Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

AAA collections agency South Dakota has been collecting my money for about 2 years now on a medical bill Ive never had a problem paying until I decided to Change by my banking info, I called back to see why my payments were not going through after about a month. The lady was extreamly upset with me after telling her Im not sure why my payments stopped. I called my bank and the bank said t was on their end. The lady said that I could only do a larger payment plan or pay the amount on full and I told her I couldnt afford either and became upset at that time. She threatend to have sheriffs at my house if she wanted and basically tried telling me without actually telling me that I would be sued no matter what and there wasnt anything I could do and they would win no mater what and take my money from the hearing. I have agreed to the payment plan of the larger sum and she said they would do that. A week later my account became dilenquent and now I have no way to pay because she will not allow the payments to go through. This company used to be pretty helpful when it came to paying off a large chunk of the hospital bills and now that its under a smaller number they are being super aggressive and I dont feel its fair at all and I hope that they take a check that I will be sending in to keep my account from being sent to court because It would lose since the agency and judge are so close.
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. 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 accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00}
Complaint sub-issue: Information belongs to someone else

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for an account with CitiBank/CBNA, XX/XX/XXXX that he never authorized. A dispute of the inquiry was sent certified mail to CitiBank/CBNA XX/XX/XXXX. CitiBank/CBNA responded to my client with a letter informing his " no account was found '' for dispute. We were not disputing an account we were disputing a fraudulent application that resulted in an inquiry.
Complaint sub-issue: Their investigation did not fix an error on your report

In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.
Complaint sub-issue: Problem getting my free annual report

I ca n't access all my credit cause at the time to verify my past information it those not matched and is because i have some stuff under my credit that is not supposed to be in my credit and that i dont have no idea what they are
Complaint sub-issue: Talked to a third-party about your debt

Citibank shared my information without my authorization. When I brought this to their attention I was told they can share information with whomever they believe to be. I was told they do not need to verify any account information prior to sharing information about an account. When I challeged this concept was once hung upon by a " manager ''. when I called back I was unable to relay my concern as a different manager would not communicate with me, stating that everything I had to say was a personal attack. I was unable to present my concern without first making payment. I am gravely concerned Citi bank has shared my information with others and I will not be able to discuss this without having to make a payment. The best I was able to achieve was a possible manager call back in no less than 15 days. This is unacceptable. I need your help to resolve this unauthorized information sharing.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested that the credit bureau explain or prove how they verified the accuracy of a public record on my credit report. They did not send me copies of documents used to verify the account information. They did not give me the name of the person who verified the information as I requested, yet continue to display unverified information on my credit report.
Complaint sub-issue: Debt was paid

At the time that this account was opened I had insurance ( moped XXXX insurance ) that covers all emergency services that XXXX XX/XX/XXXX offers. But yet they still sent the account to collections ( Amerifinancial Solutions ). And also they did not ask my permission nor did I authorize them to share any of my personal information with Amerifinancial Solutions which is a direct violation of my HIPAA rights.The account number in question is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Back in XXXX of this year, I received a letter in the mail from Citi XXXX XXXX stating they have completed their investigation regarding my Office Depot account. In the letter, it states if I have other evidence that I would like them to consider in regards to my dispute please mail the supporting documentation. On XX/XX/2020 I mailed off further documentation providing more evidence that the item they're claiming I have has been picked up. I have not heard anything else from them since I mailed the letter off, yet I am still being charged on my credit card for an item I do not have. Earlier this year in XXXX I received a credit card from office depot with a {$1000.00} credit limit. When I received the card I went online and tried to place an order and it got declined. I'm thinking well maybe I entered some information in wrong so I went back and tried to complete a second-order that also got declined. After that, I gave customer service a call, which is awful by the way, and they had put a stop on my new card that I had never used before. Stating they thought it could be possible fraud due to the large amounts. The two orders only added up to about {$200.00} or {$300.00} dollars so I was confused about why they put a stop on my card. The customer service agent removed the stop and stated over the phone it was okay for me to start placing orders. What was NOT stated on the phone was the two previous orders I originally placed would go through. So now I've been charged for 3 desks and chairs. All items that I have been wrongfully charged for have been returned. I have no desk and only have 1 chair. All other items are returned. The chair amount is {$140.00}
Complaint sub-issue: Personal information incorrect

I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Account status incorrect

My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX  on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND XXXX XXXX IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Account terms

I have continuously tried to leverage with Equifax. Equifax advised me that they are only reporting what XXXX is reporting and they had no desire to hear me out as a consumer and continues to report this information on a regular basis. I have contacted XXXX directly on XXXX/XXXX/15 and have had no response thereafter. How is it that Equifax can verify the data but I ca n't get in contact with anyone regarding the matter. I have also sent verification reflecting the inaccuracies in the amount due and the date of payment which would reflect the account was laid prior to collections. I want this information removed from my report.
Complaint sub-issue: Problem during payment process

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CITICARDS CBNA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Didn't receive advertised or promotional terms

Hello, During the call with CSR on XX/XX/2020, I received the promotional offer that awarded {$95.00} statement credit and XXXX Thank You points after spending {$1000.00} per month for 3 months. I completed the terms of the offer but have not received the bonus. 

I called the customer service again to inquire why I have not received the bonus and was told that due to their system processing the offer the qualification " month '' started on the XXXX of the month. It turned out, my monthly spend in the " month '' of XXXX was {$960.00} XXXX {$35.00} short of {$1000.00} required ) because I made {$310.00} in purchases on XX/XX/XXXX that were counted for the previous qualification " month ''. 

I was never told during the initial call on XX/XX/XXXX that the qualification month actually starts on the XXXX day of the month, not the day of offer acceptance. I was never send the offer terms in writing with the specific qualification requirement spelled out. There was no way to confirm the terms of the offer ( or check the progress ) in my online banking account. I believe this is done by design to confuse and disqualify customers for the bonus. 

Therefore, I believe Citibank practices related to this offer are an example of clear misrepresentation of the offer terms and request that my account be credited {$95.00} per offer that I orally accepted during the XX/XX/2020 phone call with Citi customer service.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To my knowledge, I have not signed any document authorizing DISCOVERBA to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I don't recognize the inquiry : Creditor Name : DISCOVERBA Inquiry Date:XX/XX/19 The above inquiry is unauthorized and is hurting my credit and is prohibiting me to get approved for a home I am trying to purchase.
Complaint sub-issue: Information belongs to someone else

I got a hit notification from credit wise that there was a change to my credit report and an XXXX XXXXXXXX had a report on my credit and I have never applied with anything for them their website is sketchy I go to Weathers no contact us or anyway to discredit this
Complaint sub-issue: Problem while selling or giving up the vehicle

Because of COVID, and my job being 100 % Commission, I fell behind 2 payments, but was in contact with Flagship the entire time. They assured me that due to COVID, it would not effect my credit. I paid the car off and my credit score dropped 100 points. When I called Flagship, they assured me it would take care of itself the next month ... .IT DID NOT. I would like my credit score fixed, please, and this taken care of. 
Thank you, XXXX
Complaint sub-issue: Billing problem

Loan amount of $ XXXX ( +/- ) was funded XXXX. Amount included Title, Tax and Registration fees. Dealer collected fees as well and submitted paperwork to the County while Bank of the West has made no effort to release remaining funds needed to issue plates. 

The Temp plates issued upon purchase on XX/XX/XXXX expired after 30 days. Numerous attempts to have BofW release the funds have gone unanswered. I supplied BofW with a statement from the XXXX detailing the remaining amount due to register the Class A Coach ( Motorhome ).
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Account # XXXX 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: Didn't receive terms that were advertised

On XX/XX/2022, I opened a Citi Priority Package ( checking + saving ) account and deposited a combined total of $ XXXX. I fulfilled the requirement of keeping the funds in the account for XXXX consecutive days. According to the agreement, I was supposed to receive a {$750.00} bonus within XXXX  days, which should have been no later than XX/XX/2022. However, I have yet to receive the promised bonus. Unfortunately, this is my second time experience the exact same thing with Citi, they just want to take your money for as long as they could without giving any bonus.
Complaint sub-issue: Information belongs to someone else

my credit reports several fraudulent accounts that are a result of my identity being stolen, and also it appears that my address and other personal information is also incorrect fraudulent and false addresses have been used to open up accounts that I do not recognize and have not authorized. I have sent correspondence regarding this issue I am attaching that correspondence to this complaint .that includes identity theft report and police report detailing what happened and the fraudulent accounts this information should have been removed or blocked when it was first mailed to the credit bureaus I am including it here so that it can be reviewed and the appropriate action can be taken and these accounts be removed and blocked From my report
Complaint sub-issue: Their investigation did not fix an error on your report

ACCT # XXXX XXXX XXXX XXXX, was Disputed with XXXX , XXXX , and EQUIFAX through CFPB and only DELETED by XXXX on XX/XX/2020 File Number XXXX. I believe XXXX   AND EQUIFAX are in violation of the Fair Debt Collection Act, this is harming me by not accurately verifying and deleting this account.
Complaint sub-issue: Problem with statement of dispute

On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX XXXX, 2016. Equifax responded to my disputed inquiries that I made them aware of since XXXX 2016. Equifax stated to all my disputes " Inquiries are a factual record of file access ''. I requested Equifax to conduct a legitimate investigation and provide me a copy of the documentation that was used to verify that the inquiries were legitimate. Equifax has failed to comply with my request and have exceeded the XXXX required by the FCRA to conduct there investigation. The dereliction of duty by Equifax is having a negative effect on my credit worthiness and credit score causing me to have a great measure of distress. The following are the disputes I filed with Equifax : XXXX XXXX ( 2 TIMES ), XXXX, XXXX XXXX XXXX ( 3 TIMES ), XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 TIMES ), XXXX XXXX XXXX XXXX ( 2 TIMES ), XXXX XXXX, XXXX XXXX XXXX XXXX, & XXXX XXXX. Please be advised that I have written and called these institution 's and they have informed me that they cant do anything for me and that I will have to contact Equifax. This proves that Equifax has not conducted an ethical and proper investigation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : 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 XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX from XXXX XXXX  and I believe I have been compromised.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.