Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I contacted XXXX in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact XXXX to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following Minday. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/2021, I instructed " MRS Associates '' to cease and desist contacting me via my cellphone regarding an alleged debt. That call was recorded by me in full. The customer service rep acknowledged my request. On XX/XX/XXXX, the company texted me again regarding the alleged debt. I called back the number to ask to speak to the company 's legal representation to resolve the issue. The customer service rep acknowledged that I should not have been contacted again, yet refused to connect me with a legal rep or attorney for the company.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX ; Medical - XXXX ; and XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Complaint sub-issue: Debt is not yours

I received attached Discover letters dated XXXX & XXXX. Please send the transcripts of conversations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. And transcripts of calls in XX/XX/XXXX regarding settlement options as mentioned in letter Dated XXXX. Discover is viewing these settlement options as assuming liability but is nothing more than trying to get rid of a 3-year nightmare. 
Please send details on fraud investigation regarding the payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please send name of bank, account holder, time of payment, and source of payment either mobile or computer. Please also send the transcripts of these three payments made over phone. XXXX deemed payments made from your XXXX my XXXX financial institution per letter dated XX/XX/XXXX. If a proper, thorough, and accurate investigation had been conducted by Discover, Discover would have realized these were not my institution and not my authorized payments. The XX/XX/XXXX letter also references your financial institution advising they were unable to locate the bank account ending in XXXX. This is fraud, hot check and THERE ISNT ANY REASON THAT I WOULD HAVE DONE THIS! Yet Discover determined no fraud occurred.

Please send copies mailed USPS for the notification of returned payments sent to address of reference as reflected in your Letter dated XXXX.
Complaint sub-issue: Information belongs to someone else

I HAVE COME ACROSS SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I DO NOT KNOW OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I AM A VICTIM OF IDENTITY THEFT AND I AM ASKING THAT AN INVESTIGATION TAKES PLACES SO THAT THIS MATTER CAN BE RESOLVED. PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Account information incorrect

On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.
Complaint sub-issue: Debt was result of identity theft

the accounts listed/ inquires listed cant be verified and need to be removed 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: Threatened or suggested your credit would be damaged

Debt Collector Violated HIPAA Collection agency, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I filed a dispute with equidad in order to add an statement to an account that was closed illegally by the lender. Once the investigation was completed I received an email to see the results. When I tried to access the results the equidad website directed me to call them in order to confirm my identity. I called them and they said they were unable to help me over the phone in order for me to access the results online. They claim they do not have a technical support department to see why I can not access the results online. I spoke with supervisor XXXX who was totally unhelpful and seems like she was making up excuses to get me off the phone.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States/ 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Company closed your account

My 3 credit cards from CITI bank were abruptly closed on XX/XX/XXXX. I  have contacted CITI to inquire about the reason for the closure. However CITI hasn't provided any reason. In addition to the closure, CITI has also forfeited more than XXXX Thankyou points I have earned over past 5 years. And again CITI hasn't provided any reason and refused to retract the decision for the forfeit.
Complaint sub-issue: Debt was paid

I have an account with Credco to pull potential clients credit reports. I have a minimum payment of {$25.00} that I have to make every month in order to maintain this account. 

Credco billing department erroneously has not applied one of my minimum monthly payments, and as a result, it keeps sending me erroneous bills for {$25.00} that I do not owe. I have sent Credco billing department explanation and a copy of my online banking payments, which shows all payments have been paid from XX/XX/XXXX until XX/XX/XXXX. 

However, Credco billing department refuses to admit their billing errors and instead they are forcing me to cancel my account so they can credit me for that erroneous {$25.00} charge, which has already been paid to them. 

I have attached a copy of my online banking transactions, which clearly shows all payments have been paid to Credco. 

In my opinion, Credco is acting in a bad faith by sending me erroneous bill for something that has already been paid to them. They also refuse to correct their error and in the meantime they are threatening my credit rating and my business.
Complaint sub-issue: Didn't receive enough information to verify debt

The creditor/ " debt collector '' has failed to adhere to Section 809 ( a ) ( 1-3 ) within the Fair Debt Protection Act, stating that within five days of initial communication the creditor/ " debt collector '' is required to send the consumer written notice containing : -The amount of the debt, -The name of the creditor to whom the debt is owed, -A statement that unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

I have since made them aware of their violation and have proceeded to ask them to validate the account as outlined within Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019, through the website XXXX XXXX I found out that an " On Site Manager '' did a credit inquiry of me through Equifax. I had not authorized any credit inquiries this year, so I immediately contacted Equifax. On or about XX/XX/2019, I called Equifax and told the representative about it. I asked him to remove this inquiry since it's XXXX and unauthorized, but the representative said he can't help me with that. 

I asked for a free copy of my credit report from Equifax. On XX/XX/2019. my credit report arrived and I found out it was XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA, XXXX ) that had pulled my credit report. This is unauthorized and I had never heard of this company before. If you look at their XXXX profile, you will find that I'm not the only victim : XXXX XXXX XXXX I called XXXX and nobody answered the phone. 

I ask for your help to demand Equifax to remove this credit inquiry from my report, and also look into this XXXX company. This link has more info about this company : XXXX XXXX XXXXXXXX
Complaint sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Hello, My name is XXXX XXXX XXXX and I recently had to return a leased vehicle. 
The vehicle a Volkswagen CC R Line, had only 20 miles and gorgeous car. I was pushed to lease the car when I really wanted to buy a car. I was also told that the more money down the less monthly payment, so I paid XXXX out of my 401k right up front. In XXXX we received a letter about the XXXX airbag recall and that our vehicle was being recalled. 
On XXXX XXXX XXXX I returned the vehicle to XXXX XXXX in XXXX, KY. They were more than rude because we were not extending or buying the vehicle. I asked if we could have some kind of price reduction and review on the monthly payments since the vehicle had depreciated so much and I was forced to literally drive a ticking time bomb with a defective airbag for the whole term of the lease, even if the recall of the vehicle was not disclosed until later. I drove a vehicle that was not worth the price it sold for or leased for. 
VWCredit did not care to even waive the return fee of XXXX nor the property tax remaining of XXXX. 
There has to be some kind of refund on the original price.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX CT XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Complaint sub-issue: Debt is not mine

Over two years ago XXXX XXXX began sending a " past due '' bill for aroound {$50.00} to our address. ( We have had XXXX for over 5 years ). It was addressed to our son XXXX woho has lived in XXXX for over 17 years and has never lived at our aderess. 
We contacted XXXX and they said it was a mistake and they would correct and delete the charge.Over two years later we are still being harassed by bill collectors. ( The latest is XXXX ', XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, ( XXXX ) XXXX. The bill is now $ XXXXXXXXIn the process we have complained, our son has complained, and XXXX has admitted they are wrong but we are still being harassed. 
Can you help us?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.
Complaint sub-issue: Information belongs to someone else

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would.
Complaint sub-issue: Reporting company used your report improperly

My information was breached during the latest Equifax hack according to their own notification website. 

I have never provided information directly to Equifax and I believe it is wholly unfair that they have access to my information indirectly and are irresponsible with said information to the point that it was accessed by a third party.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Madam or Sir, Here is my problem in few bullet points : 1. I have a CITI VISA credit card ( obtained through Costco ). 
2. I am a XXXX XXXX employee stationed in XXXX, MD with the XXXX/XXXX 3. Our travel policy requires that we make our own hotel arrangements to be reimbursed later after travel 4. I have made a hotel reservation in XX/XX/XXXX to attend a scientific conference end of XX/XX/XXXX as part of my official duties. Check-in XX/XX/XXXX and Checkout XX/XX/XXXX, XXXX XXXX MA. I got to purchase from " XXXX XXXX XXXX '' from the link provided by XXXX. I paid {$1000.00} with my CITI Visa Costco card 5. In the week preceding my travel, I learned from the hotel that my reservation was cancelled by the Travel agency - because of bankruptcy. 
" XXXX XXXX XXXX '' has toll-free and non toll-free numbers that now do not answer. 
XXXX now answers as a voucher company, aways with a message " you have reached us after hours '', even if you call all day hours on a business day. Same for XXXX 6. I filed a complaint by phone with CITI in early XX/XX/XXXX, and they reimbursed the {$1000.00} in XX/XX/XXXX 7. Upon checking my CITI Visa Costco card statement this XXXX, the charge has been re-instated. When I called, I was told that I did not respond to their request for more paperwork. I asked whether it was sent by mail, email, They told me that it was online as I opted for paperless statements. 
8. I always check my account online. The website design and they communication is to blame for me not seeing their message : 9. With all other banks, when they communicate paperless with their customers, they have two options CITI paperless does not have : a. when you log-in to other banks, if they send you a message, you will see an alert ( usually on top of the pages alerting you that you have 1, 2 or  several messages you need to attend to. CITI does not display any alert on the webpage once you log-in b. when other banks send you a message, not only they have an alert with the number of messages you need to attend to, they also send you an electronic communication in the form of an email. CITI did not do that. 

10. The two points a & b made me miss their request for more information 11.  Other banks, have also a third option ( That CITI did not also use ), which is simply to send a paper mail, because of the unusual transaction that would need attention by the consumer. 
12. I called Costco, they referred me to CITI for complaint. 
13. I called CITI, they referred me to VISA for complaint 14. I called VISA, they referred me back to the Bankrupt travel agency .... 

15. I need your help Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, MD
Complaint sub-issue: Account information incorrect

Once again the criminally negligent XXXX at one of the awful credit reporting bureaus have damaged my credit with false information! I 'm sick and tired of these high school drop outs attempting to destroy my credit! As CFPB must know by now I have filed complaint after complaint against these incompetent XXXX for continuously posting false collections, accounts and a variety of other misinformation on my credit report. Just about one hundred percent of the time after I submit my complaint they remove the lies they put on my report. Now Equifax has a new trick, they dropped my score by XXXX points for no reason at all! All my information was the same from just a week earlier. This financial libel they 're committing against me is a crime and has got to stop! I have worked hard to rebuild my credit and it 's not right for these XXXX to play with my credit wellness.
Complaint sub-issue: Can't close your account

tcf bank has taken over Chemical Bank in XXXX, Michigan. Since that time, the local bank in XXXX, Michigan has been destroyed by the 2 XXXX failures. tcf has changed several of their fee and other policies. I have been trying to contact them because the service charges they imposed put my account into a negative balance. I was a member of Chemical Bank for over 30 years. I am now trying to close my account with tcf, but when I try to contact them via phone, they only have one contact number, I have been on hold in a loop for over 45 minutes.  Obviously, this financial institution is too busy for me to do business with them. I would appreciate any help from you to make contact with this establishment. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Mi. XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, United States Department of Education account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number 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 states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Information belongs to someone else

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXXOriginal Creditor : XXXX XXXX ) XXXX ( Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$570.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance : {$2100.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed I have had several credit reports brand with my information by email that I did not sign up for or did I did not apply with my information. I have also received emails from XXXX and XXXX stating I have ordered products in my name which I have not bought nor do they reflect on my accounts nor did I authorize them. I have reported spoofing emails to XXXX and XXXX and I am trying to get these credit reports off of my personal credit. My identity was stolen last XXXX XXXX weekend in XXXX Oregon which I also followed a police report with them. I also have a business which my business information was also stolen with my ID social security card and bank card and credit cards which were reported in the police report. I continue to receive suspicious emails and credit reporting that my credit has been ran which I have not done or authorized.