Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I would like to start by saying I've personally never done business with IC SYSTEMS. Ive never heard of the company ever. Im not sure how they have obtain my personal information but they are pursing me heavily regarding an debt owed for what? Im not really sure. It says XXXX XXXX attached with IC SYSTEMS on my credit report .Ive disputed this twice and I recently wrote this company to help me resolve this matter. They responded with an offer to pay half of the debt that was written on the letter sent to me saying I owe them. Ive never done business with this company and I do not owe them any cents of any dollar.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity-theft as my personal data has been compromised by someone and used for some time now for them to open or attempt to obtain benefits from various sources over some years now. I have filed several reports previously to the FTC, CFPB and local Authorities to obtain some resolve to this ongoing illegal and unauthorized activity. I can not obtain the credit I personally deserve because of the credit others have illegally obtain under the guise of my personal identity. They have obtain Student Loans, Auto Loans, Medical Services, Housing and others financial benefits without any authority from myself and I need it to stop immediately and my good name restored.I will be seeking relief from the Attorney General Office of Michigan if this is not cleared up immediately pursuant to FCRA 605 ( b ).
Complaint sub-issue: Investigation took more than 30 days

I paid off National Recovery and they started calling every month for XXXX after stating I owe them I paid 3x 's after I recovered my credit National Recovery Agency in Pa reported it to Credit Bureau all but XXXX have removed it. 
I had bank statement receipts of the payments its like they're systemically trying to sabotage my score. Also I have these ppl at XXXX who are harassing me. 
I canceled ent them and sent receipts stating I had insurance with another company days before my next payment was due I canceled I got a settlement of XXXX and I cleared my credit with it all I had was XXXX worth of debt. 
I'm going through health problems and I am not doing this, I don't need anybody extorting me for money I don't owe.
Complaint sub-issue: Their investigation did not fix an error on your report

Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Account Name : XXXX  XXXX  Account Number : XXXX Balance : {$230.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$320.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed this account with the credit bureaus since XX/XX/2021, I have sent my first letter to the bureaus on XX/XX/2021 to be exact.. and they still haven't made a resolution to this problem. I am disputing these accounts because I do see some information that is reporting inconsistently. I believe it is my right as a consumer to ask for validation, correction, or deletion of these items if they are being reported erroneously. 

I have attached my evidence that the CRAs are confirming that the information that was there was wrong however they're not willing to budge in the rest of the detail and I feel that I'm highly compromised and therefore I'm needing for them to take action or make a speedy resolution on this because I need to be able to access my credit and this is actually hurting me more than it's doing me good.
Complaint sub-issue: Didn't receive enough information to verify debt

In a previous complaint regarding this debt. The creditor agreed to remove this and cease collection attempts.
Complaint sub-issue: Information belongs to someone else

I have a fraud alert on my credit report and multiple times a Macys account continues to report. All credit bureaus remove the account from my report but XXXX added it back on. They already investigated this matter and removed it but added it back on.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX EQUIFAX INQUIRIES : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXXXXXX XXXX  XXXX EMPLOYER : XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting on my credit report as a past due balance on an auto loan that was totaled. XXXX entered a class action law suit. XXXX practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, XXXX is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. XXXX has yet to respond to my request. Please have this account removed as I am in the process of buying a home.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I submitted a dispute with Macys XXXX in XX/XX/2022. I submitted all relevant documentation illustrating how a dress cut was not as described from XXXXs. It was returned with tracking. This is a charge of XXXX The vendor acknowledges receiving the dress back but disagrees with my claim about the slit in the dress. Notwithstanding they are in possession of the item and it is no longer in my possession so I can not be charged for it. 
Apart from this, MacyXXXX XXXX violated the FCRA and failed to conduct a proper, judicious and fair investigation into this matter. 
Almost three months later, without any paperwork nor basis for their actions they simply state that they closed the card and denied the investigation. 
I have a credit of over XXXX in overpayments and this is theft, violation of the FCRA, and retaliatory actions as I opened a dispute with valid reason and evidence. 
This company needs to return all of my monies including the XXXX charged to XXXX AS THEY ARE IN POSSESION OF THE MERCHANDISE AND CANT CHARGE ME FOR SOMETHING I AM NO LONGER IN POSSESION OF. 
They can say the slit on the dress isnt off like I said but it doesnt matter as they are in possesion of it and cant charge me for an item they are in possesion of. 
That is also theft and citibank/MACYS XXXX is part of a conspiracy to defraud me and deny my due process. 
I will sue them in small claims court for the monies stolen from my account and their prejudicial investigation that violates my rights as outlined in the FCRA
Complaint sub-issue: Talked to a third-party about your debt

I was notified by my XXXX Credit monitoring account today by e-mail on XX/XX/2022 at XXXX XXXX XXXX. That a social security number trace was established and was redirect to a new address or residence, and that if the information was not correct to contact the XXXX as soon as possible to address it. 

So I did just that. When I was on the phone with XXXX they looked up the alert and to whom reported this on my credit file. 

The customer service agent from XXXX stated it was reported by AFNI incorporated. He then went on and stated there was nothing attached to report a credit account or debt. It was removed immediately but I feel this company was trying to tack this address to my credit report fraudulently to establish a debt with me that I don't owe to them. 

Additionally, I'm not sure how they have obtained my social security number and then ran a trace on it. As documented in my XXXX account. 

I have had a lot of my personal information compromised drivers license, SS, email and phone number are currently being monitored by accounts with all credit reporting agencys
Complaint sub-issue: Public record information inaccurate

I filed chapter XXXX bankruptcy XX/XX/XXXX. My mortgage was not included and has been and is still being paid on time every month. My credit report states I filed bankruptcy on my mortgage and does not show payment history or balance since the filing of my bankruptcy. I am in good standing with my mortgage and it should be used to increase my credit score but instead there is no info. I had problems with them already holding my payments and not posting them and reported them to the irs for not posting my XXXX and XXXX payments that were taken out of my account in XX/XX/XXXX and they put in a holding account and didnt post until XX/XX/XXXX so they didnt include on my mortgage interest statement. I provided documents to IRS and they told me I was correct and to claim it and they are investigating them now. They keep holding my payment in a holding account making it look like its late on my statement when it arrives and it clearly states XXXX thank you for payment ( in holding account ) when I call they tell me not to worry about it but they are obviously scamming me. And XXXX did nothing about it. Obviously if I had submitted my house in bankruptcy I wouldnt be paying it and it would have been taken from me. I pay on time every month!
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted all 3 credit reporting agencies regarding a XXXX XXXX account financed through XXXX XXXX. This is not a duplicate! I have contacted XXXX XXXX on numerous occasions and have constantly been redirected by their customer service center. Below is a description of my complaint. The times purchased were from years ago and I resolved this matter with XXXX XXXX, please see notes below. I am standing on the fact that I bought used furniture and the store refused to take the furniture back. I asked the 3 credit reporting agencies to conduct an investigation into this matter as the store has not been able to assist me. 

I did receive a letter from Equifax stating this information is not reporting on my credit file, however, when I looked at my credit file again XXXX XXXX is still listed. 

In 2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.
Complaint sub-issue: Their investigation did not fix an error on your report

I did not receive a statement ( mail or email ) from Citibank regarding an annual fee that was due on XX/XX/2019 for my Best Buy credit card and incurred a 30 day late fee penalty for payment which lowered my credit score drastically. I paid off both the late fee and annual fee for {$120.00} and called the credit card company to dispute the charges and damages done to my credit score. They advised that for some reason, the statement was mailed off and sent back to their office. The late fee was waived, however after several weeks, my credit score is still damaged.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Personal information

Some time ago someone at a Creditor entered my name as XXXX XXXX XXXX vice XXXX XXXX XXXX an obvious typo. Also reported an Employer as XXXX XXXX, vice XXXX XXXX. Again a typo by someone doing data entry. For years I have received credit offers to XXXX XXXX XXXX. Tried of it and would like my Equifax Report corrected. I have contacted XXXX and they have corrected via their process. Hoping this works.
Complaint sub-issue: Reinserted previously deleted info

I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with XXXX equfax about an account XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XX/XX/XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX
Complaint sub-issue: Debt is not mine

XXXXXXXXXXXX debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Complaint sub-issue: Old information reappears or never goes away

Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX sent an official letter stating card ending in ( XXXX ) has been closed since XXXX. Equifax and XXXX shows a reporting of account is still open in the years ( XXXX & XXXX ) and still reporting actively. They have sent me a letter saying they made mistake and rep did not officially closed card down in XXXX when it was paid in full, and now its actively being reported. Please accept this letter from XXXX XXXX that is attached in the complaint and resolve this credit reporting issue urgently! I am closing on a house in 2 weeks and this can not wait 60 days to resolve. Please give a detailed explanation as to why this can not be resolved with official letter provided by the company stating this is an error.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased phone case over the internet from XXXX XXXX. Case arrived and was not as described. Logo was a sticker on a phone case. The item described was a logo infused into the plastic case. I contacted merchant who wanted me to return the item to XXXX for {$35.00}. However, the item was received from Kentucky and only cost {$25.00}. This made no sense. I issued a credit card dispute with Discover and was advised there was nothing they can do. The internet Provider is allowed to XXXX me for false advertisement of merchandise and force me to send it to XXXX to avoid people from pursuing a refund. This is fraud and Discover Card is promoting it and forcing their customers to pay it. This is WRONG!
Complaint sub-issue: Debt was paid

I started an account with a company called Conns. I purchased a lease to buy couch and a stove.i had been paying for over a year and a half. The stove was payed for threw the insurance payed for in full with an additional XXXX dollars added to claim payment. The couch has been more than payed for threw the payments made. I believe the purchase was made in XX/XX/2018 starting balance XXXX The couch was XXXX. XXXX The stove was XXXX. They currently saying I owe XXXX I do not owe them any more money. I was over charged. Robbed
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, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item 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 block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

Company has instilled fear within the consumer. Today the company responded to a earlier complaint stating that the matter was in past or present litigation. This caused emotional distress. I would like for I.C. Syste m to provide proof that this matter is in litigation or has been in litigation pertaining to this matter with  XXXX   XXXX . Please upload any and all past or active litigation documents that were the result of a case #.   XXXX  Thank You
Complaint sub-issue: Was not notified of investigation status or results

According to 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report these accounts are in violation any credit transaction supposed to be excluded from a consumer credit report if a social security was used in the transaction. I never gave you anything in written consent to report anything on my consumer reports, no consent is fraud. Misleading False reporting and inaccurately reporting means you are failing to comply to 15 USC 1681. I demand these accounts be deleted immediately!
Complaint sub-issue: Attempted to collect wrong amount

purchased merchandice at XXXX for XXXX.dollars through whynotleaseit at XXXX   payments XXXX.dollars monthly have paid XXXX. dollars tried to stop lease whynotleaseit tells me i must give them XXXX.more dollars in one payment to get out of the lease or pay XXXX.dollars forever i believe this is extortion scam lets put them in jail
Complaint sub-issue: Account status incorrect

I tried to dispute the account several times though the credit bureaus and never got anywhere. The account has been paid and it still shows open. It is affecting my credit score tremendously.
Complaint sub-issue: Problem with fees

Back in XX/XX/2020, myself and 3 other friends booked a flight to XXXX, XXXX. After US government came out and stop travel to XXXX for pleasure we had to cancel our flights. 

We called airlines. They stated their was a cancelation fee of {$980.00} but since we have insurance. Our insurance would cover the {$980.00} balance. They charged me the {$980.00} fee twice and as we canceled our flight. They also canceled our insurance policy.

Since then I have been calling Citi Double cash credit card monthly. To fix this situation. Everytime I speak with someone from Citi Credit Card. They have a different story, situation, etc.

I am beyond exhausted and tired of having to call this credit card company monthly.

Now since its been over 6 months. They have reported to credit componys. So my credit has dropped over 100 points and they still  don't know if they can resolve this situation. 

I am at a lost a this point.
Complaint sub-issue: Problem with customer service

I have been using Citi online banking for my credit card since XX/XX/XXXX. Starting from XX/XX/XXXX I was not able to login to my online banking account any more. So I called Citi customer service on XX/XX/XXXX, hoping to figure out what's happen because I did not change my password. 
However the representatives were a nightmare. They kept transferring me to the next representative for 13 times without giving me any resolutions at all. Also my calls have been dropped 3 times. I've been on the phone for 2.5 hours and haven't gotten any useful information from Citi.