Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$330.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This all started when I received an email asking if I would like to make big money working from home and I clicked yes. XXXX XXXX then called me via phone and said that I had inquired about working from home online. We talked and they told me they could teach me how to make money selling items on XXXX and XXXX. They also stated they would build me a website included in the costs. We then talked a little longer and I asked, what will all this cost me? and the gentleman stated that the cost for the training and website setup would be {$14000.00}. I told him I could not afford to pay that much money, he then proceeded to tell me I could put it on a credit card in which I would have 30 days to pay it off. He stated by the end of the 30 days I would be making well enough money and could pay the {$14000.00} back. I proceeded to put the charges on 2 different credit cards ( Citi and XXXX ) believing what he told me would be possible. XXXX   XXXX had their coaching team contact me and we set up coaching sessions with XXXX. XXXX trained me an hour once a week or sometimes an hour and half. The coaching program was all based on the time they had available. The coaching also consisted mainly about selling items on XXXX and not XXXX and XXXX. I found out later that you could learn how to sell on XXXX for free on their site. Once the website was finished, I looked and honestly it was so basic my grandson could have done a better job. I called XXXX and he showed me how to log on to the site and change the font along with other things. I then cleaned the website up myself to the point where I thought it looked better. Back to the training/coaching sessions. I never once received any training regarding selling on XXXX. I also never received any training/coaching on Social Media Advertising for example XXXX, XXXX, XXXX, I had to learn that all on my own. They also set me up with a drop shipper named XXXX XXXX which has been unsuccessful at making any money. I have an address for XXXX XXXX which is in XXXX XXXX, but all the phone contacts are in Washington State. I have been misled and pressured into services that were not needed. I would like a refund for the full amount as you can see, they misled and deceptively sold me. They told me that in 30 days I would be making well enough money and could pay the {$14000.00} back when in fact I havent made a dime.
Complaint sub-issue: Can't close your account

I have previously filed a complaint with the CFPB, XXXX # XXXX. I am submitting a new complaint as Citi has deviated from the steps they alleged they would take in response to this complaint. 
My father passed away on XX/XX/2022. I informed Citi of his passing by telephone on XX/XX/2022. Citi alleged they would contact me for further steps, but never did. I contacted Citi again and they requested a fax including a death certificate, living trust documents, and a letter of intent. I faxed all of the above to Citi on XX/XX/2022 and confirmed receipt on my end. 
Citi responded to my previous complaint alleging that they would close the account. In Citis response to my previous complaint they alleged that they had received the required documentation. When Citi finally contacted me a month later, Citi alleged that I had not sent the required documentation even though I had sent the documentation they asked for twice. 
Citi asked for new documentation they had not previously asked for including Letters Testamentary or a Small Estate Affidavit. Citi claimed they would not even discuss the account with me until I sent this. This contradicts their response to me previous claim in which they alleged that they had received the required documentation. 
Since then, I have filed a Small Estate Affidavit with the XXXX XXXX XXXX XXXX. I have faxed a certified copy to Citi as requested. However, the account is still open. Citi is still refusing to close the account or discuss the account with me, despite a legal obligation in the state of Oregon certified by the XXXX XXXX XXXX Oregon.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an inquiry from Credco reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at Credco in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX  number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the issue.
Complaint sub-issue: Reporting company used your report improperly

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My identity is under threat of being stolen. Loss of significant funds. They did not provide sufficient protection of my sensitive information.
Complaint sub-issue: Account information incorrect

I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower..
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Threatened to take legal action

My wife co-signed on a car loan for her son. Her son stopped paying on the loan and the car was re-possessed. We received a letter about a week ago from a collection agency named CU recovery, from Wyoming, with an amount to be paid. My wife contacted the agency and was told to try to get a loan to pay off the balance, and if we could not get a loan, they would work with us to resolve the account. Today, my wife contacted the agency, and was told that we had one hour to figure out how to pay for the debt, otherwise they would sue her and garnish her wages. My wife contacted me at my work and told me what was happening. I then contacted several lawyers for advise, as well as researching online what our rights were. I told my wife to contact the agency, and inform them that we were in contact with a lawyer, the agency then said we have one day to pay or they will start to garnish wages. They also said that we have a credit card with enough credit to cover the balance and need to pay now with that.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXXI attended XXXX XXXX XXXX in XXXX California. I took a leave for 6 months after I XXXX  XXXX  to my child, which left me XXXX! In XX/XX/XXXXI was on perminate XXXX! I have been fighting nelnet, us department of education and XXXX XXXX since XX/XX/XXXXfor my loan to be discharged. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX  to repair my credit. In XX/XX/XXXX- XX/XX/XXXXI got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped 25 points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I 've encountered one major problem with the way my payments are being handled by the lender.
1. I enrolled in automatic bill payments from XXXX XXXX months or even years ago believing that I would pay monthly interest while I was out of school to not accrue interest. When I went to review my account today I noticed I had accrued a little over {$600.00} in interest. It seemed a bit odd because my monthly amount was set for {$580.00} which should have taken care of all accrued interest for my original full loan of which I had already started making pre-payments for, thus some of that amount should have already started going towards the principal. I called the servicer to inquire about why that may be and also why when I look at my recent payments I only see the additional prepayment amounts and not my monthly automatically set up payments. I was informed that because I 'm back in school and do n't currently owe anything on my loans my payments were suspended by the lender. 
There are two problems with this : ( 1 ) I was n't informed via email or through any other means that my payments were suspended because of the aforementioned reason. 
( 2 ) When I visit the automatic payment page through the leander, it still shows that automatic payment, its amount, and asks whether or not I want to suspend the payment, which should be made the first of each month. That makes me believe it 's still current and not suspended. Also, nowhere else on that page does it mention that payment as being suspended ( please see the screenshot attached ). 
While talking to the supervisor about this ( XXXX ), I was informed that it was part of the original documentation when signing up for the automatic payment and, therefore, they fulfilled all of their obligatory duties in informing me of the payments being suspended while I 'm enrolled in school. 
Not displaying my suspended payment clearly on the automatic payment site where I go to review my payment is an attempt by the leander to accrue more interest. I ca n't be expected to remember every term of a document I signed years ago, nor would I go to review said document over the actual site where the payments are being made for the most up-to-date information.
Complaint sub-issue: Reporting company used your report improperly

The Bureaus claim they investigated and verified said account in dispute. Congress says in order for them to have conducted an investigation they have to have Spoken to neighbors, friends or associates etc, and if they spoke with them the information Provided can not be factual. 

I have even reached out to the UNited States XXXX District of Georgia Bankruptcy court in which I will attach documentation to this complaint as well. The Courts do not provide information to the bureaus so in fact the very fact that they are hosting this information on my report without consent and proper procedure shows that the bureaus are in FACT disregarding the LAW!
Complaint sub-issue: Investigation took more than 30 days

I received a copy of my credit report from the three major credit bureaus. In accordance with Federal Law, I exercised my right to dispute negative items off of my credit reports and received no response. I was very specific pertaining to the corrections that need to be applied to ensure the accounts on my reports are 100 % accurate and 100 % verifiable, and they have ignored and/or overlooked my requests.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX & XXXX XXXX BANKRUPTCIES ARE REPORTING TO MY REPORT. WHICH THEY SHOULD NOT. THOSE ARE NOT MY ACCOUNTS AND BEEN AFFECTING MY CREDIT SCORE FOR A LONG TIME NOW
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX reporting on Equifax and experian reports payment history is inaccurate. Currently Garnishment twice a month as well as voluntary payments being made.
Complaint sub-issue: Information belongs to someone else

I never had an account with XXXX  I contacted them but they never remove it from my credit report. Im a sick man with XXXX and cant even go to the gym
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX XXXX took me to court i didnt know it till i was served .i won the case against this lawyer.the judge evan wrote a 10 page law review article on the case. XXXX XXXX is the person who filed the case against me in court.the llc was just opened around the time XXXX XXXX was alleging i was in default.as i looked on XXXX XXXX an seen the llc 's that this attorney has opening an closing them, is crazy illegal to me.but he is the man im directed to when trying to resolve this issue. in my previous complaint about the reporting agencies. i will be filing a florida bar complaint as well as this i had a recent score of XXXX i was proud but since the end of court i havent recieved my XXXX dollars he owes me from court.and my credit is droping in some instances 50 points or more.because of his actions i have contacted him he represents XXXX   XXXX so he is in charge of the matter this man knows i won the case and so know between XXXX  XXXX and this attorney my credit is toast.because of these actions i fill victimized by this atorney.
Complaint sub-issue: Information belongs to someone else

FTC Violations OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices Leading Debt Collector Agrees to Pay Record {$2.00} XXXX to Settle FTC Charges XX/XX/2011 FOR RELEASE A leading debt collection company has agreed to pay a civil penalty of {$2.00} XXXX to settle Federal Trade Commission charges that its aggressive collection techniques violated federal law. As part of its efforts to protect consumers affected by the struggling economy, the FTC alleged that XXXX XXXX XXXX, XXXX violated the FTC Act and Fair Debt Collection Practices Act. 
XXXX XXXX {$910.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX XXXX late flexible spending card XXXX {$210.00} XXXX XXXX XXXX   {$540.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$340.00} XXXX Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Information belongs to someone else

i was a victim of the XXXX data breach of XXXX and the XXXX XXXX fund dividend data breach and because of this my information was stolen KLARNA CREDIT place account with XXXX XXXX XXXX Account number XXXX it not my account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Inquiry date XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX XX/XX/XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Information belongs to someone else

There was a XXXX Credit Card Opened in My name on XX/XX/2013 ( 4 yrs, 4 mos ) Balance Owed is {$18000.00} which is 122 % over the credit limit due to interest charges and fees accurred
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXXXXXX XXXX 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 a account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

I received communication from XXXX XXXX associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement that shows a completely different amount from what is being reported to the credit bureau. The address listed is not my address and inaccurate information is being reported. A billing statement does not show a binding contract per FTC XXXX letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Complaint sub-issue: Account status incorrect

The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations as this company is reporting an open account status but is reporting it as charge off repeatedly every month. 

I am demanding a deletion of the following account.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX I ordered my credit report from XXXX, I was able to obtain reports from two out of three companies. XXXX and XXXX  delivered my report promptly. Equifax sent me a letter, denying my report and asked me to send in copies of my documents ( social security, photo ID, proof of address. I have called the company and was asked twice for my personal information, and again was denied my report and asked to send in the copies of my personal information. It is all because of verification and information protection act, as I was told. When I ask for the reason, I was simply told to send my information. Unresolved, still no free annual report.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXXmy bank account was frozen. I contacted BB & T ( my bank ) they stated there was a judgement against me. When they provided the name it clearly didn't belong to me. 

I was directed to the attorney for judgement/order - XXXX XXXX who requested proof that the account didn't belong to their debtor. I requested the bank to furnish letter, account owner information and signature cards multiple times. I was told by the bank that they couldn't locate that info at the moment. After 8 days of requesting more info the bank finally furnished the restraining notice along with their Q & A from subpoena onXX/XX/XXXXwhich irrefutably verified and documented I was NOT the debtor and the debtor had nothing to do with my bank account. My account was levied that day after 8 days of being on hold for {$1800.00} which was all the funds I had in my account. 

This debt does not belong to me and my account is not associated with this defendant in question. All of my funds have been taken. 

BB & T was legally responsible to verify that the bank account levied was titled in the debtor 's name and that ownership matched the judgement. Title did not match, ownership did not match, and in fact the Q & A documentation that BB & T sent back to the attorney verified that the debtor in question is not associated with the bank account that was levied and that the account was not titled in the debtor 's name. None the less, BB & T still allowed the levy to proceed in spite of the facts which is highly suspect and raises reasonable doubt of BB & T 's practices. 

The bank account number the attorney added does not belong to the debtor ; BB & T must now be held responsible for my losses. The attorney added my bank account number and BB & T knowingly allowed the levy even though that bank account was not titled in the debtor 's name and did not belong to the debtor. 

I would appreciate your support holding the bank you are suppose to be governing responsible for irresponsible and fraudulent misconduct. 

This is completely unjust and unethical.