Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Add-on products and services

I opened a credit card with Best Buy years ago and had used it only for large purchases. Over the years the balance never paid down despite making timely monthly payments and going long periods with no use. When I went to investigate the bill I found I had been paying for a service that I did not want and for which I don't recall signing up. This had been a recurring charge that was about {$23.00} a month. Over the years this amounts to thousands of dollars that they got from me through this predatory scam of " debt protection '' all while I'm being charged interest on these charges as well. I called the company to dispute this service and to request a refund of the money they had taken from me. I was told that they would investigate my complaint and get back to me. I have no reason to believe that they will investigate themselves while advocating for me, the consumer, in this scenario. I feel I have been taken advantage of.
Complaint sub-issue: Debt was result of identity theft

I recently review my credit report and notice there were inaccurarcies. A collection from MRS ASSOCIATES for the amount of XXXX is not my debt. I was a victim of id theft and im not responding for debt. Below is a copy for information related to the debt. 

MRS ASSOCIATES Original creditor : XXXX - XXXX {$210.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$210.00} {$210.00} Payment Info Original balance {$210.00} Balance {$210.00} XXXX XXXX, XXXX
Complaint sub-issue: Trouble with how payments are being handled

On my sallie mae account it only goes as far as XX/XX/XXXX. When i first started my payments were under 180 dollars. On XX/XX/XXXX my loan states i am now paying XXXX. I had a late charge or XXXX because i did not have the money in my account. On XX/XX/XXXX it was XXXX on XX/XX/XXXX my interest went up XXXX. On XX/XX/XXXX my bill became XXXX. On XX/XX/XXXX i had gone through a major hurricane. I had late payments from being out of a job during the hurricane, when i called multiple times i kept getting the ring around. I would call about their hurricane assistance they posted on their site. I would be told they need to check if it was available for me call back in a week. I would wait 2 weeks. I called 4 times and on the 4th time i was told about a forbearance that would bring my late charges down to XXXX, i had to set my bill on autopay for until XX/XX/XXXX if i missed an auto pay date my over 800 dollar bill would restart and i would owe that 800 somthing dollar bill again. Any time i could not make my bill because it was so high and had late charges i would call and they each time gave me a ring around my problems were never solved. XX/XX/XXXX i had accured interest or XXXX. On XX/XX/XXXX on my document it says amount XXXX, interest ( XXXX ), principle ( XXXX ) each month the interest fluctuates either going up or down. Multiple times this company has not omce helped me out especially after hurricane Micheal that caused me to lose my home and everything. I had no job for months. Currently as of XX/XX/XXXX i owed XXXX, interest ( XXXX ) principle ( XXXX ). XX/XX/XXXX i accured an interest or XXXX. I do not understand why im being charged so much when i can barely make the payments somtimes, and their customer care is no help AT ALL.
Complaint sub-issue: Billing problem

Please reference prior CFPB complaint XXXX. Despite the company 's admission of error and statement in their CFPB response letter that they would correct the credit reporting errors, the referenced payments still reflect on my credit report as 30 or 60 days late. 

Subsequent to my previous issue, the company is reporting 30 days late on my XX/XX/2018 payment, which is incorrect. The payment was made late, but was not 30 days late. It needs to be removed from my credit report. 

I am attaching the company 's response to my prior CFPB for reference.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I financed some furniture through Acima credit and they tried to hijack my checking account and have hijacked my credit report. They initially altered the terms of my original contract without my consent and increased the agreed upon billing amount from {$40.00} per week to {$170.00} per month. After several arguments about this over the phone where a representative tried to convince me that this is what I had agreed to, I requested a copy of the contract and was repeatedly denied a copy of this. Meanwhile, I received several phone calls daily from various unidentifiable phone numbers from people who identified themselves as representatives of Acima demanding bank account information or debit card information to resume payments. I made these people aware that I do not disclose this information to anyone for any reason and requested that a copy of a billing statement be mailed to me. They once again repeatedly refused claiming that they were a paperless company. I made several attempts to remedy the situation over the phone and was even denied a physical address where I could remit payment without having to provide information over the phone. This went on for several months. The entire time Acima has reported negatively to all three credit bureaus about this account while refusing to bill me or accept payment in any form other than over the phone.
Complaint sub-issue: Information belongs to someone else

HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS. ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE.I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNT THAT I HAVE NOT RECEIVED. I HAVE DISPUTED 2 TIMES. ALL THREE BUREAUS ARE IN VIOLATION ON 15 USC 1681B. XXXX XXXX XXXX {$27000.00} I HAVE BEEN DISPUTING SINCE XX/XX/2021 ACCOUNT NUMBER- XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I submitted a dispute for a billing error on my CITI Visa credit card on XX/XX/2021 for {$560.00} by XXXX XXXX. Upon my initial dispute, I provided the requested documentation. In response to the CITI letter requesting documents already submitted dated XX/XX/2021, I resubmitted my documents on XX/XX/2021. I included all necessary documentation to fully and adequately follow through with this dispute. 
However, CITI failed to provide any response from the merchant or let me know if the merchant even replied. Furthermore, it is now the end of XX/XX/2021, far beyond the allowed 2 billing cycles which CITI is obligated to correct this billing error. I previously informed CITI of their failure to provide the required documents and process the dispute in accordance with the published and public VISA dispute resolution guide. 
The provided documentation includes written correspondence between myself and XXXX who agreed it was an error on their part and would be issuing refunds but failed to do so. 

CITI has failed to provide any reason for their belief the is valid or provide any supporting documentation from the merchant. 
The billing errors were a result of XXXX failing to provide credit for free coupons utilized upon making the reservations and double, even triple charging my card for these errors. On XX/XX/2021 I was in communication with XXXX from XXXX who stated she made the correct adjustments to the charges, however as I have now been charged back months later for these charges the amounts charged are no longer correct. 

Citi has refused to correct this billing error despite receiving the necessary documentation to support my case, or provide the required documentation proving the billing error to be valid.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
Complaint sub-issue: Reporting company used your report improperly

This complaint specifically involves Equifax, but applies to all credit reporting agencies.
On XX/XX/XXXX, one of the largest data breaches occurred when Equifax was hacked and over 150 million people 's SSNs, DOBs, addresses, etc were stolen. Notification of this breach was not handled in a timely manner. The solution provided by the company involves free credit monitoring for a year based on the consensus that I waive my right to sue or participate in a class action lawsuit. This is theft, in addition to the hacking. This solution does not suffice. This company mishandled mine and millions of other 's information incorrectly and should not be allowed to be benefit from their carelessness under the guise of " saving money '' by cutting corners regarding proper security measures.
All credit reporting agencies should step up security measures by including at least a two-step verification process. Additionally, credit report monitoring should be a free, standard service since the public is subjected, as a standard, to being forced into having our information in the hands of these credit reporting agencies without permission, without a business relationship.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
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 law. 
XXXX XXXX XX/XX/2022
Complaint sub-issue: Problem with personal statement of dispute

I have called Discover several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ i XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and that it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Received bad information about your loan

I have been trying recertify with XXXX since XXXX. Last year I had asked to be placed into forbearance when I could not afford payment until XXXX until after I filed my taxes " married but filing separate ''. XX/XX/XXXX, I submitted my initial application to recertify after my forbearance ended. I called to make sure it was received and the gentleman I spoke with said yes and it should be around $ XXXX/month. XX/XX/XXXX comes around and then I get a letter I was denied because I did not make a " intermittent '' payment. The gentleman I spoke with initially in XXXX did not mention this. I would have been more than happy to make an affordable payment. I am now told to recertify again. I ask that it be expected due to the company error. They state they will do what they can so I send in my information again. I am now placed into the wrong plan and an even higher payment I started with. They ask me to recertify again. I have do it again- this time they say they did not get it and I am placed into standard plan and I selected that. Even though when I log in it shows that I selected income plan and I have a screenshot stating this. Also, I received an email and I have a screenshot from the company that I am now in " grace period '' until XX/XX/XXXX. Last I checked we are in XXXX!!!! This company is a fraud and does not know what they are doing. I am contacting a lawyer.
Complaint sub-issue: Account information incorrect

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I have attached a consumer report as evidence.
Complaint sub-issue: Attempted to collect wrong amount

I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. Bay Area Credit Service stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with Bay Area Credit Services to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the XXXX debt which I thought I had settle earlier that month. Bay Area told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.
Complaint sub-issue: Was not notified of investigation status or results

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX Account XXXX : XXXX Validate this inaccurate report 3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX XXXX XXXX, XXXX. 
Account XXXX : XXXX Validate this inaccurate report. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Complaint sub-issue: Information is missing that should be on the report

My mortgage loan ( with XXXX XXXX ) disappeared from my credit report- it was being reported previously for the 12 years I've had it. All of a sudden it dropped off my credit report. I contacted my mortgage company and they show my loan and have contacted credit agencies but the loan is still missing from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of Equifax, XXXX, XXXX speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX  XXXX in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report Equifax, XXXX, XXXX is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : 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: Account status incorrect

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/2021
Complaint sub-issue: Debt was paid

There were two accounts with XXXX XXXX XXXX XXXX - first account # XXXX, second account # XXXX. Settled in Full with Grant & Weber on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to Grant & Weber. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled.

I called three times to Grant & Weber to find out when will it be  reported back to XXXX XXXX XXXX XXXX as it has been over a month.