Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to sue on too old debt

I owned a credit card from XXXX XXXX XXXX that I defaulted on. The account was closed by XXXX on XXXX XXXX, XXXX. Since then, I have been steadily contacted to the point of harassment by Main Street Acquisition Corp, represented by XXXX XXXX XXXX. XX/XX/XXXX, I was served with court papers to which I responded noting their lack of proof of the debt as well as my inability to pay. Over the ensuing three years, I 've been asked to produce documents relating to the debt that XXXX would 've provided them if they 'd bought the debt. Furthermore, there is no record on my credit report of XXXX selling the debt to Main Street. They have now obtained a court date for this case. As the debt is now five years old, I am sure this is inappropriate.
Complaint sub-issue: Account information incorrect

Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extentension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or service on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove theses transactions from my credit report immediately as they are a violation of my rights as federally protected consumer under title 15 chapter 41.
Complaint sub-issue: Problem getting report or credit score

reporting agency can not find/locate my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously reported as well notified XXXX XXXX of errors on my report and supplied them with documentation letters court orders vas well updated my consumer statement Registered Letter XXXX XXXX XXXX XXXX XXXX XXXX asking them to remove XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$4500.00} and XXXX XXXX I supplied them with Divorce Degree as well notified them that XXXX XXXX is reporting in error and there Contact on profile not to be valid as well attached returns email on bad contact I also asked for a full updated report with new address as well to remove inqireiers dating over 2 years to date XX/XX/2022 my record reflects the same as well that have not got me my updated report and or remove dispute dating of 30n days XXXX is acting in bad faith and not following Federal guide lines
Complaint sub-issue: Debt is not yours

I received repeated call from a company that shows on my phone as Conn 's XXXX XXXX. 
They ask to speak with someone who has never lived at my address. I have told them this and they continue to call and harass me daily. The last call was this morning around XXXX XXXX. 

They insisted that I tell them if my number was recently changed and how long I've lived here. I'm pretty sure I don't have to provide them anything, as I don't owe them anything. They stated that the calls will continue since I won't answer these questions.
Complaint sub-issue: Information is not mine

This agency is reporting my employer as XXXX - this is incorrect, remove the information at XXXX! I am employed by XXXX XXXX and I DO NOT WANT THIS LISTED.
Complaint sub-issue: Investigation took more than 30 days

These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others. I WAS NEVER 60 OR 90 DAYS LATE ON MY XXXX XXXX. HERE IS PROOF FROM XXXX SHOWING I PAID. UPDATE TO " PAID AS AGREED '' NEVER LATE
Complaint sub-issue: Didn't receive terms that were advertised

Citibank offers a promotional bonus for meeting certain requirements upon opening a Checking account. I have met these terms and they are now claiming that I did not meet one of the terms. I have deposited the required amount ( {$15000.00} ) to receive the bonus ( {$400.00} ) within 30 days of account opening. Citibank now claims that the deposit was supposed to occur within 20 days. This is clearly a fraudulent claim. Every bonus offer they have made in the past or present has provided one with 30 days to make deposits. It appears that they are trying to scam me of the bonus by arbitrarily changing the requirements after the bonus is due.
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due and the property has been sold and this account has been settled. I have attached pages 3 and 4 of the court ordered settlement ( Divorce Decree ) which clearly shows that this property no longer belongs to me. This incorrect reporting is harming my  credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Complaint sub-issue: Funds not received from closed account

Citibank close my account XX/XX/2021. I went to citibank after that and they told me they are mailing my balance in check which should be received in 7-10 business days. After 10days I went back to citibank and they told me, it'll take one month. After 1month or almost 3months now I went back to citibank again and they told me they can not release the funds because it's too big. The amount is XXXX. My checking account is been close since XXXX and they can't release me my check and nobody seems to know what's going on. I tried to call the fraud department but they tell me to go to branch and I've been doing same thing over and over. I also need to change of address to my new house XXXX XXXX XXXX XXXX XXXX ca XXXX but they not letting me because they Said the account is close.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).
Complaint sub-issue: Problem making or receiving payments

Step 1 : What is this complaint about? 

I tried to link my pnc bank account to XXXX XXXX. 

Step 2 : What type of problem are you having? 

But I got a message : pnc has made a change that prevents you from being able to link your accounts Step 3 : What happened? 

The page prevented me from going any further and referred me to consumer finance site. 

Step 4 : What company is this complaint about? 

XXXX XXXX. 

I tried to link my XXXX XXXX account earlier and was rejected when it was time to link accounts then too.
Complaint sub-issue: Information belongs to someone else

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/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 BANK XXXX XXXX XXXX XXXX
Complaint sub-issue: Add-on products and services

I have had my Best Buy card for about 7 years. I did not sign up for debt protection and I have been charged for this service since around XX/XX/XXXX until XX/XX/XXXX. I have asked for a refund at the end of XX/XX/XXXX for all of these fees I never agreed to and I keep getting the run around. The dept protection people tell me its Citibanks decision and Citibank tells me its the debt protection. I received 3 generic letters that assure me the service has been canceled but nothing addressing my refund. I have called dozens of times and I get the run around every time. I have asked for signature proof showing my approval for this service and still have not received anything.
Complaint sub-issue: Debt was paid

I owed a debt to Citibank which handed the debt over to XXXX XXXX. XXXX took me to court back in XXXX and was awarded a judgement of {$5900.00}, and I have been making {$80.00} a month payments ever since. On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX and I was told the debt was given to them. I paid {$2000.00} and was sent a letter stating the debt was settled. I received letter from XXXX on XX/XX/XXXX, from their attorney XXXX XXXX stating that I owed {$1900.00}. I don't recall the exact date but I called and explained that I paid the debt off and sent them a copy of the letter stating it was paid in full. I received another letter on XX/XX/XXXX from XXXX XXXX stating that I still owe the debt and they never authorized any other agency to collect. I called Citibank to explain what happened by they just directed me to XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, DE 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: 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  and XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I am a service connected, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the XXXX XXXX XXXX has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. 
CITI XXXX Date Opened : XX/XX/2016 Balance : {$5600.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX and Credit Plus, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.
Complaint sub-issue: Debt is not yours

The collection that AFNI is trying to collect is {$250.00} and the original creditor is 11 XXXX XXXX. Previously this month thus collection was disputed by the original creditor and it was dismissed from my credit report only to reappear weeks later as an AFNI collection. I would like this removed as well as I didnt own the original debt so therefore do not own this debt.
Complaint sub-issue: Banking errors

Account was hacked and depleted. I contacted US bank and they investigated and said they wouldnt do anything. XXXX was used to withdrawl {$130.00} out of my checking. Then XXXX was used to withdrawl {$130.00} from savings then once those cleared XXXX was used to withdrwal {$3000.00} from savings clearing me out completely. I have never used XXXX ever. I told my bank that I never authorized this and there should be some protection for this activity. The fraudulent user went under a name of a XXXX  XXXX XXXX XXXX. I asked US Bank that they should have some sort of fingerprint of the transaction and we could be able to go to that user but they said they would not assist. They said everything was done on a device they recognize. I have filed a police report. Im not sure what else to do. There are reported issues with XXXX and scammers but my bank wont do anything to assist me.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 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: 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  acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all. 

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.

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB.

Thanks in advance
Complaint sub-issue: Debt was paid

I settled the debt of {$730.00} with the previous collector. It seems they sold my information to another collector, and this has reappeared on my credit score. This practice of selling paid debts to another collection agency is unethical and illegal.
Complaint sub-issue: Didn't receive enough information to verify debt

After months of requests to ICS, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.
Complaint sub-issue: Their investigation did not fix an error on your report

They have not removed chapter XXXX/XXXX Bankruptcy from my credit report Equifax/XXXX
Complaint sub-issue: Inadequate help over the phone

I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.
Complaint sub-issue: Attempted to collect wrong amount

XXXX. Not my account. 

This situation has been ongoing for so long, I do not even know when it began, but do know that I am very ill and XXXX at the time and over XXXX. 

I could hardly believe I received another collection letter recently, thinking after speaking with XXXX a few times, that per them, all was corrected. I have had the same phone number for many years, 14+. I started getting billed first from XXXX and then the collectors. 

The statement amount if for {$470.00}, dated XX/XX/2017, which was sent with the collector letter. I.C.System, account # XXXX, ref # XXXX. {$94.00} of this amount is for a collection charge. 

I realize one could talk until they are blue in the face with people like this to no avail. Well, I buy cheap phones and keep my bill down. I do not know how this occurred, but want the harrassment stopped.
Complaint sub-issue: Investigation took more than 30 days

I have reached out to the credit bureau about several inaccuracies on my credit report. Based on the FCRA these inaccuracies must be validated or removed within 30 days. 

I have not received a deletion nor any documents that I have personally signed to represent anything validate on my credit report.
Complaint sub-issue: Received bad information about your loan

I attended XXXX University and during my studies at XXXX, there was an outstanding debt owed to them. When I left XXXX I provided adequate and precise forwarding mailing information of which they failed to capture. 2 years later I realized there was an outstanding amount of XXXX dollars and the school charged me and extra XXXX dollars of late fees assessment due to a negligence on their behalf for not capturing the correct mailing address. When I found out about this year I added it to my current loan provided then new information and in return they were suppose to give me a default letter clearing this matter. They have supported and email identifying receipt of the funds from a government loan institution and yet they refuse to give me a clearance letter knowing that I need to begin classes XX/XX/XXXX. I am really upset that my semester will be delayed because they simply are upset that I wrote them a very strong email identifying there error in managing this situation. I hope that they understand the ramifications and jeopardy they place me with on an educational stand point. They can easily give me a default letter but they seem to want to not help and have me miss my semester with the new school.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to investigate inaccurate accounts on my credit report, and respond within 30 days. They have not done so.
Complaint sub-issue: Didn't receive notice of right to dispute

my credit score was dropped by 100 pts due to a fraudulent/identity theft XXXX account. I disputed the claim and never recieved any notice and never heard back from the agency. A new debt collector assumed control of the fraudulent debt and never sent me any notification about reporting the claim to the credit bureaus. The debt company is NRA debt collectors.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It appears to be a few inquiries on my credit report that i am unaware of, it appears that someone utilized my social to potentially get credit cards, and or auto loans under my name. 

XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Please investigate this as it violates my consumer rights as these inquiries are obsolete and in accurate.
Complaint sub-issue: Personal information incorrect

I have multiple addresses on my credit profile and phone numbers that need to be deleted due to possible fraud and or identity theft
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Complaint sub-issue: Debt was result of identity theft

other XXXX DSNB MACYS XXXX XX/XX/XXXX {$1200.00} credit card XXXX XXXX XX/XX/XXXX {$0.00} credit card XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$5700.00}
Complaint sub-issue: Information belongs to someone else

They petitioned for a loan with incorrect information going as far as fabricating a job and income I did not have. Information was not correctly reviewed nor shown to me. I was unemployed and the loan was supposed to go under employed boyfriends name who is not even on the loan. I tried explaining this to the owner, but he would not work with me. I was advised to make a complaint with the federal trade commission as well as attorney general.
Complaint sub-issue: Card opened as result of identity theft or fraud

In XXXX I closed a Best Buy Citibank account that was inactive for years. 

In XX/XX/XXXX, I recieved a bill in the mail for {$XXXX}. I immediately contacted CitiBank and told them that I did not open this account, and the charges on it were fraudulent. 

The email and address used for the new card are not my email, and it is an address I had not lived at for months. 

After their investigation, they said I was still responsible for the charges because it was purchased at a store " Within driving distance ''. 

XXXX  times I have requested another investigation, and they have opened/closed with the same results.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.