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

XXXX5 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds. 

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting. 
Anything after the acceptance of this letter is going to be considered 15USC 160XXXX ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.
Complaint sub-issue: Problem during payment process

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX  XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 59 days late.
Complaint sub-issue: Debt was paid

I had XXXX for some years. So they offered me a package to watch for being a good customer. The only terms was I was to cancel the package before the ending period..which i did. 
But XXXX still charged me for the package that I canceled before the ending date..this account is over 6 years old now. 
Also it 's the 3 or 4th time that they are trying to collect a debt that I do not owe
Complaint sub-issue: Billing dispute for services

Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX XXXX XXXX and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. XXXX XXXX has XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Termination fees or other problem when ending the lease early

On XX/XX/22 I put in a request thru the Tesla App ( attached ) to terminate my lease early. The original termination date was XX/XX/22, and due to the fact I purchased another car - needed to terminate early. 

I received a ( attached ) quote from Tesla that was good thru XX/XX/22 to return with {$0.00} owed. I returned the vehicle to Tesla on XX/XX/22 - prior to the XX/XX/22 commitment date. 

Confirmation from Tesla " Thanking '' me for returning my car is also attached as well as screenshot from the Tesla App showing a XX/XX/22 return date. 

On XX/XX/22 I received an email from Tesla ( attached ) that my " Early Lease Termination Request was cancelled '', immediately following this e-mail I received another e-mail from Tesla that " My Payment was processed ''. In addition to the e-mail, Tesla processed a lease payment ( {$600.00} ) against my XXXX checking account ending in XXXX for the term XXXX even though I had returned the car and have documents stating that {$0.00} was due. 

I emailed Tesla XX/XX/22 and have received no reply. I also tried to contact Tesla finance, and there is no option to talk to a representative, only " leave a message and they will call you back '' Based on my terrible experience trying to turn the car back into them ( and their lack of responsiveness in all prior communications to return the car ) - I want to ensure that A ) my {$600.00} is returned as soon as feasible and B ) other consumers are aware that Tesla 's end of lease practices are not consumer friendly.
Complaint sub-issue: Old information reappears or never goes away

When checking my Equifax credit report in XX/XX/2018, via my Equifax Credit Monitoring paid membership, I noticed there was a joint open account that I did not recognized as mine under XXXX XXXX XXXX XXXX being reported on my credit file. I disputed the validity of this account with Equifax. I checked my report for updates on XX/XX/XXXX & I noticed that Equifax added comment on the account stating- consumer disputes- reinvestigation in progress. ( copy of the report page attached ) On XX/XX/18 I received a confirmation email from Equifax notifying me my dispute was complete. ( confirmation # : XXXX ) When checking my updated credit report, the account that I previously dispute was deleted & removed from my Equifax credit report. ( copy of dispute confirmation & report page attached ) 3 days later I received a monitoring alert notifying me a new account had been added to my Equifax credit report. I checked my updated report ( via Equifax ), & I found the account that I previously disputed & was given confirmation with a confirmation report verifying that the account was deleted/removed from my credit report ( via Equifax ), was reinserted on my credit file, without any notification whatsoever. Despite the fact that Equifax was unable to verify or validate this account during the dispute investigation, they are knowingly reporting an inaccurate & unverified account on my credit file, which is a direct violation of the Fair Credit Reporting Act & violates my personal consumer protection rights. ( copy of credit report from XX/XX/XXXX attached ).
Complaint sub-issue: Debt was paid

Good afternoon, I paid a debt owed from from a XXXX Phone bill on XX/XX/2018, in the amount of {$730.00}, collected from XXXX XXXX, XXXX '. 

I recieved an credit alert tha collections Agency ' I C system ' has placed an account on my credit report for the same XXXX bill that was already paid. 

XXXX sold the debt twice. And reported this debt on my credit report. Illegal.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX {$100.00} & $ XXXX XXXX XXXX {$130.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I started receiving notifications from my credit monitoring services that the below collection account was added to all 3 of my credit reports : XXXX XXXX, XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} COLLECTION ACCOUNT I NEVER HEARD OF THESE PEOPLE AND ABSOLUTELY DON'T UNDERSTAND HOW THE CREDIT BUREAUS ARE ALLOWED TO ALLOW PEOPLE TO REPORT UNTRUTHFUL, INACCURATE LIES CALLED INFORMATION ON MY CREDIT REPORTS. I
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I checked my credit reports and my report showed that my Fed loan accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking and savings account with Citibank on XX/XX/XXXX. I made the required deposit amounts to take advantage of their sign up bonus. 

I followed up with their customer service through their message system in XX/XX/XXXX as it was well over the 90 ( three month ) period they stipulated as the requirements for agreement. I was confirmed that I was to receive the sign up bonus deposit on XX/XX/XXXX. The time came, and nothing was deposited. 

I followed up with their customer service again through the banks message system around XX/XX/XXXX. This time they stated that the deposit would be made before XX/XX/XXXX, but to allow up to XX/XX/XXXX. 

I contacted the customer service once again today, XX/XX/XXXX, for follow up and now they have run out of excuses. Now there is a delay with their department. 

It is now XX/XX/XXXX and I havent received the terms as agreed upon. I did everything to hold my end of the agreement. They have have more than enough time and opportunities to avoid any delays. 

I also had the history of the correspondence on the allocation. However now that I am trying to retrieve it, Citibank has wiped the information when I was in contact on two separate occasions after.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered custom-made-to-order Kitchen Cabinets from XXXX XXXX on XX/XX/XXXX in the amount of {$3800.00}, using my CitiCard credit card. The day I was told they were to ship, the Company went out of business. I have never received my order and the Company XXXX XXXX XXXX, that eventually purchased the bankrupt XXXX XXXX has not been able to locate my order or provide any assistance. They state XXXX XXXX XXXX is the primary point of contact for claims, but the Website they referred does not exist. I called CitiCard and disputed the credit card charge, and the amount was deducted from my statement. My XXXX statement from CitiCard included a letter dated XX/XX/XXXX reversing the disputed amount, based upon XXXX XXXX XXXX XXXX response to the dispute. The response included no insight as to what happened to my order. CitiCard states they have closed their investigation, and I would need to provide confirmation that I have still not received the merchandise. I mailed all copies of all correspondence to CitiCard on XX/XX/XXXX, with no response, so I remailed everything on XX/XX/XXXX via Certified Mail. I paid my XXXX CitiCard statement, but deducted the disputed amount.
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified XXXX several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.
Complaint sub-issue: Company closed your account

Notice and Demand for Payment Notice to Agent is notice to principle. Notice to principle is notice to agent. This Notice and Demand for Payment is to recoup the exact value of the illegally collected debt in the amount of {$4900.00}, interest rate is set at 24.99 %, as of the date of this notice currently on the Social Security # XXXX personal credit reports. A Notice of XXXX will be placed against the property of the corporations and persons involved with the illegal collection of this debt. 30 days from receipt of this notice will be allowed for cure. Prior settlement offers are null and void. 

It is accepted that Creditor, by not validating the alleged debt, are the illegal collectors of this debt and that their assets and the assets of the employees, owners and partners of these corporations are severally, individually and personally liable for this amount in this Notice and Demand for Payment. Though validation of the debt was attempted through mail, no validation occurred and the debt is now being collected illegally. 

This injury and harm to the person will be offset in the exact amount illegally collected as compensatory damages. To get a Satisfaction of XXXX and dismissal of current and future court actions, simply mark the credit reports of the Client person as paid in full and on time. 

Revelation 9:11 ( KJV ) 11 And they had a king over them, which is the angel of the bottomless pit, whose name in the Hebrew tongue is Abaddon, but in the Greek tongue hath his name Apollyon.

Psalm 23:4 ( KJV ) 4 Yea, though I walk through the valley of the shadow of death, I will fear no evil : for thou art with me ; thy rod and thy staff they comfort me. 

By : XXXX XXXX
Complaint sub-issue: Debt is not yours

I received response from debt collector. I believe that Fair credit act states if a alleged debtor ( XXXX ) realizes it made a mistake and took debt off one credit report, then it should be taken off all. ERC fails to accept that info, and doesnt admit this really is not something they should have contacted me about as I explained that to them and they were well within the ability to research this with the info I supplied. I explained I would not give them my SS number as I was hacked last year and will not divulge. And I also explained I never lived at a NJ address which was also disputed.The clerk in the legal dept that answered my complaint failed to address this and failed to accept responsibility that that was all that was needed to research this claim and to contact XXXX to verify. This collection was placed on my report without any verification and this collector failed to verify and validate as they sent me a collection letter. It should not be my burden to try to get this off my report and try to correct this as Ive been trying to do, this already was addressed last year with XXXX as I explained to clerk and XXXX removed it from XXXX. Therefore it should also have been removed from the other reports as I explained to ERC. They could have verified this info easily and instead refuse to accept this and accept responsibility for their collection efforts which were blatantly unverified that this debt was owed or even mine, I feel it was harassment.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit reporting act. The List or accounts below Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 : XXXX, 2 : XXXX XXXX, 3 : 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 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: Their investigation did not fix an error on your report

I requested a {$53.00} XXXX XXXX be removed from my XXXX, Equifax and XXXX reports. XXXX and XXXX removed the collection however, Equifax 's investigation resulted in the collection remaining on my Equifax report. XXXX XXXX are suppose to fall off under {$500.00} starting in XX/XX/2022. Will you assist with having this removed? Thank you.
Complaint sub-issue: Banking errors

On XXXX XXXX at XXXX XXXX. I tried to deposit my cash amounted to XXXX dollars in my KeyBank account. The atm counted the money and showed it all went alright until it said unable to process transaction, see attendant inside. It was a Sunday so there was no way of going inside. We called KeyBank immediately and followed a complaint. I called the KeyBank at XXXX XXXX XXXX, XXXX as soon as they opened early Monday morning. They assured me that they would balance the atm and call me to let me know the status. A provisional credit was issued and I thought everything was going well until I followed up and they said they didnt find anything. I am now down XXXX dollars and dont know where to go from here. I now dont trust KeyBank and feel they did me wrong.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Good Morning Sir or Madam, I am filing a complaint against Direct Express. Every first of the month, {$430.00} is posted on my Direct Express debit card. I called XXXX to check the balance on the card, it says the {$430.00} was posted into the account on XX/XX/XXXX, but also there was a {$230.00} charge on the card XX/XX/2019 that I did not authorize. I called repeatedly to inquire about the charge because I don't know where it was from. I want to dispute the charge, but unfortunately after several attempts, I kept getting a message reading high call volume, try again later. I called the social security administration they said, once the send money to Direct Express, it's out of their hands. They said for me to try to call Direct Express Saturday morning @ XXXX. Unfortunately, I called today, Saturday XX/XX/2019 and keep getting the same recording. I have no way of knowing why my funds are missing or who is responsible for the charge. Direct Express number listed on the card is XXXX. There is no address listed on the card. I searched their website for an address. XXXX. XXXX XXXX XXXX XXXX, TX XXXX is listed. Can someone please help me? 

My contact information : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas. XXXX Phone :. XXXX
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX with square email : XXXX I have been using Square to process payment for my business but Square decided to deactivate my account and stole my funds. 

Since then I have had some contact with Square, but they refused to respond to me saying that I have disputes that needed to close first before they can send me my money. 

My funds was to be given to me 3-4 months ago, but Square has held my funds for many months without sending it to me. 

All disputes on my account was closed by XX/XX/2022 but square has held my funds for more than 3 months since then. 

I have {$1100.00} on my Square account which I need to withdraw.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I notified Equifax that there was an error with my name on the credit report. I had a legal name change. I mailed my court order name change, Social Security card, bank statements, and copy of my identification card. They said they resolved it and it still has not been resolved a year later. I submitted another dispute with Equifax disputing the same thing on XX/XX/XXXX. Its now been 30 days and I still have no response. Please help me
Complaint sub-issue: Didn't receive terms that were advertised

i opened an account back in XX/XX/2021 with an offer of {$400.00} credit when i keep minimum $ XXXX after 60 days of opening an account. 

Its been approx 6 months and the bonus did not get credited and I had to followup multiple times with the bank and still it is not credited. 

I even walked into the branch and complained but still it is not credited.
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This account is erroneously listed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019, I received a SPECIAL OFFER letter from Conn 's Home Plus : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from Conn 's I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If Conn 's never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If Conns would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, Conn 's continued to harrass me daily and report negative payment information to all 3 bureaus. 

Conn 's has been removed from my XXXX  credit file but the results from my dispute with XXXX and XXXX have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that Conn 's has voluntary reported to different sources IS CONTRADICTING. 

Conn 's continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world