Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I got a letter from Macy 's stating they were reducing my credit limit to {$100.00} based on a report from XXXX that my credit score is XXXX. My credit score on XXXX is XXXX. 
I contacted Macy 's credit several times, and they won't fix the error, even though I've offered to give them the credit information. 
This is harmful to my credit and should be actionable. I had a prior investigation with the XXXX Police XXXX department after the credit agencies reported false information on my Credit Score for multiple defaulted and late payments that were NOT mine, and that were summed up as " mixed identity '' for another person with my name in an entirely different state. 
I have also contacted XXXX. XXXX is claiming they have no knowledge of a report with a score of XXXX. I have names and times of all parties spoken to. They are asking for the letter from Macy 's which I have faxed to them.
Complaint sub-issue: Reporting company used your report improperly

I did call Sallie Mae Early of 2019 ( XXXX of 2019 ). To ask for a settlement and I did not want to call them during that time because I only had. {$4900.00} with me. But I still did. I did not agree with all of it and wanted to see if they can do a settlement for me but these accounts are inaccurate. I wanted to settle it but they Told me the loan was sold. 3 weeks later- I filed for a dispute with XXXX XXXX Sallie Mae failed to do this again. Unable to provide me any proof. For example, the loan shows now I owe {$10000.00} when it was XXXX. Date was also incorrect. SallieMae can't give me any information and XXXX keep telling me ''Sallie Mae responded to us and told us these accounts are valid '' 2 years later ... .Ive been sending dispute letters and nothing had happened. How is it considered sold? and still consider it as charged off? XXXX failed to provide this information too. How am I supposed to pay and make a settlement when they couldn't even find me? If it was really sold. They should've told me where to contact the new creditor. XXXX failed this and for the 10th time. I am still unable to resolve this.

Some of these accounts are already 7 years old. I consulted a lawyer about this but even told me its not worth it to settle these accounts because its so old. If I did settle this 4years ago. It'll make more sense.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Repetitious calls from a third party company XXXX XXXX XXXX XXXX by very rude customer service agents after I have repeatedly asked them not to call me about the second party company XXXX XXXX XXXX XXXX XXXX XXXX intention to collect a debt for the first party company XXXX XXXX XXXX XXXX. I don't keep records of the phone calls ( 2 to 3 Times a week ). The unresolved debt is XXXX to XXXX XXXX XXXX. I have called XXXX XXXX XXXX on several occasions to speak with an company official regarding handling this but only to be connected with a outsourced communications company handling their phone calls in some third world country and was unable to resolve any issues. I have tried to communicate with XXXX XXXX on 2 different occasions to discuss the matter but was connected with a very rude CSR demanding payment immediately and that I was to provide her with all my personal information.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Key Bank took over my XXXX XXXX account and current complaint # is XXXX. I wish to add a new complaint.
On XX/XX/XXXX, I made a payment to KeyBank Card for XX/XX/XXXXof XXXX today and learned that my card has a balance of XXXX XXXX. I only used my card once in XX/XX/XXXX ( no other card use since about XX/XX/XXXX ). I used this card to pay my property school taxes of XXXX ( plus a small fee ) to process that payment. I spoke to XXXX of KeyBank on XX/XX/XXXX to ask why is my balance XXXX? XXXX  said that on XX/XX/XXXX two purchases were made at XXXX XXXX XXXX XXXX. Two transactions made foXXXX XXXX and XXXX. I was not near XXXX NY I was in XXXX NY this is fraud matter! I want the person prosecuted and to see if there is a surveillance at that store to identify the culprit.
XXXX closed the old account ending in XXXX but the account to remain opened until the investigation is done which takes about 30 business days on their end. KeyBank Fraud Unit is XXXX.
I am irate that KeyBank did not notify me when these two transactions took place XXXX  states that because it was in New York they did n't feel the need to I disagree! I had the card in my possession. Note, I reported a robbery to XXXX County Sheriff 's Department in XXXX NY on XX/XX/XXXX as someone robbed my home in XX/XX/XXXX just in case there is a connection to this matter. They will credit my card back the two amounts  after the investigation.
My address is XXXX XXXX XXXX XXXX New York XXXX Cell is XXXX.
Thank youXXXX XXXX XXXX XXXX
Complaint sub-issue: Contacted your employer

ON XXXX XXXX, SOMEONE CALLED MY WORK, LEFT A MESSAGE FOR ME TO CALL XXXX XXXX XXXX. THEY MADE IT CLEAR TO MY EMPLOYER THAT THEY WERE A DEBT COLLECTOR. 

WHEN I CALLED BACK, THIS PERSON WAS NOT THERE, BUT ANOTHER PERSON TALKED TO ME, VERY CONDESCENDING AND RUDE, HE NEVER TOLD ME HIS NAME. HE WANTED ME TO VERIFY PERSONAL INFORMATION, WANTED ME TO GIVE IT TO HIM, I REFUSED. HE SAID THAT I WOULD HAVE TO BE DEALT WITH THE " HARD WAY '' WHEN I ASKED WHAT THAT MEANT, WAS HE THREATENING ME, HE SAID HE WASN'T. 

I TOLD HIM TO NOT CALL MY WORK AGAIN AND HE SAID THAT HE COULD NOT STOP ANYONE IN HIS COMPANY CALLING ME. I TOLD HIM THAT I KNEW IF I ASKED FOR NO CALLS AT WORK, THE LAW SAYS THEY HAVE TO OBEY. HE AGAIN SAID HE COULD NOT STOP ANYONE. 

I BELIEVE THE COMPANY IS CALLED NCO, XXXX, Pennsylvania, United States, EVEN THOUGH HE NEVER ACTUALLY SAID SO.
Complaint sub-issue: Didn't receive notice of right to dispute

I have a Discover credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of  XXXX ,   XXXX   or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online this week ( week pf  XXXX   XXXX  ) to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of  Discover  and told to contact them at  XXXX , but also told they were closed at  XXXX  cst ( it was  XXXX  cst when I first called  Discover   ).   Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called  XXXX   XXXX  - a firm neither my father or I had ever heard of before. I mentioned this name and number to the Discover rep and they were n't aware of the cos or if the management of my account has been transferred from Discover to  XXXX .
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

To whom it may concern : I have been trying to get a refund in the amount of {$4600.00} from XXXX XXXX XXXX XXXX for booking # XXXX. Sailing date was supposed to be XX/XX/2020via XXXX out of XXXX, FL. Trip was cancelled due to Covid-19 per CDC and US Dept of State 's no sail / travel order. 
XXXX sent by email an option for 100 % refund, which I requested on XX/XX/2020. 

XX/XX/2020 - I filed disputes related with Citi credit card for all XXXX charges because I was fearful XXXX wasn't going to refund. Citi is investigating ( note that all charges concerning trip were paid off in full late XX/XX/2020 ), but, now it appears they ( Citi ) are holding my money. 

XX/XX/2020 - the only charge that was made from my personal checking account to XXXX for a spa treatment for my significant other was refunded in the amount of {$79.00}. This tells me they ( XXXX ) are in the act of refunding. I then called XXXX and they gave me itemized list via phone for all charges and said they were refunded late XX/XX/2020 early XX/XX/2020. The representative also told me that the bank ( Citi ) was now supposed to be streamlining this process. I am currently trying to get proof of refund from XXXX through documentation. 
Citi said they have received no payment from XXXX 's bank and I am hearing the same thing over and over from them ( I have 15 pages of documentation of correspondence through Cit 's messenger app. ) I have contacted XXXX XXXX XXXX XXXX, Citi, US DOJ, South Carolina Attorney General, and CFPB.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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: Information belongs to someone else

The only name I should have on my CRA report is XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX EQUIFAX MORTGAGE SERVI XXXX EQUIFAX MTG XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX Collections, XX/XX/XXXX, acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt was paid

I have made numerous attempts after paying off the debt over two years ago to the original creditor to get ProCollect to stop their debt collection practices. When I have called, a XXXX XXXX gets on the phone and he is very rude. He argues, but never actually gets around to the point. He insists that not only did I have to pay the original creditor, but also I should have to pay him. I have been trying to get this resolved for weeks. I get nowhere and it 's affecting my ability to purchase a home, damaging my credit, costing me money in terms of interest rate and causing the transaction to be more complex.
Complaint sub-issue: Account information incorrect

During the Federal Government shutdown of 2019 I requested a loan deferment from XXXX XXXX XXXX XXXX ( XXXX ). I submitted all required documents electronically. In XX/XX/2019 I received a letter from XXXX stating their intent to repossess my vehicle. Confused I immediately contacted customer service to be informed by the representative my loan deferment application was received on the day I sent it electronically but it was never processed. After resubmitting I asked if they can remove the late payment from my credit reports since the error was on their end for failure to process my document.
Complaint sub-issue: Debt is not mine

Collection agency inquires on my credit report without permissible purpose.
Complaint sub-issue: Problem with personal statement of dispute

As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX  XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 40 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

in XX/XX/XXXX, I called the customer service XXXX # at PNC Bank to request the balance in my account with PNC Bank the customer service representitive told me my balance was XXXX it was in an account called the reserve account. the teller asked me if I wanted to tranfer some to my Spend account also known as the checking acct. I asked her at that date in XXXX, XXXX to tranfer the total amount to my checking or their term for term is spend account. she asked me if I wanted to leave any of that amount in the spend I asked her to leave {$36.00} in to keep my account open. she reassured me of the above {$7200.00} was transferred and that I was free to use any or all of that total. I called XXXX XXXX XXXX ON of after the XXXX of XXXX and paid them {$7200.00}. in XX/XX/2019 PNC Bank sent me a notice of a negative balance due them of {$230.00}. PNC release to me the above amount which I paid XXXX XXXX XXXX {$7200.00}. I asked the teller " if I pay that amount was she sure I would have a balance of {$36.00} her answer was yes. Note that the teller automatically transferred these fund and audiblly confirmed the above amount was being placed in my spend account. then waited until XXXX to note an error by their customer service representative. also note that They authorized this tranaction by moving the funds to my Checking account. in turn I called XXXX XXXX XXXX and gave them my checking account # and electronic in the amount above
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$940.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$680.00}.
Complaint sub-issue: Was not notified of investigation status or results

I filed a complaint after discovering that some of my personal information was being used without my permission when I searched for my name on the Internet. My information was obtained by an aggregator website, which advised me to first check the website 's FAQ section and then contact approximately nine separate websites in order to have my information removed. Apart from feeling invaded because I value my privacy, I was humiliated by the fact that I had to request that my belongings be taken. I discovered unauthorized fraudulent accounts on my report and would like those accounts removed and corrected. Remove all negative and bogus accounts from my credit report. This has hampered my ability to obtain credit. I am doing everything I can.
Complaint sub-issue: Debt is not mine

I received a letter from a Enhanced Recovery Corp, a collection agency last spring for a debt for XXXX cell phone service. This is not my debt-I do not even have a XXXX cell phone account. After contacting Enhanced Recovery several times, as well as XXXX, I found out that the account holder is another man with the same name as mine ( which is a " common '' name according to an Enhanced Recovery representative ), but he has a different address ( his address is in Texas and I have lived in NC all my life ) and a different date of birth. In addition, the XXXX representative told me that there is not a social security number associated with the debt. I sent a certified letter to Enhanced Recovery saying that this was not my debt and they were contacting the wrong person. Thus, I thought this problem was resolved a few weeks ago, but now I see that Enhanced Recovery has submitted a complaint on my credit report. I do not know how this is possible if the date of birth for the account holder is different and they have no social security number. So to be clear, it does not seem like anyone has stolen my identity. Rather, Enhanced Recovery has limited ( and erroneous ) identity information on this debt and yet still continues to try to collect this debt from me. There are no other problems on my otherwise stellar credit history. This complaint from Enhanced Recovery on my credit dropped my score from over XXXX to XXXX.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I checked my credit report and noticed that an account that was DELETED on XX/XX/XXXX was re added to my report. I WAS NOT NOTIFIED THAT THE INFORMATION WAS GOING TO BE RE ADDED TO MY REPORT After per Equifax " when an item is deleted it is removed from your credit report and taken steps so it does not reappear ''. That is not the case!!! this account needs to be removed from my credit report ASAP. I have attached the copy of the letter received from Equifax confirming that the account was deleted. My true credit report is not being shown. The account is XXXX XXXX XXXX act # XXXX!
Complaint sub-issue: Account information incorrect

Account Name : XXXX Account Number : XXXX Balance : {$100000.00} Dates of late : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Dates of late : XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$20000.00} Dates of late : XX/XX/XXXX, XX/XX/XXXX I do not recall being late in those months. I remember paying this off on time when I received my statements.
Complaint sub-issue: Information belongs to someone else

I am distressed that you have included DEPT OF ED/NELNET XXXX information in my credit profile on and that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Bankruptcy : Discharged XXXX Reference number : XXXX XXXX XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX  XXXX Balance {$520.00} Original Creditor : XXXX XXXX XXXX Balance - Preferredl XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX