Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account terms

XX/XX/XXXX, I ran into some financial difficulties and entered into a temporary payment agreement with XXXX XX/XX/XXXX to avoid punitive interest charges. During this agreement, XXXX called me and asked if I could increase my temporary payment amount and offered to reopen my account under non-punitive-interest terms if I met XXXX ( XXXX ) specific criteria. I agreed to increase my payment by {$10.00}, subsequently receiving a XXXX/XXXX/XXXX letter summarizing the call and listing the XXXX ( XXXX ) requirements under which my account would be reopened. When it came time to reopen the account, I received another letter stating that, contrary to their original offer, my account would not be reopened due a newly added XXXX " surprise '' requirement. The punitive interest would continue. I contested this with XXXX, and they held their ground on the " surprise '' disqualifying criteria. I paid XXXX under the terms they originally offered for several months, but they kept piling on late fees and a punitive interest rate. Given the opportunistic/punitive fees they continued to impose, their refusal to honor terms they offered in writing, and my continued financial duress, I determined my only recourse was to stop paying them. Naturally, they reported this to the credit reporting agencies. Since the balance contained illicit charges, it 's void in its entirety. Recent events, specifically XXXX being penalized XXXX for deceptive practices, underscore their slimy tactics. While it applied to add-on charges for many, their deceptive actions were far-reaching. in my case and alter my desired outcome. I am not seeking any financial compensation or leagl action, but rather to have their illicitly-derived adverse report stricken from my credit record. I have included several supporting documents:1. XXXX 's original XXXX/XXXX/XXXX temporary payment plan confirmation2. XXXX letter that followed their XX/XX/XXXX phone call which itemized the XXXX requirements to reopen my account upon completion of the temporary payment agreement. 
3. XXXX 's XXXX/XXXX/XXXX letter, received just prior to reopening my account as promised, including the surprise/new XXXX requirement that disqualified me. 

The core issue in this case, as with many others of this nature, is deceptive practices. In short, XXXX stated on XXXX/XXXX/XXXX that meeting XXXX criteria would make my account eligible for reopening, Then, on XXXX/XXXX/XXXX, XXXX added a new requirement that disqualified me. They knew of this requirement the entire time, but did not disclose it until AFTER I completed my temporary agreement. " Make sure we get all the $ $ $ we can before this customer defaults '' To reiterate, I am not seeking any financial reimbursement or legal action. I want XXXX 's negative report to be stricken from any and all credit reporting agencies/records. I have about a XXXX '' thick folder for this, so I can provide more documentation if necessary. 

Please feel free to contact me for further information. 

Thanks for your help. 

XXXX XXXX XXXX
Complaint sub-issue: Fee problem

XXXX XXXX XXXXXXXX Usbank states a maintenance fee will be " waived '' if certain conditions are met by the consumer as stated on the deposit agreement. 

In reality us bank still charges a maintenance fee of XXXX and also applies a XXXX credit maintenance fee reimbursement. 

" Waive '' means to refrain from doing something. In usbank 's case waive means applying 2 transactions to account. 2 transactions do not qualify to be a " waive '' or a " waiver ''.
Complaint sub-issue: Debt was paid

The XXXX loans and the Nelnet loans on my account are fraud. All of my student loans were paid-in-full by a second mortgage HUD 1-A with disbursements directly to XXXX in XX/XX/XXXX ( please see attached evidence ). I graduated from the University XXXX XXXX in XXXX. I never had any other student loan debt and all of mine was paid in XXXX by the aforementioned second mortgage. The NelNet and XXXX loans are fraud and must be removed from my account. XXXX was helpful, and removed the debt from my credit report. XXXX  was non-responsive and continues to post numerous repeats of the fraudulent debt regardless. The fraud representative, XXXX, with XXXX was not helpful. We spoke with XXXX in the fraud department with XXXX, formerly XXXX, who confirmed my loans were paid-in-full in XXXX. XXXX did not want me to ask questions or to speak, other than just providing my personally identifiable information and updated contact information to the creditors. XXXX ended the call with XXXX without asking him To send notice to her or the other agencies Nelnet and XXXX who are subsequently and wrongfully reporting.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX Acct # XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, have violated my rights. 

15 USC 1681 Section 602A, states I have the right to privacy.

15 USC 1681 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

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 law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Complaint sub-issue: Report improperly shared by CRC

I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my information.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2022 I was charged XXXX for a room on XXXX. I received an email about the room I just booked, but I hadnt booked a room. I had stayed In This hotel the night before and paid XXXX for that room. I contacted XXXX and told them it was not me and explained the situation and they said we have no contingencies in place and can not cancel so I called money. They disputed it and then denied it twice, once because of a transfer made before the transaction, and Im not sure why the other time. I did not book this room, I had just gotten back to my home when I got the email. I am so tired of filing complaints.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I wrote to all three credit bureaus and asked them to provide me with proof about my student loan account. I am sure I have not been late on these accounts but they are reporting as late on my credit profile. I waited the 30 days as required, but did not receive any documentation showing the payments were late as required by law. 

I then requested a re-investigation into my student loan payments on XX/XX/2022. Again asking for proof my payments were late as I am sure they have never been late. Still no reply as of today, XX/XX/2022. 

The accounts in question are XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I am requesting a proof validation of the debt you say I owe. Also be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Complaint sub-issue: Don't agree with fees charged

I have taken out XXXX private student loans, which American Education Services ( AES ) bought out. I have been paying on these XXXX loans every month and I pay on time. My payments total XXXX and only XXXX ( ballpark ) goes towards the actual balance. Since XXXX a total of XXXX has gone towards my balance and the rest I was told went to interest. I called this company numerous times to get help from them regarding a payment plan and they are never any help. They say I used up my options. They are not very professional or friendly. The representatives are rude. They do not explain how the repayment plans work and they do n't notify the customer that they only get XXXX chances to change their repayment plan. I have done some research on this company and there are numerous bad reviews about the company, with many consumers complaining about the same problems. This company should be investigated and looked in to by someone, as I think they are ripping people off. I work very hard for my income and I pay faithfully to this loan and the balance is barely going down.
Complaint sub-issue: Threatened to take legal action

I received a phone call at work that followed with an email, stating that, " I was to pay {$500.00} for what they called a protection from litigation payment by absolutely no later than today at XXXX ''. Today was the first and only contact made by this collection agency requesting payment from a lawyer I used over a year ago. I paid the lawyer a retainer but never approved him for work beyond that amount and he is asking I pay him another {$1000.00}.
Complaint sub-issue: Was not notified of investigation status or results

Hey what the XXXX is happenin? I was told that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, i sent you the letters on XX/XX/2021 its almost 3 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Complaint sub-issue: Debt was paid

I contacted XXXX to let them know that I only have 1 account however 2 accounts are on my credit report. I only opened up 1 account. Two accounts are in collection but its two of the exact same accounts opened on the same day. There is an error on their part. One account was paid off and the other account needs to be removed as I only opened 1 account. 
{$1200.00} is the amount of the collection.
Complaint sub-issue: Investigation took more than 30 days

Equifax failed to respond to my dispute letter of XX/XX/2021 within 30 days. I sent this letter XXXX certified mail and have enclosed a copy my original letter, the certified mail receipt, and the XXXX tracking report showing delivery on XX/XX/2021, as well as my follow up letter on XX/XX/2021. 

No response or action was taken on their part. This failure to comply with federal regulationsby a credit reporting agency violates the FCRA.
Complaint sub-issue: Information belongs to someone else

I placed a dispute in to the major credit reporting agency on XX/XX/2017, yet I have yet to hear of any resolution to my issue. I am a victim of identity theft and provided proof of the crime and me being a victim.
Complaint sub-issue: Account status incorrect

I sent PNC credit the following on XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Unit XXXX XXXX PA XXXX PNC Consumer Credit Bureau Investigations XXXX XXXX XXXX XXXX, OH XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX and XXXX regarding me being an authorized user on the account of deceased XXXX XXXX ( credit card XXXX XXXX XXXX XXXX ). I have circled the items I dispute on the attached copy of my credit report. 

This item- XXXX XXXX as an authorized user on credit card under XXXX XXXX XXXX card XXXX XXXX XXXX XXXX ) is inaccurate because she is deceased and the card should be currently closed. I am requesting that PNC have the item removed and to immediately stop reporting to XXXX XXXX credit file. Any debts she has should be filed through her estate. 

[ It is showing on my profile that the account is active and debt is owed. which is bringing down my score significantly. She passed away XXXX of last year. ]
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX at XXXX. I made a deposit using cash app of XXXX. The deposit appeared in my BB & T account and then I heard reports on the news of a bank failure. I checked my account and I saw multiple over draft fees and that my transation was no where to be found. I checked with cash app and indeed they did transfer the money at XXXX. I personally saw the funds there. When contacting the bank, I was told that they have no record of the transaction. I have asked if they would like me to send them any records I have and they have refused to acknowledge that they ever had the credit to my account.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

this company previously removed and randomly readded to my credit starting with a newer date to re age the debt which violates statue of limitations and FCRA. 

furthermore the original creditor XXXX had already let me out of my contract due to poor service and not being able to keep their side of the contract with the cellular service. 
please delete and do not re add. 

and stop calling my work phone telling me ur a lawyer and to pay or u will take action having me arrested.
Complaint sub-issue: Application denied

I recently had 2 companies XXXX XXXX  XXXX XXXX & Discover ) send me a letter and a call to my mobile stating that my application was denied. I already have a closed account with XXXX XXXX XXXX  and never had one with Discover. I was not in the process of getting new cards or accounts with either 2 companies. I checked my credit report company and there were no inquiries on these 2 or any other companies that I am aware of.
Complaint sub-issue: Attempted to collect wrong amount

In XXXX of 2018 I chose to upgrade my XXXX for a XXXX XXXX phone. They stated that I would have 14 days to return the device if it did not work out. Well I did just that. The device had called 911 multiple times, and would freeze, lock and shut down. So on XX/XX/XXXX I returned the device after having issues with the local XXXX stores in Washington saying they couldn't accept it since it was an online order return. I returned the device per their smart label return envelope. I got multiple notifications that if the original device ( XXXX ) was not returned since it was a trade in, that I would be charged. After an amount of time they wound up charging me FOR THE XXXX, despite the fact that I told them I was using it which they could clearly see because I returned the other XXXX phone due to the issues. They said that they had not received it back yet and continued to charge me for the monthly fee for the XXXX phone as well. This caused my bill to just keep creeping higher and higher. There was MULTIPLE cases submitted to try to " fix '' it. I spent hours on the phone with different people and at the end of the day it was still not resolved. So in XXXX of 2018 they shut my service off for non-payment because they had charged me hundreds of dollars I DID NOT OWE THEM. The tracking showed the phone was picked up. They told me verbally the phone was in their system, but that another department had to " refund '' the account for it. So finally when the account was officially closed, they also charged me for the remainder of the XXXX phone that I didn't even have since it was in their possession. They then continued to try to collect the money, yet I do not owe them well over {$1000.00} of what they are trying to charge me and collect on. Then despite everything, they never tried to rectify the account and sent it to collection. I never got notice of the collection from the collection agency, and now the agency is reporting on my credit also trying to collect money NOT OWED.
Complaint sub-issue: Account information incorrect

I contacted XXXX XXXX to request a temporary address change for a few months in XX/XX/2015. I had to go out of the country to check on my daughter who was living in the XXXX for medical school. I made the request in XX/XX/2015. Even though I made the request, I never received my student loan statement to my new address for the few months that I was living in the XXXX. I wasnt made aware that there was a bill due because XXXX did not do as they said that they would and update my temporary address. All dates that I would be gone we also notated. This is very unfair and unjust.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased an area rug from XXXX  's online on XX/XX/2018. The rug arrived and the color was different that pictured. I tried to return the rug to the downtown store where they sell rugs but they refused to take it. I was forced to ship the rug back which I did. The XXXX tracking indicates the rug arrived at XXXX 's on XX/XX/2018. They have not issued a credit to my credit card and when I call to complain they tell me they have to have the warehouse find it which is ridiculous! While they continue to delay the credit I am being charged interest on the item when they clearly have possession of it.
Complaint sub-issue: Account status incorrect

I had credit card with CITIBANK NA which was the original creditor. The account was closed/charge off and now XXXX XXXX A. has purchased the account, this company now is claiming the account, they harassing me when they call. The worst part is I have CITIBANK and XXXX XXXX both in my credit report. This is a tremendous abuse to the people.
Complaint sub-issue: Account status

Hi there. I have a dispute to report. I cancelled an XXXX XXXX card last year. Right before I cancelled it I paid the balance down to {$0.00} and was told that I did n't owe anything else on it. And the end of last year I was notified by Trusted ID from Equifax that an XXXX payment was overdue by 90 days. I was shocked to learn this. I think contacted XXXX about the matter. They admitted it was their mistake and brought the account balance back to {$0.00}. They also gave me a {$70.00} credit towards a bill on another XXXX card that I still have. They also said that they would tell each credit agency what happened and clear my credit of the mistake. I spoke to Equifax this week and they said that there 's still a late payment being reported for XXXX and XXXX of last year. Can you please contact XXXX XXXX and tell them to fix this matter? I take my credit score very seriously and it was in Excellent standing before this wrong doing. Thanks for your help and I look forward to your response.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I filed a dispute online with Equifax regarding a negative account on my credit report. I have received email notifications that they are working on it and I can login to view the status. I can not login to view the status and after calling they wouldnt help me log in. They said they couldnt. My credit score with Equifax dropped XXXX points after I filed the dispute even though a dispute is not supposed to effect my score. Their answer to this was since I hadnt paid {$8.00} to get my fico scores through them they think Im lying and my score didnt drop due to the dispute. I also wont know what my resolution to the dispute is unless I call and ask. They refuse to give me anything in writing which is probably why I cant login
Complaint sub-issue: Information is not mine

To whom this may concern : I recently received a copy of my Equifax credit report. I 've submitted a dispute to Equifax to remove inquiries off my credit report. I understand it should n't be allowed to put inquiries on my file unless I have authorized it. During my first and request Equifax stated, " They did n't receive my request to remove any inquiries and/or information. However, I 've submitted these disputes electronically and through certified mail. During, my third request Equifax stated, " The unauthorized inquiries were factual, and I should contact the reporting companies. '' However, I 've contacted the reporting companies for request for removals and I 'm getting no answer. Please have Equifax remove the inquiries from my credit file because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

Thanking you in advance, XXXX XXXX XXXX, XXXX
Complaint sub-issue: Account information incorrect

XXXX ans equifax Are reporting my XXXX $ XXXX, 2010 credit Card as closed. The account is still Open. This lowered My score due to incorrect reporting. I need this corrected and reflecting as OPEN as soon as possible, I am in the mortgage process.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.