Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have 3 cards from this company. A fourth from work. This company has literally gone after me for my occupation XXXX XXXX XXXX and because they are a pos company. 

1. I was refused travel card priveleges due to late payments while the agency was new. IOW the my delinquency which shut off my access to the card and ability to travel was largely due to the travel Dept, for which you XXXX XXXX and the then cfo asked for adjustments, which was denied. 

2. I am now in a XXXX status with no regular income. The bank, upon request for help, froze payments, closed my card, eliminated my XXXX ' access, eliminated my citi app access, adjusted my repayment amount 'on paper ' and refuses to send me a new repayment agreement after I told them I could not find my original. I asked for reinstatement of electronic monitoring ( XXXX and citi app ) which they declined. 

3. They use aggressive tactics that take advantage of my weakened cognitive functions due to my XXXX, forcing me to agree to terms that are unlikely to be filled. 

4. They refuse to resend me copies of my new repayment agreement. 

5. I don't understand how this behavior is legal and / or acceptable. This company is being extremely abusive and ruining what's left of my life by ruining my credit. 

I have no income and trying to get XXXX from the cfpb and from social security. I can't get unemployment. How am I supposed to pay bills or survive?
Complaint sub-issue: Was not notified of investigation status or results

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character
Complaint sub-issue: Their investigation did not fix an error on your report

Medical bills being reported under {$500.00}.
Complaint sub-issue: Problem with customer service

On XX/XX/22, my pre-paid credit card had a credit of {$2700.00}, I had called citi bank to request a ACH back to my checking account. Today is XX/XX/22 and I still did not get my refund.
Complaint sub-issue: Attempted to collect wrong amount

First credit trying to collect a medical bill from XX/XX/2022 and I havent even been to the doctor on that day, I never even went to hospital that day, I'm not paying for something when I wasnt even at XXXX XXXX main campus XX/XX/XXXX. I havent even seen a doctor that whole month.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Complaint sub-issue: Account information incorrect

A Visa card was opened without my knowledge by my ex-wife ending in # XXXX. I have asked PNC to just remove this reference from my credit report since in did not sign for this card, it is current and has never been delinquent. It has a high balance of $ XXXX and I believe it is adversely affecting my FICO score since it is almost at its credit limit. We have been divorced since XXXX ( proof available ) and my defense is PNC can not prove I ever signed for the card or had any knowledge it was open, all other creditors upon our divorce closed or removed the references from my credit report, here are the reason I think PNC should just remove the reference from all XXXX credit services, that is all I am asking. 

1 PNC can not prove I ever signed for this card 2 there is no record of me ever making a payment on this card 3 I have never received a card for this account, I have never made a charge or any transaction on this card, I have never received a statement from this card 4 the card can not be tied to my current address which I have been at since XXXX, they have absolutely no NOTHING to tie me to his card/account that my ex-wife opened without my knowledge, this card is also the only " joint '' credit showing on my current credit report 5 I had requested a copy of the signed credit application, they could not provide it stated they only retained it for 7yrs, again PNC can not prove in any way I was involving in opening this Visa card I just want the reference deleted from all 3 credit reports since the high revolving balance almost at the card credit limit is adversely affecting my credit / FICO score since I individually have < {$400.00} in revolving debt. PNC just states its not " our policy '' to remove references, but they can not in any way, shape or form prove I opened this account. Its obvious since I have had no activity as stated before with this Visa that it should remain on my credit report. 

Person most involved at PNC is XXXX XXXX, PNC Executive Client Relations, XXXX XXXX XXXX, XXXX, Pa XXXX, XXXX, XXXX
Complaint sub-issue: Public record

Equifax refuses to remove fraudlent accounts from my credit report. I have disputed items for over servals years with Equifax. I have supplied Equifax with a copy of my ID, Police reports. I was a victim of identity theft., which includes bantruptcy proceeding appearing on my credit report. I placed a fraud alert on my file back in 2004 when my identity was first stolen which I kept in place for seven years. I just recently placed a another fraud alert and file block due to the same occaurance of identity theft and I filed another police report to update any new activities. Information is not mine identity theft, fraud. Attachments you will find last 365 days of disputes which I have filed with Equifax. All disputes states reason showing Not my account or bankruptcy. XXXX XXXX XXXX acct. XXXX was, Reinserted previously deleted. Equifax placed duplicate XXXX XXXX XXXX accounts on my credit file which appear in negative and closed column. Equifax has committed countless criminal acts, .regarding my credit file. Numberous FTC VOLIATIONS. and Improper use of my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and Im submitting this complaint myself and theres no third party involved. On or about XX/XX/XXXX I sent an AOT via certified mail with return receipt validating that I am pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due course for all derivates thereof for the surname/given name, XXXX XXXX XXXX 

Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it and : They are reporting erroneous, unverified original creditor, invalidated debt on my consumer report without my written consent. Pursuant to 15 U.S. Code 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt. Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy and proper utilization of such information. XXXX is not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; I have submitted again to XXXX and Equifax an AOT and FTC numerous times as they have not made the necessary corrections to my consumer report. This document was sent via certified mail w/return receipt as all correspondence to them. I have provided XXXX XXXX Equifax with factual proof that the items they are listing were removed from the other CRA 's as well as XXXX XXXX as they too were in violation of pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed upon me the consumers right to privacy and that violation pursuant to 15 usc 1681b ( a ) ( 2 ) in accordance with the written instructions of me the consumer to whom it relates did not have permissible purpose nor did I provide them with written permission to list such private matter. Therefore, has since removed such items and all items associated with such account. 

Return receipt XX/XX/XXXX validates that they received my AOT. XX/XX/XXXX I received a notice that did not provide me with a signed AOT rebutting my AOT pursuant to Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etcwho may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury. I requested that they produce a contract showing that I granted them permission to furnish a consumer report on my behalf. And if you have that permission, please have your Sr Executive to create an Affidavit to me and have it notarized by that Sr Executive saying that I granted you permission to furnish this consumer report on my behalf. They have not done so.
Complaint sub-issue: Attempted to collect wrong amount

In 2014, we fell behind on making a credit card payment. We were contacted by AllianceOne. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from XXXX XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.
Complaint sub-issue: Information belongs to someone else

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, XXXX, and Equifax. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been opened and used by someone either using my name or the bureaus randomly applied this to my credit file. There have been so many inaccuracies going on its is hard to tell if this is all a scam or what. What I do know is that I have to give permission for them to provide, list or report anything on my credit report. If no said permission is given then each company including the bureaus are in violation of the law per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Complaint sub-issue: Attempted to collect wrong amount

This is to dispute this collection I been tried to resolve this problem no one seem to help me I contacted all three credit bureau no resolve.
Complaint sub-issue: Reporting company used your report improperly

I've contacted XXXX & all 3 credit bureaus over 30 days ago with no correspondence. I want this issue fixed immediately. The unauthorized info reporting on my credit report is hurting my ability to obtain credit! not in compliance with the laws! please read the attached letter!
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent accounts that's reporting on my credit file. These accounts I have no knowledge of nor could I explain their assistance. I'm asking for the credit reporting agencies to remove these accounts immediately or making a physical shown of why you are continuing to report such unauthorized accounts. Remove the following accounts. ( 1 ) XXXX XXXX XXXX {$5200.00}, ( 2 ) XXXX XXXX {$4700.00}, ( 3 ) XXXX XXXX XXXX {$560.00}
Complaint sub-issue: Account information incorrect

Discover has falsely reported the available credit to the credit reporting agencies for months and not updating when balances have been significantly reduced. I have attempted to have Discover resolve this and there has been no update they claim they have made. This affects both my wifes and my ability to apply for credit and show could credit growth.
Complaint sub-issue: Denied request to lower payments

Ive tried online and calling for assistance with lowering my payment or a deferment as my partner and I have been out of work two different times with Covid-19. Please help lower the monthly payment or do a three month deferment
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.The account below needs to be corrected : XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$2600.00} XXXX XXXX {$650.00} USDEPED XXXX {$37000.00} XXXX XXXX {$24000.00} XXXX XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$920.00} XXXX XXXX {$1700.00}
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$100.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$89.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I filing this complaint, Equifax, XXXX, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

Thank You!
Complaint sub-issue: Account information incorrect

I opened an XXXX XXXX account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told XXXX XXXX on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate XXXX XXXX!
Complaint sub-issue: Their investigation did not fix an error on your report

On several occasions I have asked Equifax Information Services LLC. ( EQ ) to investigate the accuracy of the information in my credit file, to wit account XXXX XXXX ( PL ) XXXX. EQ response to me is the same. On XX/XX/2019 and again on XX/XX/2019 ( via certified mail XXXX ) I sent EQ a SECOND REQUEST to have EQ remove the inaccurate information from being reported on my credit file within EQ database. 
On XX/XX/2019 EQ sent me a reply of We are currently processing your previously submitted dispute for this account ( s ) ; we will not be conducting further investigation into this particular account ( s ) at this time. ( Ref : XXXX  ) I am not asking EQ to process and or to conduct further investigation the  inaccurate information on my credit file. I am asking EQ to Remove the inaccurate information from my credit file that is being reported. 
I have already investigated the inaccurate information with XXXX XXXX and requested XXXX XXXX to remove the inaccurate information from my credit file, and to date, I have not received a response from XXXX XXXX. All of my communications with EQ and XXXX XXXX are documented via Certified Mail Receipt ; I have proof the information being reported is not accurate and I presented the evidence to XXXX XXXX and EQ that the information is not accurate ; and to remove the information from my credit file.
Complaint sub-issue: Account status incorrect

Hi my name is XXXX XXXX I paid off an account that was in collection over a month ago. Ra Rogers ( XXXX XXXX ). This account is not coming off of my credit report. It is still showing a balance of {$470.00}. I disputed this transaction with an attachment from ra Roger showing this has been paid. The dispute was denied stating the information reported is correct. I would like this to be fixed
Complaint sub-issue: Information belongs to someone else

You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been getting telephone calls from someone who identifies herself as " XXXX XXXX '' who claims she is a debt collector but refused to give the name of the company with which is was supposedly associated. She said that in order to stop further action on this issue I needed to call XXXX. 

Then today, I got what was obviously a bogus collections email, from some place claiming to be True Accord ( XXXX, XXXXXXXXXXXX ) and claiming that I owed " XXXX XXXX XXXX the Current Creditor-Debt Purchaser '' {$1400.00} for some balance on an old XXXX account. It claims the account went into default in XXXX ... 

I have n't done any business with XXXX for about a decade. I was provided with NO PROOF of any debt owed. 

I looked up True Accord online and found that : " TrueAccord Corp has been sued for using debt collection practices that allegedly violate the FDCPA. '' Since they came back to back, I 'm assuming that the bogus telephone call ( which obviously violated debt collections rules ), and the bogus email which claimed I owed money I do not owe for an account that is over a decade old ( also in violation of debt collections rules ) were from the same company/individual.
Complaint sub-issue: Debt is not yours

Initial company is XXXX XXXX XXXX XXXX XXXX. They agreed to cancel subscription because my complex wasn't equipped for cable. They shipped equipment on my move in date ( XX/XX/XXXX ). I returned no later than XX/XX/XXXX. Then XXXX XXXX XXXX sold the bill to XXXX XXXX. I disputed XX/XX/XXXX. It was cleared on my credit report. Then again put on by XXXX. I disputed again and it was cleared XX/XX/XXXX. Now in XXXX of this year, it's sent to ERC. And not cleared. I would appreciate an investigation for this. Because, it seems as if XXXX XXXX XXXX XXXX XXXX cancelled but selling the bill to collectors. I would like for it to be removed permanently off my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1 ) XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 2 ) XXXX XXXX XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX (XX/XX/XXXX ) 4 ) XXXX XXXX XXXX (XX/XX/XXXX ; ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX) 7 ) XXXX  XXXX ( XXXX ) 8 ) XXXX  XXXX XXXX ( XXXX ) 9 ) XXXX XXXXXXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX XXXX ( XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXXt (XX/XX/XXXX ) 14 ) XXXX  ( XXXX ) 15 ) XXXX  ( XX/XX/XXXX)