Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

My bank of the west credit card was paid off and closed in XXXX 2020. Yet, I have still received late payment marks on my credit every month since. I called XXXX and they said the account had been closed as of XXXX 2020.
Complaint sub-issue: Attempted to collect wrong amount

We were billed erroneously by LexisNexis in XX/XX/XXXX. Pursuant to our service agreement I sent notification in XXXX XXXX that we would be ending our service as of XX/XX/XXXX. When we were billed in XXXX of XXXX I tried to explain that we should not have been billed because we canceled our services. LexisNexis assured me that this was taken care of but for reasons unknown to me the account was moved to XXXX XXXX XXXX, a collection agency. They are trying to collect {$1800.00} and I asked them validate the debt. They sent the XXXX and XXXX invoices in an attempt to collect the wrong amount.
Complaint sub-issue: Bounced checks or returned payments

Citibank has been c hanging dates and moving around transactions to able to collect extra fees. This is serious. And unfortunately for them, I can prove it by proving the time of transactions ( ie   XXXX    transactions that went through because I had cash on my account before they changed the dates of transac tions ).      On  XXXX / XXXX /  XXXX   my account was positive.   On  XXXX / XXXX /  XXXX   a check from Bes t Buy Credit ( still citiba nk ) made me go negative by {$60.00}. There are no ATM branches in  XXXX , TX so I immediately made transfer from another bank account.   In the meantime citibank charged me {$34.00} to reject the check + {$34.00} for going negative. CHARGING ME TWICE A {$34.00} FEE FOR THE SAME REASON!     The transfer hit on the  XXXX , in the morning and my account was positive. Best But retried the {$100.00} check and everything was fine I had a surplus on the account.     On the  XXXX  an additional {$1200.00} was added to my checking account.     Although I was fine in the morning, a few hours later the best buy check had retroactively bounced and the dates on all the transactions had been set forward by a day.     The dates of transactions had been changed and reshuffled to justify additional fees!     Last month the same thing happened and I was reimbursed. But this is too fraudulent by a major bank. I want to sue.
Complaint sub-issue: Debt is not yours

On XX/XX/2021 I Reached Out To Acima Credit XXXX XXXX About Accoun XXXX That Has Been Damaging to my credit report I asked for a debt validation I asked Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -License proof to collect debts in my state I have not received any documentation or any response it has been over 30 days since the letter was mailed and I stated in my letter a sign of silence is a sign of guilt and I need this removed from my credit report
Complaint sub-issue: Company closed your account

will attach photos of the paper work that confirms the closing of my account around the months of XXXX. 

I made a few payments with this company before my billing cycle and they were reversed. This was a secured credit card that I placed XXXX $ limit. Due to me having too many reversed payments within a short period of time after me opening the card, they closed my account. They used my XXXX $ I placed on the secured credit card towards my Balance of the account. They sent my check by mail paying me {$19.00} around XX/XX/XXXX. The account was supposed to be closed. They kept my account opened and within The next billing cycle of XX/XX/XXXX I had a new balance of {$100.00}. This was a reversed payment with XXXX XXXX. This is one of the reversed payments that made the creditor close my account When I made the phone call with the gentleman to discuss the closing of my account. I asked if there was any way to keep my account open due to me wanting to work on my credit and I just got approved for the secured credit card. The gentleman told me no and he would use my XXXX $ deposit towards my balance and it came out to XXXX cents so they sent me a check around XX/XX/XXXX for {$19.00}. After I was told that I cut up my card immediately and never used the card again. There are charges on this card in the month of XX/XX/XXXX I was post a picture as well that none of them were made by me. I have charges in the state of California, XXXX OH, XXXX OH and XXXX Ohio. I do not go in any of those areas. As Im taking pictures of the monthly statements. Citi did not send me the XXXX XXXX statement as this is one of the most important statements due to my account closing before XXXX.
Complaint sub-issue: Information belongs to someone else

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

I am part of the Equifax breach. I feel like I should be given 7 years of free credit monitoring by the company. I also would like to be able to remove my information from their database since they clearly can not be trusted with it.
Complaint sub-issue: Reporting company used your report improperly

I need that I am not requesting a " verification '' I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date your receipt of this request for validation : 1. Name and address of alleged creditor : 2.Name on file of alleged debtor : 3.Alleged account # : 4.Address on file for alleged debtor : 5. Amount of alleged debt : 6.Date that this alleged debt became payable : 7.Date of original charge off or delinquency : 8. Copy of the contract and any amendments as this will show what the terms of the contract so I can see if you are following this in the amount you are trying to collect from me ; + 9. Was this debt assigned to debt collector or purchased? 
10. Purchased agreement if the debt was purchased so that I can see if you really own this debt : 10.Agreement that bears the signature of the alleged debtor wherein I agreed to pay creditors.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XXXX I switched my cellphone service from XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX offered an switcher program that allows XXXX XXXX XXXX to buy your phones from XXXX and pay your remaining cell phone balance. 
All of the necessary measures were taken from my end which required me to cancel service with XXXX, complete the switcher program online, and turn in all XXXX of my cellphones via mail. I have a photo of the box I sent through XXXX and the tracking information stating that the phones were delivered to XXXX XXXX XXXX. 
I never received credit for my cellphones and I have a remaining balance ownd to XXXX of {$2400.00}. This balance has now sent to collections and I never received any resolve from XXXX XXXX XXXX. I did receive confirmation that the cellphones were in the factory but they had to check the phones to make sure they were in good shape to receive full credit. All the phones were like brand new and I had only had them for about 3 months before switching over to XXXX XXXX XXXX. 

I spoke with XXXX local XXXX XXXX XXXX store managers and there was no resolve. I was referred to call XXXX XXXX about receiving credit for my phones and last payment. I spoke with multiple people which I have documentation of who and when I spoke with them again with no resolve. 

Lastly I spoke with corporate of XXXX XXXX XXXX which was the Executive Response Manager for my case and she explained that they had my cellphones and that they were behind in their work and they would get back to my case. After several email attempts she stopped replying to my emails after all the necessary information was presented to her. 

I now have this debt on my credit report and my cellphones were basically stolen by XXXX XXXX XXXX leaving me in financial grief and frustration. 

I am looking to receive {$2400.00} from XXXX XXXX XXXX to pay off the creditors and clean my credit report.
Complaint sub-issue: Debt was result of identity theft

This medical bill debt {$5900.00} dated XX/XX/XXXX from a collection agency call Ray Klein Inc. dba Professional Credit Services was/is not mine but was a data entry mistake at the hospital. When first contacted via phone calls they kept talking about a medical bill that I had Insurance for and was already paid. But they would never send me any information on it as they said they would and hadn't heard from them again. So I thought they had found my insurance paper work. My current employer then got a writ of garnishment for {$13000.00} years later in XXXX stating that I was served at an old employer which is false and does not match my identity at all. The woman who was served was a XXXX '' XXXX XXXX year old with XXXX hair and I am a XXXX '' XXXX woman with XXXX and i still won't be XXXX till XXXX. So I went to the hospital to gather the medical bill in question and found that it was a bill in my name with incorrect and/or old information for services that I had not had with medical conditions I don't have and not the bill they were talking about before ( which they read back to me ) I had also obtained a lawyer to fight this in court as they wouldn't accept the evidence that I provided and after some time they sent a release of writ of garnishment stating to refund monies collected during garnishment after they received an email from my lawyer. So I thought they had finally cleared this mess up especially since it had been past the 6 year & 10 year statue of limitation. Then I got a call a month ago trying to collect on the debt again and I forwarded the info from the case and that should have been the end of it but no. My employer received a new writ of garnishment on Friday.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I have a had a cash app account prepaid and somehow a person added themselves to my account that I do not know transactions were made that I did not approve and cash app closed my account after me asking them about whomever it was it was added to my account and now they are saying I'm disputing the charges and taking money out of people 's accounts that I sent it to I tried resolving the problem with cash app because it was unauthorized activity on my card as well as unauthorized people on my account that I do not know and furthermore I'm having to deal with family members and whatnot who I paid or loan money to where I owed money for babysitting too having money taken directly out of their account that I sent them and I don't know how that's even possibly legal.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act INQUIRES 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

In previous months, I requested to CREDIT BUREAUS to update the inaccurate accounts which another credit reporting agency found to be inaccurate and had corrected. Due to lack of response which I classify as frivolous, CREDIT BUREAUS have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please update the following accounts, DEPTEDXXXX  XXXX Balance {$2000.00} and DEPTEDXXXX XXXX Balance {$4500.00} which XXXX, Equifax and XXXX have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the accounts listed.
Complaint sub-issue: Debt is not mine

I received a copy of my credit report this morning and noticed that your AFNI XXXX reporting information about me, which have zero knowledge about. I have received no form of written notice nor have I received any phone calls. The fact I have not received any communication before inserting the alleged " debt '' onto my credit report is a violation of The Fair Debt Collections Practices act FDCPA, which does entitle me to {$1000.00} per violation plus attorney fees. 

Please see attached affidavit.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Secti

on 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Complaint sub-issue: Banking errors

I have a checking account with First Tennessee Bank, and a debit card was provided with the account. Sometime between XX/XX/XXXX and XX/XX/XXXX I lost the debit card, and ten unauthorized transactions were made on the account. The last transaction I conducted on the account was on XX/XX/XXXX. I discovered the debit card missing on XX/XX/XXXX, and called First Tennessee immediately to have the account closed, and to file a claim/case for the unauthorized transactions. I was told a provisional credit for {$890.00} would be applied to my account within five business days. Instead, I received a letter dated XX/XX/XXXX, which stated the information I provided was inconsistent with the transactions I reported as unauthorized. Accordingly, I called First Tennessee 's Fraud Dept. on  XX/XX/XXXX to ascertain in more detail why the case had been denied. An email was sent by the person I spoke with to a senior manager to request the case be reopened, and for me to receive a call. On XX/XX/XXXX, I spoke to a senior manager who requested a police report be filed. The police report was filed with my county sheriff 's office, and the report was submitted to First Tennessee Bank. The deputy made an incident/investigation report, and not a criminal report, because all the transactions occurred in other counties. My sheriff 's office didn't have jurisdiction over the crimes ( fraud transactions ) committed. Nevertheless, I followed up with First Tennessee later in XX/XX/XXXX( don't know the exact date ) to find out what was happening with the case, and was told the case wasn't reopened because when I called the Fraud Dept. on XX/XX/XXXX I stated the debit card was still in my possession, but in fact I said the card wasn't in my possession. In addition to this problem, I was told that I had called the Fraud Dept. to have my account reopened after a transaction was declined at a XXXX XXXX. I didn't call the bank until I discovered my debit card missing on XX/XX/XXXX. Further, the same Fraud Dept. employee told me that my PIN was used for some of the unauthorized transactions, which I refuted because I'm the only person that knows the PIN. Upon speaking with a senior manager a few moments later, I was told that all the unauthorized transactions were indeed credit POS transactions.
Complaint sub-issue: Account status incorrect

In XXXX I received an offer from XXXX XXXX about a debt that I owed to XXXX  XXXX XXXX. I was told if I paid the required amount that the debt would be removed from my credit file including the balance that was being reported by XXXX XXXX XXXX. I paid the balance and XXXX XXXX did in fact deleted the negative entry off my credit. However, XXXX XXXX XXXX still refused to delete this account off my credit. I called XXXX XXXX XXXX on many occasions and I was told that they are no longer reporting this account. I was told to put file a dispute and send a copy of my credit report showing that they are in fact still reporting negatively on my credit and the account would be removed but they failed to do so. XXXX XXXX XXXX continues to report that I failed to pay even after the debt was settled with XXXX XXXX. The last report date was XXXX, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

FCRA 609 STATES THAT Credit report has to be 100 percent accurate and My college loan comes from the department of education not XXXX therefore by then stating I owe them Is not true they are a private contractor who don't have my permission to report on the status of what I owe to department of education
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to access my credit score/report from Equifax since XX/XX/2018 when my husband and I were trying to buy a house. I had never requested my credit score from equifax specifically, so I never knew that there was an issue, but my husband and I were almost unable to go through with the home loan because my lender was unable to pull anything from Equifax. However, I have active, accessible credit files with XXXX and XXXX. At the time, I contacted Equifax several times by phone to try and determine what the issue was but they kept giving me different answers, such as " we do not have a file for you, '' " there is a discrepancy on your name, '' and " we can not give you any information at this time. '' I also tried to create an account on Equifax 's website, but I kept receiving an error code which I shared with the Equifax representative and they recommended that I try sending a letter to Equifax with copies of my social security card, photo id, and a cover letter explaining the situation, that there was a discrepancy on my name. A month later I received a response back from Equifax saying that they did not have a file for me. After buying our house, I tried to let some time pass, because I knew for sure that our lender reported to Equifax as well as the other lenders, and I wanted to see if that would make a difference. However, it has been over a year since we bought the house and I still can not access my credit report from Equifax.
Complaint sub-issue: Card was charged for something you did not purchase with the card

hello there has been multiple charges on my XXXX credit card that i did not authorize. i reported them twice and the company refused to credit them back to my account. i reported them by phone and once by mail. when i called once i found out that the transactions i discussed on the phone was not reported correctly to their fraud department. probably because an operator error that couldnt report it correctly. based on master card zero liability i am not liable for somebody else spending my money and i reported those transaction less than a month of the charges happened but they didnt process it and then they said its too late! the list of all fradulent transactions are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  it is more than XXXX $ of transactions that the credit card company is refusing to credit back
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 15 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent ( 2 ) dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Fees charged for closing account

Are used to have an account with Citibank and I closed all of my accounts with them but I still receive a charge of about {$100.00} that I owe them although I have close my account