Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using the card to withdraw money from an ATM

On or about XX/XX/2020 I attempted to pay a wireless cellphone bill that was in another parties name which when the wireless phone company attempted to obtain the {$5.00} fee for the cell phone bill they submitted there request to my US Bank relia debit card account by using the other party name and address who is on the wireless phone company account which US Bank card Holder services rejected the request which was a honest mistake made by the wireless phone company which US Bank card Holder services placed a Restriction on my US Bank relia debit card account on XX/XX/2020 making it unable for me to withdraw any of my Money that is on my US Bank relia debit card account which I have over 12k in that US Bank relia debit card account which they instructed me to Fax US Bank card Holder services Proof of my current Address and my Identity which I Faxed my Proof of my Address & my Identity twice on XX/XX/2020 & XX/XX/2020 and US Bank card Holder services has refused to still Remove there Restriction that they placed on my US Bank relia debit card account causing me Not to be allowed to withdraw any of my Money that is in my US Bank relia debit card account which is Ineligible account now and since XX/XX/2020 I have been unable to obtain any of my Money from this US Bank relia debit card account to buy Food for my home and pay my bills which are Past due can some one Please Please help me get this US Bank card Holder services to Remove there Restriction they placed on my US Bank relia debit card account or what other options due I have to get my Money off of this US Bank relia debit card account Please help me???
Complaint sub-issue: Debt was result of identity theft

I disputed an unrecognized debit card that opened under my name back in XX/XX/XXXX, and no progress has been made from the XXXX  or XXXX. I never visited or purchased at XXXX in person or online since XXXX ( which is verifiable from my transaction history at XXXX the only bank I use ) and I certainly did not open a checking account without linking it to my bank. Very interestingly, this debit card opened around the same time I was told I need to check if I was part of the data breach victims in XXXX. After confirming that I was I immediately reported this fraudulent collection for the sake of correcting my credit score from XXXX 's dispute center. Almost 9 months have passed, I still see no investigation progress from XXXX  or XXXX  and this collection record is affecting my ability to apply for a car loan that I need for day to day commute. I need to correct this collection record from a real identity theft incident that happened almost 2 years ago.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

On XXXX XXXX, XXXX XXXX XXXX, XXXX placed a new collection debt on my credit report to all 3 credit bureaus ' without properly notifying me. The amount of the debt is showing {$3700.00} and the original collector was XXXX XXXX. Since then, the debit has been updated on my report XX/XX/2018.
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 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 XXXX XXXX XXXX XXXX XXXX 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 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

FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$37000.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. $ XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/N
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be adjusted and corrected right away. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter Warfield is attempting to collect a debt ( {$360.00} ) on behalf of XXXX XXXX XXXX but refuses to provide validation of the debt. I initially requested the information orally. I asked the staff to stop contacting me because they were abusive and would never supply the documentation, yet said they would. In 2021, I began requesting debt validation in writing ( XXXX and XXXX, 2021 ). They have supplied two letters- ( 1 ) one letter stating they are attempting the collect a debt with the amount listed and ( 2 ) another letter stating the debt and a offered with reduced amount to settle the balance. Hunter Warfield sent a letter dated XX/XX/2021 stating their " records indicate we have previously provided you with validation of the debt based on the same dispute. As we have previously fulfilled our duty to provide you with verification, we do not plan to respond to any additional requests ''. I have not received any debt verification despite multiple requests.
Complaint sub-issue: Account information incorrect

Upon viewing my credit report a collection item appears on my report for which I had no knowledge I have enclosed a letter from the debt collector stating the account is being disputed and that they have ceased all collection on this account however the credit bureau has refused to remove the item from my credit file Collection company name XXXX XXXX XXXX XXXX XXXX XXXX reference number XXXX
Complaint sub-issue: Was not notified of investigation status or results

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). Many of the accounts are duplicated as collections. This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX never late XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX  XXXX XXXX XXXX XXXX {$1800.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX {$420.00} not mine
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Date of Birth : 1984
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/2022 To Whom It May Concern : I received an alert on my credit report on XX/XX/2022 about an alleged debt from Procollect , INC in the amount of {$890.00}. I called the company to inquire about alleged debt. I asked why I havent received an initial letter about the alleged debt? The Procollect , INC representative admitted during the phone call on XX/XX/2022. They are in process of sending out the initial letter. This negligence is in clear violation of my FDCPA rights. Due to this unacceptable violation. I request the alleged debt deletion from all credit reports ASAP. I have attached the alleged debt from my XXXX credit report. I have also attached a screenshot of the telephone call. If theres any other information needed, please dont hesitate to ask. 


Best Regards, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Complaint sub-issue: Information belongs to someone else

XXXX has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the XXXX XXXX XXXX XXXX, CA. XXXX.
Complaint sub-issue: Problem using a debit or ATM card

I opened a claim with my bank for XXXX transactions made with my debit card ending in XXXX, because the seller never sent the items. 
The bank gave me a provisional credit, but then was reversed. I received a letter requesting more information about the case, that letter has a old date and I don't know I received it very late and as soon I received the letter I sent the information back to them on XX/XX/XXXX. 
I need to reopen the case for this XXXX transactions for merchandise not delivered. 
XXXX XXXX made on XX/XX/XXXX XXXX XXXX made on XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have an account that is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. The bureaus are reporting different dates for last activity, date of last payment and, days late.
Complaint sub-issue: Problem with fees

Earlier this year, my wife and I tried to log into our Citi Card app, at which time were prompted to accept the terms of use in order to log into the account.  What we didn't know at the time we accepted the terms of use, was that we agreed to paperless billing.  This was not disclosed to us at the time, and we have never had paperless billing, since 2008 when we signed up for the card.  Two months later we received a letter that our credit score had changed, which was a surprise to us, because we have always had close to 780-790 credit scores.  When we called Citi to ask about this letter, we were then told that we had not paid the previous 2 months bill.  We explained that we never received a bill in the mail, at which time they disclosed to us that we elected for paperless billing when we accepted the terms of use, "because is it what most people do now a days".  Our balance at the time we got the letter was $XXXX, I could have paid the balance the first month, but did not realize that we had elected unbenost to use paperless billing.  I sent a letter explain the circumstance to Citi, and they basically said tough luck, no one in the call center could help me at all after multiple calls and the only way they said I could get an answer was via letter.  After I sent the letter, they sent me back 3 different letters, saying that they understood I no longer wished to dispute the credit reporting. I never expressed that in my letter and again could not get a single representative to help me in this process.  I did not mind paying the balance, but the negative credit reporting that Citi did has greatly impacted my wife and I ability to refinance our mortgage, and again I am not getting any help from Citi Cards in the matter.  Your help in this matter is greatly appreciated,Regards,XXXX and XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

I had lost my Discover it card back in XX/XX/XXXX and had called Discover to replace it. I could not login into my account to check my payment status. I had called Discover customer service to resolve the issue, and they assured me I had automatic payment setup in XX/XX/XXXX, and also sent me out a new card. Later, when regaining access to my account I saw I had missed XX/XX/XXXX payment and immediately made it. I had called Discover and asked how come my payment was not taken out, and they said it reset itself after a new card was sent out. I was concerned about a 30 day late showing up on my credit reports, but they assured me I had the late payment forgiveness, and to check my credit reports and if it did show up to call them immediately and they would resolve it.

The 30 day late did show up all 3 credit bureau reports, and I had called Discover back to find out if they would honor their late payment forgiveness. They said the late payment forgiveness is only for late fees, and not for what they report to the credit bureaus. I felt this was misleading as nowhere when they advertised this product in XX/XX/XXXX when I had signed up about this being the case with the late payment forgiveness. I have an excellent record of zero late payments on my credit reports, and assured Discover this does not reflect my record of making on-time payments. I had requested a good will adjustment due to Discover advertising the late payment forgiveness, and in respect to the fact I have always had on-time payments hoping they would honor the request. Discover will not work with me in addressing the 30 day late on my 3 credit bureau reports, and that mistakes on their part regarding their representatives assuring me my auto payment was setup, and how they would resolve my issues with the reporting of the 30 day late to the credit bureaus were not their fault and is my responsibility.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ACCOUNT TYPE : DEBT BUYER DATE OPENDED : XX/XX/2021 PAYMENT STATUS : PAID IN FULL, WAS IN COLLECTION. ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. I HAVE A LETTER FROM THE COMPANY STATING IT SHOULD BE CLOSED AND DELETED FROM CREDIT REPORT.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX Debt does not belong to me, it was unverified, not validated and is currently reporting on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts that are below have not been late. The information reported is incorrect. 
You 've paid off 100 % of your student loan amount. 

I have attached document Balance {$0.00} Highest Balance {$4200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term months Payment History Youve made 94 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status Current Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks -- Times XXXX/XXXX/XXXX days late XXXX Closed
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXXBalance XXXX {$0.00}
Complaint sub-issue: Debt was paid

USCB America is attempting to collect a debt owed to XXXX XXXX. 

I settled the debt directly with XXXX XXXX on XX/XX/2020 for {$120.00}. However, USCB America claims that the debt has not peen paid and is attempting to collect for an increased amount of {$220.00}. 

They have attempted to collect this already-paid debt by mail and by phone. The latest phone call was on XX/XX/2020. 

Please see attached XXXX XXXX receipt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Discover stated they issue a XXXX form in XXXX tax year. Never received document. Also, I want a letter stating the XXXX was issue. I can't be sue for the debt on the time barring account and also its uncollectible. Lastly I notice their a soft inquires every month. Why is this? 


I called the number provided. 


Discover stated before : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Re : Discover card account ending in XXXX Consumer Financial Protection Bureau Case No. : XXXX, XXXX Dear XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ) . To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. We appreciate you bringing your concerns to our attention. We are unable to confirm the events as you have described them in your correspondence to the CFPB. According to our records, your account charged off with a balance of {$5200.00} on XX/XX/XXXX due to non-payment. We do not have any record of you contacting us since the account charged off to request settlement options. Our attempts to collect the unpaid balance were unsuccessful. We are required by the Internal Revenue Service to issue a XXXX tax document on any balance greater than {$600.00} that we have determined to be uncollectible ; therefore, a tax document was issued to you for the XXXX tax year. We can not provide you with tax advice. If you have any questions, Discover encourages you to consult a tax adviser of your choosing. While we are no longer actively collecting on the debt, if you wish to discuss options to settle your account, please contact our Customer Assistance and Recovery department at ( XXXX ) XXXX. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX a.m. to XXXX p.m., XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I fell behind on my payments with  my Macys cr edit card. I received a letter saying that I cold qualify for payment solutions and to call before  X/XX/17    ( at that point the account would be charged off & sent to collection s ). I  called on the  XXXX ,  XXXX  &  XXXX  between the hours indicated on my statement and letter, but the I got a recording that they were closed. On the  XXXX , I got a hold of someone who was surprised & told me that they changed their hours, but did not update their letters & statements. She also told me that I actually had until the  XXXX , so I was ok. When sh tried to transfer me to the dept handling my situation, she could not get through and sent them an email to call me betwee n 24-48 hours.  I did n't hear from them, so I called on the  XXXX . I was later told that they had called me on the  XXXX , as well, but I had just missed the call. I was also told that it would n't matter because it was too late ( even though I told them I had until the  XXXX  ). The representative told me I had to pay {$210.00} dollars on the phone with him, to be able o roll back my account- so I can apply for the payment solutions. I told him that I called several times, that I had just received a call and that I was within the timeframe. He still declined to help me unless I made a payment. I told him I was going to file a complaint. I decided to call and try to make the {$210.00} payment, but the new representative said that it was not going to help me either way. I also received a letter dated  X/XX/17   , asking me to call for a payment solution- also with the wrong hours etc.
Complaint sub-issue: Information belongs to someone else

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of these inquiries contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor.

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of these inquiries violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report these inquiries to any consumer report. 

As a consumer, and the original creditor I, XXXX XXXX, am seeking the following remedy from Equifax for these violations : The removal of the inquiries listed below XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX