Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Complaint sub-issue: Didn't receive services that were advertised

On XX/XX/XXXX Equifax sent me a promotional offer of {$9.00} per month with no expiration date to accept the offer. On XX/XX/XXXX I signed up for services and my account was charged for the {$9.00} but when attempting to log in the website told me I had no active product. 

When calling the Equifax contact center they told me on XX/XX/XXXX and XX/XX/XXXX that my account was not charged and therfore they refused to assist with providing a refund or activating the services. They were very unfair about the process and stated there was no way I was being honest about being charged {$9.00} for the product. I explained i had a bank receipt with the date and time of the charge and they would not accept this as proof. Equifax then tried to sell the same product for {$19.00} and this seemed like an unethical dales practice. 

On XX/XX/XXXX the contact center representative asked for my full XXXX digit debit card number and then admitted he would be turning off the call recording while I provided my sensitive debit card information. This seemed very unethical and I know realize Equifax contact center representatives have the ability to alter call recording procedures.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Recently purchased XXXX XXXXXXXX from a reseller for XXXX The receipt indicated a different date and the product was defective. Reseller refused to accept the return but XXXX was able to replace the charger for the XXXX. Per the discussion with the XXXX XXXX requested PNC to dispute the transaction and refund. PNC indicates they have investigated and refuse to refund the {$310.00} for the defective item. 

XXXX has provided written feedback on the defective sale which is with PNC. Require PNC to reverse the payment and provide information on why they have not yet provided this service.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I had a XXXX limit on my credit card, for which i never missed or was late on payments. I base my spending on these limits as do most normal people. As soon as I made a large payment of XXXX, they cut my credit limit and will not let me use that amount. They stole it from me. I never would have made a payment that big if I knew that they would cut my credit limit. This affects not just spending, it affects my credit scores dramatically. it's not right. they blame it on XXXX  which is not true. It's because I made a large payment and they saw an opportunity to screw me. All I want is them to honor the credit limit I had before they did this to me. It's outright theft of my credit. They cut my limit by XXXX the days after this payment was made. it's got to be illegal I want to sue them.
Complaint sub-issue: Was not notified of investigation status or results

I have experienced an ongoing issue with the credit reporting bureaus regarding noncompliance with the Fair Credit Reporting Act. I have initiated investigations and disputes both electronically and via us mail. I have not received a response or the investigation summary results regarding any of the investigations and disputes.
Complaint sub-issue: Threatened to sue you for very old debt

I received a few phone calls from this number telling me that I had an outstanding credit card debt from 2016 I informed them that I didn't have any credit cards back then they started threatening me telling me that they needed an address so that I could be served papers and it was going to cost me another XXXX to XXXX XXXX in legal fees so I paid it on my credit card this is the name of the group and the phone number associated with itXXXX XXXX XXXX XXXX XXXX. I paid a total of {$1500.00} on XX/XX/XXXX. I've been doing a lot of research since then and found that I did not owe any debt and I'd like my money back
Complaint sub-issue: Reporting company used your report improperly

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

Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX 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: Information belongs to someone else

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists and Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA XXXX this information must be blocked immediately until investigation is over.
Complaint sub-issue: Right to dispute notice not received

My property management placed the judgment for a debt with a debt collector and reported the debt to XXXX. I have disputed the amount of the debt with XXXX who rejected my dispute. 
The court judgment amount is for {$2900.00}, which I am willing to pay. However, the collection amount placed by property management is {$10000.00} which is not allowing me to seek financing to purchase a home and overall has fractured my credit.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX submitting this CFPB complaint today to request the removal of the frqaudulent items reporting on my Credit Report. I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem with fees

I made a credit card purchase for {$33.00} that I charged it to my Sears Mastercard managed by Citi. The due date to pay the credit card was XX/XX/XXXX. Unfortunately I misplaced the bill, found it, then paid it on XX/XX/XXXX. I called the 800 number on the back of the credit card on XX/XX/XXXX. I spoke to a lady, explained that I had misplaced the bill, had never been late before, then requested that Citi waive the {$30.00} late fee. There was short delay while the representative checked my prior payment history. When she began speaking to me again, she said that the records indicated what I said is true and as a courtesy she is removing the {$30.00} charge. She added that it was good of me to call to explain why I was late. In the beginning of XXXX, I received a subsequent bill from Citi Sears Mastercard that not only did not reflect the promised {$30.00} credit, but an additional {$42.00} late fee was added. On the XXXX of XXXX I called again, spending almost an hour with another lady explaining what occurred before a supervisor joined in on the call. The supervisor told me that she would remove the additional {$42.00} fee but I would have to pay the initial {$30.00} late fee. At this point, frustrated, I told both of them that I expected to get what is promised and to cancel the credit card. Since then, I have received another statement so I now have been billed {$110.00} in late fees for a {$33.00} purchase that I paid approximately two weeks late. Additionally, Citi sent me a demand letter for payment stating that my failure to pay may result in them sending a negative report to credit bureaus and I received computer generated telephone calls almost daily requesting payment for the fees. Included with this complaint is a recent letter to Citi along with supporting documents. As a follow up, I received a telephone call yesterday from a different representative who told me that Citi Bank company policy only allows them to waive one late fee, therefore she is unable to do anything more at this time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX / XXXX /  XXXX   Johnson Mark LLC pulled my credit without my knowledge.
Complaint sub-issue: Denied request to lower payments

We purchased the vehicle in XXXX of XXXX. Since then we have had XXXX children ( both XXXX XXXX XXXX and lost wages ) I am currently XXXX with our XXXX baby. We had to move and in XXXX of XXXX I made a payment and was told it was for XXXX. Today XX/XX/XXXX, I spoke with XXXX. She states that I now owe for XXXX, XXXX, and XXXX and that a right to cure letter was sent to my current address ... that we moved to 7 days ago, stating that we were in default and had to be completely paid by XX/XX/XXXX. I explained we just moved to this address and I never received the letter. She said regardless I needed to pay by Saturday morning. I do not have the find until XXXX and explained that multiple times. She stated I needed to pawn items, borrow money, get a payday loan ( which are illegal in Arizona ) or she would start calling the references we provided to ask for money. I asked what would happen if I didnt pay by Saturday and she refused to tell me. She said she would notate the account. Its currently 68 days past due as of today the XXXX. I am receiving a settlement payment around the XXXX and had planned to make it completely current then. They have also reported me late multiple times in one month to the credit bureaus so its hitting my credit 3-4 times a month.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information being reported by the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

I am coming to you for assistance dealing with a Fraud Scam issue. I am a XXXX XXXX XXXX senior citizen that lives alone. I've had a Citibank relationship for 25+ years. I rely on my iphone to pay bills that I review carefully every month. I have minimal computer skills. I have NEVER used XXXX and do NOT have knowledge about it being connected to any of my bank accounts. I was getting a membership with an online dating service : XXXX, when I logged into XXXX I encountered a problem with my XXXX. I enlisted a computer company : Support @ XXXX and a technician fixed the problem. Now I was able to sign onto XXXX. 
Within an hour I received a phone call from XXXX who identified himself as a XXXX representative and told me that my subscription was cancelled, but he would help me reinstate my XXXX account. I agreed to let him help. I do not recall the questions/requests he made of me, however he had me do various transactions with XXXX which XXXX was TOTALLY unfamiliar with. He had me do approximately XXXX XXXX transactions totalling {$8700.00} on XX/XX/XXXX and more on XX/XX/XXXX. He also had me purchase {$3000.00} worth of gift cards.For detailed information please see attachments with Fraud Investigations and Police Involvement.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries are fraudulent please remove them asap. Also Please update my name to XXXX XXXX as it state on my Passport which I've included. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Back in XX/XX/2022, I noticed USBank has an online AD shows they provides a {$400.00} welcome bonus offer for new personal checking account ( needs to complete recurring direct deposits that total {$4000.00} in first couple months ) I opened checking account via USBank 's website with Promo code " XXXX '' on XXXX, and start using this new personal checking account as my salary direct deposit account. 

By now, I already made more than XXXX direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. 

I contact USBank customer service more than 5 times in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.
Complaint sub-issue: Personal information incorrect

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 C.L.U.E . Report and other furnished Lexis Nexis, 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 name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX XXXX  XXXX, XXXX, 2. XXXX XXXX XXXX, XXXX, I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I decided to check m credit due to me being away for the past 2 years. I finally have a new job where I am at home now. My kids decided to tell me that they tried to apply for loans and credit cards in my name online so now I have 12 hard inquires on my account. I called all the companies and they told me there was nothing that they can do about it. I called Equifax and they told me they were coming back verified. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX 2021
Complaint sub-issue: Used obscene, profane, or other abusive language

Received vague and seemingly threatening voicemail from a local area code. Unidentifiable company, generically named representative XXXX XXXX XXXX gruff voice, curt speech like an interrogation not a customer service agent ), attempted to use my mothers XXXX real ) name to bait me into calling back at a different XXXX number. Dont know how they got it, as she doesnt have any debt and I care for her in-home. That alone is despicable. Also claimed I was a person of interest which is cop lingo for wanted and I feel uncomfortable enough now that I need to report it. 

Based on the similarities of others online ( over 100 cases I saw for the same thing or similar, all listed XXXX XXXX XXXX, I did not return the call. I dont believe this to be legitimate. Transcript below. 

Hello this is XXXX XXXX with MAC the reason for my call today is because we had you listed as a reference for XXXX XXXX. If you know who this is please press one now or hold for a message. ( Pause ) You are listed as a person of interest in an important matter that does require your immediate attention. Contact us directly at XXXX.
Complaint sub-issue: Problem with fees

I went to make a payment threw Home Depot 's automatic phone system, XX/XX/XXXX, it would not take the minimum amount it was telling me because it did n't pick up my voice. It then put me with a representative and she then told me my minimum payment was {$110.00} and if I did not pay that I would have another {$35.00} fee, after the automated system said it was {$60.00}. I then threw speaking with her found out that I have been making the minimum payments from what I 'm being told by the automated system and am getting charged a {$35.00} late fee since XX/XX/XXXX 2017 because  apparently it 's not the amount they expect from me. I was angry and hung up. I then waited untill Thursday XX/XX/XXXX when my payment is always due thinking maybe the system would then tell me the {$110.00} was due. As of XXXX it was still telling me the minimum payment was only {$60.00}, not the {$110.00} the representative told me. I spoke with another representive and after a half hour I was told that they would only refund me 1 late fee and my interest. They have charged me over {$200.00} in fees and they only wanted to refund me {$47.00} ... I did not receive any refunds. I hung up and said I would be reaching out to everyone and anyone to hopefully get the help because of what they have done to me and god knows who else. Also I want to add that I have never received any bills from them, never even thought about it because I receive everything threw my email. I told them this and they are supposed to be sending me all my bills. I hope I canget some help.
Complaint sub-issue: Reporting company used your report improperly

In 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

( Equifax breach ) On XXXX XXXX 2017, I was told that my personal information including SSN and address might have been disclosed. This raised a lot of concern regarding my personal information and has seriously disturbed my work and life.
Complaint sub-issue: Information belongs to someone else

There are a couple of accounts on my report thats not mine. Please remove them.
Complaint sub-issue: Debt was result of identity theft

Back in XXXX of 2020 I called to the company who is looking to receive a payment from me. I told them I never had a XXXX phone bill or a contract with them. That it was fraudulent activities