Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record

I 've disputed this information with Equifax for over a year and have proven to them time and time again that these items do not belong on my credit report and all I receive is a statement saying that these have been verified. 
I am complaining for 2 reason : # 1 both of these bankruptcies are obsolete and are past the statute of limitations. The bankruptcy ending in XXXX was filed XX/XX/XXXX and is a chapter XXXX which means that it can only stay on my credit file for up to 7 years and should have been off XX/XX/XXXX! They continue to send statement after statement saying " has been verified ''. Not only is it obsolete, but I know for a fact that it has not been legally verified. The bankruptcy ending in XXXX was filed XX/XX/XXXX which means that it should have come off XX/XX/XXXX! Why are these still on my credit file??? 
# 2 I do n't care what they try to prove is on my credit report - everywhere that i pull my credit and my creditors pull it, they see this invalid information. They can try to reconstruct it to suit their need to keep it on there but they are in violation of the FCRA section 1681. I also require that they send me the physical petition that shows this invalid information. That is the only legal form of verification and they are refusing to send it although I am allowed to review these docs myself under section 609! 
Please see my letter that I have attached as well as the credit report which proves that they are reporting invalid information. See page 5 for public records.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Hi there, This is regarding the US bank altitude reserve card ending in XXXX. I was charged annual fee of {$400.00} on XX/XX/XXXX and has made the payment for the annual fee. The card comes with {$320.00} travel credit annually. 

I had a transaction with airbnb on purchase on XX/XX/2022 for {$290.00}. It's been over 3 weeks and I'm not seeing the travel credit being applied. I've tried calling the customer service numerous times and nobody was able to help. 

Could you please advise?
Complaint sub-issue: Their investigation did not fix an error on your report

I sent Equifax the attached letter on XXXX XXXX. Equifax received it XXXX XX/XX/22. The certified mail tracking number is XXXX. Equifax has defamed my character. Remove these accounts or I will bring legal action against Equifax for defamation of character.
Complaint sub-issue: Information is missing that should be on the report

Sometime between XXXX  XXXX, 2019 and XXXX  XXXX, 2019, both of my XXXX XXXX credit card accounts were removed from my Equifax credit report. This was done without my permission and has dropped my score by over 60 points. I am still an authorized user on both accounts so both should be listed on my account. This has seriously impacted my life as I was in the process of applying for a home loan. I will be seeking financial restitution in the amount of {$2000.00} per account for this illegal activity.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, DP OF EDUC XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, DEPTEDXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have reached out to this company for XXXX yrs and several police reports and they fixed th issues with other bureaus this company Equifax have lied never fixed anything they have reported incorrect information that have caused me not to get employment and housing. They is reporting company XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I made a complaint to the CFPB already in regards to this account, however XXXX in the " Office of the President '' left messages with a phone number that we could not reach back to speak with her. Only after calling Best Buy and them sending a message did she actually call. Their process is designed to frustrate and dissuade the consumer from taking action. Her advice was to call the collections department, as she could do nothing. 

Someone who works in the office of the President at CitiBank has the ability to print money, and they can certainly fix this issue. When it was presented to me at the store, it was said to be Joint borrowers, it was also shown on the account as a Joint account so her assertion that he was merely an authorized user at best is false. 

Also they did not let me know there was account issue in the time frame ofXX/XX/XXXX until XX/XX/XXXX when applying for another loan. 

There is a pattern of this treatment of customers on their web fourms, complaints on the CFPB and in Lawsuits already on the records.
Complaint sub-issue: Impersonated an attorney or official

Parents and wife ( on her office phone ) received calls, from DTA Investigations, stating the I had lawsuit against me and needed to speak to me. I called them back and they informed me that I had a pending litigation against me from XX/XX/2008. I informed them that in the state of Texas I could not be sued after 4 years. They argued with me and accused me of lying about the medical bill, " So your saying on the record call you have never been to this location ''. I informed them I have never been treated at the facility in question. He again said this call is being record and repeated the statement above.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not protect my very personal information and allowed that information to be dispensed via a data breach. I will be forced to deal with this for years to come.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit  trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my XXXX had been stolen. I got online and made an account with identity XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} XXXX XXXX {$34000.00} XXXX XXXX {$7700.00} XXXX XXXX XXXX {$3200.00} US DEP ED XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} US DP ED XXXX {$3200.00}
Complaint sub-issue: Information belongs to someone else

I have recently found out I have been a victim of identity theft, someone stole and fraudulently used my information to open accounts without my permission and knowledge. The following accounts are sed accounts opened under a fraudulent application. 
On XXXX : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX US BANKRUPTCY COURT Opened XX/XX/XXXX On Equifax : XXXX Opened XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX On XXXX : XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX U.S. BANKRUPTCY COURT Opened XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Complaint sub-issue: Unexpected increase in interest rate

I had a valid Mastercard with Citi which I closed several years ago. The rationale for my voluntary closing the card was due to Citi raising the rate. At the time I had a large balance on the card and continued to make payments on the card. Within the last year my 9.9 % rate has been raised twice to the current rate of 11.49 %. I have inquired several times concerning the recent increases, only be told that the rates were raised to reflect the change in the Federal Reserve rates. They adjusted my rate accordingly. My question, is when the standard interest rates were lower, how come my 9.9 % was not adjusted downward. It seems that would have been appropriate. I have never been notified by Citi, to rate increases.
Complaint sub-issue: Deposits and withdrawals

Scam call ( s ) from ( XXXX ) XXXX. When I answer phone call from this number, its informing me that I had a transaction that they were checking on. Then, when I informed them that they had the wrong number and I don't have a bank account under PNC bank they asked me for my bank and I told them it was none of their business. They then told XXXX XXXX XXXX XXXX XXXX XXXX ''. Please use the phone number to crack the case.
Complaint sub-issue: Account information incorrect

There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation
Complaint sub-issue: Their investigation did not fix an error on your report

I previously submitted a police report and FTC report for identity theft. The accounts listed below are still reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :
Complaint sub-issue: Information belongs to someone else

After reviewing my credit profile I notice unauthorized inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

In accordance with the fair Credit Reporting act XXXX XXXX XXXX {$1900.00} XX/XX/2022 XXXX U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Confusing or misleading advertising

THIS UNIVERSITY US FRAUDULENT ADD TO BRING STUDENTS THEY PROMISE TO HELP YOU TO GET A JOB AFTER YOU FINISH BUT IS NOT TRUE WE ARE ALREADY TO MANY STUDENTS SCAM BY THIS SCHOOL BECAUSE THEY OFFER YOU A DEGREE AND WENT YOU GO TO APPLY FOR JOB THEY SAID THIS CERTIFICATE IS NOT GOOD AND THEY STACK US WITH A LOAN AFFECTING US WIT OUR CREDIT AND WITH NO JOB, AND I WANT THEY TAKE BACK THIS LOAN OR HELP MY GET A JOB LIKE I WAS PROMIS
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

I took out the loan for {$30000.00} ( {$32000.00} after fees, etc. ) in XX/XX/XXXX. Once I started paying back on my loan, they would not work with me on re-payments. The payments would be {$250.00} for the first six months of the year, then would jump to {$300.00} for a few months, then to {$350.00}, then to {$400.00} for the last 2-3 months of the year. Beginning of the next year, they would go back down to {$250.00}. However, due to me not being able to afford the last few months in total monthly payments, I would fall behind on the loan and they refused to work with me. My son was one year old and having serious health issues and they would not take this into consideration. Within a few year span, I had paid {$10000.00} towards this loan and only {$900.00} of my payments went towards principle balance. The rest went towards interest. My total loan also jumped up to {$42000.00} and they could not explain this, they could only tell me it was due to the " late fees and penalties for falling behind on my payments ''. At one point when I fell behind in XX/XX/XXXX-XX/XX/XXXX, I offered to pay {$200.00} but the woman on the phone actually refused to accept this amount, saying they could only accept a minimum of {$500.00}. In XX/XX/XXXX I had to meet with an attorney to file for chapter XXXX bankruptcy, as XXXX was threatening to garnish my wages.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX unauthorized credit inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Consumer Relations Department Consumer Disputes XXXX  XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My complaint is about CITI BANK CBNA and XXXX Credit Bureau. I noticed XXXX unauthorized inquiries on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX and XX/XX/XXXX because I did not apply for credit with CITI BANK CBNA. 
Please launch an investigation into CITI BANK CBNA inquires to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if CITI BANK CBNA is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Complaint sub-issue: Investigation took more than 30 days

EQUIFAX Continues reporting information more than 30 days after investigation of debt verification XXXX , XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Complaint sub-issue: Right to dispute notice not received

I have attempted to dispute a charge off with XXXX XXXX, I have spoken with what they stated was the presidential office with a woman named XXXX. She explained to me that the charge off happened three days previous, XXXX and continued to tell me to deal with collections. She offered no support and when I was sent to the collections number, they did not have my account on file, thus I was never notified about this debt/charge off and now they are refusing to attempt to remedy the situation. I do not have any records showing I had a balance as I presumed the account was closed. Thank you for your help. 

XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Complaint sub-issue: Charged too much interest

This complaint is regarding a Home Depot Card. The account was used in XX/XX/2018, and I was billed a balance of {$100.00}. The payment was due XX/XX/2018 and was paid in full on XX/XX/XXXX. I just received my new billing statement which closed on XX/XX/XXXX. The purchases total {$110.00} and there is an interest charge of {$2.00}. The card is managed by Citibank. I contacted customer service via an online chat and was told by " XXXX in Idaho '' that even if I pay my bill in full, that I will continue to see interest charges until I have made two consecutive payments of my balance in full. She states the interest is compounded daily. I pay my bill online and there is an option for payment that reads : " Amount to avoid interest on next statement '', and that is the amount I paid.
Complaint sub-issue: Other problem

The XXXX XXXX Credit Card is the company credit card not my personal credit card. The company 's card balance keep affecting my personal score. I contacted the credit report company and tried to resolve this issue but they have not solve the issue. This situation has affected my score negatively.
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 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
Complaint sub-issue: Problem with personal statement of dispute

To whom it may concern, Back In XX/XX/XXXX on My XXXX  XXXX card I was late on a bill due to a death in the family and I never got the bill in the mail. I had called In XXXX when I paid and brought up this situation about my late charge from month prior and late fee. The customer service rep said they would remove the late fee from my credit report to all the credit agency 's as a courtesy since I always pay on time and this was a time offense. 

Over the past few months I have not looked at my score. Today on XX/XX/XXXX I realized this wasn't removed tried to call customer service since they were the ones back In XXXX who told me this would be removed. They told me to write a letter so I figured best to come here so you guys can resolve it quickly as I'm trying to fix all inaccurate things on my credit report.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX  Date Filed/Reported : XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued and the debt is on my credit report and negatively affecting my credit. 

The company is Jefferson Capital Systems Amount : XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX