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

XXXX XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I file this against XXXX XXXX debit relia card .on XX/XX/XXXX i did not get my money when i went into the XXXX XXXX to make a cash withdraw with the XXXX XXXX debit relia card XXXX XXXX XXXX XXXX valid thru XX/XX/XXXX security code XXXX of {XXXX}. i please ask for it be refunded on to my card.i file this complaint againt XXXX XXXX debit relia card company. There cameras in that it will show i did not get my money. I ask for a refund
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a fraudulent account for XXXX XXXX XXXX twice with Equifax and both times they have stated the account to be verified. As I mentioned in both my disputes that the account is fraudulent in nature which was never opened with my permission or knowledge. XXXX  and XXXX both deleted this account almost immediately. As of XX/XX/18 I filed an Identity Theft Report with the FTC. Equifax does not reply to mailed in disputes with proof so I am disputing this account by a means of the CFPB. I have included my Identity Theft Report, Letter to Equifax, copy of the FCRA 605b, copy of my Drivers License, copy of my Social Security Card, Proof of Residency and copy of recent Equifax Credit Report with the Fraudulent Account highlighted.
Complaint sub-issue: Account status incorrect

I setttled my Citi bank account LEGALLY. The credit bureaus & Citi have yet to update this information. Instead they updated it to that I made payment but still owe. The letter I have here showes proof that my obilgation to the debt has ben satisfied. I am in the process of gejtting a house and this information is making that process extremely difficult. This includes the negative payment reported for XXXX when my payment was made in XXXX.
Complaint sub-issue: No notice of investigation status/result

On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( Equifax , XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my Equifax credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with Equifax Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX, Equifax has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.
Complaint sub-issue: Problem with fees

In XX/XX/XXXX, I contacted Conn’s customer service to inquire what my payoff amount would be. I was told that my balance was XXXX. I asked if that was the amount I needdd to pay to close my account, and I was told that was correct. I paid the amount within a week.  6 months later in XX/XX/XXXX, I receive a promotional flier from Conn’s that also had in the upper corner a note that said Current Balance : XXXX(this amount may be off by a few dollars).  I contacted Conn’s and asked why the flyer showed I had a balance. I was told that I did not pay my balance before the promotional period was up. I explained that amount I paid was given to me by their customer service rep and that was the amount I paid. They put in a ticket and the manager asked that I call back in one week. I called back about two weeks later spoke to the manager and she told me that the balance was being written off and not to worry.  In XX/XX/XXXX, I start to receive text message and emails stating that I missed a payment. I have not charged anything new so I contact Conn’s to see what is going on. I spoke to customer service and they say they see where the balance was requested to be written off and will put in a ticket.  I have called every week since, and today I am told that they are not going to write it off or do anything about it. The representative is now stating that they have no records of any of the conversations not even the conversations with the manager.
Complaint sub-issue: Contacted you after you asked them to stop

Everyday in the month of XXXX XXXX and XX/XX/2021 ENC has been harassing me, My family members and any contact they can find and they refuse to send me proof that they own the debt. They have called and left messages with family repeatedly even though they have asked them not to call. They will ask family if they are me and refuse to remove their phone number. They will laugh in the phone when asked. They call my phone and minutes later I will get phone calls from family on a debt they have not proved that they own or is authorized to collect. This debt is over 4 years old according to them and I still have a phone plan with this company. The same number that they call me on with XXXX. They call more than 3 times a day to me or multiple family member including my XXXX year old. I have continusily block numbers and they call on new ones. I need your help
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX  - {$0.00} - 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

On XX/XX/2020 i called ERC spoke with a rep who offered a settlement of XXXX $ to have account removed and updated on my credit report. I never received email or an receipt for my payment. I called back rep advised me the payment was successful and account was noted but account wasnt updated in the systems that it was paid in full via settlement offer. Account is reporting incorrectly and hasnt been removed.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Reporting company used your report improperly

In XX/XX/2019 I was denied credit due to an inquiry for my credit score from XXXX , XXXX. I have never heard of this company and when I call to get a copy of my credit report I have to leave a voice message. An online inquiry or a written inquiry to XXXX , XXXX, I have to provide copies of my driver 's license along with other documents, including my social security number. Is XXXX  , XXXX a legitimate credit bureau? Never heard of them and why can't I get a copy of my credit report from them. No call back and no one answers the phone.
Complaint sub-issue: Account information incorrect

Tesla XXXX XXXX is falsely reporting a loan on my credit report of over $ XXXX. I have never applied for or opened an account with Tesla. I entered into a monthly solar power buying agreement with XXXX XXXX, I did not obtain a loan or ever sign a loan agreement. 

This entry erroneously reflects a higher debt balance that lowers my ability to obtain more favorable credit rates. 

Other consumers have had this happen to them, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

These accounts are not mine. Please check and investigate the origins of these accounts. I do not recognize them at all but I am tired of this situation. Why does it take so much time to do something towards my situation? Its not fair at all that I have fake accounts in my own profile.
Complaint sub-issue: Problem with personal statement of dispute

Equifax and XXXX show reporting dates of XXXX Their info needs to be updated.
Complaint sub-issue: Account status incorrect

XXXX Federal Student loans should be deferred due to unemployment and COVI-19. XXXX continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred
Complaint sub-issue: Other problem

Placed order on XX/XX/2020 on Macys.com under order number XXXX, it is a qualifying purchase for the 12 months interest free financing as it is a jewelry watch purchase. I fully understand that the total purchase has to be paid within the 12 month period to avoid retroactive finance charges. Please place this purchase under this category back to the original purchase date.
Complaint sub-issue: Information belongs to someone else

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

1. XXXX XXXX XXXX 2XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXXof former friend use my information and created an account with XXXX I have reached and notified XXXX that I was not the one who made the account and that my information was used with out I never purchased anything from XXXX myself however XXXX did not close the account nor did they conduct any investigation to my claim I haven't heard from XXXX since the first bill until I was served papers in XX/XX/XXXX almost two years later saying that Not only was this in collections but they have sold my account and information to another company I was never notified of the sale or them even planning to to sell through the filed Court claim I learned that the company that they sold it to was Jefferson Capital Systems LLC collection agency. In the bill of sale/purchase agreement it clearly states that Jefferson capital systems has to update XXXX  with any payment information that is concurrent and dates of payment and XXXX has to report those changes to the credit report bureau promptly and both companies failed to do so.they have already gone through the court process and had this account to be garnished from my job a year later they did garnish my paychecks starting from XX/XX/XXXX until it's completely paid off from XXXX which is my place of work my issue is that all my credit report it does not reflect to which collection agency XXXX sold my account to or who purchased that account nor does it have an update stating that the account was paid in full and is closed and been satisfied instead of says it's delinquent and it's really putting a big red mark on my credit I would like that do you have updated I believe I should have me at my money back due to the fact that is not wasn't me who opened the account but at this time I just would like to have my information updated on my credit report report there is no report from Jefferson Capital Systems LLC even having this account or that it was in collections that it was open and they're working on suing me and it doesn't say that I was garnished and paid it off last year
Complaint sub-issue: Card was charged for something you did not purchase with the card

I recently filed a CFPB complaint against Upgrade because of my account reflecting charges I did not authorize, the agent who responded said the transactions were being placed under investigation yet my account is still showing a balance and says I am past due?! 

How can I be past due for something I never purchased? 

I was promised this issue would've been resolved, I had reached out to the Claims Team the representative provided on the previous complaint however NO ONE answers! 

I've reached out 6 times already and left voicemails with no one contacting me back or helping to resolve this issue.
Complaint sub-issue: Information belongs to someone else

There are 7 accounts on my credit report that do not belong to me I have been trying to contact the bureaus by mail or phone regarding this since XX/XX/2020 and they have done absolutely nothing about this I need this taken care if because it is affecting me in a negative way and these are not my accounts I should not be wasting my daily time to write letters open FTC and other reports to prove they are not mine. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

I've contacted XXXX  many times, regarding information currently being reported on my credit file I've informed that this information is in the result of identity theft I've sent them my credit report, my dispute letter, my FTC affidavit, my police report, I've also sent them a copy my other report so they can verify that the accounts I reported as fraud had already been verified and removed by the other credit bureaus and they are still refusing to remove the accounts! 

The accounts are 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX   4. XXXX XXXX THEY ARE REPORTING MY XXXX CARD WITH LATE PAYMENT WHICH IS NOT CORRECT ALSO I HAVE 51/ WHICH 48 ARE INQUIRES HAT ARE FRAUDULENT!
Complaint sub-issue: Debt resulted from identity theft

someone used my information to obtain a loan on a vehicle that I have never owned. and it is showing up on my credit after notifying the company that my stolen identity was used to obtain this loan no 0ne would ever respond this is after getting a police report and notarized id theft affidavit as well.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, my wife, XXXX, used our Citibank credit card, which we are both account holders of, to book a vacation rental for a home in XXXX XXXX, NC through XXXX XXXX XXXX XXXX ( XXXX ) for JXX/XX/2020. That charge for the stay, including taxes was {$4300.00}. There was an additional deposit of {$250.00}. These were to two ( 2 ) authorized charges for our stay and booking. That same day, we noticed that these two ( 2 ) charges were each posted twice to our Citibank account, a minute apart. We immediately contacted Citibank who informed us they were not " holds '' but actual charges. Citibank marked the double charges as disputed and said that they would look into the matter. We also contacted XXXX, which is owned by XXXX, and advised them about the double charges. After repeated telephone calls, the dispute was still not settled and neither company could provided us with a straight answer. During the week of our stay at the beach rental, the owner came to see us and told us that XXXXXXXX  had contacted him and said that he would not be getting paid pending an investigation into us being double charged. It was rather embarrassing. We immediately contacted XXXX, who would only advised that their billing department, who does not speak with consumers over the telephone, was investigating the matter. Citibank, after repeated telephone calls throughout that week, eventually told me that it was obvious that there we were double charged. The customer service representative also stated that we should no longer contact XXXX/XXXX and instead allow Citibank to handle the dispute within seven to ten business days. On XX/XX/2020, Citibank informed us electronically that they had completed their investigation into the disputed double charge of {$4300.00} and {$250.00} was closed and that they had sided with the merchant. This means that the inerrant double charges of {$4300.00} and {$250.00} will be no longer marked as disputed, but posted to our account and left or us to pay. This week, I contacted the NC Attorney General 's Office and included statements and emails from both companies. The NCAG 's Office, agreed that we were double charged, but referred me here since Citibank is a national bank. At this point, we have done all we can do as consumers. We have spend multiple hours on the phone with these two companies. I will attached some emails and statements. Please note that the included statement for Citibank may not include the newly posted, once marked as disputed charges of {$4300.00} and {$250.00}. Our next statement closes on XX/XX/XXXX, which is when the double charges will be officially be posted. It is my hope that someone here can help us in this matter, since our own bank won't.
Complaint sub-issue: Can't close your account

Tried to open a citi savings account on XX/XX/19. I had recently moved and did not have any utilities w/ address that they requested after the application was submitted. I found this requirement odd for people who recently moved. I called on XXXX to inquire about alternative documents which ended in customer representative saying that they did not want my business. I told her to cancel my application and close the account. She assured me that it was done. 

In the following 2 weeks, I received 2 additional emails to fund my account. I called back to inquire why the account is still open on XX/XX/19. I was informed that the application was automatically extended until XX/XX/19 and there were no notes on the account about my previous phone call or request to cancel the application and close the account. I was then told that I had to wait until business hours to call back so that this could be done. In the meantime, I would be responsible for any charges on the account. 

Extending the application deadline so that my account can incur fees while I was being informed the account would be closed seems like fraud to me.