Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX Balance : {$260.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$420.00} JEFFERSON CAPITAL SYST XXXX Balance XXXX {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Complaint sub-issue: Reporting company used your report improperly

My rights as a consumer have been violated multiple times by XXXX XXXX XXXX account number XXXX. 

According to 15 USC 1681 b, there can not be anything furnished on my consumer report without my written consent. 

I did not submit in writing to above said person that they may report anything on my consumer report. 

Also according to 15 USC 1681, I as a consumer have a right to privacy. 

All transactions between myself and above said person are private in nature which should have been kept private, by furnishing information on to my consumer report said person has violated my consumer rights.
Complaint sub-issue: Didn't receive enough information to verify debt

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Complaint sub-issue: Account information incorrect

The credit bureau 's are reporting incorrect information on my credit report
Complaint sub-issue: Didn't receive enough information to verify debt

I wish you have other category. I received a text message from National Recovery Agency. The text message came to my cell phone, which identify my full name and address. 
The problems are following : My phone is XXXX. Cyber criminals could hack my phone. They have my name and address, My phone could be used by someone else. Now, he or she could see message and have my address.. 

Lastly, I do not have a clue what this notice is about. 

I did request to Stop. No reply back.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX XXXX XXXX, This message is in direct response to your reply of my CFPB Complaint. Please explain to me where it " requires '' your organization to make constant follow-up calls and emails regarding delinquent accounts. Under what law or statute is this completely legitimized? My question is of particular interest if I 've called to make payment arrangements. The CFPB has also posted a few key points of interest where harassment is imposed when debts are attempting to be collected. Some examples of harassment are : Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone Obscene or profane language Threats of violence or harm Publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) Calling you without telling you who they are Please provide me with this information, because I do believe if I 've contacted your company to let you know when a payment is being made ( if it 's within 30 days being past due ), that I have the right to be free of any communication from your company. Please also keep in mind that the CFPB posts this message along with the examples above : You can also sue the debt collector for violations of the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorneys fees and may also have to pay you damages.
Complaint sub-issue: Reporting company used your report improperly

Equifax 's poor security practices and mishandling of sensitive data resulted in a data breach that included all of my sensitive financial data, including my SSN, DOB, full name, address, etc. This was part of the hack that occurred over a month ago, which they failed to inform me of.
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 sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following items that you must remove are listed below : 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 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 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: 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  Previous Address ( es ) : 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 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 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 XXXXXXXX, 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: Credit inquiries on your report that you don't recognize

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 


Sincerely, XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

I had a loan with AES and recently refinanced my student loan with another provider. My new lender sent AES money to pay off my loan with them, however the amount AES received was more than the amount required to pay off my loan. My new lender says they sent AES a check for {$12000.00}, but AES only applied {$12000.00} to my loan to pay it off. The {$160.00} difference between those amounts has disappeared and I 've sent many emails to AES but received no response from them at all other than confirmation emails that show they have received my complaint. I believe that AES was overpaid by my new lender and they are refusing to acknowledge me and return the extra money they received.
Complaint sub-issue: Didn't receive notice of right to dispute

I called a debt collection agency ERC for a XXXX account I had found on my credit report in hopes to find out more information. I specifically called and asked for a letter or some form of verification of this account because I believed it to be fraud. The lady I was speaking to did not send me a letter nor did she take my correct information down, she just tried to force me into a settlement for this account I never knew existed.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Account status incorrect

I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXILXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPTOFEDXXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

There is a not permitted this company to check my credit no knowelegge about this company
Complaint sub-issue: Account status incorrect

I opened a credit card account with USBank ending in XXXX. I was the victim of identity theft last year and consequently have an ACH block on my bank account. USBank was prevented from pulling the funds in XXXX because they changed the previously provided Payee ID and that is how I whitelist ACH payments. This change without notifying me lead to the missed payment and it has made it very difficult to buy a house given this situation and the impact to my credit. 

Not only did they wrongly penalize my score with the bureaus, they also haven't report to the bureaus that I have paid this account in full and it is no longer late.
Complaint sub-issue: Old information reappears or never goes away

XXXX accounts are showing paid, closed. This is inaccurate. I believe this is double reporting as I have an active consolidated account with a balance totaling {$21000.00} the same amount the XXXX accounts inaccurately is being reported.
Complaint sub-issue: Attempted to collect wrong amount

Conns has been reporting information that has erroneous I was told by their company not to make payments for 90 days and they would re-find me. So I did not make payments so they begin to refi my accounts and when I receive the refinancing forms I signed them with all rights reserved they did not like the way I sign so they refused my payments from their on and then charged of my accounts I have to know avail been able to reach anyone who could give me any answers basically they have XXXX XXXX me around and our continually reporting information that is erroneous along with the three credit agencies to continue to violate section 609 and not certifying the information to the consumer myself which is disclosures to the consumer under 15 USC statute 1681GA information on the file every consumer report and agencies youll have upon request and subject to 610 A1 statued Merchant store should correct the information by removing it it is not correct it is erroneous and they have put me in an unconscionable situation I believe that the three credit agencies XXXX XXXX XXXX XXXX and XXXX  need to follow the legislation laws on the books as stated earlier pursuant to section 609 in the federal credit act thank you 1681H clearly and actually this close to the consumer basically they need to give me the request In writing and certify it and they have refuse to do that as well this is been a real battle hopefully you folks can help me out thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

This past XXXX I received calls from someone claiming to be from CitiBank " Corporate Office '' and asking me for very detailed information about my accounts and if I did not provide it they would close my accounts. This number was not listed as CitiBank and seemed very suspicious. I called the customer service line for my credit card, the agent stated no information was required. To double check, I contacted Citibank XXXX office, inquiry XXXX. I received a letter dated XX/XX/2020 from Citibank Executive Response stating Citibank has not attempted to contact me to verify information and I should contact customer service as my account information may be compromised. 
On XX/XX/XXXX, All of my Citibank personal and business credit cards were closed without warning. 
Customer service states I did not respond to requests for information so all of my accounts were closed. 
I did not respond because Citibank told me this request for information was fraudulent and did not come from Citibank. 
I have been a Citibank customer for 20+ years with a perfect history, I have a high credit score and a perfect payment history with all of my accounts.

I can not believe Citibank would do this in the middle of the pandemic crisis the world is facing right now. 
I followed Citibank 's advice not to respond to the suspicious phone calls, I would provide any information required had Citibank told me the request was legitimate. 
I request my accounts be re-opened, I have been a loyal Citibank banking, mortgage, and credit card customer for many years.
Complaint sub-issue: Frequent or repeated calls

Received a phone call on XXXX XXXX 2015 from XXXX @ XXXX with caller ID as 'UNAVAILABLE ' Left an automated voice message stating " This message is for XXXX '' XXXX Immediately, I recognized the caller had the 'wrong number ' because no XXXX resides here ) and continued to state, "... this call is not a sales/marketing call. Hunter Warfield is a Debt Collection Agency and advised to call XXXX between M-F ( EST ) XXXX - XXXX When calling refer to number ID : XXXX. '' A return call to the toll-free and local number, each call was answered with the name Hunter Warfield in the greeting. Apparently, they are a debt collection agency. Area code for XXXX is XXXX, Florida. http : //ww2.hunterwarfield.com/ Mailing address for : Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX / XXXX : XXXX XXXX : XXXX
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60  days I would like these accounts removed from my credit Report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When reviewing my XXXX XXXX, I noticed a new hard inquiry from CBNA made on XXXX XXXX through XXXX. I have not registered to have any new accounts opened or made any authorization to do so. Im not even aware who is CBNA. 

Please assist me in getting this removed as this is alarming me. I was a victim of identity theft in the past would hate someone out there is reattempting it.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Report Act XXXX XXXX acount # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  acount # XXXX has violated my rights. 15 USC 1681 Section 602A says I have a right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 All inquiries, I never gave permission to run my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 43 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Problem during payment process

Something is very wrong with your mobile app and your website in the way that it displays scheduled automatic payments. My payment is due on the XXXX of every month. I am enrolled in automatic payments. I had recently changed the amount of my automatic payment as my balance decreased ( it was previously {$300.00} per month but since my statement balance is now less than {$300.00} per month, I revised it to pay my statement balance ). 

Because I did this, I went in last night to ensure that the payment processed. Around XXXXXXXX p.m. central time, I logged in to the app. To my surprise, the next pending automatic payment reflected was going to be paid XX/XX/2022. I then checked the posted payment section and that revealed no payment was posted for XX/XX/2022. This was concerning as there did not seem to be a payment scheduled for XX/XX/2022. I then went to the website to confirm that this wasn't just an app issue. The website, too, reflected that there was no posted payment and no pending payment for XXXX. I have a perfect payment history and did not want to incur a late fee or any other penalty, so I scheduled a manual payment to be paid XX/XX/XXXX in the amount of {$300.00}. To my surprise, when I logged in this morning, an automatic payment posted on XX/XX/XXXX in the amount of {$230.00} and my manual payment of {$300.00} that I scheduled is in the " Scheduled '' section and not the " Posted '' section. 

This makes no sense as the automated payment of {$300.00} was not reflected anywhere in my account on XX/XX/XXXX, neither as a pending nor a posted payment. It appears that this payment goes in to some kind of " limbo '' bucket where it is neither a posted payment nor a pending payment. This is a UDAAP violation. This is unfair and deceptive, as it caused me to make an additional payment to you that I would not have otherwise made. I could not have reasonably avoided any of this as your systems did not reflect any pending or posted payment as of XX/XX/XXXX. 

Screenshots 1-3 were taken at approximately XXXX p.m. on XX/XX/XXXX, and Screenshots 4-5 were taken the morning of XX/XX/XXXX. Please refund my payment in the amount of {$300.00} and fix your systems so you can see that there is an automatic payment pending the day that it is scheduled to be paid!