Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

I had three credit cards with XXXX XXXX going back to XXXX in various credit limits : {$300.00} business XXXX, {$1200.00} XXXX and {$2200.00} XXXX. In XXXX, I was notified about an alleged security issue and all card numbers would be changed and new cards issued. I never got replacement cards or statements-only call that indicated that between XXXX and XXXX the balances in all three skyrocketed over the credit limits. Before that, I could not charge even {$1.00} over the limit. I started making civilized phone calls about the lack of explanation, continued to pay on what the previous balance was until XX/XX/XXXX when I had to stop. The accounts were not closed and I could not get cards until the alleged debts were paid. I finally got the accounts closed by a foreigner. The accounts showed balances over {$4000.00}. They were ultimately charged off. Then in XX/XX/XXXX, I got a welcome notice from XXXX about my new {$3000.00} credit limit account-accompanied by no card and balance already over {$2000.00}. I reported this to the newly formed CFPB. XXXX XXXX employee XXXX XXXX informed CFPB that she had indeed opened a new account with high credit limit to improve my credit score. I never heard back from CFPB about the legitimacy of a company opening unauthorized credit cards with no card and strong arming for illegitimate debt. However, in the meantime XXXX XXXX was hauled before Congress for doing the same thing-opening fake accounts. I just have tried to refinance my home mortgage at 8.3 % since XXXX to find the fake XXXX XXXX charge off back on my credit report. The statue of limitations in XXXX for collecting is three years. Equifax is defending it allowing this on my report 5 years later and explains, after over three hours on the phone, transferred to 7 people in three countries, that this WILL remain on my credit report 10 years. Completely talking over me, the investigative branch in XXXX for Equfax puts me on music after the three hours of abuse. My second attempt at refinance this year was denied because of this. Just taken off Eqifax was a phony second mortgage from XXXX ( XXXX ) that doesnt exist anymore but was showing as current-for the same {$140000.00} home totaling over {$260000.00} mortgage payments. That huge debt for someone with my limited income tanked the first refinance. The double mortgages still appear on XXXX ; the XXXX XXXX alleged debt appears on XXXX  again along with a debt collector XXXX XXXX with fake address and phone number ). XXXX XXXX did not provide a phone number and gave a XXXX XXXX XXXX address for this XXXX XXXX account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # 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: Problem with customer service

XXXX XXXX has been very difficult to deal with! My dad took loans out on himself and paid off two of my three student loans. The second loan we paid off, XXXX XXXX added a charge of {$5.00}. We paid that amount just so we can clear the loan. After I contacted XXXX XXXX and they claimed that the amount was a mistake and will put that amount paid towards the loan that still has a balance. I also got an email saying the loan is paid in full. One week after, instead of removing the balance from the loan as they were supposed too, they added the {$5.00} to the loan that was paid off again! Also, they still haven't sent us a statement once we paid off two loans ; which we requested about three weeks ago. Please help us, we are beyond frustrated by dealing with XXXX XXXX and their customer representatives.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/2021 XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX
Complaint sub-issue: Account information incorrect

Account is being reported as late and delinquent when I am prepaid for years. I’ve been making big payments to get these paid off, and currently show no balance due. However, my most recent credit report shows me as 90 days delinquent on these accounts.
Complaint sub-issue: Attempted to collect wrong amount

This was a 90 days same as cash. When this account was open they double charged me and when i made a payment on time before the 90 days were up they still charged me the full amount. I have tried to communicate with them but customer service refuse to listen to what i have to say. This was a big mess and the result is that they have put this on my credit report. 
Also...

n accordance with the Fair Credit Reporting act XXXX Account # 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: Fee problem

This problem has been going on for years and the employees have been disrespectful and unprofessional. I have said to them don't give me a courtesy refund fix the problem but they insist on giving me a courtesy refund. The problem still exists and now they are saying the only option was a refund. They have been moving the transactions, withholding debt card payments and then assessing fees, transactions that never were pending on the account. They are added to the account with a fee over a week later. A merchant fraudulently submitted a request for payment with my wife 's stolen debt card information and we followed the procedure and the bank still paid the merchant and refused to give us the proof they provided to show the transaction was not fraudulent. I have been monitoring my account and I see the bank has the ability to move the transactions around to fit the window so that they can claim the transaction was late. Just recently they added the fee amount to my account and then added the fee. I feel that I have been discriminated against by the bank and it's employees.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Investigation Request Letter To Whom It XXXX Concern : I received a copy of my credit report since I have been receiving several calls from lenders saying that someone is trying to open bank accounts in my name. And I notice that there are some inaccuracies on my personal credit reports. And I recently read that the Fair Credit Reporting Act gives me the right ( by law ) to challenge anything that is not 100 % accurate on my personal credit report. 

Now I am asking for a FULL INVESTIGATION and PROOF from the account holder XXXX XXXX to show how I was late for the months of XXXX, XXXX, XXXX, and XXXX of 2019 when I had applied for refinancing but kept making payments. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof then these XXXX XXXX ( XXXX ) accounts must be deleted. So, I am requesting them to be deleted because they are NOT 100 % accurate. So, could you please investigate and get back to me? I know from reading an FCRA lawyers site that you have 30 days to complete this investigation. 

Again, investigate these accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$15000.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$9500.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Can I get an updated report after your investigation? You can use the above address ( same as my ID ) Thank you for your time and help XXXX XXXX
Complaint sub-issue: Account information incorrect

These companies have reported incorrectly to my credit reports for years. Theyre only reporting negative information. It is a violation of the federal fair credit reporting act to discriminately report ONLY NEGATIVE INFORMATION!!!!!!!!! I have filed multiple complaints, multiple disputes and theyre response NEVER EVER EVER ADDRESSES THE COMLAINTS OR THE DISPUTE, and comes in the form of a form letter that says what theyre reporting is correct! How is this legal and how is the ok to do to people? This has got to change or I am going to the attorney general, and my state officials. The CFPB has done nothing to assist in the matter as well so as an exercise in futility and to improve my finger to screen speed, here I am filing yet another complaint against these companies. If it has not been stated clearly yet, the companies ARE DISCRIMINATELY ONLY REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORTS! Do I need to cite the actual law regarding this or do the cfpb and the people who receive the complaint at the creditors office actually know that this is not legal and violates the law?
Complaint sub-issue: Old information reappears or never goes away

All credit bureaus are reporting all my medical bill information on their/my credit reports. This is a violation of HIPAA laws.
Complaint sub-issue: Attempted to collect wrong amount

Americollect fails to show me what i owe them or my medical provider for. I have asked for proof of debts and have only been told the balance of the current account and that it came from a medical provider, upon checking my credit score it shows 3 accounts from americollect in collections. All are above 350 dollars per account. When I check americollects online sight I do not see these same XXXX collections on my report but a plethira of small collections accounts I supposedly owe to them. I am not sure which accounts are true to me actually owing them, especially since the credit report and there account site dont match.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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: Debt is not yours

In 2017, I was renting an apartment from XXXX XXXX. I was never delinquent on payments and I vacated the premises upon completion of the lease. Upon vacating, I requested a walk-through and was told the premises was in a satisfactory condition. XXXX never notified me of any additional monies owed. Approximately a year later, I was contacted by XXXX after I submitted a request for the reimbursement of my security deposit. XXXX declined. I immediately notified them that I disputed any monies owed and that they could seek judicial intervention in small claims. Specifically, I advised that I was officially negating their allegations of any debt owed and that they need to pursue litigation without allowing interest from the alleged debt to accrue. Almost 6 years later, I learned from XXXX that a third party had acquired the debt collection. I was never notified by mail or otherwise that I would be sent to collections. I vehemently deny any debt owed and also affirmatively assert that their failure to notify me of any debt or transfer of debt has unduly prejudiced me by denying me due process.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : # XXXX, XXXX 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 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: You never received your bill or did not know a payment was due

I have been trying to have the right amount, address and credit card info to pay Macy back since 2015. I've researched and realized that I'm not the only victim to Macy 's poor practices dealing with their credit card. Due to their inability to have correct and timely financial information, I disputed. However, they put it as delinquent and no one was ever able to help rectify to make me whole. Finally, I wrote the XXXX, XXXX XXXX of Macy 's to see if he can help. Again, they missed the mark of understanding that they failed to provide the accurate amount, account information, credit card, disclosures and address to send payment. Because of their deficiencies, I was unable to pay. I didn't even have the account number! I have spent no less than 50 hours trying to fix this over the years. Even now, I resent a note a couple months ago. Still same back and forth with no accountability. This is quite deceptive. They should not offer credit cards if they don't know how to manage the business. 

Below is the letter that I sent. 
XXXX Dear XXXX, I can appreciate what you're doing for Macy 's and trying to sustain the business during this challenging time. 

This is why I'm reaching out to you at this time. I'm thinking that you can help me fix this. For +/-4 years, I have emailed and mailed notes to customer service addresses in OH and executives XXXX XXXX and XXXX XXXX to fix my credit situation. Now, I'm trying to refinance and there's a big black mark on my credit due to the inadequate processes in Macy 's credit card and customer service departments. 

Here 's the deal - I have about {$300.00} that I owe which I can easily pay - but as a finance person, I would like to have the exact amount and bill that I should pay. No one - has been able to produce this for me. I've been harassed by your customer service people, been hung up, insulted and now chased by creditors because of the poor processes and infrastructure set up by Macy 's credit card business. 

I signed up for a credit card at the store to receive a discount. I never received any paperwork or credit card, which looking back seem to be a poor on boarding situation. I kept my receipt and returned a few items. Months later, I finally received a credit card with a late fee and interest charges. I called customer service and got bounced to the XXXX, another country, back to US and back to XXXX. I made multiple attempts to get the final amount, minus all fees and interest charges and minus returns. Also, I needed the credit card statement. I believe, having worked in banks for 20+ years, this is a reasonable and minimum requirement for any financial services company. 

My ask - please send me the summary which includes the original purchase, minus return, minus interest fee and any excess fees. Please provide the account number and address so I know where to pay the check. Please do this as soon as possible because I need to refinance ASAP in this horrible market. 

Best wishes to you and your family. 
Thank you for your help.
Complaint sub-issue: Old information reappears or never goes away

Pursuant to a previous dispute that my Student Loans are being reported twice. XXXX states that they purchased my student loans yet if XXXX purchased my student loans in XXXX why are my Student Loans showing listed via all XXXX credit reports by the NELNET and show my student loans as active and pass due from XXXX. If my student loans were purchased by XXXX my student loans should not be listed by the Nelnet making it look as if I owe twice more than what I should, such that NELNET should remove all occurences of past loans from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with XXXX/XXXX AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY CH-XXXX ref # XXXX. Item has been withdrawn last XX/XX/XXXX,  my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.
Complaint sub-issue: Account status incorrect

I have called and tried to resolve these late payments showing on either of my CITI accounts. I was in deferment due to COVID and they are violating the CARES Act.
Complaint sub-issue: Keep getting calls about your loan

Received a phone call from XXXX ( XXXX ) XXXX about renewing my income driven repayment plan with XXXX, which I have not done so forXX/XX/2018 so this made sense I would receive such a phone call. I called the number back, they asked how much debt I had, income, dependents, family size etc, with no verification, correspondence in the mail, or any such preliminary warning of renewal. I was then asked to remit payment of roughly {$270.00} at the time of the phone call in order be placed into the new plan. Red flag number 1, my income has nearly doubled in the past year, and they want to cut my payment in half? Ok ... .Next red flag was when I asked for a letter explaining the program and its features and cost of interest etc to be mailed to my home, they said nothing is done via mail and I also can not remit the payment via XX/XX/XXXX, it had to be over the phone and that they are not associated with XX/XX/XXXX. A third red flag, no introduction or name of the representative helping me. I work at a bank, federally regulated, in the Compliance department, we see scams all the time ... .When I explained I thought this was a scam, the " representative '' told me I should have said that 10 minutes prior, and not wasted both peoples time. I haven't been spoken to so rudely by any financial representative in the past, sounded like an upset scammer who got duped!!!
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX XXXX, based in XXXX XXXX, MO, does not correctly follow reg E when cardholders contact them regarding unauthorized transactions on their account. The advisers in their fraud department regularly deny cardholders the opportunity to open a fraud case for charges they didn't attempt. There are many excuses and justifications that the call center advisers give as to why they won't start a fraud case, but ultimately they are not correctly following reg E. The advisers know what they're doing isn't allowed, but they do it anyway.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.