Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Used obscene, profane, or other abusive language

On XX/XX/XXXX, I received multiple calls from NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX, regarding and alleged medical obligation leading to a voicemail being left with an account number to alleged obilgation. I returned the call and was asked for verify myself upon requesting first and last name from representative I was told she was not obligated to identify her while had access to all of my private and personal consumer information insisting i verify whom I was when I was returning a call, she stated she would not be able assist and for safety reason would not disclose her first and last name which violates FDCPA laws further more the representative hung up. I repeated to call back to acquire information as into how this third party I have no entered any contracts with have my personal and private consumer information, I made five calls and each representative declined and refused to properly identify themselves on my third call the rep answered and said in quote " I was crazy " for asking him to identify and that statement caused deep emotional injury and damage. I spoke with a manager who agreed that reps are to identify themselves and should use profane or derogatory statements I asked if compliance would review all calls and we could resolve the violations in private however no one ever reached out to me. I did however start getting emails regarding the alleged obligation with no consent under regulation F but they continue to harass me. Today XX/XX/2022 I called in again seeking remedy and was told again the rep would not provide proper identification i was transferred to a manager who identified his first and last name and made him aware of the violations and he refused to address the matter at hand after asking him multiple times why his reps would not id he placed me on hold to confirm FDCPA laws and came back to the phone stating he doesn't have time to talk about the violations and hung up on me causing more damage and leading to more financial injury as no remedy can be made when they avoid assisting me or acknowledging their harassing and profane collections efforts pertaining to an alleged obligation.
Complaint sub-issue: Information belongs to someone else

IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I process a payment for rental a car online and card was accepted but when we visit the location they refuse to accept the card and decline the service.
Complaint sub-issue: Information belongs to someone else

I have an account that is unverified on my report the I have filed a FTC ID THEFT REPORT. I am looking to buy a home this year and I have done everything to deal with this account with no help from XXXX XXXX # XXXX.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX a fraudulent charge in the amount of XXXX USD occurred in my Citibank checking account. This was at the height of the pandemic and many Citibank accounts were compromised during this time. I attempted to dispute this with the merchant but was unable to reach them. I reached out to Citibank and they said don't worry we'll get this resolved. Citibank closed that account opened a new one and gave me a credit in the amount of XXXX. Fast-forward to XXXX of XXXX I was trying to open a new account for my business but was unsuccessful due to Citibank charging off my closed account in the amount of XXXX. My account was closed with XXXX balance there is no way I should've received a charged off XXXX reporting, especially for a fraudulent charge. I want this erroneous reporting removed immediately, so I can reopen a checking account and continue running my business.
Complaint sub-issue: Attempted to collect wrong amount

In end of XX/XX/XXXX I moved in XX/XX/XXXX with section 8 housing. My move in deposit was XXXX dollars.It was my self XXXX and my XXXX year old son and XXXX year old son. XX/XX/XXXX XXXX said my XXXX year old son violate my lease and they wanted me to moved the police was called and evidence was not found. XX/XX/XXXX moved off property, they over charged me for repairs XXXX, the repair that they would have made any way to rent apartment prices for carpet replacement and full apartment cleaning .. apartment was cleaned I think the charges are not fair rate can please look into it please
Complaint sub-issue: Debt was result of identity theft

Company is reporting negative information on my Credit report. Have attempted to reach out to the company to have them remove the negative reporting however they have failed to do so.
Complaint sub-issue: Information belongs to someone else

When I applied for a Home Equity Loan, an issue of a delinquent loan showed up on my credit report. I did not borrow the {$3000.00}. I have never heard of XXXXXXXX SST or XXXX XXXXXXXX XXXX  until it showed up as a delinquent account on my credit report. 

It showed up recently and not when the loan was originated so it is probably a problem with the reporting rather than the initial loan.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Old information reappears or never goes away

Equifax is improperly keeping old accounts in my file after that were lawfully required to remove them by falsifying the records and changing some of the information in order to retain the records for an indefinite period of time. Equifax has knowingly and interntionally refuse to remove/purge the negative/derogatory accounts in my file after seven years as required by law. They have done this by knowingly and fraudulently altering both the status and the Status and/or Payment History on the account. They have done this in order to prolong the account in my file. I have file numerous challenges to their incorrect information and have contacted them by telephone. Also, I have attempted to dispute the information many times. Equifax makes it impossible to rectify the problem. The US Government needs to shut these criminals down and ban them from keeping records of United States Citizens and they should not be allowed to operate in the United States.
Complaint sub-issue: Their investigation did not fix an error on your report

After submitting a police report and FTC Identity theft report the credit bureaus still have violated federal and state consumer protection laws and haven't removed the fraudulent accounts as of yet.
Complaint sub-issue: Reporting company used your report improperly

IN accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights 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 written instructions
Complaint sub-issue: Attempted to collect wrong amount

My son received XXXX XXXX on XX/XX/2016 from XXXX XXXX. Insurance paid a portion, which left a balance of {$270.00}. We relocated, so I did not receive the bills early on. 

The account was turned over to the collection agency, Receivables Management Systems ( RMS ). I discovered it because it showed up on my credit report. The balance had increased to {$530.00}. I've made multiple attempts to pay the original balance that was due. RMS continues to update my credit report and add $ XXXX {$2.00} to this balance every two weeks. The balance is now over {$700.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Investigation took more than 30 days

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$1700.00}, opened on XX/XX/XXXX being reported by Missouri Higher Educ Loan Auth on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Complaint sub-issue: Other problem getting your report or credit score

I have complained numerous times by phone to equifax to the following : 1. Unable to get my credit report or score from the online equifax portal. See attached. Keeps giving me an error that it cant give me info at that time upon logging in with my credentials.

2. When I was able to at access the report section one day my score has dropped Over 100 points for no reason and two days later it rose over 100 points making my score XXXX  to any creditors checking my credit. I noticed today it has dropped over 100 points again for no proper reason and the last time I complained over the phone with equifax they said it was a coding problem and this is damaging me everyday it the improper broadcasting of an improper credit score damaging me for credit when seen my my creditors and credit applications I submitted within this period. 

This is appalling!
Complaint sub-issue: Account information incorrect

My complaint is against BEST BUY/CBNA, account info : BESTBUY CBNA ac # : XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX, date open XXXX, balance {$0.00}. Back in XXXX the mentioned company mark my account with a XXXX late payment for a {$40.00} annual fee which I didnt even know I had to pay and in any case that annual fee was supposed to be paid automatically. I see this as an unfair business practice from the mentioned company and I want the late payment to be removed as soon as possible. I found out about this issue when my mortgage company has on hold a {$300000.00} home loan which they dont want to approve until this account has been corrected. I already gave a {$10000.00} deposit for the property. Im asking in a respectful and reasonable way to please remove that late payment for an annual fee from my reports as soon as possible. In the event that this does not happen I will take legal action on this issue.
Complaint sub-issue: Problem with fees

I closed my account due to fraud. I have a judgment against the people who used my cards and credit without my knowledge nor consent. This is why I closed the secured credit card last year. Instead of closing the card, Elan Financial has now billed me for the same amount of the credit. Basically, I had {$300.00} worth of secured money for the card, when I closed the card, everything was paid off. Instead of keeping the card closed, Elan Financial is now claiming I owe {$300.00}. When I've called them to dispute and state it is fraudulent, they continue to bill me and damaging my credit. This has caused me stress and ruined my credit history. My score has continued to drop due to the wrongful and illegal reporting. 

This is a money grab!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

The credit bureaus are reporting inaccurate information on my credit report I contacted them to delete the information. The accounts are not mine and inaccurate im submitting a copy of the letter I sent to them
Complaint sub-issue: Problem with fees

Hello, On XX/XX/2021 I went to make a payment on my Citi bank account. While I intended to make the minimum payment, I made an error and clicked on pay the balance in full, which was over {$2000.00}. When I realized this, I called Citi. The women I spoke with advised me that the payment was already processing and that Citi couldn't stop it. She recommended I put a stop payment on from my bank, which I did do. I assumed the problem was fixed. Again, I fully acknowledge, this was my error. 

Citi then tried to charge my account a second time. When I called them back, they told me that the payment would try to process 3 times, which I was NOT told the first time I called. I was told there was nothing they could do and I just had to wait for the process to finish before anything, including making a correct payment could be done. Again, I had my bank stop those payments. 

I understand submitting the payment three times is allowed under regulation. I understand, under regulation, Citi had every right to do this, but it's a bit mind-blowing that they have no control over their own systems to stop this. Or, perhaps, they just weren't willing. 

Finally, the website updated and said I owed a minimum payment of {$29.00} by XX/XX/2021. This was less than the original minimum payment of {$61.00} originally due, but this is what I was told to wait for. I paid that amount on XX/XX/2021. 

Now just today, I get an email saying my account is TWO payments past due and I owe over {$200.00}. 

I used their live chat to question this. I was told that the payment of {$29.00} was not enough and that this was because the statement went out before the payment returned XXXX I've attached a screen shot of this explanation ). Yet, Citi 's customer service told me prior I couldn't do anything until they tried to process the payment 3 times. 

How was I supposed to know this? How was I supposed to know that the amount Citi Bank was asking for " was not enough? '' I paid what my account, on their own website told me to pay. 

I am also told on the chat today that my account is 39 days past due. I strongly, strongly dispute this. Citi 's website was wrong, yet I paid what it told me to pay. A payment was made. 

I asked if this had been reported to the credit bureaus and I did not get a straight answer. I was told it could be reported at 30 days. I still have no idea if it was reported. 

There was no resolution offered to me. Citi 's customer service through this has been completely unhelpful. 

How can Citi put something on their website and then just decide it was wrong? Conveniently, they are making a late fee off it. 

While I again acknowledge the initial error was entirely mine, now I can't help but feel that Citi 's systems are set up to take advantage of the customer. 

This is unacceptable.
Complaint sub-issue: Contacted you instead of your attorney

merchants credit association representatives continue to harass me and my family even after i told them to stop harassing me and my family .calling others also filing lawsuit for medical bills due to car accident my attorney XXXX XXXX XXXX is handling.continue to threaten even when XXXX XXXX  ask them to stop .This harrasment need to stop immediately and lawsuit need to be vacated and deal with attorney that is handling itXXXX need to return the accounts back to original creditor .XXXX is not using merchants as collections agency.Merchants continue to use abusive tactics threaten and harass Washington residents .i have previously sued merchants while back they continue to use abusive way to collect money .Merchants need to stop this abusive practice or i will sue you.So many complaints and lawsuits for abusive practices why is merchants don't understand .calling people using unidentified numbers and different times .Merchants need to stop their illegal collection activity immediately.
Complaint sub-issue: Account information incorrect

Equifax continues to ignore my multiple disputes and violation of FCRA and consumer laws. Equifax has added more inaccurate and incorrect information for which I am also asking to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$710.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$880.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Account information incorrect

I contacted XXXXXXXX regarding two accounts reporting on my credit report as Charge Offs. They are updating the bureaus every month indicating that their is a balance owed. When I contacted them to attempt to resolve this balance and offer a lump sum settlement offer, I was told that these accounts are considered " dead '' and that I would not be able to make a payment over the phone or negotiate any type of settlement offer. 

After clarifying a few things with the representative, it became clear that they are making this an extremely difficult situation. I feel like they are creating a hostile and abusive situation designed to cause distress by reporting a past due balance on my credit record and simultaneously prohibiting me from resolving it. They are adamant they are NOT attempting to collect a debt, but continue to credit report. What a giant paradox. Credit reporting is an attempt to collect a debt, and I feel that they are violating my consumer rights by continuing to report this on my credit. IF this a a " dead '' debt, then remove the balance!
Complaint sub-issue: Information belongs to someone else

I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, Equifax and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX XXXX company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.