest rate disclosures or delete ; 5. Provide collections ; license number and court documents that allow XXXX XXXX to continue to pursue this debt in Florida or delete ; XXXX. Provide documents that states this account was purchased or is XXXX XXXX collecting on the original account holders behalf or delete. 
7. Provide the name and phone number of the contact Equifax states verified all of the above. 

This account has been removed from XXXX and XXXX due to many violations and could not provide a written signed contract between me and XXXX XXXX. So what has Equifax received that the other credit bureaus did not?
Complaint sub-issue: Old information reappears or never goes away

This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.
Complaint sub-issue: Problem with fees

Please accept this formal complaint against Citi Cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I have two credit cards with Citi Card. On card ending in # XXXX my XX/XX/XXXX statement payment was due on XXXX XXXX, a Saturday. Payment was taken from my checking account XX/XX/XXXX. On my XX/XX/XXXX statement payment was recorded as received on XX/XX/XXXX, a Monday, along with a late fee of {$29.00}. I reached out for assistance from Citi Card sharing my information on the payment and they said I was late period. I am not aware of any financial transactions that can be completed on a weekend since the Federal Reserve is closed. The funds personally left my position/account on XX/XX/XXXX, prior to the due date. Citi Card refused to remove the late fee of {$29.00}. Please see attachments marked XXXX pmt. 
I feel my method of payment is being discriminated against. I tested a similar transaction on a Saturday by going to their website and initiating a payment to Citi Card from my checking account on XX/XX/XXXX, a Saturday. Citi Card recorded the payment received from me on same day, but the funds were not received by Citi Card until XX/XX/XXXX, a Monday. The same day taken from my checking account. This was not considered late, but Citi Card is receiving the dollars on the following Monday in both situations. Please see attachments marked Example test. Why are they treating these payments differently? 
I have been a customer of Citi XXXX since XXXX. In XXXX I opened a second credit card with them. When reviewing the last few years spend, on average it is approximately {$16000.00} per year. I pay in full and timely all my obligations. The merchant fees they earn on my purchases are an estimated {$480.00} per year approximately {$3000.00}. So, for trying/forcing me to pay a {$29.00} late fee they are willing to risk losing a loyal customer. They took it even a step further and reported me late to the credit bureaus I recently discovered. I recently applied with a new vendor for credit and was denied because of their false reporting. I started earning credit forty-three years ago and have NEVER missed a scheduled payment. My credit rating has always been exemplary. Its disturbing that Citi Card can tarnish this and prevent me from doing business for {$29.00} late fee that I feel is charged in error. I paid timely. 
Please help me have Citi Card recognize that my payment was made on time, just like the example test transaction that I completed. I request that they also reach out to all credit agencies and correct/remove what they reported in error ( which I am also told was vague late payments ). 

Thank you for your time and consideration,
Complaint sub-issue: Received bad information about your loan

I am unable to get an amortization schedule of my loan online to determine allocation of principle and interest as well as when my loan will be paid off or when the loan will adjust since Im on the graduated payment plan. When I contacted Nelnet, on XX/XX/2018, the customer service rep was unable to locate my disclosures as well and asked to email them to me after they were requested from a different department. I called Nelnet because I noticed my original principle balance was approx $ 38k and now my payoff is approx $ 46k. Ive has my loan with them for about 8 yrs and my loan has increased about $  8k due to interest ; Ive never been late on a payment. At this rate Ill be paying on this loan until Im XXXX yrs old and my interest could easily be half of the original loan balance. I want to refi this loan ; however, Id like to see all my options to ensure Im getting the best rates and payment options. 

I know this is a violation of TILA as my disclosures should be available and accessible to me. I should know how my payments are being allocated and have been allocated as well as future allocation and rate or payment adjustments. Now I have to wait for another department to generate my disclosures. While I wait Ill become distracted with other things until I come back to it, in which theyll already have another payment with additional interest or Ill need to call back to make another request if I dont receive them timely.
Complaint sub-issue: Old information reappears or never goes away

There are multiple Hard credit inquiries for the same credit check on the account. 

XXXX XXXX was never given permission to pull hard credit but they did I called the bank they have denied to take out from Credit report. 

Please help me fix the issues currently my score is XXXX but my goal is to take it to XXXX I have been working hard to get there but some of the company hurts people like me to reach my goal. Please help me Thanks
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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: Information belongs to someone else

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.