Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble getting, activating, or registering a card

I have requested the account statements for a XXXX XXXX XXXXXXXX benefits card in my name and social security number that was administered by Key Bank. Key Bank is refusing to send the statements to me. I have requested the statements from Key Bank three times, and Key Bank has refused to send the statements each time. I have filed two complaints, one with CFPB and one with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In both complaints, Key Bank told me that I should contact XXXX XXXX  XXXX DOL for " that any inquiries regarding the unemployment benefits for this Card must be directed to the program manager for your state ''. To be very clear, I am not contacting Key Bank for information about my unemployment benefits. I am contacting Key Bank to get the account statements that are in my name and my social security number. I have a right to obtain those statements from the financial institution that administers the account. XXXX XXXX state does not have the account statements. Only Key Bank has the account statements, and Key Bank is refusing to send the statements to me. Key Bank is misdirecting me to the XXXX DOL for this request. Prior to my requests for the account statements, Key Bank has sent other account information to me, including a rebate check. Clearly Key Bank has the ability to send account statements to me. 

It is Key Bank 's responsibility to send these account statements to me and Key Bank is refusing to do so.
Complaint sub-issue: Not given enough info to verify debt

I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.
Complaint sub-issue: Debt is not yours

Jefferson Capital continues to call me for a debt that is my Fathers and not mine. The calls continue to come from spoofed local Caller ID numbers. Also this debt is more than 7 years old and yet they continue to call me even though I have explained that to them. The gentleman who called me was clearly not from the XXXX and even when I explained to him that it was not my debt he continued to garras me telling me I had to confirm my social security number with him which I refused to be cause it was not my debt. He then moved on to call me a liar and that I was clearly lying and that I would die in my web of lies. 

I realize a lot of debt collectors are outsourcing their call centers to XXXX based companies, but this is unacceptable because they are still calling XXXX  XXXX  and representing XXXX  based companies yet violating federal laws. 

This is not the first time Jefferson Capital has used these tactics to attempt to collect debt that is not mine or that has surpassed the statue of limitations.
Complaint sub-issue: Other problem

On XXXX of XXXX I have sent an e-mail to XXXX asking them to send me my date of birth and my alleged SSN as previously they have admitted having them. Also I have asked them to get a response by post which they ignored. They responded by e-mail on XXXX of XXXX saying they are unable to verify the specific information they have gathered. The same day XXXX have asked them how they were able to obtain my SSN when I do not have one. And on XXXX of XXXX they repeat their response and say that they consider the issue resolved and they will no longer respond to inquiries regarding this matter.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by reporting inaccurate payment history to Equifax. I have never been late and this account should reflect on-time and closed. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by reporting inaccurate payment history to the credit bureaus. I have never been late so this account should reflect on-time and closed. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting misleading payment history to Equifax. I have never been late and this account should reflect on-time and closed. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated by reporting fraudulent information on my credit report. Im a natural person and Ive never applied for any service through XXXX or its subordinates. This account needs to be removed from my Equifax credit profile immediately. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by harassment and perjury through mail, email, phone calls and calling my friends. Ive never physically signed any contract binding me to any terms of service, although if I Ill take full responsibility but as the consumer I have the right to request that the original creditor ( XXXX XXXX XXXX ) show evidence in writing within 5 business days of receiving this dispute under FCRA guidelines. 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 hand written instructions.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/XXXX it said I opened a XXXX account I was only XXXX I could n't open a account for myself someone used my name. When I checked my credit score XX/XX/XXXX I  noticed I owe {$570.00} and I disputed because it wasnt my account and I never received a bill to my house. In XX/XX/XXXX I spoke with a representative they agreed the account wasnt mine and that I could go back to XXXX again. She never told me to send in any documents because I didnt have any it wasnt my account. I spoke with them today and they told me I had to file a claim to get it off my credit
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since  they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my  employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has not received the payoff but were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX and maybe XXXX and Equifax as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA standards.
Complaint sub-issue: Public record information inaccurate

I received a letter from Citibank informing me that they had downgraded my credit card from an {$8600.00} Credit Line and {$2000.00} Cash Advance Line to a {$1000.00} Credit Line and {$0.00} Cash Advance, on my CitiBusiness AaAdvantage credit card. 

The letter stated that Citibank received a credit score from XXXX  for me of XXXX, which they used to make this decision. However, when I logged into my " XXXX  '' account, I found that my Credit score was XXXX ( Excellent Credit ), which is the credit rating that I believe I always had. 

Citibank sends periodic " Soft Inquiry '' requests to XXXX to insure that my credit rating has not changed. I believe that Citibank somehow either received an erroneous response to their last Soft Inquiry from XXXX, or that CitiBank had some processing issue and did not process the XXXX report properly. 

I can not get either CitiXXXX or XXXX to provide me with a copy of the Soft Inquiry in question. CitiXXXX refuses to re-instate my previous credit line, even though I have excellent credit and my current credit rating as of XX/XX/2021 is XXXX on XXXX. Citibank suggests I should dispute the credit report that they received from XXXX, but they will not provide me with the report that caused them to downgrade my credit. Since my credit rating/report/score on XXXX is near perfect, I don't have any cause to dispute information on their website, or with the credit report that they provide to me directly. 

I need help to force CitiBank, and/or XXXX to provide me with any documents that caused this downgrade. 

Thank you for your help
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered an unpaid account on my credit report that I never opened or used. US Bank is reporting an amount of {$7200.00} on an account supposedly opened and closed in 2014, that US Bank reports was never paid, and that US Bank eventually charged off, causing irreparable damage to my credit report. 

I never opened this account nor incurred this debt. This is a fraudulent account that is adversely affecting my credit score. I have called the company, US Bank, to get more information about the account, and the representative refused to provide any information or assist with resolving this attempted theft because I could not verify the identity of the criminal who opened the account. I contacted each of the three credit bureaus to report this fraud and the credit reporting industry 's culpability in such crimes. Two weeks later, the three credit agencies ' putative investigations were concluded, parroting the furnishing company 's falsehood with an unchanged score, lacking any documentation or notation of dispute or fraud whatsoever, and the phrase " results unspecified. '' The result of this disgusting crime is that my credit score is depressed while these companies get away with perpetuating negligent falsehoods at the expense of my rights and in violation of federal law. 

I am a veteran of two wars with over XXXX XXXX XXXX service to the military. I observe the laws of the land and pay my debts. In return for my service, I am apparently fair game for US Bank to casually extend credit to criminals in my name, then level fraudulent, unchallenged slights against me, harming my reputation and my ability to buy a home.
Complaint sub-issue: Reporting company used your report improperly

Again Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681. I never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ). Regarding this matter since Equifax continues to violate my rights, please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract whereas i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges ' inspection if this matter escalates to trail to contest these matters. XXXXDEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX
Complaint sub-issue: Account status incorrect

I HAVE STUDENT LOAN/EDU THAT IS LONG TIME PAID OFF AND CLOSED, SOME ACCOUNTS BALANCES ARE INCORRECT THAT THESE 3 CREDIT BUREAUS. XXXX, XXXX, AND EQUIFAX MAINTAIN IN MY RECORDS ON PURPOSE JUST TO KEEP MY SCORE LOW MAYBE BECAUSE I AM AN XXXX XXXX. THEY NEED TO UPDATE MY FILE. THEY ARE SOME ACCOUNTS THAT ARE SETTLED WITH LENDERS THAT ARE NOT EVEN REFLECTING ON MY 3 CREDIT REPORTS. KINDLYACTION NEED TO BE TAKE WITH THESE 3 CREDIT BUREAUS. THANKS.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My complaint concerns a disputed charge on my credit card from CITI bank. 

A fraudulent charge was made on my credit card on XX/XX/XXXX to XXXX XXXX XXXX for XXXX. I reported it to the credit card companys credit card services on several different occasions after receiving a call from their collections department in mid XXXX. Since then I have contacted them on four different occasions, most recently on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to find out why this hadnt received a security credit as it had in the past. CITI had given me a security credit when this exact same incident occurred on XXXX XXXX with the same amount and the same XXXX XXXX. When I have talked to them they have repeatedly told me that the charge has been credited, but it still appears on-line on my statement and now I'm getting late charges. They have also closed my account. Each time I have spoken with them for over a half hour, but I cant seem to get this resolved. I have also included the information they asked for from the first time this happened on XX/XX/XXXX as well as pertinent account information They give the following address : Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX
Complaint sub-issue: Information belongs to someone else

I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 26 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$16000.00} XXXXXXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX {$6900.00} XXXX /XXXX   XX/XX/XXXX {$5000.00} 10 XXXX   XXXX XX/XX/XXXX {$710.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$700.00} XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$290.00}??????? XX/XX/XXXX {$1900.00} XXXX / XXXX XXXXXX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX   XXXX XXXX {$6900.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, blocked from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card.and and FTC Affidavit as required in F.C.R.A Section 605B.
Complaint sub-issue: Account information incorrect

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent at least three letters to Equifax, XXXX, and XXXX in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.
Complaint sub-issue: Information is missing that should be on the report

I've put in a dispute concerning my family members adding me as an authorize users on to account 's on my credit report and it not reflecting in my credit report. I was told to call the company and they will fix it when they update but was told they sent the complete file to the bureau. I'm requesting that the credit bureau update my credit file to reflect the payment HISTORY OF THE CARD IMMEDITAILEY. Ive also complained about my credit file not updating correctly and I've been told to contact the special handling department but its not a number to contact but an internal number to it has to be transfered but no one never picks up. I'm requesting to remove all blocks and alerts from my credit report immediately so my credit report can updated correctly.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX  Account Number - XXXX Amount - {$2100.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$920.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount - {$1000.00} XXXX XXXX XXXX Account Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount - {$180.00}
Complaint sub-issue: Can't use card to make purchases

Overzealous and incompetent fraud department targeted a valid charge and was unwilling to take responsibility, leaving card useless. Attempted to charge {$140.00} on a Citi Mastercard on XX/XX/18 and it was declined. The customer service rep was unable to explain their rationale. The card was in good standing ( actually a negative balance ) with no previous problems. The fraud department was unable to help and seemed insistent that I have a second phone number, which is a ridiculous notion. Upon second try, the fraud department again was unable to do anything or to connect me with a supervisor.
Complaint sub-issue: Reporting company used your report improperly

XXXX is reporting my credit history improperly. XXXX is showing latest on my report as if they are current. The report is not updated. Also I have a right to privacy under law 15 usc 1681 section 8602. Also the creditor may not treat a payment on a credit account under a open and consumer credit plan as late for any reason. Law 15 usc 166b.
Complaint sub-issue: Deposits and withdrawals

Called on XX/XX/11 to report fraudulent activity, I had tried to deposit a check that was found to be fraudulent unbeknownst to me. I was the victim of a scam. Specifically a gift card scam. I lost {$3000.00} of my money. All of my accounts : checking and two savings accounts were frozen with no access to other accounts not associated with the checking account involved. I have auto draft accounts that are trying to draw from the checking account and now I am getting charged fees because the account is frozen. Additionally I can not turn off auto bill pay entries because I have no online access to stop these auto payments. I was told the investigation would take 10 to 90 days.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, I did not authorize the above account.
Complaint sub-issue: Debt is not yours

I contacted Grant & Weber on XX/XX/21 to inquire about a collection that I did not recognize, but is currently reporting on my XXXX report. I provided all of my personal information, including social security number, and the agent was unable to locate an account. I then requested for them to remove the collection from my report and was advised that since they could not locate the collection that there was " nothing they could do '' about it. I was told to contact XXXX, which I have already done and was told to contact Grant & Weber. I'm going in circles. 

I have attached a screenshot of the collection which shows that Grant & Weber last reported it on XX/XX/21. Since they reported it, they should have a record of it, correct?