Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Used obscene, profane, or other abusive language

The representative XXXX was extremely rude and Harassing. He also refused to give me information on my account that I requested. I had an outstanding payday loan with XXXX. XXXX was not with XXXX XXXX. He would not give me number to call him back later. He tried to pressure me to pay right then even though I told him I was dealing with something at my childs school, that I would need to call him back. He would not email me or offer to mail me a debt notice even when asked. He retorted how many loans do you have? How much money do you owe? Why wont you pay what you owe? Why are you avoiding this? He Would not differentiate the original loan amount. He would not give me contact information about his company. I hung up and called XXXX. They stated my debt was actually with another company and could not verify that number.
Complaint sub-issue: Information belongs to someone else

I was at XXXX trying to buy a car today XX/XX/2020 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.
Complaint sub-issue: Account status incorrect

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXXBalance : {$17000.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX*Balance : {$0.00}
Complaint sub-issue: Billing problem

I set up automatic monthly payments for a little more than my regular payment when we first got our vehicle, intending for the extra to be applied to principal. This is an option on the auto enrollment form. My regular payment is {$700.00} and I pay {$750.00} per month. This month I received a letter from PNC saying that I was paid ahead and wouldn't be receiving a statement for XXXX. I called the phone number provided and they said they would take last month 's payment of {$750.00} and apply it to principal which would roll my next payment due date back to XXXX and my auto withdrawal would resume. I agreed to this, but when I inquired about how the extra I pay every month could be applied to principal moving forward and not to the next payment due, I was told that was not possible to set up. I intended to be reducing my principal every month and thought when I enrolled in auto payments this is what would happen. When I complained the phone went dead .... there was literally no response. I feel mislead and that I am being penalized for wanting to prepay my loan a little at a time.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, equifax, and XXXX have not removed a fraudulent account from my credit report. I've disputed it multiple times. I even have proof from the collection agency that the account was open in a different state. here is the proof below. this account needs to be removed as I did not open it. and they have yet to provide evidence this belongs to me. 

the account number is XXXX account name is XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX is in violation of 7 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark
Complaint sub-issue: Account information incorrect

Discover bank is intentionally misreporting negative information on my credit reports to keep my credit score from recovering. I went through financial difficulty about 4 years ago and I am trying to move on but I can't get my credit to recover because of the continuous misreporting by Discover bank. I have attempted to resolve this issue with all three credit bureaus to the point where now when I attempt to dispute this account I get an automated message that says they will no longer investigate this account. I am going to list all of the incorrect information that is being reported and I am going to attach images directly from their sites that show what I am talking about. 
The first thing that Discover is reporting is an available credit amount on a charged off account so that it will impact my overall credit usage which hurts my credit score. Discover is reporting that I currently have a {$3000.00} credit limit on an account that has been closed for four years. 
Discover bank is also reporting a new charge-off each month which adds new negative information to my credit report each month instead of allowing the account to age properly and therefore impacting my credit score less as time goes on. 
On the XXXX credit report, Discover Bank states that account was closed on XXXX. However, the payment history reports that XX/XX/XXXX is 120 days late and XX/XX/XXXX is 120 days late. It is not until XX/XX/XXXX that the account is reported as charged off. Discover bank is also reporting that there was a {$3000.00} credit limit between XX/XX/XXXX and XX/XX/XXXX even though the account has been closed since XXXX. 
On the XXXX payment history, Discover bank reports XX/XX/XXXX as 90 days late and reports XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 120 days late even though the account was charged off in XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

I submitted a complaint regarding inaccurate information in my credit report.
Complaint sub-issue: Deposits and withdrawals

XXXX XXXX Bank, which is now owned by Key Bank is the problem. I opened a new online only checking account with them in XX/XX/2022. I had my often daily deposits going into the account from the company I am affiliated with and would transfer money out once or twice a week to another of my bank accounts that was an interest bearing account. On XX/XX/2022, XXXX XXXX shut down my access to my account and said it was " restricted '' due to " suspicious activity, '' This was done with XXXX warning or communication... no text, no email, no call, no direct message and no letter ( although I finally received the letter dated XX/XX/XXXX on the XXXX. ) The letter stated problems with restricted accounts are " generally resolved within 10 business days '' ... well that is clearly not the case. Today is the XXXX, 19 days after this situation began, and that includes more than ten business days. No one I talk to at the bank has given me any pertinent information than what is already apparent. No one has reached out, despite being promised a call from a manager. Whoever i spoke to had little or nothing to say to help with what is going on. They are literally holding several XXXX dollars of my income XXXX, yet I am being treated as a criminal!! I want to shut down this account and get my money back and having nothing more to do with this account. I am also tempted to take legal action against them.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX To WhXXXX XXXX XXXX XXXXcern : I received a copy of my credit report with the intention to trying to improve my credit and take care of mu reasonability and noticed an account I wanted a little more explanation on. I am just saying that I am not 100 percent sure if it is accurate. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you to you all. 

Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? I heard that if you can't provide proof. these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent correct. So, could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you had 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or correct on them. 

Account : Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Number : XXXX Please investigate, if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help with this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I initially discovered this account on my credit report months ago. I wrote a letter to RISE on XX/XX/2020 asking them to investigate as to whether this account was actually mine as I have no knowledge of it. I had a previous loan with them that I fully paid, but this one, I do NOT recall at all. From the date of that letter to XX/XX/2020 I received absolutely nothing from RISE meaning ( as I would learn ) they had chosen to ignore my request for a proper investigation completely.. The time from the first letter sent in XXXX to discovering it still appeared on my reporting in XXXX obviously took them WELL BEYOND the required period for such a response. After all, with the lack of response, I had assumed they had investigated and removed an obviously inaccurate report. But when reviewing my credit report and still finding it this month. I wrote a second time asking them again to actually fully investigate the situation and provide me with the actual account information, dates, fees, charges, compliance with FACT ACT guidelines, and of course confirm in notarized form that the report was 100 % accurate or DELETE it. Instead, today I received not a mailed letter as requested with ANY of the information Required or Requested. Instead they sent me a short " email '' stating they could find no errors in their reporting. NO DETAILS, NO ACCOUNT INFORMATION, NOTHING WHATSOEVER. 

Clearly this does NOT come close to meeting the bare minimum possible requirements of an investigation. It supplies me with nothing to prove the debt and attempts to just ignore my requests in direct violation of Federal Statues. And by sending me such a blatantly dismissive E-Mail, RISE is NOT in compliance with any Federal Requirement concerning this alleged debt and must by Federal Requirements DELETE it immediately and ensure this file is permanently closed.
Complaint sub-issue: Talked to a third-party about your debt

I have received multiple calls from Citi Cards or their authorized representatives regarding a credit card that they indicate I defaulted on over 11 years ago. I don't know anything about this debt nor do I have any intent of paying it. I want them to stop calling me. 

Even though I have repeatedly asked to be removed from their calling list, they continue to call. Today they threatened legal action and to garnish my wages. They called from XXXX XXXX XXXX x XXXX. She said her name was XXXX and she indicated she worked for XXXX XXXX XXXX. She told me that she had already filed to garnish my wages. This is NOT true. Nothing has been filed and even if this were my debt it is far past the statute of limitations in the state of Iowa ( see Iowa code 614.1.4 ). 

Before XXXX reached me today she called my sister on my sister 's phone and told her that I was going to be sued for bad debt. She told my sister that this was my FINAL notice and that my sister better help get it resolved. Making these false claims and threats to my family is harassment and it is my understanding that it is against the law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is a hard inquiry from XXXX XXXX for Utilities/Fuel and Telephone Companies on my XXXX and Equifax credit reports. First, I have zero affiliation with XXXX XXXX in any capacity ; second, they are a telephone services company and NOT a utilities/fuel company. Both initiated an immediate red flag for me. The hard inquiry is negatively effecting my credit score. The inquiry was made on XX/XX/2018. This is all appearing on both my XXXX and Equifax credit reports shown through the XXXX XXXX website. I have spoken with a representative at XXXX XXXX in the fraud department and confirmed the hard inquiry.
Complaint sub-issue: Problem accessing account

Support was disrespectful and you can even hear her snickering as she tells me false information. XXXX, case number XXXX. Tried telling me that a service I have been using for almost 2 years was NEVER available. That can not be true. She then tried to explain some non-technical communication between the bank and the third party. saying XXXX such as " it using security questions and not a one-time code ''. Let 's pretend she didn't just pretend to know something she clearly doesn't, let 's pretend I believe her XXXX. How is she the ONLY person in PNC that knows anything? and when I asked for a supervisor, she snickered and said she doesn't have one and that she is the supervisor. This is insulting. If she doesn't want to do her job or take it seropusly, why do I have to pay the price? This is my finances, MY LIFE and this employee did nothing but lie to me and snicker. UNACCEPTABLE. Attorney General complaint is to follow. XXXX they record for " Quality '' assurance
Complaint sub-issue: Investigation took more than 30 days

I sent XXXX XXXX, equifax letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX XXXX, equifax failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, XXXX, equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, XXXX, equifax have on file for the account listed below.. It has been more than 60 days and XXXX XXXXXXXX, equifax have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX XXXX, equifax must remove the accounts and billing errors listed listed below. 
1. The following account is not mine XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report. 

2. The following account I don't recognize and never gave permissible purpose to report on my credit XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing dateXXXX XXXX XXXX  Reference numberXXXX Record typeXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 3 . The following account I don't recognize and never gave permissible purpose to report on my credit XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing dateXXXX  XXXX, XXXX Reference numberXXXX Record type XXXX XXXXXXXX XXXX-dismissed Court XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX.this following account is reporting inaccurate information I was never late for this account XXXX XXXX Account numberXXXX Original balance {$28000.00} It says I was current on XX/XX/XXXX, then it says I was 90 days late on XX/XX/XXXX that is impossible and obvious inaccurate reporting Please remove it from my credit report. 

5. this following account is reporting inaccurate information I was never late for this account XXXX XXXX Account numberXXXX Original balance {$15000.00} It says I was current on XX/XX/XXXX, then it says I was 90 days late on XX/XX/XXXX that is impossible and obvious inaccurate reporting Please remove it from my credit report. 

6.The following account is not mine XXXX XXXXXXXX XXXX ( Original Creditor Name XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

7. The inquiry was not authorized and I did not give permissible purpose to report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized and I did not give permissible purpose to report XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Complaint sub-issue: Debt was result of identity theft

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days  prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Contacted employer after asked not to

They have been calling my job saying that need to serve me documents and they tried discussing this matter with HR or an office manager and were very persistent. I told them to reach me at home and provided an updated address.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent a letter to Equifax asking them to correct mistakes on my credit report. They were supposed to conduct investigations, and respond within thirty days. They have not done so.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I submitted a letter regarding erroneous items on my credit report. It has been 46 days and I have not received a response. Section 611 ( a ) stated that failure to investigate these items within 30 days should result in immediate removal. I request to have these items removed promptly or I will take legal action. In addition, my information was also compromised by the Equifax data breach and as a result may have gotten into the hands of the wrong person.
Complaint sub-issue: Debt resulted from identity theft

Received a notice on my credit report that I owe money to IC Systems. I have never heard of them nor have I received any bills for outstanding debt.
Complaint sub-issue: Reporting company used your report improperly

I was advised by a Consumer Rights Attorney, These late payments on my account are against the law and I need them removed as soon as possible. 15 u.s. Code 1681a ( 2 ) ( A ) ( i ) states that my consumer report should not contain information regarding transactions or experiences between me and person making report. A LATE PAYMENT IS A TRANSACTION AND A NEGATIVE EXPERIENCE, therefore this account is illegal. THIS IS MY LAST TIME TRYING TO RESOLVE THIS, A LEGAL COMPLAINT WILL BE FILED IF THIS ISN'T FIXED.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Complaint sub-issue: Trouble with how payments are handled

THIS IS MY SECOND COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU IN REGARD TO THE COLLECTION OF MY STUDENT LOAN IN THE LAST TWO DAYS. THE NAME OF THIS LOAN ORGANIZATION WHO PROFESSES TO BE WORKING WITH THE DEPARTMENT OF EDUCATION IS ALLIEDINTERSTATE LLC. 
THEY HAVE JUST SENT ME A LETTER DEMANDING THAT I SUBMIT PAYMENT TO THEM FOR A DEBT IN THE AMOUNT OF {$43000.00}. THIS LETTER, DATED XXXX/XXXX/2016 ALSO STATED THAT BECAUSE MY CREDITOR [ THE DEPARTMENT OF EDUCATION ] CONTINUES TO ASSESS INTEREST ON THIS LOAN, THE ACTUAL AMOUNT OF MY DEBT MAY BE GREATER THAN {$43000.00}. THEY PROMISED TO LET ME ABOUT THE DISCREPANCY AFTER I SENT THEM THE PAYMENT OF {$43000.00}. I WILL ENCLOSE THEIR LETTER TO ME IN ADDITION TO SOME PAPERWORK THAT VERIFIES THE ACTUAL DEBT + INTEREST AMOUNT AS {$34000.00}! 
SO IN THE CASE THAT XXXX & ALLIEDINTERSTATE LLC. ARE NOW, BOTH PURPORTING TO REPRESENT THE CREDITOR [ THE DEPARTMENT OF EDUCATION ] IN ADDITION TO THOSE XXXX ENTITIES, THE DEPARTMENT OF THE TREASURY/BUREAU OF FISCAL SERVICE IS ALSO CLAIMING TO REPRESENT THE DEPARTMENT OF EDUCATION & ACTUALLY GARNISHING MY XXXX PAYMENT TO PAY-OFF THE SAME LOAN THAT THE XXXX & ALLIEDINTERSTATE LLC. ARE CLAIMING TO HANDLE!!!
Complaint sub-issue: Other problem getting your report or credit score

The credit bureaus are reporting my credit score as a XXXX. I have paid all outstanding items on my credit report as of XX/XX/2022. Instead of my score increasing to accurately report the fully paid debts, my score was dropped from around XXXX to a XXXX. Per the credit bureaus, my score can not go below a XXXX. I did not have extensive debt reporting, repossessions, bankruptcies, liens or foreclosures. When I called the agencies requesting immediate remediation, I was advised that there was nothing that could be done, but, a supervisor would return my call and my complaint would be escalated. I have received no response to date. This score is incorrect/inaccurate and has caused personal harm and hardship. The agencys are also reporting this to parties requesting credit worthiness information causing declined credit applications, denied rental applications etc. 
This is illegal and in violation of FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has reported inquiries that are incorrect and I didn't authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX