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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX i have not given any of these companies written permission to run my credit i have asked Equifax to remove these inquiries several times and know response
Complaint sub-issue: Frequent or repeated calls

Numerous calls a day, at LEAST 1/2 dozen. I tried talking and there answer was its automatic. Every other co XXXX XXXX was real to deal with. They accepted my Medical Explanation but Citi Bank that holds the card for Sears Refuses to Listen. XXXX XXXX XXXX, and others Respected what was going on but Citibank Refuses to do so.
Complaint sub-issue: Problem with product or service terms changing

The credit monitoring companies are soliciting services for modifying their own ways in a method that seems conflicting to ethical antics. They collect and share information about your credit and will change their ways if you pay them money to do a better job protecting that information. This would be like the mafia threatening to affect your business back in the day and then at the same time turning around and offering a service to protect you from the same attack.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX Bankruptcy in XXXX XXXX ( XXXX ) and I had it dismissed. LexisNexis sent my bankruptcy dismissal to XXXX, XXXX, and XXXX I went to the courthouse here in XXXX XXXX La. I was told that the court do not sell or give out that information but it is public record. So how did the three bureaus get my information. I sent the letter that the courthouse gave me to LexisNexis after 30 days it was remove by XXXX, but the other two bureaus XXXX and XXXX still has the dismissal as a derogatory mark.
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX i am XXXX years old XXXX  and retired I am on social security and food stamps. My income is only $ XXXX  Monthly. The collation company AFNI /XXXX . XXXX claim that a had a cellphone from than a never had a cellphone from this company, an owed a cellphone from XXXX XXXX  I don't any need for another phone. I pay for My cellphone every time used it. i dont a money to pay out for any another because i widower my wife pass away
Complaint sub-issue: Other problem

I have the Citi card for Costco. Costco sold me on getting the credit card because Citi is supposed to extend the manufactures warranty 24 months if the item was purchased at Costco. I purchased an XXXX XXXX waterproof camera XX/XX/XXXX for {$410.00}. While on vacation XX/XX/XXXX I took the camera on it's 2nd snorkel trip in water 3-4ft deep. The camera took pictures just fine but as we were leaving I noticed the screen looked foggy and water had slowly leaked in. The camera had leaked, destroying the camera. This is my 4th water camera so I am very familiar with making sure the seals are clean etc. It was the 2nd time I used the camera in water so it was evident it was a manufacturers defect. I called XXXX and they said they would cover it had it been within the 1 year period, since what I described was clearly the camera having a defect since it is supposed to be waterproof. I contacted Costco and they told me I was under the Citi warranty. I filed a claim with Citi and they have been beyond difficult about paying my claim. My claim was denied the 1st time because they claimed Costco Concierge service should cover my warranty. Well Costco doesn't cover cameras under that warranty. I would think Citi would know this since they partnered with Costco for this credit card, so I felt like I was getting the run around. They reopened my claim and denied it the 2nd time stating the camera got wet so it isn't covered. I explained to them again IT IS A WATERPROOF CAMERA. They opened my claim again and denied it a 3rd time stating again the camera isn't covered because it got wet. I explained to them again like I had since the very beginning of my claim that the camera is waterproof and I have contacted XXXX and they stated it is in fact covered under their 1 year warranty. XXXX said if salt water got in the camera they would just replace it for me because a repair would cost more than the camera. I explained all of this again the the Citi rep. Keep in mind they play dumb each time and act like they didn't know it was a waterproof camera etc, much like they played dumb they didn't know Costco doesn't have an extended warranty on cameras. The Citi rep told me if I could get XXXX to put in an email they they would cover it under the 1 year warranty he thought Citi would cover it. That was about 2 weeks ago and I haven't heard back. I had Costco Concierge services call Citi on Friday XX/XX/XXXX and they again said they are denying my claim. I have a valid claim that I opened with them in mid XX/XX/XXXX. I feel like I have gotten nothing but the run around in the hopes that I will give up and they get out of paying. The entire reason I got the Citi card was because Costco spoke so highly of it and how it extends warranties. I believe they are denying me a completely valid claim so this is why I am reporting it. My Citi claim number is XXXX
Complaint sub-issue: Don't want a card provided by your employer or the government

I applied for unemployment with the District of Columbia XXXX XXXX XXXX XXXX during a week of furlough. I requested direct deposit for my payment. While waiting to hear if I'd been a approved a debit card arrived from USBANK. The card bore a DC.gov logo and while the letter included standard legalese about opening a new debit line, it contained no information about my XXXX claim. 

I assumed I'd been paid, somehow through this debit system instead of through direct deposit as I requested. It seemed that I'd only be able to check the balance if I activated the card, which I did. 

The balance is XXXX dollars. On further research, it's unclear to me why this card was issued in my name, I did not request it. It seems that DC DOES will not be using it to pay me. Therefore it only opens me up to potential fees or identity fraud. 

I called to cancel the card as was put onto a phone tree. I was told there were over 600 people waiting on line, and it took 7 minutes to get to a place in the phone tree where I could request a call back.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a phone call from u.s.banks stating I owed them money but I do not recall evefr opening an account with them before. I know I had lost my wallet at the time the account was opened but I had never opened one with them. I suspect someone has intentionally used my information to open an account in my name. In the Wallet I had lost both my drivers license and social security card was in that wallet ( at least I suspect my social security card was there because how else will they open an account if they didn't have the ssn number? )
Complaint sub-issue: Threatened to sue you for very old debt

this debt is about 6 years old I was never notified of the debt never call me or sent a letter and I get a summon to appear in court about the debt in the state of Georgia they have 2 years from there to file or contact me and thing didn't and this is a violation of Georgia law and they not have my signature on anything no contract or paper of debt this debt is not to validate and it was not sent by XXXX county police this is not my name on the paperwork.
Complaint sub-issue: Frequent or repeated calls

I contacted Citi card recovery company in regards to my account that was charged off. They informed me to contact the Client Services a collection company that they sold my account to, so as I contacted the Client Services we agreed on a settlement and they was supposed to draft it out of my account. Days went by and, I noticed that they didnt draft the funds from out my account so immediately gave them a call and they then informed me that they no longer have account in there system because it was fraud on the account so they sent it back to Citi Recovery. So I contacted Citi recovery again for the second time and told me the same thing that sold my account to Client Services I explain to them what the company told and the agent told me to allow her sometime to look deeper in my file and then she came back and told me to call back on the XX/XX/XXXX because the system will be updated by then. On XX/XX/XXXX I called back to Citi Recovery and now they are telling me that they no longer have my account it was sold in XXXX and they dont have the company name they sold it to. When I asked the agent can she send me a letter in the mail stating that they no longer have my file and they not sure what company it was sold to she acted like she couldnt understand me and then hung up the phone on.
Complaint sub-issue: Account status incorrect

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX  XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX  XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX XXXX XXXX BAL {XXXX}, XXXX # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed    XXXX   XXXX   XXXX   numerous of times on my credit report with   XXXX   and EQUIFAX. It is showing as an repo on my credit. I have asked for debt validation from   XXXX   CB 's and orginal creditor. I have asked for an copy of the orginal contract. I have called the creditor and was informed that they have no trace of the contract that an agent will request to see if the warehouse has it. That was o n  X/XX/17 .   On  X/XX/17  I ca lled back and the agent told me she doesnt know why but there isnt a contract on file. This is creating an hardship and I will proceed to sue if this error isnt corrected.   XXXX   a nd EQUIFAX is going against the FCRA by not looking into my disputes.
Complaint sub-issue: Account information incorrect

I am on an Income Driven Repayment Plan with XXXX dollar payments every month but my credit report still shows that I have monthly payments and that's not the case.
Complaint sub-issue: Their investigation did not fix an error on your report

During the months of XXXX to XXXX time frame. I mailed out notarized credit dispute letters certified mail return receipt all coming back verified without the information needed to prove the account belong to me .Under the FCRA section 609 an original contract with my signature on it and FCRA section 611 your method of verification. These vital parts was not given to me.
Complaint sub-issue: Information belongs to someone else

This my several endeavor to file a complaint in my personal credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe are possibly an Identity theft and it was deleted from other bureaus. the inaccurate information are as follows 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 XXXX 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 Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

on XXXX i was working out at the park in XXXX Tx and after about an hour i noticed my direct express card was missing. I began asking people at the park if they had happened to see a card and if so that it was mine. Nobody claimed they saw it. i began back tracking and searching for at least 2hours. The card was no where to be found. Once my friend picked me up, XXXX XXXX, he helped me look for it, as well. We were unable to find it. At that time, I immediately called DirectExpress # and reported that my card was lost or stolen. I also phoned XXXX on XXXX and reported it to them as well. I spoke w/XXXX. I spoke w/a XXXX, I spoke w/a XXXX emp # XXXX on XXXX, supposedly a supervisor. I was advised that I would receive a new card in 2 or 3 days, I actually received it the next day by XXXX, charged {$13.00}. I thought everything was fine until I went to the XXXX XXXX in XXXX and the card was declined. I used my old pin # then tried my new pin # both declined. The card that they sent me was the same 16 digit number on my card that was lost or stolen. I was advised in order for me to activate my card i must do it online. Well the policy online said for me to call DirectExpress. The last person I spoke to at DirectExpress was XXXX XXXX and she advised me that she would UNBLOCK my card and I would be able to use it. Well I never ask anyone to BLOCK my card in the first place, I REPORTED IT LOST/STOLEN. I spoke w/this XXXX on XXXX and on XX/XX/XXXX I went to XXXX in XXXX Tx and the card WAS DENIED. I am not happy with the way they have handled this issue. They have lied, given me the runaround. It appears to me that they are not very honest people or else maybe they need more extensive training for their jobs. Whatever the case may be, I certainly hope you will handle it promptly. 

Thank you for your time and attention in this matter and I look forward to hearing from you. You can email me at : XXXX You can leave a message for me at XXXX XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

The US Dept of Education had been inaccurately reporting debts to my credit report. I disputed these accounts twice, once over a year ago and more recently this year. Each time the US Dept of Education affirmed they were reporting accurately. There are numerous reasons why each of these accounts MUST be deleted from my credit report immediately. Here is a list of all the US Dept of Education accounts being disputed : U S DEPT OF EDXXXX Account XXXX XXXX = {$590.00} Account # XXXX = {$3500.00} Account # XXXX = {$2100.00} Account # XXXX = {$340.00} Account # XXXX = {$1400.00} Account # XXXX = {$1400.00} Account # XXXX = {$1500.00} Account # XXXX = {$2900.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$4400.00} Account # XXXX = {$4500.00} Account # XXXX = {$630.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$2400.00} Account # XXXX = {$3900.00} Account # XXXX = {$1100.00} Account # XXXX = {$2500.00} Each account has been reported twice to my credit report therefore placing twice as much harm on my financial status. 
The wrong balance is being reported with each account MOST EGREGIOUS : Every account has been deliberately RE-AGED -Stating these accounts were opened on XX/XX/XXXX. This is inaccurate and NOT POSSIBLE as I Graduated college in XXXX. All these accounts were opened between XXXX XXXX and all over 7 years old therefore by law MUST be deleted. 
I will be attaching proof of when these accounts were opened, therefore proof all the accounts have been RE-AGED in a deliberate scheme to cause me harm. YES, I WILL BE FILING A LAWSUIT.
Complaint sub-issue: Their investigation did not fix an error on your report

Attached you will find 252, the front page of my credit report from Equifax dated XX/XX/XXXX. 253 will show you my report number and personal information. They STILL have not removed the address-more details in next section. 254 shows LATE PAYMENTS for XXXX XX/XX/XXXX. I have never been late. 257 shows XXXX being reported as late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late. For both accounts, I established a HARDSHIP program in which I agreed to pay a lower amount while I would be undergoing treatment/surgery. I was verbally told this would " NOT BE REFLECTED AS LATE PAYS IF YOU KEEP THE HARDSHIP PAYMENT ''. I have never missed a hardship payment. I have been fed lines of nonsense and they refuse to fix it. So now, the bureau ( s ) who choose to report these accounts as negative accounts while I was fighting for my life-literally-can do as I asked of them under the FCRA rules. VERIFY/VALIDATE EVERY LATE PAYMENT. Send me the name, phone number, operator number, address of whom you verified and validated every said late payment. If you can not do this for EVERY late payment, you must remove it or place an " X '' or " NA '' in it's place and list the account as a positive account with zero late pays. It is not fair that a person takes responsibility and gets onto a hardship program, makes their promised payments, still gets reported late. I WAS NEVER LATE! Prove me otherwise. 258 needs immediate removal. XXXX  and Equifax have not been able to VERIFY OR VALIDATE XXXX XXXX. In addition, I have never applied for a line of credit with XXXX XXXX by phone or video and they can not prove otherwise. Furthermore, there is NO PHYSICAL CONTRACT and no proof of MY PHYSICAL SIGNATURE with them or the company they claim to have bought the debt from. 259 same situation. XXXX has NO PHYSICAL CONTRACT, NO PROOF OF MY PHYSICAL SIGNATURE, NO VIDEO OR PHONE recording of me asking them for a line of CREDIT. FCRA states if you're not going to verify/validate as 100 % accurate it can not remain on the report. 

If this is not done, I will be taking you to my local court venue to sue you for removal of false information and requesting {$1000.00} per offense plus court fees. 

In light of the recent changes to the FCRA ( FACTA ),  consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion XXXXo. XXXX XXXX by the US Court of Appeals XXXX Circuit, Nelson Vs. Chase Manhattan,  the court rules that the creditor has the responsibility to investigate and make sure that the correct information is being reported to the bureaus, and that the consumer has the right to sue under the FCRA, should his or her rights be violated. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution to this matter.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

I first called FedLoan Servicing on XX/XX/XXXX to inquire about the process of loan default resolution and after speaking to several reps and supervisors, I was informed to send my XXXX taxes to start the process of getting out of default status by starting the 3 payment process on my student loan. I was asked to fax or mail in the required documents and I did both on XX/XX/XXXX and XX/XX/XXXX costing {$100.00} to do so. After two weeks now on XX/XX/XXXX and numerous calls to the default resolution department at fedloan serving, they aren't able to locate my faxes or mailed documents to start the payment process to get my loan out of default. they provided many excuses along the way, first that their fax machine was not working, then that their backroom department managing the faxes was behind, then that the process to receive said fax or mail documents takes 10 days and lastly to send the fax during XXXX XXXX XXXX because their fax machines get inundated, which I had already done. None of the representatives or supervisors apologized or offered solutions and all had different answers and didn't seem to care. This process is very important to me as I would like to get back on track paying my student loan.