Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

checking my credit report with Equifax a lot of information is invalid. I am interested in disputing all incorrect information to fix my file.
Complaint sub-issue: Talked to a third party about my debt

COLLECTOR UNLAWFULLY PULLED MY XXXX CREDIT PROFILE ON XXXX/XXXX/2016, FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA! ALSO, CALLED CELL, WORK AND OTHERS SKIP TRACING A DEBT I DO NOT OWE. I AM DEALING WITH ORIGINAL CREDITORS ON ALL DEBT. ( ATTACHED PLEASE FIND CELL AND OTHER DICOVERY )
Complaint sub-issue: Problem with fees

Over Billing and Extracting False and Excessive Fees, Breach in Billing Practices : XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} I NEVER made payments with a CHECK only online. The system kept refusing to allow auto payments even though the payment showed as accepted then days later the payment was refused and my account was charged {$22.00} Return of check when the payment was an online payment. There was no explanation for the payment to not go through because my bank account had more than enough money in it to pay the payment.

I have ALWAYS made my payments AHEAD of due date and paid " 3 '' times the minimum amount due!

Bank Statement XX/XX/XXXX - XX/XX/XXXX Charged {$250.00} for purchases that weren't purchases they were payments!

I called and spoke to 3 customer service representatives one of which was a manager and they all stated it is Citibank 's policy to charge a fee for setting of auto payments. I emailed the CEO XXXX XXXX in the month of XX/XX/XXXX and neither he nor any of his staff Ever responded.

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Complaint sub-issue: Credit inquiries on your report that you don't recognize

These are the hard inquiries I want to remove XXXX XXXX, XXXX XXXX bank, XXXX XXXX, XXXX XXXX XXXX XXXX These are fraudulent hard inquiries that I already called XXXX XXXX and they are not trying to fix the problem at all tired everything I can with sending in letters still no nothing
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX and XXXX XXXX XXXX  XXXX
Complaint sub-issue: Account status incorrect

My final resolution is to show proof I have advantageously tried to remove the incorrect and or erroneous credit reporting information on my credit report. 

XXXX has three outdated accounts for different about showing on my credit report from XXXX, XXXX, XXXX ( These accounts are past 10 years and should be removed ) XXXX XXXX ( account showing on credit report ) XXXX XXXXXXXX ( past seven years ) XXXXXXXX XXXX ( XXXX accounts XXXX XX/XX/XXXX XXXX XXXX ( XXXX AccountXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on my account as accurate payments on time. XXXX ending in XXXX expiration date is XX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

The company is in violation of selling my debt to a collector which continues to harass me for money I don't owe I wish to have this removed from my credit immediately
Complaint sub-issue: Can't decrease my monthly payments

My grand daughter and her father asked me to sign for her student loan a private loan with Sallie Mae and another with XXXX student loans and her father was going to repay the loans when he retired but instead he died XX/XX/XXXX. I am now responsible for the mortgage which he used to pay ( in my name also ) and I suffer from XXXX XXXX and I am XXXX years old. I contacted both XXXX and Sallie Mae since as of now the loan is 30 days past due and neither will waive me because they claim only the " borrower '' can be waived due to XXXX., Sallie mae said I should pay {$150.00} by XX/XX/XXXX to defer the loan until XX/XX/XXXX as a hardship but XXXX has to call for this arrangement to be for more than XX/XX/XXXX. If she does not call it goes back up to {$970.00} per month for a {$72000.00} loan and the XXXX with XXXX is {$69000.00}. I have had no contact with my grand daughter since May and she is contesting her father 's will in court currently. I doubt that I will be able to get her to call Sallie Mae so attempting to get a lower payment seems like a moot point. I believe I will have to see a bankruptcy attorney but my understanding is this would only be a temporary relief. Sallie Mae calls my home phone every 30 minutes and says then ca n't stop this procedure. My grand daughter has not made any payments at all and I ca n't pay the mortgage without my other son 's help so I do n't know what I can do to fix this.My grand daughter did all this on her lap top I never got a copy of either contract and I just asked them to send me a copy in the mail.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries on my credit report that I havent authorize
Complaint sub-issue: Card was charged for something you did not purchase with the card

On my Sears Credit Card account ending in XXXX, I was charged {$800.00} for a purchase at " XXXX XXXX  '' earlier this year. I do not recognize this purchase, nor do I recall it, so I believe this is a false and fraudulent transaction. I contacted Sears Mastercard online and notified them of the billing dispute. The account ending in XXXX was terminated and I received a new account ending in XXXX. I received correspondence from Sears Mastercard dated XX/XX/2020, stating that they were investigating the alleged charge. On XX/XX/XXXX, I received another letter stating that the investigation was completed and that that disputed charge ( and another one ) had been deducted from my account plus related fees and interest. The billing statement for XX/XX/2020, indicated a credit for {$800.00}. Then, the billing statement dated XX/XX/2020, contained a purchase for the same amount : {$800.00}. I contacted SearsMastercard by telephone and spoke to " XXXX '' and asked why the disputed charge and been added on to the new account ending in XXXX. She said SearsMastercard would look into it and contact my by mail with their result. I received a letter from them dated XX/XX/2020, stating that they had determined that I was responsible for the {$800.00} charge because I had not identify disputed transactions. The billing statement dated XX/XX/2020, indicates that the disputed {$800.00} has not been deducted from the new account. On XX/XX/XXXX, I wrote to Sears Security Operations ( who had written the XX/XX/XXXX letter to me ) stating that I had identified the disputed charge, that it was the {$800.00} arising from an alleged purchase at " XXXX XXXX. '' and that I continue to dispute any such charge and asking them to provide me with any contrary information and documents they might have. To date ( XX/XX/2020 ), I have received no response from Sears Security Operations or SearsMastercard. I continue to dispute the {$830.00} charge.
Complaint sub-issue: Banking errors

On XXXX XXXX I had {$1400.00} stolen from my US Bank personal checking account through my Email address that was linked with XXXX. After calling a Telephone number that I had XXXX  for XXXX  I spoke with an individual Who claimed that he was an account manager for XXXX and stated that he needed to verify me through my US bank account that was linked to my XXXX account. I had been on the phone for over two hours with this individual because I had a question about the XXXX app.He had attempted to verify me through various means. On XXXX XXXX I reported the theft to XXXX and received a fraud complaint number and was instructed to call my US bank in XXXX XXXX California to report the fraud. I also filed a police report with the XXXX Police Department, The FTC, all three credit bureaus and had to change my username and password on all my accounts. I called US Bank and reported the theft and XXXX fraud complaint number to the XXXX XXXX branch manager XXXX XXXX XXXX. XXXX XXXX XXXX proceeded to harass me and claim that I did not have a fraud claim and that it was a scam.She literally took my words out of context and used them against me. My claim was denied because she had filed it as a dispute. The fraud department claimed that It was an authorized-transaction and subsequently denied my claim. .After several hours and days on the phone Between XX/XX/XXXX and today XXXX XXXX with the fraud department My fraud claim was finally filed. The fraud department instructed me to take the police report and all my supporting documents to US bank branch in XXXX XXXX.The documents were hand-delivered from my wife to XXXX XXXX XXXX the XXXX XXXX XXXX branch manager. XXXX XXXX XXXX failed to file the documents in a timely manner so the fraud department could make a valid decision. She filed the dispute claims three times and each time I was denied because they said it was a duplicate claim. I complained to the District manager XXXX XXXX about her performance as a branch manager. If this matter is not resolved with the {$1400.00} funds credited back to my personal checking account I shall have no choice but to file complaints with the FTC, The consumer financial protection bureau and the XXXX XXXX XXXX against the branch manager of XXXX XXXX US Bank. In my opinion XXXX XXXX XXXX is incompetent and unworthy of her position.
Complaint sub-issue: No notice of investigation status/result

HiMy name is XXXX XXXX on the XXXX of XXXX I received a call from XXXX XXXXTelling me that I could n't not refinance my house with them because XXXX had reported a XXXX on my credit. I call them on the XXXX try to dispute my XXXX my cause I thought that I had paid my final balance with them with it was very small between XXXX to XXXX dollars. I when I head and paid to total balance that had jump up to XXXX dollars. I ask them to please removed the XXXX and they told there was not mistake I asked them why dint costumer services send me a letter or a call. Well that had my wrong information I went ahead and updated now they are telling me that they had the right information and that I sing up fire statements y told that was a mistake. They dont want to accept that they made a mistake, I could no long refinance my house I explain to them that I was trying to do this to keep be able to keep up with my mortgage. Please help us as consumers we have no protection against all this big scan comp.
Complaint sub-issue: Information belongs to someone else

I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT XXXX they are really giving me a hard time about removing these items off my report Company-XXXX XXXX ATG credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to XXXX
Complaint sub-issue: Information belongs to someone else

I called Equifax and XXXX and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit
Complaint sub-issue: Information belongs to someone else

filled police report and ftc report please help fix these issues im having please remove and block the acounts of issue please remove under FCRA ACT 605 B
Complaint sub-issue: Information belongs to someone else

These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment.
Complaint sub-issue: Didn't receive notice of right to dispute

On Monday, XX/XX/2019, I received a voicemail from XXXX XXXX representing Allied Interstate LLC. On XX/XX/2019, I sent am email to Allied Interstate LLC indicating the type of contact made and my hesitation talking with anyone over the phone ( due to phone scams running amass this day and age ) without first receiving written correspondence. I also said in my email that XXXX XXXX ( collector ) called my phone before XXXX XXXX. The email responded asking for my phone number. I responded giving it to them. They then responded saying to call their agent at XXXX, seemingly to disregard my formal request for them to send me written information on the matter.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I C System added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, I C System has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Complaint sub-issue: Trouble with how payments are being handled

I have made a few payments that should have qualified for XXXX but they are saying there is no bill. One is being " reviewed '' but has been for the past 1.5 years. This payment was made XX/XX/XXXX in the amount of {$1900.00}. Another payment in the amount {$1100.00} made XX/XX/XXXX is marked as ineligible. I have attempted to get this resolved several times since filing the request to have them reviewed and each time I am met with the response that it is under review with no ability to delineate a time line. I should qualify for forgiveness in a little over a year and would like to get this handled especially with the looming Department of Education deadline of transfer of loans to another servicer.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Equifax, XXXX, XXXX  XXXX XXXX balance XXXX is not my account but on my credit ( Equifax, XXXX, XXXX  will not remove and XXXX will not answer my calls ) XXXX   XXXX XXXX reported on Equifax not my account XXXX XXXX XXXX   {$990.00} Reported on XXXX, Equifax, XXXX not my account and was not removed XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance on XXXX  & XXXX and was not removed XXXX collection account doesnt belong to me and was not removed. 
XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX Last reported XX/XX/XXXX {$510.00} Reported balance on XXXX  and XXXX not my account XXXX collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX closed account reporting on my XXXX report that will not be removed it doesnt belong to me ( Equifax Equifax inquires that are not mine contacted equifax and creditor to remove but no help XXXX XXXX, L Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX inquires not from me. I have reported by XXXX   has not removed XXXX Inquiry from XX/XX/XXXX Bank XXXX-XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Acc Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Auto Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX inquires that do not belong to me XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX 2018
Complaint sub-issue: Problem during payment process

I have a Macy 's American Express card. I made a payment on XX/XX/XXXX for {$50.00} due by XX/XX/XXXX. My minimum payment was {$29.00}. I then made another payment of the remaining balance of {$190.00} that cleared AMEX on XX/XX/XXXX. The statement closing date for that cycle was XX/XX/XXXX. However, I received my bill for XX/XX/XXXX and the payment for {$190.00} was not on the bill. It was collected by AMEX though on XX/XX/XXXX. There appears to be a few days between the actual closing date of XX/XX/XXXX and the date payments are made. I received a late fee on my XX/XX/XXXX statement and FINALLY my payment of {$190.00} shows up in that statement with a closing date of XX/XX/XXXX. So my payment cleared on XX/XX/XXXX was not applied to either XXXX or XXXX, but then shows up in a statement on XX/XX/XXXX AFTER a late fee was applied. I called customer service to find out why a payment made in early XXXX was not applied until a XXXX bill and why I got a late fee then. The customer service agent reversed my late fee and said she would file a complaint with how billing is done. I would like to formally file a complaint with billing. It is deceitful and confusing to customers to not apply a payment for the next billing cycle, but apply a late fee. Had I not caught the problem and try to reach out for answers on how this happened, I would have had a negative billing late fee on my account and no answers on the delayed payment.
Complaint sub-issue: Debt is not yours

XXXX is attempting to collect a debt for XXXX. This debt is not mine and being reported as a derogatory mark on my credit report. XXXX is currently still sending me catalogs stating I have been approved for credit. I do n't understand why they would do this if they say I owe them money.
Complaint sub-issue: Account status

I paid my student loans to XXXX in full, then closed my account. My spouse, who passed away, also had student loans with XXXX. After she died, XXXX tacked her charges to my account -- -even though my account was closed. 
I submitted a complaint with the XXXX about it. XXXX XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; contacted me as my advocate at XXXX. 
He told me that the charge had been incorrectly added to my account. Moreover, he told me that the balance would be removed, and the credit bureaus notified. It 's been over month and a half since he gave me this update, and XXXX has not updated the bureaus. 
XXXX XXXX also has not returned my follow-up email or my call after I inquired about the lack of change. Please help me.
Complaint sub-issue: Problem getting my free annual report

Total frustration! Apparently, annualcreditreport.com does not request enough information from users for the credit reporting agencies to process the requests. XXXX was the only agency that would furnish an online report.
Complaint sub-issue: Frequent or repeated calls

On XX/XX/19, XXXX XXXX contacted me via text message twice without ever having my consent to do so. In this communication they did not provide proper advisement that this is an attempt to collect a debt and any information obtained Will be used for that purpose. Additionally, it was disclosed in the text message that the debt was owed to a medical facility which comes very close to violating HIPAA since this company had in no way actually verified my phone number and could have been disclosing this information to anyone. Upon contacting the company and trying to figure out how or if they had obtained my authorization to text me, they advised that it was provided by the client and if I have a problem with it, I should get an attorney.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social security number. As well as the consent I gave them to report anything ...
Complaint sub-issue: Deposits and withdrawals

Hello, I Deposited a {$400.00} check via the US Mobile app on XXXX the XXXX 2022 and per an email I received from them the check was accepted and partial funds would be available immediately, which was {$250.00} and the remaining in a day or two. Once the deposit was submitted i checked my account and the {$250.00} funds did show uo in my account and everything looked fine. The next day i try to use my card and i couldnt. I go online and see i only had {$5.00}. On my account they {$400.00} check deposit still showed and it looked find but for some reason it was beinh withheld. It is now XX/XX/XXXX and US bank hasnt had the idea to notify me about what happened to my check deposit. I find that very shady and very unprofessional for them to hold my funds without any explanation, like who do they think they are? And i can confirm the check already cleared yet they are holding MY MONEY. Please help
Complaint sub-issue: Account status incorrect

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the Accounts, I believe it was reporting in error. 

XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Equifax : XXXX XXXX Balance XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}