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

A man by the name of XXXX XXXX from Prime Recovery legal team called my brothers cell phone number and stated he was lookingfor XXXX XXXX saying I had wrote bad checks and I made good by paying these debits but those checks were returned to. XXXX ... XXXX XXXX seems to have the reputation by checking into this mysekf, this seems to be there tactic He's from XXXX XXXX and calls from XXXX This XXXX XXXX  needs to be stopped. Truly false information to call my brother and state I wrote bad checks, this is more than a false statement false and is slander I need to go after these XXXX XXXX legally you need to help with that!!!!
Complaint sub-issue: Attempted to collect wrong amount

I have attempted to contact National Credit Services , Inc. via email and phone in order to have an incorrect account on my credit removed. The account in question involves an eviction from XX/XX/XXXX which was paid off in XX/XX/XXXX directly to the property management company ( XXXX XXXX XXXX ). I have a Release of Judgement showing that the amount is paid in full but have not been able to reach anyone at National Credit Services , Inc .
Complaint sub-issue: Reporting company used your report improperly

XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Didn't receive terms that were advertised

I and my wife opened a U.S. bank joint checking account on XX/XX/2020. We opened it on the U.S. bank branch located at XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. 

When we opened this account, we printed out a summer promotional advertisement with us. The promotion offered a {$200.00} dollar opening bonus for the new customer. At the branch, we double-checked with the staff who helped us open the account, as my wife previously opened a U.S. bank account then closed it. The staff assured us that we were still qualified to get the bonus, since I was a new customer and never did business with U.S. bank ( she said as long as one of us was a new customer, we can get the bonus ). She also showed us the monitor screen when she typed in the promotional code during the application process. This was a smooth process. 

After that, we immediately set up direct deposit with three payments ( ~ {$4000.00} ) monthly to this account, we also used it to pay our mortgage and other credit card expense. So I'm 100 % confident that I met all the requirements to receive the bonus. 

Earlier this year, I realized we still haven't received the bonus, so I tried to contact U.S. bank to figure out what happened. First I tried to contact the local branch where we opened this account. First time, no one answered my call. Then I tried to make a phone call appointment ( at Janurary XXXX ). Although the appointment got confirmed, I never received a call from them. Third time, I contacted the customer service ( on Janurary XXXX ) and waited 20 mintues, the customer service looked into my account and told me our account did not have the promotional information. This directly contradicted both me and my wife 's memory, as we both visually observed the staff typed in the promotional code when she opened the account for us. The customer service told us she will ask a specialist to look into our case, and we will be contacted within a week. Now more than a month passed, no one actually contacted us, kind of as I expected. We are very disappointed about U.S. bank.
Complaint sub-issue: Information belongs to someone else

This collection account XXXX XXXX XXXX is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an erroneous account with XXXX XXXX XXXX on my Equifax credit report. I have requested investigation of that account in XX/XX/XXXX and XX/XX/XXXX. Equifax made an investigation and somehow verified an account. I contacted creditor directly in XXXX, but they didn't respond. 
I wonder how Equifax verified this account if company is not registered in Florida ( I looked up at XXXX Florida official web site ). However, I have sent follow up letter to the creditor demanding to validate that their account belongs to me. I also will attach proof of sent letter to the creditor and the first validation letter.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act and my rights have been violated by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt : 20 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A section 2. States that a consumer reporting agency can not furnish an account without my written permission
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Investigation took more than 30 days

AFTER TAKING A CLOSE LOOK INTO MY CREDIT REPORTS, I DISCOVERED YOU REPORTING WRONG INFORMATION ON ALL CREDIT XXXX WHICH INCLUDE : ADDRESSES WHICH SHOULD BE THE XXXX ON MY DRIVERS LICENSE THE ONLY XXXX, UTILITY ACCOUNTS OTHER WRONGFUL REMARKS.
Complaint sub-issue: Their investigation did not fix an error on your report

I began the dispute with XXXX XXXX beginning in XX/XX/XXXX and believe the reporting is inaccurate and in violation of consumer protection law. Specifically the FCRA and FDCPA.
Complaint sub-issue: Debt is not yours

. I have submitted over XXXX letters to your ENHANCED RECOVERY CO L providing the appropriate documentation of this fraudulent account. ENHANCED RECOVERY CO L keeps on adding this account for {$280.00} and a second on for {$870.00} my credit report with different dates and time. 
Also, no information on regards to this supposed account has been provided by your company by mail as previously requested. If it is true that I owe this amount to your collection department you should have documentation supporting your claim. By law I am entitle to recived all evidence being requested in this letter. 

ENHANCED RECOVERY CO L XXXX Collection opened XX/XX/2019 Account type Collection amount {$280.00} ENHANCED RECOVERY CO L sold XXXX of the collections for {$870.00} to XXXX XXXX XXXX. This XXXX companies every month remove this collection because they have no records as to why am I being charged does amounts and after XXXX week of removing they enter the information again. I have sent more than 3 letters to each with no resolution. this people are destroying my credit intentionally and with malice as they are aware of the situation.
Complaint sub-issue: Information belongs to someone else

I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the companies, to no avail! The listed information is completely inaccurate and must be corrected.
Complaint sub-issue: Their investigation did not fix an error on your report

I am contacting you regarding 30- and 60-day derogatory marks that appear on my three credit bureaus reported by Macys DSNB XXXX and XX/XX/2020. 
I dispute these and demand a full removal of each 30- and 60-day late mark based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. 
Prior to the missed payments, I attempted to contact Macys regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period
Complaint sub-issue: Received bad information about your loan

Fed Loan Servicing has violated my right to operate in commerce as a consumer, which is a violation of federal law. I have identified and made Fed Loan Servicing aware that my students loans are a consumer transaction. My social security card/number was used in order for this transaction to proceed. My social security card/number belongs to the Social Secuirty Administration and anything purchased with my social is the obligation of the United States Corporation according to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Therefore under this definition by law this transaction makes me the original creditor. The FDCPA 15 USC 1692 never uses the term borrower, because there is no such thing as a borrower. You can not borrow your own money, and if referred to as a borrower in any contract is a violation of 15 USC 1692. Fed Loan Serving is a third party lender/bank/debt collector, and can not loan money or extend credit let alone attempt to collect a debt. I have expressed these violation and asked for a sworn affidavit and I submitted a debt validation letter which was signed and dated by a Fed Loan Serving Agent which is breaking federal law. They did not provide me with any documentation or provided any of my requests on my debt validation. Instead again referenced me as a borrower and XXXX XXXX  as the authorized signature for the creditor. It is impossible for XXXX XXXX to be the original creditor and yet signed an official document stating otherwise. I have also requested the immediate cease and desist on reorienting to my consumer reports without my consent which is a violation of 15 USC 1681. Fed Loam Servicing has blatantly refused to acknowledge my consumer right in that regard and continue to report on my consumer/credit errors which is actively damaging my consumer reputation which is a violation of the FCRA.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Around XX/XX/XXXX i received a wage garnish notice at my job. in the amount of XXXX i was beside my self so i call the number for Reese Law Group to find out it was for a car that was repossed in XX/XX/XXXX. I told them why didnt you get ahold of me in XX/XX/XXXX. they said that they did with a court summons ( i never recieved ) so to make the story short i went to court in XX/XX/XXXX did not understand anything. i gave the lawyer for ( XXXX XXXX XXXX ) my pay stub for a year to show them that i can't pay {$500.00} a month. then i didn't hear from them until about 3 weeks ago now they want XXXX. my question is can a Law Group sit on a judgement for 9 years so it will collect interest then garnish my wages.

I don't think its right to do that to a single XXXX  year old woman that lived pay check to pay check. they say its all legall to do what they are doing to mr .
Complaint sub-issue: Account information incorrect

I purchased items from XXXX. I returned them in three days. I charged them using a XXXX credit card. XXXX went me bill anyway and it was sent to the wrong address. They charged me late charges and stated that I owed $XXXX. I paid the alleged $XXXX and have not used the card since  I made the purchase in XX/XX/2019. They reported a late payment inXX/XX/2019. I had never received a bill because XXXX   had sent the incorrect invoice to the wrong address
Complaint sub-issue: Card was charged for something you did not purchase with the card

About three months ago, I received a statement from CitibankXXXX 
I was charged over {$9000.00} for items from a merchant called XXXX. 
I had never heard of XXXX and immediately called the consumer fraud line for CitibankXXXX and reported these charges as unauthorized. 

I called the " bank '' on at least four different occasions ; the customer service representative each time reassured me that the charges would be " credited back '' to my account as soon as the " fraud division '' was finished with its investigation. 

On XXXX XXXX, I received a letter marked " Notice of Adjusted Minimum Payment Due '' The adjustment was for a huge amount, {$460.00}. 
I immediately called the bank to find out about this payment. 
This is the response : they credited back {$3000.00} ( + ) but claimed I still owed {$6000.00} I asked 2 questions, for which I was unable to get the answers ) 1- If all the charges were for the same merchant, XXXX  , why were some decided to be legitimate and others not?

2- what was the criteria used to decide the legitimacy of each claim? 

I was unable to get thru to the Fraud Division " Escalation Department '' which has the authority to change these decisions. I was cut off, misdirected, hung up on and generally frustrated in my ability to to anyone with any ability to answer my questions or address my issues. 
I couldn't even talk to anyone to cancel my card.would appreciate help with this issue. 
I paid the {$460.00} this month not because I agreed with the charge but because I didn't want it to affect my credit rating. 
thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have request that the reporting company to remove the inaccurate information that is reporting on credit report. I was a victim of ID theft along with the Equifax XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. The inaccurate info is currently reporting on my file. Here are following inaccurate accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS YOU CAN SEE THESE ARE FRAUDULENT ACCOUNTS. I have request to have these items remove.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/21, I attempted to make a transaction at XXXX for {$2400.00} on my coinbase visa card ending in XXXX, tied to account associated with email XXXX. The transaction could not be processed, so it was refunded. I made another transaction again on XX/XX/21 for XXXX and the same thing happened. In total, I'm owed {$4900.00}. I opened up a case with Coinbase to resolve the issue, and have the funds credited back to my account. it's been nearly 5 months since I did the transactions, so something is clearly wrong. XXXX # XXXX opened. XXXXReplied with requested information XXXXFollowed up on the case, asking for an update. To this date I have received no response. I've attached screenshots of the transactions in question, along with all of the email correspondence.
Complaint sub-issue: Account information incorrect

I, XXXX XXXX, understand my rights as a federally protected consumer. 15 USC 1681 was created to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the definitions section of 15 USC 1681a, a 'consumer report ' is defined as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

In 15 USC 1681a ( d ) ( 2 ) it specifically outlines items that are supposed to be excluded from a consumer report. Under exclusions, 15 USC 1681a ( d ) ( 2 ) ( B ) it states : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The definition of 'credit ' in 15 USC 1681, is the same as the definition of credit under 15 1691 which means, 15 USC 1691 ( a ) ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.

Additionally, a credit card is defined as the same term from 15 USC 1602 which means : 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Therefore any extension, alleged extension, or approval of credit directly or indirectly by the issuer of a credit card or similar device should be excluded. 

The follow accounts are being reported in violation of the above mentioned statue : 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 XXXX XXXXXXXX XXXX XXXXXXXX Additionally, XXXX5 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The credit reporting agencies do not have my written instructions to produce a report in my name in the first place. Without my written consent and instruction, the agencies are acting without permissible purpose. Also, using my social security information without my consent is a form of identity theft.
Complaint sub-issue: Other problem getting your report or credit score

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX XXXX never gave XXXX written consent to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of this account. Immediately. I, XXXX XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX I had realized that L.J Ross Associate 's had put a collection on my account from XXXX XXXX. I had contacted them stating I had never gotten a statement from them that I owed them the funds. Also asking why was this now on my credit report when this bill was owed from XXXX. I had asked for a statement or something to prove that I owed them the funds in question. The women on the other end stated " she could not give me those records '' .So I ended the phone call and decided to contact XXXX directly. The credit agency that XXXX XXXX gave me was not L.J Ross. I believe they are trying to charge me the amount without actually owning the debt.
Complaint sub-issue: Account status

In XX/XX/XXXX, Costco switched from accepting XXXX to Citi Costco card. Someone received my cards ( join accounts ) and used it to the max of my credit line - XXXX in one month ( XX/XX/XXXX ). I did not find out until XX/XX/XXXX when I received the statement. I called in and talked to the customer service specialist regarding the fraudulent charges and identity theft because someone called in and activated my cards as well as used I it. In the last seven months, I have been talking to several people of the two departments - Fraudulent ( XXXX, XXXX, XXXX - XXXX ), and Security Investigation Services ( XXXX, XXXX, XXXX, and XXXX - XXXX ). Every one of them told me the same thing that they will investigate and put the memo on my account to make sure that the collection department wo n't call me again unless they need my assistance with the investigation. But it was not true, every day I receive a call from collection department ( XXXX ), most of the time I ca n't a answer the calls because I am at work. Whenever, I can answer their calls and asked them if there is any note regarding the on-going investigation of the fraudulent charges on my account but they said that there is no memo on my account at all. Except the last time, on XX/XX/XXXX, I talked to XXXX ( security dept. ) and XXXX ( fraudulent ), and on XX/XX/XXXX I received the letter from Citi bank informed me that they investigate my case and need the police report if I have one. 
The bad things about this issue are in seven months the bank does not do anything after I told them about the identity theft and fraudulent charges on my accounts, only one thing they is doing that is calling me to ask for the payment which I have not spent. The worst thing is they report to the credit bureau about the delinquencies of the payment ; this caused my credit score drop from XXXX to XXXX. Because of this low score, I I ca n't apply for XXXX credit as well as refinance my house for the low interest rate.
Complaint sub-issue: Account status incorrect

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.