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

XXXX XXXX XXXX has called me twice. 

Background : Im working with a company who settles debt. I signed up with them in 2019. My credit keeps jumping every month after taken a big dive in 2019. 

The debt they are trying to collect is a debt was sent to me via another credit collections agency, asking me to settle the debt for XXXX dollars. I sent that collection notice over to the company Im working with and they handled it being as the debt is showing on my credit report as settled. 

Not only is midland credit management trying to collect the debt for the settlement of XXXX dollars, they also threatened me by saying they have lawyers in my area willing to take action. They lied to me about not working with my current debt consolidation company, which they do because they have settled an XXXX account that I had, Once again this is showing as settled on my credit report. 

I also contacted my credit consolidation company about the matter and they stated that the debt has been settled.
Complaint sub-issue: Problem with fees

Discover card fraud claim on account ending XXXX was denied they are refusing to give to me in writing exactly why claim was denied and are refusing to supply me with signature receipts for the fraud
Complaint sub-issue: Problem with fees

Placed an order for a freezer in XX/XX/XXXX with Sears. They could not deliver the product when promised stating they were having issues receiving the products from XXXX. They moved the date up however, could not deliver the product. We cancelled the order. 

We received statement from Sears every month thereafter charging us fees and interest now amounting to {$130.00}. I contacted the company several times but could not resolve the issues. Agents were extremely uncooperative and unprofessional. Hanging up the phone, not providing their employee ID number or were condescending. 

One of the supervisors ( Was polite ), took my information on XX/XX/XXXX and stated someone would contact me within 24/48 hours. She assigned a number to this case XXXX. On XX/XX/XXXX, received an email from Sears Customer Solutions stating : From : Sears Customer Solutions XXXX Sent : Monday, XX/XX/XXXX XXXX AM To : XXXX Subject : Case ID : XXXX " Dear my name, Thank you for contacting Sears Holdings Corporation . We thank you for allowing us the opportunity to assist you with your recent experience. If you have any further questions, please feel free to call us at the phone number provided below. 
In regards to your query regarding refund for the interest on cancelled order. We regret to inform you that you are not eligible for refund.. 

Case Number:XXXX? 
Phone Number : XXXX. 

Sincerely, XXXX XXXX XXXX Member Services On XX/XX/XXXX, I responded to Sears Customer Solutions by stating : " Good afternoon : The amount needs to be removed from my record as you have not provided us with any product or service. Why are you charging me the fees and interest? I need your explanation of these charges. '' My Name My Telephone Number On XX/XX/XXXX, I called Sears Hometown Store located in XXXX XXXX, Wisconsin where I initially placed the order. I requested to speak to the manager. Manager was extremely belligerent and condescending who did not want to listen to the issues. He also hung up the phone.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX XXXX which occurred in 2019. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Equifax twice, and results have came back in the decision not to remove an inquiry that isn't mine.
Complaint sub-issue: Reporting company used your report improperly

I sent copyright infringement notice and it was received on XXXX. I gave the company 10 business days to comply with my notice. I received notice that I put in a dispute but I put in a demand to comply with notice. The credit reporting agency doesnt have my written consent nor have a permissible purpose according to : 15 USC 1681 Section 602, 15 USC 1681 Section a section 2 and 15 USC 1666b
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2020, I sent a letter to XXXX XXXX XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with Equifax, sent them a copy off this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising

Loan Open Date : XX/XX/2009 Loan Amount : {$8300.00} As a recent XXXX XXXX XXXX, I was not sure what I wanted to do with my life. I decided to go to XXXX XXXX for information about the programs they offered. Their commercials drew me in because they mentioned they had a high rate of obtaining employment after graduation. Their sales/recruiters were super friendly and pushy. I only went for information ; however, they did not let me leave until I signed up for one of their programs. 

I was young and nave. I was also at a point where I wasnt sure what I wanted to do with my life, and I felt that they were leading me in the right direction. I told them I was interested in Technology or Computer Science a
nd they advised me to pursue a degree in Computer Drafting and Design. At first, I told them I didnt know anything about that program, and I wasnt comfortable about pursuing a career in that field. They assured me it was similar to what I wanted to do. I took their word for it and enrolled in that program. I attended for about a year and the program was not what I was told it would be. I met with a counselor and she changed me to another program, however, I enrolled halfway through the course and could not catch up. I didnt want to quit especially after taking out an {$8000.00} loan but I had no choice. I felt that I was set up for failure. As a result, I went into a deep XXXX and contemplated XXXX. 
Its not fair that 10 years later, I am still paying for something that I felt forced into and for a school that is obsolete and has no credibility. I cant say I am shocked to see that school close down because their sales tactics were misleading and deceptive. They also tricked many people into taking out high-cost loans without understanding the terms and conditions for paying them back.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXX XXXX XXXX XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
T
Complaint sub-issue: Old information reappears or never goes away

While in the process of attempting to establish and maintain a positive ; credit rating, score, and payment history ( six, suggested late pays ranging from 30 days to 60 days, some consecutive ) I've noticed that after my account with perfect payment history 's closure in XXXX after a financial fraud was committed on my account and they sent me a card ending in XXXX. Card was replaced twice before. After the data breach of XXXX, XXXXXXXX XXXX XXXX payment history on my account changed negatively. They also said they will be doing nothing about the matter, that the data is accurate and they can not give me any information on account closure dates. They have me red flagged ever since. I also have been having problems with their customer service agents and pre-qualification tool. 
About the pre-qualification tool first. Three different sites ( XXXX, XXXX XXXX, XXXX  XXXX XXXX and suggested I was well qualified for the XXXX XXXX Rewards Card, they offer only to be rejected for the application due to XXXX XXXX XXXX  corrupt debt handling and collecting practices and policies. Thus, being well qualified? And the tool leaves a HARD inquiry on my credit profile yet suggests no harm to your credit score. 

Lastly, the ambient sounds from XXXX XXXX XXXX customer service department was suggesting a pedophile was on the phone stating, " Come on XXXX, can't we grant him a credit card? '' Only to have my customer service agent on the phone with me start talking with an XXXX XXXX accent, followed by a sniffles and laughter. I DO NOT like people trying to discriminate against me, even PLAYFUL ATTEMPTS. The customer service in the background also said that XXXX is a XXXX in XXXX after attempting to put me on hold. 

THIS IS DISCRIMINATION ( ATTEMPTED AND SUGGESTED ) AND FINANCIAL PROTECTION ABUSE THAT XXXX XXXX IS ; LIABLE FOR, AND NEEDS TO BE IMMEDIATELY ADDRESSED. 

*XXXX DATA BREACHES XXXX, XXXX, AND XXXX. 
*SUGGESTIVE DEROGATORY REMARKS, SUGGESTED FOR ME, FROM CUSTOMER SERVICE OFFICE ( AND MANAGEMENT ) AMBIENT BACKGROUND AND PHONE REPRESENTATIVE ( S ). 
*CHANGING REPORTED INFORMATION DEROGATORILY AFTER ACCOUNT CLOSURE AND DATA BREACH ( ON STATEMENTS ALSO ). 
XXXX IF ASTERISKS 2 AND 3 ARE TRUE THEN IT'S A PART OF A DISCRIMINATORY GOVERNMENT CONSPIRACY AGAINST ME IN ATTEMPTS TO GAIN FINANCIALLY. CHECK PHONE RECORDINGS CUSTOMER SERVICE AND XXXX XXXX LAST 4 OF CARD ENDED IN XXXX. 
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Complaint sub-issue: Information belongs to someone else

I have tried to dispute these fraudulent inquiries multiple times. Every bureau has removed them except Equifax. 
Based on 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in XXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

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

According to 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
Complaint sub-issue: Debt was paid

OnXX/XX/XXXX2015, I took out three phones from XXXX with a family plan. A week later, I returned all three phones on the store, located at XXXX, XXXX County, Florida because the phone connections do not meet our expectations. Since I returned my phones to XXXX because the expected signals did not meet our family expectations, and I paid the appropriate fees for that transaction, and I am not obligated to pay anything to this company. However, XXXX has tried to collect a debt of {$830.00} with different collection companies. They have hurt my credit inappropriately and despite my phone is placed in " Do not call list '' they are continuing calling me looking for the " supposed '' debt. Despite, I have sent several letters requesting a Video recorded analysis in the store in which the supposed transaction was done, they have omitted this fact and they just send me bills with no signatures with my name at the top. Please, investigate this complaint and have them to remove it record from my credit report. Thanks
Complaint sub-issue: Application denied

After multiple complaints about an internal error within the Discover application system and reporting the information to the the CFPB, Discover has blacklisted me from getting a credit Card from them. The sad part is that when banks, creditors, lenders need a bailout the government doesnt blacklist them. I had a Discover Card Back in 2018 never ever late and paid in full. Two weeks later they closed it. Since I reported it to CFPB they have chosen to retaliate against me by giving me the following reason for declining the card ( even though I get pre approved ) and I have never been late payment on my creditors is impeccable.

Thank You For Youre Interest In Discover We Could Not Approve Your Request Due To The Following : Status Of Existing/ Prior Discover Card Account I reported this to XXXX XXXX Executive Office Of Customer Advocacy whos job is just to reassure me that I am on the Discover Black List for Filing A Complaint. 

The matter wasnt even resolved but I do believe that I am currently being definitely discriminated against because of my current address and age too.
Complaint sub-issue: Reporting company used your report improperly

I took a look at my consumer report and found that XXXX, XXXX and EQUIFAX is is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. The United States XXXX XXXX XXXX XXXX XXXX has verified that they are not and do not furnish bankruptcies to consumer reports. Furthermore, I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to XXXX, Equifax and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). My consumer report does not include a report containing information solely as to transactions or experiences which means the bankruptcy furnished is a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). XXXX, XXXX, and EQUIFAX has caused harm by furnishing inaccurate information on my consumer report. According to 15 USC 1602 ( p ) the consumer reporting agencies do not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. This transaction was not initiated by me which is a violation of 15 USC 1681b ( c ) and 15 USC 1681b ( 2 ). Without lawful authority, by using means of my identification the consumer reporting agencies are committing aggravated identity pursuant to 15 USC 1681a ( q ) ( 3 ). Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act US Dept Education acct # XXXX has violated my rights. 
US Dept Education acct # XXXX has violated my rights. 
US Dept EducationXXXX acct XXXX XXXX has violated my rights. 
US Dept EducationXXXX acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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

My divorce was finalized XX/XX/XXXX after 30 years of marriage. I filed my own divorce surrendering everything and all debt to my husband due to no money after being bankrupted in a custody battle over my XXXX granddaughters in my care through CPS. I have been targeted with unbelievable cyber XXXX destroying 78 computers, my online identity and ability to work or attend college without harassment. I have mailed my final devorce decree to all agencies and they will not separate my file removing all my ex 's debt. He has the house. I am in shelter with my mother attending college. All bad debt was placed in my name alone and sued twice by XXXX XXXX for debt that was originally applied for joint. I cant establish new credit because the debt ratio does not line up with my income with his debt on my file. I need a separate file in my new name. I only have {$450.00} student loan and a XXXX XXXX joint with my mother with a XXXX balance. I have filed over 100 police reports of the cyber XXXX and ignored. I just tried to sue the FBI to have them document my case and DENIED by the judge to sue as pauper. I have sent letters for help to XXXX XXXX, ic3, President Trump and every agency over the past 6 years. I was just accepted in XXXX School with a XXXX GPA and not able to attend because of the extreme technology interference. I have a perfect clean background and a XXXX grandmother that has lost everything and blocked rebuilding credit, finding employment and getting a degree.
Complaint sub-issue: Account information incorrect

Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020 - XX/XX/2020 Actions Taken by Me : Sent 4 dispute letters to All bureaus ( XX/XX/XXXX, Equifax and XX/XX/XXXX ) by Certified Mail Return Receipt to remove inaccurate accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, this creditor " Discover Bank section 6 o 2 : had violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Complaint sub-issue: Problem during payment process

I went to pay my

CITI card by phone. I have done this multiple times before. I wanted to make a one time payment. Before doing so I reviewed the terms on the statement for payments by phone. The terms were : For phone payments you authorize CITI to electronically debit your specified bank account by an ACH transaction in the amount and on such date that you indicate on the phone. YOU ALSO AUTHORIZE CITI TO AUTOMATICALLY DEBIT YOUR SPECIFIED BANK ACCOUNT EVERY MONTH, in the amount and on the same date each month you indicate on the phone until you withdraw your authorization. I called to make the payment and was routed to a automated system. One of the first things the system indicated was " you are agreeing to the payment terms on the statement. '' I hung up and
did not pay. I then called and spoke to a representative named XXXX. I

went over the terms and asked if it was correct that if I made a phone payment I would be enrolled in auto pay. She said no despite what the terms clearly state. She said I was not enrolled in auto pay and accepted a one time payment from me over the phone. At least I hope that's the case. The credit card terms should make clear that one time payments by phone can be made and not be forcing people to enr oll in autopay just because they are making a payment by phone.
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

XX/XX/XXXX received documents in mail about court approved payments to be taken out without myself being served to go to court didnt know anything about it until payments was taken out before i received the letter in mail, amount that was owed {$5500.00} and they received that full amount on XX/XX/XXXX instead they continue to go in my checks and the amount they say i owe no is more then the balance that was owed because the car was sold for the amount of {$6500.00} and the total amount of the car was {$10000.00} as of today they still garnishing my check for {$9500.00} i have documents that say different. The actual company said they received their money years ago and that they dont understand why money is still being taken out from my checks and that i should call the Wilson Lawyer company and i havent received a call back still