Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

On or about XX/XX/2018, Citi sent a credit balance check to me for {$23.00}. I have been making payments and charges for weeks. The reason stated was that I requested the return, which I did not. 

I had made a {$3.00} parking charge to that card on or about XX/XX/2018. This charge was not deducted prior to sending me a check. This would mean that I would have been responsible for late charges and interest charges, which I have not yet looked to see if they were charged or not. If the charge was made 4 days prior to them sending a check a did not request, this amount should have been deducted from the credit balance. 

Federal law says they are supposed to contact me to see if I want a refund of a credit balance that remains at 6 months. If I am charging and paying intermittently, how are they determining a balance remained for 6 consecutive months. New charges should be deducted from the oldest credit balance.
Complaint sub-issue: Account information incorrect

Refuse to validate. Reporting erroneous info. Never late/past due in XXXX XXXX XXXX XXXX Auto loan & line of credit. 

Delete immediately as it is adverse. Ive submitted several legal affadavits over the months but they refuse to validate. 
Only says it belongs to me with no proof.
Complaint sub-issue: Account information incorrect

Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is XXXX me out because i XXXX XXXX have the right to dispute anything inaccurate by law
Complaint sub-issue: Problem with personal statement of dispute

Hello, I am an Authorized User for this account. I have been paying faithfully while the primary can not. She is filing bankruptcy soon. She will include the card/ account that sears refuses to update ( refused : please request or see supporting evidence ). 
No late pays and good standing but I am not going to pay on this account by myself anymore as the Authorized User. 

Compounding the problem is the fact I can not get service for this account. Unfortunately XXXX representatives will not discuss one word of this account with me for address errors or ANYTHING. That is not drama its a fact. 

I have legal rights as an Authorized User to remove myself from this account. It is my responsibility. I do not have access or a card active. So I believe its clear. 

Please request the company SEARS have its bank remove me as an obligated borrower. The letter from SEARS to me after they denied my request says it all. 

" We are unable to update the credit report as requested. To remove authorized users from the credit reporting, the authorized user must be removed from the account. '' Please ask for a copy. Bad grammar is part of the letter not me. 

SEARS MASTERCARD Card No : XXXX Thanks profusely Respectfully XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have called all  XXXX  credit bureaus  (   XXXX ,  XXXX , Equifax ) a total of  10  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX / XXXX /  XXXX  ,   XX/XX/XXXX    ,  XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the  Bureaus  to verify such a record exist. I noticed as of today  XX/XX/XXXX  yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.
Complaint sub-issue: Debt is not mine

I have received a collection letter from this company and have not had XXXX XXXX XXXX since 2002. 13 years ago.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

IM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY REPORT. THESE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT
Complaint sub-issue: Keep getting calls about your loan

My daughter has a student loan through XXXX XXXX for two years now and XX/XX/22 is the third time the borrower has been late in making payments that are due on the XXXX of every month. This is also the third time that they called the co-signer at work in regard to the late payment without making a single call to the borrower first. 

Each time they have called me multiple times claiming " there is a problem with my account '' in which I am the co-signer, not the borrower. On XX/XX/22 XXXX ( representative number XXXX ) stated that the account is now delinquent and that's why the calls are being made. When I asked how late the payment was she said " one day '' which isn't delinquent, it's late. 

These are obviously harassment tactics used to embarrass the borrower into making their payments on time as they haven't called the borrower once, but on three separate occasions called the co-signer multiple times at work.
Complaint sub-issue: Reporting company used your report improperly

I need this account with XXXX XXXX and XXXX closed immediately! 

They broke some laws : First law they broke is : Sum of all charges USC 1605. The sum of all charges are suppose to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these.

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Also Usc code 1605b, insurance premiums have to be included in my contract but they were not!

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the car at the same rate as someone else. These dealers discriminate based on a persons background not necessarily their credit. Its unlawful for the dealership to discriminate against a person for a purchase! 

4th Law : With me being the consumer, I never received any time of payment for this car that's already paid for. I never received cash, check, card, or etc.

5th law : Recission us code With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership. 

I am not obligated to pay them anymore money, and I won't be paying them anymore money.
Complaint sub-issue: Information belongs to someone else

The following accounts are unknown authorized users accounts that's on my credit report inwhich i have absolutely any knowledge of and I'm demanding that they are removed from my credit file immediately. 

1 ) XXXX XXXX XXXX Credit Card 2 ) XXXX XXXX  Credit Card
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Credit XXXX and XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX ) and XXXX XXXX XXXX All of the proof of these accounts are provided in the attachments The following have 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 instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Received unsolicited financial product or insurance offers after opting out

We are possibly looking to buy a different house. We went to a mortgage company to start the process. They did a " soft pull '' with the credit bureaus. This, I was told, was not supposed to trigger the credit bureaus. The very next day, one phone received almost 30 calls from mortgage companies and others. It has now been a couple of weeks and we are still receiving between 10 to 20 calls a day depending on the day. This is of course EXTREMELY disruptive. Especially when one uses the phone for work and is going to get calls from unknown numbers for work, one can't just ignore the phone. 

We don't have a choice that these companies gather info on us. Why should they be able to do this to us? 20 phone calls a day is an invasion of privacy. 

Help! What can we do to stop this?
Complaint sub-issue: Reporting company used your report improperly

Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I have a bankruptcy showing on my credit report showing as discharged when it in fact was dismissed/revoked. 

Per XXXX they stated they verified this information from the courthouse. They did not. per PACER my disposition shows as " discharge revoked '' which means i should not have a bankruptcy on my file. 

I have frozen Lexisnexis as well because they are reporting inaccurately too. 

If you call the bankruptcy hotline you will see it says my bankruptcy is revoked. PACER shows Revoked.
Complaint sub-issue: Reporting company used your report improperly

As per the website of Equifax I may have been potentially affected by the security breach they have recently announced. 
This is not a simple issue, it involves ALL my personal information, so I do not believe that " potentially '' affected is a good enough answer. 
As the owners of the system, they should be able to probe and provide an exact answer of the issue and not just place everybody under a " potential danger '' umbrella,.
Complaint sub-issue: Billing problem

My issue is with Bank of the West regarding a payment I sent to pay off the loan for a recreation vehicle loan. 

On XX/XX/2020 I sent a payment of {$36000.00} ( via USPS signature required ) to Bank of the West for the purposes of paying off the loan. 

On XX/XX/2020 Bank of the West signed for the payment, validated through the USPS website that shows the name of the person who signed for the payment. As of today, XX/XX/2020, the payment has not been posted to my account. 

I have attempted to contact Bank of the West by using their website messaging system, with no response. 

I have also called Bank of the West daily since XX/XX/2020 in an attempt to obtain a status update - why the payment has not been posted. Each time I have called I was on hold for over an hour and half then subsequently disconnected at the hour and half mark. 

I have contacted the XXXX XXXX XXXX  for help and they too have not been able to help. No one has contacted me from Bank of the West.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The following accounts and credit inquiry listed on my XXXX XXXX, XXXX   and Equifax credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX
Complaint sub-issue: Old information reappears or never goes away

XX/XX/XXXX my credit score with XXXX was XXXX.XX/XX/XXXX it went down to XXXX and a day later it went down to XXXX. 
Now my Equifax scorer dropped 89 points in 2 days. 
I called a XXXX and the dropped seem to correspond. 
Now this sudden drop in Equifax. 
How are the points determined to increase or decrease. I have been trying to get an understanding how the points are determined. 
I have received my free credit reports for both, I am using XXXX XXXX. I asked them if I can put in a certain say to try and figure out what changed, I have not been successful in getting a straight answer
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX, the following agency I.C Systems they have reported a new account on my credit report. I never entered into an agreement with this agency please investigate this fraudulent attempt on a collection of debts on my credit profile. My next course of action is to file a complaint with my States Attorney General Office. Please investigate this company as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX- Account number XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX Original creditoXXXX XXXX XXXX XXXX XXXXXXXX number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor XXXX XXXX XXXX XXXX  Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 104521XX, 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 furnished an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer reports containing of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) Section states : 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: Didn't receive enough information to verify debt

In XXXX of 2021 I purchased a home. This home was purchased through a consumer credit transaction. I do not recall such loan or alleged debt from this company.
Complaint sub-issue: Investigation took too long

EQUIFAX REFUSES TO SEND ME NEW YORK STATE SECURITY FREEZE PIN NUMBER. 
EQUIFAX DENIES ME FREE ANNUAL CREDIT REPORT.
Complaint sub-issue: Their investigation did not fix an error on your report

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Complaint sub-issue: Trouble using the card to spend money in a store or online

US Bank is holding my funds from my unemployment insurance for Texas in my account. This is not the first time US Bank has done this either. First of all two weeks ago, US Bank Locked my card right after I activated it. The very next day the card was locked. I did not even get a chance to use the card, because as soon as I received it US Bank LOCKED the card and put a fraud block. US Bank then left a voicemail telling me to verify my identity. So I went to the site US Bank instructed me to go to verify.usbank.com/identity and uploaded my documents 3 DIFFERENT TIMES. US Bank told me it takes them a week to verify it. So on Friday, I called to make sure they got the documents. After speaking with a supervisor and waiting on hold for 2 hours. US Bank supervisor confirmed that they received the documents and processed my submission and unblocked the card. Without apologizing. Then this week, I got another deposit and attempted to use the card to make 1 purchase and 1 transfer. The purchase was for apple itunes store, and the transfer was to my own checking account. on XX/XX/22 US BANK Cancelled my transfers 3 Days LATER. It says ACH Cancelled by Fraud Ops. So once again I had to wait on a 2 hour hold, and after speaking with both customer service and a manager I was told they need to verify my identity again. This is absolutely rediculas, Last week US Bank Confirmed they verified my identity and then when you use the card once every transaction they want you to reverify your identity? I told the supervisor I already did this last week and they confirmed it, and she told me she doesn't care I need to resubmit it and that they fraud monitor 24/7. As I instructed my identity documents have not changed in 1 week. She didn't care her name was XXXX. She told me that they can do this as many times as they want and it takes a week each time, She told me until I resubmit again, and again, and again they will freeze my account, and I am not allowed access to my OWN FUNDS. I believe this is definitely a case of consumer abuse. Especially when I am using my own money that I earned from direct deposit and they freeze my account every transaction. I do not believe I should have to continue to upload my documents every single day. That seems absurd.
Complaint sub-issue: Trouble with how payments are handled

I have been paying off this loan for ~ 12 years and I owe almost what I did when I took out the loan. The original amount was XXXX {$42000.00} and I still owe XXXX {$42000.00}, despite consistently paying every month for about 12 years.
Complaint sub-issue: Debt was paid

MY DEBT HAS BEEN PAID. I NEED IT REMOVED FROM MY CREDIT REPORT, BOTH THE ORIGINAL ACCOUNT, THE COLLECTION ACCOUNT AND REMOVAL FROM PUBLIC RECORD.
Complaint sub-issue: Debt is not mine

This debt is not mine, for XXXX XXXX. I 've already had it removed from my credit reports, by filing complaints with all XXXX credit bureaus, sending a completed Fraud Handling Packet thru XXXX, as requested, to include a notarized Statement of Dispute, Police Report, Proof of Lease at the time this account was created. Got Identify theft alerts added to all XXXX credit reports, purchased XXXX XXXX for myself and my XXXX sons. After getting countless phone numbers, last name, and addresses removed from my credit reports that did not belong to me, this XXXX account has ended up back on my credit reports XXXX XXXX, XXXX ( {$1000.00} ), thru the same collection agency that it was removed from back in XXXX XXXX. Enhanced Recovery Corp. XXXX even had the audacity to send a letter to me questioning XXXX accounts from XXXX and XXXX, after proving this account from XXXX is not mine, the account that started this whole credit disaster. I had proved this account was not mine and although the other XXXX accounts they 're claiming to be mine from XXXX and XXXX, they 're outside of the statute of limitations. The accounts are not mine and should not be in question. My next move is to seek help thru an attorney if this can not be resolved for good.
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Complaint sub-issue: Need information about your loan balance or loan terms

I signed up for the PSLF plan 7-8 years ago and have been paying monthly since. The loan has been transferred from Direct Loan to XXXX to FedLoan Servicing and my payments have toward my XXXX have not be recorded. On my current statement, I noticed that I have made 0 payments toward my XXXX, so it looks like they do n't even have me in the program. I called several months ago and was told that this information would be collected and updated. I have not heard back from them. I 've been paying for almost 8 years and my balance has increased due to interest and the payments have not been recorded. Any help would be greatly appreciated.