Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

Equifax will not mail me out a complete copy after opt out by letter 2 times. Equifax has not mailed me no copy as requested. I have allso filed a complaint with US attorney office in regards to my credit rights. Equifax has let to provide my free copy or anything
Complaint sub-issue: Banking errors

Citi Bank has been rearranging my transactions so my account goes into the negatives and I lose out on money. This is the third time this has happened and now Im getting sick of it. I got paid {$1800.00} from my job on XXXX XX/XX/2022. I made purchases on this day at a couple of stores. Why is it that when these transactions posted they Are being posted before my check and showing me a negative balance. THEN none of my transactions are showing they posted on the same day the purchase was made. I have transactions that were made on XXXX XX/XX/2022 and showing it posted on XXXX XX/XX/2022. This does not make any sense. I only spend what I have. I have lost out on a {$200.00} XXXX  because of what they did to my account. Now I feel like they are literally stealing my money. Once you spend money on your account it automatically comes out of your account so how the XXXX am I spending money but my account is in the negative. It doesnt make any sense.
Complaint sub-issue: Used obscene, profane, or other abusive language

Email to Jefferson Capital attorney : Mr. XXXX, I have been doing my best to pay you guys off and you were professional and courteous. However, I am getting daily calls on maybe a different account or this one. I'm not sure. But my brother was here visiting and answered the phone and I was in the bathroom. Can you please pull the recording and send it to me?

Call received XXXX XXXX  est on XX/XX/2021 Caller : This is ( he didn't catch the name ) calling on a recorded line. Is this XXXX? 

My Brother : Yes Caller : This is Jefferson Capital calling about a debt you owe in the amount of $ $ $ $ $ $ ( He can't remember ) I want to know how you are going to pay this? 

My Brother : Aren't you supposed to verify who you're talking to? Because this is not XXXX. 

Caller : Well you lied on a recorded line XXXX! XXXX the phone down. 

Can you please send me a copy of this phone or tell me how I can request a copy of it? 
Everyone is struggling through the pandemic and I have done my best, but I will not be disrespected like that. 

What is the remedy for a debt collector that behaves in this manner?
Complaint sub-issue: Information belongs to someone else

I have no knowledge of the following account XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover Card. 

Ordered cell phone from XXXX that had an incorrect web description. XXXX C/S told me within 8 hours of placing the order to order the correct phone and refuse the original shipment as they refused to cancel 1st order ( with no cost to me ). Was to get credit for {$570.00} within 4 days. Phone was refused and returned per XXXX 10 days ago. No credit. Second order for correct phone was received and billed to card as XXXX suggested. 
Opened dispute with Discover Card. Discover is refusing to issue temporary credit and blames the CFPB ( after I threatened to file a claim ) ... stating that CFPB regulation is why the inquiry was put on hold. Further, Discover communicated NOTHING about the dispute. Nothing on my account web page, no response to secure emails and customer service has no answers ( even after speaking to a supervisor in Delaware office ). I have everything in writing from XXXX and shared with Discover during the dispute process.

Discover refuses to issue temporary credit!! I never received the goods I was charged for due to no fault of my own. I should have received this credit immediately! I want my credit!!
Complaint sub-issue: Trouble using the card to spend money in a store or online

Date : XX/XX/19 ( First contacted them ) Company : XXXX Phone # XXXX Amount : {$500.00} x 2= {$1000.00} I was given 4 gift card, {$500.00} each as my birthday gift XX/XX/19. I found out two out of 4 were registered and used in NV before I open the wrapper.The gift cards were purchased from XXXX XXXX XXXX, CA. I couldn't get the receipt and I was able to get the credit card statement to prove the purchase. I faxed over the two gift card copy, both front and back, a long with my Drivers license and the credit card statement to prove the ownership XX/XX/XXXX, I have been calling the customer service for a week, nobody could help me.
Complaint sub-issue: Information belongs to someone else

In response to my previous dispute/complaint, XXXX claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via XXXX XXXX and ca produce a XXXX  They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have XXXX XXXX XXXX accounts and have only ever had XXXX, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were XXXX bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law.
Complaint sub-issue: Account information incorrect

I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with a settlement offer for a charge off account with XXXX XXXX  from XXXX ( {$3100.00} past due ). It was sent via certified mail & gave XXXX XXXX  ample time opportunity to decline. They did not, I later sent a restrictive endorsement check for {$790.00} ( via certified mail on XX/XX/XXXX ) and reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the account with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the XXXX XXXX  agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX, XXXX  , & XXXX -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the check but did not honor the terms of the agreement. Only the payment was reported to XXXX, XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act Jefferson Capital Syst collection Account, 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: Information belongs to someone else

Hi my name is XXXX XXXX. To whom it may concern I would like this matter to be taken very seriously because they 're are several accounts on my credit that seems to either be an error, wrong, unverified. I am aware of all my rights and there seems to be a very big problem where I feel that several laws in the FCRA we 're broken and I can point them out. 1. The accounts are outdated. 2. No verified signature or paper with a signature. 3. A verbal verification or a phone call ca n't prove it 's a verification between a creditor and the credit bureau. 4. I refuse to get blamed for a fraudulent and I was wrongfully judged and discriminated against by XXXX, Equifax, and XXXX customer service reps were disrespectful, unprofessional and I am filing a lawsuit on behalf of these accounts and they way I was treated. I was treated poorly, unfairly. A. XXXX B. Equifax C. XXXX : 1. XXXX XXXX : fraud 2. XXXX XXXX : fraud 3. XXXX XXXX XXXX : fraud 4. XXXX XXXX XXXX XXXX : fraud, no signature verification, Date opened XX/XX/XXXX past 7 years old account. 5. XXXX XXXX XXXX, fraud, error late account opened in XX/XX/XXXX 6. Comcast, fraud : Learn some manners and respect whomever you  speak to when doing business. Remove all fraud and error accounts listed above. Please remove any accounts associated with the address XXXX XXXX XXXX XXXX FL XXXX. I am not associated with this address and any accounts that are under this address. Remove all addresses immediately please. The only address that should be listed on my accounts is XXXX XXXX XXXX XXXX XXXX FL XXXX, this is the only address associated with me. The only social security associated with me is XXXX.
Complaint sub-issue: Information belongs to someone else

The following information needs to be investigated I respectfully request to be provided proof of this alleged items, the contract note or other instrument bearing my signiture. failing that the item must be deleted from the report as soon as possible i did not authorize anyone to use my name or personal information to obtain funds credit loans goods or services or any other purpose as described in my complaint.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX is attempting to collect a debt balance that is being inflated with a ridiculous amounts of fees. The debt has reached {$5800.00} which now includes {$890.00} of collection fees. This is outrageous and there is no way anyone would be able to pay a debt that continues to accumulate fees that are in the thousands. This is outright consumer abuse. I have attached the notice I received of the inflated balance that is attempting to be collected.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$1100.00}, {$2100.00}, {$6300.00}, {$2800.00}, {$12000.00}, {$7700.00}, {$1700.00}, {$5700.00}, {$0.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened onXX/XX/XXXX, XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$2100.00} -This is not my account. 

4.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

5.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

6.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7.XX/XX/DSNB with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$1700.00} -This is not my account. 

9. XX/XX/DSNB with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- PERSONAL LOAN 10. XX/XX/XXXX IN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 11. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$18000.00}, {$4000.00}, {$8200.00}, {$1000.00}, {$15000.00}, {$7000.00}, {$5000.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting incorrectly a collection to Equifax ; XXXX and XXXX for an account with a balance of {$560.00} on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item from my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I disputed {$6200.00} for services I did not receive from XXXX. On or about XX/XX/XXXX I was issued a provisional credit for {$6200.00} from US Bank. 

I did not receive any request for additional documents, nothing by mail, email, phone, text, or online notification within the US Bank portal, or from XXXX XXXX. 

On XX/XX/XXXX I noticed {$6200.00} was deducted from my business checking account with US Bank. Upon calling US Bank customer service they referred me to their Cardmember Services Department in North Dakota. I was told at that time US Bank had concluded their investigation on XX/XX/XXXX and mailed me a letter which I should receive within 10 days, On XX/XX/XXXX I called Cardmember Services again and explained I had not received any letters and asked that they read me the address on file. US Bank had erroneously mailed both the document request letter XX/XX/XXXX, and the notification letter XX/XX/XXXX to me personally not my business and they did not include the suite number. On XX/XX/XXXX I asked that the dispute be reopened because US Bank did not follow the proper timeline set by XXXX and upon their own admission mailed both letters to the wrong recipient and without identifying the proper suite number. 

On XX/XX/XXXX I received another letter this one mysteriously now included my suite number which was dated XX/XX/XXXX. US Bank now claims that under XXXX Regulations they have no recourse. I have tried making contact with XXXX XXXX but can not get anything but an auto-response stating they have nothing to do with their own cards that banks make their own rules which is a much different story than US Bank . 

After complaining to CFPB, US Bank CEO XXXX XXXX, Chief Legal Council, and every other federal watchdog I could find I received a letter sent to my home address from XXXX, Office of the President claiming the following ; documents received after allotted time frames and unable to assist per XXXX, the responsibility of providing us with accurate mailing address which they had, and finally in the absence of bank error, we are unable to grant your request. 

I have asked XXXX for a copy of their guidelines and they have refused to answer. 

I believe US Bank did error as they were provided a copy of my business documents which included the suite number. US Bank sent the document request and decision letter to me personally and without a suite number but when I filed a complaint the letters magically included the suite number or were sent to my home.
Complaint sub-issue: Account status incorrect

Hello when I was XXXX I went to trade school and took out 2 Federal Loans through XXXX in XXXX. The next year which was XXXX the loans were put on hold because of the financial disaster that had occurred and approximately a year later the loans were made active without notification. My Mother was paying these loans at the time and she was never informed of the reactivation of the loans. Neither her or I were informed when it became active again and when we finally found out it went unpaid for 10 months at which point we paid both accounts in full. It shows as a derogatory mark on my credit report. It not only shows once but four times. One account opened on XXXX and one opened on XXXX. Both accounts show twice on my credit report under different account numbers. It seems likely that they made a duplicate of each account, one is derogatory and one in good standing. 
1st Acct # XXXX 2nd Acct # XXXX I have spoken to my tax attorney and this is clearly an error and he advised me to make a complaint through Consumer Finance. Im currently trying to buy a home for my pregnant fianc and daughter but have been turned down because of this error. I have attached all four accounts and you can clearly see that they are duplicates of each other being created on the same dates and having the same amount.
Complaint sub-issue: Information belongs to someone else

I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XX/XX/XXXX.  I have never received an updated report from Equifax or XXXX concerning these matters as of XX/XX/XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least 3x with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : EQUIFAX : XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX : XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX-XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX XXXX : NAME : XXXX XXXX I ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX : ADDRESS : XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX , IL XXXX
Complaint sub-issue: Debt was result of identity theft

Contacted the company numerous times. Last contact was XX/XX/19 @ XXXX XXXX. I was told they were " working " on it. This debt is not owed by me and i have no knowledge of it. I asked for an explanation of the debt and i was told it was " for an ambulance ". Well that doesn't exactly help. I asked for the original creditors information and i was not given anything.
Complaint sub-issue: Reporting company used your report improperly

I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Complaint sub-issue: Personal information incorrect

I was compromised by Equifax with millions of others. My XX/XX/XXXX Federal Tax return was then compromised. i could not get my credit report.online. On XX/XX/XXXX, I called Equifax and had to talk with two different agents. I asked about my credit report. after going through years of credit identification, I was told of the personal name errors and address. I ask them to clear all of them but my first middle and last name. And clear all addresses except the one I have used for the last 20 years. The last three years credit cards, car loans and mortgages were correct. 
I was mailed a dispute confirmation number with my son 's name on it not " mine '. I am his mother. On XX/XX/XXXX, after receiving their email, I talked to two more agents for an hour.They both said I had to send in more identification or file a dispute online. i could not file a dispute because it would not take my social security number or email I've had for 30 years. the last agent walked me through the disput forms online and said I had to file under my sons name. But '' his '' SSI is  different. She could not help me. Identity theft is a nightmare and it comes from this company.