Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE A CREDIT INQUIRY ON MY CREDIT REPORT FROM XXXX XXXX AUTO FINANCING XX/XX/2017. I HAVE NO KNOWLEDGE NOR HAVE I SIGNED CONSENT FOR THEM TO CHECK MY CREDIT. I HAVE DISPUTED WITH BOTH OPENLENDING AND EQUIFAX. THE ONLY RESPONSE I HAVE RECEIVED IS ITS FACTUAL, FROM EQUIFAX AND NO RESPONSE AT ALL FROM OPENLENDING. HOWEVER, CUSTOMER SERVICE REFUSES TO PROVIDE ME WITH THE INFORMATION OR DOCUMENTS USED TO VERIFY THAT THIS INQUIRY IS FACTUAL.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX  XXXX -- -- XXXX : {$630.00} XXXX XXXX XXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$920.00} XXXX XXXX XXXX -- -- XXXX : {$5500.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$3000.00} XXXX XXXX XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX  XXXX -- -- XXXX XXXX {$6400.00}
Complaint sub-issue: Account status incorrect

XXXX XXXX account # XXXX is reporting the following account on my consumer report as charged-off. 

According to IRS publication 4681-2022/1099c ( Persons who each receive a Form 1099-C showing the full amount of debt. Form 1099-C shows the entire amount of the canceled debt. The ordinary income from the cancellation of debt ( the excess of the canceled debt over the FMV of the property ) must be included in your gross income reported on your tax return unless one of the exceptions or exclusions described later applies. You must report this income on your return unless certain exceptions or exclusions apply. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in XXXX  XXXX. 

A total of {$5900.00} was charged off ; and {$1300.00} was written.
Complaint sub-issue: Their investigation did not fix an error on your report

the following accounts are fraudulent and are not mine, I am a victim of identity theft
Complaint sub-issue: Problem with personal statement of dispute

In XXXX and XXXX of 2021, I had an auto-payment scheduled with US Bank for a credit card. Mysteriously, the bank had technical difficulties in which my regular auto payment did not go through. When I notified the bank that my payments were automatically being reversed, they apologized for the technical issue and then proceeded to offer the reversal of the late payments in XX/XX/2021. However, they still marked a 30-day and 60-day late payment AFTER reversing the late payment as a result of their mistake. 

When I contacted them, they informed me that there was nothing they could do and refused to close my account after I requested them to do so. 

Fast Forward to XX/XX/2021, the 2 late payments were removed from my consumer report. However, within 3 weeks US Bank re-added those payments back to my credit report. Therefore lowering my credit score. The second time, I contacted them by mail after the late payments were re-added and they responded in writing that the information being reported is accurate.
Complaint sub-issue: Personal information incorrect

i have sent multiple letters about addresses and names that are incorrect on my credit report. XXXX on XXXX then responded XXXX with them leaving incorrect information on my report. The only address that should be associated with my account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Ally pulled credit reportXX/XX/18 through Equifax and told the dealership there was a fraud alert on the credit report and could not proceed. I verified with Equifax there was no fraud alert.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX # XXXX, XXXX accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 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 a account without my written instructions
Complaint sub-issue: Card was charged for something you did not purchase with the card

I became in contact with th fraud Dept of TOTAL CARD VISA, becoming aware of various charges from a company named XXXX that I had never heard of. The rep told me that this company was well versed in fraud and the fraud dept deal with them often so I was not to worry. I needed to contact XXXX and ask for money, ( which I did and they all but laughed at me saying its your cc companies job we dont give money back to people. ), then I was to and fill out and return an affidavit to total visa so it could be fixed. Which was all completed ( by XX/XX/2018 ) before I had a few ( 3 ) month stintt in hospital. For whatever reason I found out today that the afadavit was not what total wanted and I needed to fill a new one out, and this new one was sent to me while I was in hospital in XXXX. I also emailed cc company I firming them of my status. When I called today asking why I was never given any credit or reversals for the fraud I was informed of new affidavit and that I could t do anything now bc 60 days had passed .... but I did it within week first time and they want new after I inform them of my situation and following deadline to make this tight passes while Im hospitalized? It almost feels like their is major collusion here especially whe. Everyone st the cc co knows this XXXX company is a huge scam artist of a company. All charges attempted by this XXXX company happened in the same day. Also I did not and have not used this Acct since bc they cancelled card and I was waiting to endure no more fraud remained. Company charged me {$38.00} late fees and an annual fee of {$48.00} even with knowledge of balance. What dequd related and after I made payments and stats intention to have cars frozen so it would not accrue charged and would give me chance to pay off. 

These are the transactions from XXXX. 
XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   ONLINE NY XXXX XX/XX/2018 XXXX ONLINE NY XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX
Complaint sub-issue: Banking errors

I noticed that there were erroneous service charges from the bank to my account as well as unusual interest payments. Along with this, the account balance wasn't calculating correctly to the charges/credits that were listed in online account ledger. For example there was a {$11.00} service fee but the account balance increased instead of decreasing, the interest payments weren't increasing or decreasing the account balance. I called the bank to find out what's going on and the customer service person acknowleged that they were aware of the issue and working on it but that i would not see additional line items in my account ledger fixing it, they were just going to correct the total balance in the back ground. I informed them that i was not ok with them not listing the corrections as line items so i could balance my account correctly. I asked for a formal complaint on this and they informed me that they would file the complaint. I recieve nothing inidcating that they acutally filed the complaint. A month later i saw the total balance correct, but no line items indicating what they did to fix it. I'm not ok with them taking money out or adding it back in to my account without listing the transactions so i can keep it balanced on my end and ensure they're not making further mistakes. Attached is a screenshot of the account ledger.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  XXXX XXXX made an inquiry from XXXX  on XX/XX/2019 that I did not authorize. I, and XXXX, have sent many notices to XXXX  XXXX XXXX and they have failed to respond to us both within 180 days.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX keeps removing and reapplying accounts to my credit report in violation of the FCRA. I have NO LEGAL CONTRACT with XXXX XXXX and I owe them no debt. They have also not provided full validation as requested. Remove this from my Equifax and XXXX reports immediately. Account numbers are XXXX and XXXX
Complaint sub-issue: Can't close your account

On XX/XX/19 I called MoneyLion support to close my accounts and withdraw all of my money.

After waiting on hold for over an hour I opted for a call back. I never received a call back.

Also, on XX/XX/19 I submitted a ticket to MoneyLion support online. 

Three days later on XX/XX/19 XXXX from MoneyLion sent me an email stating that she has cancelled my membership, but can not liquidate the account.

I am still unable to liquidate the account and close it out. The app states that there is an error and to try again later.

I've been calling MoneyLion and sending them emails without any response.

Furthermore, the value of my investment account has dropped significantly since my request to withdraw funds. 

Today XX/XX/19 MoneyLion again withdrew additional funds from my other bank account.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Complaint sub-issue: Debt is not mine

This delinquent notice appeared on my XXXX account and stated this XXXX acct was opened this past XX/XX/2016. I do n't have a current XXXX acct at my current residence. I have n't received any notices or phone calls regarding the {$170.00} balance owed. I disputed this with XXXX but came back as being " valid '' '. I know for a fact this is not my acct and need this removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

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

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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem during payment process

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and DISCOVERBANK with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2015.
Complaint sub-issue: Not given enough info to verify debt

IC System sent me a letter dated XX/XX/XXXX stating they were a collection agency and that I owed {$110.00}. I responded in writing on XX/XX/XXXX that I was disputing this dept and would like verification of the debt or a copy of the judgement. I then received a letter on XX/XX/XXXX stating that my debt was now {$230.00} due additional charges being incurred. I have no idea who I owe this money too and have not received a verification of this debt nor do I know what additional expenses have occurred to increase this debt.
Complaint sub-issue: Reporting company used your report improperly

Equifax indicated that my information may have been hacked in the recent data breach.
Complaint sub-issue: Funds not handled or disbursed as instructed

People opened both a checking and a saving USBank account under my name, using my  Social  #  XXXX .  XXXX   XXXX   XXXX . I have reported repeatedly about an ongoing Identity Theft issue with  XXXX   XXXX   XXXX , who lives with me at  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX . Her Social Securit y Number  is  XXXX . This  US  Bank account has been opened fraudulently behind my back on  XXXX   XXXX ,   XXXX  . Actually, a saving account #  XXXX  and a checking account I do n't even know it 's number. I called  US  Bank at   XXXX   XXXX   XXXX   XXXX    USBANKS  on  XXXX   XXXX ,   XXXX   to put a hard hold on both my accounts, but it was not the case. Later on I learned that both my checking and my saving account have been compromised, with  XXXX   XXXX  ordering checks under my name and using my Social Security  No. I  then learned and realized that she and her husband  XXXX   XXXX  were using the fraudulent accounts that they have opened fraudulently under my name to launder money. The check book cost me {$30.00}, for example. There were {$50.00} transactions being deposited and withdrawn back and forth, despite me calling dozens of times since  XXXX / XXXX /  XXXX   to make sure that the exact nature of these things did n't take place. I believe both accounts are closed now but not before my identity has been compromised and my credit rating gone through the mud.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person
Complaint sub-issue: Information belongs to someone else

sent police reports equifax is taking more than 45 days to remove my items that was taking off by their competitors
Complaint sub-issue: Can't close your account

On XXXX XXXX, 2020, we wrote by regular mail to Citibank to close a money market account held in trust for our son. We wrote at that address given to us by a Citi representative. The account was inactive and held a balance of approximately {$150.00}. Citi ignored the letter and proceeded to debit the account each month for a {$30.00} servicing fee. We tried calling but were put into call cues where we waited for 40 minutes before our call was dropped. When we finally got through, we were told to write another letter. We wrote a second letter on XX/XX/XXXX by Certified Mail to the former account relations XXXX who had handled our other accounts, asking for his assistance to close the account and avoid further debits. We got no response. Citi is now demanding we cover a negative account balance - {$22.00} caused exclusively by their debiting their {$30.00} per month servicing fee over an inactive account that had a nominal balance, on an account which we twice instructed them in writing to close months ago. 

We want the account closed, the balance restored to the XX/XX/XXXX balance, and that balance remitted to us.
Complaint sub-issue: Personal information incorrect

I applied for a mortgage in early XXXX of 2019. Upon doing this, I was told that my information on my credit report from Equifax was wrong. They had my maiden name as my first name, and my first name as my last name. I called them and they told me what documents I needed to send in to fix it & to update my address. I got all of the documents and faxed them in. I was told 7 to 10 business days. After 7 business days, I called to check if anything had been done. Nothing had been. I told them it was for a mortgage and time was of the essence & they said they would put a rush on it. During this phone call I was informed that there was another file in my correct married name, so they would have to merge the accounts. I called back multiple times, getting a different person each time, having to explain the same thing everytime & being told it would be fixed everytime. It was too late to use my equifax credit rating for the mortgage. I wanted to apply for a line of credit. I called again to check and see if any progress had been made. I was told that everything was done, so I called the bank for my line of credit & they did a hard credit check on me. Turns out my files had been merged, but my name was still incorrect, which was the very first reason I needed it fixed. I was denied the line of credit because of incorrect information on my account, and it counted against my otherwise good credit. I called Equifax again, explaining to them, that they had not fixed the issue that I had explained to them so very many times & that they had told me was, indeed, fixed. I was told that another claim to fix it would be submitted, with a rush on it because it was for a line of credit. They told me 3 to 5 business days. I called today for the literal 20th+ time. I was told that only 2 claims were submitted, I was told everytime I called that a claim was submitted, one XX/XX/XXXX and one XX/XX/XXXX, both of which were only to merge my files. Neither one to change my name, which I stated was the issue every single time that I called, which i was told by multiple employees was going to be fixed. Today there were two more claims submitted, so I am told. One to change my name, and one to change my address. I have never been so frustrated and so at  my wits end in my life. I asked multiple employees on multiple occasions why nothing had been done, when I had done everything required by me to fix the issue, and none of them had an answer for me. The service I have received from them has been nothing less than incompetence.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX I requested copies of my consumer reports from XXXX, XXXX, and XXXX, and as I was analyzing the reports I noticed that there was a collections account from : Account # : XXXX Debt Collector : Jefferson Capital Systems XXXX XXXX XXXX. 
XXXX XXXX MN XXXX stating that I owe them an alleged debt that I have no knowledge or recollection of owing them. I was never contacted about the alleged debt, nor was notified of my right to dispute. They opened the account on XX/XX/XXXX according to XXXX, but they never notified me of my consumer rights under the FDCPA. 
They then reported it on XX/XX/XXXX again without notifying me or communicating through mail, email, or in person. To my understanding, after XX/XX/XXXX debt collectors are suppose to let the consumer know that they have a debt, and record any proof of non delivery to the consumer. In my case this was never done. I never had the proper opportunity to dispute the debt they say I owe. This is the reason I did not contact the company. They've violated my consumer rights under the FDCPA. So I am filing a complaint with the CFPB.
Complaint sub-issue: Information belongs to someone else

This is a complaint against timeshare XXXX XXXX. Everyone I've dealt with from XXXX all claimed to not work on commission. They told us that we're making a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to XXXX me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They also enticed me, promising me rental income which according to them, I can earn through this timeshare. We were never properly informed about the fees ; they never made us aware of it. They never informed us how to cancel ; we were never properly educated regarding cancellation, like how many days to cancel and such. We were extremely pressured, they would not take " No '' for an answer. This timeshare only caused us stress and hardships. We were defrauded, lied to and took advantage of us.