Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I've sent two dispute letters to EQUIFAX disputing two accounts under the name XXXX XXXX XXXX. These accounts total over {$7000.00} of collections on my account.

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine.

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO EQUIFAX, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt.

I'm now asking the CFPB, FTC and XXXX to step in and demand this comsumer reporting agency delete this account.

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names.

Thanks
Complaint sub-issue: Problem getting your free annual credit report

So not only after I file a complaint with the credit bureaus about my information being incorrect. 
All of my credit scores drop below XXXX. For what reason I dont know. I cant even view reports and or call to talk to an agent. My phone is always send to the answering machine.
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Last year I discovered a false account with XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Complaint sub-issue: Account information incorrect

My Credit Score has been decreased due to what I understand is not correct! 
I had an Account with The Discover Credit Card, which was charging me certain money for not using the Card ; which to me was not fair ; and I decided to cancel that service not owing them any money, and they refunded an small amount that was in my account once I toll them that I did not want to have their service any more. 
Due to this Issue, the XXXX XXXX XXXX, lowering my Score in 34 Points, which was not fair.
Complaint sub-issue: Debt was paid

Original creators are XXXX XXXX  was in XXXX. This just appeared on my credit out the blue. It was resolved years ago. This hasn't been on my credit report since XXXX it just appeared.. Documentation is attached. Please remove from my credit file. It's been 7 years from the original debit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The list of information as inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : Employers : XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

They are reporting medical bills from XXXX twice on my credit report making it appear as if i have 4 extra derogatory remarks on my credit report.
Complaint sub-issue: Sent card you never applied for

Dear Consumer Finance In the mail on XX/XX/XXXX I received a XXXX XXXX card in the mail. Upon opening the mail there is a debit card and printed card stock with very limited information on on it. It reds the following : On the front of the card stock is my address with a bar code and a number printed XXXX XXXX XXXX XXXX to the left of that is a a small QR code.. On the lower left corner is the stock it reads ; XXXX Square , Inc. Assembled in USA, Cash App logo is a trademark of Square Inc. All others are trademarks of their respective owners, ID # XXXX. 

Upon opening the folded card stock in side it reads the following ; Activate Your Cash Card Scan QR Code with your Cash App The code directs you to download load a app. 

It is also has printed info and icons reading ; Save with XXXX Tap to Pay, Direct Deposit, Access ATMs, and Pause With a Touch.. It On the front of the Debit Card itself it reads $ XXXX and also what appears to be a imbedded chip. 

On the back of the debit card is my name XXXX XXXX with a credit card account number, XXXX XXXX XXXX XXXX with a CVV # XXXX with a EXP of XX/XX/XXXX and on the lower right corner it reads XXXX  XXXX. 

I looked at contacting this company but get numerous XXXX  Search results indicating this more than likely is fraud. I am hesitant to call a number I dont feel I can trust, and calling or downloading the app could further jeopardize or expose me to fraud. 

Im also suspicious to this mail as I never applied or requested this card and additionally there is no readily available contact information or phone numbers to call ( not that I would call ).

Your assistance in following up as to the authenticity of this card or to report that it could be fraud is why Im contacting you as this just doesnt feel right and hope this may help others.

Sincerely XXXX
Complaint sub-issue: Account information incorrect

I opened a secure credit card with citi bank last year I had XXXX XXXX on time payments right before my first year mark was coming up citi bank closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not citi bank
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 XXXX XXXX XXXX as Company Info : XXXX XXXX XXXX XXXX Card No - XXXX XXXX. Past Due- {$490.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX XXXX Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXX Credit Card account XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX XXXXrroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.
Complaint sub-issue: Can't stop withdrawals from your account

XXXX XXXXXXXX XXXX withdraws monies from my credit card for their virus protection software. 
The 3 computers that were protected by this software have all been disabled. 
I now use a product called XXXX XXXX XXXX 

I called XXXX XXXX  XXXX and XXXX to have my automatic subscription cancelled. They assured me it was. 
It was not canceled! I called them again. I talked with XXXX XXXX. He assured me he would take care of it and gave me a conformation number : XXXX. 

I got another deduction to my credit card today for another subscription for the coming year. 
Can you help me get this stopped? 
XXXX
Complaint sub-issue: Problem with fees

On XX/XX/XXXX, Citi bank closed my credit account without reasons. I have called the Citi Bank several times about the annual fee charged to my account. All representatives said the annual feel would be refunded. However, Citi bank did not refund me the annual fee as of today, XX/XX/2022.
Complaint sub-issue: Didn't receive enough information to verify debt

I was informed that I owed a full month 's rent for damages incurred to an apartment rental until. I asked how the amount was determined and asked for an itemized list of repairs as the charge was for " dry wall '' and " paint '' repair for pictures that I had hung. I was told by the apartment manager the bill would be updated when the final repairs were made. My deposit was taken ( {$350.00} ) and I was told I was to receive an itemized bill which was never provided. Instead the company sent the debt straight to a collection agency. I have asked ProCollect Inc to work with XXXX XXXX to document the actual bill, but they refuse to and tell me I must provide proof I do not owe the debt. When I ask what that would entail, they do not answer but repeat " Nevertheless, the debt is due XX/XX/XXXX. ''
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received an email from XXXX XXXX stating I had a new inquiry on XX/XX/2022. I had not inquired into any credit, so it was not my inquiry. I submitted a dispute to Equifax. The dispute came back as my inquiry. How do I get them to remove this inquiry? There is no contact information listed on my Equifax credit bureau to contact this company. The company is XXXX XXXX, XXXX
Complaint sub-issue: Other problem

I am writing about a dispute between Citi Bank and XXXX XXXX. My credit card is issued by Citi ... and is called the Chairman card but is pursuant to a license from XXXX XXXX. When I make charges, it functions as an XXXX XXXX card. My bills, which are automatically paid in full every month, come from CITI. Here is the issue : Due to some kind of dispute between Citi and XXXX XXXX, they have refused to issue new cards with the chip. The customer service rep at Citi told me recently that they have a contract issue that is still ( after two years ) not resolved, so they can not issue a new card with a chip. In answer to my question about when a decision would be made, the Citi customer service rep said he would file a complaint on my behalf and that there were others who had requested he to the same on their behalf. What can be done to get at Citi Chairman card with a chip? I can not get an answer from either company.
Complaint sub-issue: Debt is not yours

I HAVE BEEN REQUEST EQUIFAX TO REMOVE FOR CREDIT XXXX XXXX XXXX TO REMOVED THIS ACCOUNT FROM MY CREDIT REPORT FOR OVER A MONTH THEY HAVE REMOVE ITEM.
Complaint sub-issue: Debt was paid

I resided at XXXX XXXX Apartments from about XXXX in which I paid rent. In XXXX I lost my job. I was in direct contact with the Property Manager XXXX XXXX, who told me if I left within a certain time frame that I would not owe anything. Now, XXXX years later I am being asked to pay back {$8400.00} which I never owed even when I lived there, and even if I broke my lease the amount would not be that high still! I was never contacted until a few months ago from a place called Rent Recover LLC. I do not owe this money. I did not owe that much money when I left. When I called the office at XXXX point to inquire if this would affect me getting another apartment they said I only owed about {$1000.00}. I filed with the XXXX, but they would not respond.
Complaint sub-issue: Charged too much interest

My Best Buy store card ( owned by Citibank ) received my payment of {$100.00} on XX/XX/XXXX. I got email confirm of payment, and the account showed a total balance left on the card of {$320.00}. The email confirm from Best Buy card was received by me on XX/XX/XXXX and showed the {$320.00} balance left on card. 

My account statement ( which appears to have been mailed XX/XX/XXXX ) arrived at my address XX/XX/XXXX and showed an account balance on the card of {$530.00}, which included interest charged on the account of {$200.00}. I can not believe the interest charge and I have called both Best Buy and Citibank, but can not get through either on the phone or on either website. This is outrageous! 

I was laid of three weeks ago due to CV-19 and do not have any income ( I am currently awaiting unemployment as my previous employer is supposed to call me back when this pandemic ends ). I still can not believe Best Buy and Citibank did this to me. I don't understand why this was done to me and can not get any answers. 

I am refusing to pay the outrageous interest, and don't understand how I can be charged 39 % interest on this card. My understanding is that interest, fees, and penalties are waived during this pandemic. 

Can you help me? I need to know how this happened to me. Thanks for any help you can offer.
Complaint sub-issue: Problem with statement of dispute

MY wife was late with a monthly payment in XXXX and XX/XX/XXXX. XXXX times the department store " XXXX '' added appropiate late fee and included interest with original balance and with additional late fee. In XX/XX/XXXX and XX/XX/XXXX my wife did pay the balance if the " XXXX XXXX credit card payment due. However XXXX XXXX did report my wife with a delquant payment to all XXXX credit reporting agencies for both XXXX and XX/XX/XXXX. In XX/XX/XXXX my wife and I started a application for refinace our home for the hopes of a 30 year 4 % rate but, due to the late payment and XXXX XXXX reporting XXXX the late payments to all credit reporting agencies brought my wife credit score down which kept us from achieving the top tier rate of 4 % but got a 4.25 %. My wife called the department store " XXXX XXXX '' explained that she was late but did pay in full the balance interest and late fee for both months but the department store was unwilling to remove the report they made once again even though my wife made full resituition for the credit card amount due. The department store XXXX XXXX credit card divisionwere perhaps well within their legal right anc correct in doing so but my wife did make full payment did not welch or file bankruptcy and welch on the amount due rather she payed it with fee, interest and balance. I guesss there is No law or rule against poor bussiness practice.
Complaint sub-issue: Reporting company used your report improperly

I am writing this complaint to inform the CFPB that my rights have been violated by this consumer reporting agency. In a correspondence to Equifax, XXXX of XXXX, I requested proof of my consent regarding the sharing of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX number XXXX Date open on credit file XX/XX/XXXX. XXXX. 
Another XXXX XXXX account XXXX with opened date XX/XX/XXXXXXXX XXXX XXXX Account number XXXX As of today, I have not yet received a any proof of my consent regarding the sharing of the above accounts. According to 15 U.S.C 6802- Obligation with respect to disclosure of personal information ( B ) the consumer is given the opportunity before the time of, that such information to be disclosed. to such third party. and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.
Complaint sub-issue: Debt is not mine

This {$970.00} collection is showing up on my report.I do not know this Dr. office or Doctor. have never been there. I have left messages at the office but no one will return my call for 2 weeks now. I am a vet trying to purchase a home and I really need this off my report. Also I have never been to see a XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I found out from XXXX that XXXX XXXX Card Services, XXXX XXXX Executive office conducted two investigations into my accounts. Neither XXXX nor XXXX XXXX sent me any notification, wriiten or otherwise regarding this matter. On the contrary, on XX/XX/XXXX they sent letters stating that the investigation was continuing. 

After spending 2 1/2 hours on the phone with XXXX yesterday my account was abruptly closed. 

Here is a brief history : in XX/XX/XXXX I went into a XXXX XXXX branch and inquired why my secured credit card showed as deputes and resolution the banker told me that it wasn't in disputes and resolution that was only IF I wanted to dispute something. I called card services they confirmed what the banker told me. In XX/XX/XXXX after 10 months of ongoing fraud, online banking fraud, fraudulent email changes, address changes, phone number changes, unauthorized payments made to cards I knew nothing about, steady decline in my credit score despite paying more that I owed, being lied to by executive office, inaccurate credit reporting, mail fraud, legislative credit freeze ( whatever that is ) double billing, investigation and re-investigation and never getting the results and being lied to about it
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS AND INQUIRIES THAT ARE DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE. I DID NOT AUTHORIZED THOSE TRANSACTIONS TO BE REPORTED ON MY CREDIT, THESE ACCOUNTS WERE INACCURATELY PLACED. I ASKED THAT YOU CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS AND INQUIRIES PURGED OFF MY CREDIT FILE.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information in my file. The items I dispute are listed below. I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report.
Complaint sub-issue: Received bad information about your loan

I am graduating school in XXXX. I contacted Discover Student Loans multiple times to find out what my payment would be. They have refused to just tell me what the payment will be, and said they would mail me a schedule when the online link wasn't working. The first attempt to mail never arrived. The second attempt is outdated and shows payments as though I had been paying since 2008 and hadn't deferred while in school. I still don't know what my monthly payment will be or my payment schedule and it seems like Discover is being purposefully deceptive.
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}, {$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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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

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

5. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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