Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt resulted from identity theft

AFNI is reporting a account on all XXXX of my credit reports. XXXX, and XXXX. I have disputed this account with all XXXX credit bureaus and AFNI several times, and requested investigations. All XXXX credit bureaus informed me that AFNI verified and confirmed that the account belongs to me. I have not received any proof or documentation from AFNI that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
Complaint sub-issue: Information is not mine

Hi, There is a state tax lien on my credit report that does not belong to me. It belongs to my father XXXX XXXX XXXX. I am XXXX XXXX I used a credit repair company they sent XXXX letters and still wo n't remove it. They told me to contact you to have it done. My social secuity number is XXXX date of birth XX/XX/XXXX. I am trying to have it taken off of my credit report it is holding down my score as I am also trying to purchase a new home.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a notice of Collection letter from Vargo and Jansen. I submitted a request to have the debt verified. I outlined specific Information that needed to be included. I said that if it could not be provided to me, to not contact me again. Vargo & Jansen still contacted me trying to use their generic tactics to verify a debt. A couple of statements showing no activity and fees being charged on top of fees doesnt cut it. I asked for the original signed contract between myself and the original creditor. That was not provided. I feel that Vargo and Jansen violated FDCPA because I asked not to be contacted if that couldnt be provided. They contacted me anyway. I am currently working with a family friend to take Vargo and Jansen to small claims court for the FDCPA violation. I do not owe this debt. I have attached the letter I sent and their response.
Complaint sub-issue: Account status

Our car was totalled after we were hit by another driver. NOT Our Fault We Were NOT Cited. 
XXXX ( Our Auto Insurance ) Suppose to Pay off Vehicle. 
Vehicle is a XXXX Hyundai Elantra. Accident Happened in XX/XX/XXXX. 

TODAY is XX/XX/XXXX. OVER Six Months Later, Car Loan Still Not Paid.
Complaint sub-issue: Was not notified of investigation status or results

I reviewed my credit report and noticed a {$41000.00} charge of from XXXX XXXX XXXX XXXX. I immediately disputed this account with each Credit Bureaus and XXXX. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with XXXX due to being approved for a Car Loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by XXXX XXXX XXXX and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to XXXX XXXX XXXX XXXX. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way XXXX was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/2018 which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the XXXX, XXXX XXXX and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although XXXX responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a Citibank Checking Account Package on XX/XX/2018, I fulfilled all requirements to receive the {$300.00} bonus, and Citi now refuses to credit my account with the bonus even though multiple customer service representatives have confirmed I had fulfilled all requirements.

The requirements were : debit purchases of {$370.00} qualifying bill payment ( 1 or more for 2 consecutive calendar months ) The photo is attached of the promotion sent to my mailing address.

Please reference the following Citi website online " chat '' with Citi representative XXXX   from XX/XX/2018 that confirms I met all requirements for the bonus : XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you.

How may I help you?

You at XXXX, XX/XX/XXXX : Hi, {$300.00} citibank checking account bonus. Could you check to make sure I've met the requirements?

XXXX at XXXX, XX/XX/XXXX : Will do! Please allow me a few minutes as I check your account.

XXXX at XXXX, XX/XX/XXXX : I apologize for the delay ; I'm still checking that for you. Do you mind waiting for another moment?

You at XXXX, XX/XX/XXXX : ok XXXX   at XXXX, XX/XX/XXXX : Thank you for your patience!

XXXX at XXXX, XX/XX/XXXX : When ever you are no longer eligible or miss a requirement, your account gets a flag that can no longer be removed.

XXXX at XXXX, XX/XX/XXXX : In your case, there isn't any XXXX at XXXX, XX/XX/XXXX : so you're meeting all requirements up to date.

XXXX at XXXX, XX/XX/XXXX : Keep in mind when the requirements of the promotion are complete XXXX at XXXX, XX/XX/XXXX : it will take 90 days to process reward.

You at XXXX, XX/XX/XXXX : Does it show in your system that I've spent {$370.00} of qualifying debit purchases?

You at XXXX, XX/XX/XXXX : Does it show in your system that I've had a 1 or more qualifying bill payments for 2 consecutive calendar months?

XXXX at XXXX, XX/XX/XXXX : I'm checking for you.

You at XXXX, XX/XX/XXXX : Thank you XXXX at XXXX, XX/XX/XXXX : I apologize for the delay ; I'm still checking that for you.

You at XXXX, XX/XX/XXXX : ok XXXX at XXXX, XX/XX/XXXX : Thank you for your patience XXXX at XXXX, XX/XX/XXXX : 375.00+ debit purchases was met XXXX at XXXX, XX/XX/XXXX : I also see 2 bill payments : one on XX/XX/18 and one on XX/XX/2018 XXXX at XXXX, XX/XX/XXXX : So as mentioned, it's all meeting the requirements.

Over {$10000.00} was tied up in the checking account until XX/XX/2018 until XXXX XXXX, an in-branch Citi manager who agrees I should receive the {$300.00} bonus, told me I could remove the {$10000.00} as he filed investigations. The following 2 Citi " investigations '' said I didn't fulfill the debit purchases. This is wrong, and my account should be credited with {$300.00} asap. Please remedy and thank you.
Complaint sub-issue: Information is not mine

XXXX and XXXX XXXX XXXX account was recently disputed. have not been removed from my credit report.
Complaint sub-issue: Problem with personal statement of dispute

I been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the equifax breach
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/2020 XXXX XXXX TOOK ME TO XXXX XXXX I GAVE MY XXXX AND PITCURE ID TO SEND BILL TO MY INSURANCE, 2 OUR OF 3 BILLS GOT SENT by XXXX XXXX AND GOT PAID THE THIRD GOT SENT TO ME FOR {$360.00}, the hospital didnt know where to send bill to i didn't have an address at the time is the reason this is gone so long without any attention, I should have not gotten this bill in the first place., XX/XX/2020 called XXXX explained the delema XXXX called XXXX XXXX paid the bill i love XXXX XXXX. here is the hard part this bill that wasnt suppose to get to me it did and my credit report is now DAMAGED! i applied on 3 different days for a home loan i was DENIED! DENIED! DENIED! i HAVE TO WAIT 4 MORE DAYS UNTIL THE AGENCY XXXX XXXX XXXX COME BACK FROM VACATION.! I HAVE SO STRESSED OUT AND XXXX.Im upset i didnt get my home loan : ( : ( : (
Complaint sub-issue: Indicated you were committing crime by not paying debt

This is about Equifax Credit Bureau and XXXX XXXX XXXX. I have written the California State Attorney General regarding Equifax reporting in XX/XX/XXXX that XXXX XXXX XXXX has stated the Auto Loan made in XX/XX/XXXX was re-financed from the original payment of {$400.00} to {$300.00} per month as of XX/XX/XXXX. The California State Attorney General has open an investigation involving XXXX XXXX XXXX reporting Fraudulent Credit information I have asked the California State Attorney General to report any findings to the Georgia State Attorney General about what Equifax Credit Bureau has said their information has come from XXXX XXXX XXXX. 
XXXX XXXX XXXX did sent me a Complete Payment History Report and the original amount of {$400.00} has been the payment throughout the entire Loan since XX/XX/XXXX on the report. Nowhere on the report shows the monthly payment was ever changed from {$400.00} to {$300.00} per month.. Where did Equifax get their information from? XXXX has also stated their agency has never asked Equifax, XXXX, nor XXXX to collect any monies regarding the account. XXXX also stated to the California Attorney General that XXXX XXXX has been put in place on the Auto Loan Account by their office,, besides the XXXX ( XXXX ) years Stature of Limitation on the account has expired. Equifax stated on the last Credit Report I received from them that XXXX has re-financed the loan and the Monthly payments were lowered. XXXX XXXX XXXX said that information is incorrect and it seems as though XXXX XXXX XXXX is correct because the Payment History report of the Auto Loan amount had not changed. XXXX XXXX and I should have gotten a copy of the Re-finance Loan and we should have agreed or disagreed with the Terms and the Conditions, Maybe XXXX XXXX would have still been the owner of the car. The payments would have been affordable The California XXXX Attorney General XXXX XXXX XXXX XXXX Unit will be answering me regarding the decision about Equifax XXXX XXXX XXXX soon as XXXX XXXX to his office. When I noticed Equifax had placed XXXX XXXX XXXX on my Credit file on XX/XX/XXXX, I Certified a letter to the California Attorney General for XXXX It seems as though XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported the same Fraudulent information regarding a Re-Financing of a XXXX Auto Loan without any paperwork to show a re-finance was done .If Equifax wants to contact the California State Attorney General, they may do so @ XXXX XXXX California Attorney General XXXX XXXX XXXX XXXX XXXX XXXX, XXXX...
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have a bank loan being held up for the last 2 months due to a {$160.00} charge off about 18 months ago that showed up on Equifax report. I contacted Equifax and requested a print out of the item in question and when I received it 2 weeks later ( told it had to come by mail ), it had no more info than what I already knew which was that some commercial card vendor wrote off {$160.00}. I called back and was then told I had to fax a form in requesting who the vendor was. I did that and was told that I would get an email response within a few days. That was on XXXX and I still have not received a response. I called just now and after 15 minutes on hold I was passed to two different departments and then was told that I would have to call again tomorrow since it was now XXXX and the person I was speaking to could not get me the vendor info. This has been extremely frustrating and very poor service all along, and I still don't have a resolution.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Contacted your employer

I want to make sure something like this doesn't happen to other people. During a time of unemployment or right before I took out a small pay day loan. Because it took me about 6 months to find another job I was unable to pay the pay day loan company timely payments. They sent my account to Robinson, Hoover and XXXX XXXX XXXX XXXX. To date, I have paid {$1300.00} on an account I owed {$400.00}. Mr. XXXX said it was because of " attorneys fees ''. They also tried to go directly into my bank account without authorization and the money was not there either. The last phone call I had with him was today because he sent out the 4th garnishment to my new job and they had planned to take out over {$600.00} out of my next paycheck. When I disputed this with Mr. XXXX he said he would send my employer and updated fax stating I only owed {$300.00} and the account would be paid in full bringing my total expenses for a {$400.00} loan to {$1600.00}. I am not quite sure how they get away with doing this to people but it sure doesn't seem right. I plan on paying the {$300.00} so I do not have to be further humiliated by the tactics of this Attorney 's office. I hope you can find something wrong with this and turn them in for some kind of fraud against poor people such as myself who can not afford to pay off a debt all at once. The more payments I made the more the attorney 's fees stacked up. In total I was charged {$740.00} in attorneys fees. Do you really thing someone I owed {$400.00} to would pay an additional {$740.00} just to get what I had already paid them? I do not.
Complaint sub-issue: Account status incorrect

XXXX XXXX, 2017 I contacted XXXX and Equifax concerning accounts that should have been removed. Accounts still remain on my credit report with paid or {$0.00} balance.
Complaint sub-issue: Information is not mine

My credit was pulled without knowledge on XXXX XXXX and XXXX. XXXX made XXXX unauthorized inquiries on my credit report. Equifax gave me the following address : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I tried contacting the company and was unsuccessful. I called XXXX XXXX business licensing. They do n't have a record of this company. I am in the process of closing on a home and got denied because of the above inquiries. I am trying to get the inquiries removed ASAP.
Complaint sub-issue: Information belongs to someone else

Discover Card contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had Discover Card showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XX/XX/2018 and they still are illegally reporting this as a closed account with a negative balance.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I mailed dispute letters to Equifax, XXXX  and XXXX  and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.
Complaint sub-issue: Information belongs to someone else

Hello I was contacting yall because I went to try and get a car and my was not approved. I'm trying to see how there are things on my credit that is not mine. Can you please take off these accounts. I have contacted the FTC and I contacted the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, and XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I have contacted the bureaus and consumables about these accounts on several acaccusation to apply to remove this accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information is missing that should be on the report

All of my accounts were up to date and current until I was laid off due to COVID-19. I continued to pay as long as I could but I contacted every one to let them know that a natural disaster was causing distress in my life. No one offered any options, alternatives, or other solutions. I also let them know that I was not eligible for unemployment. Shortly after that, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. No one would listen to me. All they wanted to do was sell my accounts to a debt buyer who asks for ridiculously high monthly payments and dont want to hear what I have been going through. Now because of XXXX, a natural disaster, I am punished for 7 years.
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 n 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 .This 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Company closed your account

In XX/XX/XXXX I paid this card in full, as I had done in the past, and did not use this card. On XX/XX/XXXX I attempted to use the card and it was declined. This happened at more than one merchant and it was declined. I called the customer service number on the back of the card on XX/XX/XXXX and it said there was no payment due and the credit limit was {$1000.00} with {$1000.00} being available. On Sunday XX/XX/XXXX at XXXX I missed a phone call voicemail was left and when I listened to message it was XXXX with XXXX XXXX   XXXX department needing to verify some recent activity on my card that ends with XXXX and gave number to call them back. At XXXX on the XXXX I called back and they stated they could see activity on my account and that there was a security hold on the account. She asked me a few questions and then said the security hold has been removed and you can use this card now. I try to use this card on XX/XX/XXXX and it was declined again. I called the number XXXX that had called me on the XXXX and I was transferred to customer service who then told me that my card had been closed in XXXX after review of the account. I realize they can close a card at any time. However, I had been a customer for over 12 years, never late and had paid it off before. I was told the account was closed after review. I said I didn't receive notification that this had happened and it was telling me on Saturday I had {$1000.00} available to use and your own employees told me that I could use it. They said the security department is a different area than customer service. I was told that letters don't go out and I said it would be a common courtesy to a customer that has been your customer for numerous years. I could have taken this card on vacation, not knowing it had been closed. That is poor business practice, besides the fact I have 12+ years of payment history on my credit report from XXXX. They should have, at minimum called me, or mailed me a letter and their security department should've told me on the XXXX that the card was closed. The automated system didn't tell me anything about account being closed when I called to verify amount available
Complaint sub-issue: Account status incorrect

i call XXXX XXXX after i received there letter from the debt collection agency they send my account to on XX/XX/, after this account was paid i have my bank statement showing this and the person i call said they would get this corrected but they put it on my credit report anyway, i also paid wayfair all of there money and called them and they told me that they sold my account to citi bank and citi bank told me that my account was over due, i paid this account out before the 6 month on interest, i paid them two to three months in advance as they stated as the terms of the agreement, i am requesting copies of the paperwork they have showing i owe them, and i want all of them removed from my reports, this is destroying my credit worthiness and my good character.