Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Impersonated an attorney or official

I was contacted by this " attorney '', to help me settle a debt. I was told that if I did not make settlement arrangements that I would be served with court papers at my place of employment. Because he sounded legitimate, I made arrangements to make payments on the debt by giving him my debit card number. Upon speaking with my spouse, I found that I have never had an account with this alleged attorney 's client. I can not find this man listed on any states Attorney 's Bar list, however, the emails that they have sent clearly look like they are from an attorney 's office, and the gentleman did tell me he was an attorney.
Complaint sub-issue: Reporting company used your report improperly

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Complaint sub-issue: Account status incorrect

The debt is with XXXX XXXX XXXX. The debt was paid however was sold to another creditor and is reporting false information on my credit report implying that I never paid and still owe. The false information should be removed from my credit report.
Complaint sub-issue: Other problem

I tried to use my Home Depot credit card on XXXX XX/XX/2020, but it was declined. The account has an {$8800.00} credit limit, and there is no outstanding balance on it. 

I called XXXX at XXXX XXXX  and used the last four digits of my social security number to access my account. After making the appropriate selection in the phone prompts, my call was answered by someone in Citibank 's probate department. 

I explained to the man on the phone that I was not dead. He transferred me to the internal recovery department. The internal recovery department did not provide me with any information, and would not answer any questions. The woman I spoke with told me I have to call back tomorrow ( XXXX XX/XX/2020 XXXX and speak with the probate department. 

I am not dead. I also do not owe anything to Home Depot or Citibank as I paid my bill in full in XXXX of 2020.
Complaint sub-issue: Account status

XX/XX/XXXX-XX/XX/2014, we were in the process of moving. We did not have a balance on this credit card. Unbeknownst to us, they added a monthly fee anyway. This particular company will not allow you to overpay, even when their system takes several days to process a payment ; days in which they continue to charge interest. A few months ago, we had another problem, their fault, and after speaking with customer service, we were told that both problems were taken care of. That all we had to do, anytime there is an issue, is call them. They stated that we were not reported for nonpayment to the credit bureau. This was supposed to be taken care of. Otherwise we threatened to close down this account. You can see that I am trying to improve my credit, any way I can. This one report is n't easy to overcome with the few repots I have. Thank you for your time. XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

unauthorized use of my report.
Complaint sub-issue: Old information reappears or never goes away

I have been working on my credit for years trying to keep payments on time paying off vehicle loans credit cards credit, it does not matter how much you pay off or down how many credit cards you get at ridiculous interest rates to build your credit your credit score goes down it never gets pass XXXX or XXXX because then you as a person of XXXX might get decent interest rates be able to afford something live better for old inquiries it stays on you credit never mind it takes your score down it's left on there for what reason, how long are the credit bureauls going to keep practicing rasism with people of colors scores my score is the same as in my XXXX it never went to a XXXX we start at 0 with high interest rates hospital bills have know become a new way to keep  these XXXX pesticides along with hard inquiries and stuff you don't know where it's coming from then you have to keep fighting to get it off even if you have insurance I have 2 hospital bills on my credit the whole time if been going to the doctor under the same medical insurance and these remain on my credit, we are being pushed out and given the highest interest rate and America says they are takeing care of all no you take care of XXXX America is you give us the lowest, this system that was put in place to systamaticlly take down as many XXXX and XXXX Americans with its unfair practices needs to be taken down and replaced with a system based on equality not XXXX because all 3 beaurals are guilty of this practice you pay off bills and your score drops no this was built to keep us just where we are at poor
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, On XXXX XXXX I made an online purchase at XXXX in the amount of {$450.00}. After a week or so I had not received anything and checked the website. The website had disappeared from the internet. I immediately called my Best Buy Visa to report suspected fraud. They cancelled the card indicated I was not liable for the amount and took the {$450.00} charge off my balance. Later after two letters from Best Buy Visa they indicated that the investigation indicated there was no fraud and recharged my account the {$450.00}. I have the confirmation of the order that XXXX sent me but nothing ever arrived and it would appear the site was a fake site. I am angered as I did everything I was supposed to do in this situation. Thanks for your help.
Complaint sub-issue: Problem with customer service

After graduating from XXXX XXXX 2013, I was accepted at XXXX XXXX University with XXXX GPA. One year and a half later, due to family medical issues, my parents had to remove me from XXXX XXXX University. I tried to into a community college, but due to our debts at XXXX XXXX, they would not release my transcripts. My Dad saw an ad from the XXXX XXXX XXXX, stating if a student enlists in this service, their loans will be paid, and they will receive a bonus after completing XXXX and XXXX XXXX. This turn out to be an outright lie. Now over two years in the XXXX XXXX XXXX, proper training for XXXX, have not been granted to me. The recruiter officer, advised me and my parents, I will get $XXXX per month for XXXX XXXX, my bonus of $XXXX  after XXXX, and payment for my student loans, which never happen. So far it took one year for the XXXX XXXX XXXX to pay $XXXX, with most taken out in taxes. Six months ago, I sign up for XXXX XXXX XXXX in the XXXX and still waiting for my release papers. According to Nelnet, I have a student loan balance over $16,000.00.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has been on my credit report for over 7 years. This should have been removed. I have disputed it several times an no results.
Complaint sub-issue: Old information reappears or never goes away

I have settled and/or paid off accounts and they continue to report long after the stature of limitations.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed with the XXXX and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Macys Acct XXXX Macys responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

XXXX XXXX XXXX XXXX Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with XXXX and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXX XXXX Balance : {$7600.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent multiple letters to XXXX  XXXX and Equifax requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the Court and they stated that they do not validate anything. I wrote both Equifax and XXXX XXXX to give them an opportunity to verify that data. Equifax wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Equifax allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in black and white.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Personal information incorrect

There are two complaints I have to file that are interrelated to each other. The first is that Nelnet, my student loan company, changed the address and phone numbers on my account without my knowledge or consent. I would like to know exactly why and how this could have occurred. Second, this change in my contact information had a direct negative impact on my FICO credit score. From what Nelnet has told me they did not receive proof of income from me when they requested it XX/XX/XXXX. I did get the notice and sent it. In XX/XX/XXXX I received a letter/statement from Nelnet dated XX/XX/XXXX current balance {$35000.00} current amount due {$0.00}, Leading me to believe my account was in good standings. During this time I had moved from XXXX, XXXX to XXXX XXXX, XXXX. One day I had happened to be checking my junk email and came across an email from Nelnet stating that stating to reply yes to keep my forberance this was in XX/XX/XXXX, which i did. I qualify for the program because I receive XXXX XXXX XXXX. I called a few weeks later and followed up to check to see if my account was in good standings after i replied to the email because I was going to begin the process of buying a home. I called Nelnet and the representative said yes your account is in good standings and I do not owe anything at this time. The representative and I went on to update my address and phone number when she was asking me about an address somewhere in XXXX XXXX and phone numbers that once belonged to my former mother in law and ex husband. I was a bit baffled by this but continued to update my information. As i was saying I was looking into buying a house. My financial institution that I was going to get my loan from, whom I got my car loan from ran my credit report and said that Nelnet had reported me over 180 days late on my student loan payment which I still dont understand how this could be. I last checked and my foreberance was good for a year. as well as if there was an issue of them not receiving needed documentation they could have contacted me. yes my address and phone numbers changed to XXXX from XXXX. If Nelnet was trying to reach me why did they not actually look for ME? I am easy to find with the resources they have. Had they automatically updated my adress to where I was at not former relations of mine then I would never have gone over 180 days late on any payment.
Complaint sub-issue: Problem getting my free annual report

unable to verify me. I have not had any credit cards in at least five years and my mortgage is an individual, not reported.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Reporting act XXXX  account 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Listed are some additional XXXX  accounts that violated my rights, 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: Was not notified of investigation status or results

On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.
Complaint sub-issue: Problem with rewards from credit card

Citibank has already responded to my previous CFPB complaint stating that they are not responsible for what happens to my XXXX XXXX miles. The other day I received an email from XXXX XXXX that stated my XXXX XXXX frequent flier account was closed because of the following " if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. '' I am refuting this information because every single credit card I applied for did not have this 48-month language nor did it have any information at the top of the application page that would stipulate not being able to get a bonus ( screenshot/pdf are provided ). 
XXXX XXXX has directly put the blame on Citibank. I have tried every single possible resolution I can think of, and I have attached that documentation of all correspondence I have tried to make with every government agency I could think of. 
I am at the very last stage before I submit a demand letter. 

The attached documents will clearly outline the situation. I believe that Citibank and XXXX XXXX worked in cahoots with each other in order to shut down accounts that were not profitable to them. 

Every single credit card I applied for was vetted and approved by Citibank. I put in all my information, social, address name, etc. None of the applications had any language about 48-months or anything about already receiving a bonus. 

I received the bonuses for all credit cards opened for XXXX XXXX Platinum cards from Citibank because I was in line with the terms and conditions, they did not state anything about getting multiple bonuses nor a timeframe in which it could be done. 

I have attached multiple examples of the Citibank XXXX  XXXX offer that does not have the terms and conditions at the top of the application page. Along with an application I saved as a PDF, that clearly doesn't say anything about 48-months or any restrictive terms. 

Documents XXXX is a reply from XXXX XXXX  blaming Citibanks 48-months. 
AA-timeline is how I've tried to fix this. 
XXXX is an application page without any terms. 
The XXXX is the top of an application page to match the XXXX terms. 
The XXXX are application pages ( top ) without any restrictive 48-month language. 
AA-mailer_TOC - show that there is no restrictive bonus sign-up language. 
AA-valuation-miles : It states " Five ( 5 ) First Prizes : XXXX AAdvantage miles will be awarded to the winner 's account. First Prize ARV : {$1900.00}. '' This is how I came up with the valuation of miles at XXXX cents per mile, based off of AA 's valuation of them ( for tax purposes )
Complaint sub-issue: Reporting company used your report improperly

Credit karma said that the credit cards saying I was pre approved for, were incorrect, causing a hard hit to my credit score. This effected my house buying g process.
Complaint sub-issue: Information belongs to someone else

I have sent multiple requests to Equifax requesting proper validation of a damaging unknown collections account in the amount of {$75.00} listed on my credit report. I have repeatedly told Equifax that this debt is not valid and does not belong to me. Equifax has blatantly ignored these requests and has repeated stated that the debt is valid without providing me any proof. The account on my report keeps coming back as verified but I as the consumer have not been provided with one shred of validation or verification documents which I specifically requested in said correspondence. Under the FCRA, I as the consumer am legally entitled to view the documents used in this investigation. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said account be removed from my credit reports. Thank you for your advanced cooperation.
Complaint sub-issue: Account information incorrect

I recently reached out to the TN Dept of Human Services regarding inaccurate information that they have supplied to the credit reporting agencies.

They are in clear violation of 15 US Code Sec. 1681s-2 : Responsibility of furnishers of information to consumer reporting agencies, because they do furnish information and they have a duty to provide accurate information - THEY HAVE FAILED TO DO SO.

I have asked that they validate the debt - pursuant to 15 US Code Sec. 1692 g validation of debts, I have a right to request all information pertaining to said debt, as this company continues to garnish my wages and I KNOW THAT THIS HAS BEEN PAID OFF, therefore, show me the amount that I owe. 

This erroneous information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. 

I am including my check stub, the letter received from the furnished, and the inaccurate information that they continue to furnish. 

Your assistance in this matter is crucial THIS FURNISHER IS IN COMPLETE VIOLATION AND THEY ARE IN WILLFUL NON COMPLIANCE
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I have been trying to resolve this issue since getting notice that it was on my credit file. An account from XXXX XXXX for over {$2000.00} is in my name. Now I have never had a XXXX XXXX account Ive been with T-Mobile for well over 7+ years. I notified Jefferson Capital systems to send me the deb collection in writing so I could take the proper steps in getting it removed. The account used my personal information but has an incorrect address. After telling that to the debt collector they told me there was nothing they could do and offered me a {$840.00} settlement amount to remove it from my credit file. I then pulled my entire credit file to find numerous incorrect addresses spellings of my name and also 2-3 filings from the same company in different amounts. I have already gone thru XXXX XXXX in terms of a dispute in the past but everytime it comes off Jefferson Capital just files another collection for the same bill. I would like to have this fraudulent account removed from my credit file. The only address that should be listed is the XXXX XXXX XXXX address. Any other address shown is incorrect.
Complaint sub-issue: Personal information incorrect

To whom it may concern. The information on my profile is not correct, when Creditors pull my credit report they see this as high risk. I have multiple addresses, multiple names, and employers on my report. All which is in error and lets creditors know I am not stable, can not keep a job, or using different names. This is definitely harming me with attaining a background check at my job also, getting new opportunities with new credit.
Complaint sub-issue: Debt is not yours

Lexis Nexis has failed to respond through written communication within 30 days from certified mailed letter that was signed by XXXX on XXXX. Lexis Nexis has violated the FCRA 611 ( 15 U.S.C 16811 ) that they did not provide me with a description of the procedure to determines the accuracy and completeness of the disputed information. In dispute letter I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy, who they referred this dispute to ; and who responded back with the required " verification ''. In the meantime, I also obtained a letter from the U.S. Bankruptcy Court which clearly stated that they do not provide any information to the Credit Bureaus. Furthermore : Please Note : Bankruptcy Rule 9037 which states that " personal identific.ation information defined as individuals Social Security, and tax payer identification numbers, names of minor children, last four digits of financial account number, and dates of birth, be redacted from documents filed with the court. " Therefore, ( XXXX XXXX XXXX ) claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance