Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Indicated committed crime not paying

XXXX Credit Card and XXXX XXXX ; I did not apply for the XXXX and was paying the Credit Card. Then I started receiving calls from a collection agency, I spoke to the woman, told her i could show her where I had just paid XXXX online payment, if she would give me an email address that I could forward to.I think the company 's name was XXXX XXXX out of XXXX, TN Area. This company continues to call me 3-4 times a week. I still charge online purchases through paypal and make payments online through them. But the collection agency continues to call and tell me I owe app XXXX. I have asked them to stop calling me and finally stopped answering when I would see their number. The number they were calling was XXXX. XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, Citibank , N.A . I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, Citibank, N.A has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that Citibank, N.A willfully failed to comply with 15 USC 1681s-2 ( b ). Citibank, N.A must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Citibank, N.A, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

For about 1 year I have been constantly trying to remove an account showing in collections that had reported on my credit report across the three bureaus numerous times. I explained this account with XXXX for a car loan was opened in my name without my permission and that I do not have nor never had the car before. I called the company XXXX XXXX XXXX to notify them of the location of the vehicle which is in another state at a police impound lot. But they still fail to resolve it and get the vehicle back in their possession and taken out of my name. I gave all this info to the credit bureaus and they fail to resolve it.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2018 I received a letter from XXXX XXXX XXXX in regards to a debt on a auto loan with a settlement offer which I paid and a promise to delete the account from the various credit reporting agencies. I was told it would take 90 days by XXXX to delete the account so far that hasnt materialized. I have also disputed the account through the various credit reporting agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 day past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 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: Was not notified of investigation status or results

I have some collections as well as a DISMISSED bankruptcy that is reporting on my credit ; I have disputed these items with the bureaus since XX/XX/XXXX. They never advised me if they started the investigation to validate these items, so I disputed again on XX/XX/XXXX. I still never received any correspondence from the bureaus so on XX/XX/XXXX I sent ANOTHER dispute. I am hoping that the bureaus finally do as they are LEGALLY supposed to, and submit these disputes to the creditors to validate.
Complaint sub-issue: Information belongs to someone else

I was applied for a loan and I founding fraudulent accounts I never open those accounts the police say is a identity theft.
Complaint sub-issue: Can't decrease my monthly payments

I got my first bill from Sallie Mae. Its {$1400.00}, more than half of what I make in a month. I called to see what I could do. I could only pay interest on XXXX of loans, which just happen to be the cheapest XXXX and go into forbearance on the XXXX most expensive ones ( XXXX have interest rates above 8 % ). XXXX will add XXXX on to the total cost of my loans, so no. I could pay interest on the XXXX loans and pay the full monthly payment on the other XXXX, but that monthly payment is still around {$1000.00} a month. I even talked to collections, but to no avail. I have cosigners, but XXXX are still paying back their student ( and other ) loans, so theres not much they can help me with. So I either add XXXX, possibly XXXX on to the life of my loan or go into delinquency before they do anything to help me ( which is illegal ).
Complaint sub-issue: Investigation took more than 30 days

I sent a dispute letter to the company on XX/XX/21. As of today I have not received a response about my disputes. I also sent demand to comply letters on XX/XX/21 to this company and still have not heard back from them.
Complaint sub-issue: Debt was paid

XX/XX/XXXX Contacted Acima leasing company advised they were charging me for a payment that was made in the 90 day buy out period spoke to a representee he took card information for last payment that i tried to make myself through auto system. I disputed with bank statements showing payment was paid company closed account put a higher amount on report, i sent several letters asking for the derogatory information to be removed from account advised them to stop reporting false information they continue to put false updated information on report. Final Payments were made in XX/XX/XXXX XXXX twice
Complaint sub-issue: Reporting company used your report improperly

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights. Regarding alleged account # 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable for confidentiality, accuracy, relevancy, and proper utilization of such information. 15 U.S.C. 1681c2 : A Block and remove in 4 days
Complaint sub-issue: Public record information inaccurate

I am disputing an open federal tax lien filed in XXXX 2010 citing the XXXX rules ( the lien has no SSN number and no DOB ). XXXX XXXX : Beginning XX/XX/XXXX, the bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the XXXX XXXX XXXX XXXX, new and existing tax lien and civil judgment data must include a person 's name, address and either a Social Security number or date of birth in order to be included in credit reports. Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

On or about XX/XX/2022 Citibank was contacted and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. Only a few XXXX $ balance. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought ) 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' Same as my former employer-punished and penalized for being sick.. I'm not asking for freebies, just a realistic amount of time ( up to social security etc ) ... not to be punished. I guess I'm supposed to XXXX XXXX XXXX XXXX XXXX XXXX or my XXXX XXXX XXXX XXXX to appease them..
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX   XXXX   is a collection Agency on behalf of Drive Time. This is a vehicle that had been repossessed and it is continuously being re-aged into my credit. This is a 8 year or more debt which the vehicle was returned and resold. The company continue to report as a charge off and derogatory reporting. The statue of limitation has ran out with the negative reporting on my credit reports. I continue to asked the collection agency and creditor to delete from my account. The creditor and the credit agency has yet to remove from my credit. Inaccurate reporting and missing information
Complaint sub-issue: Account status incorrect

XXXX is reporting an inaccurate payment history ( 60 day late XX/XX/2021 ) with no prior late payment. They will not allow me to speak with anyone in their credit reporting department. 

XXXX XXXX toll free number ( XXXX ) which identifies itself as their " credit bureau reporting department '' does not provide me with a live person, nor does it give an option to discuss the inaccuracy. The message directs me back to the credit bureaus and then, abruptly hangs up. 

The credit bureau - Equifax - will not conduct a proper investigation. They are not providing me with a complete and accurate report. They will not contact XXXX to verify account information. Will not conduct an investigation as required by FCRA.
Complaint sub-issue: Account status incorrect

I always pay my debts on time. I paid my Macys card in full and put the card away. I went on vacation and returned and found that there was an unpaid XXXX  dollars of which is not a credit debt  but a FEE they charged for their card not upfront as disclosed but almost four months into the card issue. Reporting it as credit debt not paid is incorrect. It was an after the fact, fee not disclosed when I opened the card in the store with the salesperson. It was my understanding that when I paid my amount in full  that fee was PART of the extended credit debt. It was underhanded and has caused me no amount of frustration as the only negative on my credit report. I have tried to dispute this issue since it occurred and have received no relief. I want this removed from all three of my credit reports.
 
XXXX/XXXX   #XXXX****
XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX 
Date Opened:XX/XX/XXXXResponsibility:Individual AccountAccount Type:Revolving Account
Loan Type:	CHARGE ACCOUNT
Date Updated:XX/XX/XXXXPayment Received:$XXXXLast Payment Made:XX/XX/XXXX	Pay Status:Current; Paid or Paying as AgreedTerms:Paid MonthlyDate Closed:XX/XX/XXXXDate Paid:XX/XX/XXXX
>Maximum Delinquency of 60 days in XX/XX/XXXX for $XXXX<
High Balance: 
High balance of $XXXX from XX/XX/XXXX toXX/XX/XXXX $XXXX from XX/XX/XXXX to XX/XX/XXXX; $XXXX from XX/XX/XXXX toXX/XX/XXXX
Credit Limit: 
Credit limit of $XXXX from XX/XX/XXXX to XX/XX/XXXX; $XXXX fromXX/XX/XXXX to XX/XX/XXXX; $XXXX from XX/XX/XXXXto XX/XX/XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I was contacted by CKS Financial Services, LLC, on Wednesday, XX/XX/2022, at XXXX CST. I filed a previous ticket against CKS Financial Services, LLC, for contacting me multiple times and I have not received any notification, information, or validation of debt/ debt dispute information in writing or anything by XXXX Mail . I have been contacted numerous times by their company. I have received nothing in writing indicating a debt is owed. The company will call and not leave voicemails as well. According to the Fair Debt Practices Collections Act as well as Texas Debt Collection Laws, I am supposed to be informed in writing within five ( 5 ) days since the initial attempt to collect a debt ; there has been more than eleven ( 11 ) days from the first ticket filed and there still has been no contact or writing submission for the debt in question. I have not received any notification by mail either.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

US DEPARTMENT OF EDU XXXX ....
Complaint sub-issue: Information is not mine

My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
Complaint sub-issue: Didn't receive terms that were advertised

On X/X/2017 I opened an XXXX checking through their website using the link provided on their site displaying a promotion for opening a new account. The promotion was for a {$300.00} bonus after opening a new account with an opening deposit of {$300.00} and two direct deposits of {$100.00} in 60 days. This promotion is STILL being offered on their site ( with different terms ). I met all requirements and they refuse to give me my bonus. I 've contacted them several times. The first time they responded saying the bonus was on my account and I would get after meeting requirements. The second time they said I applied after the expiration date??? which is NOT true. Now, after a third time they tell me the reason i 'm not getting it is because I needed to have a direct mailer which is also NOT true. I had a friend do this without a mailer and they got the bonus. The offer does not state you have to have a mailer. It says bring a mailer in OR apply online using code XXXX, which is what I did. Everytime I get a different excuse! The offer was on my account, their agent said so! I 'm in middle TN so I 'm in the target area too. Stop giving me the run around, please.
Complaint sub-issue: Deposits and withdrawals

XXXX XXXX, with no warning, unilaterally decided to block all customers accounts from transferring even minimal amounts out. Because of that, I nearly bounced a check elsewhere. 

In trying to resolve it, they requested a proof of the account where the money came from which I provided. They said I should have transfer availability within 24 hours. Its been 3 times that, they refuse to let me transfer a miniscule amount, they refuse to let me talk to their fraud department and they refuse to let me talk to a supervisor. 

I am all for fraud prevention. But there is no fraud, there was no warning. This is just shoddy business practices. 

I will be closing my account as soon as I can without incurring a fee but I have no idea how much longer my money will be held hostage because of this pitiful excuse of a bank.
Complaint sub-issue: Received bad information about your loan

I have worked in public service starting in XXXX. My employer and my employment was certified by XXXX and my public service loan forgiveness was over XX/XX/XXXX. I am still making payments and I can not get anywhere with these people. I should have been one of the first. They have no reason to keep billing me. I asked one agent if anyone has been forgiven on this program and she said one person. I am a XXXX XXXX XXXX and I have saved XXXX life and millions of dollars of of property in my public service job. I have more than what is required by the PSLF. If this is a scam it needs to be stopped
Complaint sub-issue: Frequent or repeated calls

my complaint is about Hunter Warfield. I am disputing the accuracy of this debt with XXXX. I submitted the dispute on XX/XX/2021 and the collector should have been notified by now that it is in dispute. However, I am still receiving daily calls in an attempt to collect the debt even though it is still in process with the dispute! This should be illegal and I am willing to take legal action against this company.
Complaint sub-issue: Information belongs to someone else

I Sent Equifax all the required documentation pursuant15 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. 
They have mailed me back XX/XX/XXXX and Stated They are not blocking information pursuant to section 605 of the FCRA, attached is the full publication of that section which is Statue 15 USC 1681c-2 ( c ) in the original Dispute I wrote a statment '' There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. " That statment Alone take away any chance for any A ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Complaint sub-issue: Problem with direct deposit

The card was frozen by the company without permission also to call it was frozen twice within the last two months so this is the third time they will not release the payroll funds in and giving us the runaround they keep saying 24 to 48 hours when the information that was asked for has been sent to them since Saturday and also theyre saying they didnt get the information which was sent again yesterday till yesterday is stopping us from getting food. Also paying bills and getting medication that is needed greatly.
Complaint sub-issue: Attempted to collect wrong amount

The medical bill that was owed to the original credior, XXXX XXXX Medical Center in XXXX, Ga but was on my credit report listed under the name Jason A. Craig & Associates was removed off of my XXXX credit report due to being a third party creditor. In XX/XX/XXXX, i was subpoenaed for the amount owed to the hospital which was {$1400.00} with 18 % per annum which turned out to be {$2400.00}. I answered the subpoena on XX/XX/XXXX and was told by the XXXX County, Ga Magistrate court that I would receive a court date in 5 weeks to discuss the charges. I left on military XXXX  on XX/XX/XXXX and returned onXX/XX/XXXX. When I got paid by my civilian job on XX/XX/XXXX,  I found out my wages had been garnished by Jason A. Craig & Associates for {$2600.00} while I was away on military XXXX. I called XXXX County, Ga Magistrate court where the garnishment was filed at and was told papers were submitted stating that i was summoned in XX/XX/XXXX and never responded to the summons which was not true. I was indeed summoned in XX/XX/XXXX and I did answer. When I talked to XXXX County, Ga magistrate court she told me that she never sent out a court date because a lawyer from Jason A. Craig and Associates called her and told her not to send one out because he would contact me to settle the account which he did not.
Complaint sub-issue: Information belongs to someone else

I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. Here is the list of inquiries : XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Equifax : XXXX - XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX