Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

On XX/XX/XXXX, I wasnt able to use my Cash App card, because they said suspicious activity! I transferred {$200.00} from my bank account which is connected to Cash App! So where is the suspicious activity? After I asked how is that suspicious activity, then Cash App begins that they need proof of where I live! They said I could send in my Drivers License or ID and I did! That wasnt good enough! I address on my Drivers license is the same as my Cash App account! Now its you live in a Hotel, I need something with a Letter head saying you live there! I send in this piece of info and its still not good enough! Mind you this is a rooming house now and theres plenty of other people living here with Cash App cards and they are not going thru this issue! I have been constantly paying fees to them because I have to cash out my money because I cant use my card! I also purchased a new card from them and cant use it, yet they wont refund my money!
Complaint sub-issue: Debt was result of identity theft

I XXXX XXXX am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has fraudulent accounts on my profile that need to be removed immediately
Complaint sub-issue: Account status incorrect

I had a total loss fire on my equipment. I immediately filed claim with my insurance company. This was in XXXX of XX/XX/2018. The finally paid my equipment loan off in XX/XX/2018. I couldn't continue my business without equipment to operate. The insurance company XXXX XXXX should have paid after 45 days. I had keep in touch with XXXX XXXX XXXX XXXX XXXX as well. They have my account listed as a paid charge off. XXXX XXXX and Equifax still have this as paid charge off.. This brought my credit score down XXXX points. Im just now getting it back. Not Fair Business. I bought insurance to cover me in case of loss. Instead I lost my business and my credit score.
Complaint sub-issue: Received bad information about your loan

In response to my complaint # XXXX about AES, in which I maintained that I NEVER signed ( electronically or otherwise ) a federal loan consolidation application and promissory note in 2005 and from whom I asked for documentation proving their allegation that I did so, they responded to you ( but not directly to me ) that any documentation of proof I requested repeatedly is " UNAVAILABLE. '' Now, XXXX is threatening seizure of federal and state tax refunds to offset the now {$30000.00} allegedly owed by me. It seems to me that the notion of " burden of proof '' is upside down here. I maintain that I did NOT electronically sign the consolidation document in question and further asked for documentation pertaining to the original loan. How can a person prove that she did NOT sign ( electronically or otherwise ) a document that bears no signature, contains numerous mistakes and missing information? It should be quite easy for a reputable company to provide proof of such a signature. My dispute with AES and now XXXX has gone on for almost two years, with no relief or even reasonable responses. Please help!
Complaint sub-issue: Debt was paid

I have paid this dept. I think at the time this company went through management changes and my dept somehow was overlooked. 
I talked to management several times trying to make this right but it seemed like they were not interested in looking deeper into the matter. 
Its a shame they ruin my credit over their own fault. I pay my depts, you can look at my credit history. I Will Not Pay A Dept I DO NOT OWE! This has been ongoing now 8 years.
Complaint sub-issue: Problem with fees

I use the Citi.com website to pay my CitiAAdvantage Platinum Select credit card every month. On XX/XX/XXXX, Citi charged me a {$29.00} 'Return Check Fee ' and claimed the account information of the payment bank was incorrect ( it was a non-Citi account ). I have pointed out that my bank information was already stored information on the Citi website and I used the same account to pay the credit card bill from XX/XX/XXXX to XX/XX/XXXX with no issues, as well as pay my Costco Credit card with the same account in XX/XX/XXXX. They refused to accept the account was ever valid and refuse to waive the fee.
Complaint sub-issue: Information belongs to someone else

There are two accounts on my XXXX Equifax and XXXX that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXXXX/XX/XXXX
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2019 I deposited a check in my account by mistake that I had previously cashed that same day. Prior to that day I had made deposits from XXXX, XXXX and XXXX the previous week. All of my money is being held by Citibank with no resolution or release of my funds because they put a fraud freeze on my account. I explained in detail what he happened to numerous people with Citi and no one can help me. It's been 3 weeks now and they still have my money. I dont know what to  do.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report inviolation of federal law. Please remove or update the following accounts completely frommy Credit Reports : 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: Problem lowering your monthly payments

I am filing another complaint as I was not able to upload additional information with my response. The response from the Department of Education to my complaint is unacceptable. As noted in their response, interest would have been capitalized ( added to the principal balance ) after periods of forbearance or deferment, during the consolidation processes, and during the default/rehabilitation processes. The Departments practice of applying payments to past due interest first that has already been capitalized and included in the principal loan balance does not appear to be a fair, ethical practice, particularly since the loan continues to accrue interest on the unpaid principal during the same period. As stated in the Departments response XX/XX/XXXX, the XXXX ( XXXX ) underlying XXXX XXXX Loans were involved in a consolidation process. The XXXX XXXX Consolidation Loan had an original principal balance of {$73000.00}. Yet, as of todays date, XX/XX/XXXX ( 17 years later ), they still show {$71000.00} as the current principal balance of the loan. 

I requested and received an updated Summary of Financial Activity from XXXX XXXX showing transactions from XX/XX/XXXX to XX/XX/XXXX, indicating a principal balance as of XX/XX/XXXX of {$71000.00}. Since their summary was incomplete, I added transactions from my records received in previous years from the Department of Education servicers for payments made from XX/XX/XXXX to XX/XX/XXXX ( including Treasury Offsets from my Federal and Social Security retirement income ). I have attached a copy of the financial summary I prepared. The principal balance I derived from those calculations ( INCLUDING capitalized interest totaling {$10000.00} ) was {$59000.00} NOT {$71000.00}. For the life of the loan ( 17 years ), Ive paid {$57000.00}, with {$45000.00} ( 79.6 % ) of that amount applied to interest on a principal balance that included capitalized interest! ). 

The response from the Department of Education did not only provide inaccurate transaction data, it also did address any options that I requested that might be available under the circumstances for loan reduction and/or forgiveness.
Complaint sub-issue: Debt is not yours

Enhanced Recovery Company has re-added an account for XXXX that I previously disputed to your agency with success even though the account was already removed from my credit profile. 

XXXX XXXX XXXX deleted this account from my profile on XXXX XXXX, 2020 yet ERC continues to re-add this account to my profile incorrectly and illegally, XXXX also keeps incorrectly verifying this account as being accurate as well when they have previously removed it.
Complaint sub-issue: Received bad information about your loan

With the new PSLF waiver I have sent in ALL my certifications, they are not updating my total count, the deadline is XX/XX/XXXX I can't keep sending the same info if they are not going to do anything. they has lost the contract with Dept of Education, new servicer is coming into play. In XXXX  they also told me consolidate my loans in order for them to be more affordable not knowing it would restart me paying for my forgiveness. I was about 2 yrs away from loan forgiveness. It has taken them 2 months to update me only to say I was missing information. When the form clearly says to check this box if you can't get your employer to certify. Clearly NO has a CLUE once again.
Complaint sub-issue: Old information reappears or never goes away

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts WAS DELETED. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I did not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please DELETE the account below due to several violations of the law. The companies in question for the alleged debt are as follows : 1 ) XXXX XXXXXXXX ( Reinserted into EQUIFAX )
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. The credit bureau is refusing to remove a past due debt from my credit report that is not mine. This account is under a company called " XXXX XXXX for {$1000.00} with account number # XXXX. This account is not mine and I have already called and spoken to representatives at their company to find out why this is on my credit. It turns out that the personal information on this account does not match mine besides a very similar sounding name. This of course means that the credit bureau is reporting someone else 's account on my credit. The representatives were n't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to the credit bureau to have this account deleted from my credit. I have already sent out multiple disputes against the credit bureau for over a year now and they have only responded back with generic responses asking me to call this creditor back and bring the issue to them. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax will not investigate and remove inquiries that were fraudulent I talked to several representatives in the fraud department
Complaint sub-issue: Problem during payment process

I have been making payments on my credit card. The payments clear my bank account but my credit limit does n't reflect it for 7 to 10 business days after clearing my bank. I am paying a fee to use  this credit limit and earn miles, however, I can not because my credit limit is being held up. On XX/XX/XXXX I made a {$400.00} payment that cleared my bank account the following day on XX/XX/XXXX. My billing period has since closed and as of XX/XX/XXXX this payment is still have not been applied towards my credit limit. This happened the previous month and the Citi Rep told me to make the payment over the phone. So, this payment was made over the phone and the automated service stated that my credit limit would reflect the payment in 2 business days after being received. When it did not then I called XXXX XXXX XXXX on XX/XX/XXXX and he could not help me and told me I could call another number. I have been paying other credit debt with Citi for years from my bank account which has been established and in good standing since XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

RE : Request to remove Unauthorized Inquiries or provide documentation of Authorization Dear Sir or Madam, On XX/XX/XXXX I filed a dispute concerning inquiries from Credit Plus claiming I did not authorize hard credit pulls on XX/XX/XXXX and XX/XX/XXXX. 

Credit Pluss response was ; On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. Credit Plus is a " reseller '' of credit information and provides credit report information from the 3 credit bureaus at the request of clients per the Fair Credit Reporting Act guidelines. If you did not authorize access to credit data ; please file a new case. 

Again I specifically asked for documentation from Credit Plus, I do not care who they pull my credit for, they can not pull it without the proper authorization and if they are pulling credit reports without the proper documentations from it's clients then that is also a monsterous violation of the FCRA. The inquiries are in the name of Credit Plus not some other third party.

Credit Plus claims they follow the guidelines of the FCRA, then follow them. 
So again, I did not authorize Credit Plus or anyone else to pull my credit on XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX, XX/XX/XXXX, Therefore per FCRA, either provide the proper documentation that I authorized credit Plus to pull my credit reports from XXXX, XXXX and XXXX for those dates or remove the inquiries immediately. 

Here was my request I am requesting for Credit Plus to  either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

Please remove the unauthorized inquiries from my XXXX, XXXX and XXXX reports or provide me with the unredacted documentation that gave Credit Plus permission from me to pull my credit on the dates listed. 

Thank you for your assistance in this matter,
Complaint sub-issue: Other problem getting your report or credit score

started a dispute with Equifax on XX/XX/2018. Report was finished on XX/XX/2018. Dispute Confirmation number is XXXX. I could not access the report by email or online. Equifax could not mail to my current address at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. So Equifax sent to my old address which is XXXX XXXX XXXX XXXX Texas XXXX. My mail is forwarded. I still have not received the report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 instructions
Complaint sub-issue: Account status incorrect

These accounts have been consolidated in XX/XX/2014. At no time was I contacted in writing by XXXX XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX   balance, and all in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than XXXX XXXX XXXX. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX XXXX  XXXX, is also reporting multiple loans as 120 days past due and these loans are older than 10 years. 

The United States Department of Education/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old.
Complaint sub-issue: Debt is not yours

Enhanced Recovery is reporting a fraudulent collection account to XXXX, XXXX, and XXXX. I have never had any past service with XXXX XXXX XXXX XXXX XXXX Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake. 

I filed a fraud report previously to FTC regarding this account and it was removed from my credit report with all 3 credit bureaus previously. 

XXXX XXXX FTC Report # XXXX Submitted : XX/XX/2022
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX  I have a a unverified account from AMERICOLLECT. I had previously disputed this account. I have never done business with AMERICOLLECT. Pursuant to the Fair Debt Collection  Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMERICOLLECT Provide verification of the following : 1. ) The original Application or contract ; or a Original contract agreement 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMERICOLLECT Cease  and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Problem with rewards from credit card

In late XXXX, I contacted Citi about XXXX miles missing from my rewards on my XXXX XXXX card that I had met the spend bonus for. I was instructed there was a system error that prevented the points from posting because when I converted my old XXXX XXXX card to a Citi Double Cash card which marked the XXXX XXXX card as " closed '' instead of " transferred ''. I was subsequently denied my claim of having the bonus XXXX miles added to my new card. This is a potentially deceptive & unfair as I opened the account under the premise that I would be able to spend on the card, get the bonus miles, and then be able to continue to use the card for trips. Had I known I would be held liable for a system error out of my control that Citi has, I would have strayed away from opening this card. The card in question that was " closed '' is still technically open. I should not have issues because of Citi 's system not marking the account correctly thus causing me to open an account with a hard inquiry with usage.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reinserting accounts on my credit report. Accounts that I have disputed that was inaccurate was deleted and then reinserted without any notification from Equifax.
Complaint sub-issue: Debt was paid

I Had an owed debt with XXXX which was sent to collections to Enhanced Recovery Company. I spoke with them and they offered me a settlement which I took and paid. All of this time it was not on my credit report at all whatsoever. After it was paid which they see on their system It was than reported to all three credit bureaus as a collection also as unpaid although it is paid. They are reporting false information on my report, I lost 43 points because of them.