Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}. 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
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 ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Other problem

I 've   had this ongoing issue with Macy 's regarding my account, when Macy 's switched accounts to Citi from their previous servicer my credit account did not transfer over to their new system and all the while I had no access to my account and neither did I know any payments were due, as everytime I logged into the account the profile showed blank and I assumed there was no payments due. This was not the case and due to this error Macys ended up marking me late.
I have chronologized Macy 's online systems   mistakes with pictures in the attached word document.
Complaint sub-issue: Frequent or repeated calls

I received a call from national recovery agency. The debt collector was rude. I told him that if I were to pay this debt, that I will contact the actual company. He told me this was going to be sent to my credit and I have to pay them. I then ended the call and then he floods my text messages with texts from The company as soon as the call was ended.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I submitted documentation and a Dispute letter for unknown and inaccurate accounts on my credit report its over 30 Days now but I haven't received any response yet. I was a victim of Equifax data breach. Need to remove those unknown and inaccurate accounts or I will file litigation.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Reporting company used your report improperly

In attempting to purchase a new car I was advised derived from my Equifax report that there was a credit freeze applied. This was NOT through any effort of mine but was applied by a third party unbeknown and never heard of previous by me. I NEVER used their services. An attempt to call to resolve was met with this- 1. Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. I find this a great abuse of power and fraud. Their action providing a lie and incorrect information not only cost me the sale but contributed to adverse financial impact upon me and mine. I have had consistent and major problems with credit reporting agencies NOT reporting correctly or repairing the damage in an efficient time or manner. All three allegedly have reporting data accessed and prepared outside of these United States and they fail to respond to my request to cease even though multiple written reports have been made to them and through your hollow shell of a protection resource. WHY? The fact is just a day before y credit score was reported to me 100 points higher. In my opinion this entire system is a mere con and shell game to exploit and defraud people to gain higher interest rates and money! As you say and to paraphrase in my own understanding and words- go away and get a lawyer! You say it not me! As a post script I had a freeze through the major bureaus removed almost two years ago and it is evident by the evidence presented there is in my opinion a major flaw in this entire system
Complaint sub-issue: Their investigation did not fix an error on your report

I opened a credit card with XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX
Complaint sub-issue: Problem lowering your monthly payments

I have a student loan through Nelnet and I was not aware of the payments aft the time. Was going through financial hardship and missed a few payments.
Complaint sub-issue: Debt was result of identity theft

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite my previous written request, the XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX  XXXX )
Complaint sub-issue: Investigation took more than 30 days

sent all FTC guideline documents. to prove the violation
Complaint sub-issue: Debt is not yours

I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within XXXX  days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than XXXX days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

XXXX ( Original Creditor : XXXX THE XXXX XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hi! It's me again XXXX XXXX XXXX, I am making a follow-up with the letter I sent you over a month ago, XX/XX/2022 to be exact. I requested for you to send me the method of verification used in determining the accuracy of my credit report and you haven't sent me anything yet. I have been advised by a legal expert that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue you delaying my request. This is of great importance and I trust that you will not delay any longer.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX XXXX XXXX XXXX posted this XXXX XXXX  collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by XXXX  validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. 

On XX/XX/XXXX MRS BPO posted this same collection to my credit reports. Clearly they purchased this debt from XXXX and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. 

I also see that either XXXX  or MRS BPO has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. 

Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. 

My wife and I are trying to close on our first house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. 

I request no more than the immediate removal for my credit reports as well as a side letter from BPO confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Charged too much interest

I made a purchase with Best Buy They said I had 12 months no interest. After 12 months they said I would be charged on the remaining balance. After 12 months I was charged {$540.00} interest. I called and they said sorry about Best Buy not informing me correctly but now I had to pay the remaining balance + {$540.00}. This is an absolute scam. I thought I was going to get charged for interest on the remaining balance not on the balance since the beginning! What is the point of this!?? It 's a pure scam! : ( XXXX XXXX
Complaint sub-issue: Application denied

was told they are not going to do a hard pull on m y credit score. it t hey did.. they lied ...
Complaint sub-issue: Confusing or missing disclosures

I contacted Betterment a number of times over the last couple of weeks to investigate investing with them. The customer service personnel are completely inadequate for the task, unable to answer any questions aside from the very superficial info provided on their website. They gave me the runaround and in multiple calls would not connect me with anyone who had the required knowledge. This broker dealer operates on an unethical scam methodology, preying on those who are not sophisticated enough to know what to ask. A number of times the reps put me on hold for an extended time to try to get answers to my questions, only to come back with promises that they would follow up, with just one email response consisting of just a form letter pointing to the website without the ability to interact for required answers. The last rep told me they would charge me to speak with a more knowledgeable person there to provide information needed for me to decide whether to invest with them! This kind of outfit should be banned. As part of the poor organization strategy, the firm should be more concerned with hiring higher skilled employees that are capable of doing their job properly instead of the focus on " diversity '' emphasized on their website. I had multiple conversations with reps on their main cust support line, XXXX, and corp number, XXXX, where their was only a recording and they never called back when I left a message.
Complaint sub-issue: Their investigation did not fix an error on your report

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 investigate and correct 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 COLLECTION ( Original Creditor : COLLECTION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Complaint sub-issue: Information belongs to someone else

While checking my credit report, I notice an account from MACYS DSNB that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. They finally respond back to me XX/XX/XXXX, see attached, informing me that they will contact me with the result of their investigation once it is completed. It is now XX/XX/XXXX and I have not received their result and they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that MACYS DSNB is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX XXXX to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One XXXX XXXX credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have submitted invoices to Citibank and filed complaint with XXXX to which the vendor claims they will not work with me. Citibank will not talk to me when I call which makes filing disputes incredibly difficult. I have paid over {$12000.00} to a merchant that has not fixed my diesel truck. It will not crank again after running less than 5 minutes. On the day I picked it up after driving it 70 miles it had to sit an hour before it would crank back up. This is after the mechanic had the truck for over a week. Citibank is not properly following through on documentation being sent to them. As a result, instead of working to resolve my dispute in my favor they are doing very little despite the annual fee of {$490.00} that I pay them.
Complaint sub-issue: Account information incorrect

XXXX  XXXX XXXX XXXX Account number- XXXX I have sent 4 letters disputing this account due to its reporting inaccuracy over a 5 month period and have yet to get a response. The account is showing 30 days late for the month of XX/XX/XXXX with XXXX, while showing paid on time with Equifax and XXXX  for that month. Also, Equifax is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and XXXX  for that month. XXXX  is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and Equifax for that month. I have checked my records and I have never made a late payment any of these months. In addition to the inaccurate reporting, it has been over 150 days and I still have not received a proper investigation or response to my disputes. This inaccurate reporting is adversely affecting my credit scores.
Complaint sub-issue: Problem with rewards from credit card

Loyal customer of Citi Cards for over 15 years. Purchased hotels on XX/XX/2019 using a Citi-Premier Card Thank-you Points on the XXXX web site. Contacted Citi in XXXX to notify them that I would not be renewing my card. I was told that I would have to call when the card was due to expire. I told Citi that I would be in XXXX, it was unreasonably that I could not simply have the card non renewed on the expiration date and the exact reason why I would be cancelling because of my displeasure with cancelling card benefits during a contract. This resulted in my purchase of trip insurance through another provider. The end result of that conversation I am told resulted in termination of my card on that date. I would say that I did not prematurely cancel my card at that time, Citi would say that I did. What sense would that make when I had already paid the premium for the card? Regardless, there is a 90 day policy to return points. 

All points used through Citi 's travel agency, XXXX, were put back on my Premier Card and then disappeared because of the expired card. Each time I made a phone call and Citi-Points then placed the points on my secondary XXXX Citi card. 

I used Thank-you points on the XXXX website to purchase two separate hotels one for {$100.00}, the other for {$270.00}. On XX/XX/XXXX, I received notification from XXXX that my points would be refunded by the same method used at checkout. When my points did not show up within 7 days I started making phone calls and have compiled well over 20 hours trying to resolve it often waiting over an hour to talk to a person. I simply get transferred from one department to the next or get cut off because the transfer never goes through. On the phone I filed a dispute and told it would be settled in 20 days. Nothing happened. I filed another and was told it would be resolved in 5 days. Nothing happened. When I call to find out how it was resolved nobody has any idea what I am talking about. 

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX number. I finally found out that all along the reason my points were not returned after numerous attempts was because my card number no longer existed and repayment was rejected. ( A statement that I had made to every Citi representative ) XXXX has tried everything to try to help me. They even tried to contact Thank-you points in a three way call but could not connect with a person! I called two different people in the department that issues Citi cards and both told me that I only had 30 days after card termination to activate the account which would have been possible if Citi would have directed me to do so back in XXXX. At the same time Citi returned points to that card for points used through XXXX.
Complaint sub-issue: Frequent or repeated calls

I pay One Main Financial every month. I may not be on the due date, but my account never goes 30 days late. The call me on their robo call XXXX times a day- XXXX days a week.