Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

The credit bureaus state my account was properly investigated but how is that possible if the account type - detail is inaccurate, the date opened inaccurate, the high credit inaccurate, the credit limit is inaccurate, the payment status is inaccurate, the last reported is inaccurate, the comments inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, and the 2-year ledger is inaccurate. 
The credit bureaus have violated my rights as a consumer under the following : 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. 

This has been disputed numerous of times and it has been way over 30 days and still on my consumer report. 

Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22
Complaint sub-issue: Debt is not mine

Global Receivables Solutions is attempting to collect a debt I have on a medical bill from XXXX XXXX XXXX XXXX, and have been doing so for the past 2 years. 
However, I am already paying this debt back through a different agency called XXXX XXXX XXXX XXXX XXXX, and my account with them is open, in good standing, and has been since XX/XX/XXXX and has not been transferred to any other agency. 
This is the third time Global Receivables has attempted to collect this debt, and the third time they have been able to attach a collection notice to my credit report. 
On Friday XXXX XXXX, 2016 the most recent collection was removed from my credit report after I filed a dispute. However, XXXX XXXX, 2016 the notice is back. 
This needs to be corrected immediately, and I would suggest that the FTC look into this companies practices for debt collection.
Complaint sub-issue: Other problem

Citibank manages the sears credit card services. I have had a sears card for 35 years. I received a notice from citi threatening cancellation if i didn't use the card. Sears have closed stores, no catalog sales, and less than stellar home service. When i received the actual cancellation it was for reasons other than non use. The reasons used were extremely derogatory. The cancellation was negative to my credit. I have never had historical issues with sears. The account balance was XXXX. Citi was contacted. Someone from the executive office called with corporate boilerplate. The citi response is totally irresponsible and therefore unacceptable.
Complaint sub-issue: Account status incorrect

Acccont information is being reported incorrectly
Complaint sub-issue: Threatened to sue you for very old debt

XX/XX/2022 ( between XXXX and XXXX CT ) I started out offering to take care of the debt owed. I only asked that it be removed off of my credit report, or for them to send me a letter or email stating that it will be removed from my credit report upon payoff of the ddebt. The lady I had spoken with stated she would ask what she could do to get it removed. She stated her supervisor wasn't going to send me any correspondence about removing it, but that it would be removed if I paid it off in full by the end of the month, that's what they were requiring. I told her I couldn't do that, she asked how much I could pay, I said {$50.00} a month until it's paid off. She said to let her talk to her supervisor about it, moments later he came on the phone aggressively telling me that he isn't sending anything and it had to be paid in full by the months end or it wouldn't be removed from my credit. I said I need to have proof it'll be removed they said again that they wasn't sending anything about it to me. I said it's unrealistic for me to pay it off by the end of the month since I have other bills to pay, and XXXX that live with me. I said again I can pay {$50.00} a month until it's paid off, he said he doesn't need me to pay anything because they have my work info and they'll take me to court that he doesn't care, and he was talking over everything I was saying so I toldld him not to threaten me, and I told him I was disconnecting the call.
Complaint sub-issue: Information belongs to someone else

I am filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, OH XXXX :
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I am writing to report fraudulent use of a {$200.00} prepaid MasterCard card I purchased in fall XXXX. It was issued by U.S. Bank. I took the card out of the original packaging on XX/XX/XXXX and went to use it for the first time at XXXX XXXX, but was only able to use {$4.00} of the {$200.00} value. When I got home and looked online at XXXX, I could see that it had been fraudulently registered online to someone in California, who {$190.00} charged last XX/XX/XXXX to a merchant I do not recognize. 

I called the customer service number on the packaging on XX/XX/XXXX, and was told that they had notes on their system from last fall indicating suspicion of a fraudulent registration due to an unusual phone call at that time. They said that I would need to FAX them a copy of my drivers license, the front and back of the card, and the purchase receipt in order to move forward with resolving the issue. I explained that I no longer had the receipt, and they told me to send in what I had. However, they could make no assurances that this would be sufficient to have my stolen funds restored, provide a case number or direct contact number or email for those at their institution who would be dealing with this issue, or give me a general timeline for resolution of the issue. 

I will FAX them the driver license and card image as they requested, but because they can provide no assurances that this will restore my funds I am also filing this complaint. As directed on your site, I am not providing my name or the card number here.
Complaint sub-issue: Non-sufficient funds and associated fees

During the summer of 2020, I went to my local " Citibank '' to open a business checking account. 
I have my personal credit card, checking and savings account with this financial institution, so I decided to have my business account with them. 

The process was never finished, no paper work was provided, no account number was provided, no temporary checks, none of the basic new account items. Also no money was deposited in this account. 

Regardless, Citibank is charging me with {$43.00}. All my attempts to explain that the account wasn't technically/legally opened were in vain. 

Why do I have to pay a fee for an account that wasn't even opened? 

Thank you very much.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and my identity was compromised.
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
AD XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$990.00} XXXX XXXX account. {$9.00} FCRA violations : inquires not mine XXXX  XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX & XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open.
Complaint sub-issue: Debt was paid

I am having a serious problem with the Carter-Young XXXX XXXX they are located in Georgia. 

I have sent the debt collection company 5 emails, 1 fax, and have also communicated with them via their website. I have provided proof that the debt is false on 6 occasions. I have also filed a complaint with the Better Business Bureau. 

The collection agency responds to my every communication with generic replies that proves to me that they arent reading what I send to them. For example, I have on 4 occasions provided a detailed explanation of what they need to do to rectify the problem. On 3 of the occasions I received a generic reply saying please advise how you would like to address this situation. On 1 occasion they said they didnt get the proof I sent even though the proof was attached to their reply! 

Because of this erroneous item on my credit report I was not able to be pre-qualified for a mortgage and lost out on the house we made an offer on. 

I have been communicating with Carter-Young for almost 3 weeks and the problem still isnt solved.
Complaint sub-issue: Reporting company used your report improperly

In a condance, this creditor has violated my rights under 15 USC 1681 sections 602 states I have the right to privacy 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC-1666-B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to Equifax on XX/XX/2020 for them to correct inaccurate information on my credit report. I have yet to receive a response from them about the status of updating my credit report.
Complaint sub-issue: Billing dispute for services

Nelnet has placed 2 disputes on my account and has wrecked my credit score to poor claiming i am delinquent over {$7000.00} on my account. I am completely up to date with my payments and have {$98.00} payment due in XXXX. This is totally unjustifiable XXXX on my credit history and as a XXXX XXXX  XXXX woman this is a horrible disruption in my life as I have new large bills to pay and absolutely do not welcome this extraordinary stress.
Complaint sub-issue: Problem with fees

I have called Citi credit cards over 20 times in the past 6 months. I called because I got a new phone and lost my wallet. I wanted to get a new card so I can set it up auto pay. I said I'd send my license etc. All phone calls are documents. They refused. I wasn't getting any statements and didn't know what to do. I called over 10 times to pay my bill. Anytime I put in my information, it says I don't exist. I then have stayed on the phone for two hours to have people hang up on me. I've done the call back and they have no clue where to send me to pay my bill. I tried the chat ( which is also documented ), they couldn't help. I have even resorted to writing an email last month to corporate asking for help in paying my bill, but still no response. I now saw that I have negative marks on my credit score due to them never letting me pay my bill or helping me. I don't get it. I work two full time jobs and a part time job. My father is sick and lost his job because of Covid. My mother can't work. I'm paying their bills as well as my own. I also wanted to get a loan for graduate school but now my credit is shot because no one will help me. No one. I don't know what else to do and I'm not this type of person. I work so hard to have my life ruined. It's not fair. I want some help please. I need someone to just tell me what to do and how to pay my bill. That's all.
Complaint sub-issue: Account status incorrect

I have been trying to remove some fraudulent items off my credit, but all the credit bureaus are duing is calling the origianl credit to confirm the fraud with absolutely no resolutions. 

Discover and XXXX is reporting on my credit a credit card each with a credit limit of {$500.00}, yet my balance is {$15000.00}. How in the world can someone allow a customer to over their credit limit by {$14000.00} and try to come after me for the debt? 

Secondly, I have a court ordered to seal a payment balance to an apartment complex. The creditor paid has merge and have since sold the debt and now the new company is refusing to remove the debt and further, the credit bureaus are not helping even with the court odered. 

Lastly, I worked for a company that filed for bankgruptcy. Although I was a XXXX XXXX  XXXX, XXXX is claiming there are not showing any bankruptcy on my info, however, XXXX and XXXX are still reporting it stating I need to have XXXX to update their profile. 

I feel these credit bureaus are simply a datewarehouse with no back bones. They are claiming everything is internal and that I can dispute, however, we as the consumer have to constantly wait 30 days on the same nonesense. 

I need CFPB to provide me an immediate response, letter of intent or rationalization for why my constituational rights for barrowing and or purchasing can be in the hands of 3 privately held company that has nothing to do with the information they are providing. 

Thanks.
Complaint sub-issue: Reporting company used your report improperly

In accordance with a fair credit reporting act [ PNC BANK # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Trouble getting, activating, or registering a card

I never opened a direct express account and am a victim of identity theft and fraud. I need to cancel the cards and retrieve any fiunding that was taken from me as it is my stimulus check.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, depos

ited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Problem lowering your monthly payments

My loan payments for part of XXXX and all of XXXX were {$700.00} based on income information that I provided to my lender by linking directly to the IRS portal. Now the lender claims they processed that information incorrectly because I was listed as single in their system ( even though I listed myself as married in XXXX when I filed my taxes and when I filed paperwork to renew my loan ). I provided my spouse 's income as well, to further indicate my marital and filing status. Contradictory to their claim, they are also saying they both my spouse 's and my incomes into consideration to determine the loan amount for XXXX and most of XXXX. Now they are stating they are are working to process my application correctly now and are increasing my loan payment to {$1300.00}, even with my family size of XXXX. My only other option is to switch repayment programs which causes the accrued interest of over $ 38k on my plan to capitalize the interest.
XXXX from Great Lakes Employee ID XXXX spoke with me and refused to consider my husband 's new income even though I told him it had substantially reduced from XXXX. They keep insisting according to new laws and regulations, my supposed payment to them is {$1300.00} according to their calculations. This is putting an undue financial hardship on me and my now growing family ( I am XXXX XXXX  XXXX currently ).
Please help mediate with them so I am not paying dearly for their costly error. Their representative admitted on the phone that their system processed my payment incorrectly.
Complaint sub-issue: Debt is not mine

No contract about these debts. Never got a bill or anything from these medical agency that are more than 3 years old. Stop attempting to collect on fraud information and fraud medical services. They have NO contract. 

So the credit agency attempts to stalk, contact, email excessively. 

Please tell them to go away. 

XXXX http : //www.cbbcollections.comXXXX
Complaint sub-issue: Problem with statement of dispute

I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX is XXXX.
Complaint sub-issue: Reporting company used your report improperly

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 

By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights to privacy.

15 U.S.C.1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from Credit Services of Oregon in XXXX or XXXX of XXXX saying was in debt for {$1100.00} to a doctor I visited back in XXXX. I had not received any billing requests from the company in question back and I assumed my medical insurance covered the cost. I looked on-line and found the statue of limitation in Oregon for debt collection is 6 years so I thought this must be one of the Zombi debt issues and I ignored it. Everything I read online said that I would get a notice if one of these silly debts was going to court. On XX/XX/XXXX my employer received a garnishment request from the State of Oregon for the {$1100.00}. I never received any notice of a hearing where I could contest the debt. As of tomorrow XX/XX/XXXX I will have sent a certified letter requesting more information on the debt in question. Although " ORS 646.639 section 4a '' states : '' A debt buyer or debt collector acting on behalf of a debt buyer engages in an unlawful collection practice if the debt buyer or debt collector : ( a ) Files legal action against a debtor or files legal action to attempt to collect a debt if the debt buyer or debt collector knows or after exercising reasonable diligence would know that an applicable statute of limitations bars the legal action to collect or the legal action to attempt to collect the debt ; '' the State of Oregon XXXX XXXX still approved the judgement, even including the statement " A judgement was entered against the Debtor for the debt, or the debt otherwise became subject to garnishment, on the XXXX day of XX/XX/XXXX. '' I XXXX XXXX XXXX over 15 years ago. I know everything was paid up back when this took place but I can not prov it. I was never given the chance to even dispute it nor did I received a letter that this was going to court. Now I have a garnishment with my employer ( super embarrassing ) for a debt I didn't even know existed. This does not seem right.
Complaint sub-issue: Reinserted previously deleted info

I received an email from equifax stating that XXXX XXXX was deleted from my credit file. I checked my credit report today online and I saw that equifax failed to remove XXXX XXXX off my report. So I called and spoke with a representative and they stated they do n't see the letter that I was sent in there system and that the only thing they could do was start another investigation for the third time which is totally unacceptable and we 'll be young the 30 day mark.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.