Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Inadequate help over the phone

I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred various 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX Mortgage account, and several 30 day lates on my lending club loan account. I have been working with these XXXX creditors and the credit bureau ( Equifax ) but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.
Complaint sub-issue: Information belongs to someone else

I have two account that I do not recall doing any business with that are showing on my credit report.XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX. This is not the first time I have had this issue. Please forward me a copy of a contract or some paperwork with my written signature on it! Once again request that the credit bureau collect and forward the formal validation within the next 30 days of receipt of this request. Please included any supplemental materials which verify that the account is factual. I would like to see a little more than a summary one-sheet. Instead, I have demanded a substantive validation according to the FCRA. If the credit bureaus cant find it in a reasonable period, any data disseminated from credit reporting agencies must be considered counterfactual.
Complaint sub-issue: Public record

This is a continuation from earlier, This retaliatory ( eviction ) Unlawful detainer, to evade laws and accountability, has some incompetent jurisprudence/bias, and these stupid blunders from county clerks, hurried up and reported subreption, idiots!!!! LIKE I said earlier with transunion 's blunder, ALL ___XXXX credit reporting agencies____ need to be accountable. There arbitrary denial to allow me to view online, unless I pay. OTHERWISE I have to wait until XXXX, 2015 to legally get a report free of charge. This XXXX slumlord was reported to XXXX code inspectors for countless state law violations, of trying to defraud me with unrentable worthless property. This XXXX retired XXXX decided to abuse his authority and my due process rights and rewarded criminal negligence, fraud, and tortious breach of implied warranty of habitability, NOW I appealed this to the California XXXX XXXX XXXX, this careless idiot, circumvented irrefutable proof. Hardly a rock solid case against myself and my wife ( OBVIOUSLY THE INJURED PARTY ) bias/incompetence and judicial misconduct does n't allow this sloppy, inaccurate, harmful errors!! LOT of controversy here. PLUS, I have rented 35 years, NEVER been evicted. emphasis added. I do n't start now, because I moved to an homeless dreg, no income town, full of complacent slumlords, and sloppy code compliance, this defunct city of XXXX, ca is also grossly negligent, breach of there statutory duties. INTERTWINED ISSUES, DISGRACEFUL XXXX OF JUSTICE. Incompetent reporting of deceit to harm me and my wife is a TORT violation.
Complaint sub-issue: Account information incorrect

Bought an oven from Best Buy in XXXX of 2020. Within a week, began getting calls about fraud on the account. After going back and forth for months simply requesting a statement from their credit provider CitiBank, just received the statement with in the last week. Credit is now paid in full. Unbelievable that Citibank would ruin my credit XXXX to XXXX, over this dispute.
Complaint sub-issue: Account status incorrect

I paid my Discover card account XXXXwhich paid it off IN FULL XX/XX/XXXX. In XX/XX/XXXX I received an alert from XXXX that I had a 30 day late for Discover. They claimed that I owed XXXX worth of interest that was charged to my account. I never received anything saying that I still owed them money. So I went to the website to look it up. I paid it immediately. I don't think that it's fair to reflect a 30 day late on my credit report for less that XXXX in INTEREST that I didn't even know I owed. I thought my account was paid in full and was closed. This immediately dropped my credit score by 34 points. It does not show a true picture of my credit worthiness when the 30 day late is an error of only XXXX. 
Thank you.
Complaint sub-issue: Investigation took more than 30 days

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Complaint sub-issue: Information belongs to someone else

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$8200.00}
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It have been way over 30 days and I have not received any investigation results.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX and XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX Bank claims I had a card XXXX. I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.
Complaint sub-issue: Transaction was not authorized

I want to make monthly installments with the company XXXX, but PNC bank will not allow me to link my account with their services so that they can automatically withdrawl the amount every month and therefore i can not buy the products i need.
Complaint sub-issue: Problem with fees

In XXXX I was solicited to apply for a Home Depot CC offered by Citibank. I applied and was approved for a credit line of {$8000.00}. I made a purchase in the amount of {$68.00} which reflected a discount for my first purchase. 

In late XXXX I began receiving phone calls that my account was past due and realized I never received a statement. Using the prompts on the automated call I attempted to advise customer service that I hadn't received my statement- each time I was transferred offshore and the line was disconnected. 

In XXXX I received a statement which indicated my balance and late fee of {$29.00}. Using the pay by phone feature I paid the the balance of XXXX and phone customer care to discuss the late fee of XXXX. I was told that fee would be waived. I considered the account paid in full with the fee waiver and my payment. 

In XXXX, I received a statement that with a balance of {$62.00} which was for 2 late charges. The first charge was not waived and then I was assessed a second fee. 

I phoned customer care and spoke to someone stateside, after a long discussion she came back and said that both late fees would be waived. My call was recorded and she assured me the balance would be XXXX Today XXXX I received another statement with another late charge and showing the outstanding balance that was to be waived. I again phoned the call center and they told me that they wouldn't waive my fees despite what I was told by the previous agents, because there was no evidence of returned mail. 

I can't speak to what the mail system was doing in XXXX during a pandemic and election, but I know a statement was not received. If the agent in XXXX would have followed through this balance would not be this high. I am now being charged more in fees than my initial purchase. The failure to waive the fees as promised is unfair and an attempt to collect fees. Agents assuring me the balance would be waived is deceptive and now I am being charged another fee. In addition, I am now faced with paying fees I should not pay and am being penalized with a late reporting on my credit report.
Complaint sub-issue: Not given enough info to verify debt

I was contacted by I.C. Systems Inc around XX/XX/XXXX about a XX/XX/XXXX medical debt. I have not not heard about this debt so I wrote I.C. systems a certified letter requesting additional information and asking them to verify the debt. I have not received any responses, but instead, have received another collection letter threatening to escalate the issue to their attorney for not attempting to pay or resolve the issue, which is a lie. Today, I sent 2 more certified letters, one to their XXXX XXXX and another to their physical address. And, they reported this debt to the credit bureaus incorrectly showing a Date of Delinquency of XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing this XXXX  auto loan account for years now. I previously demanded that the CRA delete the late payments from my account. But the CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I am once again demanding you delete the late payment from the above account.
Complaint sub-issue: Problem getting your free annual credit report

My children and I visited XXXX is located in XXXX to unlock credit file and to recieve credit report as customer relation team advised me to submit XXXX failed to provide credit report and credit score. 
Attached files visiting XXXX and submitted in person, staff of XXXX scanned documents. 

Let me get my credit report and score ASAP.
Complaint sub-issue: Investigation took more than 30 days

XXXX & Equifax stated my account was properly Investigation but how is that possible if the open date is Inaccurate, the date last active is Inaccurate, and the date last reported is not accurate? This is ground for removal they also violated my rights under 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 an account without my written instructions. Below are the names of the original creditors, along with account numbers and a list of various violations. DEPEDXXXX Account # XXXX Violation 1 : Date Opened : ( XXXX ) XX/XX/XXXX Date Opened : ( Equifax ) XX/XX/XXXX Violation 2 High Credit Limit : ( XXXX XXXX ) {$1500.00} High Credit Limit : ( Equifax ) {$1100.00} Violation 3 : Date Last Reported:XXXX ( XXXX ) Date Last Reported:XXXX ( Equifax ) Violation 4 : Date Last Active : ( XXXX XXXX ) XXXX Date Last Active : ( Equifax ) XX/XX/XXXX DEPENDXXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX DEPTEDXXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active XXXX XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) DEPTEDXXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) DEPTEDXXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XX/XX/XXXX XXXX XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) US DEPT ED Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX US DEPT ED Account # XXXX Violation 1 : Account Status XXXX Indeterminate ( XXXX ) Account Status : Closed ( Equifax ) Violation 2 : Date Last Reported : XX/XX/XXXX ( XXXX XXXX Date Last Reported : XX/XX/XXXX ( Equifax ) Violation XXXX XXXX Date Last Active : XX/XX/XXXX ( XXXX XXXX Date Last Active : XX/XX/XXXX ( Equifax ) US DEPT ED Account # XXXX Violation 1 : Date Last Reported XXXX XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX Violation 2 : Date Last Active XXXX XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) Violation 3 : Payment Status : Collection ( XXXX ) Payment Status : 120 Days Late ( Equifax ) US DEPT ED Account # XXXX Violation 1 : Payment Status XXXX Collection XXXX XXXX ) Payment Status : Collection ( Equifax ) Violation XXXX : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 3 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX isn reporting as an inquiry on my XXXX report and i never applied to them on XX/XX/2023 ELAN FINANCI is reporting as an inquiry on my XXXX  report and i never applied for this company either, XX/XX/XXXX, XXXX,
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Banking errors

I had received a new bank account offer from Citi Bank in mail, directly addressed to me, around mid of 2019. 

One of the offers required me to open a checking and savings account package, deposit {$15000.00} in the savings account within 30 calendar days of account opening and keep it there for 60 consecutive days, and complete one qualifying deposit to the checking account for two consecutive months. I have Upon completing the required conditions, I was to supposed be paid a {$500.00} bonus by Citi Bank. 

I applied for the account online on XX/XX/2019. Upon submitting the application, received an email confirmation saying that it is under process and the bank will get back to confirm within 5 business days. Copy of email is attached. 

I received an email on XX/XX/XXXX saying that my account is now open and I can go ahead an deposit funds into my account. Copy of email is attached. 

I set up the required direct deposit soon after and deposited the {$15000.00} in my account on XXXX XXXX which got credited into my account on XXXX XXXX. Copy of bank statement attached. 

After that, I waited until XXXX of XXXX for my bonus. Upon noticing that I have not been paid the bonus yet, I called up the bank thrice. I was told that I will NOT BE PAID THE BONUS. The reason given was that PER THE BANK, THE {$15000.00} DEPOSIT WAS MADE AFTER 30 DAYS AS THEY CALCULATE 30 DAYS FROM THE DATE THE ACCOUNT APPLICATION WAS SUBMITTED AND NOT THE DATE WHEN ACCOUNT WAS OPENED. 

I believe I fulfilled all the conditions and the bank never provided any such special clarifications about the account opening date in their terms and conditions or fine print. 

Upon doing an internet search, I found many forums where people have mentioned one or the other strange reason for which Citi Bank had denied bonuses to people. 

They had my money for 5 months, and still have. There is some opportunity cost of the money which is the reason why I took the offer.
Complaint sub-issue: Information belongs to someone else

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. XXXX 3. Plaza Service
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX XXXX does not stop calling me even though I have a Bankruptcy in place. 
They continue to call repeatedly threaten me and need to stop by law. I have tried many times to let them know as well as sent them my bankruptcy paper work. They use false names as well as ghost phone numbers and I would like them to stop calling and harassing me. 

Attached is a copy of my last letter to them. I have sent a letter requesting them to stop in each name they have called under as well. 

Thank you XXXX XXXX XX/XX/XXXX Certified Return Receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  ( XXXX ) XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX Debt Collector : Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the States Attorney Generals office. Civil and criminal claims will be pursued. 
Attached is a copy of my Chapter XXXX Discharge Dated XX/XX/XXXX. 
Collection of Discharged Debts Prohibited The discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take any other action to collect a discharged debt from the debtor. 
A creditor who violates this order can be required to pay damages and attorney 's fees to the debtor. 
Should any information needed please contact my attorney at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( fax ) XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : XXXX XXXX XXXX , CA States attorney Generals Office, NV States Attorney Generals Office , Office of the XXXX County District Attorney , United States Bankruptcy Court District of NevadaXXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the attached accounts, 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: Trouble with how payments are being handled

I had called XXXX XXXX to setup a different payment plan /forebrance. I was under the impression the plan was approved and ready to go after we load connection on the phone. A month later they put on my credit report that I was late on payments. I called them up and they said when we lost connection it didnt go through. I asked them nicely to re set everything up and take the negative remarks off my credit report. They set up the new payments but refused to take off the negative comments on my credit. We are currently going through a pandemic and hurting peoples credit especially when it was an honest mistake, shouldnt be the way to do business. I am asking for the negative comments/ reporting to be taken off my credit since it was an honest mistake and given the circumstances.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.