Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

The credit card account was agreed by myself and US Bank to be placed into a hardship status repayment plan. The agreement to participate in the Hardship Program requires that my bank account have the monthly payment automatically taken directly from my checking account which has been transpiring since XX/XX/2019. During the initial onset of COVID-19 I did request a one time payment forbearance. 
My compliant is that US Bank, did not inform me a payment made after the XXXX would be reported to the Credit bureaus as payment made late. I asked that the payment be taken from my checking account on the XXXX of each month however my bank statements all reflect US Bank went to my account later than the XXXX of each month and reported to the credit bureau payment made, but anywhere to 3 to 5 days late. 
I've called and discussed my concern about how my payment was being reported late to the credit bureaus with regards US Bank hardship program. I did in fact change the automatic debit payment to the 15 of each month and my bank statement reflects US Bank didn't go to my account until the XXXX of this month. US Bank has not provided written documentation that US Bank is now going to my checking account on XXXX of each month. I also asked US Bank for written documentation of the current account status in terms of what the current balance is and that payments history and US Bank has not provided the requested information. The request for account status written documentation is needed for verification of security clearance for a government XXXX job position I'm currently moving forward to obtain.
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX account # 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 also states that a consumer reporting agency can not furnish your account without my written instructions.
Complaint sub-issue: Information belongs to someone else

An account with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I showed up on my credit report for an account. I sent a letter via email to the company which the company received XXXXThe tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX I and the collection agency and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect this debt in my state. I have not heard anything from them this is my forth attempt.This account is still reporting on my credit reports.
Complaint sub-issue: Debt was paid

Procollect said I owed {$200.00} for a debt for medical treatment by XXXX XXXX XXXX for me, XXXX XXXX, date of service, XXXX/XXXX/08. My XXXX XXXX plan EOB shows that they were paid the PPO allowed charge of {$200.00} and I owed {$0.00}. I have talked to them a number of times, mailed letters from my health plan, and a copy of the EOB. They will not work with me to resolve the matter, refuse to let me talk, insist I owe the debt, reported me to the credit bureaus and continue to harass me by phone
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, I disputed a fraudulent inquiry on my Equifax consumer credit report and it was not block and removed.The information that XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX is not information relating to any transaction by me. 
I have file a identity theft report with Federal Trade Commission to notify them that I am a victim of identity theft and I have notified them that Equifax is reporting these two companies on my credit report. Also note that I have a active fraud alert of my Equifax credit file and I WAS NOT NOTIFIED WHEN THESE INQUIRIES WERE TAKING PLACE. The Identity theft documents are attached. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts -15 U.S. Code 1681c2 - Block of information resulting from identity theft - ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my XXXX reportb. I have accounts with XXXX XXXX that's was paid off yet it's reporting a balance Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
Inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX and XXXX its listed twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX Hard inquries/promotional I HAVE NEVER DONE BUSINESS WITH THEM 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: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX, OH XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation  as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2015 with Discover Financial Services. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Discover Financial Services has taken federal reserve notes since XX/XX/2015 from I, the consumer. Discover Financial Services, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Discover Financial Services have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX  XXXX {$580.00} XXXX AR XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

XX/XX/2021 I had several hard inquiries show up on my credit report that I had no knowledge of. And I would like to have them removed.
Complaint sub-issue: Received bad information about your loan

Fed Loan Servicing added loans to my account for years I did not have a loan. I did not receive ANY loans while attending the University of XXXX from XXXX XXXX. Lastly I started the school at the end of the year which makes them look even more guilty cause XXXX loans would not be possible. Secondly I only used a loan for XXXX XXXX because I used my GI Bill and XXXX  veterans benefits during XXXX. Please make them remove these 2 fraudulent loans from my account. They did this because they thought Trump would pay for them because I am a XXXX veteran. Those 2 probably belong to an employee in XXXX or someone accepting bribes. Please have them remove those fake fraudulent XXXX loans from my account
Complaint sub-issue: Report improperly shared by CRC

I was rushed to hospital with XXXX XXXX XXXX an was not able to pay for my services rendered at this time. XXXX XXXX contaced a charity and said that the cost of my services woukd be written off or a charity organization would take care of this ordeal.At the time of sickness there was no insurance and I was not able to pay for my sickness. I work parttime in a XXXX and insurance is not provided by my employer.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

For the past 7 years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3200.00}.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. The 30 Day demand to comply was sent on XX/XX/2020.
Complaint sub-issue: Can't close your account

ETRADE BANK I have had a 5 year CD ( earning less than {$2.00} a year ) that I have been trying to close for 15 years. Each time they never respond until the 7 day grace period is over and then insist on such a hefty fee, I have just left it. 

This year I was determined to close it on it's maturity date of XX/XX/2022. I spoke in XXXX to a helpful customer service person who instructed me on the form I was supposed to complete and upload. I did that on XX/XX/XXXX. The file said 'in progress ' for weeks and finally a few days before maturity, I waited 47 minutes online in the middle of the night to get through to customer service. I talked to a helpful woman named XXXX XXXX who informed me they were waiting for me to upload my ID. No one had told me this, though it had been sitting 'in progress ' for a month. 

I uploaded my ID. Three days after maturity, still nothing. I waited now 88 minutes on hold and talked to another helpful customer service person named XXXX XXXX supposedly brought it to one of his superiors who said it would be paid out within 5 business days after maturity. 

It has now been nine days since maturity and there is no movement whatsoever on the account. 

Please check the complaints on their XXXX book for similar issues.
Complaint sub-issue: Debt is not yours

I had a regular savings account with XXXX but I never got a loan with them and they put me on bad credit for a balance owed I never had. I would like to get it removed from my credit report please.
Complaint sub-issue: Investigation took more than 30 days

Please help! I am a victim to inaccurate items appearing on my credit file and I have attempted to resolve the problem with the credit reporting agencies and my complaints are being ignored. It have been well over 60 days since I mailed my first dispute which I will attach to this complaint. My consumer rights are being violated, pursuant to Title 15 U.S.C 1681- Procedure In Case Of Disputed Accuracy, the consumer reporting agency have 30 days to do an investigation and if the items are not verified they must delete the information from my file. This is a very serious matter and it affecting my overall life by tarnishing my general reputation and negatively impacting my ability to obtain credit. I am asking that these inaccurate items in my file that I disputed are removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.
Complaint sub-issue: Personal information incorrect

I received my credit report on XXXX XX/XX/2020. I disputed with Equifax ( Online ) an address and received confirmation on XXXX XX/XX/2020, that it was deleted. Today, XXXX XX/XX/2020 when I refreshed my credit report, the address in question was Not deleted. Please forward this concern for correction to Equifax. Thanks
Complaint sub-issue: Information belongs to someone else

I have a XXXX XXXX XXXX that is listed on my credit report and the account is not mine as it is fraudulent. The account says XXXX XXXX and Ive had XXXX  phone service since XX/XX/2022 ENHANCED RECOVERY CO L XXXX ( XXXX XXXX XXXX ) {$1100.00}
Complaint sub-issue: Fee problem

I have enough funds on my account and the bank is charging for non sufficient funds. Inclusive the bank sent me a letter indicating that there will be a {$0.00} charge for the ( false ) non sufficient funds on the account. This is a theft from the bank Santander of XXXX XXXX.
Complaint sub-issue: Funds not received from closed account

I make de posit on my. Citibank accounts but. They never. Let me. Use the. Money. They close my. A counts. But my account has money 's what i need. To use to pay my bills and use to do my work. And. They. Dont want transfer to my bank account. They hold my money one of the bank account has. {$75000.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

I have applied for the Citi Thank You Premier credit card which had a promotional offer for XXXX points when you spend {$4000.00} dollars in 3 months. I was accepted for this promotion while applying back in XXXX of 2017. 

I had to call citi to be reconsidered for this card and was accepted. They told me that the promotion would apply after completing the benefits while I was on the phone with the customer service representative. 

Many months later after completing the requirements, they told me that the promotion wasn't on the account. I called again and then the customer representative said that I was eligible because I've had this card before. This was the first time I ever heard of this after applying and talking to multiple people on the phone from citi.
Complaint sub-issue: Can't use card to make purchases

Citigroup has implemented a policy which is anti 2nd amendment ... anti business ... anti commerce ... anti American ...
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted several times the Credit Bureaus XXXX XXXX, and Equifax asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, XXXX  {$1000.00}, Equifax {$1000.00}, XXXX  {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my XXXX  report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously XXXX has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also XXXX, refused to delete old addresses in my credit report that way I avoid Identity Theft. Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. Equifax, XXXX, XXXX  has inaccurate information and failed to verified account and XXXX XXXX  XXXX is attempting to collect a debt that is not mine. I request them to remove it from my credit report immediately. I also Filed a Identity Theft Report Thank you, Look forward for your response.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, I opened a letter from the debt collection agency Hunter Warfield attempting to collect a debt for {$160.00}. The debt was the XXXX XXXX XXXX XXXX  in XXXX, FL, where I had previously applied for an apartment. The XXXX dollars was the price of a fee after I rescinded the {$380.00} payment I had made to process the application. Why was the payment rescinded? The {$85.00} application fee and the {$300.00} administrative fee were paid to PROCESS an application, however, the XXXX staff failed to process my application. In fact after submitting my application, the XXXX was never heard from again. So, no, I did not allow them to keep my payment. For them now to attempt to collect a fee after making no attempt to earn my application fee is absurd. 

I verified this information with both the debt collector and the apartment complex yet the debt collection account still stands.Instead, of removing the collection account, the apartment complex promised to call me back with a resolution, failed to provide a callback, and instead manually changed the application status to denied post-notification of the issue via phone call ( as I assume that they think people are too dumbt to check on these things ) with the representative CONFIRMING the application had not been processed. 

I hope anyone reading this will stand clear of both apartment complexes like the XXXX XXXX and their debt collector, Hunter Warfield.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance  {$4800.00}
Complaint sub-issue: Information belongs to someone else

I have inquiries that I never made I'm scare that I'm a victim of fraud
Complaint sub-issue: Debt is not mine

The company is ERC and it is a autodialed recording asking me to call back with a reference number provided. 
According to my financial records and the credit bureaus I owe no outstanding debit for which I am past due. 
My telephone number has been on the no call list for years.. 
The offending tel number is XXXX