Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

We received a letter from ERC to collect in error a " balance with XXXX XXXX XXXX remains unpaid ''. XXXX XXXX XXXX worked out a final payment which was made over a year ago. Per XXXX XXXX XXXX and the Alabama Utilities Commission there is no balance due. Taking our valuable time to address this claim is causing harm to our household.
Complaint sub-issue: Their investigation did not fix an error on your report

MY NAME IS XXXX XXXX AND I HAVE BEEN A CITIBANK CUSTOMER FOR OVER 5 YEARS. AND I HAVE ALWAYS BEEN A RESPONSIBLE PERSON ESPECIALLY WHE IT COMES TO MY CREDIT CARDS. MY XXXX SCORE HAS ALWAYS BEEN OVER 730. BUT UNFORTUNATELY IN XXXX OF XXXX I WAS XXXX  AND WAS IN THE XXXX  DUE TO THE FACT THAT I HAD TO BE XXXX XXXX. THEREFORE THE PAYMENT WAS LATE FOR THE MONTH OF XX/XX/XXXX. LUCKLY EVERYTHING IS OKAY WITH MY HEALTH AND I WAS RELEASED FROM THE XXXX. IN XXXX I REACHED OUT TO CITIBANK AND EXPLAINED MY SITUATION, SPOKE WITH 3RD LEVEL SUPERVISOR AND AS OF XX/XX/XXXX THE DECISION WAS OVERTURNED AND THE LATE PAYMENT REPORTING WAS REMOVED FROM MY CREDIT PROFILE. I AM ATTACHING THE LETTER I HAVE RECEIVED FROM THEM. BUT THE BUREAUS WILL NOT CHANGE THE REPORTING BECAUSE THEY ARE TELLING ME THAT CITI BANK IS STILL REPORTING THE ACCOUNT WITH A LATE PAYMENT.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/2020 my student loan payment was due. For the first time ever I saw a red text below my payment saying it was past due. Payment was not taken out until following Tuesday. I reached out to their fed loan XXXX page. They messaged me back said someone would reach out to me. On Thursday I got a call I did not recognize. I got a voicemail apparently from someone from fed loan. They wanted me to call them back at XXXX which I did but it sound like a scam because the first thing I heard was a voice recording saying were excited to offer you a special promotion followed by the question of is someone in your house 50 years or older. Also this person called from a different number XXXX. Im in the public student loan forgiveness program.. I do not want fed loans system errors disqualifying me from the program. I make my payment on time every time! They still have not proved to me that this issue is resolved. Please help make sure their business practices or more thorough so I can get an answer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am listing the Inquiries I don't recognize below for immediate Deletion and Removal from my Credit Report. 
XXXX XXXX  TYPE OF BUSINESS - DATE OF INQUIRY XX/XX/2021 EQUIFAX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XXXX XXXX XXXX TYPE OF BUSINESS BANK DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX PERSONAL LOAN COMPANY DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX  XXXX TYPE OF BUSINESS HOME/OFFICE FURNISHINGS DATE OF INQUIRY XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, I purchased a XXXX dishwasher and related services from Best Buy in the amount of {$1200.00} on a My Best Buy credit card issued through Citibank. The item had incorrect dimensions and was returned to Best Buy before I took delivery of the item. 

I have a paper receipt and an electronic receipt ( see attached ) confirming that the item was returned. I also had an individual from Best Buy wait on hold with me for more than 30 minutes to inform My Best Buy credit card issued through Citibank that the dishwasher had been returned and was in stock at the Best Buy on XX/XX/2020, which was ten days after the item was returned. This ten-day period initially exceeded the time I was told the issue would be resolved. I opened a dispute with Citi and they informed me that the disputed charge would be 'resolved as quickly as possible. ' I was informed that could take up to 48 hours, and then, 48 business hours, and six days later, 'more time than 48 hours ' ( I spoke with XXXX Team # XXXX at Citi XXXX. The item still appears on my bill and I would like a full credit for the item ( see attached ) which I do not own.
Complaint sub-issue: Information belongs to someone else

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  reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : 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 Therefore, the following companies have have violated my rights. 

XXXX XXXX Original loan amount {$140.00} Account number XXXX XXXX XXXX Account info Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX  Account number XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX keeps posting in accurate data to my credit report. I have complained about this numerous times and as you can see from the documents attached the first delinquency dates are the same theyre not mismatched. XXXX XXXX XXXX is maliciously posting an accurate data which is not fair consistent and accurate based on the fair credit act. Also XXXX XXXX XXXX is posting under comments the word medical on one account but not the other another violation of the fair credit act
Complaint sub-issue: Can't use card to make purchases

I opened cash app account a couple of weeks ago I just got debit card in mail I'm now without minutes on my phone I had to order a new XXXX XXXX XXXX card cause mine was lost for ,4 days we have been without food this card has XXXX on it and we need it I don't have the phone attached to it the debit card number attached to it but I got a new XXXX XXXX card and a XXXX XXXX XXXX number I've sent cash app copies of everything and they just ignore me let them go hungry 4 days see how they feel,!! Please help me I will send u anything u need. Thank I so much I'm glad I bumped in to u. 

Sincerely XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX recently sued for the improper use of consumer credit file information, including information that is not shared with this entity. 
I requested a disclosure report and received a letter stating the process by which they gather information from credit bureaus and other government entities. The problem is that I requested a letter seeking validation of the information listed on this consumer report with their company. Of which, I did not receive. 

A Consumer Alert Security Freeze Identity Theft Security Date Placed XX/XX/XXXX A request to opt out of their consumer reporting agency was sent on XX/XX/XXXX. I received a copy of the consumer report by mail on XX/XX/XXXX. 

XXXX XXXX & XXXX has a XXXX Bankruptcy listed as Dismissed. XXXX XXXX Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Does not share or validate the information with third parties. This information could not be validated using personal, or identifiable. 

XXXX  has violated my right to privacy. I requested to Opt-out as well as suppress the information in their database and unfortunately, they have continued to maliciously use my personal inforamtion causing reputational harm when applying for homes.
Complaint sub-issue: Account status incorrect

In response to my previous complaints, the company added comments on my Equifax report to include " Repossession, Paid by collateral '', effectively making this matter worse. In my previous complaint, I uploaded a bank statement to prove that I made a {$5000.00} to settle the account. This company is proving themselves to be malicious or incompetent, I'm not sure which. 

Im uploading screenshots of how this account is being reported to all three Credit agencies. To be clear, its the " Reposession '' account status that needs to be rectified. Additional ( and false ) comments by the creditor will not fix the status of the account, and my fico score thereof. Also, it is being reported this XXXX and XXXX of 2022 ( with XXXX ) as a repossession when this account was in fact, settled in full more than a year and half ago.
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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit 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 XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX , OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Some Law Firm in NY claims to have a debt that I did not pay and a UCC lien on my Cash App they have blocked.

I have gone to the North Carolina Secretary of State site to check the business info that I had. My business was dissolved during the Pandemic and it closed. There is not such law firm that I ever did business with.

Below is the strange communication that I recieved in an email from Cash App. They are holding my money hostage for a debt that I do not owe and they will not send me any proof of the debt.

Hi Dr , We are writing to inform you that your Cash App account has been put on hold due to a UCC lien notice.

What does this mean for my Cash App account?

A creditor is enforcing a lien filed against your businesss receivables, which identifies you as a secured party. This lienholder is seeking repayment for a debt. They have taken action by sending notice of the lien to us, either directly or through a law firm or debt collection agency.

What happens next? 
Were obligated by law to place a hold on your Cash App account. This means that you wont be able to transfer any funds from your balance. All funds will be held in your Cash App balance until we receive one of the following : 1. A release agreement from the lienholder directing us to lift the hold on the account.

2. A court order or other documentation that authorizes us to release the hold on the account.

What do I do to resolve this?

UCC liens must be resolved between you and the lienholder. You may be able to work out a solution by contacting them directly. If you reach an agreement, the lienholder will need to send a copy of the release agreement directed to us instructing us to lift the hold on the account.

Heres the contact information we were given about the lienholder : Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, New York XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Sincerely, XXXXXXXX XXXX XXXX Please note that on XX/XX/2021, Square , Inc. changed its name to Block , Inc .
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent ( XXXX, Equifax, and XXXX ) a letter disputing inaccuracies and unlawful practices concerning my credit report. According to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I am a victim of covid 19 and by LAW they should have never put them on my report. 

In addition another unlawful act by ( XXXX, Equifax, XXXX  ) is violation of 15 U.S. Code 1666b. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These companies are also in violation of 15 U.S.C. 1692g. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 



Because you have failed to acknowledge my disputes a lawful remedy will be had and I will be in pursuant of 15 U.S.C. 1692k for {XXXX} per violation for : 1. Unverified/ Inaccurate Reported Late payments XXXX XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 2. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date Payment Status XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 3. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date of Last Payment XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 4. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 5. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 6. Misleading False Reporting Unverifiable/ Inaccurate Date Last Active Date Reported Date Opened XXXX XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 7. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed
Complaint sub-issue: Information belongs to someone else

Accounts in question : DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX Thank you for responding to my previous complaint through the CFPB Complaint Portal. In your response, you have somehow come to the conclusion that I indicated inaccuracies reporting on my credit file and the inaccuracies have been verified by the furnisher.

Upon further investigation of the accounts reporting on my credit report, I have found several inaccuracies in the payment history, balance updated date, and status not matching with XXXX which will be attached. I have submitted the same complaint to XXXX and they removed the accounts from my report because of the inaccuracies. This has given me the consumer more reasonable cause to believe that this information is inaccurate and according to 15 USC 1681s-2 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.

At this time, I am requesting to have the late payments be removed indefinitely from my credit report and I would like an updated copy of my credit report sent to the address above once the late payments have been removed. I eagerly await your response!
Complaint sub-issue: Frequent or repeated calls

I've been receiving a call from this phone number for CitiBank every day on my work direct line. It is always an automated call. I tried calling CitiBank. I have never had any affiliation with this company what so ever. It took serious digging to find a number that would put me in touch with a human rather than a machine. They told me I needed to register on the do not call registry. I tried registering my work number with the National do not call registry; however, when verifying, their database picks up our 1-800 number and not my direct line. Therefore, it is impossible to register my direct line with the National do not call registry. They also confirmed I was not the person they had intended to contact, but they could not take my phone number off their call list. I received a call on the following dates and times:

XX/XX/XXXX XXXX
XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX
XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX XX/XX/XXXX XXXX
XX/XX/XXXX XXXX XX/XX/XXXX XXXX
XX/XX/XXXX XXXX

Today is XX/XX/XXXX XXXX.

I've been in touch with the company IT team. They will have to change my phone number because of this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting a complaint to you today to inform you that this unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, Bankruptcy XXXX XXXX Discharged XXXX Date Filed XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX XXXX, XXXX credit card, XXXX XXXX Bank, XXXX XXXX XXXX XXXX Bank XXXX as well as Sunrise LA and XXXX XXXX are all reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the FCRA.