Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

This company has failed to provide me with adequate information to assist me in investigating the alleged debt of {$360.00}. I have also reached out to the company and provided them with enough time to provide me with debt validation.

They sent me a document that was seemingly manipulated ; consequently, I requested pages 1, 2, 4, 10 and 11 of what appears to be a Purchasing Power Agreement as evidenced by the attached letter and proof of delivery.

I am eagerly awaiting proof that this alleged debt is mine and has not been paid. Failing which, I implore Dyck O'Neal, to undue all negative action that it has taken thus far.

It is to be noted that this is not a duplicated complaint but this refusal to supply documentation to validate the alleged debt is contrary to the FDCPA. Furthermore, it appears that Dyck O'Neal has deliberately withheld material information relating to this case because pages 1, 2, 4, 10 and 11 were missing from the inadequate documentation they sent me through CFPB following my previous complaint ( s ).
Complaint sub-issue: Personal information incorrect

wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA. XXXX work : XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I, XXXX XXXX purchased carpet at Home Depot. I went to the store twice. The first order I cancel it and purchased another color. Home Depot did a bad job with the installation on the carpet. I called them and they stated that Home Depot settled the matter with me and they refused to look into the matter. <P/>Citibank should not take sides with Home Depot I am the one paying them. And Home Depot and I are in the courts over this case. But Citibank should look at what information I am telling them and showing them that the amount on the card was wrong they do n't care they refuse to speak with me and they are my bank. CITIBANK SHOULD LOOK INTO THIS MATTER AND TAKE OFF MY CREDIT CARD WHAT I DID NOT AGREE ON PAYING. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX Balance : {$6300.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX reported my account as late although I did send them the payment and the Late mark was due to a system error. When my XXXX account was sold from XXXX to XXXX  I was never informed. Although I sent my payments in on time the payments were never applied because XXXX credit card switched back without my knowledge. This resulted in a late payment through no fault of my own.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I received notice from Ragan and Ragan regarding a debt that I did not recognize and filed an identity theft case with FTC on the identity theft website and sent a letter of validation to Ragan & Ragan on XX/XX/2022. On XX/XX/2022 they requested a default judgment and did not comply with my letter within 5 days and continued to collect the debt and sue me. I did not receive any validation so I sent a second letter of validation dated XX/XX/2022 and specifically stated that they should send me everything in writing and to stop all phone calls. Ragan & Ragan continued with the case and filed for a summary judgment on XX/XX/2022. On XX/XX/2022 they continued to call my phone and left a voicemail message to call them which violated my cease and desist letter regarding phone calls. On XX/XX/2022 I received a notification from Ragan and Ragan which included information about the debt which I disagree with so I filed an objection to the summary judgment on XX/XX/2022 and oral arguments will be heard on XX/XX/2022.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Accountname- XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA the term XXXX investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX XXXX XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I Have Inaccurate Information on my credit Report, My Credit report Shows that i have 3 Different addresses. I've Never Lived at those Addresses Listed the only Address that i Lived at is XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. I need those other addresses Removed immediately, I never gave them Permission to report any of those addresses. 
I also Have found multiple errors on my Consumer Report that are Listed below XXXX XXXX ACCT XXXX XXXX BALANCE : {$46.00} THIS ACCOUNT WAS NEVER LATE XXXX XXXX  XXXX XXXX ACCT : XXXX XXXX : {$9700.00} Remove this Account Immediately XXXX ACCT : XXXX XXXX Remove This Account Immediately XXXX XXXX  ACCT : XXXX balance : {$650.00} Remove this account Immediately 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.
Complaint sub-issue: Funds not handled or disbursed as instructed

My name is XXXX XXXX, XXXX My Cash App Tag ID is $ XXXX. 
This is an amendment to Complaint ID XXXX that was submitted on XX/XX/2022. I should have made the Claim against Cash App instead of Bank XXXX XXXX for the following reasons : 1. I recalled that I was surprised because as I was attempting to select the option to transfer the funds on a later date, ( which would have been Thursday, the XXXX ), in order to avoid fees, instantaneously, the screen that showed the {$100.00} that XXXX made to my Cash App Acct., immediately changed to a screen that was showing a transfer/deposit, minus a {$1.00} transfer fee, to my XXXX XXXX XXXXXXXX Acct XXXX 

2. Also, I thought it was strange for Cash App, in response to my Claim, to refund me {$1.00} for the transaction fee. Normally, you would incur a fee for a same-day funds transfer of funds transaction. 

3. I have been banking with XXXX XXXX XXXXXXXX and never had a concern with their management of my account that was not immediately resolved. 

BACKGROUND OF MY INITIAL CFPB CLAIM On XX/XX/2022, my friend, XXXX XXXX sent me a Cash App payment of {$100.00}. I requested Cash App to transfer/deposit that payment into my linked XXXX XXXX XXXX checking account. Cash App provided me with a transaction receipt indicating that the transfer was claimed to be completed on that same day. Transaction Receipt attached. 
However, XXXX XXXX XXXXXXXX has no record of that transaction. Cash App claims that upon their investigation into my claim, they found that the funds were transferred to XXXX XXXX XXXX. However, they refunded me the {$1.00} transfer fee.
Complaint sub-issue: Public record information inaccurate

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, fXXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections. My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. I have tried credit repair bureaus and have sent numerous documents to all three credit-reporting bureaus that included-in the case of XXXX XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.
Complaint sub-issue: Account status

There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in Equifax XXXX XXXX XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting erroneous items on my credit report. The items do not belong to me. I have requested for XXXX XXXX to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to XXXX XXXX under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and XXXX XXXX refuses to comply with Section 609 FCRA. XXXX XXXX DOES continue to verify the information as accurate without complying with Section 609 FCRA.

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. XXXX XXXX is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. XXXX XXXX is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out certified over 90 days ago and still have not been notified. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done. I'm a single mother of XXXX and life is hard enough as it is without having this extra burden on my shoulders.
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$120.00}.

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.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXnce of {$11000.00} -This is not my account.

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} 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. 

-- XXXX ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4200.00} -This is not my account.
Complaint sub-issue: Account status incorrect

I am writing in regards to our mortgage company reporting late payments while in Forbearance. We entered Forbearance in XX/XX/XXXX after my husband lost his job in XXXX to COVID restrictions, the company went out of business. We began making our payments in XXXX and asked to end our forbearance. We agreed from the start to roll our missed payments to the end of our note, per the rules stated in the CARES Act. I called & spoke with our mortgage company at least every 7 to 10 days to see when our paperwork would go through ; each time the recording or team member would tell me that our home was protected by the CARES Act : it would not be reported to our credit, our home was protected from foreclosure and that you do not have to make a house payment while in forbearance. 
I received paperwork at the beginning of XXXX and much to my surprise it was for refinancing our home for 30 years at a wonderful interest rate. I called and spoke to a team member and explained that we were not interested in a 30 yr. mortgage and that we wanted what we agreed upon to begin with back in XXXX. She stated that the refinance was implemented in the CARES program to lower monthly payments and that she would put in the request to roll our payments to the end but it would be another 3 to 4 weeks until I should expect them in the mail. 
We began looking for refinancing on our home for a 10-year fixed rate because the interest rates had dropped so low. We had a credit score of 750s or so I thought, I checked our scores and they were XXXX & XXXX, I was told that until our forbearance ended that they could not begin refinancing paperwork ( CARES Act rules ) and that our credit had to be a XXXX or above and that the interest rate was higher with scores this low. 
I received our house paperwork and had to have it signed, notarized & postmarked by XX/XX/XXXX. It was done and completed. So my problem is my credit is ruined because my mortgage holder did not follow the guidelines and we have lost out on a chance to save thousands of dollars in interest on our home/farm. 
I have filed a dispute with XXXX, XXXX and XXXX on this matter and also wrote to the mortgage company about this matter.
Complaint sub-issue: You never received your bill or did not know a payment was due

On or around XXXX XXXX, XX/XX/21, I signed up for Auto-Pay with my Best Buy Credit Card, by Citi Bank. The option for Auto-Pay selected was " Minimum Amount Due. '' The terms and conditions did not disclose a preset payment would be automatically withdrawn from my checking account, in the event I made a payment earlier. 

In this scenario, My due date was XX/XX/21, for the Minimum Amount Due of {$29.00}. I processed a successful payment of {$300.00} on XX/XX/21. This payment posted by account, as I checked online, where also, my minimum due online was {$0.00}. I was still drafted {$29.00} on XX/XX/21. Essentially, the auto pay does not look at the minimum due amount. The issue is that when the statement generates their system automatically schedules the minimum due on that date. 

I feel this is very abusive because there was no minimum amount due. I do want to keep the auto pay but only when I have forgotten to make a payment, in by case for a backup plan, so that my credit remains unaffected.
Complaint sub-issue: Debt is not yours

Ran a check on my credit and found 2 debt collections from same company. Contacted them last week to dispute it and was told that I would receive information about the account because I have no knowledge of the accounts in question. Instead, I received a notice that I have 30 days to dispute it or I'm liable for them. I do not know anything about these accounts so I want detailed information about these accounts. I've attached the notices for your review.
Complaint sub-issue: Didn't receive enough information to verify debt

I Consumer XXXX XXXX XXXX XXXX entered into a consumer credit transaction with CarMax Auto XXXX, XXXX XX/XX/2020. A consumer credit transaction in which a finance charge was involved 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance does not include cash, but CarMax Auto XXXX XXXX took cash. The Finance charge is suppose to include insurance, but CarMax Auto XXXX made purchase Separately. 

XXXX XXXX DEPARTMENT HELPED XXXX XXXX XXXX RECOVERY REPO MY VEHICLE ILLEGALLY FROM XXXX XXXX XXXX PARKING LOT VIOLATION 15 USC 1692 E ( 5 ) & 15 USC 1692 D ( 1 ) & 15 USC 1692 F ( A ) & ( B )