Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Used obscene, profane, or other abusive language

This company has been calling repeatedly, not only myself but also calling extended family and friends. When I answered today (   XXXX   XXXX   @  XXXX  p.m.  )  they did not tell me the call was recorded, did not identify themselves by  Company name even when I asked repeatedly. I told them they had some misinformation and the girl w ho said her name was  XXXX   XXXX  but at first told me her name was  XXXX   )  pounced on me and said I had admitted to the debt ( which I had not, I simply asked for verification of the debt ). She was extremely rude, loud, talked over me and would n't let me get a word in edge-wise. Multiple times she flat out refused to give me the name of the debt collection company she represented. She threatened to take legal action. Again, I tried to ask for validity of the debt and she refused, speaking over me and continuing to threaten me with action. I finally hung up on her. I called back and asked to speak with a  manager and encountered another rude person who kept refusing at which I point I mentioned taking legal legal action against them. I finally was put through to a " manager ''  by the name of  XXXX   XXXX  who said he worked for  XXXX   XXXX   XXXX   XXXX . I explained to him the problem but had no real resolution.
Complaint sub-issue: Investigation took more than 30 days

These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FRCA
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. XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I had a hard inquiry on XXXX  that caused a 6 point decrease. Upon checking on it I found that on XX/XX/XXXX Discovery Financial SVC attempted to pull my file. I called Discovery @ XXXX and spoke to 3 different class of service providers and none can find my info under my name, ss, or phone number. I have zero accounts according to their records. XXXX  will not dispute without 3 letters, one of which need to be from Discovery, who can not write me a letter due to they have never seen info on me, or a police report, or FTC. When reaching out to FTC it send me here. So what do I do now?
Complaint sub-issue: Account information incorrect

I have reached out several times to the bureau to remove this erroneous item from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Delete all The Hard Inquires from my credit reports XXXX  there is a total of 6 hard Inquires on my credit report that I don't recognize. 
1- XXXX XXXX XXXX Inquiry date XXXX 2- XXXX XXXX XXXX Inquiry date XXXX 3-XXXX XXXX XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX XXXX Inquiry date XXXX 6- XXXX XXXX Inquiry date XXXX Equifax 1- XXXX XXXX Inquiry date XXXX 2- XXXX XXXX Inquiry date XXXX 3- XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX XXXX Inquiry date XXXX XXXX 1- XXXX XXXX Inquiry date XXXX 2- XXXX XXXX Inquiry date XXXX 3- XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX Inquiry date XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This debt was discharged when I filed Bankruptcy. I also received 100 % financial help fr the hospital for the months of XX/XX/XXXX and XX/XX/XXXX. Please remove this debt from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX, XXXX  AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several unverified accounts on my report and the reporting agency refuses to remove the account or supply me with verifiable proof ( signed contract or other documents with my signature ) that the account belongs to me as required by the FCRA.
Complaint sub-issue: Problem during payment process

On XXXX XXXX, 2017, due to a error with a balance transfer I ended up paying the total balance owed twice resulting in a credit of {$9000.00}. After an interest charge, my final credit on my card was {$8900.00}. I contacted Citi Bank on XX/XX/XXXX, and requested that the credit be returned to my checking account. I was advised that this would take 3 to 5 business days. By XX/XX/XXXX, the money had still not been transferred. I again spoke to Citi who this time advised me that this would take 7 to 10 business days because the credit balance exceeded {$1000.00}. I would like to understand why Citi bank is allowed to sit on my money and why I was misinformed as to when they would return my money. My frustration is exacerbated by the fact that they had the credit balance for 7 days prior to me calling on the XX/XX/XXXX. If I am late by an hour, I am charged a late fee immediately. I do n't understand how they can keep almost {$9000.00} of my money for over 2 weeks.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX I reviewed my credit report for all 4 credit bureaus. In review of my reports, I noticed that my current XXXX XXXX account ( XXXX ) was not being accurately reporting or missing from two of the credit bureaus. Equifax reports shows that I have NO MORTGAGE and XXXX   shows an old mortgage and has it reporting as being closed. XXXX  shows the mortgage reporting accurately. XXXX  is showing the correct balances but has a note that the account is " potentially negative ''. I contacted XXXX XXXX to be sure that this information was being reported to the bureaus. On XX/XX/XXXX I received an emailed copy of XXXX XXXX resolution that simply stated that my account was being accurately reported to all four credit bureaus. On XX/XX/XXXX I contacted Equifax to inquire as to why my existing mortgage is not being displayed on the credit report and I was told that it was never reported to them and that it has never been reported. I faxed the letter from XXXX XXXX to Equifax and they will not open a case stating that this information can not be investigated because they do not show me having a mortgage at all. XXXX is saying the same thing. This error is causing me detrimental consequences as far as credit is concerned because I have been paying my mortgage on time ( NO MISSED OR LATE PAYMENTS ) since XXXX of XXXX. I can not get anyone of these bureaus to correct this or even investigate it. I have attached the resolution letter from XXXX XXXX. I have attached the page of Equifax report that shows they do not have a mortgage account for me as of XX/XX/XXXX. I have attached page 22 of my XXXX report that shows the old mortgage information for XXXX XXXX being reported negatively as of XX/XX/XXXX and I have attached the page that shows XXXX   notes that says the current mortgage - which hasn't been late for 4 years yet they are reporting a note that states " potentially negative ''.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Application denied

I have applied for Citi Rewards + card by phone on XX/XX/XXXX, provided my current address and phone number. I have read the advertisement and believe I am qualified in regards to credit worthiness. Yet I was still denied for the card for the reason I am not a US citizen/permanent resident, whereas the terms and condition says nothing about the nationality restriction of phone application. I did provide a valid US address ( where the rejection letter was sent to ) and my current phone number. Besides my citizenship, I did not reveal anything about my permanent address overseas during the entire phone application. When I called the customer representative of Citi, their answer is that non-US residents have to apply on branch and the decision can not be reconsidered. Even though it is a student card, a hard pull has already been conducted and negatively affected my credit score this month.
Complaint sub-issue: Account status incorrect

I paid off myloancare mortgage loan last month, during that time I was in forbearance. I was completely current on payments going into the forbearance and when the account closed, it was reported to the credit bureaus that I was 60 days late.
Complaint sub-issue: Other problem getting your report or credit score

We have a mortgage with XXXX ( was with XXXX up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our credit score, which costs me every day. Our account number with XXXX is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN XXXX
Complaint sub-issue: Information belongs to someone else

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX   XXXX Credit CardXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXInquiry from XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXXXXXX XXXX XXXX Closed : XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXX $ XXXX XXXX XXXX XXXX - XXXX XXXXNeeds Attention Last reported : XX/XX/XXXXXXXX XXXXNeeds Attention Last reported :XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking  fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over 15 inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with XXXX was compromised and was showing up with me as being XXXX. Equifax had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the fair credit reporting act XXXX {$100.00}, XXXX {$150.00}, and XXXX XXXX XXXX {$1200.00}. 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 C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Right to dispute notice not received

XXXX, sitused in XXXX, Indiana, has a collection agency contract with the Indiana Department of Revenue. By statute ( specifically Ind. Code 6-8.1-8-4 ), the Indiana Department of Revenue may hire special counsel or a collection agency to collect judgments from tax warrants ( let me add emphasis that the collection agency bit ONLY relates to judgment by warrants -- a point I will get to a little later ) ; however, the statute does not say that a collection agency can stand in the stead of the Department. 

Premiere takes the position that it IS the Indiana Department of Revenue when enforcing this debt ( they work on a contingency basis -- less than 11 % ) and does not follow ANY of the provisions of the FDCPA. Their contract, evidencing the contingency fee is online. 

More specifically, on Tuesday, XXXX XXXX, XXXX, they initiated the first-contact with the debtor. Debtor was informed that she had 24 hours to agree to a payment agreement that consisted of approximately $ XXXX over a 4 month period. If debtor did not call back in 24 hours and take this deal, they would merely garnish her wages. 

There was no initial letter substantiating the debt. There is no opportunity for her to challenge the amount owed. There is no notice that lays out which portion of the debt is the tax owed or the collection fee. Nothing ... nada. Just " you owe this '' and if you do n't agree ... .bam. 

As if that 's not offensive enough, let 's walk through that whole judgment arising from a tax warrant. The Department of Revenue 's own interpretation of that statute is, " DOR may contract with a collection agency if an unsatisfied Tax Warrant has been issued by DOR ... '' and " Tax Warrants not collected by a sheriff in 120 days may be sent to a collection agency. '' See page XXXX of their contract with Premiere, accessible here : XXXX A tax warrant is actually recorded in the country where the debtor owns property or lives. And, a collection agency is " paid '' by " filing an amended warrant ... and adding the [ collection ] fee, '' which is predetermined by the XXXX and budget agency. ( See Ind. Code 6-8.1-8-4, again, for all of this. ) This debtor has always lived in XXXX XXXX, Indiana. 

There are no tax warrants filed and outstanding for the debtor. Their warrant system goes back to XXXX. 

So, you have a collection agency that was n't properly hiring, collecting on a debt they are n't authorized to collect, and using tactics that are reserved for a state agency -- all the while thinking they stand in their stead and, thusly, no pesky FDCPA rules apply. 

I just ca n't with this one ...
Complaint sub-issue: Information belongs to someone else

Company is in violation of multiple consumer laws which I have attached. Information being reported is false and does not belong to me and I do not give written instructions for this information to be furnished.
Complaint sub-issue: Information belongs to someone else

incorrect information defamation of my credit historyXXXX XXXX  60 days late fcra violation see attach police report
Complaint sub-issue: Was not notified of investigation status or results

I initially disputed these accounts with all 3 credit bureaus on XX/XX/2020. XXXX  is the only credit bureau that removed the fradulent accounts. I am very confused on why XXXX  and Equifax didn't remove the accounts when they all verify with the same creditors. It has also been over 60 days and the credit bureaus have not completed an investigation. I was always under the impression that the credit bureaus have 30 days to complete an investigation. According to 611 ( a ) if the credit bureaus do not complete a proper investigation within 30 days then the accounts should be automatic deletion. This definitely applies to my case. I am also a victim of the Equifax data preach and my information could've definetly been placed in the wrong hands.
Complaint sub-issue: Banking errors

At the end of last year I opened a Bank account with my Ex at US Bank. When asked if we wanted Overdraft protection we declined and and specifically told the banker that if there was not money in the account we did not want our cards to allow any purchases. When we separated I stopped using the account and my ex continued to use the card and was able to use the card even though there was no money in the account and we accrued several over draft fees. The mail was going to his house and he did not check it or know that we had an outstanding balance. The account was sent to collections and dropped my credit from a XXXX to a very low scored. When I have gone into the bank or called, everyone acknowledges that we signed documents declining overdraft protection but has no way to help us. The late fees have accrued to such a high amount that I am drowning and have not been able to pull it out of collections which will make it very hard to find housing when my lease is up. I am completely lost as to what steps to take and the institution has no solution but to make me pay which I do not feel is fair or legal. The closed out the checking account and put the balance on a reserve line of credit that we never signed for.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I went to XXXX XXXX of XXXX in Il to get a new or used car as XXXX XXXX sent me a pre approval letter for a new or used vehicle in the amount of XXXX to XXXX. In discussing with the sales person and signing off on the dealership only running my credit for approval with XXXX XXXX, they ended up running my credit 7 times more with several other auto loan companies. They have the document I signed stating to run with XXXX XXXX only and will not give it to me. They also told me at one point XXXX XXXX was not approving it and then I called XXXX XXXX while I was there with them and the woman told me they did approve the loan and gave me a ref # of XXXX. I confronted the gentleman man at the dealership and they said yeah we got you approved for a XXXX XXXX, I said that is not the car I picked, I asked for my car key back and left cause I started getting the dings on my phone from XXXX XXXX, I told them why are you running my credit so much? I was told not to worry, I told them no your wrong and left! The manager emailed me and I confronted him that he had no right to run my credit like he did and he hasnt answered me back. I disputed as well with Equifax and they are not taking it off.
Complaint sub-issue: Didn't receive terms that were advertised

CITI Bank. Tried to open a new savings account : Accelerate 2.36 %. Have made over 30 phone calls. Would not accept wire transfers in good faith and bounced it two times and charged me {$100.00} for that. Will not communicate effectively about how to resolve wire transfers into CITI Bank savings. Now will not transfer out the {$10000.00} that is in there by TRANSFER from my Credit union, except {$2000.00} at a time for the next 5 weeks. Another loss of money. Further, a tremendous loss in interest from my local credit union because of CITI Bank 's problems. Never can help the customer.