Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not mine

Capital Collection Service, ( XXXX ) XXXX, continues to call us about a debt owed by someone we do not know. When we complain to the caller that we are not the party they 're looking for, the caller always very politely apologizes and says they 'll remove our number from their calling list. They do n't, we keep getting calls.
Complaint sub-issue: Account information incorrect

I have a charged off account that appears on my credit report the issue is the same account is listed by two different creditors. The account is listed under XXXX XXXX and XXXX XXXX. I  opened the account with XXXX XXXX In 2016 The account was transferred over to XXXX XXXX The account is now past due and instead of one company listing the debt both companies are listing the debt making it appear as if I owe two different companies. I have tried correcting this with no response. I only owe one of the companies for this listed debt. Under the FCRA my rights are being violated. I am requesting that either XXXX XXXX or XXXX XXXX remove the debt until than I can not rightfully pay the debt because I do n't know which company it belongs to. Both companies are saying they own the debt. This has negatively impacted my credit in a huge way. I have been denied housing due to this. I am asking that this information be updated on my credit file asap.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS 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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and Equifax are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be updated quickly. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

CLOSED MY CREDIT CARD AND REPORTED BAD ON MY CREDIT WHILE I WAS XXXX SINCE THEN THEY STATED AND SENT ME A LETTER STATING I WAS COVERED UNDER SCRA GAVE ME BACK ONLY THE INTEREST BUT NO FINANCE CHARGES, LATE FEES OR CHANGING IT TO 6 % AND REPORTED BAD ON MY CREDIT REPORT. I WOULD LIKE ALL OF THESE ISSUES FIXED
Complaint sub-issue: Their investigation did not fix an error on your report

I asked for verification of this account. From the XXXX directly and from the credit bureaus From the XXXX I requested a copy of any documents provided bearing my signature. Copy of original contract. Any documentation that verifies loan is mine. Never received anything from them Contacted credit bureaus. 
Asked for the description of the procedure used to determine the accuracy of the information Name and address of person contacted regarding this account. A copy of any document showing that I legally binding contractual obligations to pay them the amount claimed
Complaint sub-issue: Information belongs to someone else

EQUIFAX, AGAIN, SEE THE ATTACHED DOCUMENT FOR IMMEDIATE REMEDY!
Complaint sub-issue: Was not notified of investigation status or results

as i was reading my consumer rights i saw that the bureaus have 30 days to respond to my disputes. I sent a letter on XX/XX/21 and i have yet to hear from them and it has been past 30 days. This is a direct violation of FCRA and my consumer rights. I demand these accounts are deleted. 

I have attached proof of address and license.
Complaint sub-issue: Reporting company used your report improperly

In XX/XX/XXXX I opened a Macy 's American Express Card issued by Department Stores National Bank with a {$2000.00} credit limit. Since I have had the card the company has on an continuous, irregular and spontaneous basis conducted so called " reviews '' of my account by obtaining copies of my credit report without notice to me and without my permission. Macy 's has used this information to decrease my credit limit from {$2000.00} to {$1900.00} in XX/XX/XXXX and again to decrease my credit limit from {$1900.00} to {$1800.00} in XX/XX/XXXX. In XX/XX/XXXX I was notified by Macy 's that my Macy 's AMX card would not be renewed beyond the expiration date of XX/XX/XXXX even though I have always paid by bill on time and never exceeded my credit limit. The company refuses to reconsider its decision or offer any type of appeals process to its decision. The company also refuses to allow me to close the account and or settle the account for less than the full balance. The company also refuses to remove the information from my credit file with the three major credit bureaus pursuant to 18 USC 1681i and 18 USC 1681s-2 ( b ). I also find it interesting that Macy 's is basing its decision on information from one credit bureau XX/XX/XXXX however, Macy 's is reporting information regarding this account to all three credit bureaus.

The only thing that Macys wants to do is offer and unhelpful, incomplete, generic, and cursory response stating that we are only doing what the Credit Card Agreement allows us to do written by an apathetic, heartless minion automaton. Macys refuses to disclose the qualifications or criteria to obtain or renew or maintain a Macys AMX card. Macys should be required by law to prominently and conspicuously disclose this clause to all applicants including at all Macys stores and point of sale systems.

A growing and popular trend among credit card companies is to frequently pull a credit report on a consumer to " review '' their account and then lower or decrease the credit limit closer to whatever the balance is on the card at the time of the " review '' and then complain that the consumer is using too much of the credit limit or that the proportion of balance to credit limit is too high. Then the credit card companies expect the consumer to pay the full balance while at the same time continuing to charge interest on an account the consumer may no longer be able to use and refuse to work with the consumer for an amicable solution. It's only when a corporation is sued or is subject to action taken by the government against the corporation, then the corporation wants to play the victim. At a time when Macy 's is struggling and is going through tough financial times and having to close stores and lay off employee I don't think upsetting and alienating the customers is a way to increase business and sales to help a company that is already struggling financially and prevent Macy 's from following behind Sears in filing bankruptcy and will probably go out of business in the next five years
Complaint sub-issue: Account status incorrect

I went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by 72 points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.
Complaint sub-issue: Their investigation did not fix an error on your report

This is the second written request asking the companies ( XXXX, Equifax, & XXXX ) to  provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/XXXX
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 {$0.00}, {$3600.00}, {$730.00}, {$750.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3600.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a balance of {$730.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$750.00} -This is not my account.
Complaint sub-issue: Account information incorrect

Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN XXXX
Complaint sub-issue: Account information incorrect

money lion is falsely reporting wrong balance amount on my credit report. i paid the account in full on XX/XX/2022 XXXX
Complaint sub-issue: Debt is not mine

This is a XXXX debt that has circulated among collection agencies. I have sent dispute letters each time that I do not owe this debt. I have never subscribed to have XXXX service nor have I ever authorized anyone to open an account in my name. I have requested proof that I opened the account and that I have ever made payments on the account but all they do is switch to another collections agency. Then the new agency puts it on my credit report. This is really annoying. I should not have to keep disputing a debt I do not owe. If there was an account started in my name, they should figure out who was paying it and go after them. I DO NOT OWE THIS DEBT. I will greatly appreciate any assistance you can give me to stop this madness. The current collections company is ERC ( Enhanced Recovery Corp ). I have disputed this with XXXX because it is showing on my credit report.
Complaint sub-issue: Problem with personal statement of dispute

Paid best buy early got charged for missing payment XXXX XXXX pay on XXXX payment due XXXX charged as a missing payment
Complaint sub-issue: Information is not mine

equifax is having data base problem i call them several time trying to have it fix i chat with customer service and they say they can not help it been over 180 days since dispute
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the report active is inaccurate, and date last reported is inaccurate. This ground for removal also violated my rights under.

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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX Equifax XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

My XXXX XXXX Home Equity Line of Credit says it was late XX/XX/2019 both on XXXX and XXXX  and XX/XX/2019 in Equifax. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on my credit report.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX notified me that there was an unauthorized access to my account.  I notified them this was not me who accessed my account from the new device.  They then notified me they cannot legally share if my data was breached.  How is an agency that claims they help with credit monitoring, not able to tell me if my data was breached at their own company?
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Complaint sub-issue: Their investigation did not fix an error on your report

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to XXXX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Complaint sub-issue: Problem with fees

Hello- I am writing in regards to XXXX XXXX practices being levied on me by XXXX XXXX XXXX. I have XXXX XXXX XXXX with XXXX XXXX. 

My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$4300.00}. My minimum payment due was {$71.00}. I made a {$400.00} payment on XX/XX/XXXX. 

My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$5700.00}. My minimum payment due was {$840.00}. I made a {$1000.00} payment on XX/XX/XXXX. 

My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$6000.00}. My Minimum payment due was {$1100.00} because my credit limit on the account was {$5000.00}. I was {$1000.00} over my credit limit. This was because I made a return on XX/XX/XXXX and I had been waiting for a credit back to my account for {$1100.00}. After 2 weeks, I called XXXX XXXX support and they told me they processed the credit back to my XXXX XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX told me they did not get the credit back to my account until XX/XX/XXXX. 

I called XXXX XXXX XXXX asked for a credit limit increase and it was denied. 

When I received my XXXX statement, it showed I had a XXXX XXXX of {$1000.00} due. I called XXXX XXXX XXXX Customer Service about the large minimum payment ( {$1000.00} ) due on XXXX Customer Service Representative told me that the Target Credit of {$1100.00} had already been received, and had been processed, which put me below my credit limit and that I no longer needed to make the {$1000.00} minimum payment. She stated she was going to make a note in my files that I did not need to make the {$1000.00} minimum payment because my balance was {$4800.00}. I made a total of {$160.00} payments for the month, similar to what I was paying in XX/XX/XXXX. 

I just received my XX/XX/XXXX statement for billing period XXXX. My balance is {$4800.00} and my minimum payment due is {$1000.00}. I immediately called XXXX XXXX XXXX Customer Service and asked why my minimum amount due is so high. After being left on hold for 20 minutes, the Representative told me she needed to transfer me to a Supervisor. I was place on hold for another 20 minutes. When the Supervisor got on the phone with me, I asked why am I being required to pay 25 % of my balance in 1 month? ( i.e. {$1000.00} of a {$4800.00} balance ). She said that I was supposed to pay XXXX more dollars the previous month and that was being carried over into my current billing period. They also charged me a XXXX XXXX XXXX for not paying the {$1000.00} minimum payment in XXXX- even after they told me I did not have to make that huge payment because the target return/credit covered that amount. 

This organization is practicing predatory lending. 

It is unethical to charge someone a {$1000.00} minimum payment on a {$4800.00} balance. Their Customer Service flat out lied to me, told me they would make a note in my account about the conversation and that I did not have to make a {$1100.00} payment in XXXX because the {$1100.00} return credit covered that amount I would like to file a formal Predatory Lending complaint against XXXX XXXX XXXX and Mini World XXXX. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

EOS debt collector contacting my work place. This workplace does not allow such contc