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

In XXXX of 2019, my wife and I purchased a new house. In order to get the mortgage, we had to settle our dispute with Pro Collect. We paid Pro Collect and submitted the letter showing payment in full to the lender. 

I also supplied that letter to all 3 credit bureaus, XXXX is the only one that hasnt removed it. All 3 Bureaus have removed it from my wifes credit and she supplied the same proof of payment My XXXX XXXX on XXXX is XXXX lower and no matter what I do, it never gets higher. 

I have written documentation I can provide showing payment in full of this debt.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Complaint sub-issue: Reporting company used your report improperly

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 instrusctions.

15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Qualify for a better loan than offered

My Son and I applied for a college student loan with Discover Student Loans because they have displayed/promote on their website viable rates as low 2.99 %. I have very good credit of XXXX and the lowest they gave was 6.5 %. I 'm not new to student loans because I have XXXX older Sons in college with private student loans also and I know what to expect. I think it 's a scam and dishonest to promote such a low rate when it 's really not available ( 'bait and switch ' ). I went with XXXX XXXX XXXX loans because I received a substantially better rate, Substantially!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CITIBANK NA., BEST B Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX - XXXX Inquiry : XXXX XXXX, XXXX XXXXelephone Companies
Complaint sub-issue: Account information incorrect

I have been in contact with XXXX XXXX to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with XXXX XXXX, XXXX.
Complaint sub-issue: Reporting company used your report improperly

My financial information has been identified as being part of the data hacked from Equifax.
Complaint sub-issue: Investigation took more than 30 days

I requested Equifax investigate XXXX negative tradelines via a certified mail receipt requested and they opened the investigation on XX/XX/2021 with an estimated completion date of XX/XX/2021. Not only did Equifax not complete the investigation by the XXXX, but the lender XXXX only marked the XXXX accounts as " customer disputes - investigation in progress '' days after the 30 day dispute window expired.
Complaint sub-issue: Other problem

On 3 occasions, while trying to add extra money to lower my balance, I submitted an incorrect account # or routing # due to a typo. ( My hands shake badly. ) I immediately remedied the situation, transferred more money to them and paid a {$35.00} penalty for each mistake. They closed my account.

My automatic payment was set to pay off the balance each month and did so. There has never been an error in my automatic payments. But when I tried to lower my balance manually I made 3 mistakes between XXXX and XXXX.
Complaint sub-issue: Charged too much interest

If a person pays intrest on the credit card balance one month, then pays off the balnace IN FULL the following month according to the listed debt, the company says if you don't stop using the card by the 'close of billing date ', they are going to charge you interest again. I feel this is discrimintory or discrimination. I was able to pay off my debt IN FULL, by the close date on my account, yet I was charged addition interest because i used the card in the next billing cycle - even though that balance had not been on the card for more than 30 days. A person that borrows money pays it off in full even though they are not paying until the end of the grace period time & have continued to use the card are not charged interest. This is discrimination against the person who must borrow from time to time, yet does not keep a balance on the card. According to the terms & conditions they can charge me, but they can't charge the person who dose n't pay off the bill entirely.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are multiple inquiries on my report I do not recognize
Complaint sub-issue: Account terms

I am currently experiencing extreme difficulty with the credit bureaus. XXXX, Equifax, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, XXXX, and XXXX XXXX are all in good standing. I have been paying about XXXX80 % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information. Inaccurate, incomplete or unverifiable information must beremoved or corrected, usually within XXXX days. However, a consumer reporting agency maycontinue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a zero balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.
Complaint sub-issue: Reporting company used your report improperly

According to report Equifax affect Millions for falsely reporting score through a data breach.
Complaint sub-issue: Debt is not mine

I do not owe XXXX XXXX XXXX any money. Therefore I do not owe this IC collections company. We were NOT in a contract with XXXX for our Internet & TV we had switched to XXXX ( who is owned by XXXX anyway ) our service was terminated but XXXX kept billing us. We repeatedly tried to resolve this with XXXX. Now I find out they sold a debt I do n't even owe to a Collection agency.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I reported the card stolen as soon as we were alerted on XX/XX/XXXX. Citibank did not do a thorough investigation and saying that given it was using a chip reader, we made the purchase and not crediting back XXXX XXXX They are saying no one can clone the card and other nonsense. They want us to provide the proof we did not make the purchase. 
I have spent countless hours. There are other charges we legimately bought stuff and make regular payments. This is the first time we are disputing as the card was stolen,. Please help
Complaint sub-issue: Collected or attempted to collect exempt funds

My income has been slashed by over a third, since losing my career at my previous employer due to COVID XXXX, and I have been working with every institution I owe money to, in order to stay current and prevent further arrears. With every other debtor I owe, I have been able to get the company to stop charging interest and lower my monthly payment, and am slowly catching up. 

Except for XXXX XXXX. They refuse to stop charging me interest, so the debt just keeps getting larger. They won't reduce the payment amount, so I can never afford to pay it. And now, they sent me a letter, dated XX/XX/2021, received XX/XX/2021, that they will be pursuing litigation. 

It was my understanding that until the XXXX situation was resolved, companies were prohibited from using such tactics. XXXX XXXX is acting like a loan shark. Please let me know how I can best resolve this situation with the resources I have. Thank you.
Complaint sub-issue: Reporting company used your report improperly

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021
Complaint sub-issue: Threatened or suggested your credit would be damaged

Discover Card continues to harass me even though they know I have no ability to provide any payment and have threatened a lawsuit against me. I was recently diagnosed with XXXX  and additional mental illnesses and are stating to me that collecting the balance on my card is more important than the value of my life. I do not have a source of income. I am unable to work, am under XXXX XXXX XXXX   care and have been admitted in to the hospital on XXXX  watch. The company does not care if I commit suicide due to their harassment. A call lasting 1 hour and 40 minutes today ended up in the creditor hanging up on me while I was hysterical due to my mental state.
Complaint sub-issue: Public record information inaccurate

Several months ago I applied for a ( XXXX XXXX ) Home Equity Line of Credit and was denied based primarily on a 2016 bankruptcy that was incorrectly reported by Equifax. I have provided them with indisputable proof that this is incorrect ( see attached ). 
There consisted refusal of Equifax to correct this error or explain why.
Complaint sub-issue: Account status incorrect

Hello, I am writing to inform you of the devious practices being conducted at Equifax. The three credit bureaus have collectively damaged my quality of life with inaccurate reporting on my credit report, but Equifax has causing detriment to the livelihood of my family with the current reporting on my credit report. These reportings consist of wrong addresses, duplicate inaccurate accounts and closed accounts being reported as being paid late to name a few. These reportings also have lead to me being denied credit, elevated cost due to higher interest rates and my family 's right to life, liberty and the pursuit of happiness being diminished. The business conducted with Equifax is deplorable as they have also reported these things without my knowledge or permission denying my rights to privacy and the fair debt collection act.
Complaint sub-issue: Information belongs to someone else

I never created this account with Moneylion. This is a scammer or a scam business. I have sent them several letters notifying them that i never created this account they refused to do their due diligence and actually investigate the matter sending me letters saying that they have closed the case and determined that I actually opened this account. The burden on proof is on them and I have not received anything that could be considered " proof ''
Complaint sub-issue: Debt is not yours

I bought an XXXX  XXXXXXXX XXXX XXXXXXXX that was locked to the XXXX  network from BestBuy on XX/XX/2022. I paid the full amount using my BesyBuy credit card on XX/XX/2022. XXXX sent me to collections recently for an amount of {$1000.00}. I called XXXX customer service to find out what this amount is meant for and I was tol by the customer service agent that the amount is for the XXXX XXXX XXXX XXXXXXXX device. I explained that I already paid the full amount and that XXXX should contact BestBuy to verify that I have paid off the full amount for the phone. They refused. They sent me to collections because I would not pay twice for the same phone. 
I am writing this so that this organization would mediate between me and XXXX regarding this issue. In the first place, I did not purchase a phone from XXXX. I purchased the phone from BestBuy and I see no reason XXXX would contact me to pay for a phone I already paid for. 
Another argument XXXX brought forward was that EMEI number in my receipt does not match with the EMEI on the phone. I contacted BestBuy regarding this and they made me understand that there are two EMEIs on an iphone. EMEI1 and EMEI2 on the phone box. EMEI2 number was used to process my payment from BestBuy and according to BestBuy, any of the EMEIs is good enough. XXXX only wants to see EMEI1 on the receipt or on the account. I am only a customer that purchased an item and I am not responsible for creating receipts. BestBuy and XXXX should work this out. I have lost almost 60 hrs of work time from XXXX till now driving around to XXXX and BestBuy store trying to solve this problem without any progress
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to remove the disputed fraudulent items reporting on my Credit file. Again, I was a victim of identity theft and this is yet another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please remove the following items completely from my Credit file : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 XXXX XXXX XXXX XXXX XXXX The Credit Bureaus have also failed to send me copies of proof of verification from their investigation, if they really did conducted any investigation at all.
Complaint sub-issue: Account information incorrect

XXXX 2016 I financed a car through XXXX XXXX XXXX XXXX ( XXXX ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On XXXX they claim it as a repossession and that I owe over {$14000.00} on Equifax it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from XXXX
Complaint sub-issue: Can't temporarily delay making payments

I have been making student loan payments for months until I become unemployed. Even while I was employed, I asked to lower my payment of {$1000.00} a month and I was denied. 
I felt lied to because while I was applying for the student loan, they said there are income based payment options. No one worked with me about that. 
So I continued to make $ XXXX payments until become unemployed on XXXX/XXXX/XXXX. 
I initiated the call and explained them that I lost my job and asked for some time until I find a job and continue making my payments. 
Every time I told them I am unemployed and have no money to pay them, they kept calling weekly. Constantly harassing and threatening. Some weeks they called more than once the same week even I spoken to an agent 2 days prior. 
Called me non-stop, kept calling and bothering my mother which she got very frustrated because she could n't understand exactly what they were saying due to English being her second language. 
All I wanted from them is to stop harassing me and give me time until I find a job. 
Instead, they kept threatening me with default and possible legal action. 
I am on the verge of XXXX, and I need a way out and/or some one who can help me make arrangements with them. 
My credit score went from being very good to very bad in a matter of couple of months. 
Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report inaccurate information my credit report even after sending them supporting documents. For some reason Equifax did not remove it. I 'm a little confused here. How is it that the other  XXXX  bureaus removed the inaccurate information and Equifax did not? I thought they were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other  XXXX  bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several certified letters to XXXX, Equifax, and XXXX   to validate the accuracy of XXXX XXXX XXXX. I have asked the creditor to validate the amount, address, any videos of me due to the fact of being a fraud victim. XXXX XXXX is only replying to XXXX, Equifax, and XXXX with the words VERIFIED.
Complaint sub-issue: Reporting company used your report improperly

sent in letter for removal of inquires XX/XX/XXXX and the XXXX
Complaint sub-issue: Unable to open an account

I am having issues opening up a Citibank Checking and Savings Account online. I had a previous checking account with Citibank in XXXX and the checking account was closed with a negative balance. The balance and debt I owed to Citibank was discharged in bankruptcy court under Chapter XXXX on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. Citibank is discriminating against me and not allowing me to apply for credit or open up a checking account due to my previous checking account with CitiBank, which the debt was discharged in bankruptcy court. Citibank is also discriminating against me due to my race, me being XXXX XXXX ( XXXX ). Citibank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I deserve a second chance checking account with Citibank. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Complaint sub-issue: Was not notified of investigation status or results

CITIBANK was notified of disputes of accounts ending XXXX & XXXX and never resolved the issues. Accounts need to be deleted as in contains inaccurate/fraudulent information for which CITIBANK has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, XXXX, XXXX. Regardless of my efforts to try to resolve the disputes with CITIBANK as I advised CITIBANK that these are Fraudulent accounts CITIBANK continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. CITIBANK is being negligent in follow consumer laws and FCRA laws.