Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart-felt explanation of the facts surrounding my own financial hardship. I therefore request Home Depot to  submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.
Complaint sub-issue: Debt was result of identity theft

a credit card and a few other accounts were opened by my x wife with out my consent. i have received multiple letters and phone calls from XXXX XXXX  XXXX regarding a account that i did not open or have knowledge of. after explaining this several times i stopped answering there phone calls as i got no were with them and there only concern was to collect a debt i did not owe them. now a collection company named cks financial has began to harass me non stop from multiple numbers and even restricted numbers. there extremely rude and threatening and demand money which i do not owe. a letter to stop harassment was sent to XXXX XXXX  XXXX along with a identity theft report FTC report number XXXX even with this both company 's still violate the law and keep harassment daily up too 12 times a day
Complaint sub-issue: Account terms

I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX Please run a full examination on this account name and number because it does n't look right and delete this account from my credit report. 

XXXX XXXX I am disputing this account in its entirety because I feel that it is a violation of the Fair Credit Reporting Act. Please check with the furnisher of this account and make sure it is 100 % accurate and verifiable and delete it from my credit report. 

XXXX XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX Please run a complete investigation on the account name and number because I feel it 's not accurate and discard this account from my credit report. 

XXXX XXXX Run an investigation on the assigned date and last activity date because this does not match my records. This account is passed the statute of limitations as well. Please remove this collection from my credit report.
Complaint sub-issue: Information belongs to someone else

I was shocked when I reviewed my credit report and found so many incorrect items that does not belong to me. 

Creditor : XXXX XXXX XXXX Acct # : XXXX I am so frustrated with this company. I have repeatedly asked XXXX to help me. I do not own this debt and have asked for verification of this debt which they have been unable to answer. I dispute the validity of this bogus debt and demand that you permanently remove this item from my credit report.
Complaint sub-issue: Account status incorrect

I have been a member of XXXX for about 4 years. In XXXX, XXXX, when XXXX XXXX cards were no longer accepted at XXXX, I received a XXXX Anywhere XXXX from Citibank. I already had XXXX XXXX cards from XXXX other banks and I did n't want a third XXXX. On my next visit to XXXX, I asked the person at the customer service desk if they accepted any XXXX. The answer was yes, so I had a membership card made to use for shopping at XXXX. I asked him what I needed to do with the Citibank Visa and I was told since I had n't activated it, I did not have to do anything. 

In XXXX, XXXX, without my knowledge or permission, Citibank charged my XXXX membership dues to an account I thought did n't exist. I receive all of my bills paperless and online so if I received any mail from Citibank, I would have assumed it was junk. I also did not know this account existed. 

About a month or two ago I started receiving phone calls about my Citibank Costco account. Some of the people left messages that were spoken very fast, somewhat garbled and hard to understand. I assumed they were scams since I did not think I had a Citibank XXXX account. 

On the advice from my lawyer, I decided to call Citibank thinking I was reporting scam phone calls. I was shocked to find out this account had somehow been activated without my knowledge, as well as fees and late charges which totaled over {$300.00} from the original {$110.00} charged in XXXX. They were very willing to remove all of these charges which were late fee and interest except for the {$110.00}, which I paid from my checking account for the XXXX dues. 

I am trying to buy a home and these charges have dropped my XXXX XXXX from XXXX to below XXXX. I have been told by the loan XXXX all I need is a letter from Citibank stating they removed these fees from my account which will positively effect my XXXX XXXX. 
Citibank refuses to do this and will only state I have a zero balance. 

I am XXXX XXXX XXXX and have always had an excellent XXXX XXXX, pay all of my bills in a timely fashion including a different Citibank account I have had. 

I thought the reason a credit card has to be activated is to insure the correct person receives the card. The charge was made ten months after the card was sent to me and had never been activated. 

I do not understand how Citibank can remove charges but still claim my account is delinquent. 

I think this is fraudulent since they have removed fees but refuse to report to the credit bureaus this was their errot.
Complaint sub-issue: Information belongs to someone else

There are several accounts reporting on my credit file either in error or result of identity theft. Please assist me in getting these accounts and unauthorized inquiries removed from my credit file. I did not authorize anyone to apply for or open any accounts using m personal information. Please see the attached Identity Theft Form. 

The following accounts does not belong to me : XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX  INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX of 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: Debt is not yours

on XX/XX/XXXX I attempted to call Afni debt collection dept to resolve this {$380.00} collections acct showing on my credit report. It was originally an XXXX XXXX  XXXX XXXX but XXXX already paying off XXXX utility bill with XXXX XXXX XXXX so I shouldn't have XXXX bills. Since then, I moved out the apartment and cancelled with XXXX XXXX XXXX back in XX/XX/XXXX. So, I called Afni at XXXX and spoke with a rep but was told I didn't have any collection account with them. I would like it removed from my credit report. This has caused great stress to my financial situation.
Complaint sub-issue: Their investigation did not fix an error on your report

Following up in regards to : PRIMARY CONSUMER PRODUCT AND ISSUE XXXX I did not have the opportunity for a rebuttle. I was hoping that case number can be re-opened so I can submit the documents I sent them over 2 months.
Complaint sub-issue: Debt is not yours

I continue to receive calls from what is listed as XXXX XXXX - Debt Collector at XXXX. These calls have come off and on for over two years. The latest calls came at XXXX and XXXX XXXX on XXXX XXXX, XXXX XXXX on XXXX XXXX, and XXXX XXXX at XXXX XXXX. The caller claims to be looking for an XXXX XXXX. I have informed them on several occasions that I do not know an XXXX XXXX, that this phone is registered on the Do Not Call list, and that I do not desire any more phone calls from them. I further informed them that
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax stated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXXXXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and the date last reported is not accurate, high balance inaccurate, last verified inaccurate, closed date inaccurate. This is grounds for removal. THE FCRA LAW STATE EVERYTHING HAS TO BE 100 % ACCURATE OR THE ACCOUNT HAS TO BE REMOVED. EQUIFAX HAS NOT CONDUCTED A PROPER INVESTIGATION BECAUSE THERE ARE INACCURATE ACCOUNTS ON MY CREDIT REPORT. Equifax ( PERSON ) has violated MY CONSUMER RIGHTS UNDER 15 U.S. Code 1681b ( a ) ( 2 ). I the consumer never gave my written permission to Equifax the person to furnish anything on my consumer report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX HAS ALSO NOT FURNISHED THE ACCOUNTS ACCURATELY ACCORDING TO METRO 2 COMPLIANCE STANDARDS. SEE ATTACHED LETTER.
Complaint sub-issue: Investigation took more than 30 days

THEY HAVE NOT ADDRESSED THE FACT THAT THEIR INVESTIGATION TOOK MORE THAN 30 DAYS.
Complaint sub-issue: Unable to open an account

CITI bank recently sent me a promotional savings account as shown in the attached but it refuses to open up the account for me. I have been using this promotional savings account with CITI bank 3 times during the last year or so but they are refusing to do so anymore on the pretext that I took my money out as soon as the terms of the promotion was satisfied. The terms as explained in the attached documents is to leave a certain amount of money in the saving account for 60 days and the bank will give the customer the promotion within 90 days after the 60 days condition has been achieved. I have been doing so three times so far but they are mad and upset with me that I had been taking the money out of the accounts a few days after the 60 days requirement had been achieved. This is what I was told by a few of the bank representatives. This is a hypocritical and dishonest advertising as the bank requires the customer to leave the money in the bank for only 60 days and then to be upset with the customer when the money is taken out of the account after the 60 days. At one time they did not want to open the account for me as the bank was suspicious of where my money was coming from. So I had to take the documents to them to show them the money was coming from selling of five of my rental properties. At that time the bank opened up the account for me and I received the bonus. But this time the bank is mad at me because I have been taking the money into another bank with higher interest as soon as the 60 days period is reached. The attached precisely explains that the bank sent me an invitation but the bank refused to open up my account. The last time that I got the bonus I received a letter from the bank that the bank was going to close my account forever. Therefore, I had to close the account myself to avoid having a bad effect on my credits. 
Also, the last time I received a flyer in the mail that If I opened an account for {>= $1,000,000}, the bank would gave me {$2500.00} bonus. but the banker told me sine I have been a CITI gold customer I was qualified for {$3500.00} rather than {$2500.00}. But the bank only gave me {$2500.00} instead of {$3500.00}. When I objected to that I was told by the regional manager in Utah that {$2500.00} was better than nothing!!!. This is fraud in both advertising and customer relationship.
Complaint sub-issue: Reporting company used your report improperly

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX  # 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 an account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

Dear XXXX XXXX XXXX, I am writing to file a complaint against Jefferson Capital Systems , LLC for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an account they claim I owe. 

I have reason to believe that the account is inaccurate, and that Jefferson Capital Systems has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX XXXX, that shows the transfer of ownership of the alleged debt to Jefferson Capital Systems. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Jefferson Capital Systems has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Jefferson Capital Systems has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my XXXX XXXX and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ). 

According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Jefferson Capital Systems has failed to do so. Because of this failure, I am citing the legal responsibilities of a collection agency to the consumer to report the accurate date of initial default which provides the timeline for reporting. 

I am requesting an immediate investigation into this matter, and that the XXXX XXXX XXXX take appropriate action to hold Jefferson Capital Systems accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX XXXX XXXX DEPT XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I have a student loan but they are not the one.. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Bank 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 an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax sent me an email stating this same collection ( Complaint ID XXXX ) was on my credit report with them. They only change the date to XX/XX/2021 as the date reported. I attempted to do a fraud report, they responded with statement of on going investigation in progress. They would not let me submit/or accept my request. Their reporting agency is the only one that has XXXX me over for years with their credit reporting. This time I'm not gon na stop till they correct their problem with is causing me problem.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$3500.00}
Complaint sub-issue: Other problem

I put down a deposit to be able to qualify for a discover card and the company promised to return the deposit after months of proper use in which I had. Discover said they sent out a check via mail even though I had paid my deposit from a debit card. They stated they would send out another check a month ago and now has no answers to me still not receiving my deposit
Complaint sub-issue: Changes in terms mid-deal or after closing

Hello, I 'm contacting you in regards to some concerns I have with the way your employees at your headquarters are handle business practices within your company. I recently applied for a car loan on XXXX XXXX and was given options on my loan based on my consumer report and annual income. When I contacted your reps to verify nothing else was needed, I was told only my license needed to be uploaded and my check stubs just in case your underwriting dept needed them. After uploading these documents, a few days after the holidays I contacted support to get the status. I was then told some information that was incorrect and wanted to speak with a supervisor, after being connected with team lead XXXX in Arizona instead of being assisted with my concerns on what I originally called in about I was attacked with all kind of questions that I felt was unnecessary to ask being the underwriting dept had already emailed me with a few things that were needed to move forward and out of those things I only needed to provide one. XXXX began to ask questions that I felt were inappropriate for him to ask. He also informed me that on a previous application that was submitted months before there was n't any verification done for a fraud alert I have on my credit report, also informing me at the time there was n't one on the report and that 's why the verification processes was n't done. I then contacted XXXX to make sure this was true and it was verified it was n't. After receiving the initial email of documentation that was needed after getting off the phone with XXXX I received another email and suddenly documentation requirements changed. XXXX not only went on Secretary of State to investigate the company but also accused me of not being an employee but the owner! After, I explained that I was no longer affiliated with that part of the business and was just an employee XXXX he continued to find other unethical reasons why they could n't go any further. " The number on the account created with XXXX did n't match the number on my credit report '' even after I verified the number on my report with XXXX he never took the proper measures to verify me which was calling the number listed on my consumer report and verifying security questions. I 'm disgusted with the way I was treated and investigated despite the information I provided and furthermore I feel as though decisions were made based on feelings and not fair business practices. After, resolving that issue XXXX wanted additional information other than the check stubs I provided. He began to ask for scanned documents from the bank even after I provided my check stubs and bank statements from a legit bank institution showing proof of income. After, complying with all his requirements he still refuse to approve my application
Complaint sub-issue: No notice of investigation status/result

on XXXX XXXX, 2016 i filed a dispute for XXXX judgment and XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate the items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when i contacted the Clerk of the XXXX XXXX of the State of California as well as the XXXX Office they BOTH report that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the records reporting. Upon contacting Equifax and requesting that they mail a description of their procedures, indicating the exact name and contact information, for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The XXXX tax liens and XXXX judgement should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.
Complaint sub-issue: Their investigation did not fix an error on your report

Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$50.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$4200.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;