Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

I have a XXXX account on my credit report and have been disputing it since XXXX. I have tried to contact them several times without getting any kind of response from them. I called them and was only told they would get back to me and yet I have not heard anything from them. I have contacted equifax concerning this matter they disputed it and sent back a response that the account has been verified and yet I still have nothing from XXXX but yet I am being told it has been verified. I do everything in writing to assure my verification and yet can not get any kind of response and I have a problem with how equifax claim they have and can get verification and I have not been able to get anything from them since I started this in XXXX.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX XXXX XXXX XXXX REPEATEDLY CALLS MY TELEPHONE WITH A XXXX NUMBER WHICH TELLS ME A NUMBER OF THINGS! PHISHING, POSSIBLE ID THIEVES, COLLECT YOUR NUMBER, AND I DO NOT HAVE ONE BROWN PENNY OWE TO THEM AND NO ONE ELSE IN AMERICA. THAT  XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR DEBT COLLECTION ACT WITH NO LETTER TO PROCEED THEIR PHONE CALL, REPEATEDLY CALLS 4 TIMES. HAVE NO DOCUMENTATION ABOUT THE DEBT SUPPOSEDLY OWED. THIS IS A ORGANIZATION TRYING TO CALL DEAD PEOPLE TO PAY A DEBT BY A TELEPHONE NUMBER THEY PULL OUT OF A HAT! THIS IS THE MOST GROSS ATTEMPT FOR A COLLECTION AGENCY TO POUNCE ON THE AMERICAN PEOPLE THAT DO NOT OWE THEM OR NO ONE ELSE. THE COO XXXX XXXX SHOULD FOLLOW THE RULES ON THE CORRECT PERSON THAT OWE THE DEBT NOT JUST PHISH UNTIL YOUR COMPANY COME UP WITH A DEBT. THE DEAD PEOPLE IN THE GRAVE IS NOT COMING UP TO PAY THEM A DEBT. STOP THIS INCORRECT DEBT COLLECTIONS PRACTICES TO MAKE A BUCK! PROTECT US HERE IN AMERICA FROM THE PREDATORS XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I owed General Revenue {$600.00} collection from a college I didnt attend back in 2019. I agreed to a pay in full settlement of {$300.00} on XX/XX/XXXX. A week goes by it says I owe a collection of {$300.00} and Im like XXXX so I call them they tell me the account was closed I just need to wait for XXXX XXXX to update. Now 2 more weeks have passed now it says I have a missed payment and the collection is now back at {$600.00}. I tried calling over and over but was told agents were busy until I finally got through to hear someone say end call and hung up the phone on me which this happened multiple times and I grew more and more frustrated. I have a copy of the receipt they sent me where I paid for it but this company has been nothing but rude and disrespectful they whole time dealing with this stuff.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XXXX XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX 's investigation and reporting are not lawful
Complaint sub-issue: Didn't receive notice of right to dispute

on XX/XX/XXXX mailed my dispute to them on XX/XX/XXXX they signed for it as of XX/XX/XXXX received no mail from them and my credit report doesn't reflect a dispute as of XX/XX/XXXX still received nothing from them and nothing is marked on the credit remarks about being in dispute
Complaint sub-issue: Debt is not yours

Vance and Huffman llc has reported to my credit bureaus that I opened an account with them XX/XX/2020 which is false. I do not I ow who they are and I did not open any account with them.
Complaint sub-issue: Called outside of 8am-9pm

XXXX XXXX XXXX XXXX never sent me a bill for a ER visit that occurred on XXXX. Yesterday, out of the blue, I received a letter from Americollect for {$78.00} that went to collections from XXXX. 

Yesterday, immediately after receiving a collections notice, I faxed and emailed both Americollect and XXXX XXXX XXXX XXXX requesting for debt validation. I have also filed a complaint with the XXXX and the Louisiana General Attorney for XXXX practices. 

Today, at XXXX, I received a phone call and voicemail from Americollect . I know that it is illegal for collections agencies to call outside certain hours. Furthermore, I have already contacted them in writing, both by email and fax, that I would like debt validation and also notified them that I am in the process of filing a complaint against the original creditor.
Complaint sub-issue: Problem with fees

I received a bill for {$30.00} on XXXX XXXX. However, I made this payment on XXXX XXXX. I contacted Discover via chat on XXXX XXXX and asked if I had already made this payment. When I checked both my statement and attached payment history it did not reflect any returned checks, backoffs, or indication of any returned check. Further, it shows I already made a XXXX payment on XX/XX/XXXX. 

Discover Bank is clearly in violation of Regulation Z as well as other local statutes protecting consumers. I both want Discover Bank investigated and prosecuted! They are clearly engaging in the kind of subprime lending scams that resulted in the economic crises as well as both fraudulent and malicious acts that have caused civil damages to millions.
Complaint sub-issue: Debt was paid

EOS CCA bought a collections debt from an unpaid XXXX account totaling {$2500.00}. As I am repairing my credit to prepare for a mortgage, I decide to call them to settle the account. I speak to a representative who was very rude, and asked to be transferred to his manager, with whom I came to a settlement agreement with totatling {$1200.00}. Per the manager, the settlement amount would stop all collection efforts and have the account settled in full, allowing a possible deletion of the debt. The stated that they have no way of removing the debt themselves, so I thought, it would be a win-win for the both of us. 

They received the payment by drafting from my account, which I did authorize in good faith that they would honor their promise and update my credit report. They did update it but simply applied the {$1200.00} to the original amount I owed, thus leaving the EOS CCA entry with a remaining balance which was supposed to be zeroed out.
Complaint sub-issue: Account information incorrect

MACY 's has reported a result of miscommunication as failures to make payments : I recently returned from a three-year XXXX   XXXX  in a remote area in XXXX and discovered that MACY 'S has reported two late payments to the credit bureaus ( XXXX XXXX, and XXXX ) despite the circumstances surrounding what I consider to be a miscommunication. I had just opened the MACY 's credit card account in the summer of 2017 and was still awaiting the very first invoices through the mail when I departed in early XX/XX/2017 for an overseas military XXXX. I later received all of my late mails as it's usually the case for military personnel XXXX in remote locations and MACY 's invoices were among them. I immediately made the payments and called the customer service a MACY 's to explain the situation. Despite their reassurance, MACY 's still reported the late payments and they have been affecting my credit negatively until now when I discovered the entries when reviewing my XXXX credit report.
Complaint sub-issue: Billing problem

Several calls throughout the last 2 years to fix the management of our accounts. Several payments have been " lost '' or not applied to account or applied to incorrect account. Finance charges are incorrectly applied to monthly billing/payments. Fees erroneously or incorrectly applied. Payoff amount is incorrect. 
First contact made about these issues XX/XX/2019.
Complaint sub-issue: Their investigation did not fix an error on your report

When accessing XXXX portal I discovered that the information ( personal and credit accounts ) were completely inaccurate. It appears that my consumer report has merged or been mistaken for someone with a similar name as me. The SSN listed on the report was NOT my SSN and the credit report revealed accounts that have never been associated with me.
Complaint sub-issue: Reporting company used your report improperly

ON XX/XX/2022 a document to correct a reporting issue of inaccurate and unwarranted inquiries ( Counted XXXX total ) and reports were discovered on my report. To my knowledge, I have not granted any company permission, either at all or 90 days upon filing an SSA-89 form from the IRS to be reported on my personal consumer report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize elan financial to pull my credit report on XX/XX/2019
Complaint sub-issue: Account information incorrect

THD/Citi have reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. They have asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. they have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue
Complaint sub-issue: Reporting company used your report improperly

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!
Complaint sub-issue: Personal information incorrect

hapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date XXXX XXXX XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I do not know of any debt with Avante USA, I have no knowledge of any debt with this company or the original creditor. 

I have not received written notification to dispute the validity of this debt I am requesting that this debt is removed from all credit reporting bureaus.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX and Equifax are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit report that do not belong to me in accordance with The Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

Hello, I have made numerous attempts to contact Equifax and XXXX  on XXXX, XXXX, XXXX, and XXXX regarding the incorrect/inaccurate errors on my credit report. I have received no response from Equifax and XXXX  has only updated the inaccurate information with no other findings or explanation. This has become a hardship as this incorrect information is impacting my ability to purchase a home as I am currently in the process. I have sent numerous letters and XXXX has removed the inaccurate reporting as of XXXX, but Equifax and XXXX  have not. This complaint is to document the companies non-compliance within the statutory time period30 daysto my request for re-verification. I assume they have not been able to re-verify the information I have disputed. Therefore, they must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report ASAP. Please I am asking for any assistance with this matter as it has been well over the allotted 30 day timeframe.
Complaint sub-issue: Information belongs to someone else

Equifax has been reporting Erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed and my information is being falsified. I demand that these inquires be removed immediately.

I am reporting on my own behalf. 


Inquires listed : 1. 
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: Reporting company used your report improperly

I XXXX XXXX the CONSUMER and NATURAL PERSON sent a letter to Equifax on XX/XX/XXXX disputing 7 different accounts that are being reported negatively on my consumer credit report. I wrote the account in detail so there would be no confusion as to what accounts I am speaking about. I wrote to them concerned because I believe they're violation my right pursuant to 1681b ( 2 ) because I never gave them written permission to furnish these private consumer transactions. So I asked them to provide me proof that I did and gave them 30 days to provide that information to me to look over. I believe they're also in violation of 1681a ( 2 ) ( B ) by including an approval of an extension of credit. Please help me with the situation being that it has been very hard to get to my life after Corona Virus hit us all so hard this past year.
Complaint sub-issue: Account status incorrect

My wife and I have been negatively impacted significantly by PNC bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called PNC to dispute these reports, however they stated that they do n't discuss these issues with their customers.
Complaint sub-issue: Application denied

I requested a Macy 's Credit card on XX/XX/22 at the Macy 's located at XXXX XXXX XXXX XXXX, PA XXXX. The sales woman asked for my information and did not ask to pull my credit but she did it anyways without permission when she told me to enter my social on the electronic pin pad and to enter my salary and then asked me to sign on the pin pad which I used my beneficiary signature even though I was forced to sign electronically instead of being allowed to do business using physical paperwork. I was then told that I was denied for the Credit card and that I would receive something in the mail in a few days about the denial infront everyone present at check out. I was humiliated. On XX/XX/22 I called Macys XXXX XXXX XXXX and spoke to XXXX who informed me that I was denied for not having enough credit history and then put XXXX her supervisor on the phone who also stated I got denied due to not having enough credit. I informed them on the TILA and also Title 15 1611and 12 CFR Part 1002 Regulation B and they said it was the automated system. On XX/XX/22 I called the Macy 's reconsideration line to speak to a live person and get them to review the request. I spoke on the reconsideration line asking that my request be reconsidered since I was denied by the automated system. He said of course and took my information and then told me that no I could not be considered eligible due to me not having enough credit and that the Macys credit card is not for beginners and that I needed to have credit history before applying. I informed of the laws in this consumer transaction and I was told that they do not apply here and are not backed by anything. In this consumer credit transaction my credit was pulled without disclosure, I had no disclosure at all, this faults and misleading denial of my own credit because I wanted to access a portion of my unlimited credit .I was discriminated against by them using a credit report against me and without my permission stating misleading information when I'm credit worthy and I have unlimited credit XXXX am aware that they've taken my Social Security number and electronic signature and in doing so have already been paid and they still denied me and discriminated against me.
Complaint sub-issue: Information belongs to someone else

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a camera bundle from XXXX XXXX and decided to return the bundle because it was defective. As a result, I purchased the item elsewhere. I sent the bundle back to XXXX XXXX based on the prepaid return label that was provided to me by their customer service. The day the bundle was registered as delivered to their return facility, I received a call claiming that the camera was not inside when the other products were despite sending back the entire bundle, camera included for a full refund. The representative on the phone asked me what happened and seemed intent on the get-go on accusing me of fraud and the like. XXXX XXXX refused to ever update me on the case as they were claiming that a XXXX   investigation was opened and closed concluding the weight of the package did not change. Yet at the same time, I still do not have my money back with XXXX XXXX repeatedly attempting to pin the blame on me despite sending back what I received from them originally and fulfilling my obligation as a customer to obtain a full refund. I escalated the case with Discover and despite sending back the item with XXXX XXXX 's prepaid return label with full confirmation, they refused to side with me on the dispute. There was further documentation provided by XXXX XXXX where they claimed the " fragility '' of my tone of voice as notation aimed to firmly place the blame on my myself. I can not handle that I deal with XXXX  from XXXX due to being robbed on the phone once before.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following inquiries, accounts, and late payment. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Complaint sub-issue: Account status incorrect

Credit Bureaus told me that XXXX XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments with XXXX XXXX to verify what they is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX  XXXX XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened a new Citi Premier credit card in XXXX under a promotion that stated : " Earn XXXX Bonus Points after making {$4000.00} in purchases with your card within the first 3 months of account opening. XXXX Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+SM , Citi ThankYou Preferred, Citi ThankYou Premier/Citi PremierSM or Citi Prestige, or if you have closed any of these accounts, in the past 24 months. '' 1. I made {$4000.00} in purchases in the first 3 months. 

2. I did NOT receive a new card member bonus on the Rewards+, Preferred, Premier, or Prestige in the past 24 months. 

3. I did NOT close an of those account in the past 24 months.

4. It has been over 90 days and the points were not posted to my account. 

I contacted citibank, they stated " special offers aren't available with an existing account in the same product has been approved or closed within 24 months '' Those terms are not listed anywhere on the account application, new terms can not be applied after the fact.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I sent off letters to all 3 credit bureaus. I have yet to hear from any of them. It is a law for credit bureaus to respond in 30 days, they are in violation of my consumer law.
Complaint sub-issue: Reporting company used your report improperly

XXXX. Equifax and XXXX is furnishing negative items on my consumer report thats suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.
Complaint sub-issue: Fee problem

I was incorrectly charged a {$5.00} " XXXX XXXX '' on my business checking account for a " printed statement '' that I didn't ask for. Apparently, the bank defaults all accounts to these paper statements and charges customers $ XXXX for the printing fees, which is straight-up fraud. There were no clear disclosures about this practice anywhere in the account set up process. I wasn't using this account and definitely didn't need a statement printed and I certainly would never have paid {$5.00} for it either. I already tried to resolve this with the bank directly and they refused to refund the money they stole from me. This is not ok. I need reparations!
Complaint sub-issue: Old information reappears or never goes away

I have  XXXX  tax liens listed on each of my credit reports, dated  XXXX ,  XXXX ,  XXXX . I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from  XXXX  should be taken off my reports, if not all of them. But they still remain on my reports.     I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $  XXXX  of their products to do so, and have gotten no where in actually contacting a human to fix this error.     Please assist, thank you. I can share a screen shot from a  XXXX  report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.