Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Add-on products and services

I 've contacted Best Buy numerous times regarding my refund of being enrolled in thei r Debt Protection  program. I was told my account was sent to the Accoun t Maintenance Depa rtment to issue a refund within 30 days.     Th e Debt Protection Customer Service Department or Best Buy Credit Card Services can not provide any details/ status updates on the refund. I '  m continuously passed between the two different departments with no results or solution.      It appears I was unknowly enrolled in this program on  XXXX / XXXX / XXXX . I cancelled the plan on  XXXX / XXXX / XXXX .     As of  XXXX / XXXX / XXXX  no refund has been issued and I have not received any proof of evidence into enrollment.
Complaint sub-issue: Information is missing that should be on the report

I reviewed my credit report from Equifax and notice that there are some inaccuracies in my file. 

XXXX XXXX - open date is inaccurate ( documentation provided ) XXXX XXXX - open date is inaccurate ( documentation provided ) XXXX XXXX - payment history is inaccurate ( documentation provided )
Complaint sub-issue: Old information reappears or never goes away

One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXXor before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}
Complaint sub-issue: Other problem getting your report or credit score

Contacted XXXX, since I am not able to get my credit report with them.

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again XXXX  and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, Citibank ( 2 accounts ), XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX  and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call XXXX  one more time and they required one more time to contact my lenders. The problem is that everytime I contact XXXX  they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the XXXX  Buisness department??.
Complaint sub-issue: Their investigation did not fix an error on your report

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 have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$840.00} ; XXXX XXXXXXXX XXXX Owed : {$7300.00} ; XXXX XXXXXXXX Balance XXXX : {$3000.00} ; XXXX XXXXXXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.
Complaint sub-issue: Account status incorrect

The unverified accounts 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 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX 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: Attempted to collect wrong amount

On XX/XX/XXXX, I disputed JEFFERSON CAPITAL SYSTEM in the amout of {$11000.00} and XXXX XXXX XXXX is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more. 


JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$11000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

Originally I had an acct with XXXX. XXXX  purchased XXXX. I was not happy with XXXX  's customer service, so I cancelled my services. I did not owe a cancellation fee, as I was out of my contract. ( Verified by phone call. ) I mailed in all of my equipment. I paid my last payment. I do not owe XXXX or XXXX  any money. I have received many notices from XXXX stating that I am owed XXXX from my deposit fee and overpayment of my last bill. I have yet so see that money, and have charged it my list of actually ever receiving it because there is no way of me actually collecting that money from a huge corp such as XXXX   and including such poor customer service. I have attempted to resolve this conflict with XXXX  and XXXX on so many occasions. I continuously get transferred from this person to that person. I have spent literal hours on the phone only to be eventually disconnected.
Complaint sub-issue: Seized or attempted to seize your property

ECMC/Educational Credit Management Corporation is trying collect on a student loan that I don't owe. I never take out student loan. And just they garnish my wage. I request validation of the debt in XX/XX/2019 & I dispute the alleged debt with any luck. ECMC sent me documents that I never seen before and those docs has information that doesn't apply to me. 

I ask for the following in my request : documentation to show where I agree to pay them documentation to shows all terms and condition documentation to show their legal standing to collect money from me documentation to show original creditor name and my name on the same document. 
documentation to show proof of assignment or ownership of the alleged debt Copy of legible original contract I've never apply for a student and I don't owe them any money and ECMC is committing fraud and stealing money from me with the wage garnishment.
Complaint sub-issue: Attempted to collect wrong amount

I want to pay off student loan. West Asset Management attached my wages. XXXX is responsible for loan according to IRS. Ca n't dispute Ca n't get a detail history stating all fees and charges add onto loan. Called XXXX in XXXX 2016 to request this information. As of XXXX 2016 no payments have been taken out of my pay and fees are being added. Do n't know who to make check out to or where to mail a check to completly pay off loan. Several diffent collection agencies have added fees onto this loan, but I do n't know how much. West Asset Management and XXXX collection servies. I just want to pay what I owe and be done with this. Who do I need to contact? How can I get the information I requested from XXXX and West Asset Management?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Complaint sub-issue: Account information incorrect

I have been trying to work with this company for over a month. They promised me that this loan would help " build my credit ''. When I took out the loan, I paid it off in 4 months to avoid a huge amount of interest they would tack on. I was NEVER 30 days late and paid this loan in full. They continued to report to the credit bureaus that I owed {$1200.00}. I filed disputes with all 3 bureaus, but whoever responded on the creditor 's end responded to the bureaus with false information. They stated that I was 30 days late, only had the loan for 1 month ( which hurt my score by 40 points ), and deleted my 4 month good payment history. They also did not update anything with XXXX and reported it as a " boost self managed account '' which is wrong. I have called them over 5 times ( 2 hour hold times ), emailed their 2nd level support ( XXXX XXXX ), and faxed XXXX XXXX. She continues to tell me to " call in '' but when I finally get someone on the line they tell me to " talk to XXXX ''. This is company is UNBELIEVEABLE and THE WORST FINANCE COMPANY EVER! I NEED THIS INFO ON MY CREDIT REPORT FIXED ASAP AS IT HAS MADE MY CREDIT WORSE AND I HAVE DONE MY PART WITH THE LOAN!
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX under file number : XXXX with XXXX, I sent a certified letter with a copy of my driver 's license, SSN card, and a copy of my XXXX XXXX XXXX to correct the address and delete and addresses that I no reside. On XX/XX/XXXX, I called to have my credit freeze lifted and was told my credit file was in an " UNKNOWN '' status in which I would need to send verification of my driver 's license and SSN card again. I was told this would take 3-5 business days from the phone representative and it would be corrected. I sent a certified letter with a photo ID and SSN card copy dated XX/XX/XXXX with tracking numbers ( XXXX ) XXXX, ( Equifax ) XXXX, and ( XXXX ) XXXX to update my address to XXXX XXXX XXXX, XXXX, Virginia. Per the tracking, it was delivered on XX/XX/XXXX. I received a credit report dated XX/XX/XXXX with file number : XXXX which I never requested my credit report, I saw my personal information was still incorrect along with telephone numbers I never had. On XX/XX/XXXX I went back on the XXXX website and saw my credit report still said " UNKNOWN '' so I called XXXX in which the first representative informed me that they did not have the information mailed on XX/XX/XXXX and delivered on XX/XX/XXXX. I requested to speak with a manager in which I was told it will be 3-5 business days for a return call. 

The representative informed me that she could not verify me by any information in her system. I was asked a series of questions such as choosing for ( 5 ) zip codes : XXXX, XXXX, XXXX, XXXX. I told the representative I have never heard of these zip codes. I was asked to verify one of ( 5 ) street names such as ; XXXX, XXXX, XXXX XXXX XXXX in which I advised the representative I have never heard of these streets. I reiterated I sent in my ID and SSN card with my XXXX XXXX XXXX XXXX to which she stated I can not be verified and can not be helped. Strangely all my creditors are sending me notices from the collections agencies with my current address XXXX XXXX XXXX listed. I am also getting credit reports that I did not request from all ( 3 ) ; XXXX, Equifax, and XXXX. 

Today, XX/XX/XXXX I sent ( 3 ) certified letters to ( Equifax ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX followed by the tracking numbers. I also sent XXXX a copy of my employer W2 for XXXX which verifies my address. I was told by Equifax it takes 30 business days to verify me even though I sent a picture ID and selfie through the app texted to me on the telephone with the representative to again verify and delete old, incorrect, or to update my address and employer. I still can not understand how credit information is being sent out from these agencies to an address that is reported each month on my credit reports for rent but they are stating I am unverifiable. I am seeking an investigation and a quick resolution.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX  Account # : XXXX, Account name : XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section 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

This account was handled with the original debtor XXXX and I.C Systems and XXXX  refuse to remove this inaccurate account from my credit report and it is hurting my credit score.
Complaint sub-issue: Problem using a debit or ATM card

Ive already spoken to your customer service department about this. They seemed a little put out that I have to use a relay service. Anyway, the person told me to refile my complaint. So here it is, AGAIN. I never received my original card and PIN number and there are lots of unauthorized ATM transactions on my account. They are ...
XX/XX/XXXX {$23.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$120.00} I have received my replacement debit card and PIN number. According to whoever I spoke to, the PIN number is the original PIN number they sent out. It showed up on my front door step a couple days after I received my replacement debit card. And it looked like it was already opened. The replacement debit card was delivered by XXXX. The PIN number looked like regular mail but wasnt in the mailbox.
Complaint sub-issue: Personal information incorrect

There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Office of Attorney General 1339  unverified/inaccurate account
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX/XXXXXXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Account information incorrect

To whom it may concern, I writing this letter to dispute the inaccurate reporting on my credit report from XXXX XXXX XXXX ( XXXX XXXX ). According to my report # XXXX from XXXX, pages 9-15 ( see attached ), there are consistent updates indicating that my account was in an ok status ( as in paid ) between the years of XX/XX/XXXXthrough XX/XX/XXXX always around the same time of year, between XX/XX/XXXX and the beginning of the following year. The items are also on my Equifax bureau reported the exact same way. These items have already been updated and dropped from my XXXX  bureau. 

The reason this creates a challenge for me, is because XX/XX/XXXX I was diagnosed with a XXXX XXXX condition called XXXX and less than one year later XX/XX/XXXX, I woke up XXXX in my XXXX XXXX because my XXXX XXXX  overnight. Two weeks later, the same thing happen to my XXXX XXXX, woke to a XXXX XXXX. About a month or so later, I was diagnosed as legally XXXX and XXXX. At the time I went XXXX, I was enrolled in school and had to drop out due to my condition. In XX/XX/XXXX, I had my first XXXX XXXX  XXXX and the second one in XX/XX/XXXX. During these years my family suffered a great hardship due to the lack of income as you can probably imagine and I was unable to make payments on my loans during that time. I currently still have XXXX in my XXXX and will continue to take XXXX and XXXX  XXXX in my XXXX for the rest of my life. 

So, its hard for me to imagine where I would have came up with the money to make one small payment on one loan, let along 12 payments across all the loans spread out every year near or around the exact same time, for a span 2 to 4 months, consistently. Considering I wasn't cleared to return to work until the beginning of XX/XX/XXXX and didn't actually find a job until XX/XX/XXXX. 

I understand the law says if you have an account in collections, it will usually remain on your credit report for seven years plus 180 days from the date the account first became past due and never was brought current. However, this reporting appears to be an abuse of this very law. By this being reported as current at times when there was no way I could even pay, this will end up on my credit for another 4 years and at that time, this will have been on my credit for more than 10 years. This appears to be deliberate attempt to extend or reset the seven year plus 180 days rule for automatic removal from my credit, which in turns hurts me and my family even longer after going through a critical 5 year span in this decade already. 

I have gone through student loan consolidation, Im currently out of default and making normal payments on time. My wife and I have XXXX kids in college now and these closed collection accounts are negatively impacting my credit scores, thus prohibiting us from recovering and moving on with our life, supporting our children through college and qualifying for a mortgage. These items are reported are absolutely false and need to be removed.
Complaint sub-issue: Need information about your loan balance or loan terms

To whom it may concern : I am a federally protected consumer and I am writing this complaint myself. I have been attempting to resolve my concerns with Fed Loan Servicing since XX/XX/XXXX and have not received the requested documents or response Ive requested. I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received an email stating my documents were received but never received anything else. My request includes the original instrument of indebtedness, account production, and general ledger. I have only received copies of the consolidation request not the contract signed by both parties nor an invoice. Recently, I received an email stating that my loans have been sold without my consent and still no response to my initial request. My loans should not have been transferred especially after not honoring my request. FedLoan Servicing has had ample time to provide the items requested and the loans should be discharged d/t non compliance and not honoring my request as a federally protected consumer. Assistance with this matter will be greatly appreciated. Please see the attached correspondence sent to FedLoan Servicing.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX