Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

I rec 'd a email telling me Best Buy was going to charge me XXXX for renewal for coverage of appliance/PC repair. I never actually used any of it from XX/XX/XXXX - XX/XX/XXXX that I did pay for when buying my dishwasher. Attached below, and now expired, Their flagging they went ahead and charged it to my XXXX Credit Card in a email after the fact also attached! Never rec 'd a new service contract. This charge was unauthorized. 
I called the card 's number and requested they stop the unauthorized charge of XXXX and cancel my card. Their supposed to protect me with unauthorized charges and I was not paying for something I didn't authorize. 
They instructed me to call Best Buy also. I called, spoke to their billing office, the lady there told me speak to the XXXX XXXX also. I did and same message that I cancelled my card, I didn't authorize this appliance/PC coverage, and I'm not paying for something Best Buy decided to charge me for. All three parties did not instruct me to do anything else. 
Then I get a check back for XXXX from Best Buy XXXX ( attached check stub ). So I thought we're cancelled now and their was no explaination as to why I got this check. 
Today I get a bill from Citi - Best Buy - XXXX XXXX for XXXX ( XXXX difference on the original total, XXXX fees charged, XXXX interest and a total of XXXX balance. So the check they sent was a hook to use their check, pay interest and late fees! Says made a purchase on the back of the statement. I didn't purchase anything they did. 
I called XXXX and XXXX both of these numbers are the same recording. Useless! I don't have the card I destroyed it after I requested they cancel my card to all three parties. I also have a email they are refunding me See attched. That's the check I just mentioned above they sent me. I'm XXXX yrs old and feel their taking me for a ride and ignoring my cancel request from last month.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I received a letter from Citi Bank that I was enrolled in Balance Protector, an optional debt protection program, and was charged a monthly fee, and that I may be eligible for a refund. I moved and just received this information today which is XXXX. I called Citi Bank today and gave the CSR my reference number, and she stated that I had to respond by XXXX. I was one day late filing this claim ( because I moved ) and I feel they should let me submit this reference number to find out if I 'm eligible for any refunds.
Complaint sub-issue: Received bad information about your loan

My issue is with XXXX, the XXXX XXXX. XXXX XXXX major contracted loan servicing company. This is the loan servicer that borrowers are *forced* to use when attempting to have their loans forgiven via the Public Service Loan Forgiveness program . They are notoriously incompetent, and so I have exercised extra vigilance in monitoring how my loan payments have been handled. Even with my extra effortsand even though I've only been paying XXXX for a year and a halfthey have already massively bungled my PSLF. My complaints : 1. They have miscounted the number of of qualifying payments I have made towards PSLF. Despite direct debit, which provides explicit documentation of every payment I have ever made to them ; and despite the fact the I have only worked at one employer the entire time my loans have been serviced by XXXX other words, despite an extremely straight-forward PSLF situationthey have *still* miscounted the number of qualifying payments I have made, missing the mark by six whole payments ( months ). Calls to customer service have been fruitless and frustrating, and it took a call to the federal student loan ombudsman to receive the " secret '' phone number to an " escalated '' ombudsman who actually took the time to hear my complaint. 

2. In the process of sorting through the above, I discovered that, when XXXX XXXX consolidated and received my loans from my original servicer ( the much more reputable XXXX XXXX ), they neglected to take ownership of two of my original loans. I was not alerted to this fact. In fact, I was not made aware at all that they could possibly not take ownership of my entire debt ; I was only told that my loans had been successfully transferred. The result is that, for 13 months, I had two long-lost loans that remained at XXXX XXXX, that were going unpaid and unnoticed by me. I then spent 3 hours on the phone, with XXXX separate ombudsman ( at the federal level, at XXXX XXXX, and at XXXX XXXX ), and I still have no clarity on what I need to do with these lost loans
Complaint sub-issue: Threatened or suggested your credit would be damaged

I attempted to despuite this information on my credit report. And was informed that is accurate. In which it is not. I never had a cellphone with this company. I have had problems with my identity being used with out my knowledge in the past. my information was stolen a few years ago. And ive been having to deal with unknown accounts on my credit report from sometime know.
Complaint sub-issue: Inadequate help over the phone

On XXXX XXXX, 2015 I sent documentation to Equifax disputing Unauthorized Credit Inquiries, Removal of Outdated Information, and accounts that do n't belong to me. The documentation was sent certified in which Equifax signed for on XXXX XXXX, 2015. I did not receive any response from them in reference to my request which on XXXX XXXX, 2015 I sent them another letter advising them that thirty days have passed and they did not provide me with any information that I requested. I also advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit bureau, I requested that they immediately delete the information from my report. As of this XXXX day of XXXX 2015. I have not received any documentation from them in regards to any of my requests.
Complaint sub-issue: Information belongs to someone else

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, some time after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Complaint sub-issue: Account status

Ohio Department of Human Services has been incorrectly reporting my payment history and it is severely affecting my credit rating. They are showing collection history and payments up to 120 days late.
Complaint sub-issue: Problem with personal statement of dispute

I have reached out to Mohela several times in the past few years to update my credit profile for 2 late payments across multiple balances. These late payments were reported inaccurately and they are refusing to update to current. It has adversely affected my credit and what they are doing is absolutely fraudulent. I have no other means of getting this resolved other than going through with this complaint to report them for bad practices. Ive sent letters and emails to their Executive Director, but nothing. It is criminal and a horrible practice with the things they are doing regarding student loans just to make people lives miserable because they wanted to get an education to better their lives.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person. I am a living human being. I have rights under 15 U.S.C. 1681. 

EQUIFAX is governed by 15 U.S.C. 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 U.S.C. 1681 : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts. 

XXXX XXXX Account Number # XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX Inquiries : Name : XXXX XXXX XXXX  XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Name : XXXX - XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Complaint sub-issue: Information is missing that should be on the report

XXXX  notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view Equifax Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is allowing XXXX XXXX XXXX to do Hard Pull inquires every few weeks they are doing HARD PULLS Inquires without my permission or authorization. XXXX did HARD PULLS XX/XX/2019 and now Im showing another HARD PULL XX/XX/2019. This is illegal.
Complaint sub-issue: Account information incorrect

There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, XXXX and Equifax and they still said that I was verified, but it wrong because I the open dates also the card limit
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Dept of Education ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction
Complaint sub-issue: Account status incorrect

We Applied for and was approved for Covid forbearance, when we applied and was approved we were current on our fha mortgage. When we were coming out of forbearance they sold the account to XXXX, we worked out a loan modification with XXXX Fast forward to today we are selling the house involved, its under contract due to close XX/XX/XXXX We applied for and got denied for a new mortgage due to loancare the original loan company not reporting the payments as late but what they did do was write in the status more than 120 days late. This is the only reason our new mortgage was denied Per the Covid forbearance laws it was stated if you were current on your mortgage when you were approved, which we were then there will be no negative impact to your credit I have emailed and called loancare and have gotten nowhere on getting this resolved
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account ( 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: Debt was paid

XXXX XXXX is reporting a debt for {$880.00} on my credit report. This debt was resolved with the original creditor years ago. I have notified XXXX XXXX of this fact, and also disputed the account with XXXX, XXXX, or XXXX XXXX. Unfortunately, XXXX XXXX does not allow the credit bureaus to delete or properly update the account.
Complaint sub-issue: Problem with statement of dispute

I have a few problems lately with equalifax one is in XXXX they reported a change of address that drop me XXXX points which i have had the same address for the pass 5 plus years on my report then i dispute a collection iteam on my report which was remove then put back on so i drop XXXX points on my score plus there are XXXX judgments that are not on my our reports XXXX or XXXX and they are not my its unfair that i am being treated like this again my other credit report agency are reporting correct how exqulifax is reporting false information is unacceptable i been continuly been disputing these iteams with no resolved. What ever help your agency can do to restore my credit file will be greatly appreciate. Thank You XXXX XXXX
Complaint sub-issue: Threatened to take legal action

At the time of this I went to school at XXXX University and XXXX Ohio and during this time I was joining the XXXX my professor call me out in front of the class because my hair was XXXX and remove me from the class and told me never to show my face at the school again I was harassed and humiliated and the dean would not help me at all therefore I want to fight against this Federal Loan
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX Balance {$750.00}, {$510.00}, XXXX XXXX XXXX # XXXX These account are in error. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Complaint sub-issue: Public record information inaccurate

I am a victim of fraud and there are a number of errors that are reporting to my credit report including the reporting of a bankruptcy. I have disputed the inaccurate information in the past and have disputed directly with the court that advises they have no record of a bankruptcy being filled nor have they shared information of any person information to public record providers. I have been a victim for many years and have a number of inaccurate information reporting per FCRA only accurate information is reported.
Complaint sub-issue: Problem getting your free annual credit report

Im not able to access my Credit file or consumer report and I believe, I have been a victim of identity theft.
Complaint sub-issue: Personal information incorrect

While looking at my Equifax report, I saw that two addresses list are places that I've never lived Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX IOWA XXXX Equifax Former Address XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX I have been a victim of Identity Theft, but wasn't sure what option to select when filing this complaint.
Complaint sub-issue: Problem using a debit or ATM card

Pnc sent me a dormant card to replace an expiring card. 
Obviously, this did not work. Ive spent 2.75 hours with customer service, a branch visit, and one crying spell to be given a replacement that didnt work. 

I just want a debit card and it was refused. I wasnt given an attempt to escalate or to speak to someone who could assist. I hope this complaint will trigger action.
Complaint sub-issue: Was not notified of investigation status or results

As a result of the data break at Equifax, my personal financial information has been compromised, and I no longer know who has access to my most sensitive data. Equifax did NOTHING to notify me of this, and I had to learn through mass media channels MONTHS after the initial breach. 

This is simply unacceptable. Equifax has put both me and my family at risk. And the worst part is that I do n't know the extent to which we are endangered.
Complaint sub-issue: Account status incorrect

Validation letters were sent out to XXXX XXXX on XX/XX/2020 certified mail and was received on XX/XX/2020. The FDCPA states the company must cease collection activity until you have produced verification of the alleged debt if so requested. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. But today XX/XX/2020 the auto loan account on my credit was charged off or closed.
Complaint sub-issue: Funds not handled or disbursed as instructed

PNC BANK keeps playing hard-ball with a refund owed to me. PNC BANK had me submit over 3 times a dispute against XXXX TV Screaming TO THEN BLOCK MY DEBIT CARD WHEN THE VENDOR ~ XXXX TV ATTEMPTED TO REFUND ME {$130.00}. FURTHERMORE, On XX/XX/2021 at XXXX XXXX  ( REFERENCE CONFIRMATION CALL # XXXX ) a lady by the name of XXXX, OF THE XXXX LOYALTY DEPT., ATTEMPTED TO REFUND MY REFUND AND SHE TOLD ME SINCE XX/XX/2021 & PRIOR THEY TRIED TO REFUND ME FOR ALL THE GLITCHES WITH STREAMING TV, BUT PNC HAS HAD THE PLEASURE TO BLOCK MY REFUND. PNC ACTS LIKE THE MONEY IS COMING OUT OF THEIR VAULT. XXXX TV HANDS ARE TIED REFUNDING ME SINCE BEING BANK IS BEING UNETHICAL & UNPROFESSIONAL WITH THEIR LAME EXCUSES THAT THEY ARE IN THE RIGHT.
Complaint sub-issue: Account status incorrect

on XX/XX/2022, i received a letter from XXXX stating that the XXXX XXXX account on my credit has been deleted from my credit file because that account didnt belong to me. 
on XX/XX/2022 i received another letter stating that the XXXX milestone account has been deleted off from my credit file because that account didnt belong to me either. 
Although these accounts have been deleted they still remain on my credit accounts and it is affecting my credit score, i need these accounts removed because they dont belong to me.
Complaint sub-issue: Information belongs to someone else

I have found 4 accounts on my credit report that do not belong to me they are a bunch of different things that I have not signed or applied for. I have sent out a Identity Theft Report and also contacted the bureaus multiple times with letters after letter since XXXX of 2020 4 letters to be exact and they have not done anything about this. Please help me out XXXX XXXX XXXX XXXXXXXX - XXXX # XXXX Amt {$4200.00} XXXX XXXX XXXX XXXXXXXX - Act # XXXX XXXX {$4400.00} XXXX XXXX XXXX - Act # XXXX Amt {$180.00} XXXX XXXXXXXX - Acct # XXXX Am {$150.00}
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021 I filled a request to validate debt to Amerfinancial solutions certified mail. Amerifinancial did not respond in the 30 day period. Also they never responded. The debt amount is XXXX dollars.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please verified and update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$56.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Account status

In 2011 my doctot 's office submitted a claim to XXXX XXXX for {$220.00}. This bill was an office error in coding to my insurance company and was resolved and paid in full by XXXX. I visited the doctors office accounting today and they show no balance due. I contacted XXXX XXXX be phone today and they show no balance owed. They said to contact Equifax and have it removed, as it was removed or recalled by my doctor 's office. I do not owe, nor have I ever owed this bill since 2011.