Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard Inquiries are reporting on my credit report that I did not authorize. 

On XX/XX/2017, I provided authorization to Credit Plus to pule my credit report ONE ( 1 ) time. 

However, it seems Credit Plus went ahead without further authorization to pull my credit from XXXX, XXXX and XXXX on the following dates : XXXX : XX/XX/2017 or ( XX/XX/2017 ) or ( XX/XX/2017 XXXX & XX/XX/2017 or ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

I am not sure why each credit bureau shows a different date but either way, Credit Plus did not have my authorization.
Complaint sub-issue: Old information reappears or never goes away

For over three weeks I have tried to have Equifax remove dispute comments from two accounts on my file. They tell me they are going to take care of it and they would send me an email in 24-72 hours and the comments would be removed. I have waited several days and would not receive any email confirmation. These two accounts on my file I am no longer disputing and would like the comments removed. Every time I call I receive different information from the agents
Complaint sub-issue: Account status incorrect

I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with Equifax,  XXXX , and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.
Complaint sub-issue: Information belongs to someone else

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Complaint sub-issue: Reporting company used your report improperly

In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Complaint sub-issue: Debt is not mine

I received an alert from XXXX that someone posted a debt on my credit report. All clear tried to conference them in to me but they stated they needed my address to verify who I was. I would not supply my address I asked them to supply the address of the person they were collecting the debt from. XXXX stated it was for XXXX a bill for {$150.00}. I do not have any accounts with XXXX. The representative was rude and would not discuss the issue with all clear and myself on the line. I told them I researched their company and there were several complaints of scam billing. Since I would not supply my address to verify they would not discuss my account. I know it was because all clear was on the line.
Complaint sub-issue: Didn't receive enough information to verify debt

Best Buy / CitiBank failed to give notice that they had charged an inactive credit card and have charged me exorbitant late fees - Their records indicate that my name is associated with three different account numbers - An inactive card was charged - Company failed, after numerous calls, to locate debt - NOTE : that 2 offices of Best Buy credit services and Citibank NA Recovery department are involved 1. Purchased item at store for less than {$200.00} with credit card ( late XXXX XXXX ) 2. Received notice from XXXX XXXX ( XXXX ) that Best Buy card was more than 30 days late and that my credit score was down 3. Called Best Buy customer service at least 4 times ( XXXX ) and they verified credit card was up-to-date no late payments and sent me letter verifying that 4. Subsequently received letter from another Best Buy office that charge / late fees were valid 5. Called Best Buy customer service again. Gave them card number that was on second letter, which was different than card I use ending to make original purchase. Rep said this account was the same card, but then transferred me to manager 6. Manager claims store associate charged a card from 8 years ago 7. Never received a bill, email, or collection call for this charge. When my Best Buy bill is due, I get an email alert and pay with autopay on time every month 8. Cards were linked I received an email asking me to review all the current products I had purchased at Best Buy, including the most recent purchase, allegedly on another card. Best Buy could have reached me before charging late fees and contacting credit bureau 9. When I did finally get a bill in XXXX, with an altogether different account number, late fees had already been added totaling more than {$100.00} 10. When I tried to reach Best Buy again with this account number, they had moved the account to the Recovery department 11. Called Recovery department. Reps were totally uncooperative. I filed a dispute with them, which was never considered or even looked at 12. Received a bogus letter from Recovery department that said they needed more information. When I called back, Rep said that was an auto-generated letter and that they did not need more information just wanted to let me know they would not reverse any of the fees 13. I have received another bogus letter that my enrollment in an Enhanced Debt Protection program was canceled and that I should call them. I was never enrolled in such a program 14. I now owe more than {$600.00} for a purchase that was less than {$200.00} and my credit is ruined 15. Please help 16. I can supply documentation for any of the above claims
Complaint sub-issue: Didn't receive enough information to verify debt

in XXXX i changed cell phone carriers. i was told i had to pay {$750.00} for a device and turn another device in and this would cancel my service with the then carrier. i complied with this request. on 4 separate occasions i went to the mobile carrier to turn the final piece of equipment. i was told after the 4th try that the store would not accept the device and that a box would be sent to my home. once i received the box, i could return it to the carrier. this never happened. when i spoke with the company yesterday i was told that i owed them over {$2000.00}. i asked what the {$2000.00} was for and a very rude man told me that i had no options and that i either needed to pay the money or risk my credit being affected. i followed al the proper procedures for cancelling the service. i could not return the phone because they would not accept it. i am asking for clarification on what the charges are for and how we can come up with an amicable settlement/solution.
Complaint sub-issue: Debt is not yours

This debt pooped up on my credit report I have no knowledge of this debt. I need this removed from my credit report because it is affecting my ability to purchase a home for my family.
Complaint sub-issue: Debt was result of identity theft

I received a letter from XXXX XXXX XXXX law firm out of XXXX, GA stating I owed a debt of {$3200.00} for a Best Buy VISA card ( Citibank NA ). Account ending in XXXX. XXXX XXXX  # XXXX. I attempted to call the law firm on XX/XX/XXXX ( left VM - no return call ), and XXXX multiple times. I was told on XXXX that a Mr XXXX was my case manager and forwarded twice to his voicemail which dropped me back at basic recorded message. I could not leave a message. I then ran my credit report and found out more information. The card was supposedly opened on XX/XX/2018. I called Best Buy/Citibank and they said I would have to deal with the law firm. They provided an additional number and I left a voicemail. This is not my debt.
Complaint sub-issue: Account status incorrect

On XXXX of 2021 my student loans with XXXX  XXXX servicing were transferred to cornerstone lending. I then refinanced them with XXXX. The account still shows as open on my Equifax credit report. Both XXXX and XXXX have updated my credit report to show the accounts as paid and closed. Unfortunately Equifax refuses to do so. I have submitted multiple requests to them to update my credit report and they continue to deny the request. I have included a letter from XXXX servicing showing the accounts have been paid in full and are closed with a {$0.00} balance.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am a  XXXX   XXXX  percent  XXXX   XXXX  an having trouble with Equifax. I submitted the  XXXX  to them to have a collection removed. When I called they told me to fax it to them as I did and was told it would be removed in   XXXX   XXXX   hours. I wait  XXXX  days and it was still there. I called back and then they are refusing to remove it and saying they will just keep it in my file.
Complaint sub-issue: Trouble with how payments are being handled

I called NelNet on XX/XX/27 to ask for a refund of payments made on my account during the pandemic per the CARES act law. Customer service told me they would submit a written request and I would see a check in the mail in 4-6 weeks. On XXXX I received and email from nelnet saying my refund was denied due to missing information and to email support or call for more information. I emailed them back and it came back as invalid and I noticed the email address they provided me was not spelled correctly. I fixed their spelling error and asked for more info, to which as of today, they have not replied. I called NelNet on XXXX for clarification and they told me they forgot to get verbal confirmation to reinstate my loans and would submit another request. I asked if that would start the process again. They said yes and that I wouldn't be notified if it was processed for another few weeks. She said this has been happening for a lot of people. NelNet seems to be purposely delaying getting people their refunds and have not been following the correct protocol in completing these requests.
Complaint sub-issue: Indicated shouldn't respond to lawsuit

I received letters from XXXX XXXX XXXX XXXX ( Indiana ) in XXXX and XXXX stating that I owe a debt in the amount of {$3900.00}. I disputed the debt in XXXX and XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX filed suit in Indiana XXXX Court. XXXX XXXX, there was a hearing I denied the debt. I asked for XXXX and found out that XXXX and XXXX ( Not Located in Indiana ) are actually suing me. AT NO TIME did XXXX XXXX XXXX XXXX make it known that they are representing XXXX. XXXX of the documents from XXXX XXXX XXXX XXXX, states the client is XXXX XXXX XXXX and the Original Creditor is Discover Bank. Another document from XXXX XXXX of Discover Bank dated XXXX XXXX, XXXX states " findings were forward to Attorney XXXX XXXX XXXX. Never once has any of Discover Bank 's documents listed XXXX XXXX XXXX XXXX as the attorney. I requested " terms and agreement, '' contract between XXXX XXXX XXXX XXXX and Discover Bank, contract between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and between Discover Bank and XXXX XXXX XXXX. I have not received any documents giving XXXX XXXX XXXX XXXX or XXXX XXXX XXXX the legal right to sue me. There is no contract, terms and agreement, no credit card statements for XXXX, XXXX and XXXX they ca n't provide me with any proof of transactions XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX FAILED to name all necessary party and misrepresentation. I do not know who the real lawyer is and feel it is illegal practice.
Complaint sub-issue: Trouble using the card to spend money in a store or online

A {$75.00} charge from XXXX XXXX on XXXX was cancelled but Optum Mastercard debit card won't return my balance back to my card. I had a three way phone call with myself, XXXX XXXX and Optum bank on XXXX that I though had cleared up this matter but as of today XXXX their has been resolution. Customer service tells me that matter has been expedited but no one has tried to contact me. Nor have they credit back my {$75.00} please help.
Complaint sub-issue: Information is not mine

Hi, I was recently on credit karma reviewing my information and I noticed XXXX hard inquiries, as well as a credit card opened apparently in my name with {$950.00} tacked onto it. Until today, I have never heard of the bank nor opened any new accounts, seeing as I am deployed XXXX at the moment. 
Please help me resolve this. 
Thank you
Complaint sub-issue: Public record information inaccurate

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you and all credit agencies, equifax, XXXX, XXXXXXXX XXXX XXXX, etc. as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. these debt collectors failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, 15 USC 6802 unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

I require the following accounts be verified or removed immediately XXXX Ref # XXXX XXXX Ref # XXXX
Complaint sub-issue: Account status incorrect

I am disputing this company because they are negatively reporting on my credit report and the account is supposed to be closed. 

I used their financial service to buy a puppy and in there contract it clearly states if the animal is lost, stolen or dies before contract is paid in full, the contract would be terminated and closed at the point if they were notified. I have written this company several times letting them know the animal was lost/stolen from my backyard and this contract should be closed and they are still reporting negative to reporting agencies. This is a breach of their own contract that they sent me and wrote themselves. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. with that being said since company is negatively reporting false money owed and in breach of contract, I am forced to take Legal Remedy for a Breach of Contract. You have 30days to close the account and remove all negative remarks from my credit report and mark account as closed or due to my Rights Under the Fair Credit Reporting Act, I shall start issuing FCRA Violations of {$1000.00} per violation and {$5000.00} for Punitive damages and Actual Damages for harm that has been caused to my credit report, and stress it has put on me financially. Please be advise if not removed I also will be adding in Attorney fees and court costs and since this is a breach of term clearly stated in contract we also will demand a full refund be issued for monies paid and want account closed immediately with XXXX balance and no negative remarks.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Once again, CITIBANK is avoiding the truth in how they mismanage accounts. I am DEMANDING CITIBANK provide a fully executed copy of the credit card agreement indicating the precise section within it where CITIBANK is permitted to cut a debtors credit limit to below the debtors current balance. 
In doing so, it makes it appear the debtor is in violation of the credit card agreement relative to having a balance over the card limit. 
I NEVER exceeded the limit placed on my card. CITIBANK arbitrarily reduced this limit in an effort to place the card into collection status. 
This allowed them the minimum amount of feigned effort in working with an unemployed American not eligible for collection of ANY state or federal financial assistance.

This behavior by CITIBANK represents complete consumer fraud and I will expect this document in my effort to restore the credit damage placed on my once stellar credit profile. 
My suspicion is that due to my surname and being a minority, CITIBANK chose to consider me a credit risk in spite of my past decades of responsible credit use.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/XXXX, I received a threatening call from XXXX XXXX of XXXX XXXX XXXX ( supposedly an arbitrator for Cashcall ) at XXXX. Threatening to file paperwork with the courts for a warrant and lien on my sister 's home ( by next Tuesday ), allegedly because her name was on the application as a co-applicant for a payday loan, but did n't have the information for the loan. She offered settlement arrangements on a {$5000.00} debt to avoid court but would not accept that I wanted it done in writing and that I would not be putting anything on a credit card. Hung up with an " We 'll see you in court ''. Then called my sister and told her to make a deal to avoid losing her home, even telling her that she should file a police report against me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These companies completed hard inquiries under my name without my authorization. I do not consent to the inquiries. 

XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX CBCINNOVIS Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX 5 Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX
Complaint sub-issue: Debt is not yours

Enhanced Recovery has sent collections documents to me in reference to XXXX an account that I did not have nor have did I authorize this account. When I sent a dispute letter Enhanced Recovery sent me statements from XXXX but nothing showing I have conducted business with them. I have also asked for validation of this so-called debt. Enhanced Recovery nor XXXX have an actual contract that I have actually personally signed. Pursuant to 15 U.S.C. 1692g ( 4 ) ( 5 ) A contract is not validation, since I'm the alleged owner of said debt only I can validate the debt since there is no original collector of this debt there is no one other than myself that can validate that information is accurate and valid. This third party can purchase a debt but not the personal information attached.

Pursuant to 15 U.S.C. 1692g, a statement does not prove that the debt belongs to me.

I have never physically signed a lease or contract with anyone from the original creditor office nor your agency, so I need proof of how I owe this money. Especially for an account that has been transferred to a debt collector so whether I did or did not owe any money I no longer owe money to this creditor but its still showing a balance due. A statement from the original creditor or statement from your agency is not proof of a contract nor an agreement. 
Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX  to XXXX, XXXX, and XXXX  requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Complaint sub-issue: Account information incorrect

I have written to Equifax several times pointing that their reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information.
Complaint sub-issue: Account information incorrect

We have sent letters documenting the inaccurate information. The verified with the creditor and said all of the information is correct. They did not do any investigation other than asking credit acceptance. This is against the FCRA regulations.