Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to sue you for very old debt

Hello! The company " Lending Club '' has sent me WARRANT IN DEBT ( CIVIL CLAIM FOR MONEY ). This is the first time that the company has contacted me about this debt. I contacted the company on XX/XX/XXXX at XXXX XXXX  and informed them of the inaccuracies in the debt and that they did not contact me prior to filing a judgement to collect any debt owed. I have been disputing this debt due to the inaccurate information on the debt that is being reported. The creditor I spoke with stated that I owe {$18000.00}. Which is inaccurate. On my credit report it states I owe {$20000.00} which is also Inaccurate. On my credit report it shows that I have made consistent payments from XX/XX/XXXX to XX/XX/XXXX. If I have made consistent on time payments for 12 months in the amount of {$430.00} a month. How is it that I still owe {$20000.00} which is exactly what I borrowed? The FCRA states ; " EVERYTHING SHOULD BE ACCURATE ON YOUR CREDIT REPORT ACROSS ALL 3 CREDIT BUREAUS OR THE ACCOUNT MUST BE DELETED IMMEDIATLY. '' XX/XX/XXXX I was laid off of my job due to covid-19 and I missed XXXX payment. I did express this to the creditor " Lending Club ''. Lending Club informed me that they did not have any forbearance options at that time. Due to THE CARES ACT On XX/XX/XXXX, the United States congress passed the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic. CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX and the later of either : 120 days after XX/XX/XXXX or 120 days after the national emergency concerning COVID19 ends. 

The disputes attach below were sent to all 3 credit bureaus and the creditor 'LENDING CLUB ''.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2020 A letter was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, & on XX/XX/2020 a letter was sent to XXXX, XXXX XXXX XXXX XXXX XXXX. Under the cares act it was stated that during the pandemic there is to be no negative reporting to the credit agencies including late fees. I recieved notices and alerts I am being reported for late payments and my score has been affected tremendously. I reached out to the reporting agencies and they refused to help me and ignored a statewide message that was put into law due to COVID -19. I am an XXXX XXXX for a school in XXXX XXXX and everyone know the school systems were shut down half the year last year and partially this year and online schooling is limited or not at all. In order to relieve the financial blow to americans it was said for the creditors and reporting agencies to cease collection activities as jobs were closed and americans suffering with no income due to no fault of ours. They didn't want Americans choosing between feeding their families or paying a bill. We are still in a pandemic and I have asked for forebearances and late payment removals. I suffer from XXXX and this is stressful. I have a daughter and a family I have to support and a mortgage and child care. I am reaching out for clarity because im put in the situation of choosing food over my finances. im not trying to avoid them I just need some help from my creditors until I can get through this crisis and request for them to remove the late payments and not tell the credit agencies to hurt my report and please the legislates that have been passed regarding the debt collections and negative reporting to peoples reports.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$5700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Complaint sub-issue: Didn't receive notice of right to dispute

I was denied a rental property because apartment complex ( XXXX XXXX XXXX ) is saying i owe {$4900.00} for charges that i have no knowleged of. I talked to someone at the complex and I was told that i didnt have a balance so I went an picked up a copy of the ledger showing I didn't owe a balance. I asked if they could remove it from my credit report and they refused saying that they looked a little deeper and found that i did in fact have a balance of {$4900.00} for a list of things i have no clue about. On my credit report it shows i owe a company called Hwarfield, and i have never did business with them before. I called them and asked them to explain the charges and they had a hard time doing so. I then asked if they could remove the inaccurate information from my credit report and they refused
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 confidentiality under 15 USC 1681. 

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 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 an account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # 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: Account information incorrect

I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In XX/XX/XXXXand XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.
Complaint sub-issue: Card was charged for something you did not purchase with the card

There is a fraudulent transaction on my account posted on XX/XX/2022 for XXXX XXXX XXXX CA amount of {$100.00}. I have spoke to the fraud department several times regarding the transaction. And yet, nothing has been solved and been going on for weeks. Transaction still appears on my credit card statement as of today, charging me something I did not authorize. I have considered filing a Police Report regarding this incident, labeling it as Identity Theft because this is where this case is leading up. 

This no doubt is fraud because this was something that happened without me being aware. I am frustrated and unhappy with the poor customer service I have received from Citibank regarding this incident.
Complaint sub-issue: Reporting company used your report improperly

I am affected by the Equifax security breach. There is potential that my SSN, DOB, full address, and DL number have been stolen. 

I was not notified by Equifax about this security breach. I found out about the security breach today, XXXX XXXX, 2017, via social media.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my 4th attempt contacting the credit bureau about the afore mentioned accounts. These accounts do NOT belong to me and I ask that they be deleted from my credit profile. 

FDCPA Section 807 Violations Mispleading False Reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$570.00} {$570.00} Payment Info Original balance {$570.00} Balance {$570.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Account status incorrect

Dollar loan center has reported incorrect late payment marks on my loan with them. I spoke several time with different representatives to set up payment arrangements. I followed through with the payments and was advised that as long as my arrangements were kept I would not get late payments. I was advised this by more than one representative before the loans contract expired. They were aware that my arrangement put me past the expiration date and I was still advised to negative credit reporting would happen if the arrangement was kept, which it was. I still continued to get harassing calls everyday even while on the arrangement. This account is now paid off.
Complaint sub-issue: Public record information inaccurate

First, all my credit cards ( Sears, Macy 's and Best Buy ) were suddenly closed. The told me that their decision was based on information they received form Citibank. When I wrote Citibank Citibank asking for the reason, they said, " You have the right to close your account and we also have a right to close your account and we have chosen to exercise our right ''. This does not give me the real reason! 

Secondly, after sometime, I decided to try and apply for credit card with Macy 's and received the attached denial letter, apparently from Citibank and it's affiliates! 

Please help me to find out why this is happening when my credit is good at the three credit bureaus.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been trying to resolve this matter with Enhance Recovery since XX/XX/2019, ERC has only provided a XXXX XXXX, I have disputed this account and asked for validation and this has not been provided. ERC has received serval attempts via certified mail about this matter, I have requested to provide me with the following : What the money ERC say I owe is for Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Contract signed by me to ERC about this debt Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service I want ERC to remove this collection account from my credit reports, do not sell or transfer to another collection agency.
Complaint sub-issue: Their investigation did not fix an error on your report

The company is XXXX XXXX. The information is all different on each of the XXXX credit bureaus. The payment status and past due amounts are all different.
Complaint sub-issue: Charged too much interest

Received credit card bill Previous Balance : {$20000.00} Payments made prior to the Previous Balance Due date {$31000.00} New Balance {$7800.00} Included interest charges of {$180.00} based on one XXXX cash advance of {$300.00}, of which {$170.00} in interest charges was for Standard Purchases. 
In addition, there was a {$15.00} XXXX fee and {$2.00} interest on the cash advance imposed by Citi. 

Citi Supervisor on XX/XX/21 at XXXX XXXX  XXXX advised that they charge interest based on the average daily balance anytime there is a Cash Advance - ie XXXX. 

The " About Interest Charges '' included on the billing statement : " How to Avoid Paying interest on Purchased. .. We will not charge you interest on purchases if you pay your monthly Flex Plan Payment Amount ( if any ) plus your New Balance, excluding any Citi Flex Plan balances, by the due date each month.... We will begin charging interest on cash advances and balance transfers on the transaction date. .. '' Nowhere does it state that Citi will charge interest on Standard Purchases based on the average daily balance for the billing cycle if you take a Cash Advance.

I asked for where it states that in the contract. Supervisor XXXX started making up language that does not exist, such as stating the About Interest Charges read, " We will charge interest once you take a Cash Advance based on your average daily balance. '' I asked to speak to his manager and was told that his manager is XXXX and XXXX is not working tonight.

I am asking that the {$170.00} interest on Standard Purchased be reversed.
Complaint sub-issue: No notice of investigation status/result

no contract with XXXX as this account was sold to action financial services. I contacted the bureau and they responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home. I 've spoken to several reps without assistance. This is clear they did n't properly investigate my concerns.
Complaint sub-issue: Their investigation did not fix an error on your report

Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.
Complaint sub-issue: Their investigation did not fix an error on your report

My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged on Equifax and it has been removed completely from my XXXX and XXXX  reports. It's XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed from my Equifax report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I had only made  one or two purc hases on the credit card. Then a few weeks later I noticed the credit limit on it was all gone. And I had not made these purchases. I have proof because I do not have the receipts for them. You can check the camera where the card says I bought it. Or you can check with the cashiers.
Complaint sub-issue: Debt was result of identity theft

I disputed this account under identity theft before. It was removed yet now reappears on my XXXX  report. Collections is dated XX/XX/2017 and now has damaged my credit score twice. This is against the Fair Crediting Act laws. I'm also a veteran and utilize the VA system as to avoid medical bills outside their jurisdiction. This is not my account as I also have a police report from XXXX Police Dept in XXXX, CO. Of a women using my personal identifiers after being arrested. She used my previous last name of XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. 
Thank you.
Complaint sub-issue: Information belongs to someone else

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL 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
Complaint sub-issue: Public record information inaccurate

I checked my credit report and noticed inaccurate information in my Public section. I have I asked XXXX XXXX how the account was verified as accurate, They responded and said the courthouse provided the information. I contacted the courthouse to inform the of the inaccurate information. The courthouse sent a letter stating they do not report to any credit bureaus or third party site. I am not sure how this inaccurate and untrue information was added to my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX/XXXX  - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected! This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Information belongs to someone else

This is my 2nd 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 XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance $ XXXX XXXX  XXXX Balance {$7100.00} XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMINODA XX/XX/XXXX XXXX XXXX XXXX Balance {$2700.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to dispute innacurate account information on my credit file with equifax since XXXX 2017 provided proof of the information that need ot to be corrected letters have called numerous times to attemp to resolve it they state is fixed ive been trying to get a mortgage loan but every single time they denied mw because my scores are not reporting accurately and accounts are no being removed but are stil showing under a dispute status preventing the lender to pull accurate information and til this day already XXXX and equifax not only i was notify as been part of their fraud issue where my information was compromise not even an apology they havent been diligent in fixing this issue for me i tryed too many times cant no longer deal with them as they are very negligent i am a single mom of XXXX trying to buy a house for them and cant get pass this issue to be able to buy a home for my kids and get the opportunities i deserve because of them i decided to report them and even consider legal action agains them please help me i dont know what else to do or who to go to ive spoken to representatives supervisors and nothing seems to work once again thank you for you time and hope this resolves the issue