Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

Recieved a settlement letter for an XXXX collection in XXXX XXXX. This is the first communication i jad with a collection agency regarding this debt. I called them and they stated per phone that if i made the payment to them by XXXX XXXX XXXX that they would not report to credit bureaus. I paid it 2 weeks early and then they reported it after payment. I disputed with XXXX credit bureaus. XXXX and XXXX deleted this account. XXXX will not and i have disputed it 3 times. Ive called numerous times to erc and they keeping telling me something different. This is not the first time this has happened. In XXXX erc was reporting a debt that they never owned and XXXX would.not remove after multiple disputes and a year later it was finally removed
Complaint sub-issue: Information belongs to someone else

I applied for a credit card with XXXX. They approved me for {$300.00} on XXXX XXXX, on XXXX XXXX, I called them up and told them that I was not interested in their card and did not want to continue with the application. Now, on my credit report I see that they are reporting that I have a credit card with them and a balance of {$75.00}. When I called them and the credit bureau I was told that the account is going to be reported as closed. I was only 48 hours when I decided I did not want the card and therefore this card SHOULD NOT BE ON MY CREDIT REPORT AT ALL.
Complaint sub-issue: Their investigation did not fix an error on your report

The payment history on my credit report is inaccurate. I have a lower balance than what is consistently being reported and this has continuously lowered my credit scores. I want the CRA to thoroughly investigate my balances and late payment record and make deletions.l have attached a record of lower balance for the last three months than what is being reported.
Complaint sub-issue: Threatened arrest/jail if do not pay

XXXX KEPT TAKING MONEY FROM MY CHECKING ACCOUNT, AFTER I TOLD THEM I WANTED FINAL BILL AND WOULD PAY VIA MONEY ORDER VIA XXXX MAIL. ON OR ABOUT XXXX/XXXXXX/XX/XXXX XXXX XXXX FROM XXXX XXXX XXXX CALLED SEVERAL TIMES STATING THAT I WOULD BE XXXX AND THAT SOMEONE WAS COMMING AND KEPT CALLING XXXX TRYING TO SEND CEASE AND DESIST, DO NOT CALL, VALIDATION, I HAD ONLY XXXX XXXX FROM CALLER I.D . XXXX finally delete XXXX tradeline from all bureaus, XXXX etcc.
Complaint sub-issue: Problem with rewards from credit card

Citibank closed 3 of my credit cards on XX/XX/XXXX, I did not request the closing of any of these cards. 

XXXX XXXX XXXX, Best Buy, and Citi DoubleCash. 

This Complaint is regarding my XXXX I never been late on payments for any of these cards and I always paid them in full, except for Best Buy card that I had purchased products with free interested finance. 

My XXXX XXXX XXXX had about U {$170.00} dollars in cash rewards and they say I won't get it since my account was closed. 


They sent me a letter saying if I want a explanation I should call a number and ask or send a letter. I called the specific number put people cant tell me the reason why my cards got canceled, customer service keeps saying I need to send a letter requesting information. Why does it mention to call the number on the letter if I need to find out the reason why my account was closed? 

I really don't care about the cards cancelation since I have others. What is unfair is that they kept and won't pay for my rewards / cash back. Thats robbery, scam like. 

I cant access my information regarding my rewards online since they don't make it available anymore due the closing. Luckily I requested my last statements where I can see rewards amount. 

I just want what is mine since I earned it using my credit cards.
Complaint sub-issue: Right to dispute notice not received

I have a a unverified account from PLAZA SERVICES # XXXX. I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act 609 ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the following : 1. ) The contract Agreement between the Original Creditor or the original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.I want to request that PLAZA SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Account status

equifaxXXXX XXXX XXXXstatus showing collection/charge off ( should be unknown ) remarks should show account included in chapter XXXX bankruptcy filed XX/XX/2015
Complaint sub-issue: Account status incorrect

I opened a credit card with my bank in XXXX. The card was apparently provides by a company called elan financial. I paid off and closed the account in XXXX. In XXXX I tried to prequalifybfor a mortgage and was informed that the account was showing on my credit report as open, delinquent, and over limit. I tried on several occasions to contact elan financial, and left numerous messages, but my calls were never returned. On the rare occasion that I actually spoke to a human I was told that my account was in collections, and they were not authorized to discuss it with me, at which point they would transfer me to some other department who never answered their phone, nor returned my calls. I disputed this with all of the credit reporting agencies, who simply replied that it was " verified ''. So I filed a complaint with the CFPB. The credit card company finally responded to that complaint, claiming they reviewed their records, and had no record of phone calls or messages from me. They also alleged that they tried to call me on XX/XX/XXXX & XXXX, and left me messages. I received no phone calls from them at all, on those days or any other, and have received no messages. I am happy to provide my call logs to show this. It is possible that they have incorrect contact information for me, though my phone number has been the same for over a decade, and since well before this card was closed. I think it more likely that they are flat out lying to avoid admitting that they are trying to take me across. ( My phone number was included in my complaint to the CFPB, so they should have had it. ) When I received their response, I AGAIN called and left a message, again receiving no response whatsoever. They did provide some limited documentation in their response, among which was documents showing that the outstanding principle was {$490.00} as the last payment that they have record of. They further state that in XXXX of XXXX the charged off the debt with a balance of {$630.00}, and sent a 1099-c in accordance with IRS regulations requiring said form to be sent with any cancellation of a principle amount greater than {$600.00}. However, by their own records, the principle amount was less than {$600.00}, {$490.00} to be exact. I would sincerely like to be contacted to resolve this in a mutually beneficial manner. It is also of note that my credit report still shows a charged off amount of {$930.00} dollars, which no one has yet to offer any explanation for, despite numerous disputes with each of the reporting agencies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair Credit Report Act XXXX  account XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 B states i have the right to privacy.

15U.S.C 1681 Section 604 A section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax, and XXXX are reporting, a bankruptcy on my consumer report and they have put in the data furnisher as ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX which is false. I have attached a letter from the ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX verifying and stating that they do not furnish information to the consumer reporting agency or any credit monitoring service, nor do they validate or verify any information concerning bankruptcy. 


XXXX, Equifax, and XXXX falsely stated this information on my consumer file and have not deleted this information from my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX and Equifax continue to report an account on my credit report, despite the fact that it has aged out. Pennsylvania State Law has a statute of limitations on debt of four years ( 42 Pa. C.S . 5525 ( a ) ) and the last activity on my XXXX XXXX account was in 2017, well past the statute. 

Although this has cost me financially, I am not seeking financial restitution, I simply would like to have the account removed from all three credit bureaus.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX has placed a collection acct onto my credit report without any prior notification. I do not own nor have I ever had any credit card with this company. I would like copies of a credit application along with any identification used to fraudulent obtain this debt. I also would like this removed from all three credit agencies immediately. I have previously been a victim of Identity theft.
Complaint sub-issue: Reporting company used your report improperly

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

Account name : # XXXX, Account name : # XXXX, Account name : #, Account name : # XXXX, Account name : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXXXX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 



In accordance with laws mentioned above " XXXX XXXX XXXX '' offered XXXX payments and still is reporting this account as late.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  - XXXX  XXXX XXXX  XXXX XXXX  - XXXX DISCOVER FIN SVCS XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

hello, i am just learning how to review my credit report AND upon checking it i see 2 unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX ACCOUNT # XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

Key bank locked my card and said washington unemployment locked it and that washington unemployment is the only one that can unlock it. Washington unemployment says they have nothing to do with the locking or unlocking of card and can't help me in this manner and keybank says that I can't do anything about it and that they need to hear from Washington state to clarify who I am and neither will help me in this manner and be wise of that I'm going to lose my house
Complaint sub-issue: Account information incorrect

Equifax information services, XXXX and XXXX are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX XXXX  XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX  XXXX  in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with Equifax Information Services XXXX
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX, I submitted an email request to be considered for the Temporary Extended Public Service Loan Forgiveness Program, because I qualified. I have made 120 payments on my student loans ( some on the wrong re-payment plan ), have 10 years ( XX/XX/XXXX-XX/XX/XXXX ) of work experience with the government, and have been denied PSLF. I was informed via email that if any additional information was needed that I would be contacted. I was never contacted. 

On XX/XX/XXXX, I received notification that I did not qualify for TEPSLF because I only had 118 out of 120 payments. I immediately called XXXX XXXX  and spoke with representatives and supervisors. I was informed that for two payments in XX/XX/XXXX had not been received because my account was placed on and administrative forbearance, which I never requested, but happened when my loans were being transferred from XXXX. I provided a bank statement which showed one of the two payments had been made because it was automatically deducted from my account. I also provided an updated employment verification, which provided an additional seven months of qualifying payments. 

I have been informed by XXXX XXXX to reapply for PSLF which I did and was denied. I reapplied for TEPSLF, which I was instructed to, and have received no response. I continue to make payments to XXXX XXXX, even though a supervisor informed me that " the database '' states I have 128 payments in the system. 

I am getting nowhere and am very frustrated. XXXX XXXX is in essence taking my money each month for a loan that should have already been forgiven. I have reached out to the Ombudsmen 's office and they took my 1st complaint and then closed the case even though I asked them not to. They took my 2nd complaint and I have heard nothing. 

My concern since I received the rejection from TEPSLF in XX/XX/XXXX was that I knew the TEPSLF is a time limited, fund limited program. Even though I applied back in XX/XX/XXXX, I am sure my application is at the bottom of the pile now and it is quite possible the funds will be gone by the time XXXX XXXX does what needs to be done. In addition, I am due a few thousand dollars in over-payments, because my account continues to be deducted. 

This is my last step before filing a law suit. I am hopeful that this situation can be remedied but realistically I have no evidence to sustain that hope.
Complaint sub-issue: Debt was result of identity theft

ALL 3 CREDIT AGENCYS AND COLLECTION COMPANIES REPORTING OUTDATED ACCOUNTS SINCE XXXX... ..ID FRAUD accounts open without my consent and not my accounts ... '' IQ INTERNATIONAL AND XXXX XXXX XXXX XXXX XXXX XXXX.AND VIOLATED " FCBA, FCRA, FDCPA ''
Complaint sub-issue: Their investigation did not fix an error on your report

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent via mail and by fax on XXXX XXXX to SageStream LLC that my freeze was to applied. I've yet to receive confirmation or any response for that matter that my request has been done. Thanks in advance
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Complaint sub-issue: Other problem getting your report or credit score

I have issues with my Equifax credit report. When Im applying for loans, the creditors cant access my Credit profile. The error message either mismatch personal information or credit profile dont exist. Also, when I tried XXXX and XXXX same message. I been having this problem since XX/XX/2022. I call Equifax several times but still cant get the issue resolve. I dont have a Fraud Alert or Security Freeze, so this is an internal issue. I have several credit monitoring services and my Equifax last update was XX/XX/2022, and this when the error started happening. I dont know if I have 2 profile or do I need to create a new profile on Myequifax.com
Complaint sub-issue: Frequent or repeated calls

I ha ve been a Macy 's  card holder for a few years now. I had a payment due  XXXX   XXXX  but since they NEVER updated my address ( I move every year or so due to rent increases in   XXXX   and it takes them repeated attempts to change my address ), they sent my bill to the wrong address and then I got it late -- paid it  XXXX   XXXX . Starting  XXXX   XXXX , I have been receiving phone calls from phone numbers in  XXXX   (   XXXX ,  XXXX  ) NONSTOP. I figured it was a salesperson because ever since I went to the  XXXX   XXXX  concert with my mom and gave them my phone number in a raffle, I 've been harassed at all hours of the day -- but that 's another story. When I finally answered and found out it  was Macys, I  almost fell off my chair. I mean, really?! A few dates late and already they are calling me -- I have received  14 phone calls in 52 ho ur period, all I have screen shots for :  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    Does that sound reasonable?? I mean this is so ridiculous. And the payment I made in  XXXX  was on time, with no late fees or any extra fees. So basically they are harassing a loyal and good custom er 14 times in le ss than 3 days because of being 6 days late on a payment -- due to an address change!   And there was  NOT ONE  voice message left in all those phone calls so that I knew who was harassing me and could have dealt with it.   This is true harassment and something needs to be done about this. And I 'm not the only one, I 'm sure.    XXXX   XXXX
Complaint sub-issue: Account information incorrect

Equifax report judgement on my credit report incorrect information need be remove from credit report
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XXXX doesn't work for processing the new Economic Impact Payment Cards being sent out by the US Government.

FISERV and Money Network dropped the ball. 
I received an EIP debit card in the mail yesterday. 
I called XXXX to activate the card and assign a PIN - no problem. 
I registered as a new user at XXXX. Got a dozen different emails about Login ID and passwords with no real problems until the final step : The system said I would be sent an email with a validation code that I would have to enter before I could go any further. The email with the code never arrived. I went to bed. 
The next morning, 8 hours later, the email arrived with a 5 minute window for use. 
I missed the window. Tried again - same thing. 
I called customer service. They said " The system is broken - we don't know if it will ever be fixed. Try going to your bank. '' Folks. if the government is going to partner with a XXXX dollar service company they ought to at least get some assurances that the systems will be tested before sending out XXXX XXXX debit cards. 
ACCOUNTABILITY!
Complaint sub-issue: Information is not mine

I have never checked my credit report before this was the first time and I seen many things that do not belong to me such as medical bills and unpaid cable bills I 'm guessing thru direct tv which has never been a provider of mine and I just want to get all theses things cleared up
Complaint sub-issue: Debt is not mine

I have told them numerous times that I am not the female they keep asking for. I have explained to them I will be reporting them. I have told them to record all my conversations with them and to put my complaint in their computer. I just received another phone call today.
Complaint sub-issue: Investigation took more than 30 days

My husband and I submitted an investigation request to Equifax on XX/XX/2018. Over 30 days have passed, and they have not yet sent us the results. I even sent them a follow-up letter which has also been ignored.