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

I have been trying to dispute the fraudulent items and request the Credit Bureaus to remove them completely from my Credit Report. I have bee sending multiple letters attached with complete proofs of my identity as well as the ID THEFT REPORT I received from the FTC. However, it has been brought to my attention that the XXXXredit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If the Credit Bureaus choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : 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 XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/2021. The last letter I sent requests the Credit Bureaus to send me copies of documents bearing my signature to prove the Credit Bureaus ' claims regarding the fraudulent items, which they have failed to do so and yet continued reporting the disputed items. This action by the Credit Bureaus is a clear act of violation of my rights under the FCRA.
Complaint sub-issue: Reporting company used your report improperly

on XX/XX/2022 i paid off my XXXXXXXX XXXX  & credit score went up XXXX XXXX, Then on XX/XX/2022 i paid off my XXXXXXXX XXXX XXXX card {$4400.00} & my credit score went down XXXX XXXX, This credit reporting agency is equifax. i was turned down for a credit increase because of it.equifax is a rotten crooked organization, they make money when your score is bad, I plan to sue
Complaint sub-issue: Information is not mine

I 'm a victim of identy teff someone try to open lots of account in my name I call all the credit bur to let them no what 's going on I conct the credits about the inquery they they were spouse to be removed for some reason equfax is not remove wing it they keep giving me the runner around.
Complaint sub-issue: Old information reappears or never goes away

I'm filing a complaint against Conn Credit Corp. After reaching out on numerous occasions to resolve this dispute my letters were returned. In XX/XX/XXXX I rented a washer and dryer from the company and continued to make monthly payments until the account was paid off. Conn continues to report negatively late payments in XXXX and XXXX. I contacted them XXXX  months ago to request they stop sending me advertisements or flyers because I'm not interested in purchasing anything else with their company and they have not removed the late payments from my XXXX Credit Report. My account was open in XXXX and the last XXXX numbers of my account number is XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They removed some reports from Equifax but they were not able to remove it from XXXX and XXXX. 
The company showing on my report are XXXX XXXX XXXX XXXX. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX / XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX formerly XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt and have been reporting it on my credit reports. For the past 4 months, I have been requesting documents to support their claim. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! I don't understand how they get away with putting this on my credit ... No proof. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$9700.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed this Item several times with along with others with Equifax however, they did not comply with the State Attorney General Settlement Agreement and 609 letters  with this one particular item. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify the item. If you do not have any documentation in your files to verify the accuracy of these disputed item then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Complaint sub-issue: Debt was result of identity theft

I have attempted several times to get this collection removed that is from XXXX XXXX XXXX or IC Systems IC. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file. I have the signed copy of the FTC if you need it.
Complaint sub-issue: Account status incorrect

Incorrect info from ServiceMac stating we were late in XX/XX/2022 and it showed on our reported pulled by lender for new mortgage when payment was made XX/XX/2022 posted and cleared XX/XX/2022 for mortgage amount of {$1100.00} and shows at ServiceMac that it was posted but they chose to commit fraud on all three credit bureaus for both my wife and myself. This payment is done online from husbands account. So now we can't get a loan even though payment was made and has been for one year. Phone calls and complaint files with ServiceMac has done no good. Please help us remove the incorrect info that ServiceMac has chosen to ruin our credit for us two senior citizens in XXXX XXXX, Florida.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Complaint sub-issue: Account status incorrect

I had been communicating with XXXX about XXXX  XX/XX/XXXX and taking on a new route for better health. On XXXX.20, I decided to go forward. However, once I went through the consultation. Then I was scheduled with someone else for the program. In that conversation the representative realized my dismay and the fact of me being misled to believe the program was something else. The representative referred the manager to contact me. I was contacted immediately. At that time, I was redirected and once again it was an app needed to fulfill the program. I just received an smart phone and was not savvy with apps and it was impersonal. So, after I spoke with the rep and the manager, I determined this program was nothin which I hoped for and it was not a match and for my lifestyle at all. I contacted the manager and informed I wanted to discontinue. I sent an email to the person whom I originally talked with. After I sent email and left a voicemail without any response. I communicated with my bank for dispute. This communication was within less than 24 hours from my initial contact with the representative whom referred me to the manager. Therefore, I as a VA resident exercised my right to cancel 59.1-21.3. Cancellation of sale. As a matter of fact, I cancelled the services ALL within 24 hours. Aside from the fact, Three-Day Return Policy In consumer-facing businesses, the cooling-off rule can more commonly refers to a consumer protection law regulated by the Federal Trade Commission ( FTC ), that allows a buyer to release themselves from a purchase agreement within a set number of days of a purchase I contacted the manager and left a voicemail. No response I left a email to confirm cancellation ( attached no response ) I just want to make consumers such as myself aware of bad business practices and lack of response for resolution while transitioning to a healthy lifestyle. This behavior and handling of business is not acceptable nor ethical and possibly unlawful.
Complaint sub-issue: Information belongs to someone else

initially sent a dispute letter XX/XX/2020, with a picture of id and social security side by side and a bill and got no response. Then I sent another letter XX/XX/2020 certified mail. again with a picture of id and social security side by side and a bill. there reply was they cant locate my account and asked me for the same information ( id, social security, bill ) That i already sent. This has been well over 60 days of my initial letters and feel as if I am being stalled.
Complaint sub-issue: Didn't receive advertised or promotional terms

Hello, I signed up for the Citi Double Cash card on XX/XX/XXXX. The promotional offer at the time was for a {$150.00} cash back bonus after {$500.00} in purchases within the first 3 months of opening the card. I called multiple times to confirm that the bonus was available and was told over the phone that it was available. The week of and the week after I signed up, as well as in Mid-XXXX and twice in XX/XX/XXXX on 1XX/XX/XXXX and XX/XX/XXXX. I have met the minimum spend amount and am expecting the bonus but was told now that the sign up bonus was not applicable to my account. I have a screenshot of the bonus offer if needed. 

Thank you
Complaint sub-issue: Information belongs to someone else

I am a victim of identity fraud. Someone opened accounts under my name without my knowledge XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently obtained a copy of my credit report and there are accounts that DO NOT belong to me. Please investigate these accounts and remove them from my credit report. Please send an updated copy of my credit report.
Complaint sub-issue: Investigation took more than 30 days

I NEVER disputed the referenced accounts listed below. These items were wrongfully deleted from the credit file. Those positive accounts are being reported by my creditors and you should be reporting the positive accurate information. 

Credit bureaus must report all account history accurately under the FCRA. 

In accordance with the requirements of the Fair Credit Reporting Act FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am hereby requesting your complete compliance with all of the provisions. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply by providing the requested information within the 30 days allowed. 

This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately adding these listings back to my credit report. 

XXXX XXXX XXXX XXXX XXXX, Acct. No # XXXX XXXX Credit Card, Acct. No # XXXX XXXX XXXX Acct. No # XXXX XXXX XXXX, Acct. No # XXXX XXXX XXXX, Acct. No # XXXX
Complaint sub-issue: Information belongs to someone else

cra violation not mine inaccurate information sent ftc and po report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have had a Costco Club Visa card for years. I spent most of XXXX in the hospital for many serious medical issues. All of a suddenly Costco Citi Visa card was declined when I tried to use it for a regular online service at a regular website. Their weak answer was : XXXX.You were over your credit limit all of a sudden. 

I am not a math major but if my little puny credit limit is $ XXXX why is my bill only $ XXXX. Their math is fuzzy. I even paid my bill that wasn't due for over {$1000.00} until next month and they don't give me credit for this. They won't until the future date it is due... .and still my bill was not over my credit limit..notice?. 

I make {$84000.00} annually with combined XXXX and XXXX XXXX  and I just turned XXXXUntil recently I have had nothing but problems trying to make my payments over the phone. The overall credit card company industry needs reform to streamline it to simple rather than complex as it is now., Long winded annoying and they seem to want you to hang up rather than pay your bill or report your card lost or stolen lately. Why I have no idea. You sometimes have to wait minutes before getting to the option to pay your bill rather than simple terms... last statement balance, current balance, or a different amount. Simple but they refuse to do this. You have to write down the amounts they offer in advance of making a payment. Terrible!!! 

This Citi card and others are not user friendly anymore. I am not XXXX my hard earned money on expensive postage stamps. I want these companies to be called on to refine their phone payment options and allow easy link to resetting passwords when you forget them not force you to XXXX contact a XXXX female customer service rep trying to speak English I can't understand and hang up on me when I ask for someone who speaks English I can understand. 

Not all of this pertains to Citi Visa Costco membership club card. My issue with them is my credit limit is insultingly puny compared to other credit cards I have and they declined my use of it when I was not over my credit limit of over $ 2000+ when my bill for next month was just over {$1000.00} ... can't be so. This morning alone I spent over XXXX hour and XXXX minutes getting nowhere and transferred to everyone there. 

Thanks, XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Follow up with COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 citi card told you and I that they will resolve by XX/XX/2020. 
However they did not contact me or resolve that. 
That is not first time that citi play games with me about the issue.,
Complaint sub-issue: Investigation took too long

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX 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 are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification 1. XXXX no account number Unverified Account 2. Chapter XXXX no account number unverified account Thank You, XXXX XXXX Attached : Copy of my Social Security Card & Drivers License is attached
Complaint sub-issue: Don't want a card provided by your employer or the government

XX/XX/2020 I received an unsolicited USBank ReliaCard ( VISA  debit card ) in the mail with a welcome message asking me to activate this new card. I am not unemployed and did not apply for any unemployment benefits. I tried to call USBank twice today ( XXXX20 ) but I could not get through to anyone without first activating the card which I will not do. Nor will I give them my SS number in order to speak with someone. Someone may have fraudulently applied for unemployment benefits using my identity. I don't know of any other way to resolve this issue than to start with the bank that is issuing this debit card.