Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card opened as result of identity theft or fraud

A Wayfair Credit Card was open in my name on XX/XX/2022. I was unaware until I heard from Wayfair saying that they suspected fraudulent activity. I promptly had the account closed but there was already a {$3200.00} balance on the card. The company ( Citibank ) open an investigation and declared it closed without asking for any additional information info ( other than my DL number ). I called back and it was reopened and then declared closed day later without any remarks. I called back last week and I am currently in the process of filing a police report and providing a copy of my license and bank statement per their request to have it reopened.
Complaint sub-issue: Fee problem

Since about 3 or more years ago, my bank has slowly crept up to its old practices with fees in my checking account. When banking regulations happened during the financial crisis US Bank did what I thought should have been a common practice from the get go : 1. overdraft fees would not exceed the amount being paid -- for example I just got debited {$25.00} from check card connected to toll booth recharge account. this {$25.00} charge brought my account below zero and i got charged a {$36.00} fee -- and this has occurred multiple times in the last 5 years -- going against a practice in place after regulations started back in 2009 or so. 

2. this specific charge, for example, after banking regulations circa 2009, would not have been paid for there were not enough funds in the account, regardless if it was a charge deemed " recurring '' or not. 

3. this bank is back to debiting items the old way : when multiple items come in for debits -- whether through check card pre authorizations, scheduled bill pays, or checks coming through, the highest item is paid first and then the smaller items regardless if they came a day earlier or on the same day. this practice then, for consumers with low account averages makes them liable for multiple overdraft fees as higher ticket items are paid first. 

4. lastly, if i remember correctly, if there were funds when an authorization occurred, the authorization would be paid with no fee incurred regardless whether the account went in the red. 

I contacted the bank in regard to these issues and they simply gave me the option of having a checking account that was severely handicapped -- i.e. one wherein neither checks nor check card actions were possible or would require a per transaction fee or leave everything as is. 

i was so relieved when the original regulations were in place and slowly became more increasingly disheartened as the dismantling of these regulations protecting me were eroded quietly and effectively over the years by the bank. I am certain that this is not the only bank and that it is not the first time that you hear of this. 

I expect no resolution. We will see if this works. Thanks for reading.
Complaint sub-issue: Debt was paid

macy 's double-charged me for an item. i disputed the bill immediately. many calls and disturbingly long wait times, i was told it was now zero. i just got another bill -- they placed a five-dollar amount on my bill, with late charges of XXXX they dont answer and keep charging late fees -- it was up to XXXX before my latest call. i am elderly and feel taken advantage of. i 'm sure i 'm not the only XXXX being scammed by macy 's. can you help?
Complaint sub-issue: Account information incorrect

Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The XXXX repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I moved out of an apartment where I had XXXX internet and cable service. It was month to month with no contract. I moved in Late XXXX, early XX/XX/XXXX. I made my last payment XX/XX/XXXX. I have an email thanking me for the payment. I called to disconnect the service and was given instructions to return the equipment to avoid additional charges. I returned to a XXXX  store in XXXX, Ga. I called back to confirm receipt of the equipment and no outstanding balance. I was told there isn't a balance " at this time '', and they could see where the equipment was received in. I provided a forwarding address, and they had my email and phone number since XXXX. I have not received anything more than promotional emails from XXXX  until today XX/XX/XXXX getting an alert that my credit report changed. I looked at it and there was a collection from I.C. Systems with an approx. {$250.00} balance. I called to verify and was explained that it was from XXXX. I explained everything stated above to them but they were only interested in collecting the debt, even offering a settlement. I told them I didn't feel that it was correct. And if there is was a balance, I should have been notified prior to it being placed on my credit as a collection. I have had no notice of a past due balance for the entire time. This has to be some type of violation of consumer rights. It places a negative impact on my credit report and it is a unfounded charge that they mysteriously generated after almost 2 years, without notice.
Complaint sub-issue: Account information incorrect

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Complaint sub-issue: Talked to a third-party about your debt

Sears called to try to collect on an outstanding debt. I have consolidated my debt with XXXX and per them did not answer the phone. On Thursday XX/XX/XXXX, Sears collections called my ex husband about the debt. During this conversation they stated to my ex husband the company that I work for. I have been divorced for over 13 years, this debt was made after the divorce. They had no right to tell him where I work. I have no idea how they even got his phone number. He reached out to our daughter to let her know, she was able to get the phone number from him and it was the same number that had called me.
Complaint sub-issue: Their investigation did not fix an error on your report

Last XXXX XXXX is when I wrote a letter to this company requesting an investigation. After more than 30 days of waiting, I found that all the disputed items are still reporting incorrectly.The Tax Lien reported is outdated. The information has been withdrawn last XXXX XXXX due to insufficient information particularly my personal info which I verified with the court. This company 's records are definitely outdated and I do not understand how the can report that the items have been investigated. Also, Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to the collection accounts they are reporting allegedly on my credit report. To date, I have not received any validation document from any of these companies. More than 30 days have already past and these accounts are still unvalidated. The account numbers, balances, opening dates, date accounts were assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXX XXXX/ Equifax 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 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. 16815-2 ( 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. XXXX XXXX states i have had a card since XXXX  but the XXXX Equifax reports only reflects XXXX. XXXX XXXX Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires. XXXX XXXX/ bureaus erroneously report that the account is still active illegally restarted removal timeline after settlement.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX XXXX XXXX   had been re-inserted an account on my credit file after it had been previously deleted. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Furthermore the company even tried changing it's name as I noticed between XX/XX/XXXX andXX/XX/XXXX, the creditor name on this account was changed from XXXX to XXXX  on my Credit Report. I have attached a screenshot.
Complaint sub-issue: Debt is not yours

The original creditor which is XXXX has placed this on my credit report 2years ago with a collection agency called XXXX, XXXX in XXXX I disputed the account it was investigated and removed from my reports, now XXXX it is back on my report by another collection agency by the name of Enchanced Recovery collections. If this was investigated and removed from my reports they should not be able to see it and placed on my account again this is causing a real hardship in my life. It is very stressful and it causes so much stress in people lives to have to keep dealing with this kind of head ache. I have never received any documentation from XXXX or enchanced recovery. But I do have proof that it was on my account in XXXX and did not show up on my XXXX credit report again until now XXXX. XXXX. Please have this removed off my reports immediately. I will also be filing a report with theXXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

Sallie mae reps lie about offers to resolve your account, when you tell them to put any offer in writing they claim they cant do that .. thats not truth in lending. The reps are trained liars, they know how to break the law, without punishment,
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 60 days!!! When I call to check on each respected document with each bureau ; I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Complaint sub-issue: Other problem

I am a single mother trying to purchase stable housing for my daughter and I, I found the perfect home and am in the process of closing however an old Best Buy credit card issued by citi bank showed on my credit report, so I reached out to the charge off department to pay the debt and get a payoff letter expedited so I can make closing, the representative informed me that it will take 25 days to get your letter and thats policy! Wow,! So I asked if there can be something a supervisor can do to help get this resolved so I do not loose my home and they said Im sorry but thats not our problem, so when I finally got to a supervisor they informed me that I am not sure what you expect me to do but its not our fault you have no where to go but its sytem generated and we cant do anything for you. So as large of a cooperation that Citi Bank is, there is no one that can help me. And for the supervisor to tell me its not our fault and there is no one that can help you get this taken care is disturbing. I have never been treated with such disregard and spoken to so rudely.
Complaint sub-issue: Attempted to collect wrong amount

I Contacted XXXX and tell them that this was not my debt.
Complaint sub-issue: Their investigation did not fix an error on your report

These accounts are invovled in an ongoing litigation process and should be deleted per the Fcra, and fcdpa guidelines.
Complaint sub-issue: Reporting company used your report improperly

My personal information was included as part of the Equifax security breach, made public on XXXX-XXXX-2017 ( www.equifaxsecurity2017.com ). Equifax has mishandled my personal information and the information of millions of other people. In response to this security breach I am placing a credit freeze via all three major bureaus, at a cost out of my own pocket. Equifax is merely offering fraud alert services to affected victims, which does nothing to stop fraud and merely alerts people that Equifax 's lack of proper information handling is now affecting them. Equifax should offer free credit freezing to all affected victims and reimburse any victims that have paid for credit freezes out of pocket.
Complaint sub-issue: Fraudulent loan

On the date of XX/XX/2021 the amount of {$4000.00} was used for a down payment of a vehicle.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX sent Equifax an Identity thief report XX/XX/21 ( Check attachment ) sharing with them the exact accounts that were effected by fraud and letting them know these accounts are involved in litigation.
Complaint sub-issue: Investigation took more than 30 days

Equifax has not responded to ANY of my disputes under section 609 or 611 Which I sent certified mail.

Equifax is now in direct violation with the FCRA Because I've yet to receive a response.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. 

I've attached enclosed letters of my dispute under the FCRA and also a non response to Equifax Via certified SIGNED SIGNATURE. I've yet to receive any correspondence Equifax needs to delete these accounts that are in the attached letters. 

I've also attached a dispute response from XXXX XXXX regarding the " US DEPT OF ED/XXXX '' account seeing how XXXX XXXX could not verify this debt and Equifax has taken well over the required time to respond ... This account needs to be deleted.
Complaint sub-issue: Information belongs to someone else

I am filing complaint because I had wrote to Equifax in regards to various inquiries made on credit file in which I never authorized to run a hard inquiry on my credit. I wrote a letter to Equifax requesting an investigating on my file and to provide proof of authorization of any hand written signature from myself to the creditors listed. As of XX/XX/2018, Equifax has not provided proof and has failed to deleted inaccurate information on my credit. I have also contacted the creditors directly and was notified that they on there half didnt have any documents with my signature or any form of authorization. The creditors of the inquiries are as follow : Creditors Inquiries : Inquiry Date : - XXXX XXXX XX/XX/2018 - XXXX XXXX XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX  XXXX. XX/XX/2018 - XXXX XXXX XXXX  XXXX XX/XX/2018 - XXXX XXXX. XX/XX/2018 XX/XX/2018
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX sold my information to a Debt agency and I was never given notice of them doing it. I've called XXXX numerous times letting them know that when I called to canceled service there representative told me that there was no balance due and the service was canceled and closed. I know go on my credit report and have a company that I know nothing about and I never gave them my information reporting a negative impact towards my credit. I knew nothing about this debt nor was I even given a chance to dispute it.
Complaint sub-issue: Their investigation did not fix an error on your report

First Progress did not send me a bill. I sent them a hand written invoice with a check for {$93.00}. They did not recieve the payment by the due date. They reported this as a late payment affecting my credit score. I wrote them asking for them to remove the negative mark from my credit report. they wrote back saying they where not at fault and could not remove the negative mark. 
This happened once before and fortunately I caught it in time to send a hand written invoice with payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing a complaint because DISCOVER FIN SVCS LLC, XXXX, XXXX, and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. Thank you!
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

XXXX ACCT : XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I've sent a number of letters to get these inaccurate information corrected The Credit bureaus stated that XXXX : Account # : XXXX, XXXX XXXX  : Account # : XXXX, XXXX : Account # XXXX XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, DEPTEDXXXX  : Account # : XXXX, XXXX : Account # : XXXXXXXX XXXX : Account # : XXXX, XXXX XXXX XXXX  : Account # : XXXX was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This is grounds for removal. They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Disputes we're sent to Equifax in accordance with 15 USC 1681i. Equifax has certified per received responses ( Pages 1-8 ) that the bankruptcy record # XXXX was " verified '' and " accurate '' as a result of their investigation with said furnisher " XXXX XXXX ''. A dispute was filed with XXXX XXXX in which on XX/XX/XXXX, they were unable to " verify '' this record in a time-frame required, and therefore the record was " Removed ''. I have attached a copy of this letter for proof. I received a complete consumer disclosure report from XXXX XXXX dated XX/XX/XXXX, in which the 80 page report did not contain a " Bankruptcy Record ''. I have also attached the letter from the Bankruptcy court stated that they " Do not report filings to CRA 's ''. Equifax has violated Federal Laws, and this alleged record is " Unverified '' and " Contestable '' and therefore must be removed.