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

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXX really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXX gon na go to court
Complaint sub-issue: Their investigation did not fix an error on your report

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of the XXXX account with a balance of XX/XX/XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Complaint sub-issue: Didn't receive enough information to verify debt

Disputed with the company on XX/XX/2021. Company received my dispute on XX/XX/2021. It is now XX/XX/2021 and I have yet to hear anything back from the company. The FCRA gives the company 30 days to respond and I haven't gotten a response for this medical bill
Complaint sub-issue: Account status incorrect

i no longer have the original lease documents for this car, but lease origination date, term, and number of payments received are all very clearly visible on my credit report as reported to XXXX and XXXX   by VW Credit Inc. 

The lease started in XX/XX/XXXX with a term of 36 months. My credit file shows on time payments each and every month through and including XX/XX/XXXX so 36 months, 36 payments due and 36 payments made. 

For the time period from XX/XX/XXXX through XX/XX/XXXX the loan was reported as Account Status = Closed, Payment Status = Paid/Never Late. For some reason in XX/XX/XXXX VW Credit Started reporting again on a lease that had been closed out for a year and is now showing it as Payment Status = Paid, was a repossession. Repossess a car on a lease which had ended and was paid a year prior? 

I don't get it.
Complaint sub-issue: Information belongs to someone else

I have a number of accounts on my credit report that do not belong to me. I would like them removed. 
XXXX  Account XXXX account Bank XXXX XXXX account XXXX account XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX  XXXX  XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXXE XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX 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: Account information incorrect

Equifax is currently violating FCRA by reporting inaccurate and false data on my credit report. None of the account numbers match any documents from Department of EducationXXXX XXXX XXXX. There are XXXX different account numbers on Department of education correspondence, however none of them math what is being reported on my Equifax credit file. I disputed this directly with Equifax and they did not respond wiith in 45 days on my request, however Equifax drop my score XXXX points without cause since my dispute request. i have requested from XXXX via XXXX certified mail to remove these inaccurate i from my.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I am working XXXX jobs right now to pay off my balance and I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX XXXX. XXXX XXXXXXXX account # XXXX. XXXX XXXX  account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX  account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 USC 1681 section 602 A I have the right to privacy.

15 USC 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: Fraudulent loan

I, XXXX XXXX XXXX XXXX entered into a consumer credit transaction with CARMAX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CARMAX took cash. The finance charge is supposed to include insurance, but CARMAX made me purchase insurance separately. CARMAX failed to disclose my right of rescission. 15 USC 1635 defines the consumer 's right of rescission. 15 USC 1611 defines the criminal liability for willful and knowingly violating 15 USC 1635. 15USC 1640 defines the civil liability for violating the federal law.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint myself. There is no third party involved. 

The Fair Credit Reporting Act ( FCRA ) is intended to protect consumers from invasions of privacy, and my privacy as the consumer has been invaded ; I sent 2 letters already to this reporting agency where I provided my written instruction to remove/delete : 1. Public Record ( Bankruptcy ) ; 2. Accounts in collection / charge-offs ( if any ) ; 3. Negative / late payments from open and closed accounts ; 4. Inquiries, soft and hard ; 5. Personal information ( addresses, telephone numbers, Spouse/Co-Applicant, Employers ), and if they could not remove/delete, I asked them to provide the investigated report that was used to verify these records/accounts, to provide written authenticated proof of authority sworn under penalties of perjury upon their commercial liability insurance, to provide written authenticated proof of claim sworn under penalties of perjury upon their commercial liability insurance, among few other things, to be able to verify/validate the accounts and other records I disputed ; Some items may or may not have gotten removed already but the most impacting to me is the Bankruptcy record which has not been deleted yet. This company along with the furnisher ( XXXX ) claim to have obtained this Bankruptcy record from local/state/federal courts but in the evidence I attached, you can see that United States XXXX Court advised that they do not furnish this type of information to any Bureaus or Credit Reporting Agencies so why is this company reporting this ; Also, in accordance with 12 CFR 1022.41 ( c ) ( 2 ), a furnisher can not be a consumer reporting agency as defined in section 603 ( f ) of the FCRA, however, as mentioned, this record was furnished to this reporting agency by XXXX who is a reporting agency ; Lastly, there are inconsistencies and inaccurate information across all three of my consumer credit reports which lack integrity from the furnisher ( s ) in accord with 12 CFR 1022.41 ( d ). For example, the XXXX  record in the XXXX report is showing a different address for the Court which is different than what XXXX shows, and Equifax does not have any address at all ; I asked for documentation to be provided to me if any of my disputed items/records can not be deleted and this has not been granted. Therefore, I want these removed as soon as possible if such evidence does not exist. 

Proof of the letter from Court and portion of my 3 consumer reports are attached.
Complaint sub-issue: Debt is not yours

Weekly I receive mail from this company Jefferson Capital Systems LLC, Pursuant to 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is in fact a violation. This company has reported a collection account on my consumer credit report as well which has affected my reputation as a consumer, and has not allowed me to use my credit resulting in severe stress. I will file for litigation due to the stress this company has caused me, I will give this company the chance to cease all communication with me through all mediums. In fact I have sent a cease and desist as well as a debt verification which will be attached below, I will also give this company the chance to delete any reporting what so be on any credit reporting bureau involving this account as soon as possible. Jefferson Capital Systems LLC has 30 days from the receipt of my cease and desist and also my debt verification to respond, if no result or response resulting in deletion, so be it litigation is shall be.
Complaint sub-issue: Card opened as result of identity theft or fraud

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have requested verbally and by written statement that equifax remove these inaccurate and fraudulent accounts and inquiries off of my consumer report according the correct protocols by FCRA.
Complaint sub-issue: Investigation took more than 30 days

I received i copy of credit reoport and found the following item to be " INACCURATE '' XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already sent disputes on these accounts and nothing was resolved. You have violated the United states code law 15 U.S.C 1681 a.1.a. Code 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem with product or service terms changing

Credit karma has been falsely advertising pre-approved credit cards. And I have an one of the victims affected by this.
Complaint sub-issue: Company closed your account

So I had a credit card purchase denied today on a Citibank branded credit card. I logged onto my citibank account and saw all of my credit cards and my wife 's credit cards closed. In addition XXXX citi thank you points, {$710.00} in cashback ( and based on the credit cards terms I should have a bunch more they just posted ) {$200.00} in cahsback, and another XXXX in citi thank you points were gone from my account. I received no email or letter regarding this. 

I called citibank and the representative confirmed my accounts were shut by the bank, they claimed an email was sent on XX/XX/XXXX ( it was not, I have nothing in my inbox or my trash and the representative confirmed my email is on file ). He also claimed i am losing all of my points and cashback, and said he can't discuss this over the phone and didn't give me another options saying possibly a letter will come in the mail and maybe I can respond there. Regardless on the citibank website it told me to call the number I called, so it seems they are giving me a runaround. 

I would definitely like to get my points and cashback, like to know why they shut all my accounts and if possible get it reinstated. 

Thank you
Complaint sub-issue: Problem with fees

On or around XX/XX/2020, I contacted US Bank in order to close my credit card account with them. I was assured by the phone representative that the account will be closed and the {$60.00} annual fee refunded in FULL. I was expecting the refund of the annual fee to be offset against the charge I have made on XX/XX/XXXX, with the aim of avoiding having to deal with the nuisance of having to a check in the mail and deposit it. 
Unfortunately, contrary to the confirmation by the phone rep, the fee wasn't refunded and the account appears to not even have been closed.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting {$6400.00} owed to my Equifax and XXXX Reports as of X/2017, and I 'm no longer liable for that debt due to it being charged off to XXXX XXXX, a 3rd party debt collection agency. The charge off balance is incorrect, aand should reflect a {$0.00} owed with it being charged off to XXXX XXXX. Collecting on a debt that has been charged off and sold to a debt collection agency is a direct violation and unlawful according to CFPB and BBB. I will file a complaint against XXXX XXXX XXXX XXXX / XXXX XXXX XXXX for falsely trying to collect on a charged off debt that I 'm no longer liable to them for. I sent several letters to Equifax and XXXX in regards to validating the reporting of this correctly, and each time, I get no response back to the 609 letters I have submitted via USPS. I provide signature confirmation to show that each letter sent was received and sent to the correct address. 

Please investigate this and have this removed from my Equifax & XXXX Reports.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Public record

Bankruptcy is over 10 years old, please remove.
Complaint sub-issue: Other problem getting your report or credit score

I contacted Equifax because they told my lender that I was blocked and they could not give them my credit report. Equifax told me to fix it I would need to send them my social security card and driver 's license and I did. Today I checked in and saw what happened and called them and they said they got the documents but could not verify me anyway and wanted more stuff. They then transferred me to an indefinite hold. I tried calling back XXXX times and have been on hold a total of XXXX  hours today alone and each time the call cuts off. I have also called XXXX, XXXX and XXXX and all 3 say my files with them are fine but XXXX says Equifax Is showing error XXXX XXXX in error and they need to remove it. Equifax is pretty much dodging me at this point
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Trip to XXXX on XX/XX/XXXX, for the total cost of XXXX canceled by the airline. I was supposed to be refunded for the journey but haven't. I contacted cash app and haven't heard anything back. This is unacceptable ; this is the 3rd time I am rightfully entitled to a refund. The airline reported issuing a refund, but cash app hasn't returned my funds. The other two transactions happened on XX/XX/XXXX, and XX/XX/XXXX ; both were part of a payment plan for a product that was never received. Cash app refunded the transaction but later reverted the refund even after the company stated that I was entitled to a refund.
Complaint sub-issue: Reporting company used your report improperly

A creditor ( XXXX XXXX ) has unlawfulley treated a payment on a loan account under an open end consumer credit plan as late! 

So by law referring to 15 USC 1666B : a creditor may not treat a payment on a account under a open end consumer credit plan as Late for any purpose!
Complaint sub-issue: Reporting company used your report improperly

I had co-signed for an ex to purchase a vehicle from MCMC in XXXX XXXX, TX. We ended our relationship soon after. She let the vehicle go into repossession. The company failed to notify me of the repossession to at least give me the opportunity to assume the loan and they never contacted me with notice of collection or intent to report to the bureaus. I contacted the company some time ago and they said they would remove the account from my credit report if I were to dispute. I have disputed and they changed the status from " Involuntary Repossession '' to " Voluntary ''. I have contacted the company SEVERAL times in the past weeks and now can not get passed an account representative. I have left several voicemails with what I am told is a supervisor but I have never received a call back.
Complaint sub-issue: Account information incorrect

Equifax has made false allegations, and caused me a great disservice ... the erroneous negative reporting is affecting my life, and now they are stating that they will not provide an answer through the cfpb 's portal, because I may be using a credit repair company or clinic ... I am not, but even if I was it is at my discretion, and it is my right ... 
Can they just abide by the F.C.R.A. and act accordingly? 

this is an unjust tactic or measure they use often according to other consumers ... I want the items removed and an apology for the false claims ... litigation may follow indeed ... 

These accounts were settled with the original creditors, and no contracts exist with collection agencies and no validation has been provided, because it does not exist, and creditors have been contacted ... and I am yet to even receive the false investigation from Equifax ... 

XXXX XXXX {$82.00} XXXX XXXX {$75.00} XXXX XXXX XXXX  XXXX {$1400.00} charge-off
Complaint sub-issue: Debt was paid

IC system is reporting a debt on my credit report after I explained to them its not my debt. They told me if I paid it they would delete it. I paid them and it is still reporting on my credit report after paying it after they agreed to delete it after paying.
Complaint sub-issue: Personal information incorrect

Here it is two years later and I can not access my EQUIFAX credit report and I have already filed two complaints. I am thinking of going to meet with legal counsel because they will not rectify the matter. 
Previous complaints filed : Report XXXX Date XX/XX/XXXX I requested my information from Equifax in XX/XX/XXXX and upon receiving it my birth date along with other personal information was correct. I disputed what I could via online XX/XX/XXXX and then I faxed a letter ( XXXX ), a copy of my ID, a W2, and a bill to show the correct information. Still, my birth date that another individual was allowed to change was not changed to my correct DOB. Fast forward to XX/XX/XXXX I mailed a letter with the same information that I faxed on XXXX and still, my information has not been changed with Equifax. I can not request a copy of my file because my information does not match, when I call I'm told to fax over proof of my identity to be able to obtain my own credit file. They are constantly giving out data pertaining to me to everyone but me and it is incorrect. 

Report XXXX Date XX/XX/XXXX Currently, there is an open investigation on Equifax with CFPB # XXXX. Equifax mailed me an updated credit report XXXX ( it showed on my XXXX dashboard ) stating they have corrected my DOB. That is incorrect, my DOB is XXXX now they have changed it to XXXX. Why can they not correct my information to the correct information and I submitted a Government-issued ID.
Complaint sub-issue: Account status incorrect

CitiBank. I have tried to settle an old debt. They indicated that the account was to old, that it had passed the statue of limitations. I sent in multiple payments trying to open the account back up as indicated. They never opened the account back up so I could negotiate a settlement. They then sent a letter indicating that they charged off the account. They continue to report this to the credit bureaus.
Complaint sub-issue: Information belongs to someone else

They are reporting a collection account in the amount of {$410.00} for XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureau.
Complaint sub-issue: Was not notified of investigation status or results

I sent an Identity Theft Affidavit on XX/XX/2021 certified mail with green return receipt to XXXX, XXXX and Equifax. They received the affidavit based on the certified mail tracking number and failed to block information resulting from identity theft.

To my understanding under section 605B of the Fair Credit Reporting Act they must take 4 days after receiving the mail to block resulting from Identity Theft.