Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

On Mon, XX/XX/2019, XXXX called me at XXXX XXXX they did not leave a message. Upon leaving work for the day I decided to call the number back in case it was business. It was a company collecting debt, who did not inform me who they were unless I identified myself, XXXX said she can't tell me who they are and its just a debt! I couldn't get any information but it was a debt, then she hurriedly said LJRoss, unless i verified my DOB I couldn't know anything else., I did and she then proceeded to say that I owed XXXX {$360.00} and how was I paying? I said I wasn't and that I needed some form of letter from XXXX to say I owe you. This is the second time ( this year ) someone has referenced this account without saying I had a right to dispute or even allowed to clear it with XXXX. So they have an account and asking for someone who NEVER has let me know a third party has the account, nor has the responding debt collector acted on me asking for verification to the debt by letter. This LJRoss has not sent me any information in the times I have told them to do so. I cant give you an account number or anything as I do not have anything related to this company.
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX/XXXX/2017, I discovered an XXXX charge on Discover online statement for a membership. XXXX had contacted me for months stating that the credit card on my account with them was no good. But, I did not sign up for any membership. And, since they do not have my credit card number to charge to, I did not bother to respond to their emails. Out of my surprise, XXXX was able to charge on my Discover credit card. Here 's my problem with Discover -- why would Discover give XXXX my credit card number? I did not give authorization for XXXX to charge my credit card. In fact, they did not have my credit card. But, Discover gave it to them and let them charge me. Discover should not have approved the charges. It was not an authorized charge. XXXX had this marketing tactic that was forced onto me. I called Discover and asked them to freeze my account so that no one can charge, but the representative did not do that. The representative asked me to call XXXX -- to find their phone number and try to settle it with them. I should not have to do anything if Discover did not share my credit card number with XXXX.
Complaint sub-issue: Information belongs to someone else

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have never heard of Afni. I do not have a contract with Afni. They keep calling my phone and my husbands phone multiple times a day. I answered and asked them to stop as I dont know who they are and asked if they would quit harassing me. I asked them to send proof that I have an actual contract with Afni and have not received anything. They are causing me stress and wish they would stop.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not keep its system secure and my personal credit information was stolen.
Complaint sub-issue: Account status incorrect

I had a previous acct with Conns ... with my payment being due the XXXX of each month. I went into the store early XXXX to add to the account. The Salesman said the old account would be paid off and a new acct opened. He told me to not make the XX/XX/XXXX payment as my new payment for the new loan would be due XX/XX/XXXX. I took his word as i have done this before with a prior loan and everything went ok. Within the 2 weeks after i made the new purchase i rec 'd my coupon book showing my new payment and new due date. However, i started receiving emails that my payment for my old acct was delinquent. I immediately called Conns and disputed. My acct was in review to be closed out. Fast forward to today XX/XX/XXXX, Conns has reported me late and my scores have dropped 100 points ... 2 Conns accounts show open on my Credit report which has is double what i owe them and shows any new creditors that i have too much owed. I have repeatedly called Conns to have the old acct closed out. I just looked at my acct ( old ) on their website, and it shows i have 3 payments due, and it appears they might report me 60 days late. This has been very stressful for me as I am cleaning up my credit and have worked hard to pay my accounts on time..I had 100 % good payment reporting and now i have an unfair delinquency showing up onXX/XX/XXXXand XX/XX/XXXXXXXX I have disputed but i am impatient. I want to buy a new vehicle but with my now XXXX XXXX XXXX no one will touch me ... I need the old acct paid off and the delinquency reversed on my credit reports
Complaint sub-issue: Other problem

I contacted CitiBank regarding a fraud alert on my Sears XXXX on XX/XX/22. I was asked to provide a phone number so I could receive a call back. I gave my phone number and never received a phone call back. I called back and was told my number was not verified. They would need to mail a letter. My contact information is current on my account, including the phone number that I gave them to give ma call back. Still nothing. My account is locked and I have to wait for a letter in the mail.
Complaint sub-issue: Information belongs to someone else

I am disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX Bank and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct suite number showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed account.
Complaint sub-issue: Reporting company used your report improperly

Hello. This is not filed by a 3rd Party or a XXXX XXXX XXXX. 

I just received a copy of my Credit Report and there are some accounts that violate my rights. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights under 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.

Please provide me with 4 pieces of information regarding all of these accounts below.

1. The Original Contracts of these accounts with my signature on it.

2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts. 

4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 


XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX stated that the payment for XXXX was never received, however XX/XX/XXXX a payment for the entire amount of the loan was sent. We did a buyout of our lease only to find out they would not except the payment. They did not send the money back to the loan company for almost 2 months even though I kept calling XXXX to send the money back. I was under the assumption the account was paid in full which is why no payment was sent. As a matter of fact because the account showed no balance I did not have the option to pay anything because there was nothing to pay. The account was reopened by XXXX after 2 months before the money was given back. It is not fair to say I dont pay when I didnt have the option to pay because there was no balance. I am attaching the response from the finance company as proof.
Complaint sub-issue: Reporting company used your report improperly

Credit reporting company and hospital ( XXXX Hospital ) is reporting medical information without my consent/authorization, in clear violation if HIPPA regulations. 

I am requesting credit reporting agency, debt collector and alleged credit to immediately remove my medical and related information immediately,
Complaint sub-issue: Old information reappears or never goes away

I attended XXXX and multiple students unfortunately we're stuck with the scam of three advisors who implemented loans and sign for them that WE THE consumer were stuck with. 
They investigated and reported it wasn't mine although I had to report TO NELNET for 3 years, proved I am XXXX, not working, they kept selling it, transferring it, Finally issued paid off, but it keeps reappearing as open, transferred, Duplicated 3 times on my report and or paid by Nelnet XXXX Department of Education several times on my credit report. I disputed, they sent DELETED, but it's still there. I have sued them three times already, & Won, and it says it's removed from my credit report but there is duplicate copies and a third one on there which they refused to remove from about 7 years ago. 
I'm tired of begging for something that never mine from the start.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is in direct violation of my CONSUMER RIGHTS! On numerous occasion I've spoken with representatives to have inaccurate accounts removed. I spoke with XXXX and she informed me the items would be removed with 24 hours. That was not the case so I called back and spoke with XXXX who reassured me the itms would be removed in 48 hours. To date the inaccurate accounts are still on my Consumer File. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX closed Credit Card acct ending in XXXX. 
In light of recent investigations brought upon Equifax I find that my consumer file is being irresponsibly tampered with. I've made several attempts to remind their company of your duty pursuant to XXXX5 usc 1681. It appears they're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( b ) assures that I am due, promised accuracy in my report based on Federal Law. 15 usc 1681 c ( 2 ) BLOCK of information resulting from Identity theft is my RIGHT AS A CONSUMER. Reporting of these inaccuracies is hindering my HOUSE BUYING process.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX IN violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX IN is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX IN has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 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. XXXX XXXX XXXX IN has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 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 XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

unknown debt was places on my credit report XX/XX/21. received harassing calls, ruined my credit. please help & remove
Complaint sub-issue: Deposits or withdrawals

When I called Ally, the company holding my CD, I was interrogated to establish my identity.  But the questions varied from the usual.  After ginving my mother's maiden name, and all the other usual identifiers, I was asked to identify "XXXX"  something or other.  When I responded that I had no idea what they were talking about, they demanded my social security number, to which I told them I only gave to medical or social security employees.  We had a brief exchange where I gave theme the legal reasons why they could not use my number for their purposes, and suggested they use the same questions the other eight financial institutions used with my accounts: either my birthdate, or the Ally account numbers they had given my account.  I was told no.  UnlessI gave them my number they would not respond in any manner.  Although I had calledoriginally to verify that my instructions regarding federal withholding were being followed,this made me extremely suspicious.  Especially since I had become acquainted with Allyonly through their primary business:  aurto financing at dealerships, with no local addfressat all. I told them that their lack of cooperation required me to close the account and getan immediate refund of funds to put into another bank. They laughed.
Complaint sub-issue: Debt was result of identity theft

I fell for a student loan scammer, it was my first time applying for a loan and I gave the scammer all of my information, social, bank information ( password/ password ) social, address and phone number, I'm a XXXX living in california and I received debts from discover and I called them and told them and I filed a identity theft with the XXXX, they open the credit card since 2017 and been using it using my address, I added an identity theft on my credit report when i found out, Discover even send a lawsuit notice to my house, I'm XXXX years of age and I only had one credit card because I never really had a job and my mom is supporting me, {$4000.00} something dollars on my name, my credit is destroyed because of that, they kept saying it is valid because my information is used, which i kept telling them it is not true, they sent me statement none of which was made by me, I need this resolve beca and I recently just got approved for {$300.00}, one is close and one is open use of this i can not get a student loan or any good credit because a XXXX  scammer decided to ruined me and discover will not help at all I even keep the scammer number, which is XXXX this is not fair, I never thought to check my credit because I had to learn that when I unexpected started receiving debt bills and calls from discover
Complaint sub-issue: Frequent or repeated calls

Never give info on what they want and keep call harassing my family
Complaint sub-issue: Their investigation did not fix an error on your report

contacted credit reporting agency regarding incorrect items reporting on my credit file and credit agency informed me that items were correct without providing any proof or how they reach that point
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXBalance {$390.00}
Complaint sub-issue: Can't close your account

I have been reaching out and requesting my {$500.00} deposit back since XXXX of this year. I first made this {$500.00} deposit on XX/XX/XXXX and never received my card, after calling repeatedly, and confirming my address every time and having the representative read it back. I waited the 3 business cycles after giving up and requesting my account to be closed due to completely loosing my trust company. It is now XX/XX/XXXX and still no deposit back. I called today and spoke with a XXXX who informed me that the check was mailed on XX/XX/XXXX, a month ago and still nothing has received. XXXX informed me he would file a complaint on my behalf and told me to reach out in 5-7 BD to check on the status. I just do not understand why this is not being sent with a tracking number that can be provided to me so I may track it myself.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. XXXX and Equifax continue to post 90 day lates each month from the company. In addition, the close date is only shown on XXXX  and not XXXX or Equifax. The date of last activity is listed as XX/XX/XXXX on Equifax and XX/XX/XXXX is shown on XXXX XXXX  doesnt show anything. Equifax and XXXX do not show a high balance but XXXX does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.
Complaint sub-issue: Company closed your account

Reference to Complaint ID XXXX. Please find additional documentation regarding my complaint to XXXX XXXX. 

Receipts for payments for the safe deposit box attached made in XXXX and in XXXX. XXXX XXXX legal department advised that the contents would be secured until the court closed the voluntary administration of the estate. 

It is incomprehensible that the bank disposed of a safe deposit box contents while the court was handling an estate.
Complaint sub-issue: Public record information inaccurate

On  XXXX   XXXX ,  2017 , I was checking my credit report and saw a hard inquiry fr om CBNA ( Citibank of North America ) Last Reported  by  XXXX   XXXX   XXXX ,  2017 . I did not apply for a credit card from cbna or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my  credit score better and do not need companies do hard inquiries into my credit history without my permission.
Complaint sub-issue: Account information incorrect

Equifax is reporting that the first major delinquency on my XXXX  XXXX account was XX/XX/XXXX. I settled the account in full on XX/XX/XXXX. The first major delinquency was XX/XX/XXXX and the last payment date being reported by the creditor is XX/XX/XXXX. I have attempted to get this inaccuracy corrected since XX/XX/XXXX to no avail. I have made multiple disputes of the information. XXXX  is reporting the information correctly, Equifax has the dates inverted. This has caused me to be denied credit increase, pay higher insurance premiums, and get a higher interest rate on my mortgage applications. 

Additionally, I have disputed an authorized user account appearing on my credit that I was not aware of. The account was removed but Equifax continues to report a late payment that I am not responsible for nor had any knowledge of.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have finally gotten the opportunity to pull my credit report and I noticed that there are a number of fraudulent inquires on my credit. Names used to pull credit report that are not in anyway associated with me. I also noticed addresses that I do not or have not lived at. I would like these items or things removed from my credit report. Please any assistance would be greatly appreciated.