Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Thank you for taking the time to consider my complaint about US Bank and their partner Elan. My wife, XXXX XXXX, and I requested this account be closed multiple times via phone, but it was never actually closed. The account was not be used or monitored by either XXXX or XXXX XXXX as it was presumed closed. The issuer allowed an annual recurring charge to be charged to the account, even though there had been not activity for 12 months and a new XXXX number had been assigned which was never activated by us. 
I called to dispute multiple times but the account status was not clear for several months, due to sale of the Fidelity credit card portfolio by XXXX XXXX  XXXX to another issuer. Finally, after extreme frustration in the dispute, we decided to pay the balance given the low dollar amount of {$51.00} and avoid charge off. Account activity over the time period from XX/XX/XXXX - XX/XX/XXXX supports this explanation. 
HISTORY : ' Account opened XX/XX/XXXX, regularly used with high credit limit of {$25000.00}, with no payment delinquencies until XX/XX/XXXX ' In XX/XX/XXXX, account balance was {$0.00} and called to request the card to be closed. We stopped monitoring the account. 
' {$39.00} annual fee was charged in XX/XX/XXXX, but went unnoticed until XX/XX/XXXX when it was paid in full ' In XX/XX/XXXX, I again requested via phone for the account to be closed and again stopped monitoring ' There was no activity from XX/XX/XXXX until XX/XX/XXXX, when another annual recurring fee was charged to the account ' Again, given that we thought the account was closed, we were not monitoring ' When I discovered the account was still open and another charge had been allowed I called to complain and dispute. There was some confusion by the servicing agent given the accounts were in transition from XXXX XXXX XXXXXXXX to another issuer { due to portfolio sale ) ' Finally the account was closed in XX/XX/XXXX at my request. I presumed the charge had been reversed. 
' Upon receiving notification that there was still an unpaid balance in XX/XX/XXXX and, given my level of frustration with the matter and the time required to resolve, we paid the balance of {$51.00} in XX/XX/XXXX and ended the matter. 
- In XX/XX/XXXX, I disputed the charge through XXXX and USBank updated their credit report incorrectly to show that the account was not closed until XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

XXXXXXXX XXXX XXXXXXXX is reporting inaccurate information to all three credit bureaus for XXXX XXXX XXXX. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive recently disputed with all 3 bureaus a bankruptcy that they are reporting on my credit report that should not be on there. All 3 bureaus have ignored my letters and have ignored any other questionnable accounts I've addressed as well after learning about the FCRA. 

XXXX XXXX Bankruptcy REF : XXXX is showing on all of my reports and I have a letter from that court attached stating that they DO NOT REPORT that kind of information to credit bureaus. 

XXXX Account XXXX XXXX This violates XXXX5 USC 1681 602A ( My right to privacy ) 15 USC 1681 604A Section 2 ( This furnisher was not given writted instructions or permission )
Complaint sub-issue: No notice of investigation status/result

Equifax have copy of police report and so does they company i am disputing. I 've requested equifax to send me copy of contract, proof of validation and they failed to do so several times been back and forth with equifax sine last year i 've sent the letter to the several times every time i dispute this account
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX   XXXX  was put on my credit report with  XXXX  and Equifa x ( d o n't know about   XXXX    because I cant get report from th em ) . I disputed this in writing and on line on  XXXX   XXXX ,   XXXX  .   XXXX    took it off my report but its still on Equifax report. It has been well over 30 days and I have n't heard anything. I asked them to send me proof that I owe this debt ( which they claim is {$830.00} ) I have never had  XXXX   XXXX , I have had  XXXX  for the p ast 10+ y ears and explained this to them and even called  XXXX  to get all my invoices, which they did send. I wrote to Equifax again today,  XXXX   XXXX ,   XXXX   and told them it has been well over 30 days with no response and this needs to come off my credit report.  XXXX  took it off theirs. I do n't understand what the problem is. Id  XXXX   XXXX  cant verify this ( which they cant ), it needs to come off my report and I really should n't have to wait another 30 days for it to happen since its already been almost 60 days. I do n't know if its on my   XXXX   report, but if it is, it needs to come off that too. I appreciate all that you can do to help this matter, its a little ridiculous when they cant even acknowledge something back, if they do n't have proof from  XXXX   XXXX , it needs to come off my credit reports, all of them.   XXXX   did n't have proof from  XXXX   XXXX  either, that 's why they took it off. I keep disputed it and nothing
Complaint sub-issue: Debt was paid

Discover has contacted me about an allege debt. I have informed them that I participated in a consumer credit transaction pursuant to 15 USC 1602i. I have informed them to cease and desist pursuant to 15 USC 1692c ( c ). Also informed them that I would like my account to be XXXX as this extension of credit was only extended to me through them ( Discover ) by me, the original creditor pursuant to 15 USC 1692b ( 4 ). I gave them my credit card ( Social Security Number ) pursuant to 15 USC 1602 ( l ) and never asked them to send me a bill or request for payment from me, on my behave. I've never gave them permission to contact me and much less never gave them permission to contact me multiple times through ANY medium. I received communication from them on XX/XX/2021, which I labeled " Exhibit A '' through the mail about this allege debt, they used obscene and profane language during in the letter they sent me as words that I found offensive such as " DEBT '' was used and that I owe THEM a payment, which is a violation of 15 USC 1602p, because as the card holder ( 15 USC 1602n ) I will not receive any benefit by making a payment to them on something I issued them, which is credit. The statement they sent me was in a positive amount indicating I, in fact, have a credit instead of a debt, which is a violation of 15 USC 1692 e ( 2 ) ( A ) false and misleading the character, amount or legal status of any debt. I asked them to validate the debt pursuant to 15 USC 1692g. I have yet to receive any contact from them. They contacted me at a time I was busy and being that I NEVER told them to contact me it was INCONVENIENT, which is a violation of 1692c ( a ) 1. Also I have made multiple payments in the pass and require that money back pursuant to 15 USC 1692h, as I have to direct them where to put the money, and I want the money to be place in a check addressed to me. Also being that I've been receiving correspond from them its a clear invasion of my privacy. The other violations are in the file I uploaded marked as exhibit A. Also they have been in communication with a consumer reporting agency which is a violation of 15 USC 1692b, communicating with someone else besides the consumer about a debt violation of 15 USC 1692b ( 2 ). I responded on XX/XX/2021 which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21, telling them to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g.
Complaint sub-issue: Was not notified of investigation status or results

Please investigate these matters and look into my credit report it had been more then thirty days and these items are still on my report these items have not been validated on my account have not received proper validation as to why these items are on my account have not received any proof
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 that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX 1912 XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} 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: Their investigation did not fix an error on your report

In XXXX, I disputed an account on my credit report with XXXX XXXX as I was a victim of identity theft. Upon XXXX  XXXX doing their own investigation, I received a letter in the mail dated XX/XX/XXXX indicating that they looked into my claim and found that the account in fact was fraudulent and also indicated that a request would be sent to XXXX, Equifax, XXXX  and XXXX to delete this account from my credit file. 

XXXX XXXX did exactly that and everything was as it should be until XX/XX/XXXX when suddenly a third-party collector, XXXX XXXX XXXX reported this same account to all three major credit bureaus, and it showed up as an unpaid derogatory and collection account. 

First and foremost, I never had any association with this company whatsoever. Secondly, how did they even obtain my personal information, and thirdly and most importantly, I still have possession of the letter directly from XXXX XXXX on their letterhead regarding this matter which they indicated the account was fraudulent and then subsequently requested the removal of this account from my credit file to no longer negatively impacting my creditworthiness. 

I truly value my credit and manage it very well, so I find it appalling that XXXX  XXXX would sell my information even after this matter was resolved in XX/XX/XXXX and this third-party company would try to coerce me into paying them money that I DO NOT owe them. What is most bothersome in this entire matter is the fact that XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX and acknowledged my dispute and stated that they are awaiting to receive additional documents from the seller! Their words not mine. They paid for my information and admitted to it. Additionally, the same letter indicates in the interim they initiated a request that the three major credit reporting agencies delete this referenced account. 

Well why would XXXX XXXX XXXX proceed to have the account deleted if in fact I owed them any money at all which I clearly do not? Is this an attempt for them to clean up an oops on their part and cover their tracks because I should have never had to experience this egregious error causing unwarranted anguish by sabotaging my credit as if I'm guilty until proven innocent. 

To date, this account has already been removed from XXXX  and XXXX  but not Equifax. I corresponded with Equifax directly about this matter and was told they're unable to remove the account despite the fact that I have written proof that should easily remove it just as it was removed from the two other major credit bureaus already. 

With all of that in mind, your assistance with a swift resolution to this very upsetting matter will be greatly appreciated.
Complaint sub-issue: Debt was result of identity theft

I called the company XX/XX/
Complaint sub-issue: Problem with statement of dispute

I have XXXX inquiries on my credit report, and several of those reports I did not authorize. Equifax has given me a false response stating that these inquiries were factual. There is no record of a signed application from me, nor a copy of my drivers license or State ID, Also I would like these items removed from my credit report. But Equifax is requesting more information or documentation. Please assist me. it states also -- *** Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX KS XXXX this does not tell me that the company validated the inquiry on my account. Now I have to take extra steps to have Equifax remove the items from my account, by going to the company directly,. this is not factual not legal..
Complaint sub-issue: Right to dispute notice not received

a collection agency named premiere credit tapped in freeze my bank account they never send me any letters in mail they were sneaky freeze my bank account until they are paid i try talk to those idiots and collection agency they are very rude they caused me emotional stress
Complaint sub-issue: Frequent or repeated calls

On XX/XX/XXXX I reached out to a representative from Jefferson Capital System and set up a pay to delete. Per our conversation ( XXXX ) and XXXX ( supervisor ) stated they would be able to do a pay to delete, when I specifically asked XXXX to send me a email stating they would be able to provide a pay to delete she said they do not use emails but they can go ahead and mail me one. I let them know that I need a letter of proof they will delete it before I can make a payment. XXXX transferred me to her manager and her manager ( XXXX ) told me she will send a secured email with the payment agreement INCLUDING THE PAY TO DELETE. I set up the payment for the XXXX for the full amount and verbally verified were doing a pay to delete and it will state that on the email multiple times. Once I receive the email I log into the desktop and set my account up with them and the payment arrangement is set up as XX/XX/XXXX balance will show PAID IN FULL. I called Jefferson Capital on XX/XX/XXXX to speak to the same representatives to see why I do not have that letter like we agreed on. When I spoke to both representatives they stated they never said such a thing and that they can not send out emails/letters for a agreement of pay to delete because they send it after. I informed both of them that I want in writing that once the payment is made in full they will agree to delete it off my records and that way I will go ahead and have documentation supporting my claim in case it does not get removed. After that both reps said they do not do that per the company policy and that they will remove the collection AFTER I make a payment and they will not inform me until AFTER they remove it via mailed letter. I informed both reps that this is lying to consumers, telling them this information and then not giving them proper documentation per request and also UNFAIR tactics to get consumers to pay on debts. LYING to get a payment and making false statements and claims. At the end of our conversation I asked for them to either give me some type of letter via email stating they will delete the collection off my credit once they receive payment on the XXXX and both representatives were not able to do that because it was " against policy '' and they delete it after they payment. I went ahead and voided my charge and verified the payment plan was delete for the XXXX. This company has horrible reviews and scare tactics to get their consumers to pay. I do not appreciate being lied to and tricked into FALSE AGREEMENTS!
Complaint sub-issue: Can't close your account

There is a Citicards credit card showing up on my credit report that should not be there. It says that I am an authorized user of this account. I do not have access to this account. I do not have contact with the primary account holder either. I have not spoken to this person since we broke up about 10 years ago. I do not have any contact information for this person either. I tried calling Citi today XX/XX/2022 around XXXX PST and spoke with 2 different agents. Both agents tried to find me and the account multiple ways unsuccessfully. They couldn't find me by my name, my social security number, previous phone numbers, my maiden name, the primary 's full name, the primary 's previous numbers and address, etc. I also gave them all of the information I had on the account that I could see on my credit report. They were still unable to locate me or this account and insisted that it may be a Costco card. I was told that since they can't find me on any accounts, I would have to get the primary card holder to call them to remove me. This is just a giant circle. I can't get in contact with this person as I said before. I haven't had contact with him in almost a decade. How am I supposed to get him to do this? I am stuck in an unending loop and unable to free myself and my credit reports from this account.
Complaint sub-issue: Having problems with customer service

Loan to Learn has reported negative information on my credit report that is not true and will not respond to correspondence to remove from my credit bureau reports. I requested a deferment on payments since the student was still in school. We showed proper documentation however they sent our loan into collection with a private group located in California. We have been making payments to this law firm for 2.5 years on time yet Loan to Learn is still showing that we have not made any payments on my credit bureau 's thereby hurting my credit score and impacting my ability to acquire credit and hurting my employment opportunities.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My name is XXXX XXXX XXXX and I am filing this complaint against XXXX on my own behalf, as a Natural Person and Federally Protected Consumer, without any connection or involvement with a third party. 

I sent a validation of debt letter as well as a cease and desist to Discover Financial Services which they received on XX/XX/2021. Their response failed to meet my demands. I requested if their information did not meet my demands, to remove the balance from the account. They have not done that. I have filed an identity theft report stating that they assumed my identity as the original creditor as defined per XXXX XXXX XXXX ( g ) I have attached several documents that show what I have done and their response, as well as the identity theft report. I have also attached my passport to show I am reporting this claim myself and not a third party.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX, XXXX  AND XXXX  HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 

NAMES : XXXX XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX-NOT MINE PLEASE DELETE.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CO XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX  TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXXype Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FCRA violations : accounts are not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance XXXX XXXX XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$610.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$530.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1600.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Account charged off. {$840.00} written off. {$840.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$110.00} XXXX XXXX account. {$110.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1500.00} XXXX XXXX account. {$1500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Closed. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$75.00} Status Account charged off. $
Complaint sub-issue: Account information incorrect

My debt has been settled, and eqifax has not updated their information. I was almost denied the credit for my new home. Also when trying to contact them the report from us never posted. I called byl the credit agency and they reported it to eqifax but they never updated our accounts.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received my benefits and was able to make purchases for about three days then they locked my card due to suspected fraudulent charges. I cleared that up with key bank, the card provider. My card was still locked after clearing it with them. I called them again and they told me to contact washington unemployment to unlock the card. I contacted them multiple times and they haven't responded or unlocked my card. If I have cleared it with the bank then why do they still have a lock on it and why do they get to lock my card in the first place.