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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX US dept of ED/XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX, has violated my rights.

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

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

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX  XXXX XXXX Balance : {$4100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have found out that my identity has been stolen and it has effected my credit and me getting a home. I have supporting documents to get the items removed from my credit.
Complaint sub-issue: Didn't receive advertised or promotional terms

XX/XX/XXXX {$4500.00} purchase. Sears Home Improvement salesperson stated that new account was approved with 18-month finance free promotion.

I have been making monthly payments of {$260.00} to ensure that the total balance is paid off prior to the 18-month promotion expiration.

XX/XX/XXXX {$39.00} interest was charged to the account for the first time.

I have emailed and spoken by phone to approximately 10 different individuals who have not been able to assist with this matter. Either the account was established incorrectly, or the salesperson engaged in deceptive credit practices.

I have requested that the account be closed immediately, and I will pay the balance in full ( less the {$39.00} interest assessed in error ).
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased tickets to go on vacation with my family using my Sears credit card which costed a total of {$2400.00}, then my wife got sick and was exempt from travel until she gets better ( have doctor 's note for travel exemption ) so we contacted the airlines but was unable to get full refund due to medical reasons, then we reached out to the credit card company where we explained to them that we never received a service in exchange of the money paid but they denied our request for a full refund.
Complaint sub-issue: Information belongs to someone else

FTC VIOLATION CFRA VIOLATION SHOWING INACCURATE INFORMATION
Complaint sub-issue: Frequent or repeated calls

Florida law does not allow credit card companies to call more than once a day. These guys keep calling all day long. Here 's today 's log on our phone log - Sat. X/XX/17 Citibank - XXXX ( while everyone is sleeping, no phone message left XXXX Citibank - XXXX ( no phone message left XXXX Citibank - XXXX ( no phone message left ) Citibank - XXXX XXXX no phone message left )
Complaint sub-issue: Don't agree with the fees charged

On XX/XX/XXXX I consolidate my private student loans from XXXX XXXX and XXXX using XXXX. For XXXX XXXX, this was especially important because they were in the process of selling my student loan to Firstmark Services. I have a confirmation from XXXX that both transactions were settled, nothing erroneous occurred and from my point of view, I had a new service provider to pay off my student debt. 

I was able to get the 10-day payoff information handled and the check was sent to XXXX XXXX on XX/XX/XXXX. XXXX XXXX then sent the check to Firstmark Services on XX/XX/XXXX ( according to the phone call I had with Firstmark on XX/XX/XXXX after I received a bill in the mail ). Of course, this to be in error, and on my first call with Firstmark they told me the entire balance was paid off and the representative I spoke to assured me their supervisor was updating the balance to {$0.00}. This call was on XX/XX/XXXX where I spoke with XXXX who assured me her supervisor was updating the balance to {$0.00}, so the fact that I am paying interest for this is beyond me. 

I received another bill for {$54.00} on XX/XX/XXXX, up very slightly from {$54.00} on XX/XX/XXXX, so I called Firstmark because I assumed it was an error. The representative informed me this amount I am being asked to pay is the interest associated with my account because there was 10 days between when they received the payoff check from XXXX XXXX and when they ( I guess ) started to accrue interest on my loan. For all I am aware, and was aware, nothing should have even been sent to Firstmark past XX/XX/XXXX when XXXX sent the check to the first institution. I called XXXX XXXX and they have claimed no association with this new bill, I called Firstmark and they are saying it is because of the delay involved with XXXX XXXX. 

I know I am not the first student to feel completely defeated in trying to overcome student debt, and I understand this amount is not large compared to what I have dealt with in the past. However, the fact that XXXX XXXX is able to sell my loan to another provider that doesn't honor the pay-off date feels corrupt. I should not have to pay Firstmark for " hosting '' this student loan balance for 10 days, at a rate of {$5.00} per day, when the check to completely pay off the loan had already been attributed on every other end of the matter.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XXXX XXXX is the debit card issuer through US Bank. I contacted US Bank XX/XX/21 due to my funds being withheld. US Bank instructed me to try using my card within a hour. I waited two hours and still couldn't use my card.i called US Bank back today XX/XX/21 I was left on hold 52:13, left in cue which I took a screen shot. 
Their excuse is they have a long wait time due to questions for the stimulus. It's not right to keep using the same excuse for over two months. I have bills to pay which is causing me late fees. I'm very upset with this, " Company ''.
Complaint sub-issue: Account information incorrect

I was explained the Company that I have difficulty to pay due to Covid-19 It affects me and my family they were willing to help but they report a late payment to the credit Bureaus. It hurt my Score
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance XXXX {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Complaint sub-issue: Their investigation did not fix an error on your report

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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 is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Complaint sub-issue: Debt is not yours

National Recovery Agency address XXXX XXXX XXXX XXXX, PA XXXX Has been reporting a collection account on my credit reports in the amount of XXXX I have never done business with this company and this company does not have a contract with my signature.
Complaint sub-issue: Bounced checks or returned payments

See XXXX. Subsequent investigation indicates that TCF bounced a check despite having retained {$1200.00} from dishonored deposit and then charged {$37.00} for the honor. The attached ledger shows the credit for XXXX on XXXX, then check # XXXX coming in on XXXX, that should have been paid, then companion check # XXXX for XXXX to XXXX out the account XXXX that WAS paid, then an overdraft fee of {$37.00}, with the {$1200.00} disappearing from the ledger despite not being paid, and TCF seeming to assert to CFPB that the {$1200.00} was stuck at TCF until the XXXX asked for it back, which I intend to help engender but not in the manner TCF might anticipate. 

I have screen shots that prove TCF had accepted the $ from XXXX, pretended they did not, while shifting the XXXX around and creating doctored ledgers and bulloney verification requirements such as that attached, apparently to prevent me from withdrawing the funds so as to afford themselves a prohibited float and unconsented loan. I have complained to Chemical in XXXX and think this is the doing of TCF leadership, and occurred on a widespread, profitable basis at consumer expense with monies that were EMERGENCY funds that were to be distributed, not distrained, prior to being fully absorbed by Chemical. 

I demand a referral to the FBI.
Complaint sub-issue: Deposits and withdrawals

I had some fraud on my account in the beginning of XX/XX/XXXX. I got tricked into sending over about {$550.00}. I call and tell them about the fraud and everything that happened. They immediately closed my account and didnt warn me. I didnt have access to get money out so I had {$0.00}. Ive been struggling on payments since. Its been over a month and I call and call. All they say is I have to wait XXXX days for my money. I had XXXX direct deposits go into the account even after switching banks. And I told them how I need it and they proceed to tell me there is nothing I could do but wait. Its been a month I NEED my money. This is crazy to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX reported inquiries no recognized I trying fixed problems with this company dont help me say accurate and credit card opened fraud
Complaint sub-issue: Don't agree with the fees charged

XXXX of 2021 I send off a 609 letters to all of the credit bureaus. I dont agree to the amount of {$58000.00}, and the lender rate.
Complaint sub-issue: Need information about my balance/terms

I submitted my application to renew my income-driven repayment plan before the deadline in XXXX. When asked to submit income verification, I mailed both mine and my husband 's paystubs. I was later notified that my paystub was insufficient and needed to send in a self-certified statement of self-employment income, stating either my monthly or annual expected income. At this time, I asked if my husband 's income verification was sufficient, and was informed that it was. I gladly obliged the request, with a statement of monthly expected gross income. I was then notified that that was n't good enough, and I needed to submit a statement of expected annual income. Again, I obliged, copying the requested verbage word-for-word. It was at this point I was informed that I needed to verify my husband 's income. Since I had already done so, had ascertained that his information was received and was sufficient, and had waited XXXX4 weeks between each request, I refused to participate any longer in the unnecessary back-and-forth. I called to ensure all necessary paperwork had been received, which it had, and submitted proof of acceptance of all necessary paperwork. It is now XXXX and I am still receiving requests for my husband 's income verification. I 've now made 4 monthly payments that I can not afford, and I can not afford to wait any longer for them to process my application.
Complaint sub-issue: Their investigation did not fix an error on your report

For nearly 3-years, I have been trying to get Equifax to remove a collection item that the company has instructed them to do so. XXXX XXXX XXXX sent me a letter and requested that the credit bureaus delete this item from my report dated XX/XX/2017. 

Equifax has refused to acknowledge this additional information. Instead, the item remains over 2-years later. 

Equifax is in direct FCRA violation.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has failed to remove 2 hard inquiries on my credit report. Even though both companies have admitted to Equifax that they were fraudulent. 
XXXX and XXXX have admitted the problem and both have said they have contacted Equifax to no avail.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to maintain security of my sensitive information. They were hacked and the personal information was released. It took Equifax over a month to report the incident to the public. Meanwhile, their executives were selling their stock.
Complaint sub-issue: Problem with fees

I closed my account with Citi in XXXX of 2019 with the understanding that I had a {$0.00} balance. Out of nowhere I get a ebill showing a {$300.00} balance. A pending charge went through right after closing my account and since this wasnt paid Ive been accruing late fees ever since. I didnt receive any notice of this until here recently. Customer service is only willing to remove one month of late fees even though Ive not received any correspondence up until now. Now we owe {$300.00} for a {$90.00} charge we had no idea was going through when we closed our account.
Complaint sub-issue: Threatened to sue on too old debt

This person by the name of Rubin and Yates has contacted me several times on my cell phone and now somehow they got ahold of my place of employment they have also sent me emails with fake drawn up court papers stating that I 'll be taken to court. The number they just called me on at work is at XXXX and when I picked up all he asked was is this XXXX XXXX and then I said my I ask who 's calling and he would n't identify himself and then I disconnected the call. They leave me threatning voicmails stating legal obligation and I 'm being named as a defendant and is going to to have a sheriff dispatched to my home/and or employment and that I have to appear in court. Said me or my attorney needs to call them at this number and that I have been legally warned ... XXXX. They also mask thier phone number by using a local number as well. I usually do n't answer it because I 'm sick and tired of the threatning calls and when you ask these people for documentation they start yelling and screaming at you and then hang up the phone. I believe these people are fraud. I would like this to stop immediately..
Complaint sub-issue: Public record information inaccurate

I have been the victim of identity theft fraud, and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcies were fraudulently filed in my name. They have yet to delete any of the accounts, and the BK Filing. They are holding me hostage to a debt that I did not create. I have been disputing the fraudulent bankruptcies for over three years now, and still no changes. I need help assistance immediately.
Complaint sub-issue: Frequent or repeated calls

My fiancee lost his job, and we have been reduced to one income. I have tried to set-up payment arrangements, several times, via email. I work full-time, and also own a bookkeeping business on the side, and do not have time to sit on the phone to for a half hour to try and talk with a customer service representative. My first time I reached out to Sears/Citibank letting them know I was having issues paying my bill was XXXX. It is now XXXX, and after several emails asking for someone to respond back to me via email ( and explaining my busy schedule situation ), I 'm now in collections and getting phone calls every two hours literally every day. The phone calls are automated and are never from an actual person. This is absolutely ridiculous and not professional. I am extremely frustrated that even when I did email about wanting to work out a payment plan I even got automated responses back to my emails. Sears/Citibank customer service seemed like they did n't want to work with me in regards to a payment plan, and/or my extremely busy schedule. They did not offer any option to work out my debt except to call them, which I told them SEVERAL times did not work for me. I am now in collections, my credit score is dropping, and I am NOT HAPPY! Sears/Citibank 's website even says there are payment arrangements available, but when I look for them on the site, they are n't there!
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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
Complaint sub-issue: Reporting company used your report improperly

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate.

I am putting you on notice that all Late payments being furnished on my consumer report is illegal.

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave Equifax written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a XXXX offense.
Complaint sub-issue: Debt was paid

This letter is to inform you that the account in question was settled on XXXX XXXX 2016 with AFNI/XXXX. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.