Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

I spoke with a supervisor named XXXX in XX/XX/XXXX regarding a debt of {$600.00} which they purchased pennies on a dollar from XXXX. I wanted to talk settlement as I requested she submit in writing the amount of the debt along with an arrangement and to also clear my credit file of such debt. The arrangement paying {$500.00} inlieu of {$600.00} and for them to submit in writing the arrangement. She mentioned they would sue me if I did not pay. I was served with a notice XX/XX/XXXX of a civil suit filed against me which would include fees they accrued from filing. A simple request to someone that was negligent turns into a legal matter as I did not agree on payment or this debt without a written confirmation. Which I never received.
Complaint sub-issue: Public record

State of GA placed a tax lien of for {$650.00} with a filing date of XXXX XXXX, XXXX stemming back to XXXX tax year Lien shows as paid in XXXX XXXX, XXXX I made several payments before and after this, my payments were applied to the wrong year Reference # XXXX was listed on my credit report
Complaint sub-issue: Fee problem

PNC Bank XXXX XX/XX/XXXX. A deposit and withdrawal were processed at XXXX XXXX  their cut off time. An ACH was going to be processed by the XXXX. I wanted to close the account but until all ACH transaction had been taking care off, I could not close the account. So I deposited the amount of money on the XXXX at XXXXXXXX XXXX, to cover for that pending ACH. the next day on XX/XX/XXXX, the statement shows a {$36.00} overdraft fee that had put the account on balance by exactly the overdraft amount - {$36.00}. Remember, I wanted to close that account so I made sure the balance was going to be XXXX by the end of the XXXX. I contacted Customer Service the next day ( XXXX ), despite that bank statement says exactly this : 1-Deposit Processed on XX/XX/XXXX XXXX Withdrawal on XX/XX/XXXX balance {$0.00} 3-Overdraft fee on XX/XX/XXXX - {$36.00} Customer service said that they could not reverse the fee transaction cause the money was not available to cover for the ACH, though they both were posted and cleared on XX/XX/XXXX at the bank cut off time of XXXXXXXX XXXX. 
I consider this is an abusive practice, they know I wanted to close the account due to I moved to a state that they don't have branches to bank with, and they insisted that I can not close the account now till I pay the overdraft fee, that I was not supposed to be charged with.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX # 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: Not given enough info to verify debt

I received no information regarding this debt. When contacted company was hung up on multiple time. I have not received any documentation support that this debt is even mine and collection agency refuses to send any or answer any questions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I noticed a purchase made on my XXXX XXXX XXXX XXXX credit card due to receiving an email stating my order had been shipped. I logged into my XXXX 's account and found a charge for {$260.00} for a XXXX XXXX XXXX XXXX XXXX. The order was placed on XX/XX/ and shipped to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, phone number XXXX. I contacted XXXX 's and spoke with 4 different representatives who kept transferring me around the Fraud department. I was eventually placed on hold and waited 17 minutes and no one returned on the line before I disconnected. I called back and was directed to the Fraud department again. They explained that they would cancel the shipment and that I would not be refunded until they had the item back in hand. I explained that this was not fair, I did not place the order, and felt as if I was being punished due to a fraudulent charge placed on my account. I asked to speak with a supervisor and was placed on hold again, I waited 10 minutes and eventually disconnected, again. I called back, and spoke with a representative in the Fraud department who closed my account and explained I would need to fill out paperwork that was going to be mailed to me. The due date for my minimum payment is due XX/XX/ and I do not feel that I should be responsible for paying on this fraudulent charge. XXXX XXXX has been nearly impossible to work with, I have spent countless hours on the phone/hold with their departments to have nothing resolved. The shipment to XXXX XXXX was never stopped and did get delivered to him on XX/XX/.
Complaint sub-issue: Old information reappears or never goes away

They are still trying to collect after 21 years. They say the account is open. And I owe {$1400.00} but have available credit of {$9600.00}. I have not oaid on that since XX/XX/2000.
Complaint sub-issue: Account status

I only had XXXX medical bill that was sent to collections because I thought the insurance company paid it. I called the collection agency and paid the balance in full. They sent the info to XXXX and Equifax both that it was paid off, {$0.00} balance and account closed. XXXX is showing that it is paid off and closed, but Equifax refuses to show that. The collection agency changed names at one point. It was reported to XXXX under XXXX name and to Equifax under their previous name, but it clearly shows the same account number, amount, date, everything. Im trying to improve my credit and get my score above XXXX, and with equifax I am almost there. In the high XXXX 's with that collection account still showing.If they would fix it my score should come up. Also XXXX does not show my mortgage that Ive been paying for over 18 years, but Equifax does. My score with XXXX is always lower because of that.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  Credit Report showed on my records that I have 30 days past due with XXXX  store in XXXX  2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XXXX  XXXX   . But it says on my records  30 day past due in XXXX. And it brang down my credit score
Complaint sub-issue: Information belongs to someone else

On my Equifax credit there are two hard inquiries for credit which I did not make. On XX/XX/2021 there is a hard inquiry listed on my credit report from XXXX. I did not make that inquiry. On my credit report it also shows a hard inquiry from XXXX on XX/XX/2021. I did not make this inquiry. I filed an identity theft report regarding both of these incidents and I have attached a copy of the identity theft report. 
I am asking that these hard inquiries be deleted from my credit report immediately as I was a victim of identity theft.
Complaint sub-issue: Problem using a debit or ATM card

Hi earlier this month, I paid a 5 dollar fee to have a replacement card sent out and the card was supposed to arrive within 3 to 5 business days. The card hasnt arrived, and I have had no access to any of my money for weeks. Due to an issue with my phone company, I am not able to call the company to discuss the issue by phone, but I have contacted the company through the bbb, and have not heard from the company this time. I have had similar issues with this company multiple times in the past with my money being put on hold in some sort of way without me being able to access it due to an issue on their end, and it felt like it was being done on purpose. For some reason, I keep having issues with things that should be simple
Complaint sub-issue: Investigation took more than 30 days

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$790.00}
Complaint sub-issue: Account status incorrect

I have two inquiries on my credit report without an active account connected to them. One of the accounts is from XXXX XXXX credit card that was created on XX/XX/XXXX and the account reports closed. The other account is from XXXX XXXX XXXX created on XX/XX/XXXX. I never gave consent to either of the companies to initiate a credit transaction that created the inquiries. I contacted Equifax credit solutions and they instructed me to file a FTC report and FTC.gov transferred me to CFPB to make my complaint. Hopefully this gives a full and clear understanding to my dilemma that needs your urgent attention. I have attached a copy of a highlighted copy of the credit report with the specified items that needs to be deleted. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPT OF ED/NAVIENT-Balance $ XXXXDate Opened : XX/XX/XXXX DEPT OF ED/NAVIENT-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX. XXXX-Balance $ XXXX-Date Opened :XX/XX/XXXX
Complaint sub-issue: Account information incorrect

Information remains on my credit report after countless attempts at removing information.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX XXXX Date of service XXXX XXXX bill from XXXX XXXXXXXX XXXX XXXX {$380.00}, XXXX bill from XXXX XXXX XXXX XXXX  {$380.00}, XXXX I called XXXX, was told that XXXX XXXX XXXX XXXX had to billed incorrectly, XXXX sent them a letter, XXXX AR Resources notified credit agency of a collection account in the amount of {$380.00} and sent me a letter of collection, XXXX I received XXXX insurance letter showing a copy of letter sent to XXXX XXXX XXXX XXXX  regarding submission of bill for {$380.00}, XXXX I called XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  related that they would contact AR resources and pull the bill back from collection pending XXXX payment, XXXX I received explanation of benefits from XXXX showing they amount they paid and the amount that I owe to be {$32.00}, I never received an accurate bill from XXXX XXXX XXXX XXXX, I never received an accurate bill from AR Resources collection agency, XX/XX/2021 XXXX XXXX XXXX XXXX billing was acquired by XXXX XXXX billing services, XXXX I saw the collection account on XXXX, I contacted AR Resources and paid the {$32.00}, AR Resources stated that once the payment was made that the account would be removed from the credit bureaus, they stated that they do not have a pay to remove option but that they would remove the collection upon payment and that it would take from 30 45 days, XXXX I called XXXX XXXX  billing services and asked for assistance with removing the collection account from my credit report. They stated that they could not do anything to assist because they were not the originator of the bill, XXXX I called AR Resources, I was told that I would just have to wait the 30 45 days for the collection account to be removed from my credit report. I asked why I was never sent a correct billing. I was also told that they had adjusted the amount from {$380.00} to {$32.00} in XXXX of XXXX  and that I should have called them to find that out. I was also told that they sent me a letter on XXXX detailing the payment are removal of the collection. I have not yet received that letter, IF this account had EVEN been properly billed I would have paid it. I do not feel that I should be penalized due to the errors by the original billing company, the collection agency and the secondary billing company. 

AR Resources stated that all of our calls were being recorded so they will have verification of the statement that they would completely remove the collection account from my credit report and my correct credit score would be restored.
Complaint sub-issue: Company closed your account

I opened a regular checking account with money lion In XXXX of XXXX depositing {$200.00} into a checking account XX/XX/XXXX to be used as a credit builder boost account also. I decided to go a diffrent option to help my credit and with banking choice. I decided to close the money lion account in XXXX of XXXX, my deposit was refunded to me XX/XX/XXXX. I subsequently followed up with money lion to confirm my account closure through email on XX/XX/XXXX. The represenative informed me that this was due to a marketing venue even though the email specifically discussed my personal account. I had believed the closure went as planned until I got an email informing me to log into my account due to inactivity and to check in to the credit builder activity. I emailed money lion again to confirm that my account was closed, I got a reply email on XX/XX/XXXX confirming that my account was closed and inactive. Again, I believed that the issue was resolved until I got another email XX/XX/XXXX letting my know that my account was still open and inactive for XXXX  years encouraging me to log in and check my account activity and add funds to my account in the next 7 days from XX/XX/XXXX. I reached out again by phone to confirm closure and they assured me the account was completely closed and deactivated and my personal information had been removed. They promised to send me a formal paper letter in the mail giving me solid proof that my account has been closed, deactivated and discontinued. As of XX/XX/XXXX I have not recieved any documentation from money lion to clarify this issue. I have also been a victim of Identity Theft and Fraud to which I explained that I needed to have this documentation for my own Identity Protection.
Complaint sub-issue: Their investigation did not fix an error on your report

As per FCRA : Courts do not furnish Bankruptcy information to CRAs directly..nor do Filing Attorneys.. 

So they must be put on the Reports by the CRAs from public record without authorization from the Consumer, Courts, or the Filing Attorneys. 

With that truth..then are CRAs only able to report information/creditors to a consumers report ONLY if it is furnished to them directly from the creditor/furnisher? In this case : Courts and or Filing Attorneys. 

If TRUE..then my Chapter XXXX will be removed now. Although we are approaching the 10 year mark..it was not DIRECTLY furnished to the CRAs for reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX do not have a complaint with any of the credit bureaus. This complaint is to make the credit bureaus aware that there is a debt collection agency that has abused my credit with Equifax and XXXX  respectfully. All debt collection agencies sign an agreement with the credit bureaus to report collections within the rules bureaus submit in their agreements. In 2015 the CFPC ( Consumer Financial Protection Bureau ) reached an agreement with the three major credit bureau on a change in rules on the reporting of medical debts. The rules call for a 180-day notice that must be submitted to the consumer that he/she has 180 days to rectify the collection, either through insurance, settlement or paid in full with the original medical facility or debt collection agency before the collection can be reported to a credit bureau. A copy of this decision from the CFPB is attached to this complaint. I am certain that the collection agency in question, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX is in violation of the rules with thousands of consumers, and their agreement with the bureaus must be voided immediately to stop this egregious activity that destroys consumers credit ratings. The collections must be terminated permanently and this agency should be given serious fines and sanctions by the CFPB accordingly. This activity by medical collection agencies must be given a stern discipline to cease such activities that hard consumers credit.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased kitchen cabinet remodeling services through XXXX XXXX  with the contractor being doing the work as " XXXX XXXX XXXX XXXX '', as a revolving credit account which was assigned for financing to Aqua Finance , Inc . I recently applied to refinance my home and was informed that Aqua Finance , Inc. is showing up on my records as a mortgage with a home improvement lien against my property. I was never advised that this would be the case or stipulation. I contacted Aqua Finance, Inc. and requested a release of lien letter and they will not do it. My welcome letter state revolving credit program, revolving credit account, credit purchase. Nowhere on my billing statement does it say anything about mortgage. 
I have no problem paying the account as a revolving credit account, and my account and payment status is current. 
I do however a problem with the lien on my property without my being advised, informed, etc., and nothing in writing that informed me of such. Please advise what can be done to legally to have Aqua Finance , Inc. provide me a release of lien letter as soon as possibele. 
Aqua Finance , Inc., XXXX, XXXX XXXX IL XXXX XXXX ext. XXXX Acct # XXXX XXXX XXXX XXXX XXXX,
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus last XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}
Complaint sub-issue: Information belongs to someone else

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX,
Complaint sub-issue: Account status incorrect

Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.
Complaint sub-issue: Account status incorrect

The following accounts/items do not belong to me. Please delete immediately.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2019, XXXX acquired unauthorized access to my credit report.
Complaint sub-issue: Other problem getting your report or credit score

Equifax is currently not showing a credit number for me. The other two companies are. The company has told us if we get a membership we could " boost '' our credit. We tried this option and they want to connect to our bank account and we do not feel comfortable with that especially considering their recent credit breach. BUT we tried anyway to " boost '' our credit and they do not support my credit union. I feel like this agency 's practices are not ethical. In addition the agency 's are showing that my mortgage was discharged in bankruptcy and it was not. I still live in the home, my name is on the bill and I pay the mortgage every month. They also told us getting their credit card could help. I applied and was approved, again a conflict of interest and ethically questionable. How can the credit agency make these demands to give us a credit number?