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

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXDEPT OF ED. 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: Account information incorrect

XXXX XXXX Balance Owed : {$2400.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

XXXX XXXX XXXX Balance Owed : {$170.00} - This account was taken care of with original creditor prior to going to collection, this is an error please remove this account.

XXXX XXXX XXXX Balance Owed : {$58.00} - Delete this unknown account unless you can provide me with proof of a contract with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet the 3 credit Bureaus refuses to remove me from being lates on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXX Balance {$3400.00}
Complaint sub-issue: Didn't receive enough information to verify debt

Afni, Inc.

Recovery Team - XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX . 
XXXX, IL XXXX XXXX Acct : XXXX Collection agency reported debt to XXXX  on XX/XX/XXXX. I filed my dispute with XXXX  on XX/XX/XXXX. In my dispute I requested validation of the debt. AFNI failed to respond to XXXX. As such, XXXX  completed their investigation and removed the collection from my credit report on XX/XX/XXXX. I called and attempted to resolve this matter with AFNI on XX/XX/XXXX. The agent misrepresented my intentions and confirmed she noted the account as " refused to pay because mail not received. '' I clarified that was not my intention. I called AFNI to settle the account for a low amount ( {$25.00} ) because they did not respond to XXXX, or at best, to have the account removed from collection. Due to that conversation, I sent an additional formal dispute letter directly to AFNI on XX/XX/XXXX via e-mail stating all of the above. I demanded removal of the account from their ownership and a cease and desist of collection actions based on misrepresentation, FDCPA 807. I demanded removal of the account and cease and desist of collection actions due to failure to respond to verification request to XXXX, FDCPA 809 ( b ). 

I received a letter yesterday from AFNI with an additional attempt to collect the debt and with verification from XXXX XXXX XXXX attached. Note, the verification was simply XXXX XXXX XXXX 's letterhead and a balance owed. There was no itemization or explanation of the balance.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2014, I was unemployed and collecting unemployment from XXXX. My federal loans were never registered as in deferment, despite me initiating paperwork to get them deferred. i entered default and have been fighting to get the lates removed for years. Since my loans were in deferment, there should be no late payments on my accounts. This is completely unreasonable.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Public record information inaccurate

On XX/XX/20 I called and requested my full disclosure consumer file from LexisNexis. My identity was verified and my report was mailed. On XX/XX/20, I sent in proof of identity ( copy of ID and social security card ) and correspondence requesting removal of bankruptcy, ALL old addresses ( and email addresses ) and requested to update my new address ( case number XXXX ). During this time, I mailed a letter to the US Bankruptcy Court and I received mailed correspondence dated XX/XX/20 stating they don't validate or verify bankruptcies or public records for LexisNexis or any other 3rd party companies. On XX/XX/20 I called in to request a security freeze on my consumer report, I verified my identity, and a PIN was created and mailed to me. On XX/XX/20 I emailed LexisNexis the letter from the US Bankruptcy Court and I requested the bankruptcy to be removed due to inaccurate reporting. On XX/XX/20 I spoke with XXXX and stated the 30-day statute ( from XX/XX/20 ) had passed regarding my dispute to remove inaccurate information. XXXX goes on to say that my identity couldn't be verified and that was the reason nothing was mailed. Any time I send correspondence, I always include a copy of my ID and social security card. Now all of a sudden, my identity cant be verified. In that recorded conversation, I requested yet another investigation for the proof of method of verification of the bankruptcy from my file ( case number XXXX ). Again, I didn't receive anything after the 30-day statute, so I sent another email on XX/XX/20. This time I received response via email stating to call LexisNexis. I called on XX/XX/20 and spoke with XXXX and he told me my identity could not be verified so that's why nothing was mailed. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to  contain only the last 4 digits of the individual 's social security number or tax identification number. FRCA 611 ( a ) ( 1 ) ( A ) was violated in each instance, therefore I request that this public record be removed from my report and an updated report be mailed to me.
Complaint sub-issue: Account information incorrect

On XX/XX/2016 a balance of {$13000.00} appeared on my XXXX Credit report. I am challenging XXXX to verify this account Per ( Section 609 Of The Fair Credit Reporting Act ) This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting.This section of the FRCA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation ( Whatever I filled out and signed upon opening the account with the reporting creditor.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX Inquiry from XX/XX/XXXXand XXXX XXXX  Inquiry from XX/XX/XXXX. I had reported int to XXXX  and Equifax, because somebody put it on my credit report. 
Also I had a derrogatorry mark from XXXX Opened XX/XX/XXXXthat I had paid in full, and I reported it to Equifax, and they didn`t tooked out of my credit, even I hd paid it in full. I had called them many times, but they hold it in my account. 

Also, I would like to report that I paid my student XXXX in full and still my credit said that I have a debit for {$3200.00}. nd that is from the 3 boreau credit!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX 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 an account without my written instructions
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/2019, XXXX XXXX XXXX charged my Macy 's XXXX  credit card on file {$680.00} for services that were not performed or authorized by me. The XXXX XXXX XXXX does not have any documentation on file behind this charge. For the last 11 months, Macy 's XXXX and the XXXX XXXX XXXX have been going back and forth with no valid information or proof to this transaction. I have always responded timely and provided information as needed. Today I was notified by Macy 's XXXX that they are closing the dispute and I just owe the money. There has never been a written or verbal approval for this {$680.00} charge. It is completely fradulent. I need for you to step in and take over this investigation.
Complaint sub-issue: Account status incorrect

I demand that these items be investigated and removed from my report. It is my understanding that the bureau will recheck these items with the creditor who has posted them. Any information that the creditor can not verify must be deleted I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter its been well over six months. The following information are incorrect. I would like it removed from my credit history report XXXX Account Number : Please correct/update this inaccurate information on my credit report. 
XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF ED/XXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF EDUCATION/XXXX Account Number : This account is inaccurate and XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number :. 

These account are inaccurate The following information has not been verified and, following failure to verify, deleted from the report as soon as possible these accounts are deed in vilation remove immediately. Stop updating Delete and Remove Inacurate reporting now. 

I have address misspell names open and closed reporting dates and so much violation to many name.
Complaint sub-issue: Application denied

CITI BANK Citibank XXXX, XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX. 
ON XX/XX/XXXX TH 2021 I APPLIED FOR A CONSUMER CREDIT TRANSACTION WITH CITI BANK BEST BUY. I THEN RECEIVED A NOTIFICATION THAT I HAD BEEN ALLEGEDLY DENIED MY BIRTH RIGHT OF RECEIVING CONSUMER CREDIT BASED ON ILLEGALLY FURNISHED INFORMATION ON MY CONSUMER CREDIT REPORT. CITI BANK USED MY CREDIT CARD TO RECEIVE CREDIT BUT DID NOT EXTEND THE CREDIT TO ME.THEY FURNISHED MISLEADING DOCUMENTS SUCH AS A ADVERSE ACTION LETTER.ADVERSE ACTION HAS NOTHING TO DO WITH THE DENIAL OF CREDIT BECAUSE ACCORDING TO THRUTH AND LENDING I AM THE ORIGINAL CREDITOR..I AM THE THE ORIGINAL CARD ISSUER THEREFORE WHEN I EXCHANGE MY CREDIT CARD I SHALL RECEIVE SOMETHING OF EQUITY IN RETURN.I DID NOT RECEIVE ANYTHING.I HAVE BEEN ROBBED AND HUMILIATED. 
CONSUMER REPORTING AGENCIES HAVE NO RIGHT TO FURNISH INFORMATION WITHOUT WRITTEN CONSENT BUT THEY STILL WENT AGAINST FEDERAL LAW. 
ITS MY RIGHT AS A CONSUMER NOT BE JUDGE BY A SCORE, I AM A NATURAL PERSON WITH A OPEN END CREDIT PLAN .HOW IS IT POSSIBLE THAT THEY ARE ALLOWED TO COMIT THESE FRAUDULENT ACT WITHOUT BEING HELD ACCOUNTABLE. I WANT JUSTICE .I DON'T DESERVE TO BE TREATED LIKE THIS! 
PLEASE DON'T NEGLECT THIS MATTER I HAVE SUFFERED SERIOUS INJURY DUE TO THIS SITUATION I NEED YOUR HELP CFPB A FINANCIAL INSTITUTION CAN NOT DENY ORIGINAL CREDITORS TO ACCESS TO CREDIT. 
SINCERLEY, XXXX XXXX XXXX AM WHO I AM AND NO ONE OTHER )
Complaint sub-issue: Account information incorrect

This is an invalid debt. I have made every effort to have this information corrected. However, XXXX XXXX XXXX XXXX refuses to acknowledge this error and has left it on my credit report, this has effected my life in a negative manor.
Complaint sub-issue: Information belongs to someone else

CREDENCE RESOURCE MANAGE Account XXXX CREDIT XXXX BANK Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX RESURGENT/LVNV FUNDING Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX SCENIC HWY XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX SCENIC HWY XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX SCENIC HWY # XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions Im Im Im sorry sorry for 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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: Account terms

XXXX fraudulently reported a foreclosure for a XXXX mortgage that never existed. I never received notification of any kind on this account. I never took this loan with XXXX. XXXX has not produced actual signed papers proving that I took this loan. Unfortunately I have no supporting documents because there are none. I am a XXXX Veteran and was suffering from XXXX at the time I took my {$140000.00} mortgage. All of the problems with XXXX were originally caused by my need for a XXXX XXXX. XXXX abused their authority by fraudulently promising a mortgage modification and dragging the results out for three years. The end result is a predatory loan that was originally {$140000.00} and is now {$160000.00} and is {$100000.00} underwater. My modified loan is 24 years at 3.75 % and at the end of 24 years I get to make a balloon payment of {$100000.00}. I paid a lawyer {$5000.00} to represent me in this modification. Any reasonable person would never deal with XXXX if they knew the rules and procedures XXXX employees have to follow. XXXX is responsible for ruining at least seven years of my life. I am now XXXX and I can not afford to have this financial predator to continue to abuse me. I think it is a shame that the credit bureaus are allowed to keep derogatory reports for seven years. People do n't do seven years for XXXX in this country. If it were three years I think the economy would blossom. Also at the time of my modification XXXX promised to remove all the late payments that they were responsible for. I was told not to pay because my modification was on the horizon.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX -XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX -XXXX XXXXXXXX  # XXXX -XXXX XXXX XXXXT # XXXX
Complaint sub-issue: Information belongs to someone else

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I saw alot of inquiries as well 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 XXXX XXXX XXXX XXXX XXXX XXXX. Im doing this on my own behalf.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Inquiries on XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized and Inquiries on Equifax XXXX XXXXXXXX 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 XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased an item from a company for my car. Once I got the item, I attempted to install said part and found out that the part was the wrong size. The company advertises this part to fit my car and I emailed them before hand to confirm. So either the part was mis-advertised or defected. After going back and forth with the company I bought the part from, for close to a month, trying all their trouble shooting steps ; they told me to return the part. 

I returned the part and they refused to refund the original charge and never returned the part to me. Therefore I no longer have the part, I attempted to fix the issue with the merchant and they still have my money, I disputed the charge with Keybank and they never issued provisional credit within 10 business days and it took close to 2 months for the dispute to be finalized. They never requested additional information from me, which I had plenty of evidence to submit. I finally got a letter saying it was denied and to contact merchant. 

Upon contacting the dispute department with Keybank, the first rep repeated why the dispute was denied in the letter and then when I asked why they didn't take my evidence into consideration, she didn't really give an answer. She then told me to go to small claims court and hung up. 

Covered under Reg Z is consumer protection regarding credit card disputes. Including disputes filed because of damaged and or items not as described. I believe Keybank is in violation of Reg Z.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 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: Problem using the card to withdraw money from an ATM

had damaged card. ordered new card over phone. no direct assistant attendant available to speak with. happens to me quite often.. especially during an emergency situation. i, order new replacement debit card and recording identifies my address by asking if my XXXX XXXX XXXX is XXXX if i pay {$13.00}, i can receive my new card in 2 days. i agree, and never receive my card. payments need to be paid or late charges accure. card never shows up, because not allowed to express delivery card to any po box . i learned this after nearly two weeks waiting for my card and having nearly no answer by direct express .com banking system to respond 24/7 days a week. no, fuel for transpo to court hearings, many important payments and im expected to always eat the charges? well now i have a new card, worked for a week. and now card is frozen for any further activity.. it cost me {$13.00} for a week of activity.. and i call day and night all hours and no answer, but once and been told my account is with fraud department. so they transfer me and no answer, while waiting for an hour.. no, call back, and still no answer..can you contact them and release the freeze on my card, so i can be able to use it and most likely move to anther bank. card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. thank you most appreciated. and if possible, i would like both card payments returned along with {$500.00} dollars in fees of late charges and punitive damages. thank you once again.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I used Citi Visa ( branded COSTCO ) to make a deposit on a XXXX XXXX ( # XXXX sailing XX/XX/XXXX voyage XXXX ). I made this deposit using Citi Visa credit card on XX/XX/XXXX. 
Cruise was cancelled XX/XX/XXXX due to the current Corona crisis. XXXX stated they would refund. Eventually. 
Citi has now stated that my charged deposit was too old and they were out of the time period for Federal Protections for consumers. I should handle it myself. Nice attitude by Citi. 
I have again contacted the XXXX line but get a recording only. Overwhelmed etc per recording. 
Citi has the charge card commission money and XXXX has my money. 
I am the only one holding the bag.