Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I was selling an XXXX XXXX XXXX XXXX on the XXXX XXXX on XXXX about three weeks ago. I submitted the condition of the phone, the name of the phone and the asking price for the phone. One particular consumer submitted interest in the phone and stated that he wanted to purchase it. Upon further conversation through XXXX, we both agreed on the details for the purchase of the phone, which was {$700.00} USD and that once the consumer submitted his address to where the phone was to be shipped to, I would then take the phone to the XXXX XXXX XXXX XXXX, have it mailed off and then submit a photo copy of the receipt and tracking number to the Cash App Center to have my funds submitted to my account. I held up EVERY aspect of my side of the commitment to the selling and delivery of the phone and I have yet to this day, received any money for my phone. I received an email from Cash App stating that they have submitted money to my account and I HAVE NOT RECEIVED ANY FUNDS! Further more, Cash App then stated that the reason for the delay of my not receiving any money was due to the fact that the denomination of money was too low for me to receive any money. So then Cash App claimed to have gotten in touch with the buyer of the phone and to inform him of this problem and that the buyer would need to submit at least {$500.00} more USD in order for me to receive any money. I was then told that the buyer had done so and submitted the extra money requested and required for me to receive any money. Then I was told that I needed to refund the extra {$500.00} USD back to the buyer of the phone in order to receive the original {$700.00} USD. I have never received NOT ONE SINGLE PENNY OF ANY MONEY AT ALL! And now I have been threatened by the buyer and Cash App about this ordeal and told that I would be sued and sent to prison for this. I have also received a threat by email from what was supposed to be the FBI, stated that I need to relinquish the funds or be sent to prison. I truly believe that this is all a fraudulent attempt at obtaining a free phone from me and that the whole ordeal was fraudulent! I believe that the Cash-App statements are false and that the FBI emails are false. I don't know how to go about proving this and need help in this matter.
Complaint sub-issue: Company closed your account

Home Depot closed my credit card in XX/XX/XXXX due to inactivity. I did not receive any notification of this closing. I contacted Home Depot to reactivate my card and now they are unable to do so. I feel this is very unfair as I have no late payments or negative history with them. Please make sure you keep you card active or they will just close you down and offer no further solutions.
Complaint sub-issue: Information belongs to someone else

XXXX pd officer ftc violation I want removed The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Complaint sub-issue: Account status incorrect

On XXXX XXXX, 2012, Ally Financial mailed a letter correcting its credit reporting errors and contacted all three major credit bureaus as well. However, five years later, Ally has again reported the inaccurate and previously corrected information to all three credit bureaus. This time, Ally wrongfully caused me to be denied a 0 % auto loan from XXXX XXXX.
Complaint sub-issue: Threatened or suggested your credit would be damaged

PNC Bank herein stated as " The Company ''. The company stated online and i have a saved printed copy that my next car payment will be on XX/XX/2020, now it appears that i have to pay immediately and/ or will face negative action.
Complaint sub-issue: Contacted me after I asked not to

This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.
Complaint sub-issue: Didn't receive advertised or promotional terms

my cash app credit card didnt apply the discount it offers. 
i made a couple purchases with my cash app credit card and applied a discount it offers when purchasing from different businesses. on both occassions the boost, or discount, was not applied. i tried to get my refund or boost from cash app but all they they did was send me an email with directions on how to use XXXX  and that they could not longer help me and were closing the case. I have used the XXXX  many times successfully and am aware of how it works. for some reason it didnt this time and i would like to refunded the discount it promoted. 
the complaint made to cash app is referrenced ref : XXXX : ref
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a collection on my credit report in the amount of  XXXX  dollars with  XXXX   XXXX . This dropped my score over  XXXX  points. It is making impossible for me to get new credit. Its unfair that Equifax is singling me out and not abiding by the New York Attorney General settlement. I was never notified of this collection. A  XXXX  dollar balance? Why would i not pay that. I refuse to pay a collection company money i do not owe. When i talk to my medical provider i do n't owe them a dime.  <P/>   Medical colle ctions  are notoriously inaccurate.  Information  is bought and sold numerous times. I 've also never been contacted by this company. How can you report something on my credit report that is not mine?  <P/> Finally, Equifax should be more consumer friendly. More understanding to how their false reporting affects consumers.  XXXX  dollars? Why would n't you just remove this instead of having to deal with a complaint or better yet a lawsuit where they will be paying me thousands of dollars.  <P/> Equifax should be investigated for their inaccurate reporting.
Complaint sub-issue: Reporting company used your report improperly

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Account status incorrect

It's an educational account on the credit got consolidated back in 2005. When I request my report it is still showing on there. Actually this 1 report have 3 different addresses for Dept. Of Education. The section for XXXX takes up 2 pages and they told me they don't report this to credit bureau. Its nothing on there that's relevant and " timely '' so I'm concerned this is not my new updated report. One that I could definitely use ( for my benefit ) especially during this economy, with all that's going on.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX my husband opened a debt collections letter from I.Q. Data International , INC. address only to him. This was dated on XX/XX/XXXX with no post day on the envelope. The following business day XX/XX/XXXX I immediately called to dispute the debt and to clarify what steps would be needed. The letter stated that to call or write by XXXX to dispute the debt or any information that was not correct. The letter also did not clarify the original creditor and was only identify the name of the building. This debt is from unpaid cleaning and move out costs from the property management company that needs to be verified, not the name of the building. The associate, XXXX told me that the date on the letter did not mean anything and threaten that after this phone call he would go right to his manager and send this to unpaid accounts that would effect my credit score.

We sent in our dispute letter that clarified the dates that I received this notice, however, I still NEVER directly received any notice of unpaid debts, or that this was in collections. We sent in a written letter as well expedited to signature verify by the date on the notice of XXXX. Since this letter was not received with no postage mark on when it was sent, we asked the 30 days from the time I called in to immediately resolve. 

They sent this to the credit bureau that now negatively impacts my credit rating as well as my husbands. I have additionally filed disputes with the credit bureau and have been in constant communication with both property management companies to resolve this original creditor. Both management companies now do not have record of any open outstanding accounts. I respectively would like this to be reversed from my credit so I can resolve whatever outstanding payments are needing. 

Furthermore, I have emails from almost 2 years ago from the property management company that billed our account incorrectly and admitted to the wrong doing offered a negotiated priced. The account the debt collections is billing for is the full amount and not negotiated amount, probably due to the fact the management company has has multiple turnover and can not keep accurate records of billing. They have told us there is no open account at this time which I'm continually looking into.
Complaint sub-issue: Information belongs to someone else

We have been victims of identity theft. I never even use my credit and there is a rental property collection account on there. This is literally the only account on my credit report and I have no idea what this is in relation to. The account appears as national credit systems for {$3500.00} which is outrageous. I would like your assistance in getting the credit bureaus to recognize this account as fraudulent and have it removed.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX XXXX, I contracted with a credit repair company and set out on a journey to repair my credit. I could tell there were things on my report that I did n't know what it was or who it belonged to. Multiple items were deleted and I continued to work on my report and scores. In XXXX XXXX, XXXX new items from Grant & Weber XXXX XXXX appeared on my Credit Bureau Report under derogatory marks. When I went in to investigate it, they were all from XXXX XXXX, XXXX and the original creditor was XXXX XXXX XXXX. I did n't have any knowledge of doing business with this company in XXXX or before, so I disputed the charges. XXXX of them were deleted but the XXXX largest charge was deemed valid. I 'm not sure how one can be valid and not all of them or how one can even be valid when I have no knowledge of the company. On the credit report it shows that I have paid XXXX % of the debt off. I guarantee, I have n't paid XXXX or Grant & Weber a penny, so that information is incorrect as well. I would like to see some sort of proof where I signed for the goods that I supposedly received from XXXX XXXX, what type of supplies it was & proof of a payment that was made by me. I believe all of this to have been placed on the wrong person or SSN.
Complaint sub-issue: Reporting company used your report improperly

XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & ACCT # 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 XXXX XXXX  XXXX  XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  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 XXXX  XXXX  XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) THIS ACCOUNT DOES'NT BELONG TO ME/NEITHER I KNOW ABOUT THIS ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  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 XXXX XXXX XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  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 THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX ) ACCT # XXXX THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account 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 XXXX  XXXX OPENED ( XXXX XXXX ) ACCT # XXXX ACCT # XXXX THIS ACCOUNT DOESN'T BELONG TO ME PLEASE REMOVE IT In accordance with the Fair Credit Reporting act XXXX  Account # 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: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2023, I reached out to Cash App to dispute a charge that I made on my card. 
( I reached out the XXXX several times via phone and email to no avail ) On XX/XX/2023, I received a notification from Cash App that the dispute was denied due to the merchant rendering the services provided. 
On XX/XX/2023, I requested the documentation that was used in the decision. When I received the documentation, the transaction stated that this was a rent payment, which is incorrect. 

The transaction was an administrative fee to hold the apartment for a complex that I was applying for. My application was denied so I contacted the apartment complex to refund the administrative fee that was paid to hold the apartment. After reaching out to the apartment complex and management company of the complex both via email and phone and not receiving any answer, I contacted Cash App since the transaction was made on the Cash card that I hold with the company. Cash App has denied my dispute and the reason they have given for the denial does not match the circumstance.
Complaint sub-issue: Information belongs to someone else

there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX   XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Complaint sub-issue: Debt was paid

The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency. I understand that the debt has been removed from my collection but during the time it was on my credit report it caused me financial damages over {$500.00} I am seeking for the debit collection agency to pay for the damages it had caused.
Complaint sub-issue: Information belongs to someone else

Im receiving a bill for credit card that is not mine! And also shoes on my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

I.Q. data international had false info put on my credit report, failed to validate the dang and repeated harassing phone calls
Complaint sub-issue: Deposits and withdrawals

In XXXX  I deposit cashier check ( XXXX  ) in the BANK OF THE WEST in XXXX XXXX by XXXX ( MANAGER ). 
I have the receipt is done in XXXXXXXX XXXX. 
Today XXXX The money is not my account. 
I don't receive the check back. 
I don't receive the money back. 
I send XXXX email I send XXXX  fax and I go in person to the Bank. 

I need your help to recover my Money. 

Thank You XXXX XXXX cell # XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1000.00} DEPT OF ED/XXXX XXXX {$4100.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried numerous times between XX/XX/XXXX and now to get Equifax to correct a debt collection from XXXX XXXX. I am unable to submit documents through their MyEquifax website and their phone representatives are unhelpful.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXXXXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- US DEPT. OF EDXXXX # XXXX -XXXX XXXX XXXX XXXXXXXX # XXXX -- XXXX XXXX XXXX XXXX*** -- No Acct Name # XXXX -- No Acct Name # XXXX -- No Acct Name # XXXX -- XXXX XXXX XXXX -- XXXX XXXX # XXXX*** 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: Other problem getting your report or credit score

Equifax dropped my score over 40 points Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 XXXX just did the same thing And XXXX No reason given how can a score dropped over 40 points in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score Thank you XXXX XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Hi Sir, I am a retired citizen and live on social security and can barely pay my monthly bills. I worked par time XXXX XXXXXXXX but due to cover pandemic alert and my XXXX health I am unable to work at XXXX. Discover card debt collectors are harassing me daily 8 to 10 times daily. I want them to stop Harassing me. If you could help me. Thanks. My phone number is XXXX XXXX XXXX. Tell them to stop calling me immediately. Thanks XXXX XXXX
Complaint sub-issue: Debt is not yours

I have disputed with them that the account is not mine. I'm in my 2nd round of disputes currently and they still have provided me an original copy of a bill. Nothing with my signature on it, a copy of my hippa form or anything to prove account is mine. They sent a copy of a document that is not an original bill, proof that have the right to collect this debt and copies of my signature with HIPAA form. They are clearly in violation.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to complain about all three credit bureaus - Equifax, XXXX  and XXXX.All three are reporting a bankruptcy on my reports that is not accurate. I have disputed thebankruptcy with XXXX and the courthouse. XXXX can not verify it and has deletedit. The three bureaus are terrible! They don't even respond to written disputes that aremailed certified. They just ignore us out here in Main St America. I have sent letter and theseare just the latest.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in XXXX, XXXX and Equifax. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO score reduction.
Complaint sub-issue: Account information incorrect

Good afternoon I am writing to file a complaint about XXXX XXXX credit card. I have two XXXX XXXX credit cards. I am very frustrated with there credit reporting. I have mad multiple disputes about showing two late payments for the same two months on both of my cards which is inaccurate and I also just paid off these cards and one card showed the balance went to {$0.00} after I paid it then two days later back up to {$310.00}. Their credit reporting is very inaccurate and frustrating and is hurting me as a consumer damaging my credit for their inaccuracies that they will have yet to fix multiple disputes later. I would like my balance to show my REAL balance of {$0.00} since I paid them off and to remove the two late payments off of both my credits cards right away.