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

Equifax ; XXXX  and XXXX  are reporting ( 30 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was paid in XXXX, 2019 and the lates are reporting in XXXX, 2019. Please keep in mind that it is impossible to have late payments on an account that was paid off a month prior. This incorrect reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Complaint sub-issue: Debt was result of identity theft

Alltran Education Inc. calls me after I legally requested them to cease and desist all contact with me. They're in violation trying to collect a debt I don't owe. They can't physically validate the debt as I requested them to. I wrote to them and asked them unless they send me all physical evidence requested to validate this debt, they should never contact me again and must remove my name from thy record. 
However, I kept getting phone calls from them. different time during the day. They use different phone number to call me many times, each i would back they no longere in service which cause me nuisance, I feel Ive harassed by this compagny I feel threatening by they abusive behavior agaist me. 
I have contacted the creditor about this unauthorize loan they opened under my name in the past. They refused to investigate the school that sent them these fraudulent applications to collect on my behalf without my knowledge. 
Altran education continuously sending me correspondence, pressuring me after they've received my cease and desist letter. 
I feel like they try to scam me force me into paying back a loan that I never used and I dont owe. 
I asked them to contact who sold them the debt and notify them of this debt being disputed and to contact the credit bureaus as well they ignore all my request to clear the wrong debt, they have in my name under my social security number.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.
Complaint sub-issue: Investigation took more than 30 days

I review a current copy of my credit report an show inaccurate information listed on my credit report. I place a dispute with creditor and have not received any dispute results. This creditor is listing a charge off on my credit report with inaccurate open dates, Showing balances on a charge off account per the law any charge off on credit reports once show a balance of {$0.00}. 

Creditor : XX/XX/XXXX ( Original Creditor : XXXX  XX/XX/XXXX ) Account number : XXXX Account open dates listing on report : XX/XX/2016 and XX/XX/2016 Account open Balance reporting on credit report {$760.00} which is inaccurate credit reporting.
Complaint sub-issue: Can't use card to make purchases

For no reason and Without any explanation or early notification they close my account on XX/XX/XXXX with my sears card.. They never send me a letter or a notification on any problem regarding on my account. My account was use daily and never had any late paid or anything wrong with the payments i always paid the monthly bill in full. I been a member since XXXX with the card and Im a daily user of my credict card and never been late on a payment in 5 years. I call the company and they said that because of my passed credict they close my account.. I never paid any late fees or missed a payment on that account to be treated like a bad costumer. For some reason the target me for my passed.
Complaint sub-issue: Account information incorrect

I request that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Bankruptcy : Bankruptcy Reference. Incorrect Name : XXXX, XXXX, XXXX, XXXX. Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX  XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. 
Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX, XXXX XXXX XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccuracy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I sent a letter to CarMax to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing CarMax to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.
Complaint sub-issue: Deposits and withdrawals

Trying to link XXXX and XXXX apps to Pnc and wont work
Complaint sub-issue: Debt was result of identity theft

I spoke to XXXX in the account collections department. He told me the accounts are closed and charged off. He said that happens when we can't collect on a debt so we write it off. I asked why are the fraudulent accounts still on my report and why are you asking me to pay something in order to change the status of the two accounts. XXXX said, our system shows that " someone '' using your likeness in California attempted to use the account. He said this information is from a different department outside his pay-grade. XXXX said although you have not worked in the US since XXXX, someone obviously used your information to open this account. He said I want to help you so if you just pay something this matter will go away. I told XXXX I will not pay and any charges and use of my name, likeness or social security number is fraudulent. XXXX said they will continue to report the accounts as a negative items and will update it as such going forward unless I agree to pay something. I told XXXX absolutely not. Especially after knowing the account was listed as a charge-off and US bank still wants something. I asked how is that helping the situation when you refuse to hear my concern? XXXX said I'm only in collections. I believe what you're saying but this is my job, to try and collect.
Complaint sub-issue: Billing problem

My son, had a loan with XXXX XXXX XXXX XXXX, I am a co-signer. I was making payments on this account. My son, filed bankruptcy, and this company was made aware of the process, however, they did not show up and no one was there to represent this company during the process. I continue, to make payments. They added more money onto the account after the bankruptcy, I filed a complaint informing them that they were overcharging, why is there more fees, being added to this account for the car, the representative, reviewed the account and agreed, that there are extra fees, and stated that she needed to send the account for review. There are fees that should have been written off because of the bankruptcy, was added instead of being subtracted. In XXXX of 2018, we received an letter stating that there was a balance of XXXX still owed, on the car after the review. 
I contacted XXXX, and the representative, confirmed in order to closed the account, I needed to pay XXXX dollars. I paid the amount and was informed that the account was paid in full, and someone will contact me as to where the title should be mailed. After three weeks, I didn't hear from anyone I contacted them inquiring as to the process of receiving the title for the car. 
I was informed that I should allow another week. In XXXX, they reported on the credit report that this account was closed, then I received an late on the credit from this same company, I immediately, contacted this company in XXXX, 2018, I was informed that there was a balance left on the account. 
I explained that I called and also received a letter stating what was needed to pay this account off, I called and paid that amount. They also, reported on the credit this month another late, and the account is still showing closed on the credit. 
I still have not received the title. Every time I call, I am now getting the run around with this company. but the are placing a negative impact on my credit and my son 's credit. Yet, the car loan is still reported as closed.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/23 I deposited a check into my savings account with Citibank that I received from one of my tenants. On XX/XX/23 at XXXX I was able to pay a bill and log on to my account. At XXXX my account had been restricted and all access to my account was blocked. I contacted customer service to inquire about my account and was told it was restricted due to the deposit of a stolen check. I told them it was not stolen. He stated that it needed further investigation and call back in 24 hours. I have called and spoken to numerous customer service representatives to be told that they need to verify the check by the maker but every time she calls they tell her that the phone number shes calling from is not in her name. They have already taken the funds from her bank but state that the check is unverified. They sent me an email on XX/XX/23 stating that they are closing my account and no debits or credits can come through but they accepted my direct deposit on XX/XX/23. They now have everything locked in an account and will not give it back for 30-60 days. 
Attached is proof that the check was valid and was taken from my tenants account.
Complaint sub-issue: Debt is not mine

Telephone calls received from Hunter Warfield for the past 11 months. Have not ever answered the calls -- can not provide details of reason for calls. 
Suspect that reason for call is a medical debt that my son 's wife owes. I have no debts and I owe no debts. 
Calls come from phone numbers XXXX XXXX XXXX, caller id is Hunter Warfield and XXXX XXXX XXXX, caller id is Toll Free
Complaint sub-issue: Account information incorrect

In accordance with the fair credit Reporting act XXXX Account with late payments, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of XXXX XXXX. Apparently they are the worse credit card company to protect the victim and help the thief. 
I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like XXXX  XXXX. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.
Complaint sub-issue: Deposits and withdrawals

I received an alert fro m the discover indi cating that my account was going to overdraw if I did not make deposit before  XXXX  I believe eastern time. I went ahead and followed their instructions on the email and set a transfer before that time frame on  XXXX / XXXX /  XXXX   so they would considered as settled even though the actual fund availability would take longer to credit the account ( according to the m ). Well tow ards the end of the day  XXXX / XXXX /  XXXX   discover decided to recall the accidental withdraw that was occurring in the account and assess a return fee. Keep in mind that they were recalling a payment from their own institution a  Discover Credit Card payment ( which they will most likely assess a fee on their card side as well ). This institution has no actual sister branches or self standing bank to make the deposit to cure d efault. This institution has no check accepting ATM contract with anyone to try to cure or make deposit that way. Their mobile check deposit according to them will be held at the same standard as if you were setting up a transfer. They have an overdraft system where they require you to open a savings account with a minimum of { $1000.00} ( not everyone has {$1000.00} dollars sitting around especially college students ). T heir checking product has this service where you gain cash back, I have around {$61.00}, previously I had tried getting to redeem these actual funds held by discover to correct a similar situation. They did the same thing and took their time to credit the checking account from funds they were holding. After I told them this apologize and provided a refund acknowledging that they had not been cleared that cash back gained from their check product also took time to credit checking account. In all this bank will not give any ability whatsoever to make deposit that will cover any outstanding withdraws but quick to charge you a fee and return the withdraw when they please. Also, I have had similar situations with this bank where they did allow the overdrawn account to sit while a deposit I made settled and no fee or return withdraw happened. I do n't understand how this bank expects you act promptly when they can not act promptly or understand that due to their lack of access you can not do much but try to correct an issue through avenues they provide.
Complaint sub-issue: Problem with personal statement of dispute

On XXXX XXXX I got a letter from XXXX XXXX XXXX. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from XXXX XXXX  XXXX  in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX. Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX  and with one I never heard of XXXX XXXX. Then Yesterday ( XXXX ) they made me aware of another credit reporting agency they used SageStream who are these people? I would like to file a complaint against XXXX XXXX XXXX, XXXX and Sage Stream for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX  and they were good.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 I sent a request to XXXX XXXX to validate a debt they listed. I gave them same info that they furnished to the credit bureaus. They responded telling me the information that I provided did not match any accounts that they have in their system. So I sent them a request to remove this account, As well as sending a request to XXXX, Equifax and XXXX with all documentation asking them to fully verify this account and provide me with that information or remove it. 

XXXX sent me a response that its " verified '' - funny how that works because the information was already said to be unverifiable by the company themselves. 
Equifax- doesn't do any investigation XXXX - updates comments stating it was verified but has zero communication with me. 

Ive included all correspondence as well as copy of credit report.
Complaint sub-issue: Company closed your account

Hi, Was told that my account is closed. But there was no communication till XX/XX/2022. 
I am not allowed to withdraw money from my account. I have about {$4500.00} in the account. This is my payment and I am not Abe to pay my bill and home mortgage. This will impact my credit report.
Complaint sub-issue: Reporting company used your report improperly

I tried calling and and reaching out to XXXX, equifax, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers XXXX XXXX XXXX ASSOCIATES Account Number : XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Investigation took more than 30 days

It has been well over 45 days since my letter was sent on XXXX, I recently disputed fraudulent identity theft accounts on my report and equifax, XXXX and XXXX  failed to respond to my dispute or remove any of the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that post on a credit report. In my letter I asked to see a contract with my signature as proof and 45 days later they have not sent any proof. equifax, XXXX and XXXX  are violating my rights also, under 15 U.S Code 1681b. they failed TO RESPOND that is in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY.

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

First Progress Card did not give me a provisional credit for a dispute that I filed on XX/XX/2020. Violation of Regulation e. The case ID number is XXXX, I still have not received my item from merchant XXXX.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I have tried to fix this with discover card they said they done a investigation and still hold me responsible I can't find my bill there is XXXX.dollars I think I should not have to pay I don't remember the charges for my self.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00}, XXXX XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had purchased an airplane ticket with XXXX XXXX using my Discover Credit Card to fly from XXXX XXXX, XXXX XXXX to XXXX XXXX, FL on XX/XX/2021. 
On the morning of XX/XX/2021 as I was preparing to go to the airport I received an email from XXXX XXXX telling me that the flight was cancelled. I had to buy another ticket at the last minute from XXXX XXXX and I was delayed a whole day before being able to depart. 
I contacted Discover Card and informed them that XXXX XXXX cancelled the flight and that I needed a refund. The Discover representative said it would be no problem to get the refund since XXXX is the one who initiated the cancellation. I uploaded screenshots of the email from XXXX XXXX showing that they had cancelled. 
Discover Card removed the charge of {$170.00} but yesterday they put it back on and when I call they keep me on hold without coming to the phone.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.