Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

Macy 's Credit Card told me I would have to pay an extra {$5.00} fee today just to pay my credit card bill on my due date. Their auto pay phone system automatically kicked me over to a human being who said I would have to pay {$5.00} to pay my bill with human assistance, although I had already spent about 30 minutes and made about three calls to three different Macy 's automatic bill pay phone numbers I found online. They rerouted calls so that I could not use their automated bill pay system and avoid paying the extra {$5.00} fee. Their policy states you must pay the fee. But it is a contrived crisis. I could tell from the resigned tone that Macy 's employees used -- as if they had already encountered a lot of grief, cursing, and rants about the {$5.00} fee. 

This is my point. If XXXX or XXXX people are forced to pay Macy 's an unexpected {$5.00} fee on their credit card due date -- do the math. This so-called crisis was premeditated before my XXXX XXXX, XXXX  due date. It was not an accident or coincidence that on XXXX XXXX ( which was my due date for paying my Macy 's ) well, the automated phone pay system did not work -- not once but three times during a 30-minute or so span. 
XXXX XXXX ( XXXX Please Send Me a Text Because I Don't Answer Unknown Calls
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX have refused to remove a Medical debt account from my credit reports with them, even though the account was listed as a collection accounts less than 180 days since it 1st became delinquent. The account is from XXXX XXXX XXXX ( reported via XXXX XXXX XXXX ) for {$4.00} and 1st became delinquent onXX/XX/XXXX. The account was published as delinquent and a collection account onXX/XX/XXXX, for a total of 173 days since 1st delinquency. There was a miscommunication with insurance but this debt has since been paid. I tried to dispute this account with Both credit reporting agencies ( Equifax and XXXX ) but they refuse to explain why they are still listed and have not updated the actual dates of 1st delinquency and date of 1st report as a collection account.
Complaint sub-issue: Account information incorrect

I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.
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.

Convergent Account # 1234, 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. 

Inquiry details XXXXXXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Removal date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Opened XXXX {$4000.00} XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX Closed Closed on XX/XX/XXXX US DEPT OF EDXXXX {$87000.00} On time XXXX XXXX {$29000.00} On time XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX Closed Closed XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} Balance XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX XXXX - Closed 1 late payment XXXX XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed 6 potentially negative months XXXX XXXX - Closed 1 late payment XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed 2 late payments XXXX XXXX {$1300.00} Closed 9 potentially negative months XXXX XXXXXXXX XXXX  XXXX {$4900.00} Closed 15 potentially negative months XXXX XXXX {$2400.00} Closed 9 potentially negative months XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX - Closed 1 late payment XXXX XXXX XXXX {$1900.00} Closed 7 potentially negative months XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX {$29000.00} On time US DEPT. OF EDUCATIONXXXX {$6800.00} On time XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I file ( mail ) a dispute with XXXX & Equifax pretending to XXXX XXXX XXXX  on XX/XX/19 explaining that I was a victim of identity theft ( fraud ). Below is the exact wording in my letters. 

" My personal information was used to obtain or try to obtain credit in my name. Please remove this information from my credit report. I am not asking for you to validate or verify with the following companies, reasoning being they will of course validate or verify the info if my personal info has been compromised. These accounts are fraudulent, I have included a copy of the police report filed. ''
Complaint sub-issue: Information belongs to someone else

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX   XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. 
I have attach my id to proof my identity in this complaint.
Complaint sub-issue: Fraudulent loan

On XX/XX/2022 I sent a notice of dispute and debt validation & verification affidavit to Chief Financial Officer XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX in which I am questioning the Negotiable Instrument/ Promissory Note/ Retail Installment Agreement as in who funded the check the response I received back was just a copy of all my payments and the Retail Installment Agreement see attachment of my notice of dispute and debt validation & verification affidavit that need to be answered point by point under penalty and perjury the only way to settle this matter is to provide me with documentary evidence 15 USC 44 whereas that includes all documents, papers, correspondence, books of account, and financial and corporate records I need to Clarify who funded the check and How much is owed according to the journal and ledger ( GAAP ) entries from the date of open of the account as described in IRS publication 583. If you can not verify and validate this debt by the above listed means,, to even send me a letter? Are you committing mail fraud?
Complaint sub-issue: Information is not mine

Hard credit inquiry in my Equifax credit report from XXXX XXXX dated XXXX XXXX, 2016 does n't belong to me. I contact XXXX XXXX and notify the fraudulent inquiry on my report. Also, initiate a dispute with Equifax and they stay that I have to file a police report or wait two years in order to delete that inquiry from my credit report. Please help me. Thank.
Complaint sub-issue: Debt was result of identity theft

ERC {$1300.00} XX/XX/XXXX XXXX {$1700.00} account opened XX/XX/XXXX These accounts are fraud due to identity theft I want them removed because they do not belong to me.
Complaint sub-issue: Problem getting a working replacement card

CitiBank Still Uses Old Verification Method Through Mail Which Is Mind Blowing That A Bank So Large Own Real Estate Stadiums And Other Businesses, Cant Verify My Account With A Phone Number On File Thats Registered To My Name Citibank Is Fraud I Feel Like Public Records Should Be Illegal It Doesnt Help Anything But Make More Fraud Happen Anyone Could Find My Address Name Phone Numbers And Relatives I Just Think The Government Should Let Banks Have Less Regulation & Public Records Should Be Banned
Complaint sub-issue: Public record information inaccurate

I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with XXXX, XXXX or Equifax.
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery Corp. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Complaint sub-issue: Frequent or repeated calls

I 'm late on my bill. My husband got laid off I have spoke with someone and told them and I would call back whenever it was 15 days past due and they still are calling me every 30 minutes to an hour I finally answered the phone and told them I already spoke with someone and told them well the little guy was rude after that and I hung up. This is starting to wake me up in the mornings and it 's becoming a very big aggravation to me and my family.
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021, I sent a letter regarding all the unauthorized inquiries on my credit report. It is now XX/XX/2021, and I have not received results from my investigation. My information could have been involved in one of the credit reporting agencies ' data breaches. They have failed to keep the consumer 's private information safe and then could not help correct the situation. I felt used by the agencies and need help. All unauthorized inquiries need to be deleted by law asap.
Complaint sub-issue: Didn't receive notice of right to dispute

I am a victim of Identity Theft so I had an alert placed on my credit. That said, I have received several alerts that XXXX XXXX XXXX XXXX has accessed my credit. I have not received a notice from them so I dont know what this is about. I have wrote them as well and to date no one has responded to me yet they continue to access my credit. Latest date was XX/XX/2018.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report tax liens XXXX and XXXX. The XXXX XXXX XXXX XXXX enforced an initiative as of XX/XX/2017 that these tax liens must be deleted if not verified. Equifax has failed to verify these public records.
Complaint sub-issue: Trouble with how payments are being handled

Last year, in XXXX XXXX, I received a phone call that I had not paid my Discover student loans in 3 months and they were raising my interest rate. I received no calls prior, no emails announcing that my auto-payment had stopped. I paid the amount and my interest rate increased. 

Today, XXXX/XXXX/XXXX, I checked my credit score only to find that my student loans were again three months past due, amounting to over {$1000.00}. I was completely unaware that my auto-payments had stopped again ( for the second time ), no phone call, no letter. When I looked at my file, the last letter that was sent, was in XXXX and did not state anything about the auto-payments being stopped. 

As of today, I am {$1400.00} in debt ( 4 months past due ) and I had no idea that my payments were not coming out of my account. Almost all of my bills are on auto-payment, so I do not think twice. 

This has hurt my credit and caused me immense stress and frustration, because I have always wanted to pay my student loans on time. Why is this so hard? Additionally on the XXXX XXXX XXXX website, everytime I try to log in, it has me create a new password. Every single time, this glitch makes it incredibly difficult to casually log on to check account information, causing further frustration.
Complaint sub-issue: Debt was result of identity theft

This XXXX wireless dept of {$2300.00} is not mine, i live in Puerto Rico.Someone stoled my ldentiti. I have a bad credit because of this dept.its ruined my life.
Complaint sub-issue: Account information incorrect

Equifax is reporting a XXXX XXXX acct # XXXX this account is closed How can there be a past due amount for {$7300.00} with Equifax still reporting on this acct as of XX/XX/2020 my limit on this card was {$4500.00} how is my balance higher than my limit. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX same acct # XXXX with my credit limit of {$4500.00} a balance of {$7300.00} acct closed last report XX/XX/2020.
Complaint sub-issue: Their investigation did not fix an error on your report

Sent in a request on items that are no obligation to on XX/XX/20. Recently, just received a response, over 60 days, on XX/XX/20 and Equifax has ignored the request for accounts that were in question and has deleted accounts that were never asked to investigate. 

They removed Dept XXXX and XXXX XXXX, XXXX XXXX accounts which there were no issues with. Removing these accounts, brought down my credit score even more, which was purposely done. 

There's also no sign of investigation on the accounts that were in question ( XXXX, XXXX XXXX XXXX XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

The three consumer reporting agencies are reporting false and inaccurate information on my credit report. I requested verification and received a response that an investigation was done and that the debts are verified. I never received proof of an investigation which I requested. The debts are still reporting inaccurately The accounts are XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX
Complaint sub-issue: Information belongs to someone else

ON XX/XX/2021 I XXXX A LETTER ASKING EQUIFAX, XXXX  AND XXXX  TO INVISTIGATE MY CREDIT REPORTS BECAUSE THERE WAS INACCURATE INFORMATION ON MY REPORTS. TO THIS DATE THEY HAVE RESPONDED TO ME ABOUT ANYTHING. I PUT 10 ACCOUNTS FOR DISPUTE ON THE LETTER AND I HAVE YET TO GET ANY RESULTS. 

1.XXXX  XXXX  AACNT  # :XXXX  2. XXXX  XXXX XXXX  AND XXXX  TOT ACCNT # : XXXX  3. XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ACCNT # : XXXX 4. XXXX  ACCNT # XXXX  5. XXXX  XXXX  ACCNT # XXXX  6. XXXX/XXXX  ACCNT # : XXXX  7. XXXX  ACNT # XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, ATTORNEY GENERAL account # XXXX and # XXXX, XXXX / 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, consumer and creditor in fact am speaking on behalf of myself with no third party assistance. My privacy has been breached by Fedloan Servicing. All of my nonpublic personal financial information has been shared and this is required to be private according to the Gramm Leach Bliley Act. I did not consent for my information to be shared to any consumer reporting agencies. I demand removal of this information as this is a breach of privacy. Please see attached exhibits for proof that my data has been shared by you without my consent,
Complaint sub-issue: Their investigation did not fix an error on your report

I had several accounts with XXXX XXXX XXXX XXXX and I have requested information in reference to the accounts they are reporting on my file. I do not know if it's the bureaus or the credit union showing the incorrect information, so the accounts were already disputed with the bureaus and I sent a certified letter to the credit union requesting details that are reporting on my personal credit file. It has been well over 30 days and I have yet to receive anything from the credit union. I have attached proof of the request and proof they received it.
Complaint sub-issue: Was not notified of investigation status or results

THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.
Complaint sub-issue: Information belongs to someone else

I'm disputing these 3 accounts inwhich is not mines but has appeared on my credit report. I'm asking that the 3 major credit bureaus remove these accounts from my credit report. The accounts are # 1 XXXX {$250.00}, # 2 XXXX XXXX XXXX {$290.00}, and # 3 XXXXXXXX XXXX. Please remove these unauthorized unknown accounts.
Complaint sub-issue: Reporting company used your report improperly

My personal information was hacked from the Equifax system and was discovered in XXXX and we were just notified of it as of XXXX XXXX. They spent over a month knowing this information and not letting us know. It is a HUGE risk for millions of Americans including myself and I am very worried.
Complaint sub-issue: Debt is not yours

My personal information was stolen resulting in an alleged false accounting of debt ( s ). I have sent multiple letters to have this information corrected and have completed a complaint with the CFBP on XX/XX/2021 as well as a complaint with the Federal Trade Commission on XX/XX/2021. I have also filed an identity theft report with the police.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX, 2017 XXXX XXXX XXXX, Texas XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on all 3 credit files that is inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify theaccuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification : Conns Credit Corp XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old. Thank You, XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My Equifax credit report is n't refreshing or updating even though my creditors are updating my payment information monthly. This has cause me to have a low credit score as the last time that Equifax updated my information was in  XXXX . My Equifax report number  XXXX  shows accounts as not paid that have been paid in full. It shows collections that have been sent for deletion by the creditor. I have contacted my creditors and they have all stated that they have sent the deletions through to the bureaus and have update account information such as payment history and balances as well, all other bureaus have updated the information but Equifax continues to report bad information and inaccurate information. I have contacted Equifax a tota l of 36 times wit h each time they assure me that the information will be updated and to this day it still has not. Today i called and the representative stated that if i had an issue i should call  XXXX  a number that referred me to a credit counseling agency, obviously not what i need. I need my information to accurately reflect what the creditors are reporting and for my information to be fresh not as of 6 months ago.
Complaint sub-issue: Didn't receive notice of right to dispute

Hello, my name is XXXX XXXX, I am submitting a complaint with ERC Account # : XXXX ref # XXXX ( XXXX XXXX is Original creditor reporting on my credit report ). I called them to discuss a collection on my credit report and I had agreed over the phone to settle the account with the condition of them to REMOVE it from my credit report. Recently, I received a letter ( I have included ) and when I checked my credit report and score it still shows on my credit report. It not only shows on my credit report, but my credit SCORE has dropped almost XXXX points as a result of PAYING this account. I am very upset of this tactic of collection and them saying over one thing over the phone and doing something different once they received my payment. I believe this is unethical collections practices. This has caused extensive damage to my credit profile, I was qualifying to buy a home ( which is the reason I chose to pay this alleged debt ) and now this has greatly impacted my ability to do so, by drastically affecting my credit score. My score dropped from XXXX to XXXX. This is unacceptable.