Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

I signed on for automatic payments of my mortgage from my bank account, a practice active for many months. 
Then 3 weeks ago my XXXX account was the target of fraud. On the advise of XXXX, we ended that account and created a new one. I immediately notified Sterling National and updated my account info on their website. 
I was told the update was done. Today I received a letter of delinquency from Sterling and was presented with two choices after waiting on the phone for 45 mins ; either use XXXX XXXX and incur more fees, or have my credit score hurt by a non payment in the era of corona virus. 
I was told the bank had decided an update in payment info would take 1-2 months and I had no choice in the matter no matter what i did and when. 
I find that to be an outrageous abuse of my rights. What would you think in my place?
Complaint sub-issue: Account status incorrect

Ally financial Reporting car note a 9 late payments when the car is paid off and has been and they have said several times they will remove it and havent its been over a year and its hindering my credit from moving
Complaint sub-issue: Debt was paid

Collection agency calling me and my wife everyday at inconvienient times while at work an at home. They say I owe {$1100.00} which is absolutely false and untrue. They said I would be reported to the credit bureaus that would ruin my credit if I didnt make a payment to them. I have never done business with this company in my life and this is the XXXX time I 've even heard of this 'company '
Complaint sub-issue: Not given enough info to verify debt

I vacated " XXXX '' before the lease expired. I gave 60 days written notice as requested. When I received the final bill from them, they charged me {$1100.00} for improper notice. They also charged me {$200.00} for final water bills. I was current with rent and water at move out. My water bill never exceeded {$35.00} per month and I hand carried the 60 day signed notice to the apartment manager. I have a copy of this notice. I requested copies of the " final '' water bill and disputed the improper notice charge. No proof or copies of the water bill were ever sent to me and no reply was sent about the improper notice charge. They just turned it over to ProCollect in XXXX, Texas and they promptly listed the charges on all XXXX credit bureaus. After disputing this collection with all credit bureaus, XXXX XXXX removed it. XXXX and XXXX did not. ProCollect has not yet sent me requested proof of the the above documents. 

I am now filing a law suit against ProCollect for reporting false information on my credit report.
Complaint sub-issue: Information belongs to someone else

Checkr background check suggests that I have lived in XXXX tho I have never lived in any state other than XXXX XXXX, or XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/22 I received a letter from Apelles in reference to an alleged amount due to XXXX XXXX for {$110.00}. To my knowledge, I have never agreed to do any business with Apelles. As of my right, please provide written validation of any business agreement with your agency ( Apelles ) per FCRA regulations.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2016 XXXX XXXX XXXX reported to the credit bureaus that I had missed four payments which is not true. I made all the payments and XXXX reversed the payments each month and never contacted me to explain WHY! The only way I found out was when XXXX reposessed the vehicle, I have my car payments on Auto pay so there was no reason to Check if the payments were made after receiving a payment confirmation, after making the lump payment of {$1300.00} to XXXX I disputed their claim of non payment for those months to no avail. Please look into this matter for me. Thank you XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Company put car loan on my credit report after they sold it to a creditor for XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have a Macy 's credit card they changed it over to a Macys XXXX XXXX. In XXXX i paid off the statement balance. Recently, I though i used my credit card to purchase a skirt for my husband 's funeral. i had not gotten a bill and six weeks passed. I contacted them and they stated that yes i owed them {$58.00} for a {$22.00} skirt and interest that was billed after i paid off my card. I keep getting oversees call centers which are saying i that i don't have paperless billing but have not received bills. They reported me as over 30 days late and have not sent bills. I have gotten coupons no bills from Macy 's I have tried to resolve the issue for two days and keep getting oversees call centers that can't help me. My online access also shows a XXXX balance on my credit card. No one bothered to call me to say hey your late. I was told that is a courtesy. they have refused to assist me in resolving the issue to get a bill so that i can pay it but have reported it to my credit causing me to have negative credit when my credit was perfect.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that are n't mine. The equifax breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that Equifax and XXXX and XXXX are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.
Complaint sub-issue: Account information incorrect

On XX/XX/27 I sent a 609 letter to each bureau, XXXX, equifax and XXXX  on behalf of inaccurate information reporting on my credit report. I have not received any response from neither bureau. Please investigate on behalf of my disputes sent on XX/XX/27. Thank you.
Complaint sub-issue: Debt is not mine

My son and I both go to XXXX as regular patients. We both are under my health insurance. I am a federal government employee with excellent health benefits. I keep receiving harassing calls from receivable management in XXXX Virginia saying that I owe bills to XXXX. I went onsite and while at XXXX I was told I do not have a balance nor do I owe a bill. XXXX does not allow patients to be seen if a balance is owed. I received a notification on my credit report stating that XXXX is being reported by receivable management I was very upset but because I 'm going through security clearance I paid it. I need this investigated because they clearly are n't sending bills to my insurance company and there is a disconnect I 'm not receiving bills and I do n't owe any I received another call today for XXXX from this receivable management this is fraudlent and becaus inpaid the first bill they are trying again. This needs to be deleted from my report I was told if I pay it and request in writing the XXXX would be deleted and it has n't now they are asking for XXXX
Complaint sub-issue: Account status incorrect

Company my dispute is with is US Bank. In XX/XX/XXXX I spoke with US bank and let them know that my wife and I had recently had our daughter, and that I was running behind on that payment due to my wife being XXXX and out of work. Anticipating the labor and delivery costs and temporary loss of income I proactively wanted to resolve this as soon as possible. I have never missed any payments on anything in the 12 years my credit has been established, I also never missed a payment on my previous mortgage. I was told that the XX/XX/XXXX payment would be marked late and that I would be in a payment arrangement starting the next month in which, as long as I made the payment arrangement amount, nothing would adversely impact my credit or show late on my credit except for the XX/XX/XXXX payment. I accepted the one late payment, and proceeded to make every payment arrangement payment on time. I called in frequently as records should indicate, and constantly reached out to make sure that everything was good on my mortgageand every time I was told that I was good and to continue making payments. Following the advice that I was given, I still was marked late for many months on my credit report. If I had known my credit would be impacted this much, I never ever would have entered into a payment arrangement and instead made a double payment after my month of hardship to bring me current. Never would I allow my credit report to be marked late that many times if I had any indication. I have spoken to many different customer service representatives, today a conversation lasting around 58 minutes to assist in resolving this issue.l and was hung upon when they couldnt give me an answer. I feel that I have gotten the run around ... Ive called at least 20 times, even with assistance from another mortgage professional ... and still..no one has helped me. Ive been hung up on and treated very poorly. Ive put in a dispute with US Banks default reporting department, sent an email and at least 4 faxes to their credit reporting department, as well as filing disputes with all 3 credit bureaus. The loan has been paid in full as of XX/XX/XXXX.
Complaint sub-issue: Public record

Requested my " Expunged '' State Tax Lien be removed from my Credit Report, started an investigation, Equifax completed the investigation yet this item still remains on my Equifax Credit Report.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently challenged the validity of EOS CCA ( Original Creditor : XXXX XXXX XXXX - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # 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, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Card was charged for something you did not purchase with the card

I had a Sears MasterCard serviced by Citibank. A few months ago, they charged my bank account ( for credit card payment ) for an unauthorized {$300.00}. This caused three insufficient funds fees in my bank @ {$12.00} each. I immediately reported the error to Sears and to my bank. after a couple phone calls and asking for a supervisor, they finally apologized, sent me a letter and refunded the fees to my bank. However, on my next billing statement, they had charged my card {$36.00}. I also realized they were not deducting my monthly payments from my balance. I called and emailed via the website multiple times to Sears and to Citibank. I found information on the website about Sears closing? It was very shady and vague And when I finally got through to humans on the multiple phone calls, they said they had nothing listed under my name, account number or social security number. After speaking to my bank, I was informed Sears had issued a charge off on my card, thus ruining my credit!! 
this whole thing is shady, fraudulent and unjust. 
Please help.
Complaint sub-issue: Trouble with how payments are being handled

On XXXX XXXX, I started my continued education at XXXX XXXX XXXX XXXX at XXXX XXXXXXXX XXXX, NY. I'm currently in the XXXX XXXX in XXXX XXXX. All my requests for student loans were accepted. The problem I have with the XXXX XXXX XXXX is that they refuse to give me the funds from my student account to have my apartment wired for Internet service. I received a quote from an agency that was for {$170.00} to install the wiring needed for the internet service. I told the XXXX XXXX XXXX XXXX campus that I need this money from my student account and was instead directed to the job placement office. I'm totally confused about my student loans about why they were sent to the School in the first place. I don't receive any statements for how much money is in my student account. So far the XXXX XXXX XXXX XXXX has sent me textbooks with missing chapters and books that I didn't need for some classes. These textbooks are not cheap. I found out that the College is for profit. I'm an A and B student and I'm doing very well, with the exception that I have to go to the neighborhood library to do all my assignments. This shouldn't be as I have more than enough in my account that the College should authorize the money needed for the internet service to be installed in my apartment. After installation the cost is {$40.00} a month. The College loan officer said all money not used is going to be sent back to the agency lender. I find this to be a way of not letting me graduate. I feel like I'm being discriminated against because of my age, XXXX XXXX XXXX. This is my second complaint about the same thing. XXXX XXXX XXXX XXXX is holding my student loans for the purpose of collecting interest from my loan. I continually receive emails about attending tutoring. Why would I attend tutoring if I have a grade point average of XXXX. I find them continually trying to get me to do things that I don't need to do just so they can take money out of my student account that I have been denied for taking out of MY STUDENT LOANS FOR THE PURPOSE OF WIRING MY APARTMENT FOR INTERNET SERVICE. When I filled out the paperwork for XXXX XXXX XXXX XXXX, I was told that I would be set up for SUCCESS. I explained to the recruiter that I didn't have internet service or the money to have it installed and I was assured that the loans would be there to help with that. I have a nephew who is attending college and in his first month received {$7000.00} to help with the cost of his education. WHY WOULD THIS NOT APPLY TO ME????
Complaint sub-issue: Debt is not yours

I filed a recent complaint against KeyBank on XX/XX/2021. ( refer to # XXXX ) I called to confirm the issue was taken care of. I was told by 2 different people at KeyBank that the issue was closed and I owed nothing. A couple months later I got another email saying I owed and was responsible. That I needed to call XXXX and XXXX  airlines to settle the issue! They couldn't contact XXXX  as they were a third party and they couldn't contact them directly. So I need to contact XXXX and get all transaction information. That is not my responsibility! that is the responsibility of my financial institution to do their job and take care of their clients! This is a fraud case! Money was taken from my account without my knowledge or authorization! AGAIN, I am filing a complaint to have KeyBank take responsibility for their lack of professionalism and settle this issue! I am not responsible for the fraud against me! I do not owe this money!
Complaint sub-issue: Unable to open an account

this issue started in XX/XX/XXXX and this person knows my previous address as well as my current address. 

I received a letter from Ally Bank in California. Someone perpetrating to be me attempted to open a checking account in my name. That whoever called did not know that I already had a checking account in the state that I actually live. I'm pretty sure that the person at this phone number is the party responsible. Somehow this guy got my personal information which includes social security number driver 's license my date of birth and my current address. I have also received information from a bank called XXXX XXXX XXXX XXXX  in California stating that they required my information because somebody put my name on an account. When I attempted to get a person 's name and the phone number they were calling me from they hung up on me. The number originally came up as restricted because here in Illinois I had reason to believe that this number was law enforcement in my area, however it was not it was the Bank. Then receiving this letter from Ally Bank on Saturday told me someone is attempting to open accounts in my name in California. I for whatever reason can not now receive income tax money owed to me by the federal government nor have I been able to receive any stimulus money I am entitled to due to Identity theft. As I am a small business owner in the state of Illinois this really hurts my business and my reputation. I may be looking to go out of business because I can not get money or funds I am entitled to due to a scammer in California. 
Previous address was XXXX XXXX XXXX XXXX XXXX Illinois XXXX current address is XXXX XXXX XXXX XXXX XXXX Illinois XXXX my phone number is XXXX and this number should be reflected too XXXX XXXX XXXX XXXX. The call I originally received came from this phone number XXXX at first the gentleman claimed that his name was XXXX XXXX a home builder from Texas. Initially I hung up on this caller but he kept calling me back in days that followed stating that his name was XXXX XXXX, and that he was a bank vice president that was checking on the validity of a trust fund account issued in my name in California and then a separate account near XXXX Iowa ; because my mother was born near here and she was the person who opened this account in XXXX ; and I asked this guy certain information that he was able to answer with 100 % accuracy, and unless you live in this area there's no way you would know how to answer it. His phone number XXXX XXXX is XXXX. He stated that he was a previous XXXX XXXX in the military and his current position was his bank vice president yet when I asked him what the name of the bank was he skipped over my question and kept talking. He also was able to provide to me certain information of mine including my past address where I had just moved from a few days before that and he had my social security number and driver 's license number which caused me immediate concern as nobody should have either one of those bits of information.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX, I had a payment of {$330.00} come out of my bank account. Their website showed a minimum payment due of {$130.00} approximately. ( this was confirmed by a rep today XX/XX/XXXX at approximately XXXX mst ). I realized that I was over my limit and the paper statement showed the {$330.00} as the minimum payment so I assumed that I had just read the website wrong. It was about {$20.00} off in XXXX so on XX/XX/XXXX, after my XX/XX/XXXX statement had posted, I took a picture of the minimum due on XX/XX/XXXX it showed {$140.00}. Today I logged on and it is showing a payment of {$210.00}. My paperless statement also shows the minimum due as {$210.00} but website clearly shows a minimum due of {$140.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed inquiries on my credit report, however the companies and credit bureau continue to report these unauthorized inquiries
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about 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-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that are not mine.
Complaint sub-issue: Reporting company used your report improperly

XXXX, EQUIFAX, AND XXXX Violated -Federal Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates I XXXX never gave XXXX, EQUIFAX XXXX or XXXX my written consent to report any derogatory remarks, hard inquiries and, unverified items on my private consumer credit report, causing me severe suffering. ( see attatchments )
Complaint sub-issue: Threatened or suggested your credit would be damaged

Examined my credit profile and noticed this account not sure as to the nature of this but this account named as ENHANCED RECOVERY CO is not mine. 
Amounts totaling : Alleged Debt # {$740.00} ACCT # XXXX
Complaint sub-issue: Account status incorrect

My complaint is with Equifax Credit Bureau.I have verifiable court documents, proof from the agency ( Attorney General Texas Child Support Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 120 days late. Equifax says they have verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. They deleted it once only to put it back 2 months later. It has hurt my ability to obtain credit. I have filed complaint with Equifax 2 times online and 3 on the phone always getting answer verified. And 2 times written to Equifax with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General Child Support account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports. They are violating the law. I ask that this be permanently deleted from my credit report. I have documents of payments being current that is admissible in a court of law. I have attached all legal documents and identification which shows my payments are not late.
Complaint sub-issue: Information belongs to someone else

Im a repeated victim of identity theft. Ive filed a report with the XXXX XXXX XXXX Police Department. Case # XXXX! Someone has also filed unemployment in my name. 
The following accounts are fraudulent 1.XXXXXXXX XXXX XXXX XXXX {$1600.00} 2. XXXX {$580.00} 3. XXXX XXXX ( XXXX ) {$380.00} 4. XXXX XXXX XXXX {$590.00} Ive never done business with these company or entered into a signed contract with these companies. All list accounts are fraudulent!!
Complaint sub-issue: Right to dispute notice not received

WEST ASSET NEVER SENT ME A VALIDATION LETTER REGARDING MY XXXX BILL!
Complaint sub-issue: Information belongs to someone else

they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


all ftc errors
Complaint sub-issue: Public record

There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending