Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention that pursuant to the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX XXXX, XXXX  I went online to XXXX I placed an order and it was for {$26.00} and I paid it thru XXXX XXXX XXXX XXXX XXXX ( XXXX ) Then I seen a charge at about the same time for {$28.00} thru Citi Cards. I thought at first that is where I got the order that I placed at XXXX. So I called Citi Cards and disputed the overcharge of {$1.00} to make it {$26.00} and they did. Later I was checking my XXXX  account on line and it says that is the card I used and ( See attached ) I had wrote that on my receipt too. So I called Citi Cards on XXXX XXXX, XXXX  and disputed the rest of the {$26.00} amount. The lady I spoke with asked who lived in the house besides me and I said my wife XXXX and no others had the card. She noticed that was not the name, and I asked that was not the name of the person that made the purchase, and she said yes, NOT XXXX or XXXX. and I told her that was the XXXX card scammed in a row. She then tells me they will remove the {$26.00} within 2 days. The on XXXX XXXX I called back to Citi Cards and they had not removed the {$26.00} as they said they would and the guy says they didn't do it cause I or they had been disconnected, which is not true. So he says he will, and 7 days later on Citi Cards website, there is no dispute happening and nothing has been done so far, and the charge of {$26.00} is still there.
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

As I am POSITIVE you are aware, as an injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ). 

As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being " PAID/PAYS as AGREED, NEVER LATE ' and as nothing else.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. 
WITHOUT : Permissible purpose from the creditor. 
Written Authorization ( your signed application of credit ) Proof you  initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995
Complaint sub-issue: Problem with fees

Sears by Citi credit card offered 0 % for 12 month promotion with activation, I activated offer and received - offer activated response, from website, did try to activated again, and received - offer already activated. Purchased item in excess of {$1000.00}, but did not see promotional balance on statement, called the Citi, they telling me that I did not activate promotion, which is a lie, sine i tried on 2 different occasions. Now they want to charge me excessive interest.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DPT EDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! 

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA!

I request that Jefferson Capitol verify the following information.

1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs.

Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Complaint sub-issue: Account information incorrect

Notice for Proof of Claim Account : XXXX  ACCT # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. There are XXXX accounts beginning with the number XXXX which are reporting. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX and XXXX  XXXX  XXXX  Acct 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 instruction.
Complaint sub-issue: Other problem getting your report or credit score

I Am Having a Problem with my Credit Report for some reason Equifax Place a lock on my Credit Report Trying To Use Lock & Alert and this Problem is being happening for 6 month and Equifax is not allowing me to Access My Report and i have send letter to Equifax with my Social Security Number State ID And All The Documents they Ask For I Have Send it To Equifax and Equifax has not fix my Problem that i am Having with my Credit Report and i cant log in to my Lock & Alert and Equifax wont remove the Restriction of My Credit Report Please Help me With This Problem And I Also Requested Copy On My Credit Report With Equifax and they Have Not Send it to me Please Help me Resolved this Problem
Complaint sub-issue: Frequent or repeated calls

On XX/XX/2021 I received many phone calls to my cell phone from The General Revenue Corp. I was finally able to answer one call and reached XXXX ( I am not sure if that is the correct spelling of her name ) ; however, she is a collector and I advised her that my phone number ( XXXX ) had been dialed two times to her and I speaking and that it was a violation of the FDCPA. I advised that the times that I was called were XXXX, XXXX, and then at the time that I was speaking with her which was at XXXX. She became combative and defensive and made me seem as if I was a liar. I advised that I would be able to supply proof of it and requested to speak with a supervisor. I was transferred to a senior representative that has manager capabilities. He did not provide his name when asked but he did provide the complaint numbers of XXXX and also XXXX. I was able to leave a message on both. Neither the senior representative or the initial person ( XXXX ) verified my information either. I advised to place my number on the XXXX ( do not call ) list. I left a message at the complaint numbers but there has not been any response on this. I felt as if I was being harassed because the calls were coming in constantly from this agency while I was at and it affected my ability to be productive.
Complaint sub-issue: Information belongs to someone else

I am appalled by the ability of the Credit Bureaus to remove the disputed items completely from my Credit Report despite all the letters and complaints I have been sendong them. I have read that the Credit Bueaaus are required to remove the disputed items completely from a consumer 's Credit report under the Fair Creit Reporting Act section 605b, however, upon reviewing my updated credit report, I came tio a conclusion that the Credit Bureaus became negligent of their duty. I am now submitting this complaint to inform the Credit Bureaus that I have been offered help from my legal counsel and that they are willing to help my file a lawsuit against the Credit Bureaus if they stilll chose to not comply with my requests. If the Credit Bureaus do not want to be brought up to court, I need them to remove the following items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX  XXXX Balance - Date opened XX/XX/2015 XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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: Debt is not mine

On XXXX/XXXX/2012, I completed a deed-in-lieu of foreclosure and was discharged of the mortgage debt of the property located at XXXX, IL. I am now being contacted by the company Seterus , Inc, a debt collection agency. Seterus claims that I am in default on my loan for this property and that I owe them money. I have sent them the warranty deed in lieu of foreclosure several times to prove that I do not own this property and that the debt was discharged, but they continue to send collection notices.
Complaint sub-issue: Account status incorrect

I have a line of credit in the amount of {$1000.00} with PNC Bank. I am a long standing customer as well as my husband as his business account are with PNC ( was known as National City Bank as well as my accounts as well. A couple of months ago the amount of {$140.00} was used from the line of credit on one of the accounts. I don't know if it was an over draw or what. The bank sent us a bill and I gave it to my husband and he forgot to pay it. It was an oversight. When the bank sent a second notice, he went in and paid it and the account was paid in full and up to date. In the meantime, PNC reported this to XXXX with a statement that my account was suspended and closed. I was so upset. I went into the bank and they were not helpful. Even though it was an oversight and I never had a late payment, they said that I would have to take that up with XXXX  which I know can't do anything about it without PNC getting involved. My account is open and active and PNC would not even send an update to XXXX  and XXXX to tell them that the account is open and active So now on my credit report this untrue statement will remain for 7 years. I have worked extremely hard to keep my credit rating in good standing and now this is on there and it isn't even true as of XX/XX/2019. I never have had a late payment on anything. I am surprised that they did this and more unhappy that they will do nothing to update this so it doesn't show a closed account on my credit report. 
I filed a Complaint with XXXX  but without PNC cooperating, nothing will happen Hopefull your agency will be able to help me so that I will not have to have this blemish for 7 years on my credit report.. 
This is not how to treat a long standing customer. 
Thank you for your time. 
XXXX XXXX
Complaint sub-issue: Public record information inaccurate

The XXXX XXXX XXXX XXXX is reporting a lien on my Equifax and XXXX credit reports. I went on the XXXX XXXX XXXXXXXX XXXX 's website and searched my last name to see if it was any information, there isnt.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX. I HAVE BEEN ATTEMPTING TO BLOCK THESE ACCOUNTS OFF OF MY CREDIT FOR SOME TIME NOW. DUE TO THE NATURE OF THE DISPUTE, IT IS A VERY SERIOUS MATTER AND AM NOW SEEKING LEGAL COUNCIL AND HELP FROM THE CFPB! 

PURSUANT TO SECTION 605B OF THE FCRA. ACCOUNTS AND INFO CLAIMED AS FRAUD MUST BE BLOCKED WITHIN 4 BUSINESS DAYS WITH ALL THE RIGHT DOCUMENTS PROVIDED. I HAVE PROVIDED ALL THE PROOF YET THE BUREAUS HAVENT BLOCKED THE ACCOUNTS!
Complaint sub-issue: Information belongs to someone else

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX  XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Complaint sub-issue: Problem getting your free annual credit report

I was able to access my Free Credit Report from  XXXX  companies  ONLINE ;   XXXX  and   XXXX    without any problems.     However, when I tried to complete the online process to receive my FREE REPORT FROM EQUIFAX, I was unable to. I was told I would have to submit PAPER COPIES OF ALL THE REQUIRED DOCUMENTS ( S.S. card, pay stubs, etc. ) through the mail.     I feel this is outright ridiculous and would put my personal & credit information in jeopardy.     I do n't see why I should not be able to access this information online.
Complaint sub-issue: Trouble with how payments are being handled

To Whom It May Concern, This is the same complaint that I had a couple of years ago when I was trying to pay off a particular loan and was making payments. My balance was not going down and I got some XXXX response from this company. 

Again, Im making payments to pay off another loan and my balance is not going down. Where are my payments going? Do these people know what they are doing? I want a breakdown off all my payments made and what loans they are applied to since my balance is not decreasing when I make payments towards them. 

On XX/XX/XXXX made a payment towards a loan that had a balance of XXXX on XX/XX/XXXX the balance is still the same? Where is my payment that should have been applied? On XX/XX/XXXX another payment was made in the amount of XXXX. Now you would think that my balance is XXXX plus one months interest. NOPE ITS STILL {$2900.00}????? 
This company is defrauding me and the company should be investigated by the CFPB. This is an Unfair Deceptive Abusive Acts and Practice and they are pyramiding payments which is against Regulation AA.