Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

Jefferson Capital Systems is trying to collect {$1000.00} from me through XXXX. It was from a cell phone & plan purchase in XXXX of XXXX. After a month I sent the phone back & closed the account because the service was horrible & now its in collections when it shouldnt be starting in XX/XX/XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

my purse was stolen with along with all my documents my drivers license, social security card, and birth certificate, someone tried to obtain credit under my name and they are inquiries on my report that i don't recognize and other creditor that are not mine that i would like to remove
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased food products from the company XXXXXX/XX/XXXXon XX/XX/2020 and received the order on XX/XX/2020 ( five separate shipping boxes ). Upon opening the packages I noticed the food packaging had not been sealed properly with food scattered throughout the boxes. My first attempt to resolve this issue was on XX/XX/2020 and all future attempts to communicate with the business have not received a single response to me, I have attempted to email and call the company in question on multiple occasions. On XX/XX/2020, I opened a dispute with my credit card company ( the card I used to purchase said food products ) since they failed to honor their 365 day return policy, I also informed XX/XX/XXXX via email that I would be escalating this since I still had not received any contact from the company. 

Citi bank also refuses to refund me due to : " We have reviewed the information you provided regarding your dispute. We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. Our investigation remains closed. '' I have even attempted to resolve this through the XX/XX/XXXXand have received yet again zero response from XX/XX/XXXX, they are clearly scamming their customers. 

Citi has a legal obligation to protect consumers against fraudulent companies and is unwilling to credit me a total of {$800.00} for the defective merchandise. XX/XX/XXXX XX/XX/XXXX needs to be investigated for failing to adhere to consumer laws and FDA guidelines due to improper packaging and not resolving disputes properly. Citi also needs to refund these charges immediately since this process has already taken nearly three months now.
Complaint sub-issue: Debt is not yours

XXXX XXXX, XXXX XXXX XXXX Bank now in collection with XXXX XXXX XXXX {$610.00} THIS IS NOT MY ACCOUNT I HAVE DISPUTED THIS I AM VICTUM OF FRAUD.
Complaint sub-issue: Information belongs to someone else

Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts, inquires, and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove as soon as possible. Attached will be my FTC report. 

Please remove these fraudulent inquiries listed below : Inquirer Name XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I want to report fraud for the following accounts that I have disputed with all XXXX credit bureaus. The credit bureau told me to add all the companies I am disputing in one FTC fraud report and not to complete it individually. 
1 ) XXXX ending in XXXX 2 ) XXXX XXXX XXXX  ending in XXXX 3 XXXX XXXX XXXX  ending in XXXX 4 ) XXXX XXXX XXXX ending in XXXX 5 ) XXXX XXXX ending in XXXX 6 ) XXXX XXXX  ending in XXXX
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

law saids they have 30 days its been 35 days remove the ftc violations two XXXX XXXX XXXX all inquires XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$750.00} COLLECTIONS XXXX {$110.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Complaint sub-issue: Personal information incorrect

Please see my attached documents..My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.  XXXX   XXXX   XXXX . This is an account that I have no knowledge of and it is not my debt! There are  XXXX   US Departme nt of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.  XXXX  is also reporting twice. These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX CARD Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Deposits and withdrawals

XX/XX/2020 I log into my online banking with PNC and realized there was an deposit for {$460.00} into one of my checking accounts that was not suppose to be there. Immediately I contacted PNC customer service to explain that the {$460.00} that was posted did not belong to me. The online tell went back in fourth me explaining that there was no fruadulent action on my account and that the {$460.00} may just be a credit to my account. I inturn asked for it to be turned over to the fraud department. I was given a confirmation number. Upon hanging up I contacted the police. I was given a police report. I contuied to use my account. XX/XX/2020 I went to pay a bill and my account was in the neagitive for {$460.00}. I want to a PNC bank branch and was told the {$460.00} was no where to be seen in the account. Meaning it has no evidence of ever being there. I also spoke to the fraud department and was told the same thing. So basically it was there but wasnt there and I called to report it which the teller also seen it. But now my account is in the negative. I requested my account to be on hold. Because of prior issues weeks before that resulted in me closing one of my checking acounts down. Im not sure whats going on but Im very sure that fraud is the issue. Ive been with PNC bank for a few years and have never had these issues.
Complaint sub-issue: Investigation took more than 30 days

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It hasbeen more than XXXX XXXX since I originally wrote them.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Have already explained that the debt is not mine and they continue to call and report on my credit every single week. That is harrassment.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : LATE/CLOSED XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello. I have been disputing 2 accounts on my credit report since the beginning to 2020. I have sent multiple letters indicating the inaccuracies on my credit report. I have called the bureaus about my investigation and I was told on XX/XX/XXXX by Equifax that they do not have any of my information on file and that the last thing they have was something I submitted in XX/XX/2020. I sent a letter in XXXX of this year. The continue to report inaccurate information on my credit file.
Complaint sub-issue: Delay in processing application

Applied for and was approved for CitiBusiness Platinum Select Card for my company XX/XX/XXXX. Was approved for I believe XXXX XXXXXXXX credit line. I got the card a little while back, went to activate it, and their system says the information doesn't recognize the information/does n't match. I call in to activate and the foreign low wage employee advises he can't send a simple text message and asks multiple times for a new phone number ( I don't have one ; like most people in XXXX, I have one single cell phone number ). Then I'm somehow magically transferred to the " fraud department '' and spoke ever so briefly to " XXXX '' out of XXXX who cops an XXXX while informing me that evidently some sort of fraud alert was placed on the account XXXX XXXX after applying and well before EVEN HAVING THE CARD IN HAND. 
I have no idea what sort of convoluted XXXX Citi is engaging in and I don't care. I want to activate the XXXX card and use it. This isn't difficult and shouldn't require me to have to turn to the CFPB to get this done. This is absurd.
Complaint sub-issue: Other problem

Please see complaint no XXXX My Citi  online access hasn't been working for sometimes and I've contacted the company several time without getting any response. Their websites never work properly, there are so many issues from failing to response properly to other risks such as opening multiple accounts at once. I need immediate response as I have been on paperless mode for more than 5 years and now can't check my statement or make payment. 

I have sent Citi 7 emails to Citi XXXX XXXXXXXX XXXX regarding this. 
Prior to that, I was told what to do over the phone but it never worked and I sent the screenshot to them. I never got any response. 

Thank you.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I received an electronic notice from XXXX stating that I had a delinquent credit account with US Bank. I have a car lease with US Bank that had its last scheduled payment due XX/XX/XXXX. But I did not understand what that delinquent credit could be referring to as I have always paid my lease payment of {$810.00} on time through an autopay account. 

That evening I checked my mail and discovered I had a letter dated XX/XX/XXXX from US Bank stating that I owed {$1300.00}. Given that I still had one more payment left I called US Bank to understand what the owed amount was related to. According to US Bank, when I registered my car in Massachusetts in XX/XX/XXXX ( I had initially leased and registered the car from a dealer in New York in XX/XX/XXXX ) my lease payment had gone up by {$50.00} a month due to increased taxes in Massachusetts. The roughly 20 months of incremental $ 50 monthly payments I had missed plus penalties and interest were worth {$1300.00}. 

I explained to US Bank that I was never once told of of the increased payments. US Bank has my address, my phone number and my email address - I never received one notification as to the increase in payments, nor a notice of a late payment. To have received my first notice that anything was amiss 20 months (! ) after the increase in payments began strikes me as ridiculous. While I am upset about the increased payments which I did not know about ( made worse by the fact that I spoke to US Bank numerous times before I had to register my car in Massachusetts in XX/XX/XXXX as I needed several documents from them to register the car and they never mentioned anything about the increase in payments ) I am much more angry about that fact that by sending a delinquency notice US Bank has negatively and quite unfairly impacted my credit score. It is  clear from the fact I sent every one of my XXXX lease checks to date on time that the only reason I did not pay the incremental {$50.00} amount is because I was not aware of the increase in the first place. 

US Bank 's actions appear to be a sorry attempt to extract late fees and interest from me at the last minute before my lease expires. Worse, they have no compunction about hurting my credit score on the way to doing so. I am writing the Consumer Finance Protection Bureau to assist me in getting this demerit off of my credit report. My account number with US Bank is XXXX. Thank you, XXXX XXXX
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.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX # XXXX No authorization of law for my collection of information. 
no evidence or proof of alleged debt including specifically the alleged contract or other instrument bearing my signature. 
15 usc ( e ). 15 usc 1681
Complaint sub-issue: Their investigation did not fix an error on your report

I am appalled by the ability of the Credit Bureaus to ignore my request of correction on my Credit report despite the multiple letters I have been sending to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX2022 with complete attachments of my personal information but I see here that the Credit Bureaus have been ignoring my letters. I am submitting this complaint in response to the recent " investigation '' done by the Credit Bureaus. I do not agree with the result they present and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that report these information on my Credit file. I am submitting this complaint to ask that more information from the Credit Bureaus with regards with the the matter I am disputing. I need the following items in question to be COMPLETELY INVESTIGATED AND CORRECTED FROM ERRONEOUS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00}
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call Equifax after speaking with XXXX XXXX and being instructed by the agent at XXXX XXXX to ask who initiated the dispute they could not provide me with that information. I want this to stop.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have submitted multiple times to Equifax to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but NO PROOF was shown. I've faxed and mailed out via certified mail a FTC report and also a police report and XXXX failed to follow suit as other credit reporting agency has done so. I need 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 and inquires 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 XXXXXXXX removed from my credit report or send debt validation of these accounts with my signature. 

PLEASE SEND COPIES OF DEBT VALIDATION WITH SIGNED SIGNATURE OR DELETE FROM MY CREDIT REPORT IMMEDIATELY.
Complaint sub-issue: Trouble with how payments are handled

I earned an XXXX Award through service with XXXX for XXXX. The education award was for roughly {$9400.00} and I decided to put it towards loans I took out to earn my XXXX XXXX XXXX. These loans had a higher interest rate, and were taken out through Fedloan. I applied the XXXX award in XXXX XXXX. All the National Trust does with XXXX is send the money to the loan provider, in this case, Fedloan. My online account balance, though, never changed with this payment. It was at about {$11000.00}, and did n't change. Even when I did smaller payments since then, the balance never changed. I was NEVER asked by fedloan how I wanted that money dispersed. I assumed that if I gave them {$9000.00} the balance would then go to roughly {$2000.00}. If I give them my money, it should be used. 

But, I have learned that Fedloan is using this {$9000.00} payment as a " fund '' to take from each month for my monthly payments. When they would send me a " monthly bill '', the statement would read " {$0.00} due ''. Each month this would appear since I submitted the education award. 

When I called fedloan, they notified me that the loan would be in use until XXXX XXXX. So, instead of using money I have given them to pay off the majority of the loan, I am being almost trapped into a consumer relatioship where my money is used to keep me there and garner more interest each month. 

When I asked them to resubmit the payment, they said that they could but it would then put my loan in " delinquent status '' since I personally did n't make individual payments on the account since XXXX, XXXX. I was n't able to make the payments, since each account statement said " {$0.00} balance due ''. 

I feel very conned by this organization. I already paid {$1800.00} in taxes on this education award, as it is considered untaxed income. Now, it 's being used against me to keep me as a consumer with Fedloan for as long as possible. I was n't given a choice for how my money would be applied, nor was i notified.
Complaint sub-issue: Inadequate help over the phone

My plant is with Equifax Equifax is not following fcra regulations they claim that my credit file has split into two different credit files and it makes it very challenging to obtain the correct information I advise on numerous occasions that there is incorrect information on my credit report I 've sent documentation and they 're requesting documentation over and over again it is extremely frustrating
Complaint sub-issue: Personal information incorrect

Equifax is reporting a wring name as well as wrong address that I have no knowlege of on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX, TX XXXX. This information is inaccurate. Also, There is a name of XXXX XXXX XXXX on my account. This information is also not accurate and that is not how my first name is spelled