Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

I have a past due auto loan with Flaggship Acceptance, with a balance of {$780.00} I received 2 phone calls by an agent named XXXX on Tuesday, XX/XX/20 at XXXX and XXXX pm. XXXX left a voicemail on each call breaking FDCPA. By law only 1 voicemail can be left daily, multiple calls can be made within a 2 hr window. The voice messages were save on my phone. This is considered harrassment, abuse and unfair debt collection practices under the Federal Trade Commission. I spoke with a Supervisor ( XXXX ) who stated he didn't see record of 2 calls being place but assured me he would be filing a complaint and provided complaint # XXXX for my records. After speaking with him this morning, I received an email regarding the delinquency of this debt and to contact their office.
Complaint sub-issue: Public record

Equifax will not remove a Paid Tax Lien from my credit report after numerous, Disputes with them, in the disputes i sent the information the County and State Sent me. I contacted the State of Ohio Attorney Generals office and they informed me that they have sent letters to expunge the Tax Lien From my record. XXXX, and XXXX have both removed the Trade Line. But Equifax continues to report it.
Complaint sub-issue: Didn't receive enough information to verify debt

I am requesting that the CFPB please inquire into the matter of Debt Collection Harassment committed by XXXX, XXXX, & And XXXX for their client ( s ) CitiBank And XXXX XXXX XXXX. I have asked them to provide me with proof XXXX validation ) of an alleged debt and in retaliation, they have gone ahead and filed a lawsuit when under the Fair Debt Collections Practices Act they are supposed to cease all collection efforts while they validate the debt. Furthermore, they have failed to update the credit bureaus to show Consumer Disputes. The list goes on with the unfair and harassing tactics they have used on me. 

This entire thing is really stressing me out and I dont know why I must spend so many countless hours trying to correct these companies ' mistakes. 

Im requesting an investigation/inquiry into this matter. 

I do not want any telephone calls from CitiBank or their debt collectors of ANY KIND and if I do I will consider it harassment.
Complaint sub-issue: Information belongs to someone else

I recently obtained a copy of my credit report and these accounts are NOT mine.Please investigate and remove these fraudulent accounts from my credit report. Please send an updated copy of my report.
Complaint sub-issue: Account status incorrect

I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through Equifax, they even  have  XXXX  of my collections listed as " medical ''?? but they " verified it,    XXXX    '' and there was a " key derogatory '' that showed  XXXX  times in 2016 ev en though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/XXXX I was contacted by XXXX XXXX and informed that my account was overdue. The account had been set up on autopay previously and there are 10 years of on time payments to show for this. I immediately paid the balance due to the technical error of the missed auto payment and XXXX XXXX removed any associated late payment fee and agreed to pull this from my credit report as it was a technical error. XX/XX/XXXX my credit report is reflecting a 60 day past due balance for XXXX XXXX on XX/XX/XXXX - which does n't add up in the first place because it does not show a 30 day past due in XX/XX/XXXX. In fact, when looking at the attached statements, the charges in question were from XX/XX/XXXX and when you look at the XX/XX/XXXX statement you can see the payment was applied on XX/XX/XXXX, the day I was contacted by XXXX XXXX that this account was overdue and realized the autopayment had not gone through. I was told by XXXX XXXX when I made this last payment on XX/XX/XXXX that this would be not be put on my credit report and that the late fee and interest would be removed. When I pulled my credit report in XX/XX/XXXX I did not see the 60 days late marked on this account for XX/XX/XXXX, however it has now reappeared there and my credit score which had gone back up in  XX/XX/XXXX/XX/XX/XXXX has now come back down again in XX/XX/XXXX. This is the only blemish on my credit report and is directly responsible for the 120 point  decline in my credit score. Upon contacting XXXX XXXX again XX/XX/XXXX about this  issue I was informed that my balance is actually negative, that they owe me money, and yet they are reflecting this as a delinquent account on my credit report.
Complaint sub-issue: Old information reappears or never goes away

Around XX/XX/XXXX I disputed an old XXXX cellular account from XXXX that I was granted a chapter XXXX discharge for on XX/XX/XXXX. It should not be showing on my credit report whatsoever statue of limitations. XXXX then responded to my dispute by re-aging the account to a much newer account for the same old original account ... so now it will be on my credit report for even longer instead of it being taken off all together like it should have been. I have disputed this incorrect information and reporting over and over with XXXX and Equifax and they will not take it off. XXXX says the updated information reaged acccount is accurate of the first delinquency date being XX/XX/XXXX? Mind you I filed, and was GRANTED a Chapter XXXX bankruptcy with my old XXXX account being included in that discharge XX/XX/XXXX. Out of nowhere XX/XX/XXXX XXXX has started negatively reporting to Equifax of this old account. Again when I disputed this once I found out, they turned around and re-aged the account to look newer then XXXX. Lastly I tried to refinance my car loan for a better interest rate ( bought my car brand new XX/XX/XXXX, not one late car payment ) and I was turned down for the refinancing and that is how I found out about this new/old negative account being reported to Equifax from XXXX. I have written a letter directly to the recovery department at XXXX and they wont help me they just say, the system says this date is accurate therefore they cant do anything.. PLEASE HELP, it is easy to see this is unlawful what XXXX has and is doing but no one will help me. I have spent years rebuilding my credit and this is now happening to me and its effecting my life more then should be allowed.
Complaint sub-issue: Personal information incorrect

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau deletes any ITEMS listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX Date of inquiry XX/XX/2021 ; XXXX XX/XX/2021
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I ordered some XXXX earpods on line from Best Buy and paid {$320.00} using my BestBuy credit card. When my son opened them, he said they were not XXXX  ( although they were in an XXXX case ) I took them to the Best Buy store near me to return them and get the right ones I ordered and paid for but they directed me to call XXXX I explained what occurred and was told to mail them back for a full refund. They sent me a prepaid label and they received the earpods on XX/XX/XXXX. I called to inquire about my refund several times and they would open a new case every time I called but they never refunded me my money. Spoke with XXXX on XX/XX/XXXX at XXXX ( case XXXX ) she promised the refund would show on my statement within 2 billing cycles, it did not happen..called again and spoke with XXXX on XX/XX/XXXX XXXX XXXX am ( case # XXXX ) she promised the same but did not deliver on her promise. Called on XX/XX/XXXX at XXXX pm ( case # XXXX ) spoke with XXXX, then XXXX, they escalated my case but again the refund did not happen.Then they said that because the items that I returned were not XXXX earpods, they cant make the refund so I called my credit card company. I did not receive the correct earpods, they sent mock earpods to me. I am the victim of fraud here and so I just wanted the credit card company to cover me for this transaction and refund me for the charge that XXXX is not refunding. I opened Case number XXXX on XXXX. Today I received a letter from the credit card company showing me proof of the charge and dismissing my dispute. I never said that I did not make the purchase. I made the charge but BestBuy, the store, shipped me mock items. It was either the store employees or the shipping company they used or I do not know who but I did not received what I paid for therefore I want MY MONEY BACK.. I was scammed. I want a REFUND
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 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX BANK SS XXXX Account # XXXX Account name : XXXX BANK XXXX Account # XXXX Account name : XXXX BANK, account XXXX XXXX Account name XXXX XXXX XXXX account # XXXX Account name : XXXX BANK, account # XXXX Account name : XXXX, account # : XXXX Account name : XXXX XXXX SERVICES, account # XXXX Account XXXX : XXXX XXXX SYSTEMS XXXX, account # XXXX Account XXXX XXXX XXXX XXXX XXXX, account # XXXX Account name : XXXX XXXX XXXX, account # XXXX Account name : XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 is not mine

The following account is back on my credit report after Equifax deleted the account on my credit report on XXXX XXXX, 2016 : Account : XXXX XXXX This account do not belong to me. Review Equifax Confirmation Number : XXXX.
Complaint sub-issue: Information belongs to someone else

To whom it may concern. 

My name is XXXX XXXX XXXX. I was checking my credit score and I noticed XXXX hard inquiries that I did not make. They were booth on the same day XX/XX/2022. One was reported by Equifax and XXXX by XXXX. 

The Equifax one was showing the inquiry done by " XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX. FL XXXX ''. I tried to contact this agency on the phone number I found online ( XXXX ) XXXX which no one answered. I research that institution online and it says that agency is closed. 

XXXX was showing that inquiry done by " XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I found their phone number and contacted them on ( XXXX ) XXXX ''. They confirmed they received the request but were investigating because they could not confirm it was really myself, they told me I was victim of fraud. They said they would stop the process right away and send a letter to XXXX and to myself. 

I contacted Equifax and they directed me to file a complaint with CFPB for fraud and send them the document. 

Someone used my information with XXXX and XXXX XXXX XXXX. I was victim of fraud. I am contacting XXXX, Equifax, XXXX, XXXX and XXXX XXXX to put a fraud alert. 

Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XX/XX/2021 XXXX- XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 This inquiries do not belong to me.
Complaint sub-issue: Information belongs to someone else

I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX
Complaint sub-issue: Don't agree with the fees charged

In XX/XX/2019 I changed my repayment plan. Fedloan automatically put me in forbearance ( unbeknownst to me at the time ) so I did not receive a bill in XX/XX/2019. In early XXXX ( approximately XX/XX/XXXX ) Fedloan notified me that if I did not pay {$690.00} by XX/XX/XXXX then they would add that amount to my loan. This money is in addition to my normal monthly payment. I don't think it's right to charge me more than {$1000.00} total when I never requested to be in forbearance in the first place.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX  # To whom it may concern : I recently disputed with all three ( 3 ) credit  reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : Fedloan Servicing as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX  6. XXXX XXXX XXXX {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX 8. Account Status on XXXX is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : XXXX  dispute - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Complaint sub-issue: Reporting company used your report improperly

I never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. 
The accounts attached below I am demanding a removal as a consumer.

15 United States Code 1681b- Permissible purposes of consumer reports ( a ) In general ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Problem with fees charged

I check my credit score regularly on XXXX XXXX. I noticed that my balance for boat loan had increased so I checked my account online and there has been a {$4000.00} fee assessed to my loan. I have made every single payment on time, there has been zero correspondence from the bank regarding a fee, and there is no detail at all on the account transaction to explain this. I have made several inquiries but can not get a human on the phone or a return phone call.
Complaint sub-issue: Application denied

I went to XXXX  XXXX  to open my first credit card and the agent told me that I had 23 opened/closed credit accounts. I never had a credit account before. Someone used my identity to opened all these accounts under my name. 
The companies and banks are : XXXX XXXX  XXXX XXXX Discover bank 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  Some companies that has multiple accounts opened. 
I attached photos of the banks and amount owed down below.
Complaint sub-issue: Debt is not yours

The company has placed debt on my credit and this is not my debt. The debt showed up on my account from no other resources to show it belongs to me. This debt Is not mine. False information about the debt attached to my credit report.
Complaint sub-issue: Company closed your account

On XX/XX/ I received a letter from CITI BANK by mail informing me that my account would be canceled five days after XX/XX/XXXX So I called the CITI XXXX line by phone to coordinate the closing of my account and the transfer of my balance, in the call they gave me a reference number : XXXX and they asked me to send an email to the XXXX On XX/XX/XXXX I wrote an email to CITI informing them that I had received their notification to close my checking account and send them a copy of the letter, a " Wire Transfer Request '' format that came in the letter, a copy of my account statement in XXXX, and a copy of my account statement of the CITI account with my current balance. 

On XX/XX/XXXX I received an email from CITI telling me to call the customer service center again to have my check sent to my address in XXXX, TX. 

The same XX/XX/XXXX I received a second email where they inform me that they will do what is necessary to send the check to my house in XXXX, Tx. 

The same XX/XX/XXXX I received an email from a XXXX XXXX, XXXX where he informs me that the process to debit my balance and make the check takes 2 business days and send it to the address I had previously given. 

After this last mentioned communication, I have not received any other answer and I have not received my check with my balance. 

For the last day of XX/XX/XXXX, almost 22 days later I wrote again to ask for an update of the status because they have not answered me the last email that I sent them.
Complaint sub-issue: Company closed your account

CashApp closed my original account without warning $ XXXX and cashed the funds out to an invalid debit card tied to a closed account because of a technical issue their app was experiencing that would not allow me to update my information prior to closing the account causing me to no longer have access to it. My XXXX XXXX  account was closed on XX/XX/2022 and CashApp sent my money to that closed account on XX/XX/2022. The amount of the cash out was {$110.00}. I have provided my bank with the transaction ID given to me by CashApp and they confirmed they do not have a record of this transaction or any other made to my bank account since XX/XX/2022 and had they sent it on the morning of XX/XX/2022, it would have been returned to the sending bank automatically per bank policy by eob on the same day. I have provided CashApp with a copy of my most recent and final bank statement from XXXX showing the account closed on XX/XX/2022 with a XXXX balance. I have done all of these things three times to many different chat support agents, phone support agents and XXXX supervisors to no avail. I have been disconnected in both chat and over the phone, and I have never once received an email or a phone call from anyone with CashApp concerning this issue, despite being told by all 3 supervisors and at least 20 different agents on both chat and calls that I would be contacted within 24 hours. Today is now XX/XX/2022 and I still do not have my money. My money. My husband of 35 years passed away on XX/XX/2022 and I lost my job as a result on XX/XX/2022 and currently have no way to support myself and I have this company stealing my {$110.00}. This is completely unacceptable and their support and service is absolutely abhorrent in nature. I expect to receive a call from an executive level escalation specialist or a manager in their payment processing team by EOB today or I will be contacting an attorney and we will not be filing a class action, but a civil/financial suit for theft by XXXX tomorrow. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/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: Debt was paid

I had a XXXX XX/XX/XXXX. Prior to my XXXX I met the family deductible and paid my outstanding deductible in full to XXXX Hospital. Approximately 3-4 months after my XXXX I received a letter from Americollect stating my account with XXXX was past due and they were trying to collect. I explained that this was a surprise since I never received a statement from XXXX since I had my XXXX. Nor did they call us to try and reach out. We were n't expecting any statements from XXXX since I was paid in full for the year. The hospital apparently misapplied a payment that we made in XX/XX/XXXX to my wife 's account instead of mine. She was already paid in full with deductible met so it created a very large credit. They never called to tell her this and it never showed up on her statements. It was n't until XX/XX/XXXX that we discovered this credit. XXXX has been taking from that credit and applying to each bill of hers for XX/XX/XXXX. XXXX never sent us statements because there were no payments due. She should be paying on her account as normal meanwhile my account is sent to collections because of their misapplication of funds. XXXX and Americollect will not help us get this resolved. I immediately filed a dispute letter XX/XX/XXXX when I was first notified by registered mail. My letter quoted the law stating they were no longer allowed to collect this debt from me since it was paid. They ignored the letter and continued calling. The last call they indicated that they would work with XXXX to get this straightened out. It was about 4-6 weeks later and I received a notice that my credit report now has collection on it which ruins my credit score. They gave us no notice this was done. They broke the law by disregarding the instructions in the dispute letter and need to be held accountable. They did n't give us proper information to even try and validate the debt.