Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, 15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A subsection2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Debt was result of identity theft

i am a single father of XXXX. i tried to purchase a home and was denied because of credit. when i seen my own credit there were several accounts that was not authorized by me.
Complaint sub-issue: Account information incorrect

I sent in a dispute on XX/XX/2022 and received no response. I then sent a 30 day ask to comply, and still nothing
Complaint sub-issue: Debt is not yours

My recently deceased adult daughter who was still on my medical coverage went to the dentist last year ( XXXX ). The dentist office, reported it to my credit instead of hers. Despite never receiving a bill. 

I'd moved to XXXX from XXXX  with a new number and never got a call or letter about an unpaid balance. When I recently moved back to XXXX and applied for a car loan on XX/XX/XXXX, I was denied due to a collection. I called the original creditor listed and was advised that that the bill was from my daughter and explained that she had passed away. The receptionist even stated that I'd never missed a bill and she was shocked. 

Since I intended to return to the dentist now that I was back in XXXX, I paid my daughter 's balance of XXXX {$200.00} on XX/XX/XXXX. I called the collection agency reporting the debt, Carter-Young Inc of XXXX, Georgia on XX/XX/XXXX and reported that I'd made the payment directly to the dentist and that the bill was not mine in the first place and should not have been reported on my credit bureau. 

I waited a week, until XX/XX/XXXX to call the dentist office back and asked about it not being removed from my credit bureau reports. On, XX/XX/XXXX I got alerts from each of the credit bureau monitoring programs I'd signed up for after the denial, that the account had been updated as unpaid. 

I called the dentist office on XX/XX/XXXX and she confirmed that the doctor had indeed gotten a response back from the collection agency that it was removed. I called the collection agency back and again I told them that this debt was never validated with me as the patient instead of my daughter, I didn't accompany her nor sign any documentation for that visit. I advised that it should not have been reported and was told it " should have because I should have paid it ''. I advised that I'd be filing a complaint and was told that the account was reported on XX/XX/XXXX to the credit bureaus, that they received confirmation from the dentist office on XX/XX/XXXX that it had been paid and not my account. I then asked, so why report it on the XX/XX/XXXX as not paid? 

They've had the receipt information and still reported an invalid debt on my credit report after notification from myself and the original debtor. I was told if I report it or dispute it that it would take longer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, 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: Received bad information about your loan

I can not sign up for auto pay, and this is something targets younger people to not have working. When I called for support, the agent gave me a due balance amount that was different than what was showing on my online portal, which could have caused me to have more fees if it was not enough. Additionally, when I asked for help figuring out why auto pay was not working, the agent muted the phone and ignored any follow up. I was also never called back.
Complaint sub-issue: Other problem

It has recently come to my attention that some CC companies, most notably XXXX  XXXX XXXX and Citigroup, are tracking legal firearms related purchases by their customers with the intent of denying the use of credit cards issued by them ( banks ) for such purchases. As an XXXX XXXXXXXX, XXXX and responsible citizen of the USA I find this Appalling. I am one of the tax paying citizens that bailed them out of their financial irresponsibilitys not that long ago. I believe this type of discrimination is illegal and is a direct violation of the US constitution. I will be asking the US Attorneys office to look into the matter. Also, I have credit cards issued by both of these banks and will be cancelling them immediately. 

Thank You XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

incorect persomal imformation on my credit report
Complaint sub-issue: Problem with balance transfer

On XX/XX/2021 I transferred a balance from BBVA/PNC credit card to my XXXX  XXXX credit card for a better APR. I called XXXX  XXXX and they confirmed the balance was transferred XXXX XXXX. BBVA/PNC continued to show the balance as over {$6000.00}. I called and spoke to several different representatives and they said no balance transfer had occurred and that I should make the payment, I did not. Both credit cards showed this balance and due to the fact that BBVA was transitioning over to PNC Bank I waited for them to update the information. I began receiving bill collection calls but BBVA/PNC had already told me that during this transition there would be no hit to my credit score. I finally spoke to an escalation representative for PNC on XXXX XXXX who told me I needed to prove this balance transfer with the canceled check from XXXX  XXXX, this was the first time a rep requested this. I checked with XXXX XXXX and BBVA/PNC Bank had only just returned the check on XXXX XXXX, they held onto it for XXXX months. Now my credit score has gone crazy it had dropped XXXX points but now it looks like its dropped well over XXXX!
Complaint sub-issue: Information is missing that should be on the report

I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted XXXX, Equifax and XXXX and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information
Complaint sub-issue: Problem using a debit or ATM card

On or about XX/XX/2019, I contacted US Bank to report 17 unauthorized charges made to my checking account using my debit card ending in XXXX. US Bank issued provisional credit to my account on XX/XX/2019 in the amount of {$4200.00}, inclusive of any fees associated with the fraudulent charges. Claim number XXXX was opened. I timely returned the affidavit of fraudulent charges and patiently awaited resolution of my claim. On or about XX/XX/2019, I received two letter from US Bank dated XX/XX/XXXX, and XX/XX/XXXX, indicating that US Bank has found in favor of the merchant and that they would be reapplying the fraudulent transactions to my account. I was shocked and surprised to see that US Bank is requiring me to pay for fraudulent transactions which I did not authorize nor did I receive benefit from. US Bank proudly displays its Zero Fraud Liability guarantee but it appears that it nothing more than a farce. US Bank has flouted federal law by forcing me to pay nearly {$4000.00} in charges which I did not make. My follow up calls to US Banks Fraud Department, Office of the President, and US Bank General Counsel XXXX XXXX has of of the date of this complaint yielded not results. 

I am considering filing a small claims action to redress my loss.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a verification on the negative items on my credit report. 
They stated that everything was accurate. I did a thorough research myself and found that it is still inaccurate on my credit report. 

Account- XXXX Account XXXX Account- XXXX XXXX XXXX Account XXXX Account- XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXXXXXX Account  XXXX XXXX in accordance with the fair credit reporting act each account above 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: Other problem

I called Best Buy credit card customer service to dispute debt protection plan charges that I never ask for on XX/XX/2020 ( around XXXX ). The customer service agent stated that Citi Bank doesn't offer the protection plan service and I would have to call the 3rd party service that put the protection plan on my Best But credit card. I had the CSR give me the number and I repeated it back, she stated that was correct. I called the 800 number that was given to me and it is no longer in service. My statements online only go back to XXXX in which I have been charged around $ XXXXfor the " Debt Protection '' service.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Complaint sub-issue: Debt was result of identity theft

I recently found out that Jefferson Capital System bought a debt from XXXX that I had no knowledge of. I am a victim of identity theft and they refuse to remove the information from my credit report or to fix the issue even after legal documents have been presented.
Complaint sub-issue: Debt was result of identity theft

Sometime in XXXX or XXXX this derogatory remark of this company appeared on my credit showing that I owe XXXX from a company name Hunter Warfield and creditor name XXXXXXXX XXXX XXXX 
I tried to dispute this over and over again for the last few years but nothing was ever done XXXX XXXX XXXX. 
I called this creditor on XX/XX/XXXX to address the issue and what to do about getting this off my credit report. They instructed me to file a police report and notarized affidavit along with 2 forms of I.D . 
This is not my debt and a fraud attempt someone has used in my name.
Complaint sub-issue: Problem with signing the paperwork

Hey you guys legal team told me that Carvanas business operations are compliant with applicable local, state, and federal laws and regulations. So whats up with you guys asking for cash down Im entering a consumer credit transaction because if its having a finance charge that means I have entered in a credit transaction and the finance charge is the sum of all charges, payable directly or indirectly by the consumer to whom the credit is and extended, and imposed directly or indirectly by the creditor as a incident to the extension of credit Which are ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system of additional charges. 
( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss And when I was trying to ask what type of transaction am i entering into she said I can find out on the website I said I dont see the finance charge and I dont believe I will see my terms for the extension of my consumer credit she said yeah you can I dont have to tell you because its on the app and on the website and when I went to both locations it failed to describe the nature of the transaction Im entering or what my finance charge is so I informed her without the informed use of credit that hurts our nation and she said is there anything else to help you with I told you where to find the disclosures and this is after you guys stated there where no wrongdoing and yall havent received the documents in the mail which was a purchase order : a document authorizing a seller to deliver goods with payment to be made later. That doesnt say anything about up front not to mention you guys act that wasnt a binding agreement but if you can look on page 3 of the purchase order it says in bold the following : Buyer acknowledges receipt copy of this Agreement. No oral agreements or understanding apply. This Agreement is not binding until accepted by an authorized representative of Carvana which seems to show XXXX XXXX and who position is Vice President CARVANA XXXX XXXXXXXX XXXX and thru all your actions has caused nothing but harm and distress to my life and I feel I have exhausted all my options and have no choice to give you proper notice of a possible claim against your Texas XXXX XXXX XXXX which protect me from malpractice and fraud by extending credit to the dealership whereby the principal, the dealer, is required to pay out on any claims. 

And if we can resolve this matter please contact me XXXX XXXX
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I received a call from XXXX XXXX XXXX requesting payment on behalf of XXXX XXXX not only for the debt but additional costs to keep this out of court. I agreed to pay a settlement amount of {$590.00} ( original debt was {$370.00} ). I paid it ( bank statement shows as Debt Solutions ) but later that day I received an email from them saying the amount was {$500.00}. I emailed them back asking for the payment amount to be adjusted but received no response. Today XX/XX/XXXX, my husband and daughter received calls stating that there was pending legal action against me and I needed to call XXXX and my file number was XXXX. I called back and spoke to XXXX XXXX and although she was very nice she told me that the balance was {$340.00} but they were suing me for Brach of contract and an attempt to defraud using an FDIC bank and would have to pay {$2600.00} if it went to court. I told her it was paid and I explained that I was at work and the proof as at home did I have time to get that documentation together and she couldn't really answer that question so agreed to pay it and take it up with XXXX XXXX. I have made multiple attempts to contact them by phone but when I do it tells me to enter the last 4 digits of my SS # and after multiple tries it tells me this has been turned over to a 3rd party please contact and it doesn't actually say a company name just if I think it is an error press zero so I do and it either disconnects or tells me they are closed. I also attempted to contact them via email. I have proof of both of these payments ( as well as the payoff information on a line of credit I just paid out with them ). I also went back online to verify the 1st payment to XXXX & XXXX/Debt Solutions this evening to be sure I was not mistaken on who that was for and it is definitely XXXX XXXX that I made the XXXX payment for and now it shows a credit balance of {$220.00} and says the settlement offer is {$250.00}??? I have copies of that as well.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I mailed a letter about inaccurate accounts showing on my credit report and asked for an investigation. It has been 2 months and I still haven't received results of an investigation and these unverified accounts are still showing on my credit report.
Complaint sub-issue: Didn't receive terms that were advertised

Opened a checking account with Citibank 's branch in XXXX in XXXX in mid XXXX, where I was promised free checks to be made available as a part of the account opening. No checks were sent to me for 5 weeks. I tried weekly to get a hold of the customer representative who opened the account, to no avail. I assume the branch has been closed due to COVID-19 but have no way of finding out as I don't live in XXXX. 

I tried tried contacting customer service representative twice and was put on hold indefinitely without any response. Being without checks for almost 2 months I went on the company 's website and found there was an order checks option. I chose it and it gave an option for 1 or 4 boxes. I chose 1 and proceeded to submit. No dollar cost was given, so I assumed it was handled without a cost. Following 1 more week without any checks, I again went on their website and chose to print again, this time for 4 boxes. Again, it did not mention any costs. I submitted for printing to be done. 

This week I was sent 4 check boxes, and my account my charged {$100.00} without any prior indication of the costs. I contacted customer support, and was finally able to speak to a representative who said he could not reverse the costs, but I should go to my closest branch with the checks and get reimbursed. I went in today and explained the story and was told they can not reimburse as they are not the branch with the account. 

I expect the charge to be reimbursed as it was promised for free and after 2 months, no checks were ever given and the printing costs were never disclosed by Citibank. 

I have emails from the customer representative until the opening of the account and promise to provide free checks, made by XXXX XXXX XXXX.
Complaint sub-issue: Debt was paid

Dear CFPB, Below this line is the response I received from RECEIVABLE MANAGEMENT SYSTEMS to my complaint cfpb file : XXXX-XXXX  " Thank you for reaching out to our firm. We have reviewed your account. Upon review of your account, the itemized bill that was sent to you on XX/XX/20 is from the original creditor, XXXX XXXX in regards to the services received. Our firm has also requested additional documents from XXXX XXXX and upon receipt of requested documents, will be mailed to the consumer at the listed address in this complaint. Please contact our firm directly should you need further assistance in resolving this matter '' It has been more than 7 months that I have been expecting RECEIVABLE MANAGEMENT SYSTEMS to do the right thing and send me validation of the debt they claim I owe. Or at least delete this erroneous account which is detrimental to my consumer report. Please review the attached file to note that this account is still on my credit report and hurting my ability to obtain credit.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the 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 account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I have been identified as a potential victim of the Equifax security breach. My personal information such as social security number, addresses, drivers license information, and more personal identifying information has possibly been breached. 

I was notified of this possible breach through news media on XX/XX/XXXX, and never through Equifax. I opted to look up my information on their website ( https : //www.equifaxsecurity2017.com/ )  designed for inquries. They indicated I may have had any information they had on file for me compromised. They did not say which pieces of information, but that I may come back to the site on XX/XX/XXXX to take further action, which includes credit monitoring by their company- which has been proven to be ineffective from a security standpoint.
Complaint sub-issue: Trouble using the card to spend money in a store or online

A card was given to me from XXXX XXXX  that has XXXX on the back in XXXX XXXX  XXXX with an expiration date of XX/XX/XXXX. 

This is in violation of the credit card act of XXXX which states that a gift card can not expire within 5 years of issue. 

I called XXXX  and transcard about having another card issued for the remaining balance but they refused to issue a card or compensate me in any other way even though I told them that it is a violation of law to forfeit the balance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have this account that is not mine and i want it to be removed. 

XXXX  1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft VW CREDIT INC Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft VW CREDIT Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.