Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

On XXXX, 2016 The collection Company Alltrans Financail L/P / United Recovery Services Debt Collector XXXX XXXX XXXX started calling, He was instructed to call back after the Holidays. XXXX,2016 at XXXX another call XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, and XXXX, 2016 at approximately XXXX XXXX XXXX XXXX Calls my place of employment and left a message with my supervisor for me to call him back at XXXX ext XXXX, on this date XXXX XXXX XXXX was given several verbal instructions not to call my place of work and to stop calling my phone, because the Company has a open debt they need to pay, I am only the Point of Contact for the Business Credit, So he threaten to place the bad debt on my personal credit report if I did not pay, Shortly after I ended up speaking with a Division Manger XXXX XXXX at XXXX ext XXXX. XXXX XXXX XXXX also stated that he is going me 24 hours to contact him with a decision on how the Debt going to be paid before he place the bad debt on my credit file, and I told him the Business Credit card was under a Federal Tax ID number and not my personal social security number, and IF use my social number without my permission it would be fraud if they place a company Bad debt on my credit file. As of today the company fraudulent misrepresentation it self by using information not provide by me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

upon reviewing credit reports from all 3 agencies I noticed a bunch of unknown inquiries that are on my report and remain on there even after numerous disputes. I am beginning to think the credit agencies are ignoring my requests by taking shortcuts and not actually verifiying info because I keep getting the same generic answer for every dispute despite not being provided any documentation or proof such as forms with my signatures or authorizations. 
the following inquiries are as such transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

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 a 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 reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

I have paid off XXXX XXXX XXXX thur a collection company. I had a XXXX balance and now im showing a balance of XXXX on a credit card with XXXX limit. does not make sense. XXXX  XXXX is a rip off.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered an XXXX XXXX XXXX {$530.00} from XXXX on XX/XX/XXXX. The XXXX came completely damaged box console everything and i went to return it. XXXX banned my account and said i could not return it even though it's in my right through policy but with the ban i could not. They told me to contact my Finacial institution, which they did absolutely nothing contacted filed on XX/XX/XXXX same day i received the package and ended in XXXX about the XXXX with them just saying " need proof XXXX issued refund '' which makes no sense i was willing to return it.
Complaint sub-issue: Problem with personal statement of dispute

To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXXXXXX  XXXX XXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX since my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you.
Complaint sub-issue: Debt was result of identity theft

I received a demand letter from XXXX  a collection company. XXXX is demanding XXXX for debt collection for XXXX XXXX XXXX XXXX XXXX.

This debt does not belong to me and is a result of identity theft. I have made serval attempts to resolve this issue with XXXX with no help.

XXXX is attempting to collect a debt which never belonged to me.

I demand this debt be verified and copies of all documentation for this account be emailed to me for discovery.
Complaint sub-issue: Problem with personal statement of dispute

I have made the same disputes with all three credit bureaus for months. Just recently XXXX rectified the situation by removing all the incorrect information from my report. After that was completed, I reached out to equifax and XXXX to see what was necessary to remove the same items. I was told to dispute it. I explained I disputed multiple times and it was returned as correct info. They said since XXXX removes the items its likely if I resubmit the dispute the same ones will be removed for their reports as well. So I disputed it again, to my surprise it returned as correct information. So I called again and was told the companies provided evidence it was correct. I asked how could it be correct for this report and not for another? I also asked if I could get this supposed evidence and was told to reach out to the companies. I dont think its fair that I have to keep disputing for months and the two reports still show incorrect/ fraudulent information. I want the items I have disputed numerous times to be removed. I even offered to provide proof XXXX removed the items and was told it wasnt needed. At this point I dont know what to do, but it rectify ASAP so I can repair my credit score.
Complaint sub-issue: Banking errors

I began to receive random, unauthorized charges to my CashApp debit card, which depleted my money directly from my CashApp balance, on XX/XX/2022. 
I opened disputes for each and every one of these purchases immediately, and let them know that my CashApp card had been compromised. I began receiving money back for a FEW of the transactions that I disputed on XX/XX/XXXX. 
I alerted CashApp at the time of dispute that my card had been compromised, and needed to be locked down, and that any and all purchases starting on XX/XX/XXXX were no authorized, not mine, and were fraudulent. 
They clearly agreed that this was the case, because they began to refund me for SOME of those transactions, claiming that they were ruled in my favor - " Your Cash Card dispute claim was resolved in your favor and is now complete. A credit has been applied to your Cash App balance and is ready to use. '' However, they then declined to refund some of those disputed transactions - some of which were from the same merchants on the same exact day as purchases they chose to refund and rule in my favor. 
I contacted CashApp customer service 100 's of times and was blatantly ignored. I continued to reopen disputes, because I was not going to allow them to steal my money and ignore me. 
Instead of resolving the matter, or answering my constant attempts at contact, they closed down my CashApp account. 
They then sold off stocks I had purchased through CashApp, MONTHS later, without alerting me, emailing me, OR paying me for them. The stocks were sold on XX/XX/2022 for {$38.00}, but I never received a cent of that, and it is not in my CashApp balance, since my account is closed down and can not hold a balance. 
So not only did they sell off my stocks without my consent, never alert me of it, but they stole the profit as well. 

CashApp fraudulently stole hundreds of dollars from me during a dispute period, while refunding and ruling smaller purchases from the fraudulent chain of transactions in my favor, shut down my account, fraudulently sold off my stocks, and then stole that profit. They are a horrible company with no customer service, that don't follow any proper banking practices, and should be charged criminally.
Complaint sub-issue: Was not notified of investigation status or results

THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.
Complaint sub-issue: Account information incorrect

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$2400.00}, per the FCRA this is a violation, balance should be XXXX Date Opened : Inaccurate Balance : Should be {$0.00} High Credit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX, XXXX was informed that I was a victim of identity theft. 

I filed a police report and contacted the companies whose accounts were fraudulent. 

I recieved paperwork providing proof that the accounts being reported on my Equifax credit report were due to identity theft. 

Equifax for some strange reason, keeps reporting the fraudulent accounts as accurate. 

I sent the exact same proof to the other credit bureaus ( XXXX and XXXX ) and they both corrected the errors. 

I have sent and spent postage over and over to Equifax and they refuse to correct the errors. I have been embaressed, ashamed and hurt because of the errors due to identity theft that Equifax refuses to correct.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021, I requested a credit line increase of {$3000.00} online for my XXXX XXXX XXXX XXXX XXXX  at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, XXXX XXXX informed a hard credit inquiry without my consent or knowledge at the time or the credit line increase request. This is illegal. No way to provide my consent to a hard credit inquiry ( I.e. no button, signature, or check box was made available to provide consent ). Furthermore, the website provided no notice that a hard credit inquiry would be performed : no terms & conditions or verbiage were present before proceeding with the credit line increase to specify that a hard credit inquiry would be performed. 

XXXX XXXXXXXX XXXX hard credit inquiry now shows under " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX on my credit report and is impacting my credit score. 

I contacted XXXX XXXX today at XXXX to try to resolve the hard credit inquiry issue and inform them that it was performed without my consent or knowledge. However, they denied that the website did not ask for my consent. 

Note : Please see the attached screenshots proving that I was not notified about the hard credit inquiry before requesting a credit line increase. I also have a copy of my credit report to showing the hard credit inquiry.
Complaint sub-issue: Information belongs to someone else

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, Bankruptcy ( s ) # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX XXXX ( ALL ), XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX # XXXX, Judgments ( ALL ), XXXX # : XXXX, XXXX XXXX XXXX # : XXXX. Remove all address other than my current address of XXXX XXXX XXXX XXXX, Il XXXX ; Remove all non-account holding inquiries over 5 days old,
Complaint sub-issue: Debt was paid

I had a debt with XXXX for the amount of {$54.00} that was paid in XXXX. Ever since then I've been getting calls from MRS associates saying I still owe even after showing them proof of payment. it is now XXXX and the calls haven't stopped, now i receive at least 4 calls a day that hang up as soon as i answer. when I call to talk to someone, they tell me to pay the bill again. I have asked to see proof of this debt and have been told its been sent to me every time ( still no proof of debt 4 months later ). they claim I haven't turned in my equipment as well, when it was returned directly to XXXX location.
Complaint sub-issue: Didn't receive notice of right to dispute

One of my student loans went into default and I realized this when I logged into my students loan account. I have never received any correspondence from the debt collection agency Alltran education. I reached out to them to start the loan rehabilitation process, and I requested the loan rehabilitation process in writing I was asked for my bank account information and was told that I would be sent a letter after I started making payments. I made the mistake of giving them the information and was charged the first payment. I have yet to receive anything in the mail and I have been calling them every week. They just say that it will be sent to me, but it has already been 2 weeks and I have not received anything. I also requested to receive the information by email and that still has not been done.
Complaint sub-issue: Account status incorrect

I called a few times to XXXX XXXX I had scheduled a payment for XX/XX/2021 and I called in on XX/XX/2021 to cancel the payment because there Would be no funds to cover it. I lost my job die to COVID and explained to XXXX XXXX I applied for unemployment and the got the response back Im approved however there is a delay with the processing of it. In short they enrolled me in a financial relief program for all my cards and they have token out all necessary payments via auto pay which I have proof I am up to date and there was an error in there system I would like them to fix with my account.
Complaint sub-issue: Account opened as a result of fraud

I received an unsolicited bankdebit card. This debit card is attached to a bank account that they opened without my permission.
Complaint sub-issue: Problem with fees

My Best Buy credit card was charging a debt protection fee. I shouldve cancelled earlier, but I wasnt aware Im needing a refund for the amount paid into this fraudulent fee
Complaint sub-issue: Information belongs to someone else

AFNI, INC. collection for a XXXX account : Have notified XXXX that it is identity theft/fraud as the XXXX charge that is in the hands of the collection company AFNI is not ours. We have NEVER had a XXXX account of any kind. We discovered this on our credit report yesterday XX/XX/XXXX in discussion with a mortgage lender who sent us a copy of it. 

We have never been contacted by anyone regarding this despite it showing as going back to last year XXXX, and have no knowledge of it, as we ever incurred a debt to XXXX. 

Have tried repeatedly to reach AFNI by phone without success. Left on hold in voice system without anyone ever picking up. Took photos of the phone face showing staying on hold anywhere from 13 minutes to a half an hour each time before giving up and hanging up. 

Have emailed the company as well from their site, with no response. 

.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

**Please note, debt was already disputed an d discharged, but  not due to bankruptcy, it was dismissed because I was found to not be responsible for it.   I was sent a notice from a debt collector called : ERC, to notify me that  XXXX   XXXX  hired them to come after me for a debt that had already been disputed and dismissed both by the previous creditor employed by  XXXX   XXXX  and by   XXXX   and  XXXX  last year. How can they hire a second debt collector to come after me like this? I did a lot of work to get this debt removed and cleared already. This is like double jeporady! I am an elderly woman on a fixed income, and I am not responsible for this debt to begin with! Please help m e! See letter ata ched. Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
ALLY FINCL/ALLY FINANCIAL INC. XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Banking errors

In XXXX of 2019 Citibank offered to open a new checking account, which allowed to earn XXXX XXXX XXXX XXXX bonus miles after meeting certain conditions, specifically by depositing {$15000.00} and keeping them for at least 60 days ( see the attached ). As I found out later the Citi program internal code was XXXX. 
I stopped by two different local branches, but nobody had any idea about this program and offer, and refused to open an account. After multiple attempts and calls to Citi, I finally opened online an account on XX/XX/2019 and deposited {$15000.00}. Per Citis request I also submitted a Form W-9. My full {$15000.00} deposit is still with Citi. 
After 60 days of my account opening, I started calling to your customer services department ( I have a record of all my calls and hopefully you too ) in order to find out when the promised miles would be posted on my XXXX XXXX account. Unfortunately, every time I had to explain to a representative the program that nobody was familiar with, but the response has been the same : I am eligible for the bonus miles, and should receive them soon, but it could take up to 90 days after initial 60 days. 
Finally, this due date had passed, but the miles have not been posted. On XX/XX/ 2019 I called again and talked with a customer support supervisor. He told me that he could not figure out what the situation with the bonus miles was and opened an internal inquiry # XXXX. He also stated that the investigation would take another 5-7 business days. 
Yesterday I talked with another supervisor. She told me that she could not find the initial trouble-ticket and opened a new one XXXX. However, she told me that it would take another 20 business days to investigate. 
Such situation is extremely frustrating to me, and I perceive it is a deceiving practice if not to say a fraud. I have spent many hours on fruitless discussions with clueless Citi representatives without any result. Meantime, Citi is using my money basically for free without any interest. 
Based on the above I am demanding : 1. Immediately post XXXX bonus miles on my XXXX account ; 2.  Get an explanation how the financial institution as Citibank could treat such terribly its customers, and what will be done to fix this problem. 
I believe I am not the only customer of Citibank who deal with this problem. Therefore, I hope that the Customer Financial Protection Bureau will look at this situation in order to avoid it in the future and protect many of us. 
Thanks,