Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I work for a company, this company has a dispute with the merchant and merchant did't get paid. 

All the invoices and Bills of Service has the company name but the merchant report my personal information to the credit reporting companies
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, CXXXX XXXX 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 an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )
Complaint sub-issue: Threatened to take legal action

They are trying to force me to post date checks and use a debit cards on my account knowing that I do not have the money. They keep saying I am refusing to pay when I am not I said I am willing to pay with a money order or XXXX XXXX money with XXXXXXXXpayments before they refused the XXXX and wanted XXXX or higher. They hang up on me saying I am refusing to pay when I am not.
Complaint sub-issue: Account status incorrect

I noticed in XXXX that my credit report contains late payments reported on XXXX and XX/XX/2016 for my XXXX   student loan accounts. At the time, I have attended XXXX XXXX College ( now XXXX XXXX University ) in the Spring of XX/XX/2016and XXXX XXXX University in the summer and fall of XX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting XXXX regarding this issue, as well as sending their credit bureau management team relevant documents showing that I was a student at the time, I have not gotten a single response from XXXX team.
Complaint sub-issue: Problem making or receiving payments

OnXX/XX/XXXX I walk in US Bank and deposited {$3000.00} which requires 3 to five day hold for verification. OnXX/XX/XXXX after  approving fund the bank placed a secondary hold on fund and route the funds to XXXX  fraud department knowing this is personal account not associated with business activity and therefore, a fraud alert process was initial to remove funds from personal account. On XX/XX/XXXX when I called the fraud department to inquire about the funds being placed in the fraud department for what reason I was told by XXXX in the fraud unit it was because they couldn't verify the funds, I explain to XXXX  that XXXX XXXX inform me that the funds were there and they have not received a request for verification.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This account was closed with a XXXX balance. The credit card company just keeps charging late fee 's and missed payment fee 's to create this balance! I went into the branch and talked to the same person who opened the account, he said it's nothing that can be done at his level.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is reporting false & misleading information. 

Name on alleged debt doesnt belong to me. Different name on account. 

XXXX {$260.00}
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASION TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Account information incorrect

I never hired or authorized this medical doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX  XXXX XXXX with a 100 % coverage and no deductible even if I authorized the medical services ( which I did not ) I would have been covered by my health insurance provider. Furthermore I have no judgement in a court of law stating I owe this balance.
Complaint sub-issue: Account status incorrect

I issued a few disputes in various ways about this already, but didn’t realize the scope of the problem. At first I thought this only was on my Equifax report. Now I realize it’s also my XXXX and XXXX as well!There is an account from a Collections Agency being incorrectly reported an my credit files.The account is from the collection agency, “XXXX  XXXX XXXX”, account #XXXXThis account was paid in full with a XXXX dollar balance, closed settled as of XX/XX/2016. It should not be active on any of my reports. I have submitted various disputed to all three credit bureaus now. Equifax simply responded that the Collections Agency is “not reporting at this time”.I should have no accounts in collections, and further, XXXX is displaying this item as a “Charge Off”, meaning that they say I still owe money for it.XXXX XXXX  XXXX needs to be held responsible for correctly reporting this item as “Closed with a Paid in Full status, as of XXXX), and being sure the credit agencies receive that information.I have a correspondence from them, verifying that the status of closed and paid in full is true and accurate, which I will attach, along with pictures of the Charge Off status from XXXX and the Open status from Equifax. This account still shows as active in collection on XXXX too. All of this needs to be corrected and properly reported by XXXX XXXX XXXX.
Complaint sub-issue: Deposits and withdrawals

At XXXX XXXX on XX/XX/2020, I attempted to withdraw {$240.00} from my cash App card at an ATM Machine in a XXXX XXXX store located on XXXX XXXX XXXX, XXXX  XXXX, MD XXXX {$240.00} was taken from my account balance ( {$240.00} the amount I requested, {$3.00} ATM fee, and {$2.00} Cash App fee ). However, I did NOT receive any cash from the ATM machine. I have attempted to contact both Cash App and XXXX XXXX on numerous occasions and neither of them has got back to me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

USBank violated my appeal rights by not sending me my appeal rights after I did 5 disputes. Despite I asked one of the card member services managers to send me my appeal rights to challenge their outcome with XXXX, they didnt send me anything. Their letter has nothing about appeal rights. On late XXXX I called usbank to discuss a dispute with XXXX XXXX. I told them that by the way I had other disputes that I need to bring up. The credit card rep indicated to not worry because I had a year to bring up the dispute with usbank. She told me this on a recorded line. I believe it was XX/XX/XXXX or XXXX. Here is the problem I have : The bank is saying now that XXXX only allows 60 days to bring disputes. Usbank told me several times a year and then 120 days in follow up calls. They said the time is going to depend on the nature of the dispute. Here is the reason why I was not able to bring the disputes in 60 days : I had a contract with XXXX XXXX firm stating that I could not bring any fee dispute but through an ADR process or arbitration with the XXXX  XXXX XXXX. Since XXXX started charging me for things she didnt perform like not subpoena people, but charged me for them anyway or illegal recordings she didnt use but charged for, I needed to bring her charges up. She also started changing my fees at one point which is illegal. The XXXX XXXX XXXX give her months to respond. They also toke a long time before they bring up my desire to follow the contract and to have the fee mediation. They claimed that because of covid things were backlogged. I also was affected by XXXX and I was taking care of family member 's who unfortunately were also affected by XXXX. Usbank didn't care and they did not consider that XXXX XXXX violated her own contract. After I spend months to have the fee resolution process with her and the bar, she stated she didnt wanted to participate violating her own contract. I was forced to give her all of this time that I wasted because of our contract preventing me from speaking directly with the bank first. Again, I want to complain that usbank had never give me appeal rights violating my rights to get visa to look into the circumstances and clearly usbank not only violated my rights to have an appeal, but they also lied time on a recorded line about the time frames I had. The last thing that they did was to send me an insulting letter dated XX/XX/22 stating that if i didnt paid the dispute amounts which were reversed on the credit card that they were going to report me with the 3 credit agencies when I have never been late in any card payments and I had never stated that I was not going to fulfill my obligations or pay. I been a client of usbank for 12 years and I never once been late in a payment. I have excellent credit. Their letter content was simply treating and uncalled for.
Complaint sub-issue: Problem with fees

My Premier card XXXX was charged a {$95.00} annual fee on XX/XX/XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no refund had been credited to my account.
Complaint sub-issue: Didn't receive enough information to verify debt

Sometime in XX/XX/2018, I started receiving phone calls from USI Solutions , Inc regarding a credit card from XXXX  XXXX XXXX that was in collections ( and also had a judgment against me ). In wanting to clean up my credit, I agreed to make a payment of {$2400.00} to settle the account. I received a letter stating the settlement agreement on XX/XX/2018. I made the payment. on XX/XX/2018 I received a letter stating the account was paid in full. 

in the process of applying for a loan, I was told the judgement was still on my record and was owned/initiated by another company. I contacted that company and was told the account was never settled and they didn't know who USI Solutions is. 

on XX/XX/2018 I contacted USI Solutions, Inc and spoke to a XXXX XXXX, who was very rude to me. He first told me he didn't know what company they had purchased my account from, so then I ask for a verification of debt letter, for which he told me the account was closed, and then told me it would take 30 - 90 days to get a verification letter, and then told me I would have to speak to the woman who handled my account but she wasn't there that day. 

So now, not only do I still owe over {$4000.00} for the judgement account, I can not get information on from USI Solutions as to how they have the account and to get my money back.
Complaint sub-issue: Account status incorrect

In XX/XX/2021 I reached out via letter to XXXX XXXX to resolve this account. They were unresponsive. I followed up again as a follow up in XX/XX/2021 to resolve this account. This company was unresponsive. Please remove this account as this company has been unresponsive and did not respond in the allotted 30 days. Please remove from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

XXXX is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by XXXX.
Complaint sub-issue: Information belongs to someone else

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Complaint sub-issue: Information belongs to someone else

I finally logged into my XXXX  yesterday XX/XX/XXXX and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX  and XXXX but there are a few more on my XXXX  that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.
Complaint sub-issue: Information belongs to someone else

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$8800.00} XXXX XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Since XXXX I have called Macys about my credit protection. I asked several times for the contact information and havent been provided the information. When ever I received a call I asked about the credit protection ( insurance ). Instead I always receive a letter stating that I requested they didnt contact me. I have asked several times for this to be corrected and each time information and no correction was done. On Monday XX/XX/2019 I had to make five calls, speak to a supervisor, and fake manager. Ive been told that I dont have credit protection and about a program that had nothing to do with what I was asking. When I finally got on the phone with XXXX she stated that I did have credit protection and apologized for the lies of the last representatives. She then began to tell me about other customers not having it and that had nothing to do with me. I asked for the number several times and then she told me I dont want it. I asked to speak to a manger but was transferred to an operations support specialist XXXX who claimed to a report for me and that he saw that Ive been requesting the information. He apologized and promised to look into that matter. XXXX was suppose to contact me and its been a week. Customer service informed me the extension and number that he gave me wasnt correct. I called today XX/XX/XXXX and everyone is acting as if they dont understand. Macys has fraudulent employees that pose as if theyre managers. XXXX didnt file a report or investigate the credit protection issue
Complaint sub-issue: Keep getting calls about your loan

I have contacted Discover Student Loans about my repayment options and have signed up for a three month extension on my loan repayments. I would make my first payment in XXXX. I have gotten multiple calls and emails attempting to collect a {$50.00} payment, which should not be due until XXXX. I get up to three calls a day. I have talked with the company multiple times and confirmed that I do not owe this {$50.00} as of now and that they will take me off the auto dial list. I am typically removed from the list for about a week and then begin getting calls again. Each time I am called I talk with the representative and ask them to check the notes and they confirm that I should not be getting phone calls.
Complaint sub-issue: Account status incorrect

Since XX/XX/2019 Selflender has been continually reporting to XXXX that my closed account is open an negligent. I have spoken with representatives several times since XXXX including XX/XX/XXXXXX/XX/XXXX,XX/XX/19,XX/XX/19,XX/XX/19. They have refused to contact XXXX  to fix their reporting issues.  Yet, I as the consumer has to suffer and have my credit score dropped monthly for incorrect reporting on their end.  I have spoke to XXXX  on XX/XX/XXXX for an hour and they too have informed me of exact details of Selflender incorrectly reporting to XXXX. Selflender is continuing to not return calls or tell me someone will call me in a day and I never receive a call. I'm stressed and have suffered tremendously from this one situation.
Complaint sub-issue: Personal information incorrect

I submitted request to all Equifax, XXXX, and XXXX regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Complaint sub-issue: Banking errors

Citibank paid an item that was presented as an ACH. They reflected the item paid with a credit balance of several hundred dollars after the payment. They then turned around and returned the item two days later. When the item was returned, it showed that I had a hundred plus dollars more once the item was returned. The item was only for {$59.00} so how was there not enough money available. As well as why did the item never show as a negative which would have alerted me that there was not enough money available. Citibank responded to my concern but never addressed the problem. I was able to get the credit for the NSF fee after calling and speaking with a representative that agreed that they had made a mistake. Citibank needs to own up to their mistake and fix their online account information to reflect charges and credits to show real-time accurately. I clearly had enough money for the item to be paid. The account statement that Citibank sent in their response shows the item being paid with funds left over.
Complaint sub-issue: Information belongs to someone else

I have several inaccurate marks on my credit report that I have attempted to correct several times. 

I have asked for verification of the validity of these accounts months ago, Equifax especially, only temporarily removes the account and then puts it right back in 30 days. 

Accounts that are not valid : - XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX *Note* - XXXX XXXX XXXX claims that I made 100 % of my payments, yet they display 5 negative remarks, and also they are claiming " negative marks '' on dates after the account was already closed ... this obviously is not my account, nor verifiable. 

Inquiries Not Valid : - XXXX  XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX - XXXX  XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/XXXX, I paid {$20000.00} to Costco Anywhere Visa Business Card by Citi-XXXX.

I had a credit limit of {$21000.00} On XX/XX/XXXX, I received a notice they lowered my credit limit to {$1500.00} This is wrong. The below is what they wrote in their letter to me. 
I sent them a letter stating that they are using fradulent data to degrade by credit limit. Recently on XX/XX/XXXX I filed a police report with XXXX XXXX Police Department Incident number XXXX regarding fraud on my credit report. I have submitted this to all the bureaus.
Complaint sub-issue: Investigation took more than 30 days

To whom this may concern, I submitted 2 letters to Equifax regarding 4 hard inquiries that are on my report, from almost 2 years ago. I have let Equifax know that I wanted to dispute these because these inquiries are NOT mine. I have asked them to provide me with documentation bearing my signature that I authorized these creditors to run my credit and allow such inquiries to be placed on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have sent letters out on XX/XX/XXXX and to my knowledge the creditors have 30 days to respond or the inquiries have to be taken off my report. I have also written ANOTHER letter and sent it off XX/XX/XXXX. Both letters were sent by certified mail. I have also called Transunion and yet NOTHING has been resolved. Because these companies can not verify that I authorized these inquiries I am requesting these inquiries be taken OFF of my credit report immediately.