Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to sue you for very old debt

Received a call from a call center to inform me to call a different number because a civil litigation was about to filed against me. They gave me a reference #. They claimed to be with XXXX XXXX XXXX, they also called me by my maiden name that was changed 13 years ago, so I knew it was for something old. I XXXX the attorney and called. Per the lady I spoke to she had been getting similar calls to her office and that it was most likely a scam. Received another call about a week later. I called the XXXX # that he gave me this time and they claim I need to pay an outstanding debt from over 15 years ago and due to a tolling agreement they can still file suit. They claim to have sent me a demand letter in XXXX. I asked them to email it. The email I received claims I owe a bank for overdraft fees over {$2100.00}. The letter appears to be very generic. Claiming to file a suit against me if I dont pay in full in 30 days. No way this debt is valid, it was never on my credit report and {$2100.00} in overdraft fees is just crazy.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$8700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have submitted a dispute in  XXXX     2016 about  the judgement on my credit report for {$1100.00}. I submitted this request to Equifax. I have recently disputed this on my credit report once again to no avail. The judgement was against my husband and my name was on the lease as well. The debt was discharged in bankruptcy. Therefore we no longer owe this debt.
Complaint sub-issue: Attempted to collect wrong amount

In the year 2019 I had this company open a report stating I owed them XXXX and some change. My credit was rising but when they jumped on my credit since 2019 they have tore my credit down for something that is not my legal responsibility. If this does not get them off my credit my next step will be to hire an attorney. This has been affecting me for 3 years now cost me from buying me n my kids a home
Complaint sub-issue: Deposits and withdrawals

I recently went to use my debit card to pick up a prescription. ( Last Friday evening ) Although I had sufficient funds in the account, my debit card was being blocked. Luckily, my US Bank debit card was not my only source of funds so I was not left stranded without my prescription. When I called their 800 #, they proceeded to tell me that they had sent a new 'chip card ' back in XXXX, which I never received, and since I did not activate it they 'turned my debit card off '. I asked them to turn it back on since I never received this new card and they made no attempt at all to ascertain whether or not they even sent it to the correct address before they decided to deny me access to my funds. I have banked with US Bank for decades, they have my phone number and never attempted to call or text. They also have my home address and email, which they regularly send me emails so it would n't have been that big of a deal to at least make 'one ' attempt to contact me before denying access to my money. Now they offered to send a new one, but it will take about a week and they refused to overnight the new one. My only option was to go into a branch for a temp card. Now keep in mind it is Friday evening, they are closed and I had to work the next day. I went to the closest branch on Saturday during my lunch break, it was about XXXX, they close at noon! So, I now have been without access to my money for 3 days because of their procedures, and probably wo n't be able to get to a branch until Wednesday. I feel that this policy/practice of theirs is a clear violation of UDAAP. Can you imagine if I had been on a business trip, which I often have to drive from XXXX XXXX to AZ, and I did n't have anything but my debit card? I would be stranded at some gas station in the desert! What if I was an elderly customer on limited income and had to pay for some sort of transportation assistance only to find that the bank was closed? What if I had a serious medical condition and needed that medicine right then but was told no wait until next week. I could totally understand them turning off my card if they had made ANY ATTEMPT to contact me to verify if the card was missing or if I just forgot to activate it, but they did n't.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX  XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Complaint sub-issue: Company closed your account

on XX/XX/XXXX, I received an email from Discover Bank that was state that their system detected unusual activity on my accounts. For security purposes, they suspended access to both of my saving and checking accounts. The email also provided me to call, XXXX or XXXX. When I immediately called XXXX, it took me to a automatic message that telling me that the bank officially decided to permanently close all of my accounts and no further explanations will be provided due of their " business decision ''. 
I tried XXXX and it took me nearly 3 hours to reach " bank specialist '' and yet they couldn't explain to me why my accounts were frozen and furthermore state that it will take 60 days from my last deposit to receive my {$7000.00}. I've been calling them weekly to keep up with my accounts status. However, each time I call them, I would get different answers. When I called them back on XX/XX/XXXX, the person on the phone told me it would most likely take longer than 60 days to get my money back. And she wasn't sure that when will my accounts will be officially close. This doesn't make any sense to me. because when I called them on XX/XX/XXXX, the specialist ( a different person ) told me that my accounts are closed and will get my funds back around in beginning XXXX. 
I have never had these kind of issues with my local bank. The fact that Discover bank couldn't provide me any explanation regrading closure with my accounts sounds very fraudulent. And I am afraid that I would not get my money back. All of my emergency funds were in there and I am behind with my bills. I believe that Discover bank is dishonest and operating on bad faiths.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting an account to all XXXX credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the XXXX credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting XXXX different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting XXXX different high credit amounts {$7000.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the XXXX that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Complaint sub-issue: Received bad information about your loan

In XXXX of XXXX, I reviewed the new waiver for the XXXX XXXX XXXX XXXX program. Part of this new waiver stated the following : " If you have XXXX XXXX XXXX XXXX ( XXXX ) Program loans, Federal XXXX Loans, or other types of federal student loans that are not Direct Loans ( e.g., those from older loan programs, such as Federally Insured Student Loans [ FISL ] or National Defense Student Loans [ NDSL ] ), you must consolidate those loans into the Direct Loan program by XXXX XXXX, XXXX. '' ( XXXX XXXX XXXX ) In XXXX of XXXX, of my XXXX loans, XXXX of which were consolidated years previous when I switched loan servicers, were forgiven as a result of the waiver. 

However, I have since learned that had I consolidated all of my loans together, the highest payment count would have been applied and my entire debt would have been forgiven. 

As of today, XX/XX/XXXX, XXXX now has addressed this specific situation in the " Question and Answer '' section of their site. This information was not available in the fall and has been continually updated as the DOE and XXXX servicers continue to work through this process. The initial reference to their Q/A portion of the DOE website was first announced on XX/XX/XXXX ( reference attached ). 

Regardless, I and countless others were misled into thinking Direct loans did not need to be consolidated. This lack of clarity is on the DOE and student loan borrowers such as myself should not be a victim of it. 

*Attached are all of my records of emails and complaints filed with the DOE and FedLoan as well as their responses.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION/ NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFTBREPORT # XXXX
Complaint sub-issue: Public record information inaccurate

I have tried 5 times to have this incorrect bankruptcy removed off my credit report. 
XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX : Each time I receive a post card in the mail from XXXX illegally responding saying " we do not have sufficient information to process your dispute '' even though I provide all my information including my drivers license and a recent utility confirming my address. My dispute gets received by them through regular postal service and electronically. XXXX over the phone confirmed with me that they go to XXXX XXXX to get their information which is illegal as my XXXX XXXX report is frozen and I have opts out in sharing of my information to any 3rd party company like XXXX. Also the fact that XXXX XXXX nor XXXX have my consent to share my information and that XXXX seems to feel that its okay to violate my federal rights by accepting 3rd party information when they are only allowed to receive information from the direct creditor ( court house ) The court house does not report to the credit agencies so this bankruptcy needs to be removed immediately. 

XXXX : This credit agency is by far the worse as each and every time rather then do a investigation they state that I would need to dispute with XXXX XXXX XXXX which is OWNED by XXXX and XXXX stores that information. Again, XXXX is in direct violation of my federal rights by obtaining information about me without my consent, sharing it through there sub sister company XXXX. XXXX gathers it from another 3rd party source know as XXXX which again are both not direct creditors or debtors. XXXX fails to properly investigate and remove this inaccurate bankruptcy off my credit report. 

Equifax : Equifax out of all the 3 major credit agencies does at least investigate and get back to me on each dispute I have faxed over and mailed. But again Equifax is guilty of the same thing XXXX does by accepting and reporting from a 3rd party vendor information that I did not give sent to, have frozen and opted out of. 


Summary All 3 credit agencies have violated my federal rights of reporting inaccurate, false and incorrect information on my credit report by accepting data from multiple 3rd party sources. Seeing that the credit agencies can not go directly to the data furnisher which would be the federal court house which is not enrolled to report with the credit agencies. The credit agencies has illegally reported inaccurate information and can not properly investigate with the direct data furnisher ( federal court house ) due to the fact that the direct data furnisher of the information ( federal court house ) is not enrolled or subscribed to report to to the credit agencies let alone able to respond and handle consumer disputes. 

Result wanted : I want the public record of the bankruptcy that is showing on my credit report to be removed off my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Regarding XXXX. They are continuing to report an account as a Charge off. I have disputed this at least 6 times and have asked in writing to be provided with the accuracy of this account according to the laws and guidelines of the FRCA. They will not provide any proof of verification but continue their incorrect reporting. The company is XXXX XXXX. They have no information except a phone number to call and when I tried it says it's been disconnected. This account was originally thru XXXX XXXX. 
In XX/XX/XXXX I reported fraudulent charges made in this account, many in other countries or locations I had not been too. I worked with XXXX XXXX and continued to pay my charges off until the balance was XXXX. The last payment made was XX/XX/XXXX.  The account was closed. Both XXXX and XXXX  removed XXXX XXXX from my account as they were not the original creditor. XXXX XXXX is reporting the payments I made to XXXX XXXX, but begin reporting late from XX/XX/XXXX. In XX/XX/XXXX they reported my account current. I thought this meant that due to my dispute it would erase all late charges as the remaining amount left was due to fraudulent charges. This was not the case, they then reported it as a Charge off. They also reported that I had made a payment on XX/XX/XXXX. Again inaccurate. They have continued to report to XXXX since then that this is a charge off. Even though XXXX is aware of the situation they continue to report these inaccuracies and will not provide any proof, except to say they electronically verified, even though I asked for written proof that this is my debt, which they were unable to provide me with.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX/XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted disputes and an FTC report for a fraudulent account and hard inquiry. 

Equifax : Account - 1st Pt {$650.00} Hard Inquiry - Credit Plus XX/XX/19
Complaint sub-issue: Debt resulted from identity theft

someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect
Complaint sub-issue: Account terms

For the last 3 years Equifax has reported that I only have XXXX accounts on my credit file. I have over XXXX accounts in good standing. I have called numerous times to get this corrected. And every time I called or send a letter. Equifax wants me to send them copies of my Id and a bill from my house. I have did this numerous times. A supervisor said my file was spilt, and Equifax error. This should have been corrected 3 years ago. Equifax is in violation of the FCRA
Complaint sub-issue: Investigation took more than 30 days

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

EQUIFAX INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

Macy 's ( account number XXXX ) is currently reporting an account that is not mine to XXXX and XXXX as late.I 'm a victim of ID theft and it 's various information on my XXXX and XXXX report that is not accurate including this account that is over 7 years old that just showed up as being late. My ID theft number is XXXX and I also have a police report number. I request help in getting this inaccurate information removed from my credit profile immediately.
Complaint sub-issue: Account status incorrect

My account was transferred to XXXX XXXX XXXX XXXX account number XXXX the we reached and agreement to settle paid XX/XX/20. Requested they report to vw credit to adjust my credit file not completed to date still shows a balance.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. Please help me get these items off my credit report so I can move on with my life. I really need attention to this matter as I now have full custody of my XXXX year old son and need to get this resolved. 


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 Equifax : XXXX, XXXX ) XXXX XXXX XXXX ( Equifax : XXXX  XXXX  : XXXX  XXXX  : XXXX ) , XXXX XXXX XXXX ( Equifax : XXXX  ) , XXXX XXXX ( Equifax : XXXX ) .
Complaint sub-issue: Investigation took more than 30 days

ftc violations XXXX XXXX XXXX XXXX XXXX reporting inaccurate information XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX All FCRA violations fair and accurate reporting ITS called fair and accurate reporting cost consumer millions Higher RATES LIFE STRESS
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have perfect credit until someone used my XXXX card fraudulently. They charged {$270.00} and the bill was sent to a different address prior address. I had not used this card since XX/XX/2016. These charges showed up and have been proven by XXXX as fraud. They will not supply me a letter removing the 1 30 day late, 1 60 day late and 3 90+ day lates or a letter stating XXXX balnce. This has crippled my credit score and causing me delay in purchasing a home that is closing at the end of the XX/XX/XXXX. They promised after another 1.5  hour long phone call 5 letters to be sent by email clearing this up and now they refuse to send them. They say it will take 60-90 days for them to submit letters to credit bureaus, where if they provide the letters my loan officer can fix my credit in 3 to 5 days. I have spent 10 hours over multiple days. This is inexcusable
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Filed a dispute with Citi for a service which was performed poorly and damage was caused during the process. Video and pictures of the issues are available but Citi 's antiquated processing system does not allow for this evidence to be provided to the dispute department or investigators. There is no way to upload any of these artifacts online. The only way I found out i can provide this information through emails, only after not receiving any correspondence in the websites " documents and statements '' section the case was closed, I found out by logging in to make a payment. The dispute department provided an email address after I voiced concerns as a customer, I don't feel like I have a fair chance to have an investigator adjudicate my case because I can't upload anything an email address was provided to only upload documents only. Due to their aged system there is no way to provide images or videos. It is like going into a court of law and telling the judge i can't provide you with all the evidence. As the customer who is not at fault, with all the documents provided through email, including an evaluation by a third party company who stated the same issues I found are not to industry standards, and images uploaded my case is still closed and I'm responsible for charges I should not be responsible for because Citi does not provide their customer a fair opportunity to provide all the evidence. You can't get a hold of the investigator, nor does the dispute front end department have the ability to do anything or even look at the images uploaded. How is this fair to the customer who is not at fault? I'm demanding Citi open the investigation and look at all the supporting documents and return my money for services not rendered.