Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not mine

Poor DSL service was at a rental house I owned. XXXX service cancelled by occupant to obtain service from XXXX on XXXX XXXX, 2013. Bill in dispute was never sent to my home and was for services not provided by XXXX. I had no Knowledge of bill until XXXX contacted by recovery company. 
Service by XXXX - DSL service for this address was not my responsibility. Charges were dismissed by XXXX with XXXX and have now been filed by AFNI.
Complaint sub-issue: Debt is not mine

Nothing, no information about the debt was conveyed to me over the phone call by the alleged collection agency.
Complaint sub-issue: Problem making or receiving payments

While setting up and online payment for property tax for the city of XXXX, CT. I was instructed by Citibank 's website to accept the mailing address in their system. The result of this acceptance the tax payment went to the city of XXXX, IA. There were two separate payments one for XXXX on XX/XX/XXXX and one for XXXX on XX/XX/XXXX. I request proof of payment from Citibank when I was informed that my tax payments were late. I brought the proof of payment to the controller office in XXXX. There was no information on the proof of payment that would allow the controller 's office to locate the funds. It was with the assistance of the bank manager that we discovered the payments actually was setup to be delivered to Iowa. I contacted Iowa 's Mayor and City Clerk, they could not find any funds matching those amounts on those dates. I went back to the bank manager explaining that I needed the actual bank account or bank name and address so that I could give the City Clerk more specific information. Again I was given a report of the Electronic Transfer without any reference to any account in Iowa. With the bank managers support we requested a funds return due to the funds not being deposited by the correct payee. I was sent a letter that stated it was too late to request the funds be return and that I should contact the payee directly. At this point I reported the transactions as a fraud case, since Citibank was convinced the monies had been transmitted correctly and the payee claimed they never got the funds. I was hoping that a fraud investigation would reveal the account where the funds were deposited. However the fraud investigation concluded the Citibank had transferred the funds correctly and there was not fraud and that if I wanted to get the funds return I would have to contact the payee. The bank manager then escalated the case to his manager but so far no one at Citibank seems to have the skills to investigate their own database, trace the payment and find the account where the funds are sitting,
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent my complaint Equifax about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FXXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Problem accessing account

I was setting up a XXXX stock trading account. PNC would not allow me to link my bank account so that I can transfer funds.
Complaint sub-issue: Charged too much interest

I have been upset by the high interest rates and high fees of 3 credit cards I have with US bank in addition to the bank 's sudden drop of my credit limits on one visa. Also, I wish to report the non existent customer service of this bank and the only call center employee who ever answers my calls, XXXX. This self hating man is prejudiced, inflexible, and low spirited. He sounds more like a criminal than a customer service person. Last time I spoke to him was tonight XX/XX/2019 around XXXX. But here I will concentrate on other 3 problems. 1- I learned tonight that US bank is charging me over 25 % for one visa, over % 23 for another, and over % 21 for a third because the bank 's assessment is that I dont have the means to pay my debt! If this is the reasoning, then US bank is made up of psychos who hope with higher interest rates on someone with difficult situation, they make sure the person never meets their obligations. Here I am asking that US bank fires such psychos in the underwriting department and hires people who can help us get lower interest rates such as 5 % so we can pay our bills. The other problem of US bank is that it has charged me several times {$38.00} fees for late payments. I want all of that stolen money returned to me. I have indeed never been late. The problem is that the bank considers central time for the closing of its banks as the cut off time while for me living in CA and other States, its difficult to always remember central time. Just like other banks US bank should follow an exact schedule rather than a confusing cut off time. Additionally, in or around XXXX to XX/XX/2019, the bank had a failing website. For example, in XXXX I had completed my payments on the site but later I found out the site wasnt working and my payments never went through. So I was charged {$38.00} and the belligerent call center men in Idaho denied me the return of my dollars even if I had proof of how i was mislead by the site. The third complaint is about the belligerent treatment I received from US bank underwriters who reduced the credit limit of one of  my visas and hiked my interest rates from already high % 17 to higher % 21-25. The  real reason for this increase was that shortly before I had called a phone number on TV promising to help consumers lower their credit card interest rates! Although the phone call was purely informational, and I never intended to hire that company, the US bank acted in retaliation by reducing my credit limit and raising my interest rates. The unethical behavior of US bank employees has disgusted me especially their rudeness to disregard my appeal. Last but not the least, Im asking the company to diversify its customer service to beyond Idaho and prejudiced self hating men in call centers. There are many good people all over US who need jobs and US bank could do much better.
Complaint sub-issue: Talked to a third party about my debt

While discussing the debt the agent repeatedly refused to provide details on the debt until I provided information about myself. They also requested details about financial arrangements with third parties and insisted I provide the information before proceeding.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2020 I discovered that my identity had been stolen. Upon reviewing my credit report, I found that there was a charged off credit card. 

I reached out to the credit bureaus to notify them that my identity had been stolen by sending a letter, a police report, filing a complaint with the FTC, and sending a FTC affidavit to all three credit bureaus. All three denied removing the account because they claimed the account was verified by the creditor. None of them gave me an explanation as to why they would not block it nor how they came to the conclusion that it was verified. 

I reached out directly to the creditor and sent the same information letting them know that I had been a victim of identity theft and they refused to remove the account stating that it had been verified. I requested that the provide physical proof of a contract with my signature showing that the debt was mine and show me the method they used to verify the debt but the disregarded my claim. Instead they sent a letter plainly stating that the account was verified. 

Lastly, I followed up with a Notice to Furnishers of Information letting them know that they are only able to report accurate information and must remove the account if it is fraudulent. They again disregarded my claim and have continued to report the account as verified.
Complaint sub-issue: Debt is not yours

ProCollect is attempting to collect {$1100.00} for a " supposed '' debt from XXXX XXXX XXXX. My husband, XXXX XXXX, and I were both on the lease and on XXXX/XXXX/XXXX we were given a standard travel order to XXXX. We notified the apartment the apartment complex and were told everything was in order when we did the walk through. 

I was not aware this was an issue until we had our credit pulled in order to purchase a home and come to find out this is on our report. I sent the transfer duty to the credit bureaus and to Pro-Collect on XXXX/XXXX/XXXX. They never responded to my dispute so on XXXX/XXXX/XXXX I called them and was advised I could only communicate via email to XXXXXXXXXXXX by a XXXX XXXX and a XXXX XXXX. 

I contacted XXXX and XXXX advised me they received my documentation however I never received a response from them. They stated they responded on or around XXXX XXXX, XXXX and the evidence I submitted was not " suffecient. ''
Complaint sub-issue: Information belongs to someone else

Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX  7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}
Complaint sub-issue: Information belongs to someone else

I have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on Equifax - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on XXXX, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX, XXXX,
Complaint sub-issue: Report improperly shared by CRC

Equifax has allowed unauthorized hard credit pulls. See proof from XXXX and XXXX that they did not authorize the pulls. Please remove XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15
Complaint sub-issue: Frequent or repeated calls

This number or different numbers from the same company pro collect keep calling me and asking for a XXXX XXXX which is not me. They keep leaving very aggressively toned almost to the point of yelling voice messages which are quite demanding for immediate call backs. This is not the number for XXXX XXXX. Ive told this company multiple times and its not the right number. Ive personally on the cell phone number for close to 20 years so Im not sure why they would think this is some random persons number. I am a XXXX  and its gotten to the point where I can not answer unknown phone calls despite being on call and it possibly being another XXXX  or another XXXX  about a XXXX  because it is quite nerve-racking to answer one of these calls. Its always inflammatory despite me not being XXXX XXXX.
Complaint sub-issue: Debt was paid

A purchase was made on a Macy 's credit card approximately four years ago. The purchase was in the amount of about {$40.00}. The charge was paid by personal check through the mail, and did not get posted to the account until several days after the due date. This resulted in a late fee which was more than 50 % of the original purchase. Negotiation attempts were made to settle the fee with no success. The credit company continued to bill the late fee while adding additional fees and interest on top of the fee ( not the original purchase amount ), which ultimately reached an amount of {$310.00} as the balance stands today. The amount trying to be collected is now with a credit agency, XXXX XXXX XXXX XXXX. They are requesting a settlement amount of {$140.00}, but again, the original purchase was paid in full which was just {$40.00}.
Complaint sub-issue: Account information incorrect

The following accounts are being reported by the credit bureaus, and must be removed immediately for violation and inaccuracy : The following accounts have violated my rights : XXXX  XXXX XXXX late payment XXXX  XXXX XXXX late payment XXXX  XXXX Late Payment XXXX XXXX XXXX Late Payment XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agnecy can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) : States no consumer reporting agnecy may make any cnsumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes whch antedates the report by more t han seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A personal shall not furnish any information relating to a consumer to any consumer reporting aggency if the person knowls or has reasonable cause to believe that the information may be inaccurate
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # 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: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX  Account : 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 an account without my written instructions.
Complaint sub-issue: You never received your bill or did not know a payment was due

My complaint is about unfair charges. I purchased a printer from  Bestbuy Store on    XXXX   XXXX ,  2017 , using a store visa card issued by Citi Bank, for the amount of {$190.00}. The store never sent me a bill through email or paper until  XXXX / XXXX / 2017 . The balance becomes {$280.0 0}!, thi s amount includes the printer price + late fee charge + store interest from  XXXX  to  XXXX . There is no alert letter sent to me either. I made a phone call for inquiring. After a long conversation with the  manager  of the customer finance service, he agreeed to lower the bill to {$240.00}! He insisted that he could not reverse to the original balance and also stated that the customer still had to be responsible for the overdue charge  ( {$48.00}. ) It 's very frustrated and unjustified to hear him repeated his word. The store ob viously uses a dirty technique to rip off the customer like me for extra charges since no bill has come to me for 2 months. Please investigate and thanks for your attention.
Complaint sub-issue: Didn't receive enough information to verify debt

I was told by the agent that they hold my debt But the agent could not produce any information to verify my debt.
Complaint sub-issue: Their investigation did not fix an error on your report

In my previous dispute with XXXX ( XXXX XXXX XXXX  credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX  and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XX/XX/XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX,XX/XX/XXXX with XXXX and XX/XX/2018 with Equifax. I  recently pulled my credit report and the only bureau that is current is XXXX ( see attached ). XXXX XXXX XXXX has not updated Equifax since XX/XX/XXXX ( see attached ) and XXXX since XX/XX/XXXX ( see attached ). I am again requesting that XXXX XXXX ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Complaint sub-issue: Account information incorrect

i see i have 3 hard inquiries for credit. 3 are from XXXX XXXX, another that just showed up whith XXXX just recently and 1 with a personal loan. i keep track of my credit as i'm trying to get it up where it belongs. something is seriously wrong when someone can get your info n apply for loans n it shows on your report. as of now i have fair to good credit. but i tried getting these fraudulent inquiries n have no way of removing them. also when you are told it will be a soft pull some companies do a hard pull trying to get you into a hi interest loan which i will not do. i can go to my own bank n get what i need for credit.
Complaint sub-issue: Denied loan

Hi. I hope all is well. I am writing this letter because I need your assistance in my situation with XXXX XXXX. I have applied for a student loan ( Smart Option ) and have been denied despite of having immaculate credit and high SCORE. XXXX XXXX apparently requests a cosigner but the point is that that I have always been taking care of my own issues and never relied on anyone. Age wise I am young but I am very independent, responsible and as I said I have always taken care of my issues myself and have always been successful. I am very persuasive, persistent and conclude everything that I start. I never leave anything halfway through. I dont understand some policies of XXXX XXXX. Student Loan is for people who are young and want to build a currier for themselves, If somebody has enough income to support a medium or big size loan ( As XXXX XXXX Requests ) why he or she should go to school and create a debt??!!! 

I am very anxious to obtain a loan and create a good future for myself and of course with your assistance I will achieve that. Federal Equal Credit Opportunity Act is very clear about loan issues and I believe XXXX XXXX is in clear violation of the said act when they request cosigner for no particular reason. Please assist me to resolve this issue of loan because I am very anxious to start my classes. I am already late due to this tug of war with XXXX XXXX. 

XXXX XXXX already placed TWO credit inquiries within my credit reports and these inquiries created an impossible situation with other lenders. Other lenders do not see the inquiries very favorable and most probably will deny my demand and if they place their own inquiries in my reports there will be further damage to my credit scores and as a result I will be damaged directly. 

I look forward to a positive outcome and if you need further information please do not hesitate to contact me through this email. 



Best Regards,
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This complaint is being made against XXXX, XXXX, and Equifax on XX/XX/19. I checked my credit report on XX/XX/19 and this alerted me to several hard credit inquiries that were not authorized by me. The reporting companies websites clearly indicate that I can not make a dispute for inquiries online, and directs me to call their respective dispute lines. Upon calling them an automated menu walks me through a few basic menus that do not include any options to start a dispute or to report errors, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how blatant of an attempt this is to misrepresent how a consumer managers money just so that we can be constantly categorized as high risk so banks can charge us higher interest. I won't stand for it as a tax paying citizen in this country.
Complaint sub-issue: Problem accessing account

E*Trade gave someone the login information and password to my account. After changing my username and password to prevent this in the future I asked that they close my three checking accounts and open new ones for me. After calling and emailing them for two months this has yet to be completed. Also, after several requests  they have not sent me copies of my bank statements. I am told over and over again that this will be taken care of but have to contact them again and again and again. 

E*Trade should not be giving other people access to my account, but when they do the should resolve the issue without making me contact them dozens of times.
Complaint sub-issue: Debt is not mine

On XX/XX/XXXX, I sold A van I owned. I sent the release of liability to the DMV the same day I sold the van and that was the last I heard. On XX/XX/XXXX I received a notice from a collection agency for tow fee 's, this was the first I was notified of any issues with the vehicle I sold. We 've had a problem in our neighborhood with mail being delivered to wrong address or not all so i 'm not certain that the tow company mailed me something as the collection agency claims as they have not provided any proof of that mail ever coming to me. On XX/XX/XXXX I sent a written letter along with supporting documentation that I sold the car back in XXXX. The collection agency responded and I received a letter on XX/XX/XXXX stating my dispute was not valid and a copy of tow paperwork stating the car was sold for {$170.00}. They are telling me I owe {$1700.00} for storage for a vehicle I clearly sold and have proof I sold it. The collection agency tells me it the tow was for a police impound and where the car was towed from is in close vicinity to the person i sold the car who is listed on the bill of sale. I 'm not certain what happened when I sent the release of liability to the DMV as the car had XXXX License plate I 'm not sure if XXXX forwarded to document to XXXX. What I am positive of and under penalty of perjury I sold the car and followed the steps I needed to take to remove myself from liability. I even cancelled my car insurance. I accepted a job as a flight attendant and moved out of the State of XXXX in XXXX of XXXX. The collection agency told me I need to pay the debt and then sue the person I sold the car to in small claims court. That sounds to me like a sold a car for {$100.00} and now owe {$1700.00} plus small claims and I will be out all that money. This does not seem legal.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!