Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received an installment load from Loantopia. I am having trouble with paying it back. XXXX the collector from Loantopia has been call my phone from different phone numbers and will not stop. I am receiving 2 call 5 hours out of the day M-F. XXXX has also called my office and spoke with a colleague regarding this debt that I owe which is a violation of my privacy. I tried to settle with XXXX but she would not compromise. After the last call with XXXX before hanging up I heard XXXX have a conversation with someone in her office stating " There's no way I'm going to let her settle for that much. I need my commission, girl '' This is starting to have a negative impact for me at work and I can't leave my phone on because she is calling from different numbers. What if I have any emergency and someone is trying to reach me because of my daughter? It's too much and it's causing me anxiety. Please help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased, by phone, two chairs on XX/XX/XXXX. Never received the items ordered. When informed the Bank originally refunded the amount charged and interest. Subsequently the refund was reversed and the charges were reapplied to my account. 

The bank sent me a copy of two pages of a seven page FAX they received from the shipper which does not specify by name where or to whom the claimed delivery was made. 

I filed a police report in which both the merchant and the shipper stated the items were never shipped and were never delivered. 

I notified the Bank and sent them a copy of the police report. They have refused to adjust my account or even to acknowledge the report. 

I was able to contact the merchant who told me the funds had been removed from his account in XXXX of XXXX. 

I contacted the office of the president of the Bank, several times, and have received replies from agents identified only by first name. 

I contacted the office of NH Senator XXXX. An assistant from that office agreed to try helping me. The Bank did not change their position after hearing from Senator XXXX office and have refused to credit my account. This inquiry was acknowledged by a letter on XX/XX/XXXX. 

XX/XX/XXXX I received a letter from the bank saying that a refund was forthcoming. XX/XX/XXXX I received another letter saying there would be no refund.
Complaint sub-issue: Problem with paying off the loan

A previous complaint has been filed with regard to our paying off our car loan with Volkswagen Credit. The complaint number is XXXX. We received a check via XXXX XXXX on XX/XX/XXXX for the car payment they took from our account, a month after the loan was paid off. 

Due to Volkswagen Credit 's error going back to XXXX with not updating our record to show that our car loan was paid off on XX/XX/XXXX ( we have the pay-off letter from Volkswagen Credit with this date ), our refund for our extended warranty coverage from XXXX XXXX was mailed on XX/XX/XXXX to Volkswagen Credit as it appeared we still owed money to Volkswagen Credit. On XX/XX/XXXX, we initially contacted VW Credit asking about the warranty refund, and we were immediately told we needed to contact the dealership. The representative did not check our account to see they had the money since XX/XX/XXXX. VW Credit said that we needed to call the dealership, which we did. On XX/XX/XXXX, the dealership informed us that the check was mailed to VW on XX/XX/XXXX, and not to us because of VW 's incorrect records. We called VW again on XX/XX/XXXX, and was told our request to get the check would be expedited. Later that day, we learned through a voicemail that expedited means they will USPS mail out a check on XX/XX/XXXX. On XX/XX/XXXX, we called VW Credit again and said we don't believe that it is unacceptable that " expedited '' means another 10 day wait until the check is mailed out, especially considering today 's USPS service level ( evidenced by a check being mailed out by the dealership on XX/XX/XXXX and not posted until XX/XX/XXXX ). 

This check would have come directly to us if VW Credit 's processes worked. Now they tell us their process is to wait until XX/XX/XXXX to even mail us a check. Their broken process is the reason we are waiting for our money. VW Credit should never even have processed the warranty refund check in the first place once they realized nothing was owed on our account. Since they did process it, they should expedite a check to us via XXXX XXXX as soon as the check has cleared the bank, and the check they say they posted on XX/XX/XXXX will clear much sooner than XX/XX/XXXX. Again, they explained this is their process. Their process is so broken. No customer should have to wait for over a month ( XX/XX/XXXX to whenever we receive the check ) for money that should have been mailed directly to us.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. They are reporting my payments late. I am current on my account. They have me as 60 days late on Equifax and I have called XXXX about this issue and they have fail to correct it. I have also disputed this with the credit bureau as well and nothing has changed. I am current on this account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX XXXX, 2017, I mailed a letter to Equifax, demanding proof of certification of permissible purpose for multiple inquiries on my credit file, pursuant to FCRA 609 ( 15 U.S.C. 1681b ). Equifax did not send me the information demanded, instead treating the matter as a standard dispute, complete with their standard response that inquiries are a matter of factual record. I have, in the past, sent Equifax documentation showing that several of these creditors in fact did not have permissible purpose, yet they refuse to remove the inquiries from my credit file. I have also filed previous complaints with the CFPB, but there has been no resolution, other than the CRAs involved responding with the same " cookie cutter '' response, and the CFPB considering the matter closed. This most recent incident is a clear case of willful non-compliance with the Fair Credit Reporting Act, and I would like to see some form of enforcement.
Complaint sub-issue: Information belongs to someone else

unauthorized inquiry on my credit reports.company also company form of communication is not within means for consumers to dispute..company has inaccurate phone number
Complaint sub-issue: Card was charged for something you did not purchase with the card

In late XXXX, XXXX, I opened my monthly Home Depot account statement with a closing date of XX/XX/XXXX and discovered two charges on XX/XX/XXXX that I neither made nor authorized. The first charge was in the amount of {$1000.00}, the second was {$1200.00}, for a total of {$2300.00}. I immediately contacted Citibank, the card issuer, to report the charges and request a fraud investigation be conducted. I also directed them to close the account. I was advised in one of several subsequent conversations with Citibank 's Fraud Department representatives that the charges were made in " the XXXX ( TX ) area '' ( I live over XXXX miles from " the XXXX XXXX '' in a town north of XXXX, TX ) but they could/ would not tell me which store ( XXXX ) the purchases were made in, nor could/ would they tell me what was purchased. Incidentally, in-store and on-line Home Depot purchases are shown in the Home Depot app for at least 2 years - mine currently shows purchases made back to XXXX, XXXX - and these two purchases are NOT shown in my purchases history.

A couple weeks ago, I received a letter from Home Depot Credit Services dated XX/XX/XXXX advising me that their fraud investigation was complete, that they were rejecting my claim of fraud, and that I was responsible for the {$2300.00}. There was no justification given for the decision beyond " the facts and/or information reviewed ... does not substantiate the claim of unauthorized use ''. This is a terrible decision and I, an innocent consumer and long-time Home Depot customer who has spent many XXXX XXXXXXXX there over many years, am now being held responsible for purchases I neither made nor authorized. I have no reason - financial or otherwise - to purchase or authorize purchasing of items from Home Depot and then claim I didn't. Their decision is baseless, unfair, and frankly insulting. 

After receiving the XXXX letter, I've filed a police report with my local police department as well as this complaint with the Consumer Financial Protection Bureau in the hopes that Home Depot / Citibank will reopen and reconsider this grossly unfair decision.
Complaint sub-issue: Information belongs to someone else

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file
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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

On XX/XX/XXXX, CarMax Auto Finance responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$28000.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$28000.00} } for account number # XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Complaint sub-issue: Personal information

Addresses in XXXX and XXXX are not mine. I had an Ex wife in XXXX and my son in XXXX. I have lived in XXXX all my life. I lived in XXXX. for almost 40 years and in XXXX. for the last 15 years. Please remove these addresses from my Credit Report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax failed to verify and validate unauthorized inquiries
Complaint sub-issue: Information is not mine

XXXX accounts and XXXX address do not belong on my account I was not released from XXXX until 2013
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After being notified that I " may have been effected by the data breach '', I mailed a dispute letter to Equifax for proof of the inquiries that are listed on my credit report. Equifax responded by telling me that inquiries are to stay on my report for 2 years. 

This is unfair and incorrect!
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed a certified dispute letter to Equifax, and XXXX, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both Equifax and XXXX  mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date of last payment is inconsistent and inaccurate, along with the date of last active. I've made attempts to get in contact with XXXX XXXX to resolve the correct amount owe and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolve, I looking to file civil suit because this clearly violate the Fair Credit Act.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states I have 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: Transaction was not authorized

I had an XXXX XXXX with XXXX XXXX. They were taking daily payments from my account got XXXX. When I repeatedly told them that my business wasnt making money and to please stop, they continued to withdraw anyway, overdrawing my account. I filed a fraud claim with BB & T, and they have to provide me with proof that I authorized these withdrawals. But they denied my claim and still do not have the proof stating that I authorized these transactions. Yet, I do have proof in emails showing where I requested XXXX XXXX stop withdrawing.
Complaint sub-issue: Didn't receive notice of right to dispute

I installed  XXXX   XXXX  service at my apartment. With my  XXXX   XXXX  service I was offered a  XXXX   XXXX . I took the offered. I was charged outrageous fees for used data that I did not understand, I also received equipment that I never ordered. I was charged for it. I returned the equipment, but theyvkept charging. While I was disputing the charges  XXXX   XXXX   XXXX  cancel my  XXXX   XXXX  service without notification.   I.c.  System Inc. do  not stop calling. They reported me to   XXXX   and  XXXX  that I know, I do know how many others.   What they do is they reported me wait a couples of months, withdrawed it, wait a couples of months a reported me again for the same thing. This is been going for the last year.
Complaint sub-issue: Frequent or repeated calls

I needed money for myself and my family. Old people and sick people are inclined to believe that there are also people in our society that are ready to help. And very soon, in XX/XX/XXXX, a person who was taking care of the less fortunate, appeared and offered me financial help - a big winning check from XXXX  XXXX XXXX that could solve my problems. But there was a catch : I have to pay fees to get the check delivered. The check was going to be delivered at the beginning of XXXX, then, the end of XXXX, end of XXXX and finally it was never delivered. However, the requirement for the money I had to provide never ended. First, this individual used up the money in my Bank account, when it finished, I had to take a {$25000.00} loan from XXXX and send it to him. Because the money I provided was not enough, he took all my credit cards and charged them to the top to make " more money ''. I insisted that he had to pay his debt and return immediately the cards but he didn't return them, nor he paid what he had bought, as he promised. The only thing he did was to " open an account in my name in XXXX XXXX XXXX  '' ( Routing number XXXX, Account number : XXXX, XXXX, Iowa, XXXX ) with {$40000.00}, so that I can start paying the credit card debts ''. I used efficiently the money to pay partially the credit cards. However, the same day, on XX/XX/XXXX, the checks were returned, because the bank declined the transactions. When the credit cards were blocked by the bank, he started squeezing all my savings and XXXX XXXX  accounts until they drained. To all my complaints, the answer was that if I did not agree, he was going to donate the winning check to charity. This check is still in the air. 
He was using any mean tactic to take more and more money from me. Initially I trusted him. At the beginning of XXXX, XXXX, XXXX he or his team purchased for {$12000.00} in the country XXXX, with foreign currency, home improvement stuff ( attachment 1 ). On the next statement all the purchases were for using of restaurants, XXXX XXXX attachment 2 ), nothing was paid. The next statement XXXX shows my unsuccessful attempt to pay the balance with the false account that the scammer has created and its almost immediate cancellation. However, the purchases mainly of gasoline continued. The scammer did a small payment of {$310.00}, so that he could continue to buy more gasoline and go to more restaurants. At the end of XXXX, the balance reached {$16000.00} and continues to go up because of the fees. The fraud department of Discover declared that I had authorized the charges and wants me to pay the balance. As I have already explained : 1 ) I did not authorize the scammer to buy materials etc., stuff that I have no idea about ; 2 ) I was completely robbed and can not pay anything
Complaint sub-issue: Reporting company used your report improperly

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX  Account No XXXX XXXX. Late payment history 2.Last Payment XX/XX/2017 XXXX. Account Verified XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX.
Complaint sub-issue: Information belongs to someone else

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice, if I knew I did not owe anything. I got onto XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on identity IQ. I am extremely shocked with these items on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. 

US DEPT OF ED/XXXX XXXX {$71000.00} XXXX  XXXX XXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX {$380.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX/XXXX   XXXX {$990.00} XXXX XXXX XXXX  XXXX {$160.00}
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

My Chapter XXXX was paid in full and discharged in XX/XX/2018 the discharge included my student loan totally {$7400.00}. XX/XX/2018 I received notice from XXXX XXXX I had a late payment show up 90 days past due. I reviewed and it was NELNET for a student loan.I called NELNET and was told is was for non-payment of my student loan. I explained to them the debit paid in full and included in my Chapter XXXX bankruptcy discharge. I uploaded a copy of the discharge to their website over 2 weeks ago and no one has responded or corrected the negative credit reporting. I just received notice that they are reporting it 150 days past due now. I do not know what else to do to resolve this matter. It's having a negative impact on my credit and the debit was paid in full. They made no attempts to contact me and I learned of the negative reporting by XXXX XXXX. If something is in question or being investigated I would think they would hold reporting anything negative until the matter was reviewed. Do we not as consumers have rights? Guilty until proven innocent.
Complaint sub-issue: Information belongs to someone else

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX XXXX {$300.00} USDEPTED XXXX {$1700.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX My mom name is XXXX XXXX Her husband name is XXXX XXXX I XXXX been an victim of identity theft since the age of XXXXXXXX XXXX Where before I came out of my group homes my mom XXXX and her husband XXXX which is my step father been using my social To run up bad debt before I even had the chance to use it for myself Lexis nexus another data company that they option me out of, so that I wouldnt be able to see certain accounts on my report knowing an regular consumer report has a way of receiving its information and now me being XXXX it is effecting judgements liens before I was even able to get a job, my social they use to require jobs, phone bills mortgages insurance benefits Wasant informed of nothing nor received the help from the benefits. 

The reason I was in the group homes was because of abuse I have called them and know this is finical abuse can somebody please Let XXXX XXXX XXXX core logics lexis nexus Mortgages insurances judgements liens auto insurance I have a XXXX since I was young. My mom use to get benefits for me being XXXX. Idk who they are getting away with this stuff the scandalous activity needs to stop its not just like a somebody puck up my social and used it once or twice this is a whole operation they been doing and I have got the police Irs trade commission and have contacted legal services for an attorney the proper and legit way please give me some understanding. There XXXX XXXX they was not XXXX XXXX XXXXXXXX. I was they look at me like money gold mine because I was XXXX XXXX XXXXXXXX they are not from untied states.