Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX. I was notified by XXXX of a collection item from Procollect , Inc for {$450.00} for a Utility Bill out of XXXX TX. This item does not belong to me, and I never lived in Texas. I begin to reach out to this company to have this item disputed and removed from my credit report, because it is fraudulent, but this company has been nothing but rude and disrespectful to me. I have tried contacting them numerous time and no one will help. They even tried to make me pay this debt when I explained multiply times it did not belong to me. Since then, I have started the Dispute process with XXXX and other Credit Bureaus as well filed a police report. This company address is XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX. Phone Number XXXX. Please help me with the matter, so others won't have to experience this terrible treatment as well.
Complaint sub-issue: Don't agree with the fees charged

Good afternoon, This is in regards to the fees from XXXX XXXX XXXX XXXX University from the Spring and Fall of XX/XX/XXXX which I did not attend.

In Fall of XX/XX/XXXX I transferred from XXXX to XXXX. It was my first time attending a private college and I was working full-time. 

Unfortunately, I was working as a XXXX at XXXX XXXX XXXX XXXX  and the XXXX was going through a high turn-over and was under new management. XXXX XXXX XXXX XXXX  XXXX were unable to work with my school schedule and I had to drop out mid-fall semester XX/XX/XXXX. I never returned to XXXX. 

However , XXXX XXXX and I had email correspondence prior to the beginning of Spring XX/XX/XXXX Semester in hopes of returning. I had added courses in that attempt. XXXX XXXX advised me that I would not be able to attend the classes I selected because I did not have the prerequisites ( XXXX courses ). I followed up with a phone call at the time as well. I was then unable to drop these classes that I could not take because there was a hold with the health clinic due to vaccinations of the XXXX shots. I did not have the money to pay for these vaccinations. 

I am now in XXXX dollar debt because of this situation. 

I called several staff members of the XXXX system asking for help to clear this. Some replied others never did. I was able to get a female advisor in financial aid to assist me somewhat. I was told that I needed to come up with proof in order to remove these fees from my XXXX   record/credit. The proof was that I show XXXX that I notified someone of my work changes in schedule. 

I have spent the last three years trying to resolve this. I have sent them countless emails to advice they are charging me for classes I never attended and that I could not drop these classes due to the holds on my records. 

I am unable to access emails from XXXX XXXX and other professors discussing the fact that I will not be attending and emails from XXXX XXXX XXXX on campus stating I had a hold on my records. These emails were erased from my XXXX email account as time goes by. 

XXXX XXXX has helped me but Great Lakes is stating that I owe XXXX approximately XXXX dollars. 
I did not attend Spring XX/XX/XXXX. I do not understand why the teachers would continue to bill if I was not there for the first day of class as I was told that I did not have the prerequisites per XXXX XXXX. 

I have forwarded you all the emails I could find on my personal email account to support what I am saying. Please help me. 

Thank you for your time. 


XXXX XXXX XXXX XXXX regards, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On X/XX/2016 cbna did a hard inquiry and I have no idea why they did it or who they are.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
1.XXXX XXXX XXXX XXXX , 2. XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

My son was taken to XXXX XXXX in XXXX, XXXX by his mother. My son 's mothers name is XXXX XXXX, Me and XXXX XXXX were not married and I had no legal obligation to pay her debts. I was not present when XXXX XXXX took my son to XXXX and I signed no papers excepting responsibility for the payment. XXXX XXXX XXXX had XXXX bill her insurance for the visit. I was not on XXXX XXXX ' insurance but my son was. 

XXXX has repeatedly billed me for the visit. I told XXXX I did not take my son tot he visit, but his mother did and she is responsible for the bill. XXXX has continually called me and sent letters to collect the debt, I have repeatedly told XXXX that I am not responsible for the debt. 

I just received a collection notice from a debt collector for the bill. I called the debt collector that I was not responsible and wanted to dispute the debt. When I asked how to dispute the bill, the caller hung the phone up on me. 

It is wrong for XXXX to continually harass me for the debt which I am not responsible for. The name of the debt collector is : Professional Credit Service XXXX XXXX XXXX XXXX OR XXXX My account number with them is XXXX. 

I would appreciate help with this matter.
Complaint sub-issue: Other problem

I disputed a a charge on my Citibank MasterCard with Citibank. I was advised by Citibank that the merchant had agreed to tissue credit on my account. They had originally put a temporary credit on my account but then removed it. I contacted them at least 20 or more times via phone, online chat, and written correspondence. I was assured repeatedly that the account would be credited and that any interest accrued would be removed. Citibank never called me back as they stated they would. They never posted the credit and then when I called them again they said they had no record of merchant issuing credit. They contradicted themselves repeatedly. I have numerous print outs that show where they said the account would be credited. This charge needs to be credited. They never followed up with me and assured me all along that the merchant issued credit.
Complaint sub-issue: Information belongs to someone else

I've been pretty consistent with pe.ying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX some inquiries e.s well the.t e.re not mine ALL 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. I have contacted the FTC and police.
Complaint sub-issue: Reporting company used your report improperly

My communication is in regards to the Macys account furnished on my consumer report that I want deleted. Now, according to 15 USC 1681a ( 2 ) ( B ) it says a consumer report does NOT include 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 a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is, the term credit card mean any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the card I used to grant the right to this debtor making it a creditor, to then extend credit back to me. This is a violation of the FCRA and a consumer right to privacy. Congress clearly states what should be excluded from a consumer report therefore delete this account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I sent a letter to Equifax regarding my rights being violated. Equifax is completely ignoring the law. I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. You are required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation showing that you have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.
Complaint sub-issue: Problem with personal statement of dispute

I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT THE CITY OF XXXX I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/XXXX, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 I deposited a check in the amount of XXXX and per app, {$200.00} was immediately available. However, the check was indicated as accepted. I assumed like many banks they placed a hold on the check to make it available the next day. The next day, I received no communication, and no funds availability. I called to inquire, and the rep said " the system '' put a hold on the check that would be released in a day or two, but could provide zero information beyond that. I contacted the person who wrote the check to make sure the check wasn't written on the wrong account or something. and they stated the check had already been cleared electronically from their account on the XXXX. On the XXXX I contacted US Bank again, and they said they didn't know why but they'd escalate to have the hold removed as nobody could see why it was on there. I explained that I have received no communication of any kind. On the XXXX. the check still wasn't available, and now it's the XXXX and it's still not available. I called today to inquire. The rep was rude. She stated that it's a system hold. I then pressed her as to why I haven't had any communication. US Bank is required to notify a customer if they're holding a check. US Bank is required to make the first {$200.00} available at minimum. I understand the check is a relatively small check, but it's principal at this point. US Bank is operating with complete and utter disregard for United States Law and Regulation. When I asked the rep why US Bank has not complied with Federal Regulations, she said she didn't place the hold. I asked who did. She said the Branch did. Huh, the branch? I've never stepped foot in a branch. So she said someone in my Branch, which is unbeknownst to me, placed the hold and they would have to take it off. I said I'd never been in a branch in my life. She asked if I still live in XXXX XXXX. I said aren't you supposed to know that to comply with Federal Law?!?!? She said she was just asking. So lets get this straight. A check deposit was placed on hold, then I was never notified, then US Bank allows someone in a branch in a grocery store to go in and place an arbitrary hold on a check that violates the {$200.00} funds availability regulation, then doesn't send the required communication to the customer violating the customer notification regulation, then collects interest on my deposit for an undisclosed period of time, also violating banking regulations, and can't give me any answer as to who, when, or why. So naturally I asked to speak to a supervisor and at which point that agent said nothing and disconnected the call. Five Star Service Guarantee. Seems US Bank should be mandated to remove that from their logo if they don't act or practice anything resembling what they promise to deliver on that " five star service guarantee '', much less what the law requires ( UDAAP ). 3 calls, 3 stories, 3 violations ( deposit funds availability, customer notification, 3 people not actually even knowing if the system or a person in a grocery store in some random locale )
Complaint sub-issue: Unexpected increase in interest rate

We called USbank to inquire about the interest that accrued on the account. We thought we calculated the correct amount to pay for any purchases that would accrue interest. We received the statement which showed that even though we paid over the amount of our purchase that month, we were still charged for interest. We only have 0 % bonus transfers besides the purchases. The supervisor ( XXXX  ) was not able to articulate where the interest accrued or off what balance. He said that only of we paid off the entire balance that we would not be charged this interest. I feel if USBank can not provide a payment history or how the interest was calculated, then this is a deceptive practice. When we saw this the prior month, the interest charge was removed after speaking to USBank. We would like to understand how to avoid interest charges on our purchases.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing an account in my credit report and the bureaus have not given answers as of the status of the disputes so far. 

I started sending letters from XXXX
Complaint sub-issue: Problem with personal statement of dispute

I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.
Complaint sub-issue: Attempted to collect wrong amount

XXXX Gym continued to bill me after I cancelled my membership. I joined this gym end of XX/XX/XXXX. Froze my account XX/XX/XXXX, cancelled membership XX/XX/XXXX. XX/XX/XXXX I see a charge from the gym again. I called the XXXX XXXX manager, who said he 'd cleared my account and that I should call his gym 's headquarters, XXXX that handles billing for him. I called XXXX, the rep. also told me that my account is cleared with them. This was back in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency stating I owe XXXX Gym {$51.00}. I ca n't call the gym, as it 's closed now. So I called XXXX, now they tell me they tried calling me in XX/XX/XXXX about the charges, that even though membership is cancelled they charge XXXX more month of dues ( XXXX ) and an additional return fee of {$25.00} XXXX I had disputed the XX/XX/XXXX charge with my credit card ). I wish XXXX told me about the XXXX more month charge when I spoke with them in XX/XX/XXXX Also nothing about XXXX more month payment was when I was signing up with XXXX Gym. These deceitful practices must stop!
Complaint sub-issue: Account status incorrect

LAst spring ( 2021 ) i went into the XXXX XXXX MD Best Buy to purchase XXXX TV 's for my new XXXX XXXX  condo i was furnishing. Time was important since I wanted to rent the condo immediately and it had to have TV 's. 
I also had Best Buy agree to install them. 
The man who helped me got me to pay with both my debit card and a credit card he asked me to apply for. 
He said BB would contact me shortly to arrange day and time for the install. 
Unfortunately, when i spoke to the delivery dept. in XXXX XXXX  they said they could not deliver the TV 's for several weeks. 
That was much too late so i told them to cancel my order. 
I also went to the XXXX XXXX store to ensure they canceled my order and refunded my money. 
They assured me they would. 
Instead, i have been receiving bills and threats ever since from Citibank ( Best Buy 's bank ) demanding payment on my credit card for TV 's i never received! 
I asked several times to speak with a manager at Citibank but they always refuse.

I have tried to contact the district manager of Best Buy but he never returns calls or e-mails.

Citibank has now begun reporting me to credit agencies as delinquent on payments for goods i never received and for an order i canceled immediately.
Complaint sub-issue: Information belongs to someone else

There are six accounts and some inquiries on my credit report that do not belong to me I have been in dispute for these for over two years the credit bureaus are not helping me out I have opened an FTC i have done everything in my powers to remove these accounts but they are not going away. 

XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$470.00} XXXX XXXX Acct XXXX XXXX Amt {$960.00} XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$130.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX Amt {$10000.00} XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Amt {$1900.00} INQUIRIES XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX - Inquiry date : XXXX XXXX, XXXX
Complaint sub-issue: Account status

XXXX XXXX XXXX Bank is reporting on my Equifax file it has reached time limit it can report. I have disputed this information with Equifax ; however, it is still reporting. I have called Equifax in regards to this negative mark ; however, Equifax is more concerned about me buying a product from them instead of helping me resolve this matter.
Complaint sub-issue: Account information incorrect

Equifax and XXXX is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my Equifax and XXXX credit report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX discover alerted me of unusual activity on my card as soon as I looked at my account and saw what was there I call my family to see who was using the card. At that time my sons discovered his wallet was stolen or missing. I immediately called discover to dispute they were friendly at first and reversed the charges. 30 days later and get a notice saying that since we didn't fill out forms there was no fraud and service rep told me the places were local you have been there before you are reasonable for the charges. I again said we received nothing nor any calls .she said she would reopen the investigation she said she did and wait 2 weeks for now forms ... i waited 3 weeks nothing I called back she didn't do anything the rep said and sent the forms when I got them I promptly sighed them and got police report incidents number as they requested. I waited 2 weeks later I called again oh yes we got your papers would you like to continue? I said of course why else would I have sent then. They have sent me a notice saying there done investigating and i am still response for these charges. this is after the police report saying the card was stolen. The following charges were not authorized by anyone on my account and discover can not sent me any proof showing me that these were done by anyone on my account. 
XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$84.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$51.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$28.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX  # XXXX XXXX FL in the amount of {$230.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$210.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$75.00}
Complaint sub-issue: Debt was paid

I had a lease with XXXX XXXX XXXX. I learned that the building had been water damaged and broke the lease. I subsequently filed a lawsuit to get back my security deposit, at the time the case was adjudicated, XXXX XXXX had made claims of money owed to them. They raised this in court on both hearing days. Ultimately, the case was decided as follows on XX/XX/2022 : The Court Finds in Favor of the Defendant The Defendant does not owe money to the plaintiff on the plaintiff 's claim No money is owed on this claim The defendants had 30 days to appeal the decision. The defendants did not appeal the decision and the decision was not appealed. About two weeks after the decision became final, the defendants contacted a debt collector to pursue collection of the debt they had sought in court. This time, as " XXXX XXXX XXXX  '' which is another entity within the XXXX XXXX XXXX structure and is thus in privity with XXXX XXXX and thus res judicata and claim preclusion apply. 

The case was over the lease, a contract matter. All issues under the lease -- both plaintiff and defendant ( the debt they are trying to collect ) were fully mature before the first hearing on XX/XX/2022. The issue at stake was breach of contract thus both the claim and the issue have been decided.
Complaint sub-issue: Information belongs to someone else

I was incarcerated for five years. I was released XX/XX/XXXX from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 

1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date Opened-XX/XX/XXXX Amount {$900.00} Remarks-Charged off as bad debt. Account closed by consumer. 

2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$0.00} Remarks-Charged off as bad debt. Purchased by another lender. 

3 ). XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened-XX/XX/XXXX Amount- {$1000.00} Remarks- Placed For collections 4 ).  XXXX XXXX XXXX XXXX  XXXX XXXX, NC. XXXX Date Opened- XX/XX/XXXX Amount {$180.00} Remarks- Placed for collections 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX Opened- XX/XX/XXXX Amount {$8000.00} 6 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX Date Opened- XX/XX/XXXX Amount {$97.00}