Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Indicated shouldn't respond to lawsuit

Dear CFPB-I was served court documents by the above named Law Firm dated XXXX XXXX 2015. After following through filing and answering back to this Law Firm with proper legal documents. We have received more legal/letter documents dated XXXX XXXX. 2015, upon reading and reviewing all the documents, the Law Firm has erroneously and falsely indicated in these forms that I had acknowledge having legal counsel concerning my rights and stipulation concerning these forms. Also from previous phone conversations on XXXX XXXX. 2015, we had requested XXXX ( Law Firm Representative ) to please contact CitiBank that we are willing to settle the debt for half the amount if possible. We feel that she never attempted to contacted the Bank, other then admitting that the debt was reviewed and that our request is denied. I also feel that my rights as a consumer are being violated by this Law Firm forcefully wanting me sign their forms/documents. Please advise me of proper legal proceeding with this Law Firm. Thank you kindly for your assistance. 

Respectfully-XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I had no idea I was being sent to collections by a Pro-Collect. They never made any attempt to collect the debt, and when I asked them why they said that they spoke with someone in XXXX of whom they couldn't name, so they sent negative credit reporting. The day that I learned of the debt, I learned that there was no use disputing this as they were not interested, so I paid the debt and was told that they would remove the negative reporting. To date, they have not removed the negative reporting, and it looks like I did not pay the debt.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Add-on products and services

I reviewed the statement on a credit card. I've had a credit card through Citi for 10 years, since I was XXXX years old. Today, I noticed a charge for payment safeguard program. I don't recall signing up for this program. I did some research and found that the CFPB settled with Citi regarding its deceptive practices of signing customers up through the payment safegaurd program. I contacted a representative through Citi 's mobile app chat system, and requested to cancel Citi 's Payment Safeguard Program. I was told to call Citi 's 24/7 hotline to cancel, and that my request was not able to be done online. I called the number the online representative gave me. I was transferred twice before I got a hold of the representative who purportedly was to handle my request to cancel. However, the person told me that I am not able to cancel through the 24/7 hotline as I was previously told, and that Citi only allows people to cancel during business hours on Monday-Friday. I informed the representative my concern of being shuffled around to cancel a service through Citi I did not want. I believe Citi is continuing its deceptive practices and intentionally created a system where consumers face obstacles to cancel its add-on services.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Discover sued me for an old debt that I knew nothing about. They sent it to a debt collection attorney XXXX XXXX  XXXX who has stated that they are no longer collecting the debt ( I attached the proof below in their response from a complaint I filed against them ). 

I am closing on a home and need to pay the original debt to Discover as a settlement for {$3100.00}. 

If this does not take place XX/XX/19 I wont be closing on my home at all and therefore no debt will be collected at all. So Im trying to pay the payoff of {$3100.00} at closing to Discover bank. My closing attorneys will pay it at closing. 

So please forward this complaint to the vendor department so that this can be settled. Or send CFPB in response back the payoff balance of the debt so that it can be submitted to the mortgage closing attorneys.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. XXXX is the inquiry that is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry : XX/XX/2021 XXXX
Complaint sub-issue: No notice of investigation status/result

Please see attached lawsuit and first amended complaint. Please remove the derogatory items off of my credit report. 

Continuing to report these items can be seen as willful non-compliance. XXXX
Complaint sub-issue: Personal information incorrect

I have asked the credit bureaus to only report accurate information on my credit report as 15 USC 1681 ( b ) states that a consumer reporting agency should only furnish a consumer report according to the written instruction of the consumer. 

They are in violation currently for reporting inaccurate information which makes it harder for me to be verified by companies for employment, extension of credit, etc. ( 15 usc 1681 ( a ) ( 1 ) ) This is causing much stress and hardship on my life. I need my information reported accurately, which is their grave responsibility that they assumed. I have 1 address and 1 name that should be reporting on my credit report. The fact that they are allowing unverified information to reflect on my account, shows that they are lacking competence to fulfill such an important job.

Do not respond that you can't verify me. I have added my id and given my ssn and date of birth. You also have other complaints from me with my information, so you know who I am.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have many inquiries that were checked in XX/XX/XXXX and XX/XX/XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all.        XXXX   XXXX  - XX/XX/XXXX  and  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX -  XX/XX/XXXX  and XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  -  XX/XX/XXXX   Pelican Auto Finance LLC-   XX/XX/XXXX   XXXX   XXXX  - XX/XX/XXXX   XXXX - XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  XX/XX/XXXX   Finance  XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   Bank  XXXX    XX/XX/XXXX  XX/XX/XXXX   Credit Union   XXXX    XX/XX/XXXX   XX/XX/XXXX   Credit Union
Complaint sub-issue: Reporting company used your report improperly

i am a XXXX XXXX XXXX XXXX, i am a living human being, i have rights under 15 USC 1681.

equifax is govern by 15 USC 1681 and they violated my rights numerous of times i demand the accounts listed below be remove because according to 15 USC 1681 i have the right to privacy and i did not give equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have mailed the credit bureaus letters requesting old inquiries be deleted off of my credit report.It has been going on for over 2 months. I also disputed the different socials to be deleted as well which are not my social security numbers. Most inquiries on my report are over 2 years and some are not authorized.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX : I applied for Citi bank card in sears store, they said the card will be deliverd home, but i didnt received the card and i spoke to sears store team they took the balance from me and they said they will close the card as it is not approved. 

XX/XX/XXXX : i noticed a mention on my credit report that i am a defaulter of citi bank credit card, i spoke to citi bank they said as i am not having the card number or account number they cant do anything, i spoke to sears and they said to contact credit bureau team, i spoke to them and raised the dispute.

XX/XX/XXXX : After investigation they changed that card status as closed and made it as Charge off bad debt. More than the earlier one this one is affecting adversely my credit file. i am not able to do anything as there is a charge off bad debt mention on my credit file.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a flight XXXX in late XXXX of XXXX. The amount of my ticket was {$250.00} taxes and fees were {$47.00} and I also purchased cancelation insurance for {$21.00}. The total amount of my purchase was {$320.00}. There were no additional fees such as baggages or carry on fees. I received my credit card statement from Macy 's XXXX XXXX in late XXXX. My statement shows 2 separate transactions both from XXXX. One for {$370.00} and the 2nd charge was for {$21.00} that is a total of {$390.00}. A difference results in an OVERCHARGE of {$75.00}. My credit card statement should have only been {$320.00} in lieu of {$390.00}. I proceeded to contact us XXXX when I was aware of the era sometime in mid XXXX And I was told by the customer service representative that their records only show that my credit card was charged {$320.00}. They advised me to contact my credit card issuer and discuss and resolve the complaint with them. After going back-and-forth with XXXX a few times I finally contacted Macy 's and advise them of my dispute. I faxed over a copy of my itinerary which shows an itemized list of all of the charges from XXXX. The Macy 's  customer service rep advice be that it would take 1 or 2 billing cycles and that they would notified me of the final outcome. However, I received a mail from Macy 's XXXX XXXX stating that the dispute was unfounded. I contact Macy 's XXXX XXXX once again and talk with another customer service rep who went over the supporting documents and found the undeniable billing error. He opened a 2nd dispute claim and proceeded to place me on hold to discuss the matter with his supervisor, who in turn told me that I would receive a credit in 2 different transaction on my statement. One would be for {$21.00} the 2nd credit would be removing the {$370.00} that was in error and replacing the charge with the correct amount of {$320.00} and issue a credit for the difference which is {$54.00}. Complete credits issued would total the {$75.00} discrepancy. The customer service rep apologize for having to call so many times and the matter still not be resolved and he promised and assured me that it was taken care of and it will take 1 or 2 billing cycles before the credit hit my next statement. However, I received yet another letter in the mail from Macy 's XXXX XXXX stating, " due to the length of time that has elasped since this charge was first billed, we no longer have recourse to obtain credit for this charge. '' They have been closed for over 2 mths due to covid19 and I unable to reach them. I did reach out to XXXX again XX/XX/XXXX and spoke with supervisor XXXX. He informed me they NEVER recvd dispute from Macy 's and amount they charged my credit card is {$320.00} per their records. Remember, I opened 2 diff disputes with macy with 2 diff claim numbers. Macy 's however removed the interest for the disputed ant on my XXXX stmt but not {$75.00} credit.
Complaint sub-issue: Attempted to collect wrong amount

Receivable Management Systems has been reporting failure to pay a debt on my credit since XXXX. Since I first saw this on my credit I have made multiple attempts to pay the debt over the past XXXX years recently on XX/XX/XXXX I disputed the issue to receive no response from the company. During the month of XX/XX/XXXX I have left 6 messages for their dispute department and have not received a return phone call. 

Yesterday XX/XX/XXXX I spoke with a collections representative who said she had to record the call which I understood then said " we are reaching out to you to collect a debt ''. I replied since this is recorded please make note that I reached out to you all because there has never been an attempt made to collect this debt and before you started recording you verified that you all have made no attempt to collect this debt because I live in Washington DC, which is no longer the case and has been updated on my credit file and should have been the multiple times I have called to inquire and receive a bill regarding this debt. You all even have a phone number on file that was put in service after XXXX the original date of the bill but you all are stating that you have had not tried to collect this debt and that's concerning '' and you even tried to make light that I did not have the whole account number yet I gave you the exact information from my credit file submitted by you all. In which the representative responds " I am not going to argue with you are you calling to pay the debt of {$410.00} if not I can transfer you to disputes and they may call you back. I explained I have left multiple messages for them and received no response and she replied well I can't help you. 

This company chose to not bill me in Washington, DC because legally they could not pursue my medical in DC. Now, since I have moved to Maryland a state where they are able to enforce collection efforts they have not but they now want to charge me a fee for the time they could not legally collect payment. They are now charging me 3 times the original payment amount because they chose not to collect or send collection requests to any of the Maryland addresses that were updated in my credit file! I have offered sever times to pay the original debt minus the egregious collection fees and that offer was met with aggression. I am now willing to pay the original amount owed minus 30 % and no collection fees due to XXXX XXXX unethical and predatory collection practices.
Complaint sub-issue: Public record information inaccurate

Equifax continues to report inaccurate, unverifiable, and non- compliant information on my credit report. According to your last response, you verified my bankruptcy through XXXX XXXX XXXX. Well, I contacted XXXX XXXX XXXX and there are NO bankruptcies listed in their records. So, who are you getting this information from? I have enclosed a copy of the bankruptcy section of my XXXX report and it clearly shows there are no bankruptcies. Immediately delete the bankruptcy from my credit report because it is not verifiable and inaccurate.
Complaint sub-issue: Personal information incorrect

Letter was sent via priority mail on XX/XX/2020 requesting my date of birth to be corrected. Supporting documents were sent such as my drivers license and birth certificate.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, U.S. Department of Education Account # XXXX, Account # XXXX, Account # XXXX, XXXX - XXXX XXXX Account # XXXX, XXXX XXXX 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 an account without my written instructions
Complaint sub-issue: Problem with fees

On XX/XX/XXXX I learn my Citibank credit card is 2 months behind because, as the first rep I spoke to that morning explained, " the auto pay was disabled by Citi, the system does this after a certain amount of time and we don't know why this is ''. After speaking with 2 other customer service representatives as well as a collection representative over a 45 minute period, no representative would reverse the fraudulent late fees ( {$40.00} XX/XX/XXXX, {$29.00} XX/XX/XXXX ), even after I explained the first representative admitted the bank deactivated the auto pay I set up. 

I'm employed and not having financial issues. I even made an immediate payment before calling Citi and reactivated auto pay. 

On XX/XX/XXXX I called the customer service team again and the first representative refused to reverse the fraudulent last fees, as well as the collection representative I was transferred to. I was then transferred to the fraud department and detailed the issue, and was transferred to a representative that was suppose to resolve the issue, but this rep pretended there was a bad connection and hung up.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Debt was paid

This is for services I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Fl. This was in 2017 fully covered by my insurance and I address this with the office which was being run by his wife. Then they closed down for insurance fraud for over charging the patients and attempting defraud them for charges not owed. They are presently under investigation. His wife has now sold patients information to private collection companies.
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 and privacy and confidentiality under 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 XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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- ( 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: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring me.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting this complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Here is the account of which does not belong to me or was opened without my permission. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$980.00}