Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to take legal action

I could not find the exact " describe the issue '' choice, but XXXX XXXX threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from XXXX that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to XXXX XXXX when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor Best Buy, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with Best Buy, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told Best Buy this. But after contact by XXXX, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to Best Buy, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.
Complaint sub-issue: Information belongs to someone else

Inaccurate information being reported FTC, FCRA and FDCPA violations FTC attached
Complaint sub-issue: Frequent or repeated calls

Hunter Warfield calls back to back all day long. It's harassment at this point. I've deleted my log for the past week but I have some recent ones attached.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items 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 block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$810.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

EQUIFAX is reporting inaccuracies to my report.
Complaint sub-issue: Information belongs to someone else

XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with CBNA/Best Buy. An account with CBNA Best Buy was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXXXXXX. An official dispute of this information was submitted to CBNA/Best Buy fraud department XX/XX/XXXX ; however as of this date CBNA/Best Buy has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's XXXX  credit report. In addition an official dispute of the CBNA/Best Buy account was submitted to XXXX ; the address associated with the fraudulent account was also reported to XXXX  however, as of this morning XX/XX/XXXX " XXXX '' a representative with XXXX confirmed with my client, XXXX XXXX the fraudulent address and CBNA/Best Buy information was not being removed. 
Both XXXX  and CBNA/Best Buy are in violation of FCRA and have violated my client 's federal consumer rights.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/22 I sent a letter regarding inaccurate things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.
Complaint sub-issue: Attempted to collect wrong amount

I have a debt with CB1 Collections Agency. I called and spoke with a representative on XX/XX/XXXX at XXXX XXXX trying to resolve the issue and pay the debt in full. She said she was unable to work with me and that she could not accept payment as they already filed in court. And that I would be served. As of XX/XX/XXXX, I have received no papers and they have continued to not allow me to pay the debt. They would like me to pay the fees for filing in court for a process server although I have never been served. This has now extended for two months and negatively affected my credit.
Complaint sub-issue: Problem making or receiving payments

At XXXX XXXX on XX/XX/2022, I deposited {$360.00} in cash at the ATM of Commerce Bank ( XXXX XXXX location ) in XXXX, IL. The bills I deposited were composed of the following 3x {XXXX}, 9x {XXXX}, 3x {XXXX}, 3x {XXXX}. When I deposited this money, the ATM " ate '' the money. I subsequently filed claim ( Case # XXXX ).
Complaint sub-issue: Debt is not yours

I have tried to contact the original company which is XXXX XXXX XXXX at the ( XXXX ) XXXX ; pin XXXX, extension XXXX office of XXXX but I can get thru also contact at email ; XXXX they didn't response to request a letter explaining the {$1400.00} debt. which we state we had canceled the service on or about XXXX of 2013 with no success we keep receiving a bill requesting payment for current month as well as previous month. However we have paid already the balance is zero. The collection agency is not doing anything about it.
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Ref : Acct ending in # XXXX  for a Discover Credit Card is issuing a collection that was original date as of XX/XX/2002. this accpunt is still reporting almost 16 years after the fact. This colcetion was chraged off by creditor over 15 years ago and is still being reported as derrogatory in my XXXX  credit report.

Discover is in full violation of the fair credit reporting act ( FCRA ) Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) as the time has elapsed for this item to continue on my credi and personal history. this is adversely and without merit affecting my excellent credit as of the last 10 years.

I need discover to remove this item as collection from my equifax history immediately and or be penalized by CFPB for violations of FCRA for the past 8 years of reporting eroneously stated information.
Complaint sub-issue: Their investigation did not fix an error on your report

The issue of Equifax reporting and sharing this erroneous information has persisted for a very long time even though the information is being reported under my Satisfactory Accounts History. The Account was closed by me XX/XX/XXXX ( XXXX XXXX XXXX ) has and is reporting that the account was closed in XX/XX/XXXX. My requests to Equifax has gone unaddressed they sent me a Notice that my Credit File was being placed under Fraud Alert and XXXX XXXX and XXXX would also receive a Notice. This was and is done without my " REQUEST or AUTHORIZATION ''. XXXX XXXX and XXXX both have removed the over 10 years history from my Credit File and again I want Equifax to do the same as soon as possible and end the erroneous and incorrect reporting..
Complaint sub-issue: Account status incorrect

On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one XXXX  reporting this account and to remove it due to XXXX  purposes. This account along with its debt does not belong to me or was not authorized by me.
Complaint sub-issue: Didn't receive notice of right to dispute

I received a letter from Atlas Financial Services dated XX/XX/22. It was sent to my prior address in an envelope commonly used for " junk mail ''. It stated I owed XXXX  XXXX XXXX {$400.00} in principal and {$150.00} in interest for a total of {$550.00}. 

Atlas Financial did not include the language that I have 30 days to dispute the debt and are in violation of the FDCPA. 

I have sent a letter disputing the debt as my records show I paid XXXX  XXXX XXXX in full. 

Thank you, XXXX XXXX
Complaint sub-issue: Personal information incorrect

Hi this is XXXX XXXX XXXX, I am contacting the Consumer Financial Protection Bureau about my personal information across all three credit Bureaus, They are reporting names, addresses and phone numbers inaccurately. 
I reach out to all three Credit Bureau with the right information with copies of my Drivers license, social security card and a credit card statement.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I hope all is well I have called several times about the XXXX dispute for {$190.00} and the representatives keep putting it under the wrong dispute reason they are saying I dont authorize it or they gave me a credit for the shoes but neither is correct the reason for my dispute for the shoes they dont fit not the size I ordered, the box was open and damaged once received one shoe was very dirty and missing a shoe string. I really need to send these shoes back and my credit back. I have reached out to XXXX XXXX with no help. Can you please help me resolve this issue and get my credit of {$190.00} back? I dont know why the representative at CITI keep putting in the wrong dispute reason its like they are not listening. Thank for your time. Have a wonderful day and please be safe.
Complaint sub-issue: Account status incorrect

the Following accounts that is listed on my credit reports are not complying with the Metro 2 standards, this is unfair, inaccurate credit reporting and I will pursue futher actions, XXXX is showing this account deleted Equafax is not
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act, XXXX has violated my federally protected consumers rights. on the following dates XXXX  has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The list of inquiries were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the inquiries listed below : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed 3 disputes with Citibank for charges made by the same merchant, XXXX XXXX XXXX XXXX XXXX, headquartered in XXXX, Arizona. All 3 disputes were denied and rejected by Citibank. I believe these denials were unfair based on the facts of the situation, I have tried to communicate and work with both Citibank and XXXX XXXX to resolve this matter both to no avail. In matter of fact, I have been met with outright hostility and scorn. 
On XX/XX/2020, my car would not start. I got it over to XXXX XXXX, XXXX # XXXX in XXXX, AZ. Based on their testing and recommendation, they said they could fix my problem for {$650.00}. I agreed and was charged on my Citibank credit card. 
The next day, XX/XX/2020 again my car would not start. I got it back over to XXXX XXXX. They said oops to get my car fixed and starting properly, it would cost me another {$590.00}. I had a car that would not start. I could not drive it somewhere else, At that point in time, I did not know where to have it towed to anyway. I had no choice in my mind but to agree. 
I was charged twice to fix the exact same problem. My consent to the first charge was based solely on their testing and recommendation and direct communication to me that it would fix the starting problem with my car. The second charge emanated from the " hostage '' situation I was in. 
Obviously Citibank has not been helpful to me in resolving this matter. 
Thank you for your help and consideration in this matter.
Complaint sub-issue: Reporting company used your report improperly

Company check my credit without my consent which put hard inquiries on my credit I would like to get them removed it was improper use of my credit XXXX, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Equifax is reporting a current balance of {$260.00}. This account should report a {$0.00} balance and {$0.00} past due. There is no outstanding balance due. Please keep in mind it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Fee problem

My son in law recently started assisting me with my finances last month and noticed I was getting a {$25.00} service fee every month on my checking account. I am a XXXX XXXX so i do not use online or mobile banking, I just rely on my local branch to provide me with assistance when needed. We called citibank together and spoke to a representative as well as a team supervisor. We explained that I have been banking with Citibank for 40 years and no one has ever suggested for me to be placed in a Basic Banking account which is free for anyone over the age of XXXX, i found this information from my son in law. I am now XXXX yrs old and i am sure after this is researched further u will be able to see that I have been receiving this {$25.00} fee for years.Basically after conveying this information to the supervisor he said there is nothing he could do, that i was supposed to tell citibank about their products and that i should have known how i can keep my accounts free. After the phone call i decided to put in this complaint because i feel like what citibank did to me is highly unethical and morally alarming due to my age.
Complaint sub-issue: Trouble with how payments are being handled

Late Start to Qualified Public Service Loan Payments ( 8 months ) The over-all problem is that FedLoans began my qualifying public service loan payments two months late because they were slow at getting their paperwork done. On XX/XX/XXXX, I filled out an IDR Plan Application on my federal student loans both with the FedLoan company and XXXX company who both service approximately half of my loans. I graduated in XX/XX/XXXX. I submitted an application to switch from IBR to REPAY in XX/XX/XXXX with the expectation my first qualifying payment for Public Service Loan Forgiveness ( PSLF ) would be XX/XX/XXXX as indicated on my billing statement with both companies ( Your first payment is due XX/XX/XXXX ) and per multiple phone conversations with representative at FedLoan. XXXX XXXX approved my REPAY plan XX/XX/XXXX and FedLoans on XX/XX/XXXX, therefore FedLoans had a three and a half months delay in getting paperwork done. I would like to add that there is no difference between these loans as documented in the paperwork provided. My XXXX Plus loans with both companies went from IBR to  REPAY and there should be NO difference in processing time. However, since FedLoans has taken significantly longer to process my paperwork, my first qualifying payment under REPAY is scheduled for XX/XX/XXXX instead of XX/XX/XXXX for the Public Service Loan Forgiveness Program. This means I will lose 2  months of qualifying payments and my grace period with FedLoans is 8 months. 

This could amount to a loss of approximately {$1600.00} depending on my income in the last two months of payment. I have called FedLoan two times since XX/XX/XXXX when I realized my qualifying payments for PSLF would be delayed. I have spent hours researching how to navigate the complicated details associated with student loan repayment and I have done my job to get the paperwork turned into you on time. If FedLoan is requiring me to get my paperwork done on time each year, FedLoan also needs to get its paperwork done one time. Over  the phone their excuse for delaying my public service loan qualifying payments was because I started making payments, while I was still in school. However, I am not sure why this loop hole has such an unfair consequence. 

When comparing the two companys ability to complete paperwork on time, it is evident that FedLoan is at fault for not processing paperwork in a timely manner. Therefore, I am requesting FedLoan to correct their error by granting me REPAY payments starting on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 60 and 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately.
Complaint sub-issue: Was not notified of investigation status or results

Unauthorized hard inquires on credit file. Submitted report and inquiries still on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Complaint sub-issue: Was not notified of investigation status or results

I filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I  never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.
Complaint sub-issue: Trouble with how payments are handled

I am writing this on behalf of my wife, as I manage our student loans. 
We spend approximately 40 % of our income on student loans. Given our earning potential and current income we would be lucky to pay off our student loans in the next 40 years. 
We 've even had to take out a second mortgage on our house to make student loan payments. Because my wife 's profession is never expected to have the earning potential to pay back their student loans and she works for the government at an even lower rate than the private sector ; we were told that we qualified for student loan forgiveness on her student loans. This was great news for us. We went through the entire certification process and got all of the approval letters. But, when I called to get the estimated pay-off date, they told me that we did n't qualify because we were n't paying enough per month. This is utterly ridiculous since we pay the full amount every month and have it set up on auto-pay. 
When I inquired further ; I was told that we would have to change repayment plans to one which would cost us an extra $ XXXX/month before we would qualify. 
Considering the change to this new payment plan, we would actually spend the same amount of money to have her student loans " forgiven '' as we would without the " forgiveness ''. The representative even told me it was n't worth it to use their " forgiveness '' payment plan.
Complaint sub-issue: Didn't receive notice of right to dispute

The debt collection company known as IC Systems purchased the debt of {$310.00} dollars from XXXX XXXX XXXX and did not send notices and correspondence regarding the debt. Instead, they reported the debt to the credit reporting agencies. I found out about the debt through XXXX XXXX. This is a clear violation of the Fair Debt Collection Practices Act. The debt collection company did not verify that the debt was mine. I never received any notices about this debt, and I do NOT owe this debt. Once I learned of the debt, I contacted the company to dispute it and the company refused to dispute it and remove the collection from the credit reporting agencies. Instead, they sent a letter threatening to report the debt to the national credit reporting agency. I am NOT paying what I do not owe.
Complaint sub-issue: Account information incorrect

XXXXXXXX XXXX continues to report incorrect information. Account satisfied with company. XXXX XXXX  violates FCRA Guidelines. Continuing to place incorrect amount and removing tradeline is a violation to my rights.