Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

As I stated earlier Macy 's is lying about sending me mail to notify my of late fees. While my address was new and the new address was not on file my old address did have a forwarding address where mail could be sent to. I did in fact get one mail to that address on the month of XXXX. That mail was notifying me of the account closure. Prior to that I never received mail in XXXX, XXXX nor XXXX notifying me of any late payments. After trying to pay over the phone the agent hung up on me after an hour long hold before I could pay off the card. So the following week I went into the store to try and pay off the card and make another purchase. I was under the impression that the card had already been paid off. Macy 's deliberately withheld statements from me notifying me of late payments and did not allow me to pay on time. This is a billing dispute and bank error despite what Macy 's credit card wants to believe. According to https : XXXX XXXX  " Types of Billing Errors '' the company failed to mail you a periodic statement.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022. My checking account was hacked of the amount of {$400.00}. I received an email and text messaging letting me know that I had a XXXX transaction to some guy I have never heard of. I contacted the bank and they put in a claim. They closed the claim and said I did the transaction. I disputed the claim again and this time I reported them to the XXXX and to the Ethics committee of their bank. Their XXXX XXXX XXXX XXXX XXXX XXXX has found that my Citibank account was frauded and hacked. He sent over his investigation stating that my bank account was hacked and my money should be returned. Citibank refuses to return my money.
Complaint sub-issue: Account information incorrect

So this is a closed account it clearly shows charge off. But at the same time its says open. But I says amount due XXXX. But its open seams to mean that this is an inaccurate reporting. And it shows no last due which would mean it should show current. This is an inaccurate reporting and this account either 1. Needs to be deleted totally from my credit all there agencies or 2. Shown as current all the way across the board. Either way they are being allowed to report inaccuracies on my credit which is gendering my credit. Please update or remove.it says date opened was XX/XX/2021 that is incorrect as I do have one with them that is current. Please have them to supply you and me with documents that I signed this account to be open on the date that they have reported. It does not exist
Complaint sub-issue: Threatened or suggested your credit would be damaged

I got a phone call from IQ Data International in an attempt to collect a debt this morning XXXX XXXX at XXXX am regarding a {$250.00} charge that I owed to XXXX at XXXX XXXX XXXX. I was a resident at XXXX ( Located at XXXX XXXX # XXXX XXXX, XXXX, Ca XXXX ) for a period of 13 months, and moved out on XX/XX/2020. According to IQ Data international, I owe {$250.00} to XXXX and now my account has been sent to IQ Data to be collected. I had already contacted the XXXX at XXXX XXXX XXXX XXXX  about this matter on XX/XX/XXXX asking them to call me back because I disputed the charges and did not understand the charges. XXXX has wrongfully charged me for 1 day extra on that bill, claiming they did not get the keys from me until XX/XX/2020. Also, they claim that I have not returned all keys to them so there is a lost key charge ( {$50.00} ). There are some additional charges on the account that I was never told and I never agreed on when I had the manager over for the final walk through of my apartment. 
XXXX management has changed multiple times during my 13 months stay, and there is always a mismanagement of that place. XXXX owes me {$1500.00} for a client referral and has not paid me as of today. They referred my account to IQ Data International and this company called me this morning and the guys were super abusive on the phone. They were yelling and threatening me to pay or they will hit my credit asap. I told the guy I disagree with the charges and I am disputing and he started raising his voice and started became very hostile and abusive. Then I asked for a manager and XXXX came on the line and he was even worse than the first guy. Raising his voice yelling and threatening he will hit my credit and I must pay now. I told him I will be going to the XXXX to resolve the issue and he said they wont see me or they wont talk to me, which was not true. I went in and tried to talk to the new manager and they are gon na look into my case.
Complaint sub-issue: Account status incorrect

So i filed a dispute with equifax on XX/XX/XXXX for which i got an email saying 5-20 business days. 
After 21 business days i began calling. 
I was told they were having technical issues with their dispute tools and they couldnt help me. 
Day 2 i asked for a manager and was denied saying only a callback was an option. 
I accepted, but never received a call. 
Day 3 i was told the technical issue was around 3 weeks now. 
Day for i was told over a month. 
Fast forward to today, i called and spoke to an agent, said call backs were a lie and i wanted to speak to a supervisor now, she hung up. 
Called back. After 1 hour i got a manager XXXX, who told me the tools were working again, they he pulled up my info and said, oh sorry THOSE tools are NOT working. 
I got frustrated and asked why he lied, he said 'dont yell at me ' i told him i wasnt yelling. 
He said ' Sir you can not yell at me have a good day ' and there was silence. 
I said 'If you hang up i will have you fired '. 
He remained silent. 
I said ( after assuming he hung up ) 'OH MY XXXX, YOU XXXX XXXX ' To which he responded ' you cant say that, have a good day ' and hung up. 
This is unacceptable behaviour. and they are refusing to acknowledge my dispute because of 'technical issues ', but how can a company operate with technical issues lasting over a month ... 
I want this resolved right away
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.
Complaint sub-issue: Account information incorrect

After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, XXXX, equifax, XXXX and any other parties who have access to my information and debt.
Complaint sub-issue: Reporting company used your report improperly

The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( Only reported to XXXX & Equifax ) I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section XXXX of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX and Equifax .and explained I was a victim of identity theft and fraud and that the balance of {$4400.00} XXXX XXXX XXXX XXXX ME OF OWING! is not mine someone got a apt in my name its not mine Im legally not responsible I sent police reports and theft affidavits over XXXX times literally this company is fraudulently reporting this account to the credit agency ( EQUIFAX ) monthly is calling my place of work seeking money calling my immediate family etc now i have a open lawsuit against this company for violating my consumer rights. I explained to Equifax XXXX XXXX XXXX a victim of identity theft sent all proper documentation And they too have NOT removed this fraudulent account from their system i now have a attorney seeking justice for emotional distress and mental abuse these companies need to remove this fraudulent a ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 605 any consumer that identifies fraud and notify the credit agencies shall have the information blocked and removed Equifax failed my consumer rights Im now filing a FEDERAL LAWSUIT!
Complaint sub-issue: Received bad information about your loan

I have 13 loans total by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX, XXXX and now Nelnet. 
The first loan was given XX/XX/XXXX. I started making payments while in school in XXXX. I later filed for economic hardship and had my loans deferred and finished school in XXXX. Then All loans were consolidated in XXXX, with no record of prior payments, because they start over, as told to me by XXXX and Nelnet. 
I've been on an income contingent plan for years. Always sent in the application and faxed all required documents. There's never any record of payments or any correspondence between both Department of Education or Nelnet. I moved from Texas in XX/XX/XXXX. I sent a payment, as always and the Department of Education said they sent me to a collection agency and payments could no longer be accepted. 
I received a letter from the Department of Education XXXX XXXX threatening to garnish my wages if payment or payment plan wasn't put into action. Shortly after, I received a letter from XXXX XXXX XXXX XXXX, a collections agency. They added XXXX to my loan for their fees. A payment arrangement was made and I sent payments directly to Department of Education until the pandemic shut everything down. 
Spoke to Nelnet today and they said XXXX might have been a scam because there's no record of payment. When I spoke to XXXX, they don't show it either and referred me to Nelnet. 
My loans have been through too many hands and it's not fair. When loans are this old and payments have been made, I need to know my legal options. Thank you.
Complaint sub-issue: Problem with fees charged

I have filed a complaint with Tennessee  XXXX   XXXX   XXXX . I plan to file with the BBB and a law suit to follow. I believe this company has set up there computer programs to charge customers late fees, regardless if that payment is late or not. I have a ledger uploaded with more than {$3000.00} in late fees. Some examples are as followed ; On  XXXX / XXXX / XXXX  a partial payment was missed.  XXXX / XXXX / XXXX  a payment was made. On  XXXX / XXXX / XXXX  a non sufficient fund charge of {$96.00} was charged  (  for the  XXXX / XXXX / XXXX  payment ). on  XXXX / XXXX / XXXX  another payment was made. Auto Masters then charged a late fee to every payment made after that non sufficient fund charge, ever made for the next  XXXX  yrs. Payments that were made on time, where charged a late fee.  XXXX   XXXX  on  XXXX / XXXX / XXXX  stated, they over charged us by {$30.00} and offered to credit and defer the balance by adding it to the end of the loan. Auto Masters has charged over  XXXX  payments a late charge indiscriminately. Around {$3000.00}. After that initial missed partial payment. Extra payment were made noticeable  XXXX / XXXX / XXXX  {$400.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$230.00}.  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$180.00},  XXXX / XXXX / XXXX  {$200.00}. No matter how much we missed, or over paid, every payment was given a {$30.00} late fee. If we were short {$5.00} on a payment, they charge a {$30.00} late fee. If we paid a extra {$200.00} that month, they charged that payment {$30.00} late fee. I even mentioned a issue with the car, where we were promised a reimbursement of gas. During this process of complaining about the late fees, Auto Masters reimbursed us for the gas. It appears they took a late fee of {$30.00} out of the reimbursement on  XXXX / XXXX / XXXX . As of  XXXX / XXXX / XXXX  I began making the car payments, there was a miscommunication with my roommate. She told me car payments were {$230.00} due the  XXXX  and the  XXXX . I have been paying over the amount due, yet none of it went to the principal. They stole the extra money by indiscriminating charging late fees to every payment made. This horrendous action has continued for  XXXX  years of the loan. I believe if investigated, the company will be exposed for taking ten of thousands unjustly from the customers. They are taking from the community, a community of military, veterans and their dependents. Customers who are struggling financially or credit wise or both. The way they administer their fees is predatory and should result in a audit of their fee practices.
Complaint sub-issue: Debt was result of identity theft

I checked my credit report two days ago, and noticed two accounts from Enhanced Recovery for XXXX and XXXX, in the amounts of {$1900.00} and {$760.00}. 
I have never had any account with either mobile phone company. My sister used my information twice  and opened two mobile phone accounts in XX/XX/XXXX and XX/XX/XXXX. These accounts were not authorized and were opened fraudulently. I have filed an FTC fraud affidavit for the two fraud accounts.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been charged interest charges on unpayed balance since XX/XX/XXXX upto and including XX/XX/XXXX. During this prior of time I never received a paper or e-mail statement on billing. Therefore Sears Citi Credit Card Company has been taking the mim.payment from my checking account and adding interest at a high rate monthly on the unpayed balance. I think since I did not received any monthly statement that I should not be liable for any interest charges to my account. Prior to this time frame I have always pay my bill in full monthy. I am a Senior age XXXX and not afford all of these bogus charges. Request an Investigation into this matter.
Complaint sub-issue: Debt is not yours

Company, GreenSky, is trying to collect a {$17000.00} debt. I have called GreenSky many times about this issue since 2016. They have been reporting negatively to the credit bureau. Multiple times I have asked GreenSky for a signed contract they have with me. One representative of GreenSky says they do have a contract and that they will send it out by email. Another representative of GreenSky said they will mail it out. A third GreenSky representative says they dont use contracts. All representative have said different things when I ask for a signed contract. Im still waiting for signed contract through email and mail. They will never send me a copy of a signed contract because they dont have one with me. GreenSky representative say they have tried reaching out to a company called XXXX, to respond about my complaint. I have asked GreenSky if I can have the number to XXXX  so I can call them. GreenSky responded that they dont have information about XXXX. I scratch my head and wonder, why doesnt GreenSky have information on a subcontractor or business they are doing business with? And why would GreenSky be billing me if they dont have a signed contract with me? Why would they be reporting to my credit bureau if they dont have a signed contract with me agreeing to charges and or debt? Something really wrong with this GreenSky business model.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX Equivax mistakenly removed my XXXX XXXX XXXX credit card from my report because they lumped it in with an actual dispute I NEVER intended XXXX XXXX to be removed now it was put back on and eqiufax will not respond to XXXX XXXX ... that the dispute was a mistake and withdrawn ... so XXXX XXXX can not reopen the account the letter was sent from XXXX XXXX to them on XXXX PLEASE help when I call equifax they say I fail the inf to verify its me that is CRAZY
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX CARD SERV – partial account number XXXX.  (Please see page 3 of the attached credit report.)  I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account.  In addition, this card belonged to my mother who has since passed away.  They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my credit report.  I have contacted the bureau to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I filed a FTC identification theft and KY state police report. 
Also a workers comp injury at XXXX XXXX has left me broke. Started w a chapter XXXX as I made about {$1200.00} a week to XXXX as XXXX XXXX Refused ... not realizing it was chronic and deathly, after 6 mths I had to file chapter XXXX. 
XXXX framed me for theft and I caught them and got clear, the identity theft dropped my score 200 points. I had XXXX But XXXX either left portal open .. or XXXX XXXX , of XXXX XXXX XXXX in an attachment on my software update. I have tried, maimed in filed on line 1 ) XXXX XXXX goes to court in XXXX, XXXX They offered , but again This is likely death. 
2 ) XXXX  has bullied me and .... cost me a lot of $ I feel they are part of the id theft which stole XXXX 3 )  XXXX and XXXX recovered 4 ) I go XX/XX/XXXX for my SS XXXX 5 ) my credit is good but I cant get a loan to survive .. Fcc has 15 complaints on XXXX  w evidence. 
6 ) why wont XXXX fixing this? Us XXXX paying them to? Wheres consumers right 1-3 has corrected 7 ) fix now
Complaint sub-issue: Problem getting your free annual credit report

1 ) I have called Equifax four times requesting a free copy of my credit report. Each time I was told it will be mailed to me, but I still have not received my report. 2 ) I am also unable to get a free copy of my Equifax report through XXXX because the security questions used to verify your identity do no pertain to me. XXXX says the questions are generated by Equifax so I need to contact Equifax. I have asked Equifax to correct the security questions multiple times so I can get a copy of my report, but Equifax said there is nothing they can do when I have called them about it. So ... I am unable to get a copy of my credit report from Equifax when requested, AND I am unable to get a copy online through XXXX either. I have attached two examples of the security questions generated ... none of which pertain to me or my credit file. When I check " None of the above '' it says it can not verify my identity and so I need to contact Equifax.
Complaint sub-issue: Account information incorrect

I, XXXX XXXX, am writing this complaint for account ending in XXXX. This account was closed by DISCOVER, with no prior communication as to why or when this will happen. This account has been charged off- why you asking me for payments and illegally reporting inaccuracy to my credit report? You have been harassing me everyday with phone calls like clockwork. You are a debt collector calling me and harassing me violating federal law under FDCPA. You are providing false statement/representation by trying to collect amound that's already paid off ( charged off ). You are threatening to contact credit bureaus and damage my XXXX XXXX - Regarding missing payments when this card is charged off. Your attempts to collect debt that is charged off, and now you are trying to double dip and commit fraud. 

They have left numerous messages on my phone and calling me from several numbers and constantly emailing me. 

XXXX XXXX
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Jefferson Capital Systems LLC successfully manage to file and win a judgment against me without me knowing anything about their claim. I received a letter from a local court notifying me that Jefferson Capital Systems LLC was granted a default judgment against me. 

I have never had any type of account with Jefferson Capital Systems LLC. My name is very common in the XXXX Texas XXXX. Additional, the veracity of the claim hasnt been fully explored beyond a shadow of a doubt ( by me ) that includes examining the subject accounts owner, receiving a full accounting of all charges, full account payment history, reviewing the account contract, plaintiffs evidence of subject account ownership, evidence of plaintiffs attempts to make aware of impending lawsuit prior to filling, determining if plaintiff attorneys is working within Texas or is from out of state, reviewing the statute of limitations for the action- among other considerations. 

As such, is Jefferson Capital Systems LLC has disregarding federal laws designed to protect consumers at large. 

I urge the federal government start a full-scale audit/investigation on Jefferson Capital Systems LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.