Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

On XXXX I withdraw XXXX from Synovus bank at the drive through. I went a branch to close out my account after i left the drive through. I received my monies that were in my account in cash when I closed on that day XXXX. The teller at the drive through called me surprisingly since it was after XXXX and asked had I closed my account. I told her that as we had discussed that I was closing it out. She signed, and I received an incoming call I put her on hold. She called me several times afterward. I decided since it was after hours, and I was on the phone, and just had picked up my kids, I would just go in first thing on XXXX. 
The next day XXXX I went to close out my savings account that was attached to the the checking account. I received a call from the branch early that morning, when I went in to talk nothing wasn't mentioned about my account being overdrawn. 
The manager called from XXXX XXXX XXXX XXXX and left a me an threatening message stating that she was going to put a warrant out for my arrest for fraudulent. I immediately called her back, since I was threatened and scared, and confused as to why she left such a message. 
When I got on the phone she immediately begin to accuse, and yell, and interrogate me to being a thief, and a fraud. I was so embarrassed and hurt since this never happened. She again stated if I didn't bring the money down she was going to call the police on me. The best thing she said was that the phone call was being recorded, I was relieved. She continued to disrespect, and try to make me say I was a fraud. I told her I no longer wanted to speak with her, and would like to speak to her boss. She pretended to call, but then got back on insisting to talk with me, and make me say I was fraud.WHen I finally spoke to her boss, he apologized and stated that she wasn't suppose to say what she said about jail to me, without his consent. He also promised to get to the bottom of her behavior, and the situation. 
He called later and stated how he got on to her for talking to me like she did, but stated that, " What she should have told you was that your account was overdrawn ''. 
So I begin to tell him how I went to close out my account, and they never stated that I was overdrawn. So now I was being accused of my account being fraudulent, and overdrawn. In that conversation, ( he called me from his personal number ) I asked him why would someone let me overdraw money that I didn't have. He confessed that it was their fault.
Complaint sub-issue: Attempted to collect wrong amount

My name is XXXX XXXX and I am writing to lodge a formal complaint against XXXX XXXX agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a balance. There are fraudulent charges including charges for us not returning keys and drywall repairs which is totally untrue. The apartment was left in prestine condition and all we owe is for the two months rent which equal up to a little over 4,000 but minus security deposit equally around 3,700. I have repeatedly requested a complete validation of debt and have not received anything.

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe. 

Cease collection on an invalid date were I dont owe the amount they are attempting to collect and cease a desist collection. This has been reported to my credit report and is an attempt to collect on an amount not owed.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Complaint sub-issue: Information belongs to someone else

Good Aftereven, ealier today i pulled my credit report through XXXX and I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I contacted the credit bureaus regard this. I also call each and every company before filing the identity theft report. I did not authorized none of these accounts and credit inquires. I never did business with such company. I have attached my identity theft report along with mu drivers license to confirm my identity.
Complaint sub-issue: Problem with rewards from credit card

I have had the same Citibank Bronze card since earlier XX/XX/XXXX. In XX/XX/XXXX the card was compromised and needed to be replaced. I went to use my airline miles that I have been intentionally accumulating on this card, when I was informed there is no record of my miles from XX/XX/XXXX-XX/XX/XXXX from the original card. ( I booked a trip to XXXX XXXX during that time, which really racked up some miles! ) I called Citi Bank and they conferenced in the rep from XXXX XXXX ( their partner sponsoring the miles ). I was in tears! They assured me they would find my miles. Yesterday I got a letter from them that I had some how forfeited my previous miles when they replaced my card for me in XX/XX/XXXX! There was never ANY mention of that at ANY time. I went to book a trip next month with my miles, and half of them are gone. I feel completely robbed. Never did anyone mention this -- -I wouldn't have done that. Someone made a mistake and their and they need to right it. 
I appreciate your involvement in this scam. I did NOT change card programs, I simply had my card replaced.
Complaint sub-issue: Trouble with how payments are being handled

I have worked full time for XXXX XXXX XXXX XXXX  since XX/XX/XXXX, all of this employment has been qualified by FedLoan for PSLF/TEPSLF. My 14 loans were consolidated in XX/XX/XXXX and are Direct Loans ( Subsidized and Unsubsidized ). My servicer at the time was XXXX XXXX XXXX. In XXXX of XXXX my loans were transfered to XXXX, and in XXXX of XXXX my loans were sent to FedLoan Servicing where they remain. 
Since TEPSLF was introduced in XXXX, those XXXX XXXX XXXX payments have been " pending manual review '' with my FedLoan. I have a letter from XXXX XX/XX/XXXX acknowledging the six payments I made between XXXX and XXXX of XXXX. The {$790.00} I was paying at the time under a graduated repayment plan ( I believe ) are far more than I have ever had to pay to MyFedLoan under IBR. 
In XXXX of XXXX, my qualifying payment counts were updated, but still did not include the XXXX months of payments I made between XX/XX/XXXX and XX/XX/XXXX. I recently submitted a complaint which was closed without any explanation of the results of that complaint, or action taken to correct these errors. 

I have over well over 120 payments that are both employment and payment eligible once these corrections to my record are made.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX total amount was {$150.00} and now {$57.00}. 
This account was opened on XX/XX/XXXX. 4 years and 10 months ago. I have no knowledge of this account. I have not paid on this account because I was not aware that it existed until I checked my credit profile. I have not received any billing statements from this account in mail or email. The account does not belong to me. I have requested a numerous of ID criteria, proof of verification from the company and all three credit bureaus ( XXXX, XXXX and XXXX ) and have been denied all adequate documentation. The account is closed but yet is still being reported as a delinquent account payment, which is causing harm to my credit and XX/XX/XXXX score, preventing me from getting approved for other financing. I have disputed this account repeatedly for 1year. The company refuses to show any documentation that the account verifiably belongs to me and I know they can not because it does not belong to me. This account is a fraudulent account and I asked the company to remove it on several occasions along with the all three credit bureaus. I have filed a local police report and filed a complaint with all three credit bureaus and placed fraud alerts on all accounts. This is causing harm to me psychologically, mental and emotionally this is causing stress and unsettlements financially. Because of all the fraud alerts it now makes it harder to get any financing, on XX/XX/XXXX XX/XX/XXXX, car, and housing. This is too stressful for {$57.00} that does not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have three collections reporting from Americollect, I requested an investigation from them directly and from XXXX. I have not gotten a proper response from Americollect I am unsure of the correct reporting and I don't believe XXXX  has done a proper investigation into this matter. They just keep verifying the information.
Complaint sub-issue: Public record

Equifax refuses me an investigation regarding XXXX invalid liens that have since been cleared from my name at the county and federal courts, and they still appear in the public records section of my file with Equifax. XXXX and XXXX deleted these XXXX liens after and investigation ... they are labeled # XXXX and # XXXX. These liens are no longer on file under my name and I have spent countless certified letters trying to correspond with Equifax and have them remove it and provide me the descriptions and procedures of how and what steps they took but they refuse to provide me with anything. They have since begun to ignore me and simply send me a telephone number to contact the courts but that line has NO dial tone and the address is incorrect. These liens were joint with another individual who has since resolved them and they are now invalid an no longer on record with the county and state clerks. XXXX asked Equifax how they possibly verified them and they refused to answer me and simply sent me bogus and threatening letters that kept saying it was verified and nothing else could be done and that it was not their responsibility to provide me with any descriptions and procedures regarding their reinvestigation. But, I know that FCRA and California laws state that I am entitled to it. If they conducted a proper investigation they would see that these liens are no longer under my name. They claim to have verified it via my social security number but that is impossible since the county and federal dockets do not even release consumer social security numbers, so they are also LYING to me. Please, can the government help enforce some discipline on Equifax. XXXX and XXXX have deleted these XXXX liens after their investigation, so what is Equifax doing illegal?
Complaint sub-issue: Reporting company used your report improperly

I'm upset with Equifax! There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Complaint sub-issue: Account status incorrect

ON XX/XX/XXXX, a letter was sent certified to Ally Financial contesting their information on my account and incorrect credit bureau reporting. 
I stated and showed that I paid the final payment of my lease on XX/XX/XXXX. The lease was paid in full. Ally has failed to show any evidence to the contrary. In addition, they stated they made a charge of in the amount of {$3400.00} yet the lease was finished and the vehicle returned. 
This is completely incorrect.
Complaint sub-issue: Debt was paid

While visiting Co in XX/XX/XXXX I became sick, went to XXXX Hospital on XX/XX/XXXX and was diagnosed with XXXX XXXX. The hospital ran a XXXX XXXX, gave me XXXX, told me to go to XXXX which is lower altitude and I will be ok. The next day we packed up and drove to XXXX and I had no breathing issues. While at the hospital we gave them our insurance card and they made a copy of the card to submit the bill to. On XX/XX/XXXX I receive a bill from XXXX stating that I owe {$4500.00}. I proceed to call XXXX and send them a copy of the EOB showing the negotiated price and that I owe {$640.00} of which I already paid {$500.00}. Below is a listing of dates, times and people I talked to. I have NEVER received any further communication from XXXX since XX/XX/XXXX. This weekend XX/XX/XXXX I receive a notice from BC Services , Inc XXXX XXXX XXXX XXXX CO XXXX XXXX ( Acct # XXXX ) stating I owe them {$4500.00} and I need to pay this immediately. I called BC Services twice today talked to XXXX XXXX @ XXXX and she told me I need to call my insurance company and have them call BC Services. I called my insurance company and due to privacy laws ( thank God ) they can not talk to BC regarding my insurance. I did email over an explanation of benefits to BC Services showing the bill being paid. I later call BC Services and talk to XXXX XXXX @ XXXX and she explained that an EOB is not good enough and I need to pay BC Services. 
I then called XXXX Hospital at XXXX and talked to XXXX in billing and he stated that I owe no money to XXXX  and that they never sent anything to BC Services and they are not sure who that even is. That lead me to believe that BC Services could be a  fraudulent company? I am concerned as I do not want my good credit score being affected by this possible fraudulent company. I turned to you because that's the information I found on the internet. 
Thank you XXXX XXXX XXXX, XXXX Conversation with XXXX : XX/XX/XXXX XXXX, he stated call back in a week, he will look into the EOB XX/XX/XXXX XXXX @ XXXX XXXX ( billing company for XXXX ) she states to call back in a week XX/XX/XXXX called XXXX XXXX back and talked to XXXX and XXXX at XXXX and they stated they never submitted the claim so they sent it to XXXX. again. Really the claim was submitted and paid in XX/XX/XXXX. 
XX/XX/XXXX called XXXX XXXX again and talked to XXXX who in turn forwarded the information and EOB to her supervisor who never called me back. 
( XXXX XXXX # XXXX ) Time goes by with no bills or statements ... 
XX/XX/XXXX I receive notice from BC Services that I was sent to collections. I send them the EOB ... .The above story explains that.
Complaint sub-issue: Received bad information about your loan

Every year when I send in my employee certification for the PSLF I receive an incorrect letter on the number of qualifying payments made/remaining. Every year. This year, they only counted the number of payments as qualifying from the last period for which I submitted a certification, discounting all the other years I have sent in correct documents ( which I also had to contest ). I have made a total of 51 payments toward my required 120 and they are saying now that I've only made 24. Last year they said I had made 39 - this number is also incorrect, the last two payments on XX/XX/2016 and XX/XX/2016 were not in forbearance. And they said that all the payments from the last year count as qualifying payments. Who is doing the math? I tried calling today three times during business hours and the message says that the office is closed and to call back during business hours.
Complaint sub-issue: Account status incorrect

I Mr.XXXX XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX  XXXX account # XXXXxxxxxxxxxxx opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX  XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Complaint sub-issue: Called after sent written cease of comm

Ca n't pay this account. Turned into Rose Agency. Phone number disconnected.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of EQUIFAX neglection to keep my information safe and accurate EQUIFAX sent out improper credit scores and information, which in fact has caused me damage. This improper data breach that toke place this spring XXXX and is still happening in fact causing me hardship with getting a home and a vehicle and I would like the corrections to be made. EQUIFAX has also been violating my rights reporting inaccurate information on my consume file without my consent which has caused me opportunities to conduct business now and in the future. I have reviewed EQUIFAX 's data sharing policy which I will include a copy in this complaint. In EQUIFAX 's three page data sharing policy which I found https : //assets.equifax.com/assets/unitedkingdom/equifax_data_sharing_policy.pdf on page 3 pursuant to EQUIFAX DATA SHARING POLICY in the consent section it states paragraph 2 where EQUIFAX states they require the organization ( which are the companys reporting to them ) to keep a record of the consent and to provide a copy of it to EQUIFAX upon request. EQUIFAX says they request confirmation of the consent from the companys as part of a rountine audit or in response to a specific inquiry or concern raised by me the consumer the individual that their reporting these accounts about. Well I have requested a copy of the this consent that EQUIFAX says I gave to them and that they have a copy from each and every company that has been paying them to report this information. Pursuant to 15 US code 6821 Privacy Protection for Customer information of financial institutions ( a ) ( 1 ) ( 2 ) ( 3 ) If EQUIFAX can not furnish this copy of the consent I gave which I have never consented to reporting this information I want EQUIFAX to delete these following accounts immediately because it is fraud and defamation of character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX - LATE PAYMENTS ( XXXX XXXX XXXX XXXX XXXX ) __ XXXXXXXX XXXX XXXX XXXX XXXXXXXX PAYMENTS XXXX XXXX XXXX ) __ XXXX XXXX XXXX- fraud account, does not belong to me
Complaint sub-issue: Information belongs to someone else

Please block these accounts due to the fact that they are not mines and I have expressed this on multiple occasions however, the credit reporting agencies especially Equifax has ignored the rules governing consumer investigations. I requested a Method of Verification atleast 3xs, but did not receive not 1. I would like to know every detail of your companies investigation into the following accounts or these accounts shall be removed immediately. And as a general rule it is not ethical for the reporting credit agencies to accept electronic Verification as proof of a valid account. I'm hereby demanding that these accounts be blocked. 

1 ) XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX 8 ) XXXXr XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax Information Service LLC Dispute - Confirmation # XXXX Dispute page and supporting information attached. I did not give permission for an inquiry through XXXX XXXX XXXX - check the signature and date on attached document. Please remove these two unauthorized inquiries from my credit reports. 

Thank you.
Complaint sub-issue: Reporting company used your report improperly

Equifax had a data breach for 143 million citizens and the breach includes SS #. They offer a year of credit protection for damage that may last a decade and force me to arbitrate to participate in their credit protection. Furthermore, this breach was known for months before it was disclosed to the public. Allowing potential fraud on my accounts to go unfettered and I have no recourse. Meanwhile, executives sold stock before revealing the known intrusions. Since federal gov't also uses Equifax, privacy violations are also a violation of my constitutional right to privacy.
XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I.C. SYSTEM, INC IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND I.C. SYSTEM, INC IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. I.C. SYSTEM, INC is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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 and 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt