Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX in the United States District Court of Minnesota. XXXX XXXX : XXXX. I am still receiving debt collection phone calls from TCF Bank in regards to 2 checking accounts that I had with TCF Bank that was included in my bankruptcy petition. The 2 checking accounts was under the following social security numbers : XXXX and XXXX. The 2 checking accounts was discharged in bankruptcy court. My date of birth is : XX/XX/XXXX
Complaint sub-issue: Overdrafts and overdraft fees

On XXXX XX/XX/2022, I received an email notification that my Citi checking account had been overdrawn due to an expected monthly service charge. I had this account open for nearly two years and this was the first such charge to hit my account. I immediately called Citi to reverse the monthly charge and close the account. The service rep reversed the monthly charge, refunded the residual balance to one of my Citi credit cards, and proceeded to close my account. At this point, I was no longer able to view statements or manage my account. On XXXX XXXX 2022, I received an email notification that I owed {$34.00} from the closed account and that this amount had been sent to a collection agency. I immediately called Citi and found out that I had been charged a {$34.00} overdraft fee after closing the account two months prior, which I had no way of knowing since my account access had been removed. I requested the {$34.00} overdraft fee be removed however, the service rep was unable to remove the charge since it had already been sent to collections. The service rep said that they would send me a {$34.00} check in the mail to " refund '' the amount but at this point, there may be significant damage to my credit report. I am XXXX XXXX  with a XXXX XXXX  and any adverse material on my credit report could have severe repercussions. 

I believe that : 1 ) Citi unfairly charged me an overdraft fee for a monthly fee that had already been refunded. 
2 ) Citi improperly closed my account without addressing this overdraft fee. 
3 ) Citi provided inadequate notification of the overdraft fee and the impending action it would take. I did not receive anything in writing about the amount owed or the fact that the owed amount would go straight to collections. 
4 ) Citi unfairly took action against an account to which I had no access to nor visibility about any balance owed. 
5 ) Citi provided inadequate response to rectify the overdrawn amount after I called on XXXX XXXX 2022 and was promised a " refund '' check. The damage to my credit report may already be done and will have lasting and irreversible effects.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a Shop Your Way XXXX ( Acct # XXXX Current / XXXX Previous ) and have made multiple attempts to have two fraudulent charges removed from my billing statement. 

The following fraudulent charges that were posted on my Shop Your Way Mastercard : XX/XX/2020 XXXX {$280.00} XX/XX/2020 XXXX  {$300.00} While I am a current customer of XXXX I have never issued payment via the Shop Your Way Mastercard, as I always make this payment via check directly to XXXX Per a request as part of the dispute process, I provided the following documentation ( both fax and post mail ) to support the dispute of these fraudulent charges : XX/XX/2020 Copy of the Cancelled Personal Check to XXXX for my XX/XX/2020 billing cycle. ( {$220.00} ) I have provided all of the information requested, and multiple attempts to remove these fraudulent charges have been ignored. I am an elderly person ( in my XXXX 's ), and this is causing a great amount of stress based on the fact that Shop Your Way Mastercard organization refuses to recognize that these charges are fraudulent and act accordingly.

Attached to this complaint is all of the documentation that the Shop Your Way Mastercard fraud team requested. I appreciate any and all assistance that you can provide in resolving this matter to my satisfaction. 

XXXX XXXX
Complaint sub-issue: Debt was paid

Good morning, Previously I had an outstanding balance with US Bank that I have since paid off. My credit union has advised me that US Bank has not removed my name from XXXX Please remove my debt immediately and provide a statement showing I no longer owe this debt to US Bank. 

Thank you for your time.
Complaint sub-issue: Problem getting your free annual credit report

XX/XX/2020 I was unable to obtain free credit report from Equifax. I was also unsuccessful in placing a credit freeze with Equifax, today, as well as over the past three years. Equifax wants me to mail copies of drivers license, social security card and other documents ; with no guarantee of safety or access. The two agents I spoke to today said they could not access my account. This is just Equifax runaround way of making it difficult to obtain the credit report or to place a freeze. 
Their website indicates my account and personal information was impacted in data breeches, yet they want to be in possession of my personal documents to subject them to future breeches. I had no problems obtaining credit reports, and freezing my credit with the other 2 agencies. Equifax said they can not help me and do not care if I contact you. I have tried to resolve this issue with Equifax for three years. By making it difficult to obtain personal credit reports, they increase the chances of identity theft.
Complaint sub-issue: Investigation took more than 30 days

I HAVE SENT THE DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATIVE PROCESS AS XXXX  AND XXXX  HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE.
Complaint sub-issue: Didn't receive enough information to verify debt

I submitted a written request for specific information in order to establish the legitimacy of an alleged debt owed. After thirty days I still had not received the information I requested, nor had I gotten a response to my request. I made a second attempt to contact the company, included a copy of my first information request and a request CEASE and DESIST any and all further attempts to collect this alleged debt, which remained unanswered for in excess of thirty days. Over two months after the initial request I still had not received any type of response. I sent a third request for the information and requested they CEASE and DESIST any and all further attempts to collect this alleged debt. In addition, I requested they refrain from reporting to and/or remove from any credit reporting agencies this alleged debt that is currently in dispute and to provide written documentation that they complied with this request. I have spent months attempting to rectify this problem. I have no desire to escalate my frustration by continuing communications with this company. Its my belief that continuing to report this alleged debt to multiple credit reporting agencies without allowing me to verify the debt is harassment and a bullying attempt to collect an unverified debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters disputing unknown accounts in my report exactly on XX/XX/2022 but until now I did not receive any response from the bureaus. I think they are not taking actions regarding my complaints.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2019 I ask for a credit report form XXXX  and XXXX  company to see how my credit score was to apply for a student loan ; and I see a discrepancy with 2 of my student loans with XXXX   department. It show that I had a 90 days late payment history for XX/XX/2019 period. That was impossible because those accounts were on deferred period by that time. Since the deferment was ending I ask for a new one and It was approved by XXXX. I submit all the evidence needed to XXXX  and they fixed ; however XXXX did not the same. I submit a complaint again with the credit bureau explaining the above including evidence ; and at the end they fixed the error ; so I could get my student loan. When I get the updated credit report on XX/XX/2019 they fixed the error with the help of the complain I filled that time through the credit bureau. 

However, in my last update of credit score with XXXX XXXX, where they use XXXX  credit report it showing the same mistake after they had fixed last year. So I'm filling a complaint one more time to see if the credit bureau can fix that error for once. Because the discrepancy is there even when the last credit report doesn't show it. Even XXXX  show that all my history payment is good. 

Hope you can solve it because my credit its been affected by that error.
Complaint sub-issue: Information belongs to someone else

There is a Citi Bank Costco Card XXXX on my Credit Report that does not belong to me. I have been working on this since XX/XX/XXXX. I did receive a letter dated XX/XX/XXXX that this card would be removed from my Credit Report. I check XXXX Report on XX/XX/XXXX and it is still on my Credit Report. Please can some one help me this is keeping me from doing a Refinance on my Mortgage. Thanks XXXX
Complaint sub-issue: Don't agree with the fees charged

I was a student at XXXX XXXX XXXX. In 2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried contacting all 3 credit bureaus to drop these inquiries. XXXX  is no help even after speaking with a customer service representative. I can not get XXXX  or equifax to take them off either.
Complaint sub-issue: Debt was paid

XX/XX/XXXX I was contacted by XXXX XXXX XXXX in regard to a Citibank/Amex card that was settled back in XX/XX/XXXX. This is the second time in the last two months I have been contacted by a collection agency for this debt. I settled for less than I owed with the creditor/collection agency - XXXX XXXX XXXX on XX/XX/XXXX. The two calls I recently received are for the balance of what was due back then. I was told that they had mailed me correspondence and since I hadn't responded it was being referred to an attorney. I have never received any correspondence, just phone calls in regard to this. Both times I have spoken to someone, I have been told that they would update my record and if there was anything further required, I would be contacted. I went through an attorney for this debt settlement, as I had several debts that I settled. I can not go to her for help with this because she is no longer practicing.
Complaint sub-issue: Debt was result of identity theft

i received a letter from a debt collection company ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX Credit Card, The bank who filed the claim is Jefferson Capital Systems LLC and the original creditor is XXXX XXXX. I called XXXX and they confirmed my social security number, name and address are correct ; however the email address on file was not. XXXX rep said the account was related to charges from 2017. I have never opened a XXXX credit card so I know this is not my debt. I asked them to please report the account as fraud. The XXXX rep told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.
Complaint sub-issue: Information belongs to someone else

THE XXXX XXXX  AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Debt is not yours

Contacted the company about this account and their main headquarters wrote me back a letter telling me after looking up the account, they could not locate it on file. I am attaching that letter written directly by them. Since they could not locate the account, I demand this account be removed immediately from all credit reporting agencies as this account is causing harm against my name by reporting negative on record. 

this was noted in their response they sent me " Based on the information provided in the complaints, we were unable to locate the corresponding accounts. '' with that information alone, this account should be deleted now.
Complaint sub-issue: Need information about my balance/terms

My private student loan is through CitiBank, Citi Assist loan. XX/XX/2016, the interest rate went up on my student loan by .25 %. That is fine. BUT, my payment more then doubled. I went from paying {$130.00} a month with a 4.25 % interest to {$320.00} with a 4.50 % interest rate. This seems WRONG correct? They were not helpful. They suggested I do a direct debit to reduce my interest down .25 %. So I did. My interest went back down to 4.25 % ( my original interest ) and now my payments are {$130.00}. So basically I am getting screwed by them because none of this makes sense. I firmly believe this new payment of {$130.00} is WHAT I should have been paying with the interest increase. They tried to double talk me when I asked about my new payments after the interest hike and they were not helpful and did n't do anything. I am very scared about the next interest increase and what they will come up with for my payments.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX -or- XXXX  Fraud XXXX Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  {$940.00} XXXX  {$1500.00} XXXX XXXX {$730.00} XXXX   {$11000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$780.00} XXXX XXXX {$780.00} Please 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. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B
Complaint sub-issue: Information belongs to someone else

equifax is reporting inaccurate information on my file after this complaint my next course of action will be to sue. I have never lived at the addresses that they have listed for example XXXX XXXX XXXX XXXXXXXX georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA, XXXX, OR XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA OR XXXX XXXX XXXX XXXX, GA XXXX. MY identity was compromised years ago and theyre police reports to prove it and i have only stayed at XXXX XXXX XXXX XXXX ga XXXX and i have been their for over 22 years this is a violation and it has hurt my credit report please have equifax to delete the
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXXXXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Problem with personal statement of dispute

I ended up having having 2 soft enquiries, at least that is what I wanted. Just to see if I pre qualified for credit cards. But the two companies ended up doing hard enquiries on XX/XX/2022. One of the companies is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The other company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that these hard inquiries be removed off my credit report As soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, account XXXX XXXX XXXX acct # XXXX, Dept of EdXXXX account # XXXX, Dept of EdXXXX account # XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Ed/XXXX  account XXXX XXXX , violated my rights 15 U.S.C. 1681 Section 602 A states I have a 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 written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB : ALL IM SAYING IS IF THERE'S CLEARLY INACCURATE DATES BETWEEN XXXX BUREAUS, INACCURATE AMOUNTS, INACCURATE DISPUTE STATUS WHY ARE THEY REPORTING IT!!! FOR ALL I KNOW BEING A REPORTER THEY NEED TO HAVE THEIR SOURCES ACCURATE BEFORE THEY FURNISH MY CREDIT REPORT OTHER PEOPLE... ON WHICH I NEVER AGREED IN WRITING THAT THEY CAN DO SO!!! 


i write here everyday... believe me im annoyed too... i just want to hold the XXXX bureaus accountable for false report ... or better yet FAKE NEWS!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and XXXX  only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to a portion of the data in my credit document ; not withstanding, there are still a few accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Contacted you after you asked them to stop

The cash app .com kerps calling my families and telling them my private information and won't leave them alone
Complaint sub-issue: Account information incorrect

After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors XXXX XXXX on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. XXXX XXXX is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA ( for example, Equifax, XXXX, or XXXX ), you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for Equifax on XX/XX/2021 to adjust the credit reporting XXXX XXXX then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness.

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming payment
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX  Equifax, anXXXX XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.