Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

In XXXX, I sublet an apartment through estate management. Upon moving out, my security deposit was applied to a balance that I allegedly owed. After learning of the charges I found out that I was illegally charged for my service animal. I contacted XXXX XXXX and Informed the manager that I believe I was mistakenly charged for my service animal. The manager told me that she was new and the former manager no longer worked there. She said that she could not find anything about me having a service animal. I let her know that I showed my service animal Identification card to the former manager and that I could also provide it to her as well. Although I provided her with my service animal documentation, as well as XXXX XXXX laws regarding service animals, she refused to adjust the balance. She claimed that I never had information of a service animal on file with the apartment complex. I explained to her that I did in fact provide documentation to the former manager and I that under XXXX laws, even if I am to provide my documentation at a later date, the charges have to be adjusted. She told me that the balance could not be adjusted and it was up to the collection agency. I contacted the collection agency explaining the situation and they informed me that all they needed from her was to update the balance on her end. I called her back and explained that and her answer was okay. She never did it and this debt is affecting my credit. After explaining all of this to XXXX XXXX with documentation, they still did not change the balance.
Complaint sub-issue: Account status incorrect

*The XXXX XXXX XXXX Account of XX/XX/XXXX was paid in full ... by XX/XX/XXXX and charged off ... and do not owe the company anymore ... 
*The XXXX XXXX XXXX of {$390.00} was charged off and do not owe the company anymore ... 
*The XXXX XXXX Credit Card was Charged of in XX/XX/XXXX- {$840.00} and do not owe the company anymore ... 
*The XXXX XXXX XXXX Credit Card is current and in good standing *The XXXX XXXX Account of {$8200.00} was charged off and I do not owe the company anymore ... 
The Company of XXXX XXXX of {$550.00} was never owed anything on any agreement and I contest owing this recovery company anything ...
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, US DEPT OF EDUCATION XXXX, 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 a account without my written instructions
Complaint sub-issue: Account status incorrect

All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX XXXX AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE
Complaint sub-issue: Attempted to collect wrong amount

I contacted Enhanced Recovery Service on XX/XX/22 and asked for a settlement amount and the representative told me they would settle for {$590.00}. I paid the amount quoted to me by the ERC representative. One week later I requested a payoff letter, instead of sending me a payoff letter showing that I have paid the debt in full or satisfied the debt I received a vague correspondence stating that I still owe them {$190.00}. The correspondence letter also reads as if the company has not received the payment of {$590.00}, in which I know it has because the automated system tells me that the debt is paid in full. Bottom line the company will not send me a proper payoff letter.
Complaint sub-issue: Problem with signing the paperwork

Regardless of my tone, I want to say thank you and let you all know that I appreciate you all 's willingness to listen, observe, and correct this matter : As an authorized representative, natural person, beneficial owner, and first lien holder of XXXX-XXXX, XXXX XXXX estate d/b/a XXXX XXXX XXXX-XXXX with a perfected security interest on the birth certificate of XXXX-XXXX, XXXX XXXX, I attempted to conduct business with CARVANA. 

However, CARVANA 's policy forces consumers to use a drivers license for purchase. It seems crazy that this would bother me ; but : the problem is that under the common law, the right to travel is an unalienable right ; and as a natural person, I offered them my right to travel card in place of a driver 's license, which expresses : " The Right to Travel ; The Right to Mode of Conveyance ; The Right to Locomotion are all absolute rights, and the police [ policy enforcers ] can not make void the exercise of rights. State v. XXXX, 60 s. 778, 779, and 781 '' I am using the car as a mode of conveyance for private matters. 

In addition, I offered their legal department my national I.D . pursuant to Title 18 U.S.C. subsection 1028. My National I.D., from an aboriginal government, takes preferential priority over birth certificates and driver 's licences, which are corporate identifications. 

Hear me out : As a XXXX American National, with constitutionally protected rights ; I am entitled to my liberty under the common law ; and CARVANA is in breach of the public trust and international law as it pertains to my rights as a natural, living person. 

Here are the exact breaches : 1. CARVANA 's policy is in breach of Article II of the State of Iowa 's Constitution of XXXX. The state of which my corporation was incorporated in. 
2. CARVANA 's policy is also in breach of the Organic Constitution of XXXX ratified in XXXX. 
3. CARVANA 's policy is in breach of International law pursuant to the United Nation 's Declaration on the Rights of XXXX People, which acknowledges our own forms of identification and the right to self-determination. 
4. CARVANA and it's corporate workers are currently in commercial dishonor as it pertains to the Treaty of Peace and Friendship of XXXX, which allows their foreign workers to conduct commerce here in America. 

Furthermore, I do not consent to the XXXX of my rights. I am not obliged to produce a driver 's license. I also have the proper documentation to live securely with the full faith and credit of the United States of America ; and the UNITED STATES is obligated to secure the common law interests of the people protected by the constitution. 

No matter how many times our constitution was ratified, dissolved, neglected, and abused : First in time, first in right. 

Now : As trustees, I am placing the burden on you all to fix this matter with not only the STATE OF IOWA, but also CARVANA. I'll save the DOT for later. Trust me, this is not only in the best interest of myself, but also all Americans who don't know that they're being abused! I was once ignorant too!
Complaint sub-issue: Account status incorrect

In a certified letter dated XX/XX/XXXX I requested Equifax and XXXX  to delete several accounts from my report. 

Per U.S. Code 1681b ( 2 ), the consumer must provide written approval for an account relating to that consumer to be reported by any consumer reporting agency. I have not given such approval for the referenced accounts. These accounts have used my personal identifying information without my implicit written authorization, which is Identity Theft as defined in 15 USC 1681q ( 3 ).

Instead of deleting the accounts, Equifax merely removed the name of each account but still kept the information on the report. 

On XX/XX/XXXX I called XXXX  to request for certain accounts to be removed, per the above referenced laws. One agent refused to listen to what those laws said and mistakenly said it's not allowed, another said I needed authorization from the creditor, and the 3rd said I needed to submit a dispute for each account. So far, only some accounts from the deletion request were removed from my XXXX  report. Case # XXXX
Complaint sub-issue: Other problem getting your report or credit score

Equifax handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....
Complaint sub-issue: Reporting company used your report improperly

On XXXX/XXXX/XXXX I discovered my credit information had been part of the Equifax hack. I am very concerned for my future now. I was planning on buying a house next year and now I feel as if everything is up in the air.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Complaint sub-issue: Problem using a debit or ATM card

ATM dispute that happened XXXX XXXX casino XXXX last XXXX XXXX, XXXX for the amount of {$700.00}. I did multiple cash ATM withdrawal of {$200.00}, {$200.00} and {$500.00}. Hence my cash withdrawal limit for a day is {$1000.00}, I want to obtain more cash as cash advance from my credit card to cash advance machine requesting amount of {$500.00} but it was declined. Then I tried to lower it for {$200.00} and continuously declined. I received no cash. The following day I checked my online banking and it showed on my checking account of {$700.00} as ATM withdrawal. I then contacted Citi bank customer service and the representative told me that if I did not receive that amount then my account reflect this right away. In short there were 3 dispute transactions of {$700.00} the bank temporarily credited to me while the claim was in process and all of these Citi bank send me letters that transaction was legitimate and they pulled the amount back out of my account that they reimbursed. I feel pretty alone in my fight. If I did receive this amount, I would have just move on However, I certainly did not. Which is why I have invested so much time and been so persistent. You are somewhat of a last resort and I would greatly appreciate any help I could get.
Complaint sub-issue: Reporting company used your report improperly

the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also 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. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. XXXX XXXX XXXX XXXX Bank 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: Public record information inaccurate

Lexis Nexis is refusing to dispute information properly. They are showing incorrect information, on merged information. Refusal to give proof of filing a dispute. Refusing to verifying information they are stating that is correct. Their report number is XXXX I want from them 1. A full, and complete copy of any, and all paperwork. A full copy off all files showing all original signatures, ID, compleat paperwork, and current report.

2. Certified documentation used to verify information.

3. Who the information was obtained by, and where it was obtained.

4. Undeniable proof of fraudulent, and erroneous information on the report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have hard inquiry on my Equifax credit report from XXXX XXXX XXXX on XX/XX/2022 and I have never had a car from there or signed any papers from that facility. I tried contacting the personnel from XXXX who reports to the credit bureaus but havent received a call back yet could I please receive help.
Complaint sub-issue: Account status incorrect

XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX but not XXXX or Equifax and it dropped me over 30 points that it shouldn't have. And now equi and XXXX are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 4 credit inquiries that were not authorized or I have NO IDEA WHY THEY ARE ON MY REPORT. They have made my credit score drastically decrease.
Complaint sub-issue: Public record

I previously disputed a lien on my Equifax credit report that has been paid and is still showing on my report. I have attached the proof of payment of this lien. Please remove this lien from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$9700.00} XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$8800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXBalance : {$3200.00} XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXXBalance : {$20000.00} XXXX  XXXXBalance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding XXXX XXXX via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from XXXX XXXX asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and XXXX XXXX, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( 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 FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX/XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ;
Complaint sub-issue: Reporting company used your report improperly

I created an account with Equifax to view my credit report and credit score. I can see my report ok, but Equifax requires you to agree to their terms to view your score. When reading the terms it says you can opt out of certain data that Equifax shares with its affiliates and non-affiliates, and tells you to click on the privacy notice. When doing that the website takes you to their privacy notice : XXXX XXXX XXXX  In the privacy notice it says if you want to " limit our sharing '' you can go online, or call XXXX. I called, and was sent to XXXX. I talked to XXXX ; he didn't understand what I am trying to do, and said he can't view the privacy notice that I am looking at. Finally he muted himself and wouldn't respond as I tried to explain. I called the number back and talked to another person, a lady, and had the same experience. I finally asked, repeatedly, to talk to a supervisor, and she finally connected me over. I talked to XXXX, and XXXX said they didn't have the ability to do what I'm asking, nor could they access the privacy notice. I told XXXX that I would file a complaint with CFPB, and XXXX said ok. 

I want Equifax to limit the sharing of my personal information so I can see my free credit score. Equifax is not doing that, and is violating the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX, Equifax has refused to remove a Fraulent account XXXX XXXX XXXX. I have previously submitted fraud reports ... im asking this account. r removed immediately under The Fair Crwdit Reporting act
Complaint sub-issue: Information belongs to someone else

Equifax has 30 days by law to respond back they have not done so. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
In your investigation results please prior to debt validation constitutes collection activity. 
In your investigation results please provide the names, addresses and telephone numbers of individuals contacted during your investigation.
Complaint sub-issue: Information belongs to someone else

I have two accounts on my credit reporting that are fraudulent ; 1. XXXX XXXX : I have no knowledge of the account. 

2. Macy 's American Express : Card was stolen and reported to Macy 's AmEx and it was never resolved of the fraudulent charges. 
On XX/XX/2020 called to report the card was lost/stolen ( reference # XXXX ) Follow up on XX/XX/2020 and completed forms for fraud charges. Emailed to XXXX . Followed up again on XXXX XXXX with Fraud Dept.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. 
XXXX XXXX XXXX, XXXX 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 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, Has Violated My Rights. 
15 u.s.c. 1681 section 602A states I have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 : it also states that a consumer reporting agency can not furrnish a account without my written instruction.

15 U.S.C. 1681c. ( A ) ( 5 ) section 5 no consumer reporting agency may not make any consumer report containing any of the follwing items of information.any other adverse item of information other then records of convictions of crimes which adtedates the report by more then 7 years.

15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer related agency if the person knows or has reasonable cause to believe that the information is incorrect.
Complaint sub-issue: Problem with rewards from credit card

XX/XX/2022 I purchased five round-trip airline tickets, using my Citi XXXX XXXX credit card. 
XX/XX/2022 I called Citi customer service to confirm that each of us could check one bag for free because I used the Citi XXXX XXXX credit card. The customer service agent assured me that YES, each of us could check one bag free. She explained that I may have to pay at the airport but to rest assured that Citi would refund those charges. 
XX/XX/2022 we checked four bags and the agent required that I pay for all four checked bags at a cost of {$30.00} per bag. Total charged {$120.00}. 
Three of the four bags could have been carried onto the airplane, but I chose to check them because Citi assured me that I could check up to five bags free. 
XX/XX/2022 we flew back home and did the same thing - checked four bags, paid {$120.00} to the agent knowing it would be refunded per Citi 's assurance. 
I filed a dispute of these charges with Citi. Citi created 8 seperate disputes ( one for each baggage charge ). 
Eventually Citi refunded me {$60.00} for baggage fees on XX/XX/2022. 
I believe Citi still owes me {$180.00} for the other baggage fees. 
I have screen shots of the online conversation with Citi customer service. I submitted this to Citi.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have 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 : States a consumer reporting agency can not furnish an account without my written instructions.