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

On XX/XX/2022 at XXXX, I contacted the National Recovery Agency via phone at : XXXX, after reviewing my credit report and seeing their company listed a Creditor of a collections account for {$500.00}. However, when I called them to get additional information that they could provide about the account, the gentleman who answered the phone was very rude and unprofessional and began to talk over me and did not allow me to ask questions. After a few minutes of asking questions, he then stated he was on a recorded line. When I also advised him that I was recording the call for my protection, he immediately hung up the phone. I immediately called back and a female by the name of " XXXX '' answered and asked if I was XXXX and if I lived in XXXX XXXX, XXXX After I answered and asked if she could give me additional information on the account, she rudely replied, " That's why he hung up on you '' and she hung up the phone as well. When I called back again the same gentleman who I first spoke to answered again and proceeded to hang up the phone yet again. I then called to XXXX and spoke to the representative who stated this company had provided a response for the dispute and verified everything was accurate. When I asked the representative at XXXX to explain their process of verification, she stated they verify with the creditors if the information was correct. I felt this is NOT a fair investigation because of course the CREDITOR will always say it's accurate. These are unacceptable practices by the Credit Bureaus as well as the creditors. They also failed to provide me with any information to verify the medical bill such as a copy of the bill with the date and time that I was supposedly seen at the hospital for verification purposes. I am certain that bill does not belong to me, due to the fact that I have not gone to the ER for ANYTHING within the last seven to eight years. And when I contacted XXXX XXXX XXXX XXXX, phone number : XXXX, the only hospital that I have ever been a patient, they had NO information of me having a collections account or outstanding bill. And when I tried to contact the original creditor XXXX  XXXX XXXX XXXX, they are no longer in business. There should be more protection for consumers. These companies are often times rude and disrespectful. And use scare tactics to bully and threaten consumers into paying for things they do not owe. This is unacceptable and unethical.
Complaint sub-issue: Debt is not yours

Collection account from AFNI, INC ( Original creditor - XXXX XXXX XXXX XXXX ) added to my credit report in the amount of {$370.00} on XX/XX/2020. 

I have not been an XXXX XXXX XXXX XXXX customer for the past 8 years and have no knowledge of any remaining balance owed. This is the first time Ive ever heard of such claim. 

I have never heard of such company called AFNI, INC Please remove collection from my credit report.
Complaint sub-issue: Account status incorrect

Do not finance with Regional Acceptance they will ruin your credit and trap you in a loan agreement where you are not able to reason trade if you are upside down this loan company is terrible.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a bum. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my children. PLEASE HELP ME PLEASE im XXXX now.
Complaint sub-issue: Received bad information about your loan

Please see prior filed complaint which was not satisfactory addressed.

1. How do I made the payment of XXXX  $ mentioned in the response?

2. The count is still incorrect. Loan sequence 1-2 should have a qualifying date of XX/XX/XXXX ( even with your logic re consolidated ).

3. The remainder of the loans should all have the same number of qualifying payments as they were all paid together and on automatic payment, with a qualifying date of XX/XX/XXXX ( at latest ).

4. Please review and submit payment overrides for months that bills were not appropriately sent and therefore payments were not counted.

5. Please recount my number of qualifying payments.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

XXXX XXXX - XXXX 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 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 12 CFR 1022.82 ( c ) ( 2 ) ( ii ) ) - A user must develop and implement reasonable policies and procedures designed to enable the user to form a reasonable belief that a consumer report relates to the consumer about whom it has requested the report when the user receives a notice of address discrepancy. 


XXXX XXXX is reporting to the bureaus an inaccurate address, after numerous submissions of verification documents that confirm the information they are reporting regarding my identity and ownership of the account to be false. The bureaus refuse to abide by the laws set to protect me from occurrences like these.
Complaint sub-issue: Frequent or repeated calls

Calls all day long at my job. I am not able to accept phone calls at my job. They call and leave messages daily.
Complaint sub-issue: Reporting company used your report improperly

I disputed a bankruptcy with Equifax requesting information on how they verify the information for a bankruptcy on my credit report. The investigation came back from a XXXX party vendor and not the original part which is required by the FDCPA this is a huge violation and not accurate. When requesting validation they are suppose to provide original documents from a unauthorized source that does not have authorization to provide any personal information. I have contacted the bankruptcy court that has sent me a email they do not report the credit bureaus. I am requesting this information deleted from my credit report immediately. I have no account with XXXX XXXX nor do they have any permission to verify any information that may pertain to me. Equifax can not verify accuracy from a 3rd party vendor .I demand this removed within 10 days of receive this
Complaint sub-issue: Transaction was not authorized

Via XXXX, my bank account has been debited by {$50.00} per month for approximately 34 months. I was able to ascertain that XXXX has been charging for an organization called XXXX XXXX, which is a political organization focused on defeating XXXX XXXX of Kentucky. I have written to the email address provided by XXXX which is XXXX to contest the debits and have received no response from XXXX. 
There is no other contact information for XXXX XXXX, but their executive director is named XXXX XXXX. They are registered as a political fund with implications/supervision under the FEC. XXXX says they can only refund {$150.00} of the unauthorized charges but they are not providing further contact information from the organization they say the funds are being sent to. 

XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX
Complaint sub-issue: Account information incorrect

I am Filing a complaint against Equifax, Equifax is reporting in accurate information on my credit report for XXXX that is not my bill this car was total lost and the car dealership is still reporting that I have the car the insurance company has paid them in full and this is affecting my credit score this case was bet in court I own them {$0.00} dollar on this car loan
Complaint sub-issue: Can't get flexible payment options

Allied Interstate LLC continues to relentlessly call and harass me and my friends with verbal violence and abusive treatments. This includes manipulation attempts to garner private, secure information about our identity, but at the same time refusing to properly identify themselves and who they are. In addition, they allege unauthorized student loan amounts owed to them that seem to change with each subsequent phone call. 
In addition, despite us having told them that they have the wrong number and despite having requested for this company to cease their calling and harrassment, Allied Interstate LLC refused to stop. In addition, the callers make up lies and attempt to gaslight unsuspecting individual consumers into giving out their credit card information over the phone, without really knowing who this company is. This company has already been in trouble with the Federal Trace Commission and has been involved in a XXXX $ XXXX lawsuit with the FTC. So there 's that.
Complaint sub-issue: Frequent or repeated calls

Conn 's Home Plus calls beginning the XXXX hour ( XXXX, XXXX, XXXX ) and continue at varying times throughout the day including twice in one hour ( XXXX and XXXX ). This practice has always been theirs. 

The call from yesterday, XX/XX/2017, the gentleman I was speaking to I told representative that I needed to get off the phone because of increased traffic. However, he proceeded to need to verify my account information ( which had already been updated based on my online account profile ) and need to update phone numbers ( which have not changed ). He would not let me finish and get off the phone. It was upsetting.
Complaint sub-issue: Problem with fees

I paid off my Macy 's credit card on XX/XX/2020 with Hana at XXXX. At that time, I asked for my account to be closed. XXXX assured me that it would be closed and even told me I could never open another Macy 's account again. 

On or around XX/XX/2020 I received a statement in the mail with the closing date of XX/XX/2020 and a balance of {$2.00}. This is their minimum fee for having the card. I called to see why I was charged on an account that was closed. The automated system said my account was closed, but that I had a balance of {$2.00}. I waited to speak with XXXX at XXXX and I received a very run-around answer and said they would be able to waive my interest fee. He then said after 72 hours the balance shouldn't show anymore and that I shouldn't receive any more statements. 

This creditor is famous for charging this fee, then tacking on a late payment fee for not paying the {$2.00}. Ridiculous. It seems highly illegal to charge anything on someone's account that is closed.
Complaint sub-issue: Confusing or misleading advertising

Sallie Mae is a Scam the ask for many cosigners and all your information to denied and the interest rate is fraudulent they offer 1.25 % and you have 25 % charge in the account Is SCAM and they get all your and cosigner personal information fraudulent
Complaint sub-issue: Problem accessing account

I opened an interest checking and savings account with Citi bank online. I have a credit card with them and a closed checking account. I had to wait until I got the debit card to register my account online. When I did, I was told that I had to call. 
I called and was on the phone for an hour, literally, and talked to FIVE different people. At first they said my account was blocked but then they said it was unblocked and that I should wait 24 hrs to try to register. I didn't trust them so I waited longer. Got the same message to call and I did and they said it was STILL blocked and that I had to send them additional documentation ( different documentation than they requested the first time AND there was no mention of these documents in the welcome packet they provided which did say that there may be additional documents to be sent in but there was no docs listed ). 
I called again and talked to two different people who said that there was still a block and that they'd send a docusign link in 24 to 48 hours. 
They were able to take my {$1500.00} out of my other accounts immediately but they can't give it back and have now blocked my access to my money.
Complaint sub-issue: Information belongs to someone else

During XXXX XXXX XX/XX/2021 I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to XXXX  XXXX XXXX regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. Discover informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted XXXX to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.
Complaint sub-issue: Application denied

on XX/XX/2021 i got a letter in the mail at my residence instead of going thorough my proper safe at home address. so im reporting discover to wi doj for that already. secondly some attempted to contact discovers and fraudulently steal my identity and open a credit card in my name now due to the facet i had a credit freeze and fraud alert in place. it was denied and discover notified me by letter. but i want the to no i never applied for a credit card to begin with. who ever tried to applied was not me.
Complaint sub-issue: Reinserted previously deleted info

Equifax have reinserted previous deleted information that was deleted for more than a year back to my credit report. Also the refuse to grant me use or access to my credit report.
Complaint sub-issue: Account status incorrect

Dear Sir or Madame, I have made multiple complaints with XXXX and both Equifax to report a company called XXXX XXXX reporting incorrect fraudulent information on my credit report For the last six years XXXX XXXX has been reporting inaccurate to the credit bureaus. Which has affected my credit. XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. XXXX and Equifax are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. This has really impacted me to use my VA benefits.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my personal credit report, which I acquired fromXXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX/XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Complaint sub-issue: Company closed your account

I received an email from Citi Card stating my account had been closed and to login to see the secure message. The message read that the account had a {$0.00} balance and is " inactive ''. I received NO correspondence before this closure. I did NOT request or give Citi Card permission/consent to close the credit card. The credit card was my first credit card and my oldest tradeline with the credit reporting agencies. Therefore, the closure of this credit card will have a negative impact on my credit score. I called Citi Card 's customer service to ask why the credit card was closed without my consent or  knowledge. The customer service rep stated it was a " policy '' to close credit cards after inactivity. I asked for that " policy '' in writing on their Cardmember Agreement. It is NOT written in their agreement. I was transferred to a service manager, XXXX in Kentucky ( she was very sweet and kind ), and she stated that it is a " general policy '' that Citi Card closes inactive accounts without consent or knowledge. She referred to this line in their Cardmember Agreement " We may close or suspend your account if any of the events listed above occur, or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law ''. I asked for the law and written policy that this line refers to, and she could not provide it. However, she could reopen the account, but she would have to pull my credit report and could not guarantee the reopened account would revert back to original opening date and history. Again, this would damage my credit report. I feel that Citi Card saw this COVID-19 pandemic as a threat to their credit card portfolio/bottom line and closed " inactive '' accounts to keep customers from using them in their hardships.
Complaint sub-issue: Information belongs to someone else

These accounts were taken off my XXXX credit report and now I see they have been reinserted without validated. XXXX has not verified these accounts nor have they responded to my request for method of verification form that I sent for XXXX to fill out. XXXX XXXX debt and XXXX XXXX XXXX  have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from these accounts that are not mine. XXXX XXXX is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of a social security number do not verify nor validate a consumers information. I will send a letter to the CEO of XXXX if this matter is not fixed immediately. I am in the process of filing a lawsuit against XXXX. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.
Complaint sub-issue: Account information incorrect

Reporting a balance on multiple charge off/ closed accounts which is a violation of 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 )
Complaint sub-issue: Was not notified of investigation status or results

I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 62 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Problem with convenience check

I made a deposit into my checking with a convenience check. The company, Citicard, rejected the transfer via email. They transferred the money in spite of notifying me of the transfer being rejected. 
I contacted Citi card and was told they would reverse the transfer and the transfer fee, Citi card never did reverse the transfer. 
Citi card denies me access the my account on line and customer service will not talk with me. They say I need a password to access my account. I have given them the password previously and discussed the account but now I am told the password is incorrect and customer service will not discuss the account. 
When the transfer was rejected, the contract accessing the convenience check was voided. 
I want the transfer reversed as well as the transfer fee. I want nothing further to do with Citi Card or Citi Bank.
Complaint sub-issue: Information belongs to someone else

Your failure to maintain reasonable procedures is disheartening and discriminatory. I have provided material information in the form of an identity theft report. I am asking to be treated fairly. I provided written instructions about my credit report. Again I am requesting deletion of erroneous, inaccurate accounts that were the result of identity theft. I am aware you are required to adhere to rules when it comes to identity theft and your refusal has caused me financial harm, risk, XXXX, marital issues, and undue stress. I also am aware that XXXX  is required to send the results of its investigation. In case you didn't receive them I have enclosed the results as an attachment