Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

A few years ago my husband and I went through a bankruptcy. After the bankruptcy was dismissed I received 2 bills from NAR requesting payment. I contacted them immediately and let them know they should have been covered in my bankruptcy. They told me to contact my attorney and find out if the debts are owed. I reached out to the attorney which took a while, but he stated that one of the bills they were trying to collect was in fact included in the bankruptcy however the other was not and I needed to make arrangements to pay that one as it was for a date of service a couple days after filing. I again contacted NAR and shared the information I had obtained. They said, " sorry '' for the " mistake '' of trying to collect on the debt that was dismissed and gave me the balance on the other which included several fees and negative credit reporting. I told them that they made the mistake to collect on a discharged debt and I made a mistake by thinking they were both in the bankruptcy however I had contacted right away and disputing those and now trying to make that right. I felt it was fair that they remove the fees and negative credit reporting. I was transferred to several different employees and back again. For at least 3 years now I have called off and on to try to get this debt settled and removed from my credit. Each time I go through their transfer game, get a voicemail that is never returned, and a promise for supervisor review and a call back within 48 hours that is never returned. I sent an email over a year ago regarding the situation and telling them I was going to file a complaint that they continue to report on my credit but on not following through to allow me to properly manage the debt, not returning my calls when I have been told it is noted in the file several times. Same thing, calls and promises of call back with nothing. They never sent me a bill in the mail since the one that raised the question to begin with and have not sent anything since. They just continue to refuse to have their upper management review the file and come to a solution since they obviously made mistakes that violate the debt collection act as well. Now they continue to cause harm by reporting and not returning calls I am making to them. They also at one point did offer me a settlement that took a portion of the fees they have added off but told me they could not put it in writing for me that it would satisfy the debt in full. Another issue since this company apparently can not be trusted to keep their word and not engage in shady collection practice. I would like them to provide me a copy of all of the file notes from representatives from the date that they opened the file. I also have copies available of the bills they sent available upon their request.
Complaint sub-issue: Reinserted previously deleted info

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX
Complaint sub-issue: Deposits and withdrawals

On XX/XX/21 I opened a Citi online accelerated savings account. At the beginning of this year I noticed that I was locked out of my account. I attempted to call to resolve the issue since I couldnt reset my password. They informed me that my account had been closed and that I should receive a letter in the mail. I waited a few weeks and still no letter. Called again and was told the same thing. They informed me it could take up to 3 months. Ive called twice since and I get the same run-around. I have a little over {$3000.00} in the account and would just like my money back as I would like to reinvest.
Complaint sub-issue: No notice of investigation status/result

I had a dispute with XXXX over some overcharges on my Invoice. 
They did not want to hear about it so they gave it for collection. 
I finally paid the collection agency the full amount. 
Subsequently XXXX realized they had made an error and sent me a refund check. 
I have been trying since XX/XX/2009 to get this off my credit report and they wo n't do it.
Complaint sub-issue: Debt was result of identity theft

I realized this debt on my credit report. I am not liable for this debt, I never had a account with XXXX, nor do I have a contract with I.C. System. This company has not provided me a signed copy of the application as I requested to validate the account. This account is a result of identity theft and reported to FTC. It is a violation of FCRA to report inaccurate and unverifiable information.
Complaint sub-issue: Information is incorrect

Companies use LexisNexis Identity Verification services to verify identity. XXXX and XXXX ( the travel pre-check service ) both used LexisNexis Identity Verification in attempt to verify my identity. The automatically generated questions that LexisNexis 's product came up with were entirely inaccurate/ impossible for me to answer. One asked about someone named XXXX XXXX ( have no idea who that is ). Another asked what professional certifications I had ( none of which were relevant ). Both with XXXX and with XXXX, I failed the Identity Verification because of LexisNexis 's flawed product and inaccurate questions. I would like to rectify this problem as fast as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/2021
Complaint sub-issue: Funds not handled or disbursed as instructed

I signed up for the square then after some days they deactivated my account they sent me an email in which they are holding the funds for 90 days now its been more than 180 days all the disputes are resolved and 90 % are won by me they just kept sending automated emails but not releasing my funds
Complaint sub-issue: Not given enough info to verify debt

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Complaint sub-issue: Account information incorrect

Your company sent me a letter stating that the information on my credit report is accurate. When the Fair Credit Reporting Act ( FCRA ) states that 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. 

Department stores XXXX XXXX  has failed to investigate this billing error in the amount of {$940.00} which inaccurate information has been furnish to my consumer report. Your company has furnished my nonpublic personal information to the credit reporting agencies which is experiences and transactions between me and your financial institution. I never gave you consent to furnish any information about me to a third party company, Also I never gave the CRAs consent as well to furnish any info. Which is identity theft. your company is committing racketeering activity, Which XXXX and the Credit reporting agencies are knowingly using extortion to collect on a unlawful debt. ( 18 U.S code 894 ).
Complaint sub-issue: Their investigation did not fix an error on your report

Dear XXXX, Equifax, XXXX, and XXXX Thank you for sending me your internal records of the debt ( XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards me and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY LEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted my complaint, police report and identity theft report from the FTC XXXX Federal Trade Commission ). Today I'm submitting a new complaint specifically because I made an FTC ( Federal Trade Commission ) Identify Theft Report today XX/XX/2021. I've mailed a copy of the identity theft report to Equifax and XXXX today along with a copy of my passport and social security card. I had mailed a copy pf the police report last week so I figured I didnt need to re-upload it to this new complaint. I figured it would be efficient to also notify CPB ( Consumer Protection Bureau ) of my FTC Identify Theft Report. I've attached a copy of my Identity Theft Report to this complaint. There is an account called DEPT OF EDXXXX that is being reported under my name to the credit bureaus and the balance appears to be {$41000.00}. What makes this account very suspicious is that it is being reported as Pay as agreed even though I do not pay this account and I do not even know what it is. This account should be removed from my credit report because that isnt my loan. Also why is it being reported as pay as agreed If I dont pay that account or know what it is?
Complaint sub-issue: Debt was paid

On XX/XX/XXXX XXXX XXXX  XXXX  send me a letter saying that I'm in collection with them with a credit card that is not in my credit report anymore because it was payoff long time ago.
Complaint sub-issue: Debt is not yours

Regarding your previous feedbacks in CFPB, it verifies that : ( 1 ) NRA ( National Recover Agency ) reported on my history first, and then they tried to inform me.

( 2 ) The day of first delinquency is inaccurate or altered by NRA and reported to the credit reporting agencies. Anyway, the  current debt is not mine, because I have no unpaid statement bill on XX/XX/2018. 
-- - I paid/pay my valid bills within the legal period. My attorney advised me to stop paying any invalid request by any entity. Unless the bill is inaccurate, I am not owed. If you can validate the bill, I am willing to pay in return for your agreement to remove all information regarding this debt from the credit reporting agencies asap, despite the fact that I do not trust NRA based on ( 1 ) and ( 2 ).
Complaint sub-issue: Other problem getting your report or credit score

I mad a police report.And the issue is being investigating.
Complaint sub-issue: Information belongs to someone else

I have informed the three credit reporting agencies ( XXXX, XXXX XXXX, AND EQUIFAX ) of the fact that I am a victim of fraud and/ or identity theft. I have sent the three credit reporting agencies my FTC identity theft report along with the appropriate proof of identity, the identification of the information on my consumer credit file resulting from identity theft, and a statement that the information is not information relating to any transaction by me. I have also demanded that they block the information on my consumer credit file no later than four business days, pursuant to 15 USC 1681c-2. Its Been 11 business days since their receipt of my documents listed above and the information still remains on my consumer credit file.

I am aware of the credit reporting agencies right to decline a request a block, and or rescind any blocked information relating to the consumer if the consumer reporting agency reasonably determines that 1. the information was blocked an error or a block was requested by the consumer in error, 2. the information was blocked or a block was requested by the consumer on the basis of a material misrepresentation of the facts by the consumer relevant to the request to block or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

i have affirmed via an affidavit that there is no material misrepresentation of the facts being made by me, the consumer. if the three credit reporting agencies believe I obtained possession of goods and or services I need a senior executive member of the company to respond with proof via an affidavit signed under the penalty of perjury.
Complaint sub-issue: Attempted to collect wrong amount

Grant & Weber collection agency is intentionally, and fraudulently, damaging my credit. They received this debt from a medical procedure that was performed on me in 2013 - my employer was supposed to cover the cost of the procedure, but then reneged and lied to the hospital about the status of my insurance coverage ( separate issue ). Since 2013, Grant & Weber has charged over {$5000.00} in interest on the collection account. In addition, they have reported to the credit bureaus EVERY MONTH a 'failure to pay ', even though I never established a payment plan with them. This monthly logging of the 'XXXX  ' is causing the account to be refreshed/renewed each month, instead of progressing through the fall-off period. They are intentionally, and fraudulently, reporting it this way so that the debt can not fall off. I have contacted Grant & Weber to dispute the debt, but they refused to investigate, and refused to help me with the original creditor.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptlyle I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands
Complaint sub-issue: Information belongs to someone else

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX,
Complaint sub-issue: Personal information incorrect

Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, XXXX & Equifax ).

I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.
Complaint sub-issue: Problem with rewards from credit card

I received an email XX/XX/XXXX from Discover offering {$45.00} back when I activated a new membership using my Discover Card before XX/XX/XXXX. XXXX. 

I activated the membership on XXXX XXXX, XXXX in store using my Discover Card as directed in the email cited above. I told the XXXX XXXX associate I was using my card for the promotion and they said that should be everything I need to do. 

On XXXX XXXX, XXXX, I reached out to Discover to inquire about when I could expect reimbursement ( as it didnt show up on the statement Posted the prior week ). I told them the steps I took and was told that nothing else was required and I should receive the credit within 3 billing cycles. 

Today, XX/XX/XXXX, I reached out to Discover to ask about the credit and why I hadnt received it. I was told that I am not eligible for reimbursement for some unknown reason that XXXX XXXX and Discover Card can not communicate openly about and that I need to go to XXXX XXXX and find out why I am ineligible for Discover Cards promised reimbursement. 

They said they do not manually apply reimbursements and that if it didnt happen automatically, something was wrong and I would not receive it. 

They promised to share my feedback with the higher ups, but refused to do anything to fix the problem.
Complaint sub-issue: Their investigation did not fix an error on your report

i talked to 5 people at XXXX and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/2019, I applied for a credit card through an offer from the mail. I followed the weblink on the application, citi.comXXXX and followed the prompts. 
Once the application was completed it was submitted and approved. I was not given the option to deny or accept the terms it was automatic. 
When you complete the application process you are automatically signed up for the card before knowing what your interest rates or what your credit limit will be. This is not okay at all. 
I should know exactly what I am signing up for before accepting and given the choice to accept or decline. 
Also, the mailer I received offered the interest rates at 23.99 % and was given 24.74 %. When I tried to call customer service at XXXX XXXX PST I was transferred twice, hung up on once and told there was nothing I could do until 72 hours of submitting the application. And by filling out the application I was approving whatever they gave me without given the chance to deny their terms.
Complaint sub-issue: Information belongs to someone else

I have tried numerous times to communicate with Citicards CBNA regarding a listing on my credit report that is not mine to no avail. They continue to report a {$21000.00} balance to my bureaus of which I know is not mine. They refuse to send me copies of signed credit agreement or purchases.
Complaint sub-issue: Their investigation did not fix an error on your report

Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from XXXX XXXX XXXX from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors.

3 different open dates reported ; 3 different date of last activity dates reported ; XXXX  reports XX/XX/XXXX ; but Equifax reportsXX/XX/XXXX, and XXXX reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!