Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Debt is not yours

This account is not verified yet it's being reported on my credit report. I called to verify with no success, called to reach a settlement in order to delete and had no success, senior director is offensive and hangs the phone on me. This company is a scam and should be investigated. I demand all associations with this company be deleted from my credit reports immediately.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through  audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

THE XXXX XXXX XXXX, XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was a victim of the Equifax data breach. 

I was a paid subscriber for many years, recently after I was a paid consumer I went to refresh my credit score, I was met with a prompt that before I could refresh I a had to agree to hold them not liable for the data breach. 

I got a copy of my Equifax credit report with many inaccuracies including hard pulls I never authorized, I wrote them and they refuse to investigate, they offered no evidence these inquiries are legitimate and I to, d them that I never authorized these inquiries.. the letter they sent me, ( I will include a copy ) they stated these are a matter of fact, but the the fair credit reporting act says that I had to authorize these inquiries which I did not ...
Complaint sub-issue: Information belongs to someone else

all 3 CRA reporting account of public records outdated reporting SINCE 2011, not my account/ never file bankruptcy, incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX This is a fraudulent debt collection. I do not authorize this. Please investigate.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a treadmill from XXXX XXXX XXXX The billing date was XX/XX/2022. There was an introductory free XXXX interactive service that could be used with the treadmill. It was free for a month. Of note is my treadmill did not work. I contacted XXXX XXXX XXXX via email on multiple occasions ( a waited on hold for hours while never getting someone to answer ). When I received a email on XX/XX/XXXX indicated I would now start being charged, I sent an email indicating I did not want the service -- -- I couldn't use it with a broken treadmill nor did I want to pay XXXX. 

XXXX attempted to charge me for the service on multiple occasions. Discover Card sided with me on the XXXX instance which was likely XXXX but since then have sided with XXXX. They have indicated that since I never received an acknowledgement from XXXX, they were going to side with them. 

Note that it is in XXXX 's best interest to ignore my cancellation and continue charging me. There is no incremental cost for them whether I used the platform or not... but I never used XXXX. It is in XXXX 's interest to continue to ignore my requested cancelation and charge me. 

Of note, I have never used the XXXX service during this period. 

I have since cancelled my credit card with Discover Card after being a customer for decades. There are multiple charges either under review or Discover sided with XXXX. The total amount in dispute is likely XXXX. 

During my most recent conversation with XXXX from XXXX on XXXX, I recorded the conversation including their position that I needed an acknowledgement. XXXX was aware the conversation was recorded.
Complaint sub-issue: Debt was paid

I have tried to fix the situation with this company multiple times with XXXX XXXX XXXX XXXX  This debt that is not mine which is a result from identity theft, this company has been paid using a 1099c and the company is still reporting negatively on my consumer report. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter with police report and identity theft report and yet they refuse to remove the item from my consumer report. I am now demanding XXXX XXXX XXXX XXXX  to properly remit 1099c so that I can properly file my taxes. I am demanding that XXXX XXXX XXXX XXXX send me a copy of the 1099c b for the debtor documentation that XXXX XXXX XXXX XXXX has already transferred over to the treasury. Also i am demanding that fair collection & outsourcing contact all 3 consumer reporting agencies and update the status of the consumer report to paid or remove the identity item from my consumer report either or because this is not my debt but since they have already been paid they have a choice to either update my consumer report to paid as agreed or remove and remit payment and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for. I am also aware of the certificate of indebtedness which XXXX XXXX XXXX XXXX has used as assets on the trading market also files a 1099 c with the IRS for all debt over {$600.00} yet failed to provide.I know that XXXX XXXX XXXX XXXX is trading my securities through the trade market system if not i will have to take extreme measurements in federal court which is the proper venue due to securities being involved. Along with IRS FOR TAX EVASION.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Company is extremely harassing ; This debt should n't even still be on my credit as I have already cleared this up in early XXXX - I do n't understand how a hospital can just take your money and act like you NOW owe a seperate agency. Something is definitely wrong with these two companies.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have on numerous, document occasions, attempted to resolve the unfair and deceptive practices performed by Citibank. Despite refusing to provide the bonus offered in unsolicited advertising sent to me, Citibank continues to send me unsolicited offers for similar cards for which I have no idea whether they will honor or not. 

This is unfair and deceptive. I require you provide the advertise offers you send me. 

If you make a mistake and send me offers which I then respond to, you should acknowledge your mistake before I meet my end of the implied contract. 

If you can later determine I am ineligible, do not send me the offer in the first place. 

Please provide appropriate restitution for your actions.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX n accordance with the Fair Credit Reporting Act XXXX XXXX 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. 

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, othe than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 A-1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$13000.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Complaint sub-issue: Problem with customer service

I don't have any outstanding issues as of now. I am making this complaint in public interest. My complaint is that it is super hard to contact Mohela to get information. One has to wait for around XXXX hours on the phone to get in touch with someone at Mohela. 

After trying to get in touch with Mohela over many days in vain, i took one day off from work specifically to call them. I contacted Mohela, my student loan service provider via phone for information on student loan on XX/XX/2022. I called on their number XXXX. I was put on hold for XXXX hours and XXXX minutes. 

While I was able to get in touch with customer service at Mohela on XX/XX/XXXX after the XXXX hour wait, I had to forgo my income for that day. I am sure that many people are struggling with the same issue. When i asked the customer service person why there is such a long wait, i was told that it is due to the high call volume. In contrast calls i made to XXXX XXXX XXXX ( my first provider before loans got transferred to Mohela ) where answered in less than 10 minutes. I am sure than such a long wait time for Mohela is to dissuade people form contacting them.
Complaint sub-issue: Loan sold or transferred to another company

Please send me The Account Statement for XXXX to my address XXXXXXXX XXXX XXXX XXXX XXXX oh XXXX immediately. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX & Equifax remove this from my report immediately.
Complaint sub-issue: Account status incorrect

On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " NOT '' provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.
Complaint sub-issue: Company closed your account

On XX/XX/2021 I received a letter dated as of XX/XX/2021 informing me that due to a recent review, Citibank decided to close my checking account. They also mentioned that the account will be closed on XX/XX/2021 but my debit card will be canceled 5 days before that. 

They provided a phone number, so I called to ask why, without any response, they asked me to go to a branch and they would help me out. At the branch they told me they couldn't help because the account was already submitted to be closed. I called to the number they provided and told them that branch couldn't help so they gave me a number and a name of the person who made the decision to close. I've been trying to reach out to this person to ask her about the details of why they decided to close my account, without any success. I've been calling everyday since, leaving voicemail with my information, and never received a call back. 

Last Friday when I called customer service again to explain that I couldn't communicate with the person in charge of the decision, they suggested to go to a branch again since they would be able to help me start a cancellation process. So today, I went to a branch and spoke to an executive, she confirmed that there's nothing else to be done and that the decision has been made. She mentioned two important things in regards of the closing process : 1. Excessive flow of cash.

2. Business activity in a personal account. 

I asked her how much is excessive and she couldn't give me more details in regards of the amount nor the activity that is causing the closure. 

In the end, they are going to proceed with the closure of my account and I still don't know why. I use this account to send money to XXXX for personal expenses that I make on a regular basis ( as lots of people do ). I've been doing this for the last 10 years without any problem and suddenly they decided to close it and no one can give me a straight answer on what I did wrong. 

Also, worth to mention that the treatment that I received, from the executives I talked to in the branches, was very unkind, as if I were doing some sort of criminal activities and they wouldn't want to share any details with me. They just saw the letter and changed their attitude towards me.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I applied for a parent loan for my child going into college. I was denied this loan and advised that a charged off account was added to my equifax credit report. I called the credit bureau and had to wait for a copy of this report to be mailed to me. I then learned that a relative had a charged off with a credit card company between XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX this relative 's debt appeared on my credit file and showed me being an authorized user on the account. I had no knowledge of this account or my alleged status of the being an authorized user. I contacted Equifax and submitted a dispute of the information. I also have been calling this financial institution and advising them that I never gave my consent to be added to this account and have requested that I be removed and provided with any proof of my relationship to this account. As of today, this company has been unable to provide any of this documentation and has continued to say that they need to check their records. I even had the person who's account it was provide me with a letter saying that they have no knowledge of me being associated with their account and wishing to have me removed from this account as an authorized user. Despite this information, Equifax completed " its investigation '' with no supporting documentation from this company and will not have me as an authorized user removed from my credit profile. I am unable to get any resolution with this bank or equifax. I never had this card, used this card, made any purchases, or participated in any of it's debt accumulation.
Complaint sub-issue: Debt was result of identity theft

I had credit card fraud in XXXX. This about the time I received daily calls from XXXX XXXX XXXX XXXX. I also received a call from XXXX XXXX XXXX out of Texas. I returned call twice to ext. no. and left message with no response. I then called hunter and explained that I did not do this purchase. The rep. said it was shipped to XXXX. I live in XXXX. The calls stopped until wed. XX/XX/XXXX. Now I have received 5 calls since. 
Now Hunter sent a bill XXXX XX/XX/XXXX for {$100.00} with interest. I have never heard of this co.. I did not open account or authorize it.
Complaint sub-issue: Received bad information about your loan

I received text messages and phone calls from MRS BPO LLC about a collections balance. The offered me a settlement of {$3700.00} to pay off a balance for XXXX XXXX XXXX student loan account that was in collections. XXXX XXXX told me that I had until the XXXX of XX/XX/XXXX to pay the balance. XXXX XXXX XXXX XXXX lend me a loan for the balance to be paid. After the balance was paid XXXX said that XXXX XXXX would be notified that the balance was paid in full. After several attempts to contact XXXX I finally got in touch with a representative today XX/XX/XXXX, and she said that she had not heard of the company MRS BPO LLC and that they may have had me pay a balance of a loan, that had already been removed from my credit. One of the loans was removed from my credit in XXXX when I appeared in court. The representative had been believing that I was paying a collection balance that was " currently '' reporting on my credit from XXXX XXXX. Instead this company had me pay a balance that I was no longer obligated to pay and had already been removed from my credit. I want my money back and this business to be reported for bad business.
Complaint sub-issue: Debt is not yours

I received a statement by XXXX mail from I.C. SYSTEM INC. XXXX XXXX XXXX XXXX XXXX, MN XXXX, I.C. System XXXX XXXX : XXXX ; account no : XXXX. XXXX, " We are trying to collect a debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. '' The debt amount is {$5.00} owed as of XX/XX/XXXX, according to this statement. They list XXXX XXXX as the " original creditor, '' at XXXX XXXX XXXX  XXXX MD XXXX. Again, I have contacted XXXX XXXX and they reassured me that this debt is not owed, and suggested it might be a sca I have contacted XXXX XXXX via my account to verify and confirm that I do NOT have any outstanding debt with XXXX XXXX. I have also combed through my XXXX XXXX statements back to XXXX of XXXX looking for any {$5.00} charge within the billing statements and found no reference to this amount. 

With this in mind, I am asking for your help. I am very hesitant to respond to this company. I think this XXXX be a fraudulent attempt at my identity or a scam.
Complaint sub-issue: Frequent or repeated calls

I purchased appliances from Conn 's Home Plus. I used their in-store credit to finance the purchase. I made the first two payments in store and neither were credited to my account. I received collection calls and informed them I have made my payment, I also discussed the issue face to face with the manager in-store, both call center and store manager assured me it would be corrected. It has not only not been corrected and credited to my account, the collections center calls my phone 8- 10 times a day. They call repeatedly even though I remind them the payment is in dispute. I also asked them not to call before XXXX since I work nights, they ignored that request.When I complained about the excessive calls the operator responded " yeah that tactic is quite effective. '' I have lost sleep and productivity at work due to the hourly calls. If I actually owed the payment it might not be so stressful but since I do not, it 's quite frustrating. I will attach receipts where I paid my bill and also screenshots of my phone call log, there 's is the only number so you can see how often they call. A quick internet search reveals I am not the only customer being harassed by this dreadful company. ( I had horrific delivery and installation issues as well but that 's for another forum I suppose )
Complaint sub-issue: Fee problem

On multiple dates ( over 5 ) my paycheck was held for 7 or more days, after contacting the Bank I was told they would look into it, and that no fees would result from this. But nothing has be resolved and I have now received over {$500.00} in fees because of autopay bills. Now I can't get ahold of the corporate office and people at my local branch just tell me they will look into it but never call me back.
Complaint sub-issue: Overdrafts and overdraft fees

I have had a disgusting experience with citi bank. I was asked to verify my identity with citi bank and I did, I provided all government documents and I was able to login again but I stopped using citi bank card because the card was horrible it didnt work more times than I can count so I logged in again and tried to tell a representative but they told me that I once again have to verify my identity for absolutely no reason AGAIN. Everyone that works with citi bank is terrible. I get into my account and I find unauthorized deductions from my account for a check fee yet I have never touched a check from these people and so I brought it to a representative the quarter wit wanted to play like it wasnt there and I wish I recorded every single one of their call with me. I left the account alone because I was so ready to just head to citi bank extremely aggravated. I come back to my account to see that according to new updates to citi bank I no longer have any overdraft fee charges but these people still want me to give them money so none of this made sense, I check my statements to see that I owe nothing and they keep messing with me still! Every time you get on the phone with these people they force you to just between several departments and several different numbers, everyone that works there needs to be fired for lying and horrible help. I made sure to take screenshots of the proof and only when I found out I owe nothing these people closed my checking account to hide