Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I paid my Macy 's credit card account in full on XX/XX/2020. The amount paid was {$170.00}. Macy 's is trying to collect the same amount plus late fees, albeit the account was paid in full. On XX/XX/2020, I submitted a dispute letter to : Department Stores National Bank XXXX XXXX  XXXX XXXX, Ohio XXXX In the letter, I gave my account number, dollar amount of suspected error, and the description of problem. I have not had any communication from Macy 's except automated collection calls. 

Please help me. I can provide account numbers, and any documentation at your request. Thank you.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Letters of XXXX keep coming to my address, and it wasn't me that did the borrowing, I'm not in school and a senior citizen and not employed, I got some letters of deferred payment, I've call FedLoan services and talked to someone and told the person that it wasn't me but the letters kept coming of the total amount due, also this payment had went to consumer reporting agency, it went to the credit agency, I haven't been to school in years, looks like it was easy to get the loan but trouble to straighten out, In my elderly condition I want this thing discontinued, I don't want this loan to identify me as being the borrower, and I want it straighten out through the XXXX
Complaint sub-issue: Fee problem

I deposit a check from a payment from a customer on my account on usbank. Once the check was clear I use the balance to buy materials for the project Im working for the guy whos giving me the check. 15-20 days later the guy put a stop payment on the check and the bank charge me for the balance of the check. Im talking with the bank to see whats the problem why they charge the amount of the check and they dont explain me clear. 1 month later they close the account with a negative balance and not Im not able to open a new bank account.
Complaint sub-issue: Other problem

I closed my Best Buy card with Citi in XX/XX/XXXX. At that time, there was a residual balance of {$300.00} remaining on the card. Citi immediately restricted access to the online banking portal and statused my card as closed, preventing me from accessing the online payment portal. Through this action, they also prevented me from accessing online statements. When I attempted to access my online portal, they provided no information as to why I couldn't access the portal, but forced me to reset the password. After resetting the password, the online portal said I could not log in. When I called for assistance, Citi informed me that because I had " chosen '' to reset my password, it now prevented them from allowing me access through the online portal. However, they forced me to reset my password. 

I also needed to retrieve past statements for my XXXX tax filing, and Citi informed me the only way to receive statements would be have them mailed as paper copies since I couldn't access online banking. They citied that it was " more secure '' to place my statements in the mail then sending through a truly secure online process and they have no way to send financially documents securely. Just to reiterate that, the fourth largest bank in the nation with over {$1.00} XXXX in assets has no way to send documents securely online. 

In XX/XX/XXXX, I paid off and closed several cards with other major credit card issuers including XXXX, XXXX, and XXXX XXXX. None of those card issuers have restricted my access to my online account even today and even for cards with a now {$0.00} balance. 

I find it UNFAIR that Citi restricted access, when a balance of {$200.00} is still oustanding on the card and also prevented payment on the card online. I find it DECEPTIVE that they forced me to reset my password and by following their online password reset, in turn preventing Citi for restoring access to my online account. I find it ABUSIVE that they do not provide access to statement and online research while I still owe them a balance and continue to make monthly payments on time. It has caused me HARM as now I will be unable to research additional tax deductions in a timely manner for my XXXX tax returns, preventing me from taking additional financial deductions for my business expenses.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Billing problem

I received a used boat loan for {$110000.00} from US Bank, account number XXXX. I pay twice per month and the loan has provisions that it can be paid off early. My calculations show that I owe {$1000.00} less than what US Bank shows. I have called US Bank on several occasions to get an amortization breakdown, and they refuse to give me anything in writing. One representative even said that they will not give this in writing, and another representative said they will only give it within the first six months of the loan. I have called three times, and all three representatives say they would send, and I have received nothing.
There is an issue here, and no one will give me the calculations.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Called Nelnet asking them for more information regarding letter that was sent to me XXXX XXXX. Manager informed me that it was for XXXX XXXX, I informed the Manager that I never attended that school. I then call student aid and student aid had not information on me about that school. When I looked the school up to call them to get information, the school was closed down due to Fraud.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX We disagree with the balanced noted on Equifax and XXXX noted as {$38000.00}. The account was open in 2006, we need to see the past 7 year history.
Complaint sub-issue: Attempted to collect wrong amount

I was living in XXXX XXXX XXXX XXXX XXXX XXXX in from XX/XX/XXXX to XX/XX/XXXX. I had a two bedroom second floor apt XXXX XXXX XXXX. In my bedroom there was a roof leak when it rained. I removed paint on walls to find mold, I did a Mold test. It was positive for Black, Brown, Green Mold. I told XXXX about it and they sent a maintainance man over and he painted it wit XXXX just to cover the stain and repainted it. I became very sick with XXXX XXXX XXXX XXXX. I moved for 1 month to a one bedroom, I was told by my XXXX XXXX XXXX XXXX I need XXXX  XXXX, XXXX, and XXXX XXXX XXXX. I lived in XXXX alone, I had to move back to XXXX where I am currently living and since have advanced to XXXX XXXX XXXX XXXX XXXX which XXXX from XXXX to XXXX. I have 2 of the same collections on my credit report from XXXX XXXX ... ... XXXX.the Legal Dept I spoke to said they were two duplicates of same debt. The Debt is not even acuurate to start with as I paid my rent and had to leave for Medical reasons my XXXX believes is form environmental Mold in Apt . I am XXXX from the XXXX, and in treatment for the rest of my life till I die. I will be needing housing as my final resting place as I currently live with my XXXX yr old Father who has had XXXX XXXX, I can not get approved because eof these False Derogetory Marks on my Credit Report. I do not have funds to hire an Attorney as I um under Poverty Level by XXXX State Law. I became ill because of XXXX XXXX, Never was late on my rent was an excellent tenant ... and this is now at the end of my life what they are trying to do.False debt,2 of same when I owe nothing to begin with paid rent and I believe they used my security when I HAD TO LEAVE. I am not a Deadbeat ... I pay my bills. Iam willing to settle even though this is a False Bogus Debt x2, for {$100.00} dollars to have this removed both from my credit report, I have contacted local news and TV of this. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. My current XXXX is XXXX XXXX XXXX Director of XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, if you need to verify the status of my illness. I should be suing them for my XXXX, but instead they are nasty in the Legal Dept and will not remove at least one of the False Debts, never mind both. Thank You for uour time and consideration.
Complaint sub-issue: Information belongs to someone else

The following accounts has been reporting on my credit report but either company nor the 3 major credit bureaus has ever produced any physical documentation of Verification of these accounts inwhich I have disputed as fraud due to the fact that are not mines, and as a consumer I am protected by the FTC and the FCRA laws and if you choose to be sued rather than send physical documentation or remove these accounts then that's another issue. I'm demanding the removal of these accounts. 

XXXX ) XXXX XXXX {$350.00} 2 ) XXXX XXXX {$680.00} XXXX ) XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} XXXX ) XXXX {$71.00} 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

First Progress Credit card was removed from my credit report XXXX as closed. I don't have this card anymore. As of XX/XX/XXXX the company fraudlently added a closed account back on my credit report as a open balance {$160.00} as if I used the card ( see picture ) dropping XX/XX/XXXXdown 52pts and XX/XX/XXXX down 41pts along with XX/XX/XXXX. I would like to have my credit score returned back to where it was. I contacted the company on XX/XX/XXXX. Spoke to XXXX from the company she does not have a clue what happened and understands the error but did not correct the issue over the phone. She stated for me to send a credit report even though they have the account listed as closed. I have contacted my lawyer.
Complaint sub-issue: Public record

i filed ch XXXX on XXXX of 2007 but withdrew it on XXXX of 2007 so it was dismissed not discharged XXXX ago equifax still keeping it on report, but info not correct. they say current disposition chXXXX, then prior disposition chXXXX i never filed a chXXXX.
Complaint sub-issue: Problem with personal statement of dispute

Due to bad service in XXXX I closed all my Bank accounts with XXXX XXXX XXXX. I had 2 credit cards with them which they immediately reduced my available credit damaging my credit score from XXXX and reducing it to XXXX. 
I received two late payment reports for two separate XXXX XXXX XXXX credit cards in XX/XX/2020 : A personal XXXX XXXX  credit card and a business credit card. I wrote a letter to dispute these late payment reports in their entirety and to have them removed from my credit reports. During the periods of XX/XX/2020 XXXX I went through financial hardship due to Covid-19 and its restrictions. I was told by a XXXX  employee my credit card accounts can be signed into their credit card relief & Forbearance program ( Appendix B ) and that I can receive covered accommodation which I accepted. During this period all credit accounts were paid and current as outlined in 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( iii ). I was told that under XXXX accommodation program I could delay up to three payments on my personal or business credit cards since I had been affected by COVID-19. I was told during the relief period I would get : Statements showing no minimum payment due Refunded Late Fees No negative reports to credit agencies regarding late payments Still there was a mistake and were late payments were reported for both credit cards which is against XXXX  accommodation program and Terms and Conditions for credit cards in their accommodation program. XXXX Credit Card Terms & Conditions for Covid accommodations. I am reporting XXXX XXXX had a clerical or computer glitch/error in their system and that my accommodation was somehow not registered. I brought this error up to XXXX XXXX and was told to correct the issue with the credit reporting agencies as, according to their employee, they do not have a process in place to correct this errors once reported regarding Covid-19. Because of this I am requesting that all late payments reported by XXXX XXXX  in the month of XXXX be removed from my credit report and further request that any damage to credit which occurred by XXXX XXXX  decreasing my available credit be correctly reflected/noted, in written statement - to be an error and a mistake by XXXX XXXX  I paid off all my Chase credit cards but due to their reducing my available credit limit and retaliatory tactics to my choosing another bank as is a consumers right I was unable to qualify for another credit card despite having XXXX debt. I applied for credit cards and was denied further damaging my credit score. It fell from XXXX to XXXX because of this which I believe is all a single issue. XXXX damaged my credit and reputation due to my leaving their bank and credit agencies have been less than helpful in communication with me to correct this problem.
Complaint sub-issue: Investigation took more than 30 days

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Complaint sub-issue: Reporting company used your report improperly

To Whom it May Concern ; This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, Provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 16811 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit.
Complaint sub-issue: Information belongs to someone else

I recently requested a copy of my credit report and found an account that does not belong to me. I was XXXX during the date that this account was opened.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX/ ALL LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

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

Violation of privacy and consent of Late payments 15-U.S.C.-1666B 1666B Timing of Payments Pathway Title 15 > Chapter 41 > Subchapter I > Part D > Section 1666b Details Reference : Section 1666b Legend : 1666B Timing of Payments USCode Year : 2013 Provision Content ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( 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 XXXX XXXX XXXX XXXX )
Complaint sub-issue: Information is missing that should be on the report

I'm leasing with Tesla Finance, per my XXXX report it is correctly stated I do so but per my XXXX it is missing that information. Please fix that.
Complaint sub-issue: Debt is not mine

I had XXXX for my television serivice and the payment was suppose to have been taken off my credit card. I also had XXXX for internet service. XXXX turned my tv off 5 different times over non payment. I told them it was suppose to be taken off my credit card. They told me to contact XXXX which I did. XXXX told me to contact XXXX. It was back and forth and for some reason they could not resolve the issue of turning my tv off. After the 5th time I told them to take the XXXX thing out and got XXXX and have never had any problems. I explained to the collection agency and also contacted direct tv and have not had a response from either.
Complaint sub-issue: Application denied

Credit Karma suggested some cards they gave me high percentage of probability I would be accepted and I was denied over and over again and it did damage to my credit report and I understand there's a settlement about that now and I want to be a part of that
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a BestBuy Visa card. I have not used it for years and set up automatic payments to pay off the amount owed, which was under {$1000.00} and the limit was {$1000.00}. In XXXX, I was mailed new cards for myself and for my mom ( I was not aware that she was on the account as she is in a XXXX   XXXX XXXX ). Shortly after that, BestBuy stopped mailing the statements to me but when I went online, the payments were still set up. 

In XX/XX/2019 I started getting calls, sometimes up to ten calls a day from Citibank informing me that I was past due and over the limit. This should have been impossible because I did not use the card and the automatic payments were being made monthly. I informed their representative of this and was yelled at and told that I better pay up. Because of the repeated calls and the attitude and language of the " customer service '' representative I thought it must be fraud. 

I decided the best course of action would be to send in some extra payments of {$75.00} each and request a statement. The calls continued and today I received an e-mail that my account is past due. 

I believe this is all false information and I think there is something amiss.
Complaint sub-issue: Reporting company used your report improperly

My husband and I were both potentially impacted by the Equifax breach. We feel that this company was negligent in protecting our personally identifiable information and we 're lodging a complaint ( we 're sure one of many ) for the record.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

There is a hard inquiry that I did not permit. 

CREDCO XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Complaint sub-issue: Reporting company used your report improperly

*THIS IS NOT A DUPLICATE RESPONSE* XXXX Bank believes that their company policies and procedures supersedes federal laws. After making XXXX Bank aware of the numerous federal laws that they are breaking under the FCRA, XXXX XXXX XXXX XXXX, XXXX and commiting Aggravated Identity Theft, they confirmed that they will continue to break federal laws to cause me hardship to defame my character as a consumer operating in commerce. They are disregarding my right to privacy for the best interest for them to extort me on extension of credit. Im making the XXXX XXXX XXXX XXXX ( FDIC ) and the Federal Trade Commission ( FTC ) aware of their unfair deceptive practices also! *see attachments*
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/2023, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : XXXX. Last verified- inaccurate XXXX. Date of Last Activity- inaccurate XXXX opened- inaccurate XXXX. Account XXXX inaccurate XXXX creditor remarks Two-year payment history shows XXXX, Equifax XXXX and XXXX shows no history. How is this possible if the account is charged off? This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This XXXX account on my credit report has XXXX violations.