Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

Approximately a year ago, I opened a Macy 's account and in the next few months purchased several items. In early XXXX 2016, I received a letter from the collections department stating that because they could n't contact me by phone, I might not be aware that my Macy 's American Express Card account was past due. ( Our mailing address has not changed in some 10 years. ) I called the number listed in the letter and explained to the agent that the account was past due because I had not received any monthly statements or bills and asked for an explanation. None was given, but the agent said that I would begin receiving monthly statements and that all late fees and interest charges would be credited back to the account. 

I finally received the XXXX thru XXXX statements in early XXXX, but the late fees and interest charges had not been credited and though monthly statements are now received regularly, not only have the late fees and interest charges not been removed as promised, but new ones are added each month. 

In mid XXXX we sent Macy 's a check for the merchandise that had been purchased and not returned. 

My husband and I have both spoken with various collection department agents and explained our position that we have paid for the merchandise and since I was told that the late fees and interest charges would be removed, we do not owe them any money. None will discuss why no statements were received until numerous late fees and interest charges had been added to the account or why those fees and charges have n't been removed as promised. 

The last of several letters I 've received since the initial one in XXXX, all urging me to call them to discuss getting my account " back on track '', arrived in early XXXX from Citibank via XXXX XXXX. Apparently the need to capture a phone number to use to harass us is important enough to use such silly gestures.
Complaint sub-issue: Public record information inaccurate

I recently obtained copies of consumer report from both XXXX XXXX and Sage Stream. They're reporting multiple discrepancies on my credit report that is defaming my character. Under the FCRA, I have the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 
Request that XXXX XXXX and SageStream furnish notification of the deletion of all disputed information.
Complaint sub-issue: Debt is not mine

I 'm being sued by a predatory debt collector .they claim to have purchased a debt that they say is mine. They claimed to have purchased debt in XX/XX/2016 and are suing me as of XX/XX/<YYYY> XXXX. I never had this debt, it has never appeared on my credit report before.the dates they give place me living with my parents at the time and I did n't have a utility bill in my name while living with them
Complaint sub-issue: Reporting company used your report improperly

XXXX  XXXX and Equifax are engaging in a practice that is illegal. They are purposely re-aging an account to keep the account having the highest negative impact on my account for the longest period of time. They are reporting last activity almost 2 years prior to the company charging off the account. they are doing this so the account has THE most impact on my credit report. I have also been paying on this account after speaking to them about the issue for the last 3 months. Therefore everything about this account is incorrect, therefore a violation of my rights and should rightfully be removed from my file.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

My XXXX  from XXXX has been getting deposited on Relia card since XX/XX/XXXX. I had no problems using the card until XX/XX/XXXX. Relia card locked my account and asked me to fax documents proving my identity. I faxed all the documents they asked for except my XXXX tax return. The reason that was not faxed was because it was done online as just a non working tax return. This complaint is very urgent due to the fact that i have no money to live. I am about to be evicted due to relia card not allowing me to access my money. I have tried to get XXXX to deposit my money into my checking account but they keep putting my money on this Relia card which has unlawfully locked my money. They have a horrible customer service. Please i do not want to have to pay for a lawyer to allow me to access my own funds. At this point i feel they are stealing my money. There is no fraud i couldnt remember my password to sign into their mobile app so i tried over three times amd they locked it. Like i said this is very urgent i get this fixed. I have called their customer service everyday to try and get this resolved. Please let me access my money from XXXX. That relia card is a horrible pre paid card i just want what is rightfully mine.
Complaint sub-issue: Received unwanted marketing or advertising

So I went on credit karma and got a alert saying a place ran my credit Im like what. So I looked it said XXXX XXXX XXXX XXXX and Ive never applied for anything like for anything before. I called XXXX XXXX they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX. XXXX   XXXX
Complaint sub-issue: Report improperly shared by CRC

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account information incorrect

On XXXX, I was approved for a line of credit for XXXX XXXX XXXX. XXXX XXXX XXXX failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX XXXX is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX XXXX defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX XXXX is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX XXXX contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX XXXX with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.
Complaint sub-issue: Other problem getting your report or credit score

My credit file landed with The Office of Consumer affairs for Equifax due to mix of files with someone else which to this day they refuse to admit it Denied Access to monitor my credit file online by me or any credit monitor agency institution that offer such service by blocking acces file monitor any innacuracies that where the result of a mix file which con they mon taken possession and claim as is their Their reason Equifax is blocking my credit file does not justified why I cant have access? It is done to protect my credit file this is absurd Incorrect information on a credit report Equifax consumer reporting agency investigation incomplete Improper use of my credit report refusing me access to it Being unable to get a copy of a credit score or file ; and Problems with credit monitoring or identify protection services because Equifax putting block on my credit file Variations between the credit scores and is provide to prospect lenders has led to credit harms from this error not been corrected. These harms include those resulting from inaccurate perceptions of my credit worthiness.

Access to credit reports : By demanding rigorous identity authentication questions to which is preventing me from accessing my credit reports.

Problems disputing errors : When reporting problems disputing errors directly with Equifax. In particular with account place on my credit file that o not belongs to me. by their inability to correct inaccuracies my reports with both Equifax and creditor This issue with Equifax has delayed the process when applying for credit, forgoing the opportunity to refinance my house and my car loan delaying a valuable mortgage refinancing.

As a result because of their inability I am been force to apply with lenders who offer less favorable terms instead of having what truly I might qualify for.

higher interest costs get you to risk and the likelihoods of default due to the greater costs and difficulty of making monthly payments can let too and all because Equifax negligence of correcting error.

I have try to have Equifax understand the important for them to respect of my right as consumer they intentionally have disregard it. This rights are guaranteed by federal consumer financial law whether they like or not, if no they need to be accountable I have follow the credit reporting complaint process but let me nowhere once the process was complete, I was dissatisfied with the resolution and the result because they did not follow protocol and in most cases the issue was not fully corrected until they did not longer have an option than to correct it
Complaint sub-issue: Problem with fees

I contacted my Citi Credit Cards on XX/XX/2020 to report that I was out of work and unable to make minimum payments due to COVID 19 pandemic by the due on XX/XX/20. I was told by one Citi Card that I would be put in a special program for consumers effected by COVID 19 so that my minimum payment would be placed at {$0.00} for 3 months ( XX/XX/20 ). My Sears Citi card told me that they did not have anything in place at that time for COVID 19 consumers but that they would waive all late fees occurred for my XX/XX/20 bill. On XX/XX/20 I received an automated call from my Citi Card that my account is passed due and that I had accrued late fees due to being late. I contacted the Citi Card, and was informed by customer service staff that there was no note of my call on XX/XX/20 and told me that they could not help me to remove the late fees or delinquency that had been placed on my account. I requested to speak with a supervisor and who got on the phone and told me that their system went down and that I would have to call back in 2 hours ( after I had been waiting on hold for two hours ). I did finally get through to a supervisor after I called back to- back. I was told that my account would be placed in a COVID 19 special program and that my account would not reflect as delinquent and no late fees would be assessed. On XX/XX/20 I received an email stating that Citi Card account was delinquent for a pass due amount. There was an option to request COVID 19 help attached to that email which I applied for. OnXX/XX/20 after the email that morning, I received an automated call from Sears Citi Credit Card stating that my account was pass due and has accrued late fees. When I called the customer service dept. I was told that same information- that there was no note of my call on XX/XX/20 and that there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. At that time Sears Citi Card did place me in a COVID 19 program to help with future payments but they refused to remove the delinquent account information and the late fees.
Complaint sub-issue: Fraudulent loan

On XX/XX/2020, CarMax presented me with a fraudulent contract that infringed upon my rights as consumer. 

On or about XX/XX/2020, I sent a Debt Validation Letter and a Cease & Desist Letter by certified mail. 

On or about XX/XX/2020, I received from CarMax, a letter and a copy of my contract as an answer to my request. 

To resolve issues, on or about XX/XX/XXXX & XXXX, XXXX, I sent a notarized Affidavit of Truth outlining their violations, another Cease & Desist detailing my remedy, copies of my exhibits, and an invoice for my  violations, again by certified mail. 

Please see attached documents.
Complaint sub-issue: Didn't receive enough information to verify debt

IC Systems and XXXX XXXX XXXX received medical debt. This debt is tied to medical information that they are not legally allowed to have under HIPAA laws and therefore the debt is illegal and should be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. 

Re-aged charge-off dates according tot the Credit Reporting XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ).

Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, I received a letter from the Finex Group, LLC Collection Services regarding a {$2800.00} collection for vehicle towing and storage that took place on XX/XX/XXXX. I called the Finex Group on the evening of XX/XX/XXXX, the customer service representative stated that the vehicle in question was registered to my name. The customer service representative informed me that the Finex Group had  proof the vehicle was registered to my name by the Department of Motor Vehicles ( DMV ). 

I went to the DMV office on XX/XX/XXXX. The DMV stated the vehicle in question was never registered to my name. I called the Finex Group again on XX/XX/XXXX, and informed them that the DMV has no record of the vehicle ever being registered to my name ; therefore, I was not responsible for the fees the Finex Group was attempting to collect. The representative stated they had proof that the vehicle was registered in my name from the DMV. I requested a copy of the document they were using ; the representative informed me that it could take 30 days to send the document and proceeded to hang up on me. 

I received a copy of the proof the Finex Group claimed they had via mail the week of XX/XX/XXXX. The document the Finex Group sent was not a document provided by the DMV. It was an " Notice of Pending Lien Sale for Vehicle Values {$4000.00} or Less '' form filled out by XX/XX/XXXX and was submitted to the DMV in  XXXX  of 2016. This document is not completed by the DMV ;  therefore, the Finex Group is using inaccurate information to collect a debt that I am not responsible for. Attempts to explain this to the Finex Group have been unsuccessful and they are still using the form submitted to the DMV as proof of ownership. This form can be completed by anyone and does not reflect actual DMV record. In this case, the form was completed by XX/XX/XXXX, not the DMV. 

In conclusion, the Finex Group is attempting to collect and report debt I am not responsible for to the credit bureaus which would damage my credit based on inaccurate information. The " proof '' the Finex Group has does not demonstrate that the vehicle in question was ever registered to by name which can only be confirmed by the DMV. The DMV has confirmed that the vehicle was never registered in my name.
Complaint sub-issue: Problem with paying off the loan

I called Gateway One Lending and Finance at  XXXX  to payoff my car loan and they wouldn't take my payment.  I pay online and they wouldn't take that payment either.      They don't have a way to process the closing in the same manner that I was instructed to make payments and find this feels like a usury situation as they are forcing me to stay in the loan and pay interest that I would like to pay off.    I contacted the company and they said they couldn't help.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2020 I noticed a transaction for {$290.00} from XXXX XXXX was pending in my citibank checking account that was initiated on XX/XX/XXXX. I did not recognize the charge and when I contacted Citibank on XX/XX/2020 they told me I would need to wait until the transaction cleared before I could file a dispute in the meantime they did close my debit card. XX/XX/XXXX the transactions for {$290.00} posted to my account I filed a dispute immediately and was told that I would receive a temporary Credit in 10 days if they had not come to a resolution. About three weeks later I still did not receive any provisional credit upon contacting Citibank they told me that I need to file a new dispute that this one was overlooked so I filed another dispute for the {$290.00} again I waited about 30 days with no response or provisional credit I contacted Citibank again just XX/XX/XXXX was told that I needed submit the dispute in writing which I did by fax and email. At this point my Citibank account had gone into the negatives they've accrued numerous fees because transaction in CitiBank closed my account with out warning because of a negative balance. The negative balance was due to service fees and I refuse to deposit money into an account until I received a response from my dispute I filed 3 times
Complaint sub-issue: Debt is not yours

I entered a consumer credit transaction with USCB CORPORATION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that USCB CORPORATION claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. USCB CORPORATION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.