Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I received notice on XX/XX/XXXX that I had an account in collections. I didnt recognize the company and knew Ive been paying bills on time. So I reached out to the company and asked what account could I have in collections? I was told it was an old account from XXXX from XXXX XXXX XXXX tv service. Its an old debt they received in XX/XX/XXXX. I stated this account was paid off Back in XXXX. I asked if my account was with them since XX/XX/XXXX why is this the first Im hearing of this? The male rep stated they never sent out any correspondence to me. No letter, no phone calls, no nothing. So I asked them to take it off my report. The man said he would do so but didnt know when it would occur. This has caused my credit score to decrease 40 points. This is hurting me since Im trying to buy a home but this reduced my credit.
Complaint sub-issue: Company closed your account

PNC Bank XXXX XXXX XXXX XXXX XXXX Kentucky XXXX. 

I received a letter from PNC Bank dated XX/XX/2018 advising me PNC Bank will be closing my personal and business accounts XX/XX/2018. I called the number on the letter XXXX to find out the reason several times and they would only tell me it is their right to close any account they want at any time. One representative hanged up on me after I ask her to let me talk with the manager. 
I am permanent disable and live on a fix income below the 1 % poverty level and need to have a checking account to pay my bills with checks or debit card. 

Primary account number : XXXX, XXXX, XXXX & XXXX
Complaint sub-issue: Account terms

Equifax is reporting a duplicate account with negative rating. With documentation from CFPB that shows reporting is wrong, letter from company apologizing that report is wrong, and calling Equifax and they state it is wrong. The report continues to report a duplicate account even after several attempts to dispute on line. 
Next phase will be suing Company and Equifax to false reporting.
Complaint sub-issue: Debt is not mine

In accordance with my rights under the Fair Debt Collection Practices Act, I am hereby requesting formal validation of the alleged debt you are reporting to the major credit reporting agencies on my behalf. Please note that I am not requesting a simple account summary but instead you should forward the following information in a timely manner : 1. Validation that the alleged debt was established, including a signed application for credit. 

2. Formal certification that the alleged debt was transferred to a third party if applicable. 

3. Notarization regarding the alleged debt 's P & L application to federal or state tax write off. 

4. A complete monthly accounting history from the alleged debt 's inception through the present date, including any alleged charges, penalties, service charges, and payments, as well as a certified attestation regarding current status. 

5. Documentation regarding your company 's compliance, including applicable bond, regarding debt collection laws in my state. 

I will look forward to receiving the requested documentation so that this matter will not escalate further. Otherwise, you are prevented from reporting this account to the consumer reporting agencies. Any further reporting is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809 ( b ) 15 USC 1692g.
Complaint sub-issue: Account status incorrect

XXXX the ticket I issues in on XX/XX/XXXX to update my payment method. I received a response tht my ticket was escalated. The next day my ticket was closed. I messaged the supervisor XXXX who advised me tht she would be taking the issue to the manager over customer care XXXX. I have yet to hear anything bn in regards to my ticket request for an update. My app doesnt even show where my account is at and when I call I either get hung up on, hold for almost an hr, and the form online continues to resolve my tickets when they are not even resolved. I was just hit with 51 points dropped on my credit due to MoneyLions lack of communication. This is no where my fault and I demand tht this be deleted off my credit. I did my part to request my payment to be updated but no one was ever able to assist me. Ridiculous.XXXX is my other ticket number where I had no help
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$920.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$440.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount : {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$1600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Complaint sub-issue: Debt is not yours

on XX/XX/XXXX i reviewed my credit report and it was reflecting a debt from XXXX XXXX by XXXX XXXX XXXX since XXXX. It is my understanding i am no longer liable for this debt because i turned the phones in.
Complaint sub-issue: Investigation took more than 30 days

You will see the Fraud Verification Unit of Best Buy has not responded back within the 30 days required under the FCRA/FDCPA, providing me with 1 ) the original signed consumer contract 2 ) video/phone surveillance proving ME to have a line of credit/usage. 

" Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the ORIGINAL signed contract-any and all accounts you post on a credit report. '' On XX/XX/XXXX I sent off a certified letter, demanding VERIFIABLE PROOF. They received my letter XX/XX/2020 at XXXX XXXX  They did not respond back to my letter with any proof. They sent another generated letter dated XX/XX/2020-STILL WITH MY NAME WRONG. 

My letter is clear. They are to cease and desist all calls and correspond with me by USPS mail. 

Without the ORIGINAL, PHYSICALLY SIGNED -- no online application -- this account is not mine and because they have not done as I have requested, entitled to under Federal Law, I demand the account be removed from all bureaus immediately AND all collections stopped.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX/XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/XXXX. 
Account Type
Complaint sub-issue: Reporting company used your report improperly

My privacy rights are continuously being violated per 15 U.S. Code 6802. I did not provide any expressed consent to the following companies to furnish information onto my consumer report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Also, the following financial institutions are in violation of my rights, being that they did not clearly and conspicuously provide me with the option to opt of consumer reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( No acct number ) ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was not given a choice whatsoever. No consent is identity theft! On four occasions, I have contacted the three major credit reporting agencies XXXX, Equifax, and XXXX, via certified mail, informing them of these matters and nothing was done as a result. These agencies do not seem to not have any respect for my privacy, as it states they are to have under 15 U.S. Code 1681. I have no indication that any fair and equitable procedures or investigations took place as a result of my dispute requests. None of the remarks or comments for the disputed accounts stated that they were in dispute, nor did I receive any notifications or alerts informing me of a dispute. I also requested that I be sent a copy of my consumer report upon completion of said investigations, which I was never mailed any. Lastly, I also informed the reporting agencies of several instances of incorrect data. I took my precious time to highlight, annotate, and remark my tri-bureau consumer reports so that they could have an easier time investigating. Nothing has changed on my reports. Myself, as well as the credit reporting agencies, are able to see the same exact proof of inaccuracies, yet they have done nothing about it. There are also discrepancies regarding payment history for a couple of accounts that I do not wish to have removed, but to have corrected instead from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX.
Complaint sub-issue: Account information incorrect

I have paid full amount to XX/XX/XXXX credit services which is the third party collection company that the original creditorXX/XX/XXXX are using. I have disputed the account and provided the evidence that was paid in full to the 3 credit bureaus and the results came back as " partially paid '' from account balance which is incorrect. They have told me to contact the lender which I have and they told me the account is settled so I do not know why the credit reporting agency is have inaccurate information.
Complaint sub-issue: Not given enough info to verify debt

I disputed XXXX ProCollect accounts in my credit file with the CRA. Procollect inturn sent was they considered " validation of the debt '' to me via mail. First, I never received anything regarding this debt before discovering it in my credit report in XXXX 2015. Secondly, when I attempted contact the original creditor, I find that they are no longer in business. So, when I received the " validation '' from Procollect, it showed me nothing! I have attached scanned copies of the attachment that procollect sent me as validation of the debts appearing in my credit file for {$600.00}, {$620.00} and {$620.00}. This does not constitute sufficient validation of the debt. This is something that I could have typed up myself. Surely this is not what they send others who are requesting debt validation. And sadly, this was what the CRA used to place this debt in my credit file. I emailed procollect informing them that this was not sufficient and they would have to supply the proper validation according to the laws in the state of Texas and I expected these accounts to be removed from my account. The 30 day period has expired.
Complaint sub-issue: Problem lowering your monthly payments

I would like to consolidate my loans but I keep getting some outrageous amount that already more than my debt itself
Complaint sub-issue: Debt is not yours

Several years ago XXXX XXXX XXXX installed two new internet accounts at a service location for me. They sent a third installer through some scheduling error. The third installer was sent away never having installed anything. The two accounts opened were always paid as agreed and eventually closed. XXXX XXXX XXXX never activated the third account but would not close the account because " without activation it did not exist. '' They put the installation fee of {$100.00} on the account balance. I could not " close '' an account i did not have open and they would not remove the balance without " closing '' the account. Eventually they sent the account to a collection company who inflated the amount and tried to collect. All of this information was given to the credit reporting agencies who removed the negative collection account from the record. The collection company then sold the account to ERC collection company. Who put it back on record with the reporting agencies. I repeated the dispute through the reporting agencies who removed it yet again. We are now locked in a cycle where ERC reports it and i dispute it successfully about twice a year. However this constant replacing of the negative collections is now the only negative thing on my report and is affecting my apparent creditworthiness, costing me much money and frustration all over an account that NEVER existed.
Complaint sub-issue: Their investigation did not fix an error on your report

I 've made request for this company to investigate and requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even tho ugh TWO YEARS has already passed. All I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Complaint sub-issue: Debt was paid

Acima responded back to my dispute with the CFPB, but clearly is violating my rights and the FCRA Laws. They stated I was charge off as of XX/XX/XXXX due to late payments. If you clearly see here on my records with XXXX it shows the 100 % truth that this company is lying and not following the laws. Also I have proof of other records that will be attached showing that on XX/XX/XXXX I was offered several options for this account as a settlement. So on XX/XX/XXXX I accepted the offer " DONATION '' option that was given to me by a representative of that company as proof shows attached.
Complaint sub-issue: Information belongs to someone else

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DID NOT BELONG TO ME. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Complaint sub-issue: Investigation took more than 30 days

THIS IS NOT AN UN-AUTHORIZED THIRD PARTY. I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. 
Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. 
I have tried serval times to apply for loans such SBA loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.
Complaint sub-issue: Problem with fees

Airline card with {$450.00} fee was canceled in the 30 day renewal window. Agent confirmed on the phone that the fee would be refunded in full within two billing cycles. Multiple calls and chat sessions with Citibank agents who promised fee refund but that has not been the case.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, i was in XXXX ( XXXX, XXXX XXXX ), I was charged an unclear ammount, and requested to get the receipt with the card provider once i was home. ( Billing transaction would be the XXXX of XXXX, XXXX ). 
Dispute credit date is XX/XX/XXXX for the ammount of XXXX. 

The only way i could do this since the hotel didnt list a number for Citi to contact with was via dispute. 
I was told that we could use the information provided to clear this matter up, and i requested a credit for the ammount of XXXX night. ( this was because i received a room with mold, and made a switch on my stay within the hotel. ). The charge seemed 1 nights room to high.

Instead of Citi reaching back out to me with the phone number and billing details, they justt closed the case and reversed the credit. 
Seperately, i disussed 3 other issues with similar outcomes because its very evident that the cardholder is the product, the vendor is the client. 
We have one with XXXX XXXX grading from XX/XX/XXXX for {$550.00}, ( {$1100.00} total charge ). This resulted in no help, and i later on my own accord/expense got the grading service of the other reputable competitor to show it was infact the highest quality. 
Seperately, i purchased something from XXXX for {$62.00} on XX/XX/XXXX and half the order was wrong. Citi would help even with the dispute service, and XXXX ended up locking my account, and Citi reversed the credit they gave me... once again leaving me to defend myself. 
XXXX ended up leaving me with the wrong package, and sending me the correct item. 
No longer on the ledger from Citi was an XXXX XXXX purchase. They sent me a destroyed white leather couch that the repair man said was caused by air bubbles in the hide. Then the furniture chain tried to replace it with another seconds leather couch. After months and months, and after Citi sided with the vendor, XXXX finally picked up the couch when i decided to rent my new home purchase. The closing date was XX/XX/XXXX, and i rented it by the XXXX of XXXX, XXXX, so that would be the time frame. and the couch was somewhere between XXXX and XXXX XXXX 
Citi is blatantly treating the US citizen as a product, not a card provider for the citizen, but a customer provider to the US and XXXX XXXX. 
This is wrong, please investigate it. 
When i brought this up with Citi on the day i opened the XXXX hotel dispute, i told them the best way to help was to provide a few dedicated representatives to help on the dispute. It seems they have no interest on this. I have emailed them about the intercontinental hotel since opening the dispute but haven't heard back. 
email involved is From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX ' XXXX Subject : XXXX Thank You, XXXX Last contact is XXXX.
Complaint sub-issue: Attempted to collect wrong amount

I called the debt collection agency which is handling my debt from XXXX XXXX XXXX to settle the debt with monthly payments. The agency tried to charge me a just under {$13.00} per month as a " convenience fee '' for using my debit card. would come out a little under {$150.00} more than owed, which is almost a 28 % increase of the debt
Complaint sub-issue: Personal information

A few years ago Equifax changed my date a birth in their system ( they somehow entered the month of my date of birth with the day and year of my wife 's date of birth ). They placed a freeze on my account saying I could not give them the right personal information but refused to tell me what information was not matching. I spent several months repeatedly sending my driver 's licence and other information in and enrolling in their credit monitoring service ( I was told this was the only way I could look at the information they had and find out what they had wrong ) before I was told it was taken care of. On XXXX/XXXX/16, I applied for a credit card and was told that Equifax still has the freeze on my account. I have tried to call, but the few times I get through I just get the run around.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax on XX/XX/XXXX and made them aware of inquiries on my credit report that I did not authorize and are a result of fraud. The inquiries and dates are as follows : XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have an active fraud alert on my consumer report with Equifax and I extended it for another 90 days in attempt to prevent any further fraudulent activity. I also submitted a police report to accompany my claim, which I have included with this complaint. The report contains information that proves my personal information was compromised. I received correspondence from Equifax stating that the fraudulent inquiries still remain on my report. I am very upset that my personal information is being mishandled by Equifax and I should not be held accountable for a fraud related situation.
Complaint sub-issue: Account status incorrect

My XXXX  home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent XXXX Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Complaint sub-issue: Company closed your account

Citibank had a checking account offer with an intro bonus of {$1500.00} for maintaining over a balance of {$200000.00} for 60 days. I opened the account on XX/XX/XXXX with the offer and kept my balance over the requested limit. A few weeks past 60 days, I tried moving the money out to a higher APY account ( Robinhood ) after verifying with an online agent that the terms had been fulfilled, but a day later the transaction got declined. 

On XX/XX/XXXX XXXX I got an email saying my checking account was going to be closed for suspicious activity. I called the fraud department and tried to escalate through multiple departments that I had only made XXXX deposit and withdrawal to request for my account to stay open. The representatives were unable to provide any assistance. 

I am based in XXXX and will have to fly out to visit the closest physical branch. Can I get help with reversing the closure decision, getting more details, or having some way of withdrawing the money more quickly? I feel it is also unfair they decided to close the account without fulfilling their end of the intro bonus terms.