Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question which have been removed several times because these are inaccurate and have been removed because they were a result of identity theft. I HAVE SENT IN AFFIDAVIT OF IDENTITY THEFT YOU HOW EVER HAVE ALLOWED TO REINSERT I NEVER received a written notice 5 days prior to it happening, I am entitled to {$1000.00} per account that was added back ILLEGALLY. 
As per FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
The accont is XXXX XXXX XXXX {$510.00} Opened XX/XX/2018
Complaint sub-issue: Public record information inaccurate

I asked for XXXX And XXXX  to do an independent investigation and they didn't. Because of this, I have re-sent my previous dispute letter with the one that was mailed out mid of the year and I need for this to remove or delete per my original request. These do not comply with FCRA regulations. 
I need to see the paperwork that shows how these were investigated. I also need to see where this information originated from because I've provided direct facts from the credit report. These facts can not be refuted! How can they state that they are accurate when I've clearly pointed out exactly why they can not report? 

XXXX I need to see the proof that I was ever late or this needs to be updated XXXX this is still reporting with an inaccurate court name and this is now in violation of section 1681, 609 and 603.
Complaint sub-issue: Account status incorrect

Please know this is in regards to a closed/paid in full account.On all three credit bureaus my account with XXXX is showing a delinquency beginning XX/XX/XXXX, which is reporting as 60  days late. I had reached out to XXXX to request verification of when my account first went delinquent through their online website. I never received a response from them. I feel I have the right to know and seek validation. On their site I did verify my pay off date as XX/XX/XXXX and on the same document is says my account had " 0 '' delinquent days. Therefore, I would like to obtain verification since all three credit bureaus are reporting 60 days late as of XX/XX/XXXX, 90 days late as of XX/XX/XXXX and 120  days late as of XX/XX/XXXX. This is adversely effecting my credit ratings with the bureaus. Also I do not understand why if my account is closed that they would still be producing letters to send to the IRS. My account is closed with them and there should be no further documentation produced in reference to a loan that was paid off.
Complaint sub-issue: Deposits and withdrawals

I had over 80 small charges, many were for the exact same dollar amount on the same day ( for example {$10.00} shows on one day being charged 7 times in a row ) that I disputed with my bank, PNC Bank. 

I was given provisional credits then they reversed the provisional credits then added in a bunch of overdraft fees to take my account over {$1000.00} in the negative!!! 

I requested a copy of documentation used to make their determination ( which they said they would provide on the notices they sent in the mail ) that the charges were legit and have not received any reply whatsoever. No evidence, no call back from PNC Bank, nothing.
Complaint sub-issue: Information belongs to someone else

ON XX/XX/2020, Jefferson Capital added a derogatory credit report per XXXX. Upon, further research, this account was transferred/sold and am I no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, Jefferson Capital has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Other problem getting your report or credit score

Credit reporting agencies not providing a updated credit report with update scores. Not deleting negatives wordings, and collections after Bankruptcy XXXX XXXX, Texas Federal Judge Discharged bankruptcy XXXX on XXXX XXXX,2016. This is a major Retaliation and Discrimination against me as a XXXX Military Veteran. There is many errors on my credit reports.
Complaint sub-issue: Information belongs to someone else

I received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to  gain information. Help!!!!!
Complaint sub-issue: Debt was paid

Around XXXX XXXX, I received a telephone called from XXXX XXXX XXXX XXXX informing me that a credit card delinquent balance was turned over to United Recoveries Systems ( URS ) now operating as XXXX XXXX XXXX XXXX ( XXXX ) for collection by XXXX CARDS incurred by my son and collection efforts were unsuccessful. I agreed to assume the debt however, I am a retiree on fixed income and can only afford a monthly payment to settle the debt of XXXX XXXX XXXX XXXX XXXX Dollars & XXXX cents ( {$6700.00} ) which was memorialized by a letter dated XX/XX/XXXX. In the settlement negotiation reached in the letter of XX/XX/XXXX, I agreed for XXXX/URS to create and deposit XXXX check reproductions on the dates indicated in the amount of {$240.00} each starting XX/XX/XXXX and monthly thereafter until XX/XX/XXXX totaling {$5100.00}. In XXXX, XXXX and XX/XX/XXXX, I received billings from BOTH companies ( XXXX CARDS and ( XXXX/URS ) that I still owe this debt to BOTH of them.t I will fax you copies of my files justifying that this debt is PAID IN FULL and I don't owe anything anymore to either company.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi bank mastercard was charged {$940.00} in a 30 day period from XX/XX/XXXX to XX/XX/XXXX a total of 5 charges totaling {$940.00} from all from XXXX. This should of been flagged as fraud as we do not and have not used the card in over a year and have a perfect payment history on the card dating to XXXX. We called citi and my wife got a customer service rep in an overseas call center who could not speak clear english and kept reading a script to her. He would not give an operator ID and would not escalate the call. He advised my wife to make a payment on the disputed charges " to protect our credit '' on fraud charges that were being disputed. I called the same day and got an overseas customer service rep and requested the call be transferred to a US based customer service rep. The first customer service rep ( US Based ) also refused to give name or operator ID, when I said I would file complaint with the CFPB, State Attorney General and the FTC, at that point the call was transferred to a Credit Manager by the name of XXXX, Team ID XXXX, XXXX took the info and confirmed that the charges did not match the account history and placed a high priority on the account to the fraud department. I can get no time line and would not of received the service if I did not state I would file a formal complaint with the CFPB. A major concern was the attempt from Citi overseas based CSR to collect on a disputed and clearly fraud charge " to protect our credit ''. This is a violation of the FDCPA and card holder agreement. It should not require a threat to a company like Citi on a clear disputed fraud charge to do the right thing and transfer the call to a level appropriate with the complaint. The charges have not been resolved to date and no date given to resolve. XXXX stated he would monitor the account and agreed the charges were not in line with account history or activity in 20 years it has been open.
Complaint sub-issue: Contacted you after you asked them to stop

I settled a debt with the XXXX XXXX  on XX/XX/2017 with the then manager XXXX XXXX. I moved out of the unit, and out of state, a month prior. Upon communication with management, I returned on that day only to resolve the balance. I have check images showing the final payment signifying account closure that are not included on IQ Data International debt collection invoices.

Upon initial contact with IQ Data International, the representative was extremely abusive, vulgar, and threatening. Upon my request for documentation, IQ Data International went silent for years and I am only recently seeing a credit dispute affecting my personal credit.

After no response from IQ Data International, I followed up with the leasing property management directly who were able to furnish additional documents, however, showed varying amounts on all ends and the specific manager recalled our meeting but claimed ignorance of any events that took place. There was further evidence of modified invoicing due to over invoicing for several months that went unnoticed by management and myself. 

In conclusion, the XXXX XXXX  have proven to have inaccurate record keeping ( varying amounts and invoices between IQ Data International and themselves ), and have merely pushed the account to an abusive debt collector because they are owned by a large conglomerate real estate magnate.

Both companies show an incompetence in proper business practices and should cease abusive practices towards victim residents.
Complaint sub-issue: Problem with renewal

I had an existing CD with Ally Bank that was maturing on XX/XX/2022. I attempted to manage this maturity via the Ally Bank Web Portal numerous times both prior to and post maturity of the CD, but the Ally Bank Web Portal would not save my instructions. I attempted to call Ally Bank at XXXX numerous time during the 10 Calendar Day Grace Period. Wait times were always in excess of 30 minutes and I could not get thru. My objectives was always to renew this CD with Ally Bank for 13 months at a 2 % APR. Instead, I was automatically renewed into a 5 Year CD with an APR of 2.95 %. I finally got thru to a human being at the Ally Bank on Monday XX/XX/XXXX ( after a 25 minute wait ) and was told " that there was absolutely nothing that Ally Bank would do ''. I was put on hold multiple times and asked to speak with a Supervisor. After another XXXX minute wait, I was transferred to XXXX ( XXXX XXXX XXXX ). I was told that my only options were to stay in the 5 year CD or pay an early withdrawal penalty of {$7400.00}. 

It seems like Ally Bank makes it virtually impossible for a Customer to " Manage Their CD '' and then elects to put them into whatever product that best suits Ally Bank I have been a loyal customer of Ally Bank for nearly 13 years. I am incredibly shocked by this treatment and can not believe it is legal
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened a citibank credit card about 2 months ago with the acquisition offer of 80,000 thank you point if I make purchase of 4000 dollars in the first 3 months. I have been trying to reach the 4000 dollars in orders to get the initial sign up bonus. however, I have experienced a lot of difficulties of using the credit card. Specifically I have been declined 5 times in the past 30 days which worth more than 1500 dollars purchase when I tried to use the credit card. Every time, after I get declined, I tried to reach out to Citibank to get the fraud/ security alert removed. But because Citibank already declined by transaction, so I have to use my other credit cards to pay for it, therefore there is literally no way for me to reach to the 4000 dollars in order to get the 80,000 thank you point. I have made more than 3500 dollars, and it is getting impossible to reach to the 4000 dollars now because Citibank keeps declining my transactions, and called this is security reason. 

Everytime when I tried to call citibank, I was asked to verify my citibank checking account information. But my citibank checking account has been closed for a long time, and it doesn't even show up on my citiibank online portal., how could I be able to answer the account number question of the account that been closed for a long time? isn't this crazy? 

What I need from citibank ; 1. even though i have not reached to the XXXX000 dollars spending requirement yet, because i am getting super close to the 4000 dollars, and plus citibank keeps declining my transaction, there is no way for me to meet the requirement. I want 80,000 thank you point to be granted to me right now. 

2. i need citibank to review why they still show my checking account as that account has been closed for a long time. this account should NOT be used for account security verfication/ authentication purpose. 

3.I told rep that I could verify my cell phone, my credit card info, my SSN, home address, and all the other info on my account, but I don't have related account info with me,, the rep just can not proceed further. i personally find this is ridiculously, this is suggesting that i am being punished by having multiple products with citibank. if this is the case, maybe to make it easier, I should just stop doing business with you guys all together.
Complaint sub-issue: Received bad information about your loan

I graduated college in XX/XX/XXXX, I started working as a teacher in XX/XX/XXXX. I had four kids with a {$46000.00} salary. I could not afford my student loan payment. I called them, they told me to put my loans into forbearance. I started XXXXXXXX XXXX  the following year, my loans were forced into deferment without my knowledge. I had no idea that I could have opted out of a deferment or that I would even qualify for a {$0.00} payment which would have counted towards my Public Service Loan Forgiveness. I heard about XXXX and that my payments could be {$0.00} so I contacted Fedloans again in XXXX. They told me that the best thing to do was consolidate my loans so I did. because of this, I am having difficulty removing the Deferment and Forbearance on my accounts from XXXX until XXXX which would allow my years of service as a teacher to count towards XXXX. I have proof of my income from XXXX until now. My payments were always eligible for XXXX and should have been {$0.00} per month. I should have 6 years of payments counting not 2 years. No one will help me, I have reached out to them through email, and XXXX. And, I can not get them on the phone.
Complaint sub-issue: Information belongs to someone else

A couple of months ago I received a copy of my credit report I saw that there was a lot of information and accounts on my Equifax credit report that I have never seen before. I later found out that my personal info was hacked in a few of the mass data breaches over the years.
Complaint sub-issue: Debt is not mine

On XX/XX/2017, Afni sent me a dunning ( collection ) letter stating that they were trying to attempt to collect a debt for XXXX. I received a call from a representative named XXXX, ID number XXXX, who advised me that they were attempting to collect a debt for XXXX, I advised XXXX over the phone that I did n't have a debt with XXXX, and if he could send me validation of the debt. XXXX was very rude, got loud with me, and advised me that he was going to put this debt on my account in 3 days. I also notified AFNI in writing that this debt was not mine and to provide me proof. I also advised them that it was unlawful to report unvalidated debt on my credit report. Afni still reported this debt on my credit report, although they did n't provide proof. Afni responded to my debt validation letter with the EXACT same dunning letter they sent to me initially, but this time they manipulated the information on the dunning letter to make it look like a " STATEMENT OF ACCOUNT '' They are intentionally trying to destroy my credit, and using intimidation tactics to get me to pay for a debt that is not mine by placing false information on my credit report. On the dunning letter that was sent to me, they advised me that if I notify them within 30 days of receiving their collection letter, they will obtain proof of the debt, which they did not. I did n't receive a signed contract bearing my signature, I did n't receive a billing statement showing the breakdown of any fees on XXXX XXXX letterhead, nor did I received an assignment of the debt to AFNI, proving that they have the rights to collect a debt on behalf of XXXX. I have never heard of Afni nor have I did any business with them. I have attached my dispute letter to Afni, my overnight delivery receipt w/signature showing delivery of the letter, the initial dunning letter that AFNI sent to me, the dunning letter that AFNI sent to me in response to my debt validation dispute letter, and my current credit report showing where they inserted this false information on my credit report. 

I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Afni, will be required to appear in a court venue local to me, in order to formally defend themselves.
Complaint sub-issue: Investigation took more than 30 days

Hi my name is XXXX XXXX. I have never done business with neither am I liable. I do not have a signed contract nor any type of contract with. I have the right to demand and see the contract between and myself! Please send the proper validation
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing this account for over a year now. XXXX XXXX XXXX XXXX has ignored my request to provide me with all documentation in their possession pertaining to this account. So I don't understand how the credit bureaus are constantly updating this account as verified when I am 100 % sure XXXX XXXX XXXX XXXX hasn't provided them with any proof of the account either. On top of that, I have not received any results from the credit bureaus from any of the investigations I have requested. Here are the dates for each dispute I have sent XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 for this year. So at this point its clear that the credit bureaus have not conducted a proper investigation for this account which is a violation of the FCRA. I want this account deleted ASAP.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting a paid as agree a, with no late payments, as 60-90 or  more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to Equifax and XXXX XXXX and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( XXXX XXXX and Equifax ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2018, I notified Equifax via certified mail that several accounts listed on my credit report were a result of identity theft. I included an identity theft report and applicable statutory guidance regarding their action. To date, items remain on my account. Additionally there are other incorrect information listed. 

Last week, I sent Equifax another certified letter demanding all fraudulent accounts be immediately removed from credit file. Equifax has now placed these accounts in dispute in lieu of removal. This is illegal and highly unethical. Equifax must be mandated to adhere to the law surrounding identity theft, especially, since it likely a result of their breech. 

At this point, Equifax has ignored all attempts to correct my credit file. Please take immediate actions against them. 

Included in my initial letters were letter requesting Equifax to remove fradulanet accounts, proof of identity, copy of my identity theft report and law that governs credit reporting responsibilities.
Complaint sub-issue: Their investigation did not fix an error on your report

ENHANCED RECOVERY CO L Is a collections agency that has been alleging that a bill from XXXX XXXX XXXX XXXX with a balance of {$520.00} is mine and it is not. I have disputed it multiple times with them as it was an account that belonged to my mother, with the same name and address. I have explained that to them in the past and submitted billing statements from XXXX XXXX XXXX showing that the bills belonged to my mother and that she actually did pay off the remaining balance, but the company continues to place me in collections which negatively impacts my credit. This is unlawful because they continue to place the wrong person in collections for their financial gain.
Complaint sub-issue: Problem during payment process

I have a recording of this call saved on my phone. 

On XX/XX/18 at XXXX, I called to make sure my entire balance was paid off. 
I spoke with a representative from Citi who told me that : A ) my automatic payment could not be increased to pay the full balance B ) that if I had an automatic payment, it would pull money each month even I didn't have a balance (???? ) C ) that he would make a payment ( which he NEVER did ) Now I have a late payment. I am very concerned that this behavior will continue to innocent consumers.
Complaint sub-issue: Investigation took more than 30 days

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX,2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.