Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a U.S. Bank Reliacard in the mail on behalf of The Colorado Department of Labor and Employment ( CDLE ). I did not apply for this card. The CDLE website is useless for reporting fraud and their live chat feature is also useless. A person can not call U.S. Bank about the card without first activating the card which I will not do. I never lived in Colorado or paid taxes in Colorado. Why would Colorado issue me this unemployment card? 
All of these agencies are inept. 
This is identity theft.
Complaint sub-issue: Account status incorrect

The small bank has reported an " overdraft installment loan '' to my credit report late every month since 2014. I told CFPB and they said they sent to branch that over sees credit union 's but I never heard back. Additionally I told the big 3 credit bureaus that I never had an overdraft agreement with that bank, or an installment loan. I lived in another state ( Virginia ) and received no communication from XXXX   after we moved and the account was closed. Additionally I called them today, and they said the account was sold to a 3rd party and they had no control over the 3rd party and couldn't even speak to me about the balance or any loan documents. It is a real shame that no one can provide documents or help to fix this error. One last shot trying to contact everyone before attorneys get involved - I'm sure there are many consumer laws being broken. Please someone help.
Complaint sub-issue: Attempted to collect wrong amount

I had phone with XXXX they shut off stating I owed them thousands of dollars for charges I didnt owe they shut your phone off if you dont pay one months payment, I had phone in about XXXX this is XXXX and they are on my credit report for XXXX dollars they have been on my report for 15 years there is no way I owe XXXX dollars they shut my phone off and I should only owe for one months payment not XXXX dollars how can I owe so much if you are late one month they shut your phone off they are trying to ruin my credit and charge me for an outrages amount of money that there is no way I could owe XXXX they dont let anybody charge thousands of dollars to there account if you dont pay your bill every month they shut it off and they have been on my credit report for about 15 years changing collection agencys to do so please help me get this stopped they do same thing to thousands of other people too, Ive disputed this for years so Im filing this complaint to try and get this matter resolved thanks for your help
Complaint sub-issue: Their investigation did not fix an error on your report

I have a XXXX XXXX XXXX company and deal with all the major mortgage companies including XXXX  XXXX XXXX, which I have a least 10 loans. The homeowners ' insurance for 3 of the XXXX XXXX XXXX loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. XXXX  XXXX XXXX requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. XXXX  XXXX XXXX continued to request evidence of insurance and we continued to supply it. XX/XX/XXXX, I uploaded evidence of insurance to the website XXXX  XXXX XXXX provided and received confirmation emails of receipt. XXXX XXXX XXXX placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. XXXX  XXXX XXXX has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.
Complaint sub-issue: Reporting company used your report improperly

As of a report that I obtained on XX/XX/2021, Equifax is in direct violation of multiple FCRA laws by reporting 4 the following alleged, invalidated debts in their database as derogatories, collections, and charge-off accounts : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Equifax is is violation of the following FCRA statutes : 15 USC 1681, 15 USC 1692, and 15 USC 6802. 

I have notified Equifax via mail with supporting documentation that they are in violation of these statutes and that they need to remove this information from their database. I've spoken to them over the phone multiple times verifying that they have received the documentation, which their representatives did confirm receipt but they have refused to remove the alleged, invalidated debts. Which is why I am now reporting Equifax to the CFPB.
Complaint sub-issue: Billing dispute for services

To whom it may Concern, I informed the credit reporting agencies that the account XXXX balance {$320.00} account name XXXX  XXXX XXXX is an account that should not be reflecting on my reports because the account has been paid off. I asked that these accounts be verified and unfortunately they have not due to the affect that they still are reflecting on my reports as a collection account. I am asking that these accounts be removed immediately. I have proof that this account was paid XXXX. Also there is another account that needs to be removed from my credit report due to identity theft. The account name is XXXX XXXX XXXX. The account number for this account is XXXX, and the balance on this account is {$2100.00}. I never had this account and this account was not opened with my permission. Please remove as soon as possible. 
Also the only names that should be reflecting on my personal information on all three credit reports is XXXX XXXX XXXX. The only address that I should be affiliated with is XXXX XXXX XXXX XXXX XXXX. The only telephone number that I should be attached to on my credit profiles is XXXX only and the only Employers that should be listed is XXXX XXXX. Please update with all credit reporting agencies. 
Thank You with kind regards, XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I have contacted XXXX regarding this inacccurate information on my credit report and they have yet to remove this inaccurate info. In addition I have contacted the source in which they claim to have verified the information and that stated, in writing that they have no record of any information and no idea why XXXX XXXX is reporting this lie. I have called them and they have given me nothing but the run around. I need help because this is adversely effecting me.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

Conns Appliances and furnishings, have called me REPEATEDLY since XX/XX/19, over 20 times all day everyday, while at work and when I'm off from about XXXX to XXXX or XXXX ... My payments are due ea. Month on the  XXXX ... I have paid on time for almost 2yrs. Straight ... wasn't able to pay on time this month ... and they have really been unprofessional and HOUND DOGS. TOTALLY HARRASSMENT AT ITS BEST ... I advices the conns rep on XX/XX/19.. I will make payment the last week in XX/XX/XXXX ... She demanded I set up a payment arrangement and {$25.00} late fee will added ... I will continue to pay my XXXX off.. But will Never GIVE CONNS MY BUSINESS AGAIN ... There is absolutely no reason To Harass a good paying customer this way ... When they are not accomplishing anything ... and TOO incompetent to leave a message ... Conns continues to call XXXX XXXX. Please Assist with POOR BUSINESS PRACTICE and incompetent personal.
Complaint sub-issue: Account status incorrect

This account is still reporting invalid on my credit report they will not update it with the correct information because its listed as a closed account, when I call and ask them to please correct the invalid information on the closed account they try to tell me that because the account is in a closed status that it doesn't matter about the way it's reporting but yes it does cause its still affecting my scores.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/XXXX-XX/XX/XXXX I've sent 4 separate letters to each credit bureau XXXX, XXXX, and Equifax asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.
Complaint sub-issue: Information belongs to someone else

For well over the last three to four years, every since I found out that I was a victim of Identity theft. I have been sending dispute letters to all XXXX XXXX XXXX. Requesting by law that they supply me with information, even a signature showing I authorized this credit card in my name, which I never did. This blemish has been sitting on my credit reports for years. I never had a credit from this company. This account is hurting my name, my future on obtaining a home loan, it's continuing to hurt my credit on a daily basis. I have attacked this credit card company in every way I know how. I have even sent letters in to the Federal Trade Commission, which referred me to you here at CFPB. XXXX XXXX XXXX has an account under my name, acct # XXXX, CARD ENDING XXXX, BAL. of {$230.00}. I sent a debt validation request letter, which they cant provide me any information of my personal information to me. I have a fraud protection added to my credit profiles. I have police reports of identity theft, which was sent in to all three credit reporting agencies. I demand this account removed my my credit reports. I will even try to take legal action in courts to have this matter handled. This debt is not my debt, Please help me with this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX on multiple occasions on XX/XX/XXXX stating that I was a victim of their inquiry issue and the representative failed to honor the inquiry issue and failed to help me giving me terrible responses that didnt solve the problem. These are the following hard inquires : XXXX XXXX ( Finance ) XXXX XXXX, XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Bank ) -XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX -TXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX -XXXX  XXXX, XXXX AXXXX XXXXL ( Finance ) -XXXX  XXXX, XXXX XXXX XXXX XXXX ( Auto ) -XXXXH ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. ( Bank ) -XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) -XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) -XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

have ftc on file and police report account XXXX for XXXX $ from XXXX XXXX XXXX in this account was removed and should have been blocked all three credit buearu are reporting this account as a collection this was removed found unverifiable over 2 years ago havent recieved any letter saying this account was being reinstated please remove
Complaint sub-issue: Account information incorrect

On XX/XX/2021, I disputed AFNI, INC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX as the original creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted XXXX and on XX/XX/2021 I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted AFNI, INC via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, AFNI, INC is still being furnished on my consumer report via XXXX. I, XXXX XXXX XXXX, never gave AFNI, INC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Complaint sub-issue: Information is not mine

XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXXACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Banking errors

My name is MXXXX XXXX XXXX XXXX and I have held a Citibank account for a couple of years now. Recently, there has been unauthorized withdrawals, reversals and evident banking calculation errors. I do not have co signers on the account and individuals working for Citibank request entire card numbers, account numbers, my entire social security # XXXX, address and maiden names to FIX their deliberate banking calculation errors. Citibank blames their system and a representative XXXX whom always picks up my line XXXX claims " it's my man, it's my name or starts yelling incessantly, or why is he with you and not me! '' Recently XX/XX/2021 the erratic representative named XXXX picked-up the line for Citibank and reversed {$89.00} for an incidental stay on XX/XX/2021 at an XXXX. XXXX claimed the woman, hence I, was dead. I told XXXX I was not dead and do have an ACTIVE Citibank account. Furthermore, I did not authorize the reversal of the {$89.00} and a woman named XXXX gave me a 21 digit complaint number for account THEFT. Then today XXXX my card was overcharged by {$3.00}. The representative XXXX  and XXXX requested that I provide them sensitive information to gain access to my account. Citibank sent and email stating that XXXX, XXXX, XXXX and XXXX were Citibank frauds. Please help Citibank correct and hire reputable account calculation managers. 
I Ms. XXXX XXXX XXXX # XXXX am currently a guest in XXXX Florida XXXX. My number is XXXX if you would like to reported the fraudulence of XXXX, XXXX, XXXX and XXXX posing as Citibank workers to the federal bureau of investigation or the authorities.
Complaint sub-issue: Problem with fees

In XX/XX/2019 I made a purchase for {$100.00} at a Macys store. I rarely use this account and with some unfortunate life events I forgot I had made this purchase. I never received a bill via email or in the mail. In XX/XX/2019 my Mother received a letter her address stating that I now owed {$250.00} to Macys. She stated to me that this arrived and that nothing had ever came to her house for me prior. I have not lived at that address in approx 5-6 years. I immediately called the Macys credit card to find out what was going on and they advised me that I made the purchase of {$100.00} and that the {$150.00} was for late fees. They asked me what my address was and I they had the incorrect address on file which they updated that day. Also, I paid the {$100.00} balance that I owed that day. They advised me to send in a letter disputing the fees and to correct my credit report back XXXX reflecting that it was not past due. I did all of this and within a week they denied the dispute saying there was never returned mail. Howeve3r, mail can not be returned if it is never received. Also, for the months of XXXX a phone call to me stating that the bill was past due was also never even made to me. 

I have already paid the {$100.00}, I am asking Macys to simply restore my credit back to reflecting a positive paying history since XXXX & to waive the $ XXXX in late fees. They refuse to help me at all. They have also closed my account.
Complaint sub-issue: Debt was result of identity theft

Account name-jefferson capital system Account type-debt buye Date XXXX Status- {$950.00} is due Originally cmditor-XXXX XXXX  I called and disputed it twice and got denied, was told to file police report for record of identity theft.
Complaint sub-issue: Trouble with how payments are handled

I obtained several loans through Sallie Mae to help pay for school, XXXX to be exact. The time is coming for repayment, I received a statement of what I would have to pay ( it was an outrageous amount ), so my grandmother kindly helped me and paid for two months, around {$660.00} total. It turns out that Sallie Mae did not apply that amount evenly to all the loans and XXXX of them became outstanding. I have called several times to have this issue fixed and it is STILL outstanding. Now they are lowering my credit score due to this issue that is completely THEIR fault. Additionally, they are also unwilling to work with me for a payment plan that I can actually pay. They also will not stop calling my poor grandmother due to this " outstanding '' loan.
Complaint sub-issue: Used obscene, profane, or other abusive language

I received an unusual text from National Recovery Agency about a debt with a Maryland utility company, XXXX. I had never heard of National Recovery Agency and I have never received a text message in place of a letter from a collection agency, with a link to pay processing fees in addition to the amount owed. A few hours later, I received a call from the original debt collector, XXXX, who had no knowledge of or connection to National Recovery Agency. Fearful of a scam, I contacted XXXX directly and took care of the balance. I then called National Recovery Agency and spoke to a XXXX XXXX. I explained what happened and asked to be removed from their list. I explained that I didnt know if their tactics were legal, but that I no longer wanted to be contacted by them. XXXX XXXX became belligerent, and abusive, telling me that I only called to argue and then she abruptly hung up on me. This behavior, in total, is unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

I believe that an old account I had with XXXX XXXX  XXXX XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX   XXXX XXXX has reported the account as a permanent charge off status, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX   has with each credit reporting agency respectively.