Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

In XXXX I received a voice mail from the " Litigation Department of Cohen And Associates.Stating That XXXX Bank was taking me to court that week and once a verdict was found against me my wages could be garnish and even bankruptcy would n't relieve me from the debt. So I called Cohen & Associates and was transferred to the " Litigation Department '' and a very authoritative XXXX XXXX XXXX, tells me that unless I make a payment immediately his lawyers were going to go before the judge and get my case on the docket. I have a settlement letter from him saying that XXXX bank is suing me for over {$4000.00} ... The original debt, plus interest plus, & court fees. I do n't know how to get representation XXXX, XXXX where XXXX XXXX XXXX told me my case would be presented XXXX, when I now live over XXXX miles away. So I begged and borrowed and came up with {$1000.00} and settled the debt with XXXX XXXX Bank. Then to my surprise I begin getting multiple letters from other collectors collecting on this same account. I send them my settlement letters and they ca n't understand why I paid XXXX when my total debt is only XXXX. I finally get in contact with Cohen and Associates, but no XXXX XXXX XXXX this time, only to be told that there was a clerical error, XXXX XXXX XXXX had entered the wrong account on the paperwork, the {$1000.00} settlement really being applied to a XXXX account from 2007 and he will gladly send me an updated Release of Liability With the correct account number. I understand that I may owe XXXX but Cohen and Associates did n't even own the XXXX Account so how could they represent it on their paperwork. Not once in any of my communications with Cohen Associates was XXXX mentioned. I believe that i was threatened falsely, grossly misled and right after I made this payment I got a letter from another collector offering a settlement on the same XXXX account I was told I had settled for XXXX. At that point I could n't pay anyone anything, and now that settlement offer is no longer available, I believe I was done so wrong and Cohen and Associates grossly misled me and something needs to be done.
Complaint sub-issue: Their investigation did not fix an error on your report

My student loans were consolidated in XXXX to XXXX XXXX XXXX XXXX. They have reported 3 months of late payments that were not late payments. I am attaching the forbearance letter. Also, the amount of the loan is incorrect. I joined the XXXX XXXX XXXX on XX/XX/XXXX. I was XXXX XXXX from that date until XX/XX/XXXX attending boot camp my trade school. I switched to the XXXX XXXX on XX/XX/XXXX. XXXX XXXX and XXXX did not make sure my loans were all below 6 % as per the Servicemen 's Civil Relief Act.  therefore, my consolidated loans need to be re-calculated correctly. I told XXXX XXXX and they sent me a letter stating that I did not meet the requirements because of the dates of the loan. that is incorrect due to the fact that I received the loans before my XXXX XXXX military service. My student loans started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two loans on XX/XX/XXXX, The loans were on forbearance. I have been disputing with XXXX, Equifax, and XXXX  since XX/XX/XXXX, and they all have come back and said that information has been verified each time I dispute it.
Complaint sub-issue: Didn't receive enough information to verify debt

Hello, I received a call notifying me they were attempting to collect a debt. I told them to not call me and to send something to me in writing. I have yet to receive anything in the mail, but have seen where they are going and reporting this to the credit on a monthly basis. This is unacceptable.
Complaint sub-issue: Information belongs to someone else

To whom this may concern My name is XXXX XXXX, and I am wiring this statement on my own behalf. I recently discovered that I am a victim of identity theft. My reports reflect inaccurate things. My identity was used to obtain Finacial services and goods. I request that the listed items in this report and statement be removed immediately. Accounts opened without consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ADDED WITHOUT CONSENT : XXXXXXXX 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: Information belongs to someone else

Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. so I'd like to report this to ask for help in restoring my credit.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a cash app card. I have tried to contact them 4 or 5 times. All I get back is an email saying they will investigate my claim if I tell them who, when and where and how much they took. I have forwarded all this information to them 3 times now. No answer from anyone. Someone hacked my cash app card, and withdrew {$93.00} and tried to get more, but that was all that was on it. I sent them the names and pictures and the amount they tried to get. This took place back on the XXXX of XXXX. I feel like they are giving me the run around,
Complaint sub-issue: Account status incorrect

I have contacted XXXX formerly XXXX explained this account was settled and closed. This account has {$0.00} balance. This account with XXXX formerly XXXX has been settled and closed, but is still on all 3 of my credit reports. This account was paid fully by the insurance company upon repossession. Therefore this account needs to be removed Immediately! Therefore you are reporting false information on my credit. 
As a citizen I have a RIGHT to have a accurate credit report, but as a CONSUMER congress gives me a right to dispute inaccurate information on my credit profile.

15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Complaint sub-issue: Fees charged for closing account

On XX/XX/XXXX I tried closing my account at PNC Bank. I withdrew my money and started an online chat with their customer service to close the account. Apparently the account was not closed and I was charged a {$25.00} fee the next day because the account went under the required balance. 

After realizing the situation I called PNC on XX/XX/XXXX and they refused to credit by account for the service charge and also refused to close out the account. They also said I would continue to be charged {$25.00} a month as the account can not be closed with a negative balance due to the fee I was charged by them not closing my account in the first place.
Complaint sub-issue: Funds not received from closed account

On Tuesday XX/XX/2022 I was informed my account was closed at FirstBank Holding Company. I was asked if I wanted my funds mailed or picked up, I said I would pick them up. I went in early today ( Friday XX/XX/2022 ) and was told everything was on hold. After about XXXX minutes I was requested to talk to a guy named XXXX who asked non-important questions and refused to forward conversation on my funds in my closed account. I ended the conversation amicably, drove home, reached out to the representative who I first spoke with, XXXX, and asked her to mail me the checks. She informed me that until XXXX releases the funds she can not do anything. As of XX/XX/2022, FirstBank Holding Company confirmed XXXX account closing balances. The oldest account had a little over XXXX XXXX XXXX XXXX ( {$20000.00} ) and the second account had a flat XXXX XXXX ( {$10000.00} ). I was told nothing the holdings were completely removed on XX/XX/2022, and those balances were final. On Friday, XX/XX/2022, all the events I spoke about above, occurred, and FirstBank refused to give me my money.
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX   XXXX ,  2017  I submitted letters to  XXXX  requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.      XXXX  addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.
Complaint sub-issue: Problem with fees

I have the BestBuy Store card by Citibank. As of XX/XX/XXXX, I had XXXX non-payments no interest purchases, of which XXXX ended on XX/XX/XXXX. In my online account, it tells me what the total due is for each XX/XX/XXXX payoff balance. I was told by several of the bank 's agents that if I make an exact payment that matches the payoff amount of a transaction, the system knows how to pay that off. I had tried that several times and found that is not the case and called back over and over. On XXXX, I made a payment of {$92.00} ( the exact amount of one of my no payment no interest purchases ). I waited for the account to update, but it does not update in real-time nor before the end of the month according to the agent, I spoke w/because it wasn't wiping out that transaction in my online account. The female agent that helped said she made a note about that. She then asked if I was going to be paying off the other 2 outstanding. I had one that was under {$100.00} and one that was {$690.00}. I told her because the {$690.00} had the highest interest penalty, that I had planned to pay that one off for sure, she said that she told the system that a payment of {$690.00} was to be allocated to that {$690.00} promotional balance. A {$690.00} payment was made on XXXX satisfying the {$690.00} promotional balance, I called in on XXXX and spoke with a gentleman, who told me he sees a {$690.00} allocation 'trigger ' was set up by the last agent. That agent told me that I now actually only have one promotional balance unpaid on my account and that was the one that ends in XXXX XXXX for {$2100.00}. I did not believe the agent so I made an additional {$82.00} payment while on the phone with him. Now that the month ended everything came to light, except somehow 2 of my promotions are not paid off owing {$82.00} and {$10.00} or so, yet online right now it tells me I owe {$1.00} and XXXX cents. I just spoke with a regular XXXX agent who transferred me to a super named XXXX, who thought it was not Citibank 's responsibility to have his agents provide correct information and that everything falls on the customer, so I asked for his supervisor, he transferred me to XXXX, who seems like she understood the issue, could see where errors were being made and is providing me with a credit that should correct this issue. Here is the problem, Citibank does not provide or give customers any real-time data to know where money is going to, or what money is owed on a XXXX interest promotion, I think they purposely set it up so that customers can't actually pay things off to avoid interest payments, otherwise, why would such a large company like Citibank, not have a system that shows real-time and accurate allocation information to the customers. Something else is going on here and Citibank needs to be looked into.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 XXXX XXXX # XXXX XXXX XXXX  # XXXX 1.5 USC 1681 section 602 states i have right to privacy. 15 USC 1681 Section 602 its also states a consumer report agency can not furnish a account without my written instructions. 15 USC 1681c [ a ] Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681S-2 [ A ] a person shall not furnish ant information relating to a consumer to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2018 I received a collection notice from Grant & Weber , Inc collecting on behalf of XXXX XXXX, XXXX, a physician from whom I have never received services. I sent a letter dated XX/XX/2018 requesting validation of the debt. I never received debt validation nor a response to my letter at all. I gave the traditional 30 days to respond and they did not. Instead, on XX/XX/2018, Weber & Grant , Inc reported this debt as a collection account to XXXX, thus damaging my credit, with no proof of validation of the debt prior to reporting. My letter to them is attached.
Complaint sub-issue: Problem during payment process

We are XXXX XXXX. We used the card to purchase items for a job performed in Colorado ( live in wv ) from XX/XX/XXXX to XX/XX/XXXX. When we got back home and got paid for the job we called call center and wanted a balance so we could pay off. They gave us a balance of XXXX. We paid that balance by ck. number XXXX. On or about XX/XX/XXXX we received another bill that was pass due with a whole different account number. We tried calling over the next few days to get info and finally got a hold of someone. They told us what the charge was and we agreed that it was a charge for items we had purchased. Although they couldn't tell us how the ACCOUNT GOT OPENED it was for an item we had purchased. We made arrangements to pay, close the account and the company agreed to drop the late fee because of the confusion. That check was mailed on XXXX and was ck # XXXX which brings us to this morning, XX/XX/XXXX. I received a call form citi bank collections stating that I needed to pay immediately. I told them the story and asked to speak to a supervisor. this is where my complaint comes in. There is no recourse for employees not leaving notes on accounts. There were no notes of when I called in XXXX or XXXX. They never started taking notes on the account until I started requesting employee id numbers. It is a web of transfers that will never get you to any result. If you start catching on your are hung up on. I got hung up on 4 times. After the fourth hang up I began to have an understanding of what was going on. If the collections team didn't like what you had to say they hung up on you. Customer service was no different, I got hung up on there too. I spent 4 hours trying to get to someone that would take my complaint. I have all the names and employee id 's of the people i spoke with.I have closed both my accounts with Citi Bank and would like someone to contact me to speak further on the matter from your organisation. At this point I'm not worried about the bill, I know it will be paid, but the process that business is being performed at the call center needs to change. I will no longer support citi bank but its because of the employees, not the services provided.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Us Dept of EdXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

on XX/XX/2018 my SSI loaded XXXX debitcard issued by XXXX XXXX bank [ in XXXX XXXX tx. ] ... was defrauded of a {$700.00} withdrawl. 

after repeated attempts to report this i finally recieved, filled out and returned their " Questionaire of Fraud Report '' ... returned by mail.XX/XX/2018 [ to XXXX ] .... 

i have recieved no further communication of any kind ... 
today 's date is XX/XX/2018 enclosed are photos of the questionaire of fraud report ( Card number submitted in this complaint is old { cancelled } card number ) New card has been issued.
Complaint sub-issue: Frequent or repeated calls

IM TRYING TO GET A DISCOVER TO REMOVE CHARGE OFF FROM MY CREDIT REPORTS, I HAVE NO CONTRACTUAL AGREEMENT WITH THE COLLECTION COMPANIES XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXXXXXX XXXX  AND THEY REPORTING NEGATIVE INFORMATION.
Complaint sub-issue: Debt is not yours

On  XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX   pl aced a collections account for {$1200.00} on my credit report. This account is the responsibility of my father and does not belong to me. This is the second time the account has been placed on my record, even after the issue was previously resolved through the CFPB in  XXXX .    XXXX   XXXX   XXXX   has  once again placed this false debt onto my report, and without written notice or validation. This account has been disputed through the credit bureaus in  XXXX  and was removed from  XXXX , however NRA refused to remove the account from  XXXX  and  XXXX , therefore knowingly and willingly leaving the incorrect information on my account.
Complaint sub-issue: Trouble getting, activating, or registering a card

PrepaidDigitalSolutions is not honoring a prepaid card issued by XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing this account with Equifax for showing it Charged Off over and over and they continue to report false information and continuously change and update the information. This is falsely manipulating the statute of limitations.
Complaint sub-issue: Unable to open an account

I have tried to open up an online savings account with discover bank. I am getting a job in a few days and needed it to save money. I have tried since XX/XX/XXXX. They never emailed me back. I called 2 weeks ago and say one up and finally got it opened. It was opened for 1 day and then closed due to a business decision. I don't want this to affect me in any way. All I was trying to do us open an account. After calling the discover bank number they told me they couldn't give me any info but they I could reopen another application. I am not happy with them as all it is is a simple account. I didn't even get to transfer any money into it.
Complaint sub-issue: Account status incorrect

Equifax Errors for Not Cross Checking the Dates to Resolve Incorrect Data. 


Equifax Failed to Correct Their Misreporting to My Credit File as the Dates of Last Payments Conflicts with Dates of Major Delinquency. 

Issue One 1 ) the Account under XXXX XXXX XXXX XXXX Account XXXX, Reported Date of Last Payment to Be XX/XX/XXXX and the Balance Is XXXX. Thus the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Thus Is Incorrect. 

The Delinquency That Was Reported on XX/XX/XXXX Is Correct as the Account Was Charged off on XX/XX/XXXX and Paid on XX/XX/XXXX Whereas, the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Is Incorrect and False and Misleading as the Last and Final Payment Was Made on XX/XX/XXXX. In Addition File Is Rated NR. 

Issue Two 2 ) the Account under XXXX XXXX XXXX XXXX Account XXXX, Reported Date of Last Payment to Be XX/XX/XXXX and the Balance Is XXXX. Thus the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Thus Is Incorrect. 

The Delinquency That Was Reported on XX/XX/XXXX Is Correct as the Account Was Charged off on XX/XX/XXXX and Paid on XX/XX/XXXX Whereas, the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Is Incorrect and False and Misleading as the Last and Final Payment Was Made on XX/XX/XXXX. In Addition File Is Rated NR.
Complaint sub-issue: Information belongs to someone else

I never applied for this companies, never received benefits. 
I didn't sign any contracts or agreements with this companies.
Complaint sub-issue: Investigation took more than 30 days

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.