Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Macys, has violated my rights. This is my second complaint to the cfpb in regards to this late payment that is being reported on my consumer report. 

15 USC Section 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I did not receive any communication giving me the opportunity to opt out of the reporting. 

15 USC Section 6802 ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was not aware at the time that I had the right to opt out. If it was explained to me as stated by law, I would have had the chance to exercise the right to opt out. The terms and conditions were not clear and did not give me the opportunity or knowledge to opt out of the reporting. I am just now hearing about an opt out option from MACYS in the letter where they responded to my first complaint. 

15 USC 1681 ( A ) ( 2 ) Exclusions : BY LAW consumer report does NOT include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction history should not be on my credit report and I did not give MACY 'S permission to report my information. I would like for this account to be deleted.
Complaint sub-issue: Funds not received from closed account

Please refer to my prior Complaint ID # XXXX. 

To date, I received {$47.00} but Citibank still has not issued me the check for {$610.00} which they said they would do in response to my complaint ( please see their reply ). Their letter was dated XX/XX/2020 and I was supposed to allow 7-10 business days which has passed. I called on XX/XX/2020 and spoke with the supervisor who said she would inquire with the office which was supposed to issue the check and then she would give me follow-up call today regarding this matter but I have yet to hear from them. I requested on XX/XX/2020 that I should be paid interest on the funds I am still owed from Citibank since my CD matured on XX/XX/2020 and I still have not been paid the total money which I am owed, for a mistake that they made.
Complaint sub-issue: Funds not received from closed account

On XXXX, I logged into my mobile banking app for my account with Citibank. I seen that there was a block on my account. There was no email, no call or nothing sent on why it was a block on the account. I called Citibank several times, no one has any information on why its been closed, all Ive been told is that I will receive the balance of the account via check within 60 days. Each person Im, Ive spoken to has been rude and has hung up on me. I dont have 60 days to wait. I have a new baby arriving really soon within the next day or two. I need help resolving this issue. If they need to close the account thats fine, I just need my money thats in it
Complaint sub-issue: Debt was paid

I received a letter that looked very official from XXXX XXXX XXXX with an account number and website to pay the amount in collections ( outstanding balance was about {$1100.00} ). 
I paid {$600.00} before I read down to the bottom of the letter. I paid off a debt to XXXX XXXX XXXX XXXX via XXXX XXXX XXXX in XXXX. 

I tried to stop the payment from going through after I realized that I was probably the victim of a scam, but the payment went through within 3 minutes. The following morning I called XXXX XXXX XXXX and spoke with someone by the name of Mr. XXXX. I told him that I thought payment was wrong and that I had already paid off XXXX  XXXX, and that I wanted my money back. He said he could not refund my money without talking to XXXX XXXX and that he couldn't just take my word for it. I asked him to call XXXX XXXX while I was on the phone so that we could clear this up and get my money back to me. He said he couldn't do that, because the verification from XXXX XXXX had to be requested via email. I told him that I had never heard of that being a reason. I called him a liar and he hung up on me. 
I called First South to inquire and see if I actually had an outstanding balance that I was not aware of and if not, would they call the XXXX XXXX XXXX  company and help me get my money back. 
The XXXX XXXX Representative told me that they do not use a company by that name, and that my debt was paid off in XXXX of XXXX  through XXXX. That is the information I needed. 
I called XXXX XXXX back, and I have left at least 5 messages and have not been able to speak to a live person. 
The phone numbers I have for this company are XXXX, XXXX which is supposed to be the number for XXXX XXXX, but it takes you to the same voice message.
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED YOUR COMPANY BEFORE CONCERNING IC SYSTEMS IN THE AMOUNT OF {$1800.00}. THIS ACCUNT DOES NOT BELONG TO ME YET YOU STILL CONTINUE TO KEEP RE-ENTERING ONTO MY CREDIT FILE. IC SYSTEMS HAS NO LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE CONCERNING THIS ACCOUNT. NEITHER HAS IC SYSTEMS NOR THE COMPANY IT REPRESENTS XXXX  EVER CONTACTED ME REGARDING THIS ACCOUNT IN ORDER FOR ME TO DISPUTE THE VALIDITY OF THIS ACCOUNT. PLEASE REMOVE IMMEDIATELY FROM MY CREDIT FILE.
Complaint sub-issue: Debt is not mine

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Education Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Complaint sub-issue: Account status incorrect

As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. XXXX transfer this account to another company XXXX as of XXXX XXXX.During that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. XXXX has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. XXXX  is/was no longer my service provider and has reported my account being 120 days late!
Complaint sub-issue: Their investigation did not fix an error on your report

Account # XXXX XXXX XXXX still reporting a past due balance and late payments on my credit report after they have sold it to XXXX XXXX XXXX XXXX collection agency ). It is against violations to continue to report a past due balance on a charge-off debt and sold to a collection agency. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  some other banks showing over limit b/c of my breach they need to to correct this asap bc im looking to buy a biz it's causing some weird scores to show up see attached documents
Complaint sub-issue: Debt was paid

Receivables Management Systems keeps reporting a collection of debt that I have disputed since they started reporting it to XXXX. They are stating that the original amount of the debt is {$69.00} from a XX/XX/XXXX visit to XXXX XXXX. When receiving care from XXXX XXXX, one can not receive care without first paying for the service. Any further billing beyond the visit would be the responsibility of the insurance company to pay -- which at the time was XXXX XXXX. Any services rendered at a visit to XXXX XXXX would have been fully paid to receive the service. 

Receivables Management Systems has been completely incompetent since I finally reached out to them by telephone in XX/XX/XXXX. Each follow-up call I make they have indicated that the account is being " researched '' since it it being disputed, and I get put through to a voicemail for a person named XXXX XXXX. This was their response again today, XX/XX/XXXX as well as a refusal to put me through to any actual person who could help me. As they have continued to drag their feet looking into it for the last 6 months they have continued to report it to XXXX. The amount of this debt also continues to grow with interest being tacked on and now sits at {$160.00}. 

I am reaching out because I seem to be getting nowhere with resolving this issue which continues to denigrate my credit score and continues to get worse.
Complaint sub-issue: Account information incorrect

Im in EBB program and i never received internet
Complaint sub-issue: Account information incorrect

There is a XXXX XXXX  account on all three of my credit report. On my XXXX it says I have a late payment on XX/XX/2018. On my XXXX  and Equifax credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.
Complaint sub-issue: Debt was paid

This company was contracted by XXXX XXXX to collect on a debt originally owned by XXXX XXXX XXXX. Unifin & I came to a settlement amount of {$2600.00}. This was in XXXX of 2020. On XX/XX/XXXX I obtained a Cashiers check in that amount. It was then mailed to Unifin and delivered on XX/XX/XXXX and deposited on XX/XX/XXXX. It officially cleared the account on XX/XX/XXXX. The first week of XXXX, a call was made to Unifin to get an update as I had not received a receipt nor anything stating this was now settled. They claimed the check bounced and that they shredded the check. How did they shred the check? Even if a cashier check could bounce, how did they get the check back from the bank to allegedly shred it? Cashier checks are prepaid instruments, and unlike a personal check, they do not bounce. Unifin then claimed that they shredded the check. I was baffled by this because if this was sincerely true, they would have called or sent a letter. They had no hesitation in calling or sending a letter when attempting to previously collect a debt. They then told me that since the money never left my account, I should go ahead and just pay with my debit card. After arguing with them for some time and telling them that cashiers checks do NOT bounce, they said they'd investigate and give me a call back. When they called back, they told me they were still investigating. In the mean time I called my bank ( XXXX XXXX ) who told me an attempt had been made on the cashiers check as an ACH debit which resulted in it being declined. My bank then told me the check cleared the account on XX/XX/XXXX and provided me with a written letter and proof. Yet Unifin denies this despite the check being clearly stamped " Unifin for deposit only '' ( which XXXX provided me with a company ). To this date, I hace not heard from Unifin. Since all calls are recorded, I encourage you to pull the tapes.
Complaint sub-issue: Information belongs to someone else

I have informed you that I did not give anyone the right to open nor list these accounts on my report. As the consumer I informed each company that I didn't authorize any of this over 90 days ago and yet I am still being violated. I don't want to seek the fine related to this violation of my right but I will if need be.
Complaint sub-issue: Card opened as result of identity theft or fraud

I AM VICITM OF AN IDENTITY THEFT, I HAVE BEEN SCREAMING ABOUT THIS FOR THE PAST ONE YEAR IF NOT LONGER, THIS IS RIDICULUS THIS FRAUDULENT XXXX BALANCE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. A THIEF HAS MAINTAINED THIS ACCOUNT AND MADE CHARGES ON THIS ACCOUNT, THE CHARGES AND THE ACCOUNT IS FRAUDULENT, IT IS NOT MINE, DOES NOT BELONG TO ME. 
THIS FRAUDULENT ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT
Complaint sub-issue: Problem with fees

My balance of XXXX was due XXXX, paid XXXX. Then paid XXXX for late fee ( my fault, didn't review stmt ). Then I noticed my balance was XXXX called XX/XX/19 to see if XXXX payment was lost... was told original late fee was more than XXXX and then I had been charged a late fee on a late fee resulting in the balance of XXXX. 

My questio : Is it legal to charge late fee on nothing but a late fee. This is outragous... Then the young man who was bordering rude told me, we ma'am you haven't asked me to reverse the fee to which I replied I shouldn't have to.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX, I purchased a tv from XXXX XXXX for {$120.00} off a XXXX ad. Around XX/XX/XXXX, I started to email the company and they didn't respond. Around XX/XX/XXXX, I received an email from them stating to wait patiently. I them opened a claim with direct express and was refunded the full amount on XX/XX/XXXX. On XX/XX/XXXX, Direct Express reversed the claim and debited my account for {$120.00}, purchase amount of tv. I asked to receive detailed information about the case reversal to which they sent a short letter stating that there was no error in the transaction. I have made approximately 15 phone calls and an appeal to Direct Express. before I get an answer regarding my questions, I get hung up on. It is obvious they refuse to refund my money even though I never received the product debited to my account nor have I received a refund from the merchant. Direct Express has shown no interest in resolving this complaint. It is for that reason I am asking for your assistance in recouping my stolen money as I am a XXXX  on XXXX income. The states attorney has referred me to you and I have contacted the XXXX  to make a claim against XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've been working since XX/XX/2020 to get it cleared up. I've sent letters to the bureaus and letters to the creditors several times. The bureaus letters were a series of stall tactics. Everytime we called they said they did not have any documents ( which we sent 4 times ) yet the I received a mailed letters requesting specific ids. I sent passport, they asked for ssn, which I also provided. I sent letters to the creditors and got no response. They did not verify that the inquiry ( CREDCO Inquiry : XXXX. XXXX, 2020 ) were authorized.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a Economic Impact Payment Card in the mail the week of XX/XX/XXXX. I did not want to activate the card because the issuer wanted my SS number and banking information. It wasn't clear to me that it was connected to the government stimulus package. I could not find any details through the IRS.gov website. My tax preparer did send me additional information about the terms and conditions but could not vouch for its legitimacy. Under the terms and conditions it states I can opt for a check payment by contacting their customer service. When I used the number listed it goes straight to card activation and never to customer service. The card is enabled by Money Network and is issued XXXX and the only number listed is XXXX. I just want a check issued to me just like the previous stimulus check.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I mailed out several letters regarding inaccurate and unknown things on my credit report. It has been over 60 days and I haven't got any response or action from them. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and I'm asking you to help me resolve this.
Complaint sub-issue: Debt is not yours

A collections agency, Voss Klein, is reporting to the credit agencies that I owe them a debt. I have never done business with this company and do not believe that I owe them anything.

I believe that they may have purchased a disputed account of mine, but they do not respond to my requests to send me a debt verification letter or to otherwise show me that they have purchased this account. 

Furthermore, I believe that they have improperly filed a lawsuit against me using the name of the original creditor as the Plaintiff. When I ask the attorney ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) who owns the debt, he tells me that the school ( the original creditor ) does, but Voss Klein is reporting to the credit agencies that I owe it to them.

And neither Voss Klein nor XXXX XXXX will give me a debt verification letter, so I can not tell who actually owns this account.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$940.00} or XXXX XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$24.00}.
Complaint sub-issue: Reporting company used your report improperly

The List of Companies That Have Violated My Federally Protected Consumer Rights and confidentiality UNDER 15 USC 1681! 

In accordance with the Fair Credit Reporting Act, Account # 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXXXXXX XXXX Account Number 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX XXXX Account Number # 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX Account Number 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX XXXX Account Number 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX XXXX Account Number 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX  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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX 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. My legal rights have been violated. 



.