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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

There was fraudulent charges to my account and Citi card and the company is charging me for the over drawn balance.
Complaint sub-issue: Didn't receive enough information to verify debt

I saw a collections account on my XXXX XXXX XXXX that showed a recent open collections from Carter Young. I never received written mail, email, text or verbal call voicemail letting me know there was an account going into collections on a bill that i never received in the mail or digitally in email. 

I have called then 3x times this morning and been hung-up on 3 times. I have reached out via online chat just to have it ended early with out any help or direction to take care of this.

I just want to get this taken care of but Carter Young is putting up roadblocks/ not aiding in getting this fixed. I have read reviews that they have been reported to the XXXX before so I hope something is being done or looked into about this companies and their managers practices. 

My credit score has been negatively impacted due to their tactics, lack of transparency and blatant lack of following consumer laws. 

At this point I don't know how to go about getting this fixed because they hang up before you are able to get your debt issues figured out and fixed.
Complaint sub-issue: Investigation took more than 30 days

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
US DEPT ED Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
US DEPT ED Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : BETTER BUSINESS BUREAU XXXX : XXXX XXXX XXXX : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out certified over 35 days and have been notified. I feel like these guys are taking advantage of regular people. After recently reviewing my credit report I noticed several inconsistencies regarding the accounts information attached. I sent a second letter to the Equifax after 30 days because I haven't received and documentation.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates payments will be removed. 
XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1000.00} XXXX  XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX  {$0.00}
Complaint sub-issue: Debt was paid

Jefferson Capital is a debt purchaser. Initially they had two amounts reporting as delinquent on my credit report from XXXX: $XXXX and $XXXX for the same date.  I filed an official dispute; the results said the debt was verified as accurate but that is incorrect. I contacted Jefferson and spoke to XXXX—op #XXXX.  She said the $XXXX   would automatically be removed but I had to speak to a second operator for the other amount. I spoke to XXXX—op #XXXX.  She referred me to Supervisor XXXX XXXX who said the other charge would be removed and updated on my credit report within 30 days.  I told him the erroneous charge had prevented me from obtaining a mortgage to purchase a home and I wanted it in writing that the fake debt was removed. I just got an update on my report.  Instead of the bogus debt being removed, another late payment has been falsely reported. I was on a payment assistant program through XXXX XXXX for XXXX.  The account was reconciled every quarter and I was notified of my portion still owing.  I paid the bill and even included a screenshot of my bank account substantiating the payment had been made.  I did inform Mr XXXX that I would report the fraudulent charges to the Attorney General if they weren’t promptly removed.
Complaint sub-issue: Account information incorrect

EQUIFAX CREDIT BUREAU - My credit file information has not been updated since XXXX 2018. I didn't pay much attention to this when I would pull up on XXXX XXXX. I Thought because of the security breach etc. that it was just on sites like XXXX XXXX. 
Recently i went to apply for a mortgage, and the Equifax Report came back reporting outdated information from XXXX 2018 ; and had my overall credit card debt recorded at over {$4000.00} higher than what it was and compared to what XXXX and XXXX should of been. In addition they had a collections on there, that had been canceled. When I contacted the Company they stated they sent Equifax a letter back in XXXX to delete off my credit. 
I have reached out to Equifax on many occasions even by confirmed priority mail and my account is still not updated. I have called several times and each time i get an inept person telling me ; they can't verify my information and i'm not who i say i am. I have sent copies of my SS Card, Drivers ' License and all correct balances. 

I am so frustrated as this has affected my overall interest rate and mortgage application and they are taking their good old time with no Actions to correct and had. Equifax had not updated any of the information ; therefore making my overall monthly debt to income ratio look bad, as well as my overall score lower than what it update.
Complaint sub-issue: Funds not received from closed account

I would like to resolve 2 problems going on with Citibank : 1. Problem : In XX/XX/XXXX, I received a letter from Citibank that they were terminating banking relationships with me and since that date ALL my 4 bank accounts were locked/frozen removing any type of access. I called Citibank asking for a reason to this action and they explained that due to money received from the SBA into a personal account and not enough documentation, they were going to return the money to SBA in a period of 30-60 days. In XX/XX/XXXX, I got another letter from Citibank explaining that the money was going back to the SBA. 
Today is the date that Citibank has not returned the money to the SBA. I called the bank today XX/XX/XXXX and they said that the process was going to take between 30-60 days. The problem is that I always get the same response and more than 60 days have passed and Citibank doesn't return the money. I don't understand why it would take SO LONG for Citibank to return the money if they know that it's going back to the SBA. I need Citibank to return the money to the SBA so I can resolve this problem directly with the SBA. 
2. Problem : One of my bank accounts that got locked/frozen is a joint account that I have with my wife. In XX/XX/XXXX, my wife was expecting the IRS Stimulus check ( she thought it was going to be mailed ). Unfortunately, on XX/XX/XXXX the IRS deposited the stimulus check to the bank account they had on file and Citibank accepted the money and they didn't reject the transaction. My wife has called several times to the bank asking for the money and the only response she gets is " We don't know what's going to happen, please call back again ''. This money has been hijacked by Citibank for over a month and they have no intention to either return the money to the IRS nor to my wife.
Complaint sub-issue: Problem with additional products or services purchased with the loan

I purchased a 2014 Volkswagen XXXX XXXX for {$8000.00}. I've paid {$350.00} for the past 40 months. Volkswagen still says that I owe another {$10000.00}. The turbo went out on the vehicle in XXXX. I have a contract with XXXX. Volkswagen contacted XXXX. XXXX refused to honor their contract, ( which was 2 months old ), therefore Volkswagen refuses ( to repair turbo, which is still under manufacturer warranty for the XXXX  ) unless or until I or XXXX pays the {$1900.00} for the thermostat. I considered trading in the vehicle, but received no help just suggestions and excuses. I then decided on a voluntary repossession. I need your help.
Complaint sub-issue: Debt is not mine

Credit history request- never authorized, company not recognized
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, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XX/XX/2021
Complaint sub-issue: Can't use card to make purchases

Hello! 
I got XXXX credit card by Citibank, and one day I got e-mail, -I think its fraud, but its say something suspicious going on with my account, I log in online to my account- and see message need contact asap by phone- so I call, and I contact with customer service representative, this lady say will contact with me- to prove me is me, OK, I wait 2 days- nobody contact, call again and ask supervisor- again explain- and this lady also say-will contact with me,- and nothing happens. Now- I have credit card blocked any transections, and I have no idea- with who I suppose contact more????
Complaint sub-issue: Information belongs to someone else

ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.
Complaint sub-issue: Information belongs to someone else

Equifax is in direct violation of 15 USC 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
On XX/XX/2022 I sent Equifax my identity theft report, a copy of my ID, my statement, and a copy of my credit report. Equifax has received my documents but has failed to remove the fraudulent items from my report. In this complaint I have enclosed the following documents again ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I paid off my loan in XXXX and US Bank never released the lien. My car was totaled on XX/XX/XXXX. I was offered {$7800.00} from the insurance company however since USBank never released my lien they wont send me the check. I have called USbank 5 times over the last month trying to get a lien release letter to send my insurance company. The first call was in XX/XX/XXXX Every time I call they ensure that the letter will be sent. One time promising a fax that never came. It has now been 7 weeks since my accident. I still dont have money so I have been without a car for this entire time. I just called USbank today XX/XX/XXXX and they told me its a 26 day SLA for the letter request! My car has been paid off for 5 years. How can they continue to hold a lien on my car?
Complaint sub-issue: Problem getting your free annual credit report

Around XX/XX/XXXX I tried to get my free credit report online from Equifax via the Annual Credit Report website. I answered all questions and then was presented with a webpage telling me I could not access my report online. I thought perhaps that I had requested it less than a year from the previous request. I subsequently requested and received my report by mail. The same problem was repeated this year around XX/XX/XXXX. After following the directions, I was again presented with the webpage saying I could not access the report online. I tried again several times since then including today ( XX/XX/XXXX ) with the same results. Sometimes I would be asked security questions and sometimes there would be no questions before telling me I could not access the report online. I made several phone calls to Equifax customer service including a supervisor. I explained the situation telling them I wanted online access. I asked them for help to do that. Each time I was told that Equifax was unable to help me since the website is on a " government computer ''. The Supervisor told me there may be a problem with my file and that I should call the dispute department. I called the dispute department today and was also told that the website was on a " government computer '' which meant they could not help. No one ever made any attempt to help me figure out the solution to my problem. Everyone was adamant that Equifax could not help me. The dispute department suggested that I do a web search to find out what agency in the government could fix my problem. I was able to find the CFPB so I could file this complaint against Equifax. I would like to receive my credit report online but have no idea what I am doing wrong or if there is some other issue keeping me from having access. I should note that I made every attempt to ensure my answers to the security questions were correct. I never was told that any answer was incorrect.
Complaint sub-issue: Indicated committed crime not paying

On XXXX XXXX, XX/XX/2015, at XXXX, I was contacted by my grandmother regarding a phone call she received. My grandmother stated that a woman called her claiming that if I did n't call her back today, a sheriff would be sent to my home. I called the phone number given to me. The call was first answered by a man who gave me hisname only. Upon telling him my name, he identified the company as " XXXX XXXX '' and transferred me to my case worker. The next person I spoke to was a woman who said she needed to retrieve my file. While apparently shuffling papers, she gave me a lot of vague information regarding " the case. '' She did n't specifically identify the company suing me until I asked her what she was talking about. At that time, I stated that I did n't purchase anytjing for {$1200.00} in XX/XX/XXXX because I was out of work. This is when I was told the case involved a bank account. When I continued to ask questions, the case worker made statements such as, " I 've never heard of anyone forgetting about a bank account before. Maybe a loan, but not a bank account. '' and, " If you choose to go to court, you will owe {$3200.00} instead of the {$1200.00} this company is asking for now. '' When I continued to ask questions and state that I was confused, the case worker transferred me to someone she described as the attorney handling my case. This woman was more threatening than the case worker. She told me that the bank has camera footage of me entering the premises to attempt to defraud them and that people go to jail for robbing banks. At some point during our conversation, the woman identified herself as a paralegal. I then told her I thought I was speaking to the attorney handling my case. At this time she said I could speak to the attorney for a fee of {$250.00} per hour, and did I want to pay this fee with a Visa or MasterCard. I stated that I would not be paying anyone {$250.00} per hour to speak to them. At this time, I was looking up information online about debt collection practices. I asked the woman for validation of the debt, to which she responded, " We are beyond documentation at this point. '' She also said that, while I 'm " XXXX '' things, I should " XXXX whether people go to jail for stealing from banks. '' In an attempt to reason with this woman I stated that I would not be handing any money over or making any payment arrangements until I was sure of the debt. She then gave me an account number and told me to go today to the US Bank near me, give them the account number, my name, and social security number, and they would provide the information I 'm seeking. I was told to call her back by XXXX. At this point, she said " Good luck to you. '' and hung up on me. I 'm now terrified to do anything that this woman told me to do. I feel like I was being " shaken down, '' so to speak. This law firm never XXXX said they were attempting to collect a debt, I was only told they were attempting to avoid court and anything I said would be held against me in court, as if I was being arrested.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I reached out to sage stream to view my credit report and it had tons of errors on it. I disputed several items but yet there still remain.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand 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. 

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.