Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

My wages were garnished for student loan debt for two years, ending in summer XXXX. The creditor used a collection agency. I got a letter of release of withholding from the collection agency in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency saying that I still had a balance due - which shouldn't be legal, first of all. I called the collection agency in early XX/XX/XXXX and tried to pay the entire balance due off and they wouldn't take my payment, saying they had to verify the balance with the original creditor and that it would take a week ... while interest collects daily. These procedures should be illegal - if I call and wish to pay my balance immediately ( like their letter offered ) I should be able to pay the debt stated in their letter immediately.
Complaint sub-issue: Investigation took more than 30 days

All 3 credit bureaus ( Equifax, XXXX, and XXXX  ) have not responded to my letters since XX/XX/2020. 
XX/XX/2020 a debt verification letter was sent out to the bureaus and I received no response well over 40 days. 
I tried to be understanding due to the pandemic so XX/XX/2020 I wrote another letter to them stating due to them never responding to my letters by law they have to delete the accounts in question and its now XX/XX/2020 and I still haven't received any response from any of the 3 major credit bureaus ( Equifax, XXXX, XXXX  ). 
I'm usually a very understanding person but this is just XXXX. My credit is very important to me and right now the negative items in question are hindering me and my family from being able to move forward in life and I feel like the Credit bureaus aren't taking my request serious. This has to be against the law. I have went 115 days with no response from all 3 credit bureaus
Complaint sub-issue: Deposits and withdrawals

I had a mobile check deposit that I put into my bank and I got in the mail through XXXX  and I guess it was a bad check I don't know I just got it from a company for a survey so I put it through and they this is through Citibank and they did not want they did not contact me email me tell me my account was getting closed or nothing until today and this happened on Sunday night which would be the XXXX of XX/XX/2023 and so they close my account and I asked him why and they said they couldn't tell me and they closed it for a check that I still pending I never touched the money nothing and I had funds in there from my direct deposit from my paychecks and now they're telling me I have to wait 60 days to get my money and it's it's creating 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 and it's my direct depart my checks were going in there and everything and they took my money and everything and they wouldn't they can't they won't give me a reason I've called numerous times yes I've gotten upset and I've also asked to talk to him of supervisor and they declined to let me talk to the supervisor even fraud prevention declined to talk to me to talk to the supervisor she told me they'd call me back and I never heard from him I want to file a good complaint I would really like to sue him so if I can let me know
Complaint sub-issue: Account status incorrect

XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX ,  XXXX , and Equifax. This i s Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.
Complaint sub-issue: Information is missing that should be on the report

I have three different accounts showing on my Equifax report that has no owners name, the accounts just shows ( original creditor ). 

On XX/XX/2019 I sent a certified investigation letter to Equifax which was delivered on XX/XX/2019 ( Tracking # XXXX XXXX. XX/XX/2019 Equifax sent an updated report on the accounts included on the investigation letter that did not include the three ( original creditor ) accounts. 
XX/XX/2019 I ran a new credit report and the 3 ( original creditor ) accounts was still showing on my report. I then sent a certified discrepancy letter to Equifax on XX/XX/2019 which was delivered on XX/XX/2019 ( Tracing # XXXX XXXX. XX/XX/2019 and XX/XX/2019 Equifax sent a detailed credit report of the accounts that was on the discrepancy letter, and once again the 3 ( original creditor ) accounts was not on the report. 

XX/XX/2019 I ran another Credit Report from Identity IQ and the 3 ( original creditor ) accounts are still showing on my credit report as a collection/charge off, with a consumer disputes this account info, medical, subject has not satisfied debt. 

I have attached all the certified letters and results from Equifax where they never verified the debt and/or removed them from my credit report.
Complaint sub-issue: Personal information incorrect

My brother XXXX XXXX XXXX filed a bankruptcy and got a loan 2 years ago. and now i " XXXX XXXX XXXX '' is trying to get and build my own credit, but every time i try to apply i get denied because they always see my brothers history which is not mine. i wan na know how can i fix this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquires on my consumer report that i did not authorize, or give these companies permission to obtain my credit report. there are well over 10 inquiries reporting. This is crazy because it is hindering me from getting any new credit, it's hurting my mode of living.
Complaint sub-issue: Frequent or repeated calls

CITIBANK MY CREDIT CARD COMPANY FOR BEST BUY, I AM A BIT BEHIND BUT I HAVE SPOKE WITH SOMEONE THE FIRST TIME THEY CALLED, BUT EVERY DAY I GET MORE THEN XXXX CALL PER DAY AND SOMETIME THEY DONT EVEN SAY ANYTHING. CITIBANK OUT SOURCE THEIR WORK SOMEWHERE IN XXXX OR XXXX YOU CAN BARELY UNDERSTAND THEM. BUT I TOLD THEM MORE THEN ONCE STOP CALLING ME MULTIPLE TIME I HAVE ALREADY SPOKEN TO SOMEONE. BUT THE MANNER STILL CONTINUE
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a letter to Equifax, XXXX, and XXXX  for this inaccurate account that I found shockingly showing on my credit report. XXXX could not verify the account with the third party collector to be valid so they removed the item. Equifax and XXXX  responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but Equifax, and XXXX claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.
Complaint sub-issue: Account status incorrect

Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX I wish to state that I am a victim of multiple fraudulent events and identity thefts. Beginning with the Equifax breach exposing my driver 's license and social security number on the XXXX XXXX, followed by the theft of my vehicle on XX/XX/XXXX with my cell phone and multiple personal items never recovered ( please see police report ), leading into and throughout the worldwide pandemic, my financial position of strength, with scores in the lower to mid-700 's with each of the 3 main credit bureaus, was systematically destroyed in favor of lenders, collectors, credit bureaus, & other unrecognized predators.

People should not have to lobby for an act of Congress to receive basic financial protections each time they encounter difficulties, whether it is a lost job, being declared unemployable ( due to service-connected military injuries ), a death in the family, or a national or global crisis. Even during non-pandemic times, millions of Americans experience disruptions each year, leaving them to navigate the problematic credit bureaucracy with very few substantive protections.

The problem is that loan servicers, debt collectors, and credit reporting companies work for lenders, not borrowers, so they have little motivation to help. Consumers, like me, are caught we can not escape, unable to choose, or walk away from these companies. 
This statement is only the beginning of my revelation, of how I, a 100 % service-connected XXXX veteran, responsible citizen - has never been protected from the credit ecosystem, the CARES Act, the credit bureaus repeatedly requested to provide evidence and validation of erroneous accounts. 
They have violated my consumer rights and financial stability. I can not purchase a home of my own as I am entitled, through the VA and Department of Defense. Care for me as our financial institutions! The following lenders, collection agencies, thieves, con-artists, and other bullies in the credit game are being, and will continue to be, exposed for all the reasons I have stated thus far, and per my rights under the FTC, FCRA, FCBA, FDCPA, Attorneys General, Veterans Administration, Department of Defense, Local, State and Federal Government and the media ( all accounts except 4 are included on the attached FTC ID Theft Reports. The other 4, are in violation of the CARES Act and continue to report inaccurate data to the credit bureaus, despite constant communication with each ) : 1. XXXX XXXX 2. XXXX  XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX, {$2100.00} 5. XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX, Collection Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , Creditors & Credit Bureaus Reporting in Violation of CARES Act & Terms of Negotiations/Agreements During Worldwide Pandemic 1. XXXX  XXXX  - 2. XXXX XXXX  3. XXXX 4. XXXX XXXX
Complaint sub-issue: Information belongs to someone else

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX  Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Complaint sub-issue: Public record

I disputes liens on the Credit report from Equifax. My dispute was valid as said by Equifax. When I received my dispute listing that my leins should show released I pulled another Equifax credit report and the status of the liens had not changed. I called the customer service line ( in XXXX ) and they said they could n't understand why but could n't help me the supervisors name was XXXX ID XXXX.
Complaint sub-issue: Information belongs to someone else

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked Equifax where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX HOSPITAL )  XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX HOSPITAL ) XXXX,
Complaint sub-issue: Debt was result of identity theft

I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from Nelnet Loan Services. I had previously disputed this account. I have never done business with Nelnet Loan Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Nelnet Loan Services DELETED this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that Nelnet Loan Services pick in day in XX/XX/2018, where we can meet in XXXX. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I've attempted to fix this, and I keep getting stuck in what feels like automated responses with no one actually looking into my complaint or issue. I purchased an XXXX XXXX in XX/XX/2022 with Best Buy. I paid off the XXXX XXXX and my account balance was {$0.00}. I then started to be billed an XXXX XXXX  monthly fee for an XXXX XXXX XXXX. I attempted multiple times to use Best Buy 's automated customer service system to cancel this charge. It kept trying to cancel my Best Buy account, which isn't what I was trying to do. I do not recall authorizing this charge. I can not find any agreement or contract stating that my purchase was dependent upon the purchase of this warranty program, and I'm not required to have it to own my XXXX XXXX. Yet, I'm still being charged for it and now it was incorrectly reported to the credit bureau as delinquent and my credit limit was decreased, despite having tried to cancel this well ahead of time and despite never actually asking for this warranty in the first place. I feel like Best Buy has been deceitful in getting this added without any real intention on my part of purchasing it and they continue to harm me by requiring me to pay for a warranty I've never requested in the first place. 

I've disputed the late credit reporting directly with Best Buy and the response was returned within less than 24 hours. I disputed this with the bureau and again the response was returned quickly without any human actually hearing the complaint and addressing the issue directly. When I asked Best Buy to provide me proof that I made this purchase, they refused to do so. They offered to send me terms and conditions of the card, but not actual proof that I purchased the warranty. I do not want this warranty product, I have never asked for this warranty product, and I keep asking to have the resulting delinquency comments on my bureau removed. This is unfair to me to continue to harm me over an {$8.00} warranty that I never signed up for. I've paid for the watch, the only product I purchased. We are talking about a pure profit add on charge for Best Buy that I didn't ask for and Best Buy continues to charge me for.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on DSNB MACYS. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Investigation took more than 30 days

Equifax investigation has taken more than 75 days to investigate my initial dispute, and they have still have failed to respond more than 75 days later. I wrote to Equifax requesting an investigation to advise them of accounts showing Inaccurate, Unverifiable, and Incomplete on my credit report on XX/XX/XXXX. Equifax received and accepted through registered mail my dispute letter mailing dated ( XX/XX/XXXX ) and my follow-up letter dated ( XX/XX/XXXX ). To date, they have not done their duty as mandated by law. These erroneous errors are continuing to report on my credit report after multiple attempts to have them corrected. Under Federal Law, I also understand they are required to complete and notify me of their investigation results within 30 days, which I have given an additional 45 days due to COVID, which they have failed to provide me.
Complaint sub-issue: Didn't receive notice of right to dispute

I got an alert that XXXX XXXX added two accounts to my credit reports. I have not ever done any type of business with this company. They bought this debt from another collection company I did not owe which is not lawful and this company show be taken to court by the cfpb for putting false information on a consumer credit report.i am requesting validation made pursuant to the fair debt collection practices act and the fair credit reporting act along with corresponding local state laws. I am requesting validation that is competent evidence bearing my signature. showing that I have or ever have some contractual agreement obligation to pay XXXX XXXX.
Complaint sub-issue: Problem with fees

i was sent a letter stating a proposed fee hike in monthly interest charges of 26.24 % to account balances which were already at 25.99 %. Also, an increased late payment fee of {$27.00} or {$38.00} ( which would be used was not specified ) during six billing cycles for past due accounts. The letter gave an XXXX number to call to reject to the rate increase, which I did. I received the attached letter as a result.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax can not find my credit file XXXX and XXXX has no problem. I faxed the copies of social security and identification card to them, they responded that my file is still not able to be found by mail, with my name spelled wrong. I tried to call Equifax, according to their representative, they are not allow to talk or give any information if I cannot verify my identity (which is the exact problem that I have and need help with!). So again, I faxed Equifax with my social security, ID, and the letter that I received, to have them try to solve this issue. Still waiting for response ever since. It has been a month since I send my last fax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act XXXX Account # XXXX, # XXXX XXXX  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
Complaint sub-issue: Funds not received from closed account

XX/XX/21 I open a Citibank account online with a {$300.00} deposit from my primary account with another institution. XX/XX/21 the funds were available. I set up my job direct deposit and used XXXX in the Citibank app to transfer {$110.00} that same day. XX/XX/21 I received an email the account is blocked for my security. It is now XX/XX/21, the rest of my deposit and XXXX payroll check are now stuck in that blocked account I havent had access to since my initial deposit was available. I speak with customer service daily to no avail, I did not receive the XXXX debit cards they claim to send so I have not requested a check but they also have not offered it. I am unable to pay bills and make it to work due to the negligence.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sirs or madam I have obtained my Equifax report, this account XXXX XXXX XXXX XXXX XXXX, OH-XXXX shows numerous error ( s )  This is Not a Data Factoring account. Please remove this. 
It reports a One Month term which is false. Please remove this. 
The Estimated date of removal for the CA does not match the date that the original creditor, reports. Please remove this. 
The Date of First Delinquency with the Original Creditor is not provided Please provide this. Please remove this.The Date of First Major Delinquency with the Original Creditor is not provided Please provide this It has never been 12080 days late. Please remove this. The Balance is not correct. please remove this. 

I await your response, XXXX XXXX
Complaint sub-issue: Account information incorrect

I have never used any of these companies or services. Please remove.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On Thursday, XXXX XXXX, I brought may car to a mechanic to replace a rear passenger side seat belt. The mechanic quoted me between $ XXXX {$250.00} for parts and labor. I was notified the repair was done and texted an invoice for {$460.00}. I went to the mechanic and told them that's not what I was quoted and they told me I had to pay of they would not release the keys. I paid and the part doesn't even work. I went to another mechanic and supplied written proof the installed part doesn't work to Discover. I disputed with my Discover card and they investigated and sided with the merchant. Since then, I have escalated my dispute with Discover and all of the sudden, they decreased my credit limit. Ive been in good stating and my credit is good with Discover for many years. This event has impacted my credit score negatively.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

Equifax, XXXX & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XX/XX/2022.
Complaint sub-issue: Information is not mine

XXXX showed up on my inquires on my credit report did not apply for credit with XXXX