Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

I am enrolled in a XXXX XXXX XXXX program. XXXX, a representative of Republic Finance, is calling my wife and I two and three times a day leaving voice mails and he has been calling my daughter XXXX, at work. She has asked him to cease and desist his calls to her but he ignored her and yesterday,XX/XX/2016, he called her four ( 4 ) times at work! 
( She Does XXXX ). When he calls, he does not state who he is with and will not disclose the information when asked. My wife is in poor health, XXXX XX/XX/XXXX from the VA because of my XXXX health. 
This Harassment needs to STOP NOW! He has gotten on my LAST NERVE!!!!
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 past due on the 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: Debt is not mine

This company keeps on coming after me regarding a XXXX XXXX account which I have never owed XXXX. I did call XXXX XXXX and it was a sewing machine ordered and deliver to an address I never lived at. I am XXXX XXXX XXXX male and do n't even know how to sew. This is not mine I never had an account with either of these companies. I disputed received a letter XXXX/XXXX/2016 stating they are going to remove and then another letter XXXX/XXXX/2016 stating they are collecting. Please help
Complaint sub-issue: Personal information incorrect

XX/XX/2022, {$0.00}, LEXISNEXIS - DOCUMENTS ATTACHED Both addresses ARE inaccurate AND unverifiable! 

Consumer law states that you must provide accurate information to a consumer. 

Reinvestigate and provided proof that my previous address was XXXX XXXX XXXX, XXXX, XXXX or XXXX XXXX Letters with different address attached. 

C.F.P.B agent Lexisnexis states in both letters that they matched the addresses with XXXX, XXXX and XXXX to confirm a bankruptcy. 

Theses addresses have never appeared on my credit reports. 

The address is inaccurate or unverifiable information!!!!!!!!!!!!!!!!!!!!!!!!!! 

Refer your companies obligations to consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall The address is inaccurate or unverifiable information ; and ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

On numerous occasion, I have requested to have erroneous payment status removed. On several occasions, I have asked Equifax and XXXX to remove this data and it has not been removed. I have included examples showing where each credit bureau is reporting a different delinquency for the same account and my example was ignored as well as the information that I requested from them in the allotted time. I have attached a second letter detailing once again what I have asked for over and over. Each credit bureau should be reporting the same consistent information. In the first letter that I sent I asked you to send me several items. I have attached the first letter and a follow-up letter. I am also including the evidence removed. I also want the temporary update freeze removed from my account. As a consumer, I have a right to dispute inaccuracies between the credit bureaus as much as I choose. I provided evidence and it was ignored. I would like to have the disputed data removed because it is not consistent and it is incorrect.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Scammer stole my card and bank information using my voice and phone number and email to respond to charges by agreeing to them. I now have to go through bankruptcy to cover the charges on my credit card and the loss of my XXXX I had in my XXXX XXXX accounts. I also had to pay back XXXX they took from my line of credit. XXXX only gave back XXXX, XXXX XXXX rejected the payments, but Discover Card never refunded me and refused to. They stated since 'I'agreed to the charges, there was nothing they could do.
Complaint sub-issue: Debt was paid

Hello My name is XXXX XXXX. My daughter received a hospital bill at XXXX XXXX for {$2600.00}. Last month I paid the entire bill. It's been 30 days and it's still on my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXXI disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX  XXXX, XXXX is now being reported again
Complaint sub-issue: Account status incorrect

the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with FCRA, Equifax has violated my rights by reporting false inaccurate information on my consumer credit report. Under 15 USC Code 1681 ( a ) - Congressional finding and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. XXXX  XXXX Account XXXX has been closed and is reporting inaccurate dates and an updated balance every month as of XX/XX/2022. OTHER CREDIT REPORTING AGENCIES HAVE REMOVED/DELETED THIS FALSE COLLECTION ACCOUNT. I have been injured numerous times from Equifax negligent and willful behavior. These injures include my reputation has been ruined, loss of income, XXXX and mental anguish. Please remove this account immediately. 15 USC 1681 ( a ) ( 4 ). States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692b ( 2 ) can not state that such consumer owes any debt 15 USC 1692c ( a ) 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. 

I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned account. If you are unable to produce said requirements, by federal law you are required to remove the accounts from my consumer report without prejudice.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$2100.00}, {$4300.00}, {$5500.00}, {$25000.00}, {$24000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 


-- STUDENT ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.
Complaint sub-issue: Public record information inaccurate

In the process of applying for a home loan and sending out several, several letters correcting various errors with the 3 credit bureaus. There arise another problem we were told by the lender there was a foreclosure on the hard credit, which we were unaware of.
Complaint sub-issue: Didn't receive notice of right to dispute

Hello, I was contacted in XXXX to pay a medical bill ( I believe my RevSolve, thats how it shows up on the bank statement ). I made a payment then, but at that time I hadnt received any type of letter informing me I owed the debt or that they were actually collecting on it. I informed them I could only make one payment at the time because of Covid but asked them to send me a letter so I could contact them, and informed them I was moving and they didnt update my address. They didnt contact me for a little while and then come XXXX I get a lot of calls. 

I still hadnt receive any letters. My wife updated the address after paying the bill, asked for a letter to be emailed on XX/XX/XXXX saying it was payed in full and was told it would be sent on XX/XX/XXXX via email and still nothing. 

Thank you,
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Two of my XXXX XXXX credit card accounts are not reporting on Equifax. They were reporting until XXXX of XXXX  and then they were not on their anymore. I have wrote a letter to XXXX XXXX and Equifax saying these accounts were not showing. I also sent in bank statements to both of them. 

Equifax sent me a letter back saying " The results of the investigation were the disputed items are not reporting on the Equifax credit file. '' But that was the whole point of sending the letter to inform them of that it wasn't. So they clearly did not read the letter or look at the bank statements. 

I called them to tell them about this issue and they told me to wait because they are still investigating. That was in XX/XX/2019 and still haven't responded. I tried to call this afternoon ( XX/XX/2019 ) and was repeatedly disconnected through their automated system. 

I also called XXXX XXXX and said it is on the Equifax because they are doing their part on their end. I also have a letter from them
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Sir/Madam : I would like to request you to do an investigation against the XXXX   Company, XXXX. XXXX XXXX XXXX, TX, XXXX, XXXX, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to  XXXX XXXX on XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the XXXX   Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against XXXX XXXX Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with XXXX XXXX Company for the reported amount in XXXX ( XX/XX/XXXX ), they denied my dispute. However, the same company later acknowledged in XXXX XXXX XX/XX/XXXX XXXX that there were some undue fees charged to my account ( see the enclosed from XXXX XXXX Company ). 

Thank you, Sincelry, XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

In the process of applying for a loan for a hosue our mortgage company pointed out that there is a credit we have in claims with ACIMA credit in the amount of XXXX. We told them to dispute due to knowing this was not me that took this loan or lease. I have since contacted the local police and filed a police reprot as well as have been working with ACIMA credit to try and clear up. According to ACIMA the loan or lease was taken out with them XX/XX/XXXX for {$3900.00}. We have also disputed with my wells fargo account four payments that they have tried to pull from my account ( XXXX, and XX/XX/XXXX ). The current debt owed on the account is XXXX when talking to ACIMA. The account number with ACIMA credit is XXXX. ACIMA will not release any information about the loan other than amounts and dates as of right now. I did not aply for any loans with this comapany and in fact never heard of this company until we started seeing payments being pulled from my bank account as well as when I saw on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXXand account name XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX, and hoping that these accounts will be corrected. 


XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX  XXXX XXXX Balance {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$400.00}
Complaint sub-issue: Can't close your account

In XXXX of XXXX I noticed fraudulent activity on a CitiBank account that I did not realize was still open. During discussions on how to handle the fraudulent activity I mentioned that I would like the account to be closed given that I wasn't using it. ( Despite not using it I paid the {$95.00} annual fee in XX/XX/XXXX ). 

I stopped receiving any statements, paper or electronic in XXXX of XXXX so I assumed the account had been closed. In XX/XX/XXXX I received a notice about changes to the card that led me to check and confirm that I had been charged a {$95.00} annual fee in XXXX of XXXX. 

After closing the account online I called and asked about getting a refund for the fee given the prior conversations and cessation of activity. I was refused this request by Citi since I had not called in within 60 days of the charge.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second dispute to remove this inaccurate information from my credit report. These collections company are claiming I have an account with them or I owe them something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report in the first place. The law states that before they collect any information about me, they have to get my authorization to access my credit report for any reason. They didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.
Complaint sub-issue: Frequent or repeated calls

Starting on XXXX we began receiving automated calls from EOS-CCA instructing us to call them regarding an outstanding debt. No details were provided in the call, only an XXXX number to call. We have not received any alternate communication with details of the claimed debt. The calls were at least daily until recently when the frequency of calls has fallen to around one per week. Our home number is listed with the FTC Do-not-call list and I do not believe we have any pre-existing business relationship with EOS-CCA. 

From a review of our credit reporting it does not appear EOS-CCA has reported this debt any of the credit agencies.
Complaint sub-issue: Problem during payment process

I noticed that my total due amount for this month reduced to below {$10.00} even when my auto pay was set to " full statement balance ''. I reached out to CS via chat and was advised that this is totally fine since I received a credit on my account. I then explained that the credit was not due to a payment made by me but due to a credit from a merchant via return. The CS agent further looked into it and confirmed that anyhow I'm still all set and don't need to do anything. I have screenshots of the conversation that I have attached to this complaint. I logged into my account via desktop and found a message at the top of my account page that my auto pay needs to be adjusted else I will be charged interest. Fortunately, I used sound judgment and changed my auto pay to cover my full last statement balance, opposite of what was advised by the CS agent. Can someone look into this and figure out what's going on? Luckily I had been looking into my account and caught this issue. In the future I would not like this to happen.
Complaint sub-issue: Didn't receive terms that were advertised

I signed up for a new US Bank checking online account with a {$300.00} bonus offer for completing two direct deposits totaling {$4000.00} within 60 days of account opening. US Bank failed to give me access to the account for 35 days, preventing me from completing the promotion terms. 

Timeline : 1. During the online checking account sign up process ( on XX/XX/XXXX ) I was told to expect an activation letter by mail in 7-10 business days. 
2. After waiting ~3 weeks, I called customer service and was told that ( a ) the agent saw no record of an activation letter being sent, ( b ) my account information couldn't be provided over phone or email, and ( c ) my only option for gaining account access was to request a new debit card and wait for it to arrive by mail ( in 7-10 business days ). 
3. I finally received the debit card and pin code around XX/XX/XXXX ( 35 day after opening ) and immediately signed up for online banking as required to retrieve the routing and account number for direct deposit. 
4. My employer ( like many others ) pays on a bi-weekly basis. While I changed my direct deposit records on XX/XX/XXXX, it did not take effect until the next pay cycle on XX/XX/XXXX. I completely my second $ XXXX direct deposit on XX/XX/XXXX ( 65 days after account opening ). 

I contacted US Bank via email asking them to extend the 60 day promotion time period, given that I was unable to meet the requirements solely because of their error. Customer service refused to provide a resolution ( see attached ).
Complaint sub-issue: Didn't receive advertised or promotional terms

I have a Citi Diamond Preferred Mastercard and have had the account with Citi since XXXX. On XX/XX/XXXX, I received an email notice of a promotional offer for 5 % back on online purchases made between XX/XX/XXXX and XX/XX/XXXX ( XXXX Monday ), so I enrolled using the button in their email. On XX/XX/XXXX XXXX XXXX Monday ), I made an online purchase with XXXX in the amount of {$370.00}, forgoing 3 % back I would have received by using a different credit card. The purchase immediately XXXX on XX/XX/XXXX ) appeared as a pending charge to my Citi Mastercard. XXXX, due to a large number of orders received on XXXX Monday, did not ship the order out until XX/XX/XXXX, at which time the charge was finalized at {$370.00}. Citi failed to provide the 5 % back. I initiated an online chat with Citi asking why the 5 % back was not made. Citi 's response was that, even though the purchase was made on XX/XX/XXXX, the charge was not finalized until XX/XX/XXXX, thus occurring after the offer period and said too bad, there was nothing they could do about it. 

A credit card operation as large as Citi is well aware that many vendors, on XXXX Monday, will have charges that are finalized a few days after the purchase date. As I pointed out in my online chat, Citi must have a similar situation with many other XXXX Monday transactions. To entice consumers to use Citi 's card by promising 5 % back, then failing to provide the 5 % back on XXXX Monday purchases, under the guise of 'the charge was finalized after XXXX Monday ' is disingenuous, if not an act of widespread consumer fraud. Citi has defrauded me {$18.00}. Multiply this by countless other similarly situated victims.
Complaint sub-issue: Information belongs to someone else

have been trying to remove a {$14000.00} plus credit card from report that is not mine