Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

This account is not mine and I have already provided information to the credit bureaus in regards to this account. I have provided as much information that I have and the creditor has been given ample time to investigate. The request for more information that was already given is a delay tactic and I demand this be removed from my report. This fraudulent account is keeping me from being able to buy a home and causing mental and emotional harm. There is no account information as I never had an account with this company. i am left no choice but to take legal action if this account is not removed from my report. A request for information that was already sent via certified mail is not verification or validation of debt. 

Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX XXXX from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried mailing supporting documentation and uploading online but continue you to have issues.
Complaint sub-issue: Didn't receive terms that were advertised

I opened my account during a promotion to receive {$200.00} for establishing an account and setting up direct deposit of {$1000.00} within 60 days. I opened the account XX/XX/XXXX the last day of said promotion. I met the terms by XX/XX/XXXX. I waited the requisite 60 days from meeting the terms to contact the bank, I called in several times over the course of 2 weeks and never heard anything back. Eventually after  having to go into the actual branch and having people tell me that they would contact their promotions team and get back to me another and not hearing from anyone their response was that the agent who opened the account did not attach the promotion and it has expired so they would not be giving me the bonus. This is unacceptable as I opened the account within the designated time frame and met all the conditions, this was a mistake on the part of U.S. Bank and their employees and therefore needs to be corrected by them otherwise it is false advertising.
Complaint sub-issue: Account status incorrect

In 2014 I opened a XXXXXXXX XXXX  XXXX Mastercard. It went over the limit at the same time as several simultaneous severe impacts on my financial status. ie/ bankruptcy of XXXX XXXX , theft of my wallet and all associated cards and ID, fraud in the markets which held my investments, those stresses leading to divorce with half of the assets ending up with lawyers, loss of my home and all hard assets, loss of income and soft assets, etc ). 

As a result, I could not cover all of my very extensive and perfect 40-year credit records. 

I sold everything and paid off the major debts and was left with several small and seemingly insignificant ones and was put on the streets with a bag of clothing. 

That was MY mistake. I should have paid off the multiple small ones and left the large one since credit status is insanely treated on HOW MANY creditors there are NOT how MUCH credit is affected. 

The XXXX ( XXXXXXXX XXXX XXXXXXXX ) card was one of the unpaid ones. The account was closed, XXXX collected their insurance, the account was sold to a collections agency for likely {$0.00} on the dollar. That was reported as account closed and sold to Equifax and XXXX  BUT for the last 5 yrs, XXXX  reports the credit file EVERY SINGLE MONTH. This was also reported to the Credit Bureaus AND XXXX who still keep reporting the failed credit. Also, note that the card was opened and the debt incurred in XXXX which I understand to have a 3-year limit to collect or take to court after which the credit is extinguished and should be reported as such to the credit reporting agencies.

There are multiple errors and multiple failings, Also note that under XXXXXXXX XXXX  Consumer Protection Act ( where I now reside ), debt claimed which is not actually owed or is not reported to the client monthly requires that the credit granter pay the client TWICE the amount incorrectly claimed to be outstanding. 
All this was reported to both the collection agency AND XXXX  in a conference call and they promised ( as required by law ) to provide a detailed history and statement of the account. They have failed to do so and continue to file incorrect claims to XXXX  and Equifax AND the bureaus blindly accept obviously incorrect filings.

1 ) The credit bureau filings are corrected not only currently to date but retroactively to the date that the account was closed ( as reported NOT as claimed ) and transferred to the collection agency. 
2 ) The Consumer Protection act insists that monthly statements of debt and interest be provided. No such statements have ever been received from either XXXXXXXX XXXX XXXX nor the collection agency. Again, if that happens ( under the law ) the debt is extinguished. 
3 ) That Mr. XXXX is paid twice the claimed debt by XXXXXXXX XXXX XXXX as required by law as well as equivalent compensations from the collection agencies, XXXX and Equifax. 
4 ) That XXXX/XXXX/XXXX XXXX XXXX corrects similar failings on all accounts for all individuals affected ( ie/ class action ).
Complaint sub-issue: Charged too much interest

I just found out my XXXX XXXX is charging interest in a very crooked and unusual way using average balance calculations. I try to pay as much of the statement balance off as I can each month to avoid excessive interest. But, it does n't matter how much I pay, they charge interest based on some spurious average daily balance. I just noticed this on my XXXX statement, but has been happening all along. For example my XXXX statement has a prior balance of {$6200.00}. I made an ontime {$5000.00} payment. All other credit cards would have charged interest on the remaining balance of {$1200.00}. This card charged interest on a balance of {$7600.00}. This just feels very crooked to me. When I called them they said in order to avoid interest, the total balance must be paid off each and every month in full. If the balance is not paid in full they will charge based on the highest balance in the prior month, not the statement balance and not the statement balance minus any payments or credits. I do n't know if this is a legal practice, because it feels very crooked. I have attached XXXX 's statement for your review. This has been going on for a long time, I only just now notice.
Complaint sub-issue: Frequent or repeated calls

I receive a call daily from XXXX XXXX XXXX. They are calling me at work, and can not have personal calls at work, do not answer calls that come in from XXXX 's number.
Complaint sub-issue: Account terms

I pulled a copy of my credit report on XXXX/XXXX/2016 and the address listed for XXXX XXXX XXXX, was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. This address is incorrect ( I sent a certified letter to that address and it was returned to me " Not deliverable as addressed '' ). I sent this information to the Credit Bureau and asked for removal of this account from my credit report due to inaccurate information. On XXXX/XXXX/2016 I pulled my credit report again and the Credit Bureau did not delete this from my credit file, they only changed the address.
Complaint sub-issue: Account information incorrect

Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial hardship.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XX/XX/1991 XXXX XXXX, XXXX, equifax To whom it may concern XXXX XXXX XXXX XXXX XXXXXXXX Is reporting on my credit report and it is not my card or in my name card holder name is XXXX XXXX XXXX which i am not. Please remove this account from my credit report. 

Thank you XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then submitted a police report about my identity theft, dating back to  XX/XX/XXXX of when the police report was filed. 
Since then Equifax, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still  unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my Equifax, XXXX, and XXXX  Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on Equifax, XXXX, and/or XXXX  can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 us rept 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 n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

I am very unhappy right now as my personal information was tamper with. I do n't understand as a company with this magnitude could allow something like this to happen. You put your trust in a company that is suppose to be secure and make sure all your information is kept private and it has been comprise. I want to know how you guys will fix this matter. I am really angry right now as to know that some where out there someone have my information and can using it. I have already been a victim of identify fraud. Why did it take you guys six weeks to notify myself and other consumers of this security breach, this is wrong. You guys know this is not acceptable coming from this company. This is wrong! wrong! wrong! Shame! Shame Shame! I see that your executives was able to sell their share to protect their money shame you guys. I will pray hard for you guys and contact my lawyer.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I had purchased off the XXXX site a what I thought was a XXXX case - XXXX XXXX XXXX. The guy that store it was under on there was a XXXX who ironically his store is now gone and so is his email but I have this lady billing me XXXX and she sent me a plastic case with a slapped on decal of the XXXX XXXX logo - nothing like the pics. Probably why they got shut down on XXXX. 

My problem with citi  is for two days now you cant dispute your purchase online it says were experiencing some temporary delays, please try back later. 
If you call them it hangs up on you automatically and says the lines are too busy. 

Listen Ive quarantined and working from home since XX/XX/XXXX and we work well still even with a limited staff. 

They send out emails saying they rather have you obviously do things through their app and then their app doesnt work and their phones are programmed to automatically hang up due to their call volume so you cant get anything done/rectified I want them to credit the charge XXXX XXXX posted on XX/XX/XXXX and the amount is XXXX and tell her to stop sending fakes out. I dont have an address to send this fake back to and Im not paying to ship it back so youll have to deal with how this fraud wants to proceed.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted LexisNexis and requested my entire personal profile history. I for sometime had been getting wrong identity questions and answers on my identity checks and XX/XX/XXXX was finally able to track down that it was LexisNexis the incorrect info was coming. I received the report XXXX. I took time and reviewed and made a list and contacted LexisNexis by phone on XX/XX/XXXX and took an hour to detail each incorrect name, incorrect addresses that never belonged to me and were never published on my 3 credit bureaurs- they all belong to people I'm not related and don't know- I was told these should not be on my report by LexisNexis representative on XX/XX/XXXX. On XX/XX/XXXX phone call I was told I would get a letter in XXXX days with the information removed. It is now XX/XX/XXXX, and I called on XX/XX/XXXX and today on XX/XX/XXXX and they said there is STILL no results from the investigation. on XX/XX/XXXX they said they would ask for someone to complete it and get back to me in 2 business days. It has been over a week, and they said today on XXXX that still no one has reviewed or made a determination. This causes great difficulty because the incorrect info comes up in 3 of the 4 questions they ask, almost every time I have to use the identity questions to verify myself.
Complaint sub-issue: Unexpected increase in interest rate

I've received CFPB paperwork in regards to this complaint with # XXXX. 
Many years ago I opened a credit card account with Sears. And then I realized that it's no longer Sears but rather Citi Bank Master Card. Therefore the card was taken over by Citi Bank without my knowledge or agreement and the new higher interest rate was imposed. I did reach out to Citi Bank and asked them to clear the situation and I specifically refused to have anything to do with Citi Bank and all XXXX credit cards that they issued on my name without my knowledge but it was never resolved.
Complaint sub-issue: Problem during payment process

An electronic bill payment was made on XXXX in the amount of {$290.00} to Ollo Card, account ending XXXX. It is now, XXXX  account does not reflect this amount in available credit, appears to be a hold on it. The same situation occurred with a prior e-bill payment, held for several days before released, a CFPB complaint was filed regarding that payment as well ... In regard to that complaint, Ollo Card rep chose to reach out AFTER reply to CFPB, in which case, call not accepted.. Had Ollo rep reached out BEFORE replying to CFPB, matter might have been resolved, unfortunately, rep chose to reach out after replying to CFPB as stated prior.. Should same situation occur this time around, call will not be accepted.. Due to prior returned ACH payments, Ollo is now holding any and all payments, including e-bill pay, which sent directly to Ollo, nothing to clear as the funds are sent directly... Please note, I've attempted to explain this to Ollo reps including a supervisor, unable to get hold lifted.
Complaint sub-issue: Investigation took more than 30 days

Did not verify the mod of verification.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX has allowed someone to open a debt in my name that does not belong to me. I have submitted all documents to all companies and the credit bureaus. the companies has also forwarded the documents to XXXX XXXX XXXX. I have called XXXX XXXX XXXX and spoken with them personally to verify that they know this is a fraudulent account. XXXX XXXX XXXX continues to resell this account to different collection agencies to have them report this debt to my credit. they have had this debt re reported 3 times wile changing the amounts of the amount owed so that the credit bureaus will re-report. This is against the FCRA rules and i made XXXX XXXX XXXX aware of this and they still have this account re reported
Complaint sub-issue: Problem getting your free annual credit report

I actually would love it if we were able to select more than one option on the question what problem are we having. I have several 1 ) Equifax incident was in 2019, i filed all requested and required documents to be reimbursed as per the instructions. I have yet to get any kind of response on that. No reimbursement, no identity security, not a call or a letter back nothing 2 ) it took me several attempts over the course of two months accumulating 7-10 hours on the phone to get through their faulty phone system, sit on several different periods of random holding for extremely lengthy periods, to finally reach a human to unlock my account on their site because they stated I answered the questions wrong. After I finally gained access I began the long uphill battle to try and correct my report on Equifax because it is beyond screwed up. Still not done with this process.

3 ( tried to request my free credit report, and was again locked out of their site and my account because they said I answered questions wrong but their identity verification questions included accounts I never had! How can I compare and correct my report if they keep locking me out and making it impossible for me to see all the details?

This process and system have become unacceptably inconvenient and frustrating, not to mention it's all because they crowned themselves big brother which essentially makes them the biggest scariest most invasive stalkers of all time. How is these business or practices they " instituted to keep citizens safe '' be legal when they are the reason hackers are targeting our info to begin with. They made up their service way back when they convinced a few key monety lenders and banks that they knew everything about everyone and it was just silently accepted as fact. They aren ; t the government they have no legal powers they NEVER asked for my permission to collect personal and sensitive information about me yet I am not allowed to remove myself from their databanks??? how fair is that? how can that be legal?

So again, for the third time this year, since they the all powerful credit watchers have the WRONG information, and apparently can ; t be bothered to hire enough people, or invest in quality management of any kind, I have been locked out of my account again, and have to go through the circus of trying to get a breathing human on the line to help me since you can't unlock it yourself or request a reset even. This company has cost me way too many hours of my life already I demand change and resolution
Complaint sub-issue: Received bad information about your loan

Here we go again!!! I am still trying to fix the debacle that is my student loan. I have called and called and called and just get the runaround. I feel like my student loan is a complete and utter fraud and the student loan servicer is running a scam. 

My student loans are a disaster. The government garnished my income tax refund even though I'd been paying on my loans. I was assigned an ombudsman that was able to figure out the level of deceit these companies are willing to go through. The ombudsman discovered my consolidated student loans were unconsolidated and sent to separate servicers without my knowledge or consent. 

In trying to understand what's going on and why my fees are so high I called XXXX   XXXX and they just XXXX with me. I'm going through the exact same thing as before where everyone I talk to sends me to talk to someone else so I'm stuck in this vicious, expensive, circle of XXXX. 

When I talk to them they just say they don't understand what's going on and 'oops, we can't find any of your loan information before XXXX ''!!!!!!!! Ummmmm .... I graduated in XXXX. The way they have it calculated, my approximately $ 50K worth of loans with cost me somewhere around $ 180K. 

So - they can XXXX up my loans, lose my loans, not give me information about my loans, but still charge me interest? They also set me up on some graduated payment which means my $ XXXX/month loan will go up by {$200.00} next year!!!!! XXXX? I am already dying trying to pay $ XXXX/month. How am I possibly going to come up with $ XXXX/month?!!!!! 

This is sheer lunacy and is financial XXXX. I can not believe XXXX XXXX has no responsibility to be able to look at my records and truthfully, tell me my options. 

Servicing has been inconsistent, funds were misappropriately applied, I have been repeatedly lied to, information has been obscured, I have been deceived, my credit has been affected and I feel their behavior has been illegal. 

Someone needs to stop them or sue them like they sued XXXX. 
https : //www.consumerfinance.gov/XXXX Please help me figure this out. This is ridiculous.