Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I applied for a Citibank AA credit card in XX/XX/XXXX. I never received a card in the mail or credit card statement in the last year. Turns out they did not have my mailing address. I get a phone call from credit card company claiming I owe a {$99.00} membership fee on XX/XX/XXXX. I have called to clear this up on over 10 occasions. They have claimed to close my account, and said I do not owe anything. But I am getting phone calls and emails from their collection agency. I refuse to give them my mailing address. The credit card company admits I never received the card.
Complaint sub-issue: Card opened as result of identity theft or fraud

i have been a victim of identity theft and have been working on this for several months. I have been disputing an account on my credit report from a XXXX with Equifax and have sent several certified letters. They keep stating that this account has been verified which it can not be verified when its not mine. i am now to the point of a lawsuit agaist them if its not deleted. this is my 6th attempt and every time I attempt to dispute it with Equifax I get a updated but not deleted! the can not verify a fraud acct unless they are crooked theirselves. I need the original contract signed so I can prove that this is not mine Thanks XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was paid

XXXX XXXX Why Not Lease It, based in XXXX OH, has called me several times for several the last several days prior to XXXX am local time ( Mountain Time Zone ). In total, I have received 17 calls before XXXX am local time ( Mountain Time Zone ) over the last 6 business days. I have called them back and am told it is an attempt to collect a debt. While, I full acknowledge having an open lease agreement with the organization that has been and is current, never once late or delinquent, I have no past due amount. Further, when I spoke with a gentlemen today, and asked why they were calling me at this hour, I was told " pay your bills and we won't call you. '' At that moment he went into his this is an attempt to collect a debt and all information gathered will be used to collect the debt referenced. I demanded to speak with a manager. I was turned over to XXXX at that time and made mention that I knew that they were violating the law. He said yes your right. The purpose of the call was a " WELCOME CALL '' not to collect a debt as I was informed. Sadly the same welcome call was completed on XX/XX/2020. I have asked several times to stop these calls and am told they can and will not. At this time, I ask that they been investigated and punished accordingly. I plan to speak with legal counsel today on this matter and will seek further personal legal remedies on this matter including damages.
Complaint sub-issue: Reinserted previously deleted info

XXXX reports that I opened an account in XX/XX/XXXX. I opened no accounts of such type in XX/XX/XXXX. The account was opened in XX/XX/XXXX. They illegally changed the date of opening this account.
Complaint sub-issue: Was not notified of investigation status or results

I have attempted to dispute erroneous accounts on my credit reports with Equifax, XXXX, and XXXX  but have never received a response from the credit bureaus. I have attached the latest letters sent to the credit bureaus. Below are the certified mail receipt numbers for evidence that the credit bureaus have received the letters. 

Certified mail receipt numbers XXXX XXXX  XXXX XXXX XXXX Equifax
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting a chargeoff on the XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Other problem getting your report or credit score

I keep getting this message when trying to access my credit score. 


Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Prior toXX/XX/XXXX, I lost my job Due to COVID and was surviving strictly off of my savings. I was unable to pay the minimum payments on my Macys credit card. About a month later, I got employed and began making more than the minimum payment required on the card. My balance went from {$1400.00} to {$100.00}. I contacted the Macys credit department and explained that I was going through financial  hardships at the time, and would like to know if they could move the negative reporting from my credit. I was advised that even because of my financial hardship, they could not remove the reporting. They did however waive the derogatory reporting and sent me a letter waiving it. This letter however does not change my credit score. Im currently working towards purchasing my first home and Id like to have excellent credit by XX/XX/XXXX. Having this payment on my credit report makes it harder to reach my goal. I think Ive proven myself worthy of making payments on time and would like for the one late payment to be removed. Attached to this is the letter I received from Macys waiving the late payment.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX and on XX/XX/XXXX XXXX ran an unauthorized check of my credit report. My cellphone is registered through my company and somehow they ran credit inquiries without my authorization. 

XXXX XX/XX/XXXX Utilities And Fuel XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/XXXX Utilities And Fuel XXXX   XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Investigation took more than 30 days

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. 
I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. 
I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX i sent by certified mail to Receivables Management Systems a letter to validate a debt they have been reporting on my Credit Report Since XXXX. They failed to respond to me at all. On XX/XX/XXXX, a dispute was started with XXXX, they quickly verified this account with XXXX and continue to damage my credit with this unvalidated information. On XX/XX/XXXX Received a letter from RMS SAYING THEY NEEDED TIME TO VALIDATE THE ACCOUNT BY REACHING OUT TO THE ORINGINAL CREDITOR, ON XX/XX/XXXX I CALLED RMS AT XXXX A.M TO DISCUSS THIS, RMS CONFIRMED ON THE PHONE TO ME THEY COULD NOT VALIDATE THE ACCOUNT, BUT STILL REPORT THIS HARMFUL INFORMATION ON MY CREDIT ACCOUNTS. I SHOULD NOT HAVE TO CONTINUE TO SUFFER ANY LONGER BECAUSE OF THEIR FALSE REPORTING PRACTICES. I REQUEST THE NEGATIVE ACCOUNT BE REMOVED DELETED FROM ALL CREDIT BUREAS IMMEDIATELY. ALSO THEY SHOULD BE FINED AND I AM REWARDED MONETARY DAMAGES. RMS ALSO LIED AND SAID THEY DID NOT RECEIVE MY ORINGINAL XX/XX/XXXX REQUEST BUT IT WAS SIGNED FOR BY THEM. THEY ONLY RESPONDED TO THE XXXX DISPUTE ON XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX I entered in Bankruptcy Ch XXXX. 
In XXXX I looked into my credit after being refused a job based on my credit report and found that 1 account was still showing as a collection, and was also updating the amount with added interest. I disputed this with XXXX  and they deleted it because it was being reported incorrectly. I have disputed this account 6 times including 1 reinvestigation, the next and last dispute included the paperwork from my bankruptcy attorney as proof to them and within 1 week I was told again that I was wrong. I understand the 30 days to respond but they do not seem to take the time or willpower to actually report this account correctly. This collection along with bankruptcy has cost me in high insurance payments and the ability to obtain employment.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX  XXXX XXXX Original creditor : Account number : XXXX XXXX XXXXhas violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Received bad information about your loan

I am a student loan borrower that is eligible for the Public Service Loan Forgiveness Program ( PSLF ), with loans serviced thought FedLoan. I will have been working in public service through a 501 ( c ) entity for 10 full years at full time in XX/XX/2022. As payment counts are being updated through the PSLF waiver and expanded TEPSLF program, dozens upon dozens of people have been reporting online that many of their hardship forbearance or deferment months when no payments were made have been included in their updated counts and are either bringing them closer to having their loans forgiven or are already having their loans forgiven. On the other hand, many ( myself included ) are hearing from FedLoan that those forbearance months DO NOT count and have not had them applied to our official qualifying payments. I have been documenting each instance of the opposite happening - of borrowers having zero payment months under forbearance or hardship counting.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 instructions
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 A 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: Old information reappears or never goes away

I have a foreclosure from 8 years ago still on my credit report that should have been removed due to the amount of time that has passed. The mortgage loan was through  XXXX   XXXX . The account has been closed for some time now. I would like it off my credit report. I submitted a dispute through   XXXX   to have it removed but they did not remove it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In an attempt to pay a {$2500.00} vendor invoice received via XXXX, upon checkout I was solicited by XXXX to utilize the XXXX option for the billed amount. 

Upon applying for the solicited proposition, I received a notification that additional information was required. 

Upon calling XXXX, I was notified by their representative that the amount requested was not within range of the allowable limits within the program and that the cap was {$1500.00} I was more than welcome adjust my amount requested down to the allowable limits of {$1500.00} XXXX explained the problem in this was that I'm very credit conscience and the negative impact I'm facing is a new a inquiry for each of the three credit bureaus, lowering my credit score as a result of the solicitation for an amount under their program that I was never eligible for. 

My request was that the hard inquiries be removed as I was solicited under a false/unclear pretense of " bait and switch. '' The response received was along the lines of ( paraphrasing ) " You'll know better next time; you should have read the fine print before applying '' " Caveat emptor - or " buyer 's beware '' in a sense. 

I explained there should be such a necessity when your company solicited me directly for the amount that was clearly disclosed on the invoice for an amount that you knew exceeding the guidelines of the program. 

After a few rounds of attempts to convince me to apply for the available {$1500.00} to which I vehemently denied as I had other payment options, I requested to speak to a manager. 

The manager XXXX would not address the reason I was solicited in the first place and backed up the position that the hard inquiries could not and would not be removed and after a long pause, he just hung up.
Complaint sub-issue: Can't close your account

I previously opened a checking and a saving account with USBANK. I sent an email on XX/XX/2018 to USBANK to close the account. 

However, USBANK failed to close the account and did not respond to my emails. It, however, kept charging service fees on the account and, until the balance turned negative, closed it. I have contacted USBANK customer service over the phone early this year to resolve that and it has never been resolved. My online access is also disabled. 

I received a phone call from USBANK today, informing that I am still responsible for the debt. They denied receiving any emails from me requesting the closure of the account. I have attached a copy of that email.
Complaint sub-issue: Information is missing that should be on the report

I have an active XXXX account that has been in good standing for 13 years which was previously being reported but now its not. Ive contacted the credit bureaus as well as XXXX. But my issue has never been resolved its been about 2 years.
Complaint sub-issue: Their investigation did not fix an error on your report

Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Learn more about your major rights under the FCRA. 

CLEARLY STATES IN THE WEBSITE THAT FCRA PROMOTES ACCURACY, FAIRNESS AND PRIVACY OF INFORMATION IN THE FILES OF CONSUMER REPORTING AGENCIES!! IF YOU CHECK MY CREDIT REPORT THERES NOTHING ACCURATE ABOUT IT!! DATES ARE INCONSISTENT, AMOUNTS ARE INCONSISTENT ..THEY HAVE BEEN RESPONDING THAT ITS ACCURATE IM WONDERING WHAT ARE THEY INVESTIGATING, ITS NOT MY REPORT BECAUSE MINES IS FULL OF ERRORS!! AND IVE PROVIDED EVIDENCE .... PLEASE LOOK MY REPORT AND DECIDED WHAT YOU SEE!! IM TIRED OF GOING BACK AND FORTH AND NOTHING GETS DONE!!
Complaint sub-issue: Problem using a debit or ATM card

I was scammed out of {$4800.00}. There are people pretending to be employers. They are on indeed imposing people who are not aware of scams. There were plenty of times my bank could have informed me, but instead they decided to send me out a letter dated the time and date the transaction went through. They say in the letter we are holding your check due possibly no payment. That letter would have not gotten to me until the XXXX, which to me is no safety For what happened. Also, I reached out to XXXX where I sent the orders through, to cancel the shipment & return to sender. I advised of the scam to both XXXX & my bank. XXXX still released the package to the imposed scammer. Some people are not aware of scams. Especially if youve never been scammed before. My bank keeps telling me that I authorize the transaction even though I didnt. Had my bank told me that the check was fraudulent right then and there, would have prevented this whole altercation. There are many people who are getting scammed and it seems like there is no way of recovery. I have proof for every thing that has happened. And just want to resolve this to the best way possible.
Complaint sub-issue: Old information reappears or never goes away

charged off CHILD SUPPORT is still reporting on my credit report as a negative. It should be off my report
Complaint sub-issue: Account status incorrect

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report ... XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX  XXXX, UNKNOWN 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: Information belongs to someone else

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, MI XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have been on hold to with Shop Your Way Sears ( aka Citi ) to suspend my payments due to Corona related income reduction for about 3 hours. Someone finally picked up and told me that if I place my card on forbearance my account will be closed. I asked how long the forbearance would be for and she told me I could not be given that information unless I was willing to close my account and that it would not be reopened ever. She then put me on hold again with dead air appearing to make it look as though I'd been disconnected. Finally, she returned to tell me I was being put on hold again awaiting talking with an account manager. My experience with this makes it clear that this credit card company is resentful in providing forbearance as the subtext of the conversation is actually a threat of forbidding future credit and making it so onerous it would be seemingly impossible to get done without and extensive time investment. I do not think it is the intention of the Care Act to treat people as bad credit risks and or make it impossible to later procure credit and require enormous effort to exercise the benefits it offers. This credit card company needs to immediately institute and easily accessible online application, complete with all details of how long the forbearance will be and how the paused payments will be handled once the forbearance is over. While writing this I finally was given a person to speak with who then told me at this point I could have my account shut down with no information on what that would mean and how it would impact me or my credit or I could call back at some future date and wait on hold again for many hours to see if their management had made decisions and made actual forbearance options available. Clearly, this company does not want to play, or comply with the spirit of the Care Act and is willing to make it impossible for people to benefit by it.