Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX  attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. XXXX   has not responded to my request nor have they removed the remark. XXXX  and XXXX  have both responded and both removed the negative remarks.
Complaint sub-issue: Charged too much interest

Minimum interest charge {$2.00}. 
A charge of {$2.00} was debited to my account on XX/XX/2018 and once again on XX/XX/2018 for a total of {$4.00}. I normally pay my balance in full but I was expecting interest to be charged in XXXX because I carried a {$52.00} balance. I requested an explanation about the charge through Secure Online Message and over the phone, but every single time the representatives were insisting in explaining the general rule of being charged interest on credit cards. Today, XX/XX/XXXX, I was able to have the second charge waived because I paid the last statement in full ( my balance on my current statement was ironically {$2.00} only, the amount of the charge ). According to them the charge was referring to an average daily balance of {$7.00} which was outstanding until they receive my payment for the {$52.00} on XX/XX/XXXX. When I, again, requested to see where the Minimum Interest Charge rule is actually written, nobody could direct me to a specific disclosure. Customer service stated they will escalate my complaint. I read  several articles online and apparently Citi was supposed to stop this policy as the company was changing its method of calculating interest because of the new federal credit card law. However, I believe that they completely failed to communicate with customers in a clear way and provide them choices. Quickly waiving the second charge is in my opinion a way to avoid complaints, since the option is available over the phone without even talking to a representative.
Complaint sub-issue: Reporting company used your report improperly

In accordance with a Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This happened in the Months of XXXX, XXXX & XXXX - XXXX, XXXX ; [ ERC ACCOUNT # XXXX has violated my rights ; [ ERC ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account information incorrect

THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVEXXXX XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information.
Complaint sub-issue: Information belongs to someone else

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE 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.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting Act XXXX  Account # XXXX US DEPT ED, Account # XXXX XXXX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX ( Original Creditor : 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure.
Complaint sub-issue: Debt is not yours

There was a collection account on my credit report. The account was reported by XXXX XXXX XXXX who also sold the debt to multiple agencies. After multiple disputes to all three credit bureaus because I had no knowledge of the debt the account was removed from my credit report by all three credit bureaus. I received a letter recently dated XX/XX/2019 by Unifin Inc reporting the same account for a lesser amount asking me to settle an account I do not owe after the account has been removed almost 5 months ago.
Complaint sub-issue: Information belongs to someone else

I would like to say that I do not recognize these accounts, and I am requesting that you delete these accounts as I do not know how these items appeared in my profile.
Complaint sub-issue: Account information incorrect

Inquiries : XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Inaccurate late payments : XXXX : 15 U.S. Code 1666b. 
XXXX : 15 U.S. Code 1666b. 
XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1666b. 
XXXX XXXX XXXX : 15 U.S. Code 1666b. 

Charge-offs and collections : XXXX : 15 U.S.Code 1692a ( 4 ). 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 
XXXX : 15 U.S.Code 1692a ( 4 ). 
( Original XXXX XXXX ) :15 U.S.Code 1692a ( 4 ).

( Original XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 

I reached out to these company but the issues were not resolved
Complaint sub-issue: Account information incorrect

I have written to Macys several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. XXXX continues to report this inaccurate and unverifiable information.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 


This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Account Name : XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX  v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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 Balance {$48000.00} ; DEPT OF EDUCATIONXXXX XXXX Balance {$18000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX {$9400.00}
Complaint sub-issue: Information belongs to someone else

I have multiple accounts reporting on my credit report that do not belong to me, including but not limited to student loans. The accounts are reporting from XX/XX/XXXX from XXXX XXXX XXXX XXXX for {$9600.00}. I've repeatedly disputed these things with this company. I've also come to discover that Michigan statue of limitations for debt collection is 6 years. the law states that this shouldnt be reporting to my credit regardless of the situation. also, I see a third party debt collection company, by the name of XXXX XXXX XXXX for the amount of XX/XX/XXXX for the amount of {$870.00} and another from XXXX XXXX XXXX for {$320.00} from XXXX.
Complaint sub-issue: Talked to a third party about my debt

I would like to register a complaint against XXXX XXXX in XXXX, Va for questionable billing practices. I had a XXXX by a local XXXX on XXXX XXXX, 2015 and had an out of pocket bill for {$200.00} total. The XXXX practice XXXX XXXX XXXX XXXX XXXX XXXX was purchased by XXXX about the same time as the XXXX and they ( XXXX XXXX took over the billing process. I received the XXXX bill during XXXX week in XXXX and remitted my XXXX payment XXXX {$80.00} XXXX on XXXX XXXX. I continued to remit my payments, on time, for the next XXXX billing cycles. I had sent {$160.00} ( 80 % of the bill ) by XXXX XXXX, yet was sent to a collection agency XXXX SCA Credit Services XXXX, Va XXXX saying I owed {$100.00} ( Case # XXXX ). I complained loudly to several XXXX billing services managers but all they could tell me was it was " the system 's '' fault. My response was that you have a " process failure ''. I have lived in this area all my life and personally know many XXXX employees. In speaking with XXXX she said " do n't feel bad they sent me to collections as well and my payments were being payroll deducted by XXXX ''. No one ever stated that this bill had to be paid in full on the XXXX payment nor did they advise me that I was being sent to a collection agency. I am neither poor or under insured but I have a grave concern that this could have a devastating effect on a family that was struggling financially. A blemish on the credit score of a poor family could be potentially catastrophic! XXXX XXXX should use excellent patient care and ethical billing practices to drive its business model, not greed and avarice.
Complaint sub-issue: Information is not mine

Equifax has lied and claimed XXXX different companies said something that none of them said and has refused to back up proof, well I am about to submit proof as to how the XXXX XXXX XXXX account was not mine and why all accounts associated with it are not mine. XXXX XXXX XXXX claims the account was charged off in XXXX by someone named esquire, myself, and a XXXX XXXX. In XXXX XXXX of XXXX, I was married to XXXX XXXX who became XXXX XXXX. In XXXX of XXXX, all her accounts were changed to her married name including a student account she had with XXXX XXXX XXXX. I am attaching a few pictures of her card showing this. Now explain to me why I should not sue you for the XXXX you have cost me by being mentally challenged. Give me a XXXX or 60 day response and I will make sure court papers are filed the next day. You were caught committing a felony and should be charged but we all know heartless souls like those at Equifax bought all the agiencies that oversea them.
Complaint sub-issue: Account information incorrect

-Purchased a washing & dryer from Sears in XXXX, XXXX -Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full in XXXX XXXX -I was NEVER late and paid on time every month prior to the payoff -The washer has had 17 repair appointments -The washer is currently not working -The washer is still under warranty -Sears is reporting me paying late ONE time in XXXX XXXX -I have contacted Sears executive office three different times -I have was treated with disrespect and Sears has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the Sears rep with a negative racial stereotype
Complaint sub-issue: Company closed your account

My Discover card was closed on XX/XX/XXXX for 18 months of inactivity. Because I had never used the card they did not have to notify me in advance of my account closure. Obviously closing a {$12000.00} line of credit will hurt me even though I did nothing wrong except not use my available credit. They should be required to provide notification.
Complaint sub-issue: Debt was paid

On JXX/XX/XXXX, XXXXXXXX GA sent a letter to me stating that I owed {$25.00} on account number XXXX for a pharmacy charge that was incurred after my coverage had expired. ( Notably, they have already been reported to the GA Bureau of Insurance for their failure to refund my premiums, and they were required to return my funds following that complaint. ) The letter stated I had 30 days to MAIL the balance in full to the payment address listed on their letter, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I followed these instructions exactly. I mailed a check in the exact amount owed to the given address, check number XXXX drawn on XXXX XXXX XXXX XXXX. On XX/XX/XXXX, my check was cashed and deposited into a XXXX XXXX  account identified as being owned by the payee of my check, XXXX XXXX XXXX XXXX of GA.
I have now received another letter, this time from " XXXX XXXX '' with the same account number and mailing address, dated XX/XX/XXXX, stating that my account has been turned over to collections for failure to pay the above owed amount. Notably, this letter is dated before the expiration of the initial 30 day period I was given to pay the charge. Further of note, this letter was sent to me telling me my " debt '' is in " collections '' after the debt has been paid.
XXXX GA is attempting to collect a debt that is not owed, and misrepresented the time period in which I would be permitted to pay the initial charge. I have sent a letter back to them in writing dated today indicating I dispute the validity of this debt. I request that they and XXXX XXXX be sanctioned to the full extent of the law, as this is the second state or federal agency I have had to involve to address their illegal and deceptive practices. Thank you.
Complaint sub-issue: Problem with fees

On XX/XX/2020 we requested a change of address on the back of our payment statement as a result of delays of getting bills from my office at the beginning of COVID. It took Citi Bank 3 months to change the mailing address and as a result of their failure to send statements they begin to charge late fees and interest. We contacted them by phone and sent a certified letter on XX/XX/2020 requesting an itemized statement. They never responded to the Certified Letter ( documentation available ) but continued to pile up Late Fees and Interest upon the previous illegitimate Late Fees and Interest! 
Since the credit card is tied to XXXX we have paid for all purchases as billed the last payment being in XX/XX/2020. 
Citi Bank has now slandered us by attacking our credit rating and sending false information to numerous credit bureau 's when the problem is theirs! They continue to perpetuate this scam and do not do what they say they will do nor respond to our written communication.
Complaint sub-issue: Problem accessing account

I am disputing PNC paper statements overdraft fees of {$4.00}. Due to the fact I was initially restricted from online banking options, upon opening the PNC account on XX/XX/2021 With that restricted online banking, no virtual access to my account, I can not select the paperless online banking statement options.
Complaint sub-issue: Reporting company used your report improperly

I WHY Was THIS DELETE AND ADDED BACK TO THE REPORT?????? 
If you dont tell me Im coming after your XXXX in a lawsuit mark my WORD already been turn down by XXXX or XXXX jobs and this will be added to the lawsuit as you cause harm as acted very willful!!! 
Last and finally
Complaint sub-issue: Account information incorrect

I checked my credit report and I noticed numerous violations and inaccurate information on my credit report I then proceeded to contact the credit reporting agencies to notify them of the violations but they did not fix the problems.
Complaint sub-issue: Account information incorrect

I am distraught that Equifax has incorrectly reported my payments to XXXX  for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have written to Equifax several times for that incorrect information to be removed and to no avail, they neglect my request. And now, I suffer with such negative information showing on my credit report and thus presenting a horrible score that prevents me from growing financially. Consider this complaint as a formal request for removal of the referenced inaccurate information. I have attached PROOF that I paid XXXX  for each month referenced above and I expect Equifax to change the payment status for the XXXX credit card account to Current, never late. I highlighted the proof for easier understanding.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XX/XX/XXXX DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; MED DATA SYS XXXX MED DATA SYS XXXX ARS ACCOUNT RESOLUTION XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX
Complaint sub-issue: Account status incorrect

XX/XX/XXXX credit reporting shows account open. 
XX/XX/XXXX credit reporting shows account closed and states that a foreclosure action has begun, Which is incorrect, the foreclosure action what started XX/XX/XXXX. 
XX/XX/XXXX credit reporting states they count remains closed. 
XX/XX/XXXX credit reporting shows that the mortgage account had been removed from my credit report, even though the foreclosure action was still in litigation in court. 
I have requested from XXXX XXXX XXXX accounts relationship manager, XXXX XXXX, to investigate why the account was closed and removed from my credit report. At present a formal investigation has not begun and it XXXX XXXX insist that the account is still open and litigation remains in court.