Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I paid XXXX XXXX XXXX XXXX XXXX {$200.00} through XXXX on XX/XX/2020 to prepare a civil complaint to be filed in the XXXX XXXX XXXX XXXX XXXX XXXX in Pennsylvania. The contact person, " XXXX XXXX '', did not fulfill the service which he was hired for and I had to prepare and file the complaint on my own. XXXX XXXX would not refund my {$200.00}. I contacted both XXXX and Direct Express to make formal complaints. On XX/XX/2020, I emailed Direct Express telling them that I disputed the transaction. They never replied back. On XX/XX/2020, I realized the company put a hold on my account and I was unable to make any purchases. Being that this is my only means of income and making payments, I emailed Direct Express asking that they release the hold. On the same day, I sent a follow up email to Direct Express explaining that the transaction dispute was due to XXXX XXXX XXXX XXXX XXXX not fulfilling their contractual duty. I never heard back from Direct Express though they did release the hold. On XX/XX/2020, I sent a letter to Direct Express via regular mail with a detailed explanation of the transaction dispute with XXXX XXXX XXXX XXXX XXXX. Direct Express never replied. On XX/XX/2020, I sent a letter to Direct Express via regular mail explaining that XXXX will not issue a refund and that per their request, I need to follow through with asking for a refund through the card company. Direct Express never replied. On XX/XX/2020, I sent a letter to Direct Express via regular mail with an attachment correspondence from XXXX. They never replied. On XX/XX/2020, I emailed Direct Express for a status update. In that email, I made it known that I tried calling Direct Express ' customer service at XXXX but the automated recording asked for a " service record number ''. I was never issued a " service record number '' and still Direct Express never replied. I switched my attention to XXXX and filed a formal complaint against them through the CFPB website. XXXX stands firm that they are not responsible for issuing a refund since XXXX is just a payment processor tool and it's up to the merchant to send a refund and when the merchant ( XXXX XXXX XXXX XXXX XXXX ) doesn't comply, then the person making the complaint needs to file a dispute with the card company where the payment was made. I have made multiple attempts to get my refund through both XXXX and Direct Express. The difference is that XXXX had the decency to reply each time I contacted them ; Direct Express has NOT REPLIED ONCE WHATSOEVER. If Direct Express is the source for me to get a chargeback of {$200.00}, then they need to comply.
Complaint sub-issue: Account status incorrect

While deployed with the United States XXXX I received late charges to my Macy 's credit card account. Prior to deployment I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the Macy 's collection department and reported negatively on my credit report with all three bureaus. Once off deployment, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the company through credit bureaus to have the account removed under the SCRA with no success.
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Threatened arrest/jail if do not pay

She called my XXXX year old son, my husband and myself nemorous times, one after another each 1 minute apart. Left voice mails that scared him saying a compliant has been filed and legal proceedings will begin.
Complaint sub-issue: Debt was result of identity theft

As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AMERICOLLECT INC for them to have my personal information or medical records. In fact AMERICOLLECT INC is violation of 15 usc 1692 for infringement upon my consumer 's right to privacy. While also in fact in violation of 42 usc 1320d-9 ( b ) ( 3 ) HIPAA Privacy. By AMERICOLLECT INC obtaining my personal information and medical records with out my consent AMERICOLLECT INC have committed fraud and identity thief. Now I can't do business with anybody else due to this allege debt AMERICOLLECT INC has furnished to my consumer 's reports.
Complaint sub-issue: Problem with statement of dispute

Equifax has stated that they have contacted North Dakota child support. I have called them and spoke with them as well! They are not reporting my arrears because it happened during a time of XXXX and they have been paid. I do not believe that once a XXXX is proven and acknowledged by XXXX I should not be punished for late payments as a result of said XXXX! That is what is happening here. I have been XXXX since XXXX of XXXX and did not receive any payments until XXXX XXXX I believe. So in effect I am being punished or discriminated against by Equifax simply because I was XXXX and could not pay until the U.S. Government paid me my XXXX!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Clarity Services Inc has 3 inquiries in my credit report when I tried to get a payday loan. It was never disclosed that I would get a hard pull prior to being approved for a payday loan. I have gotten them in the past with no impact to my credit.
Complaint sub-issue: Debt is not yours

Equifax and XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX shows a drop in my credit score from XXXX XXXX, XXXX through XXXX XXXX of 31 points without any explanation. In the past I 've been able to review if any credit applied for or other activity that would cause a decrease or increase in my score. I call Equifax and they sent a summary, but did n't address the reason for the drop in points. XXXX later drop my score XXXX XXXX, through XXXX, XXXX XXXX points without any explanation through credit karma. I just want to know what cause my score to be effected.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted my documents to all credit bureaus over the last 7 months and now I am filing a complaint because they are violating my rights as a consumer. In XX/XX/XXXX, I mailed certified letters and affidavits to each credit bureau and received confirmations via my tracking numbers. According to the Fair Credit Reporting Act 611, I have to give them 30 days. Due to the pandemic, I have given them extended time and mailing in another set of documents with tracking in XX/XX/XXXX. Then I had health issues and waited until XX/XX/XXXX before mailing in additional documents and so forth and now it is XX/XX/XXXX and still NOTHING! I have spent thousands of dollars of my time mailing in my own disputes, online credit monitoring memberships only to still be a victim. This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities. I can not apply with the way my credit is and I am filing a complaint with the Consumer Financial Protection Bureau to help me with this. Here are the numerous tracking confirmations that I have sent : USPS Tracking : XXXX Delivered XX/XX/XXXX : USPS Tracking : XXXX Delivered XX/XX/XXXX USPS Tracking : XXXX Delivered XX/XX/XXXX Tracking : XXXX sent out to XXXX  XXXX, Delivered XX/XX/XXXX Tracking : XXXX Sent XXXX to XXXX, Delivered XX/XX/XXXX Equifax : XXXX, XXXX XXXX XXXX XXXX XXXX Tracking : XXXX XX/XX/XXXX EQ Tracking : XXXX
Complaint sub-issue: Was not notified of investigation status or results

ERC XXXX. XXXX XXXX XXXX, FL XXXX XXXX : Account # XXXX ERC failed to respond to my credit dispute letter that I sent via certified mail on XX/XX/2021, U.S. Postal Service tracking number XXXX. 

I am attaching a copy of the dispute letter that I sent via certified mail asking ERC to verify the accuracy or remove the unverified accounts listed below. According to the USPS ERC received my dispute letter on XX/XX/2021. 

In failing to respond to my dispute letter, and failing to verify that these accounts belong to me before the end of the 30-day period beginning on the date that ERC received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

I demand the following accounts be removed immediately. 

Name of Account : Account Number : ERC XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

Hi, I 'm  XXXX   XXXX  a college graduate in  XXXX , AZ. I started college at  XXXX  with no real knowledge of student loans or how it works. My school told me that sallie mae was about the only option I had for payment. So I went with it. Everything seemed golden until I graduated college and it was time to pay it back. I have {$58000.00} in loans fro m Sallie Mae  which with interest is at over $  75,000+ I cu rrently work at   XXXX     XXXX   making just about {$30000.00} a year. The enormous monthly expense of {$780.00} a month is impossible for me to pay. I have had no luck with sallie mae being willing to assist me on this matter, by either helping reduce my interest, consolidating my loans, extending my loan life to render smaller payments, and even declining forbearance while still being within their policy limit.     So essentially I have this heavy life ending debt hanging over me with no option but to default and essentially ruin my financial future.     It 's a shame how we go to school in want for an education only to end up worse off than those who do n't even go to college. Something 's got to give ...
Complaint sub-issue: Debt is not yours

I have contacted this company and the credit bureaus about this matter, however I have been ignored by both. I send certified letters to both and no resolution. The company has not responded to why they are reporting this on my consumer credit report. 
Also, this company is increasing the amount owed each month on my credit report. Isn't that illegal?
Complaint sub-issue: Not given enough info to verify debt

MSW Capital purchased a charged-off debt and is taking legal action to garnish my bank account. I had previously made payment arrangements but completely forgot about the debt because I had to mail in a monthly check and did not receive any account statements. I have attempted to make payment arrangements, even offering to have a monthly payment automatically drafted from my bank account to no avail.
Complaint sub-issue: Didn't receive terms that were advertised

hi I went to the XXXX XXXX new york branch on XX/XX/XXXX and opened the business checking account with promotion of deposit the {$50000.00} for 60 days and get {$1000.00} bonus.my business checking account ( XXXX ), money market account ( XXXX ) I signed XXXX forms and deposit the check on XX/XX/XXXX and move the money out on XXXX XXXX, but until today XX/XX/XXXX, i still did not get the bonus as promised. i have emailed the banker since XXXX, XXXX, and she opened the case for me, but still no result. i have emailed and called several times asking for the bonus, no result in the end.. which is very upset
Complaint sub-issue: Didn't receive notice of right to dispute

Hello, I was unaware of this debt and did not have the opportunity to dispute. Please provide Assignment of debt, validation of debt, and method of verification.
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 XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Other problem getting your report or credit score

Starting approx XX/XX/XXXX I was unable to view my Equifax credit report, get a score, or lift or place a report credit freeze. I have subscription to Equifx.com 's credit monitoring produce as well as XXXX XXXX monitoring produce. In addition, I have a free account with XXXX. I am unable to view my Equifax file or score using any of these three products.
The last time I was able to view my fie was X/X/17 Every time I call Equifax, I am offered no assistance There was a one week period where it appeared the problem was resolved but for the last 3 straight weeks and 5 out of the last 6 weeks, I cant access my file
Complaint sub-issue: Other problem getting your report or credit score

Equifax erroneously reported to the CFPB under complaint ID : XXXX that " The identification information you provided does not match our records ''. The company is intentionally making it difficult for me to obtain a mailed paper copy of my Equifax credit report for which I am entitled to. Furthermore, attached is a scanned copy of the first two pages of my XXXX credit report, which was mailed to me. The credit report is dated XX/XX/2021. Note, that I made a request at the same time for both my Equifax and XXXX credit report, however ; only Equifax seems to be incompetent. Lastly, I have included a copy of a credit denial letter from XXXX XXXX dated XX/XX/2021, stating a Equifax credit report was utilized in making the credit decision.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On the day XX/XX/2020 the agency UNIFIN contact me to collect a debt to XXXX XXXX XXXX on the amount of {$1000.00}. The paper clearly says that the statute of limitation of this debt has already expired and that they will not report it to any credit reporting agency but the debt still shows on my credit score and history
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and cannot verify these accounts, under Section 611 (5)(A) of the FCRA - they are required to "...promptly delete all information which cannot be verified" that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

This company has filed a derogatory mark against my credit for a charge with no basis and without ever contacting me. This was done with malice and negligence. Another company had contacted me regarding the same charge and, after discussing it with them, they stated that it was settled. ERC clearly made little or no attempt to contact me. Nor did they perform due diligence on verifying the charge. 

The mark against my credit appeared on XXXX/XXXX/18. The amount supposedly owed was {$350.00} for cancelling XXXX XXXX ( I did not cancel XXXX XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

An e-OSCAR XXXX was sent by XXXX ( XXXX XXXX ) to Equifax to delete a line item off my credit report. The XXXX No. XXXX. 

This was sent on XX/XX/2021 and XXXX states that sent this to Equifax and Equifax did not delete the line on my credit report. This is very important and has been an ongoing issue for months now. XXXX XXXX has stated numerous times that they want this removed per the XXXX above. 

Please investigate ASAP as this is been an ongoing issue that is preventing me from closing on my house. The use of e-OSCAR is supposed to prevent delays such as these, but it seems to have fallen through the cracks. I have filed a XXXX complaint in the hopes of getting things moving in the right direction as well. I would love to just have this removed per the request of the data furnisher ( XXXX ) as the other credit reporting agencies have already done.
Complaint sub-issue: Personal information incorrect

PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE 2ND TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED
Complaint sub-issue: Late or other fees

I tried to withdraw money from my account and was charged a withdrawal charge. I was charged a total of XXXX for 5 attempts. Holy XXXX, I got XXXX. They XXXX XXXX me because I wasn't sure how much I would be XXXX. XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my credit report with Equifax. I found an account ( XXXX XXXX XXXX ) that was not mines I tried to dispute this account with Equifax and was unsuccessful.
Complaint sub-issue: Reporting company used your report improperly

In 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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Information is not mine

There is an account no companies name listed # XXXX which I do not owe on any medical debt this is a mistake and needs to be removed