Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble using the card to spend money in a store or online

I bought a Visa gift card from XXXX that indicates that it can be used anywhere that a visa debit card is normally used and this is not true. It has been declined at both XXXX and XXXX so far, which is the only reason that I bought it.
Complaint sub-issue: Their investigation did not fix an error on your report

I am really dumbfounded with what is going on in my credit file. This are trying times and everyone is on rebuilding. I am building my credit standing yet these accounts appear to affect my scores so bad that I am losing hope. Please help me out with them and eradicate them from my credit file. To point things out, these account has a lot of missing identification and information that can not stand to be reported. Please investigate and remove them right away.
Complaint sub-issue: Information belongs to someone else

What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX XX/XX/XXXX XXXX XXXX runs my credit without my authorization I try to contact Equifax for solve this problem but I ca n't the system reject me out if somebody can help me with this problem
Complaint sub-issue: Information belongs to someone else

On Monday, XX/XX/2020, I, XXXX XXXX, received an alert that my credit score decreased 95 points. I immediately called XXXX XXXX at XXXX to report that I don't have a mortgage with them. I was instructed to call their subsidiary XXXX XXXX at XXXX. The representative # XXXX was advised that the information does not belong to me, the information is incorrect, and the information has adversely affected my credit. She asked for my demographic information and stated that the address I had given did not match their records. I advised that I had given her the only addresses that I have ever resided and she rudely stated that I should refer to my original paperwork. As if I don't know my own address! 

I requested to speak with a supervisor, a member of the legal team, or someone in the fraud department. The agent continued to speak down to me as if I were attempting to access someone else 's information. Despite my telling her that the adverse information was recently fraudulently reported ; and, that I have no mortgages with them she insisted that she could not give me any information because the information did not match her records. As an informal resolution, I asked to speak to a supervisor thinking that they would resolve the matter in good faith. Upon further review of the company online, I noticed that they have a history of violating FCRA rules and reporting erroneous information. The account reported has an opening date from 23 years ago! Please advise.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated that my account was properly investigated, but how is that possible if the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal they also violated my rights under 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

I have been a victim of identity theft and a fraudulent loan account appears on my credit files. I have reported this account to all necessary authorities and XXXX and Equifax are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
Complaint sub-issue: Information is not mine

If Equifax actually investigated this derogatory collection account and determined that it was mine, they would be obligated to amend the credit file with the supposed Creditor that this account was attributable to. Thereby allowing me to dispute this with the company that is falsely screwing up my credit file. I strongly feel that Equifax did no reinvestigation and just sent the response I am disputing to comply with the regulations from the CFPB. I feel that Equifax is being the bad actor here and I want this removed from my credit file or have the company that it is attributable to to be attached to the record.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy under 15 U.S.C 1681. 

XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items 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: Information belongs to someone else

On XXXX XXXX I was a victim of identity theft, an account was opened with Acima Digital XXXX in the amount of {$4900.00}. I filed a police report and contacted the business to remove the fraudulent account. I also requested a contract and verification and the business failed to comply. According to section 605B of fair credit reporting they ( Akima ) is noncompliance.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled the personal data of myself and millions of other American citizens, allowing personal information to get into the hands of malicious hackers. Their gross negligence and inability to secure my information has put myself, my family, and my finances in immediate danger. Their insistence that consumers relinquish their legal rights in order to find out if we 've been affected is ludicrous and proves that they care far more about their own personal security than the consumers they claim to serve. Their requirement to pay a fee in order to freeze credit accounts that have been affected in order to profit off of their own mistakes is nothing more than racketeering. The multiple executives who sold off millions of dollars worth of stock just days after the attack should be imprisoned for insider trading.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I noticed several unauthorized transactions made on my cashapp account on XX/XX/XXXX XX/XX/XXXX. I contacted cashapp about this situation on XX/XX/XXXX as soon as I noticed unauthorized transactions were made on my account. Cashapp responded to me today stating that no error occurred with the transactions that were made. I never used my card with the merchants where the unauthorized transactions were made. I reported the unauthorized transactions as soon as I noticed them. XXXX {$160.00} XX/XX/XXXX at XXXX XXXX- {$290.00} XX/XX/XXXX at XXXX XXXX- {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX at XXXX XXXX XXXX {$110.00} XX/XX/XXXX at XXXX
Complaint sub-issue: Debt is not yours

I have received three or four letters from Afni collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois XXXX, XXXX. 
Last notice date on XX/XX/22 stated I owed {$770.00} to XXXX. Credit acct XXXX. Afni , Inc acct : XXXX The company stated a discounted offer : {$380.00}. I replied to the first letter in writing via mail I received that I did not owe this debt. Ive had XXXX & XXXX for many years not XXXX. 

Is this a scam targeting the elderly?
Complaint sub-issue: Information belongs to someone else

AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. XXXX  XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Please review what was removed from My XXXX XXXX report because of fraud and can you please update and remove the items from your bureaus. 

XXXX XXXX XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report XXXX XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report XXXX/XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report
Complaint sub-issue: Attempted to collect wrong amount

They never called or reach out to me, I also had disputed because the chargers is no accurate. They didnt even ask how much I wanted to pay to Settled they went right on my credit report to add the charges. During this pandemic I never received ved anything I turn in the phones with XXXX 2 XXXX XXXX thru the mail. I only owe them {$870.00}. Only had 1.5 month of the contract left they was charging me {$450.00} dollars a month couldnt afford that payment any more was trying to buy out the phones they kept adding more charges to keep me with them making it harder to own the phones that we only had 2 months left to pay on them all these extras they was trying to add phone reps tell u its this month than u call back to pay it they added more money
Complaint sub-issue: Public record

I sent Equifax all information on tax lien from XXXX XXXX XXXX I sent youConsumer Federal Protection Bureau this informationCase # XXXX where tax liens were reported in error Equifax only put mystatement but did not remove CFTB has this information it was sent toyou by me XXXX removed from file Equifax has not removed only XXXX and left the other with my statement I want it removed and for CFTB to view supporting documentationI sent you back in XXXX XXXX 2014 CASE # XXXX sent you this information Consumer federal trade bureau XXXX XXXX 2014
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX  : XXXX ). 

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

This is final attempt before filing a lawsuit. You have allowed XXXX violate my right as a consumer. What they reporting is N inaccurate account. There were unauthorized charges made on this card while I was admitted in the hospital for several months due to XXXX XXXX, surgeries and XXXX. I sent a copy report to XXXX. Have XXXX  provide a copy of each transaction along with the signature to each transaction. I have been asking for this and they fail to provide it. I cant believe each credit bureau is allowing them to report this account without asking for documents. I would like for each credit bureau to provide me with validated documents and proof of my signature on each transaction with XXXX. XXXX  also have cameras they should be able to review their store cameras and see it wasnt me using the XXXX  credit card. This is my final chance next I will be suing for up to {$15000.00} for each entity thats allowing this account to be reported under my credit file
Complaint sub-issue: Not given enough info to verify debt

I contacted XXXX to discontinue internet service on XXXX/XXXX/16. I was told at that time I had a credit balance of just over {$77.00} and would receive a check in approximately 4-6 weeks. I turned in equipment to the XXXX XXXX office in XXXX TN on XXXX/XXXX/16. When I asked the lady who I turned the equipment in to if I had any outstanding balance, she said I had a {$77.00} credit and should receive a check in 4-6 weeks. I was shocked when I received a call from Afni Inc on XXXX/XXXX/16 saying they were trying to collect a debt from XXXX for {$32.00}. i have contacted XXXX twice already to get an explanation of why my account was 1 ) turned over to a collection agency when I had been told through two different XXXX resources that I had a credit balance ; 2 ) had an autopay on my account so that any outstanding balance due on my account should be charged to the credit card I had set up and had used for an extended period of time while I had service with XXXX. This is the second time I have had issue with XXXX either charging for services not received or turning a balance over to a collection agency when either no debt was owed or any balance due was misrepresented by XXXX representatives. Neither of the XXXX representatives have responded as to why my autopay method was not used if there truly was an outstanding balance after I was told by two resources of having a credit balance.
Complaint sub-issue: Information belongs to someone else

SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Problem with fees

I was charged multiple late fees and interest charges to my Citi Cards account during the time that COVID-19 caused disruptions to businesses and to lives around the world! 

This matter began in XX/XX/2020 when I received a call from a Citi Cards representative stating that I missed a payment. I informed the representative that I did not recall using the card referenced and requested additional information on the charges so I could validate they were legitimate charges. The representative informed me that he was unable to see details but would transfer me to customer service who could assist me, which he immediately transferred me but a representative NEVER answered and the call and then I was disconnected. I tried calling several times thereafter ( days and weeks later ) and collection representative called me but customer service was not available, not even through the online chat portal. 

I eventually spoke with a professional representative who was extremely helpful in providing details of the charges, which was all I needed to pay the bill. In addition, he offered to credit late charges due to credit/payment history and the inconvenience but all of his attempts to credit the charges failed. The representative explained that the system would not allow him to apply the credit because my account was closed. I placed many calls after that call to have the late fees removed and resolve the delinquency but continuously experienced the same outcome, even with a supervisor. 

I paid the bill minus late charges. I was, and continue to be, in utter disbelief that during the time of a world-wide pandemic ( COVID-19 ), a company could be so insensitive to close a consumers account and continue assessing late fees knowing that CITI offices were closed, or operating on limited scheduling, reduced staffing, or whatever the reason may have been for not servicing customers! 

I had great credit prior to this matter, but Citi Cards has tarnished my credit and continues to do so monthly.

I wrote a complaint to multiple executives of the Citi Cards team and was told that charges would not be reversed because the payment was late - without acknowledging their lack of service to customers in previous months.
Complaint sub-issue: Can't use card to make purchases

My account got behind due being laid off from work, did call Discover and they agreed to a payment plan which I agreed to, but they omitted the information that my account will be suspended. I have made my all future payments on time, while every month I called to inquire about the suspension, I was told that account is revised on the 5th of every month since XXXX of last year, in which my account is still suspended. Well since then I have paid my balance owed in full in which they received my money and still they will release my account
Complaint sub-issue: Account status incorrect

I have had my student loan on a income contingent status I submit my pay stubs and household income and information in 2016 my account was reported as 90- 120 days late I called to inquire about this and was told since I faxed in several pay stubs for the month there was a confusion about the amount I really earned and they calculated me making 3 times the amount of my actual income I thought the account was at a payment of {$0.00} dollars monthly when I was changed to a payment of over {$300.00} dollars a month I was not made aware of this change and when I did realize it and called the company handling my loan they fixed my payments but my account still shows that my account was 90- 120 days late keeping my credit score from increasing. I would like to resolve this and get this delinquency removed from my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I have called Equifax for three months about a fraudulent collections account. The last time I called to report fraud account was XX/XX/XXXX. I faxed over police report, FTC ID theft report, ID and tax information to show identity. I was told I would get a response to remove the collection in 30 days and I have not. Ive called back XX/XX/XXXX, XX/XX/XXXX, XXXX and Equifax claimed they never received any paperwork so I faxed it again. I would like this fraudulent account taken off and Equifax will not remove or follow through on the dispute.
Complaint sub-issue: Debt was paid

I consumer XXXX XXXX never contracted in any transaction with PROCOLLECT INC yet they are harassing me about a debt. They have committing multiple violations against me. Ive invoiced them regarding the violations against me via sworn AFFIDAVIT. They have caused injuries to me with there erroneous claims.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I requested a refund for my student loans, as I am eligible for $ XXXX back through the current PSLF program. 

I got an email on XX/XX/XXXX saying my request for a refund was denied for missing information. When I called back they said I needed to verbally state that I understood I would have to pay any balance reinstated that was not forgiven. I had no idea I had to explicitly state this and was never asked this by a Nelnet customer service member. 

After I verbally stated, they told me it would take another 4-8weeks to approve the refund. After calling again today, they now say the amount of time it will take is indefinite. 

Its extremely frustrating because had the Nelnet customer service rep gave me to correct information the first time, the process wouldn't have needed to be restarted. I was extremely proactive by in calling back in XXXX, only for this entire ordeal to be delayed for no reason of my own,
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX and XX/XX/2021 I spoke to ERC asking for proof of this debt they claim they have in writing. I gave them my new address. Asked for a letter on XX/XX/XXXX aprox. It never came. I never received a letter. Today, XX/XX/2021 I called again. I spoke to XXXX /supervisor she stated that their verbal dispute team will send me a letter when they feel like it. [ Basically ] She could give me no date. Her high and mighty attitude was abusive in tone and words. Verbal Abuse, abusive tones which VIOLATES FDCPA the Fair Debt Collections Practices Act. Typical .She said it's against the law for them to send me a letter since I verbally disputed it. Which I WAS NOT TOLD on XX/XX/XXXX. On the first call. Where I spoke to two CSR 's who did not bother to give me that info. Even after I ask on a recorded line she still refuses to send me a letter. She claims it's harassment if she sends me a letter after I verbally disputed it. Yet, I specifically asked for a letter on a recorded line. This is a fake debt. I owe XXXX  nothing. XXXX  XXXX broke their contract with me. I was told it would probably be put on my Credit Bureau by the first person I spoke to on XX/XX/XXXX. Yet, it was taken off ALREADY! AND IF THEY RE-REPORT IT THEY WILL DEFINITELY BE BREAKING THE FCRA. I am being threatened with my Credit being tarnished, and refused something in Writing. They refused to update my address to XXXX XXXX XXXX XXXX, CA XXXX. All letters were going to an old address on XXXX XXXX in XXXX XXXX, an old attorney who does not represent me any longer. Which I told them on the first call. XXXX  was XXXX  and XXXX. Again breaking and violating FDCPA. She believes this fake debt is way more important than being cordial to her fellow humans. She acted as if I robbed a bank or something and was evading arrest. Her tones were all around lawbreaking. I will have my attorney pull their call records. No problem. ERC and all Collection Agencies are a menace to Society and break Federal and State laws on an hourly basis all across the Nation. They fake collect on Unverified, documents. They harass and harm society as a whole, without having any official verification of the debt in the way it should be done. My call began at XXXX XXXX  this morning Monday XX/XX/2021. Her agents did not tell me that I would get a letter from then once they researched the fake claim. I only heard that from her today on this call. I asked for the XXXX letter though, which she refused. I warn them to tread very lightly with my Credit Report, and to think twice before they report this after it was REMOVED. XXXX XXXX XXXX. The Consumer Financial Protection Bureau has been notified of their behavior as will other entities.