Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

I had auto pay set up on my Citi bank card. The set amount of XXXX which was the min payment set to be taken out of my checking account on each month on the due date on the XXXX of every month and for the month when the problem started with was for the month of XX/XX/XXXX. My min set amount due to taken out with my account set on auto pay was {$290.00} then on XXXX another withdraw was taken from my account in the unauthorized amount of {$1100.00} that was never approved. I did reach out to the CC company and they told me it could take up to 2 weeks to refund the money. The money was never refunded so I reached out to my bank to dispute the withdraw. My bank determined that the payment wasn't processed based on the terms under my card agreement and Citi bank returned the amount of {$1100.00} XX/XX/XXXX. My CC account was also current before the due date for the month of XXXX. I have not used this card for any purchases for months. In the process of getting the money returned to my checking account, Citi bank then lowered my credit limit down below the the amount I owed and is now telling me I am late making payments and harassing me to make a payment. I still have cont. to make my payments on time and still have not used my card to make any transaction. I have reached out to Citi bank requesting that they put my credit limit back to where it was so I wouldn't be over my limit now and they have refused. I was current and have cont to make my min payment on the due and now have received a late fee of {$40.00} on XX/XX/XXXX. I made my payment on time for XXXX for the min. due and then again another payment on XX/XX/XXXX for the amount of {$210.00} and then another payment on my due date of XXXX for the amount of XXXX. This has all started from them taking an unauthorized payment from my account and now I am {$640.00} over the limit and they are cont to add late fee 's for an account that I have been current on and can't get a straight answer from anyone in customer service. They denied my credit limit increase.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I actually never received anything from this company regarding a debt owed. However, several weeks ago, I received a letter from M2 Law Group PC about this debt owed and they supplied paperwork. Maybe my complaint with with the payday loan place but I also have a complaint with M2 Law Group PC. http : XXXX I believe under the FDCPA, you are not to imply you are a lawyer. However, this is a law group attempting to collect the debt. Their letterhead reads : M2 Law Group PC, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, ID XXXX. At the bottom of the letter text reads, " ... and any information obtained will be used for that and other purposes allowed by law. '' Well, I have called and left messages twice with the law firm AND I submitted my information through their website 's Contact form. I have yet to receive a response. I have recorded my attempts. I just do not want to get blindsided with a lawsuit as I have attempted to contact them and make arrangements. Now I'm worried this company is not legitimate and not working for the XXXX XXXX company but XXXX have purchased the debt.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I borrowed {$10000.00} and with interest occurring loan is up to XXXX. I've been making payments and most of the payments is credited to the interest. I tried talking to the lender to see if the interest rate could be reduced or if we could turn the loan into a fixed rate loan so that I may pay the loan off in 4 years without steady occurring interest. But they told me they can not do that and since the loan is current there is nothing they can do for me. I contacted them on XX/XX/2021 is the most recent time. There has been one other time I spoke with them but I can't recall the date. I would appreciate any assistance in helping to resolve this problem.I 'm on a fixed income and the person the loan relates to is unemployed.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap, The accounts are reported as duplicate with different amounts owed XXXX  XXXX, XXXX   XXXX,
Complaint sub-issue: Debt is not mine

I lived in XXXX XXXX rental complex in XXXX, Pennsylvania from XXXX until XXXX. Although I had paid all my rents on time and had returned the apartment in a perfect condition and had the agent of the rental complex inspected the apartment, despite having XXXX Dollars security deposit, which XXXX XXXX never returned to me, the XXXX XXXX XXXX , without any notification to me ( although they had my new address, phone, and email ) sent XXXX Dollars for collection to Hunter Warfeild Collection Agency in XXXX, FL. This apparently happened in XX/XX/XXXX. Hunter Warfield never attempted to contact me and reported the collection to Credit Bureau in XX/XX/XXXX, which was almost 5 years later. I first noticed the issue on my routine credit checks in XX/XX/XXXX. I paid the collection immediately, total of XXXX Dollars, including the collection fee, although I did not think I was responsible to that. 
This XXXX dollar collection had drastic effect on my credit score and my overall financial life. I had never have a single late payment in my entire life. All my credit scores were in top tier. Only with this issue, my credit score dropped significantly. As of last 2 years, I had multiple attempts to get a home loan and I have been turned down every time.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act conversion 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, DEPT OF ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 A section 2 -it also states a consumer reporting agency can not furnish your account without my written instructions
Complaint sub-issue: Information belongs to someone else

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX  is still reporting this fraudulent information to my Equifax and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/XXXX I sent a letter to the bureaus in regards to my items being disputed in all forms of inaccuracy XX/XX/XXXX I got no response then I filed stating I was reporting them & certified these aswell.
Complaint sub-issue: Information is missing that should be on the report

My my credit card XXXX it's not showing up on all XXXX credit bureaus it's only showing up on XXXX and I have tried on numerous occasions I talked to both the Creditor and both Equifax and XXXX and they keep giving me the runaround XXXX is telling me to contact the Creditor and XXXX is telling me to contact the credit bureau I have tried on numerous occasions to get this to show on my credit report and I need this resolved now it's been past 60 days since XX/XX/XXXX ... .. this is unacceptable and all I need for them to do is put it on my credit report just like XXXX ..... I have XXXX statements to show proof because each statement it gets reported to the credit bureaus.
Complaint sub-issue: Account information incorrect

I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the XXXX  XXXX XXXX account of my credit report.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Debt is not yours

I am a federally protected consumer and Flagship Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Complaint sub-issue: Frequent or repeated calls

Someone named " XXXX XXXX '' was calling my cell phone repeatedly. She then began to call my office phone repeatedly. She was harassing me, threatening to sue me, to call my payroll department, and cornered me into giving her a payment arrangement I knew I could not make. I explained to her I am a single mom, sole provider to my XXXX sons and she said I do not have a hardship. " More money more problems '' is what she said. She called me repeatedly since XXXX 2017. She called from various phone numbers. The original loan was from XXXX, who sold the debt to This company. This lady did n't tell me the name of their company. I only know it to be " XXXX '' as that is what shows up on my bank statement.
Complaint sub-issue: Account information incorrect

My student loan accounts ( 10 of them ) by FedLoan reports 4 months of late payments which my account was ( and still is ) in Forbearance during those months. Account has been in forbearance since XXXX XXXX XX/XX/2020. NO LATE PAYMENTS Should be reported. During those dates. 
I had tried disputing it through all 3 credit bureaus as well as With the creditor ( FedLoan ). They incorrectly updated by credit report to show that my forbearance will start XX/XX/2020. This is incorrect. When I called FedLoan they said I could not speak to anyone in any department to correct this issue. 

4 months of late payment on 10 Student loan accounts =40 negative hits on my credit score.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX/XXXX  and on XXXX XXXX, 2019, CREDCO add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Reporting company used your report improperly

Lexus nexus is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.
Complaint sub-issue: Information belongs to someone else

All 3 credit bureaus are in violation of reporting inaccurate information on my credit before i file a lawsuit i am requesting removal of this item that do not belong to me and i have a letter from the creditor stating i do not have a account with them. Company is XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

a salesman from XXXX sold me a phone saying it was better and cheaper than my XXXX, said try it and if you do n't like it just send it back within 10 days to void your contract, i said OK and drove to my cabin in XXXX for a weekend and the phone had no service.so Monday morning ( 3days ) i sent the phone back XXXX ( insured ). billed 90 days later!!!!! and call XXXX and tell them the same thing ( give them all u.p.s.info ) ... 3 times, and 3 times said they would resolve it ... .now im in collections ( XXXX ) for a phone i never could use .... how is this possible? there just taking advantage of people.not fair ... ... .... : (
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My identity has been compromised, and the credit reporting agencies is not making it any better. I'm still dealing with the damage of losing my ID. I would really appreciate if the following inquiries were removed from my credit report. I have no knowledge of these inquires whatsoever. ( 1 ) XXXX XXXX - XX/XX/XXXX, ( 2 ) XXXX XXXX-XX/XX/XXXX, ( 3 ) XXXX- XX/XX/XXXX, ( 4 ) XXXX- XX/XX/XXXX, ( 5 ) XXXX XXXX XXXX -XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Was Joint Account holder on an auto loan at XXXX XXXX XXXX from XX/XX/XXXX until account paid in full XX/XX/XXXX. Although the Credit Reporting company lists the loan correctly on my report, it continues to fail to properly note it on all XXXX  and other aggregate scoring ratings. The company 's failure to factor in this loan is listed as two adverse key factors with the notations " Lack of recent installment loan information '' and 'Length of time accounts have been established ''. 
The company also has an additional incorrect adverse factor of 'Too few accounts currently paid as agreed ' in that there are NO accounts with late or slow pay. All accounts have been paid as agreed for the length of the reporting period and all paid in full in XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. 
I feel like I am being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. 
it has been over 60 days so they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you cause me. 
my information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Complaint sub-issue: Their investigation did not fix an error on your report

I have send to Equifax,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.
Complaint sub-issue: Account information incorrect

My student loans have been in deferment/forbearance since before COVID PANDEMIC. I verified that it should not have been reporting as pass due. This is destroying my credit rating and preventing me from living a peaceful life. Please correct. XXXX is showing past due please correct and repair the damage to my profiles. 

Time XXXX XXXX
Complaint sub-issue: Account status

XXXX XXXX cancelled my credit card due to " number of accounts with delinquency '' : I had XXXX 30 day late due to failure to receive a statement. Account was paid off and closed. " Too many inquiries in the last XXXX months '' : there was only XXXX inquiry, from the company I had not received a statement from.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, 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 my account without written instructions.
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report.
Complaint sub-issue: Information is missing that should be on the report

I downloaded the certified letter that I sent to XXXX XXXX which explains in detail what I'm disputing. Briefly, I bought ~$40 worth of items from XXXX XXXX in XX/XX/XXXX and used my XXXX   card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX andXX/XX/XXXXstatements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!
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.

Account name # ( 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 an 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: Their investigation did not fix an error on your report

I was a victim of identity theft and notified bureau and also send documentation to one creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past 8 mths
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : XXXX  XXXX XXXX  XXXX
Complaint sub-issue: Non-sufficient funds and associated fees

Reference # XXXX I own a Media Production company called XXXX XXXX XXXX  and XXXX XX/XX/XXXX my company was contracted to do a project with an artist/visionary represented by a major media corporation. The job required that I sign an XXXX to not disclose anything about this project, and part what was in the XXXX was the long hours and dates of commitment and the requirement to turn in your phone and apple watch when you are on set. 
First day of Production was XX/XX/2022 so since then I was out of commission and out of reach for the most part, however we will get a day or hours of break here and there. Upon what I thought was my first one week long break from the production on XX/XX/2022 I checked my bank account and saw series of transactions that I did not do or authorized, I called the bank to have my card cancelled and initiate a dispute/fraud alert, upon spending over an hour on the phone going over the fraudulent transactions with the bank representative I was speaking with, she told me that her attempt to submit the transaction for dispute failed because their system was down, she told me to call back at later time and have the dispute put through, she also told me that whenever I call that the transaction is already recorded and I wouldn't have to go through the ordeal of identifying them, she also went ahead and cancelled my card and issued a new one. The next day I called them and I couldn't get through and that same day I had a SOS from the people I was working for requesting that me and my team report back the same day for some work related emergencies. I went back to work and two weeks later we finally have our first week of break and on XX/XX/2022 I spoke with several of the bank representatives, some who hang up on me or perhaps a drop call and finally was able to get one who was patient enough to submit the the claim while I went through the ordeal of identifying the transactions as all the Bank representatives I spoke to before him on the same day and even the one that finally took the claim said that they do not see any note regarding calling about this same issue on XXXX/XXXX/2022, and few days after having this case finally filed I received a letter dated XX/XX/2022 saying that I am responsible for this charges. First of all, what sort of investigation takes one day? I saw this letter two days ago and upon reading it my XXXX XXXX went up, I've suffered a XXXX in the past so I have to let me calm down before i could respond to it as my body and mind was going through the trauma response of this letter and for the past two nights I haven't been able to sleep.
Complaint sub-issue: Debt is not mine

DID NOT RECIVE ANY SERVICE FROM THIS COMPANY. I WAS LIVING IN SHELTER AT THAT TIME.