Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Not given enough info to verify debt

Enhanced Recovery Company reported a collection to XXXX on the XXXX of XXXX XXXX. I feel they are violating the Fair Debt Collection Reporting Act by acting as an original creditor and updating my credit report as of the XXXX of XXXX XXXX showing that this debt is 30 days past due. Also, they have not/or will not produce original documents of a signature and/or contracr showung this debt is indeed my debt. When I viewed my XXXX credit report it shows the original creditor to be XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.
Complaint sub-issue: Billing problem

This started XX/XX/XXXX, unable to make my XXXX payment due {$290.00}, after talking to them the autobill pay would be stop and I would let them know when to resume. By the time the money was returned to me, I contacted them, since it was close to the next payment, I ask could I just pay XXXX and XXXX together, they said OK and stated to me there would not be a late charge or fee as long as it was paid by XX/XX/XXXX. So, on XX/XX/XXXX. I walk into the Bank and paid with cash. What was done when they processed the payment they took the first {$290.00} and applied {$190.00} interest, {$100.00} to principle, and the second payment of {$290.00} was all applied to interest. which is not correct. Note autopay had not been restarted as far as I knew. at that point they have XXXX payment total. So I notified my bank, show what was going on. they reversed the charge of {$290.00} to me. which made the account current and they would not get any more than they were supposed to. Before my next payment became due for XXXX I received a notice about and additional {$20.00} added to my account because a payment was reversed back to me from my bank. Which made my balance due for XXXX $ XXXXThey stated to me I did not verbally tell them to totally stop the auto-pay. I was also told that once I paying the {$290.00} plus the {$20.00} late fee, which total {$310.00} any other fee would be removed and I would be current I then can resume my regular payment. that did not happen Between XXXX and XXXX the fees were applied back to my account. I received phone call from their collection department. I put in several disputes where management I have been charged {$20.00} per month late fee totaling over {$120.00} up this point. after I constantly stated, '' Im not paying any late fee or extra fee on this account. I paying my regular car payment each month. Another collection agent XX/XX/XXXX told me to go into my branch have them put in a internal reversal of the {$590.00} and then applied it properly and remove all the fee. They did a reversal but the payment is not applied properly. ( that number is on the activity sheet dated XX/XX/XXXX. this is in their handwriting from the bank. Some of my payment disappeared you can see 2 months in a row on the account activity sheets. Last Wednesday I have been referred to their escalation department and spoke to and individual by the name of XXXX who stated to me that she request the fees to be removed and it would show almost immediately, that did not happen. Looking on their website Last payment paid on XX/XX/XXXX which is my XXXX payment and my payment due by XXXX XXXX is {$410.00}. I also made a complaint to the XXXX XXXX of XXXX XXXX for assistance, they have tried several time to contact them with no response back, I now referred to you for assistance, Thank You
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a large purchase from XXXX XXXX on XX/XX/2020 for {$14000.00}. Then in XXXX I cancelled the order since the company could not meet my demands. I have a return receipt from the company for {$14000.00} on XX/XX/2020. I called my Citi credit card and filed the dispute and emailed a copy of the return receipt. Citi cards closed my account and did not resolve my dispute. The credit card company still says I owe this amount.
Complaint sub-issue: Their investigation did not fix an error on your report

Inquires on my account from companies I do not have an account with.
Complaint sub-issue: Company closed your account

Executive Response Unit XXXX XXXX  XXXX XXXX XXXX, SD XXXX Dear Citi Bank, I'm writing and inquiring the recent closure of my Citi Bank Credit Cards. On XX/XX/2019 I found that all my Citi Bank Credit Cards were closed for unknown reasons. For your information, card # XXXX XXXX XXXX XXXX. 
I have been Citi Bank customers for over 10+ years and never made a late payment. My Credit Scores are 800+. I would like to understand the reasons that have triggered closure of all my credit cards. I believe this must have been mistake on Citi 's end, and would need Citi to rectify this error immediately.

I demand Citi to issue me all my un-redeem cash back immediately. I also request Citi to re-evaluate my closure. 
I thank you for your time and reconsideration and I hope to hear back from you soon. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with paying off the loan

My name is XXXX XXXX my XXXX XXXX XXXX was deemed a total loss do to an accident on XX/XX/XXXX I contacted U.S. Bancorp aka U.S. bank on XX/XX/XXXX to advise of what had happened representative was very rude I asked for 10 day off and per diem she ended up hanging up on me I did n't not get name then I called on XX/XX/XXXX spoke with XXXX requested payoff amount which was XXXX good to XX/XX/XXXX called XX/XX/XXXX spoke with XXXX who informed me that they would charge me a fee for my payment history so I could send to my gap company called us bank on XX/XX/XXXX tt XXXX who then transferred me to XXXX I had mentioned about the cost of history he stated would send me statements from the start of my loan and any problems to directly call him at ext XXXX then I called us bank on I believe XX/XX/XXXX did not get reps name I was on my break at work I inquired about the letter for guarantee of title stated that was sent to my adj XXXX at XXXX on XX/XX/XXXX contacted XXXX not was received and she requested it on XX/XX/XXXX after XXXX was deemed a total loss then on XX/XX/XXXX or XX/XX/XXXX I made the payment for a car I do n't have I have expressed this concern with us bank on the calls I then made a call to us bank on XX/XX/XXXX and talked with XXXX and advised him I am done he needs to get manager or supervisor on the phone rep XXXX got on phone I stated that I was done I am now facing 2 car payments on XX/XX/XXXX and stated things will be taken care of it that she would contact back office?? I told her that I want this resolved today gave her my insurance adj name and # and she gave me her # XXXX and i gave her mine and that if I needed to speak to her to call her directly so I called XXXX XX/XX/XXXX left message then my ins. adj XXXX called me XX/XX/XXXX said that she did get a message from ash and tried to call her back and no one have  gotten back to me or my adjuster again the run around and the stress that this company has put me thru i want this to be done so i can go on and not worry about this it will be 4 weeks since my accident and i still have yet to file my gap claim because of the delay from us bank and their reps and now i am facing another car payment on a vehicle that i do n't have it is n't their credit it is mine please get this matter resolve preferably sooner then later
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2018 I tried submitting an online dispute with Equifax via their dispute website : www.investigate.equifax.com. I received an error message that said they were unable to initiate my dispute with the information I provided. I then called ( XXXX ) XXXX to file the dispute with a live agent. After holding for several minutes, my call was answered by a representative named " XXXX. '' XXXX asked me my confirmation number and I provided it to him. He then asked if he could place me on a 1 to 2 minute hold, while he tried to access my information. He came back on the line and asked my my name. I gave it to him and he asked me to repeat it twice. I did. He then asked if he could place me on another 1 to 2 minute hold to verify my information. He came back on the line and asked me for my address, I gave it to him. He asked me to repeat it twice, I did. He then asked to place me on another 1 to 2 minute hold. He came back on the line and asked me how could he assist me. I told him I was unable to submit a dispute online and need the assistance of a representative. He then asked me my confirmation number AGAIN. I asked him what the problem was and he said he just needed to place me on another 1 to 2 minute hold. He came back on the line and said he needed to verify my information again and would I be able to repeat it. 

I feel like I'm being treated like I'm doing something wrong by trying to access my OWN personal and confidential information. I was unable to get assistance online or via phone with Equifax. This has happened to me in the past, and I need clarification as to what the problem is. 

My credit is crucial to my well being and I am unable to get answers or assistance from Equifax. 

I need help.
Complaint sub-issue: Don't agree with fees charged

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Complaint sub-issue: Contacted employer after asked not to

Hello i took a loan out for with a pay day loan company and lost my job a few months later something out of my control i let the company know and they did not care or listen or work with me on the situation and continued to harras and call me and my old job that i did not work for anymore a few times with out consent or after i told them to stop calling..
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 an 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 or 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX  ACT # XXXX, XXXX XXXX ACT # XXXX , XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX ACT # XXXX, XXXX ACT # XXXX, XXXX ACT # XXXX , XXXX XXXX ACT # XXXX, XXXX  XXXX ACT # 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: Problem with statement of dispute

A collection account from XXXX has been miss reported on my credit reportwith Equifax. I have disputed this with Equifax for over XXXX years and it still remains. This collection account has been removed from both XXXX and XXXX XXXX and XXXX companies have shared this information with Equifax. However, it still remains on my file with Equifax. I have even spoke with a supervisor at Equifax about this. It 's time they receive a {$1000.00} fine for non-compliance of FTC regulations.
Complaint sub-issue: Fee problem

Bank of Texas falsely claims they have " Free Checking '' but charge a fee for paper statements and REFUSE to let customers opt out of that fee unless they sign up for online banking=which EXPOSES customers to fraudulent activity. 

Forcing customers to expose their accounts to fraud seems unlawful. It should not be a requisite to obtain something deemed 'free '. 

I'm asking CFPB to prohibit financial institutions from claiming a service is " free '' if it's " free '' if and only if clients are forced to expose their finances to fraud thru online banking or other undesired exposures. 

see website here : https : //www.bankoftexas.com/personal/products-and-services/personal-banking/checking-accounts/free-checking Site does not disclose that online banking is demanded for checking to be " free ''
Complaint sub-issue: Problem getting a working replacement card

On XX/XX/XXXX, I applied for a SEARS MasterCard while making a purchase at the SEARS in XXXX XXXX in XXXX XXXX, MI. I was accepted and given a credit line of {$6000.00}. I have not received the card. I called Citibank nearly twenty times on XX/XX/XXXX. I was told that I should have received my credit card a while ago. I was told that my address was not the address on the account, and that my phone number was not the one on record so they could not verify that it was me calling. Even though they stated that my phone number and address did not match their records, they left a message on my answering machine using the phone number that they claimed was invalid questioning recent activity on the credit card. I was told that they would send paperwork to my address according to public record immediately. I have not received anything. I was offered twenty off my purchase at Sears by applying for this credit card, it would have been worth the extra twenty to have avoided the stress this is causing me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account 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 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
Complaint sub-issue: Didn't receive notice of right to dispute

I received a notification from experian on around XXXX saying that my credit score dropped significantly and there have is now an account in collection. I tried to dispute the account several times but it didnt work. The debt amoun is for XXXX dollars I was not made aware of this debt and the account. I cant not file anymore dispute because of XXXX  with the lack of information, I have proof that contradicts that. On XXXX and XXXX there is no account in debt showing. It just showing on XXXX. Im trying to get rid of this account because I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Which make it impossible for me to open up and an account with a phone provider since I have an XXXX phone service instead of United stated.
Complaint sub-issue: Reporting company used your report improperly

Equifax is an freaking crook and they have stole my identity as a natural person and living being! Equifax has violated the FCRA law pursuant to congressional law 15 USC 1681-etc. I've attached an affidavit of truth! As of XX/XX/2021 they are violating the laws of congress and let the record reflect for the record and on the record it be made known.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is a complaint against XXXX XXXX XXXX The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

4 years ago, I called XXXX XXXX to say why I had late changes on my credit report when I never received a bill or an email or a phone that loan was due until I say them on my credit report.. I have filled through XXXX XXXX to havelate fees removed and many were removed except for one they left. I have filled many complaints with XXXX XXXX to remove this one late fee. They will not remove. 

Please help me Thank you XXXX XXXX
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 {$10000.00}, {$6500.00}, {$0.00}, {$16000.00}, {$12000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Complaint sub-issue: Seized or attempted to seize your property

Demand for proof of payment for property taxes in XX/XX/2022 On XX/XX/2022 I made a payment for my property taxes {$490.00} by my personal check XXXX XXXX According to unnamed " Financials '' coming from unknown to me parties, I was " charged '' for my property taxes again, while nobody provided me any evidence or authority to pay for my property taxes. 

I demand proof of payment for my taxes in XX/XX/2022 ; and the name of the Company who made this payment and name and contact information of its responsible employee ; and the name of Company who authorized this payment and the name and contact information of its responsible employee.
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$640.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$940.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX This account is in accurate Please reinvestigate this account and DELETE THIS IMMEDIATELY 4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA