Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

I have disputed this information with XXXX and of course it came back verified. On XX/XX/2019 original creditor vista village apartments notified me that I had an unpaid balance in the amount of {$550.00} due. My lease ended XX/XX/2019. XXXX XX/XX/2019 at XXXX I made a payment of XXXX towards the unpaid balance. Payment number XXXX. Total balanced left unpaid was {$440.00}. I was not notified by pro collect to collect this debt as well they are trying to collect {$900.00} when that wasnt the original debt owed.
Complaint sub-issue: Reporting company used your report improperly

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Complaint sub-issue: Information is missing that should be on the report

There is an account reporting on my credit report that does not list the name, address, or telephone number of the furnisher it just lists the account # XXXX open date of XX/XX/XXXX, the balance of {$110.00}, and notes that remark that this is a medical debt. According to my research each company that reports to your credit report should provide the consumer with information to contact them.On XX/XX/XXXX I sent a letter to the credit bureau to notify them that this was an unknown account without credit contact however I have not received any response from the credit bureau and the account continues to report inaccurately on my credit report. Please see the attached.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have had Macy 's department credit card for several years. In the XXXX and XXXX timeframes, Macy 's dept. store credit card transferred to an XXXX XXXX Credit Card, without consumer 's knowledge that they were changed the Card Accounts entirely. Meaning, I was paying a dept. store credit card for a few months, but the transfer to the XXXX card was not getting paid. However, I had no ability, notice, or information that MACY 's company new XXXX wasn't being paid. 

First, consumer did not ask for an Macy 's XXXX card. 

Second, I was paying the dept. store credit card as I had been paying in the past months. 

Third, approximately XXXX/XXXX XXXX, I contacted Macy 's realizing this situation of payment confusion from dept. store credit card to XXXX card and vehemently asked the Macy 's rep to ensure that my payment and any late payments be fixed. Since the Rep pointed out the problem that Macy 's transferring billing from store CC to XXXX card, it is not a consumer issue of payments. He credited account at that time and I paid remaining balance in full. 

Today, the credit bureau is showing " one '' late payment which was not a late payment due to Macy 's negligence/lack of duty regarding new XXXX CC 's. I disputed this issue with both Macy 's and XXXX  without resolution or a fix to Macy 's negligent duties. 

Please assist me is this matter.
Complaint sub-issue: Keep getting calls about your loan

Consolidated loan from Nelnet, immediately got a text from https : XXXX. Reply STOP to unsubscribe. 

Scam, jail them all.
Complaint sub-issue: Other problem

When my concerns about my Costco Citicard credit card initially arose a couple of weeks ' ago, I decided to allow a little time for all posted/pending transactions to register in my Costco Citibank credit card account. 
Unfortunately, the perplexing situation, whereby erroneous account balance as well as available credit balance information continues to be a problem today, Monday, XX/XX/2019. Citibank continues to provide inaccurate actual balance and available credit information, continually abusing me, for instance, while at the same time actively involved in unfair and/or unjust practices, banking practices, for example. After my last Costco Citibank credit card payment at an Citibank ATM kiosk, my balance was incorrect ( I, too, realized that perhaps there was a chance that some previous credit transactions had not registered into my Costco Citibank credit card account yet or at least had not registered in a timely manner ). This has been an ongoing problem with Citibank, as often times, Citibank 's automated system/ATM kiosk does not provide up-to-date and/or accurate information. The automated telephone system recently stated that my available credit was approximately {$400.00} an approximate amount less than the actually available credit amount. The deduction of approximately {$400.00} is not shown as a transaction either, making this crime difficult bto track, for example. Essentially, this is someone attempting to steal, a possible scam, a situation that disallows me from accessing all those funds available to me? This scenario is dirty, and again, particularly due to the fact that one ( 1 )  transaction for approximately {$400.00} is not apparent.
Complaint sub-issue: Can't close your account

This complaint is against Best Buy Credit Services- I have a credit card for Best Buy that is issued by Citi Bank. I was a victim of fraud in XXXX of 2021 and I asked my card to be closed and issued a new one. Before I got the replacement card, another fraudulent purchased was made with it. I called Citi Bank to close the account all together. They assured me that it was closed. 

I opened a brand new account for a Best Buy Credit card to not have the same issue. 

I just received notice of a late fee on the account that was closed due to a purchase that I made at Best Buy last XXXX. The account that was supposed to be closed never was and the purchase was charged to the closed account versus the new account. 

We were just hit with a late fee for the account that was supposed to be closed. 

We just spent an hour arguing with Citi bank about this. They admitted that the account was supposed to be closed. The rep ( XXXX XXXX tried to close the account and wasn't able to do so. XXXX 's demeanor was one to refuse to help or listen to our issues, as dismissive as someone can be. He was obviously just reading a script, which had the purpose to frustrate and not fix their error. Citi Bank is making impossible to close this account after multiple attempts. This is just like the fraud scheme that XXXX XXXX had for opening new accounts and not closing accounts for their clients. 

I was not able to close the account yet again. At this point I don't know what to do as I do not trust them to close my account. If they're doing this to me, they must be doing it to countless other victims.
Complaint sub-issue: Trouble with how payments are being handled

I am a participant in the Public Service Loan Forgiveness program. Since 2018, FedLoan Servicing has been placing Loans # XXXX, XXXX, XXXX on administrative forbearance. I have called to remove the administrative forbearance on these loans when I see a billing statement when they are not included. Some loans getting taking out of administrative forbearance and some remain. This has caused me to miss out on as many as 22 qualifying payments for PSLF ( see loan # XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Complaint sub-issue: Attempted to collect wrong amount

NATIONAL RECOVERY AGENCY is falsely reporting debt on my credit report. They are reporting two different accounts ; one in the amount of {$1200.00}, and another in the amount of {$970.00}. NATIONAL RECOVERY AGENCY is reporting both of these collection accounts, to all three credit bureaus with a false original date of XX/XX/2022. Both of these collections accounts are too old to be on my credit report. NATIONAL RECOVERY AGENCY is not legally allowed to report these debts to the credit bureaus according to the FCRA. It is the burden of NATIONAL RECOVERY AGENCY to prove that these collections reports are legitimate and they can not do so therefore these accounts must be removed from my credit report. NATIONAL RECOVERY AGENCY must stop reporting these accounts immediately as they are in violation of the FCRA. 

XXXX has recognized through a dispute that these collections accounts are illegitimate and they have been forcibly removed by XXXX. Please see attached dispute report. 

However, despite this NATIONAL RECOVERY AGENCY is continuing to report false information to the other credit bureaus. 

NATIONAL RECOVERY AGENCY ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NTL RECOVERY AGENCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX Bank. I also will put a complaint with the XXXX. I am questioning account number. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$470.00} } to XXXX on my credit report. I have contacted first premier to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the company has not replied. I have sent numerous letters to XXXX XXXX regarding an alleged debt that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Complaint sub-issue: Don't agree with fees charged

I graduated college XX/XX/XXXX/XX/XX/XXXX. In my entire college career I only took out XXXX loans, each for {$5500.00}, totaling {$11000.00}. With the exception of 1 year differed, I paid on the loan from graduation until somewhere around XX/XX/XXXX. In about XX/XX/XXXX, I was contacted by Citibank, that to avoid a serious increase in payments, due to a change in the law, I needed to consolidate my loan, which I did. Sometime in and around XX/XX/XXXX, I stopped to pay attention to my loan. Again, the orignial amount was only $ XXXX, I had been paying around $ XXXX/month for 7 odd years, yet the statement was saying I still owed $ XXXX. Something did n't make sense. I called Citibank informed them that I believed there was a problem with the accounting on my account, that I did not believe I still should owe any money and requested a full auditing of my account. I was sent some paperwork, but there was no auditing done on their end. I called to question this, and was told that Citibank sold my loan. Since then, I 've requested proof that I owe any money from every single collection agency that it gets purchased from. Every single one refuses. I tell every single one that I do not owe ANYTHING, and if they believe otherwise, they are going to have to prove it. Shortly after, my loan gets sold everytime. I have been a stay-at-home mother since XX/XX/XXXX. All income earned in the home is my husband 's. Yet, our XX/XX/XXXX taxes were withheld in the amount of approximately {$1600.00}. We filed a hardship, and they still kept about {$800.00}! Now, I 'm getting collection calls, AGAIN.
Complaint sub-issue: Account status

This would be the XXXX time that I have send out dispute letters to equifax with exact instruction to investigate my negative accounts and they have send back result telling me that they need more information about my dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Av, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}
Complaint sub-issue: Problem during payment process

We have the Visa Citi Card. 

We set up auto-pay. This month, we were notified that the payment didn't go through. We called to ask what happened. The customer service rep told us that auto-pay cancels after 6 months. We asked where those terms are. She said the agreement. The terms do not appear when you are signing up for auto-pay. Indeed, when I re-enrolled in auto-pay over the phone with her, the disclosure she gave to me DID NOT INCLUDE that in 6 months I would be un-enrolled in autopay. 
I was charged an interest payment because the payment was late. 
These terms are unfair. I think that they should not unenroll you in auto-pay - that only makes it harder to pay your bill! And the fact that you will be unenrolled in auto-pay should be clearly disclosed and agreed to when you enroll in autopay.
Complaint sub-issue: Banking errors

I opened this account because I received their promotion email claiming that I can get {$500.00} bonus after saving {$15000.00} for 90 days, however, I didn't receive any bonus at all after qualifying their terms and after more than 6 months, and their response is this promotion is not addressed to me. How possible this is not addressed to me, it is my email associated with their bank.
Complaint sub-issue: Old information reappears or never goes away

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to request an investigation on the following information that appears on my XXXX, Equifax, and XXXX  credit reports. They have failed to validate the information with all creditors here in this letter and have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 
1. XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX, XXXX $ XXXXAcc # XXXX {$3200.00} XXXX XXXX, XXXX, Acc # XXXX {$4900.00} XXXX XXXX 2. XXXX XXXX Acc # XXXX XX/XX/XXXX, {$44000.00} 3. XXXX  XXXX XXXX  XXXX XXXX Acc XXXX {$750.00} 4. XXXX Acc # XXXX, XXXX, XXXX, XXXX, XXXX 5. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX Acc # XXXX {$1900.00} XXXX XXXX, XXXX 7. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 8. XXXX XXXX Acc XXXX {$4500.00} XXXX XXXX, XXXX, Acc # XXXX {$1000.00} XXXX XXXX, XXXX 9. XXXX XXXX  XXXX {$300.00} XXXX XXXX, XXXX 10. XXXX XXXX XXXX {$2000.00} XXXX XXXX, XXXX
Complaint sub-issue: Received bad information about your loan

I am currently on the PAYE ( Pay as you Earn ) Plan through FedLoan Servicing ( PHEAA ). I was emailed information to recertify my plan and began the steps to do that. A few days after submitting my materials, I received an email that my application was incomplete ( received email on XXXX ). That same day I received an email that I had a direct debit payment of almost twice my normal payment scheduled to come out on XXXX. I immediately went to the website to see what was going on. On my main page it was listed that my payment due on XXXX was {$0.00}, but that a direct debit for {$180.00} was scheduled to be taken out. I had never scheduled more than {$100.00}. As I was on the website, I kept running into errors and it kept booting me off. I went through my paperless inbox, where I received yet again DIFFERENT information ( that a payment of {$160.00} would be taken out on XXXX/XXXX/17 ). I called up the customer service hotline and spoke with a representative that same day because I was getting frustrated and worried about the security of my information on their website. The customer service representative tried to be helpful and recommended we suspend the next direct debit, even though she believed it was just a technical glitch on the website and that money would not be withdrawn from my account. She told me that they were having a lot of technical issues on their website and did n't know what else to do, she was sorry for the inconvenience, etc, but that they had a lot of problems. She also reassured me that my application for recertification was complete. At the end of our conversation she assured me I would receive an email specifying that my direct debit suspension had gone through within 2 days, and another email that my recertification was processed before the XXXX. Today ( XXXX ) I had still not received confirmation and so I went onto the website yet again. This time, I was slated to have a {$100.00} direct debit on XXXX. Yet again, while trying to navigate their portal, I encountered several errors and was booted 4 times within 15 minutes. I was finally able to cancel the direct debit through the site and received an email seconds later confirming.
Complaint sub-issue: Information belongs to someone else

This is an attempt to correct my EQUIFAX and XXXX  credit reports. On XX/XX/2019 I identified a fraudulent and unrecognizable account on my credit report that had been opened without my consent. Please block listed account below : XXXX PERSONAL LOANS I am requesting the account to be removed permanently from my credit reports. This account is fraudulent, unverifiable, and violates my consumer rights.
Complaint sub-issue: Deposits and withdrawals

Made a deposit on XXXX XXXX in the afternoon, bank is holding it until Thursday XXXX XXXX because I had {$2.00} in the account and made a deposit. So due to me spending money in my own checking account, and then depositing a payroll check from XXXX XXXX a hold was placed on the check. So the excuse is invalid because I 'm only using my banking account how I see fit ; within their guidelines, even. I 'm not sure the last time a multi-billion dollar company bounced a {$360.00} check, so there 's no reasonable doubt to be had. So there 's no legal reason to have had a hold placed on the deposited check. Even though it was deposited online, according to the " Check XXXX XXXX '' even an electronic image is handled as a real check. The excuses are bland, murky, and have no place being thrown around in what should be a professional, efficient environment. It 's completely illegal to do this in the first place, according to the " XXXX Funds XXXX XXXX ''.
Complaint sub-issue: Investigation took more than 30 days

My name is XXXX XXXX I have sent dispute letters to XXXX Equifax and XXXX and I also sent a 30 day demand and comply these credit bureaus are report inaccurate information and have not sent any results at all.
Complaint sub-issue: Trouble with how payments are being handled

FirstmarkXXXX  does not process loan payments correctly. I pay a small amount on the loan each day, to pay off the daily interest and some of the principal. I pay the amount at the same time in the morning of every day. 

The company does not process the payments in the same way every day. Sometimes I am charged random interest, on top of the daily interest. 

When the loan was owned by XXXX XXXX I did the exact same payment plan- never had a problem. 

This has been happening since 2020. I can not get the company to remedy the situation, and I am owed XXXX of dollars in interest that Ive been incorrectly charged and paid.
Complaint sub-issue: Contacted your employer

One of Bridge Lending Solutions ' representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XXXX XXXX, 2022 at approximately XXXX XXXX  PST, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX. 

Furthermore, the telephone that Bridge Lending Solutions called was located at the receptionist 's desk. XXXX ( no last name provided ) left a message with the receptionist for me to call them back and disclosed that it was in relation to a debt. 

I know my rights and I know that publicizing a debt by contacting a borrowers employer is considered a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692 et seq. If this happens again, I will be forced to contact the police.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.