Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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: Was not notified of investigation status or results

I CONTACTED THIS COMPANY 2 TIMES ALREADY IN THE PAST 75 DAYS AND THEY HAVE NOT GOTTEN BACK TO ME WITH ANY RESULTS OR INVESTIGATION. I CHECK MY CREDIT REPORT AND THERE ARE STILL ERRORS ACROSS MY ENTIRE REPORT. I TOLD THEM TO VERIFY ACCOUNTS AND THAT HAS NOT BEEN DONE AND ITS BEEN 75 DAYS THIS IS RIDICULOUS. I WILL ATTACH THE LAST LETTER I SENT THEM AND YOU CAN SEE THEY ARE STILL REPORTING THIS ON MY REPORT WITHOUT PROVIDING ANY RESPONSE. PLEASE HAVE THESE REMOVED FROM MY CREDIT REPORT THIS IS GETTING RIDICULOUS.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I have a XXXX XXXX XXXXXXXX and I have been paying on it for over 4 years now. Recently, I feel Flagship Credit Acceptance has not only called me daily to pay, they have also added late fees and have said those will not be waived and now are threatening me repossess my vehicle with little to no regard on the overall worldwide financial situation that everyone is through. I have another car loan and they are the complete opposite, as they have lowered my payment for 6 months, and have wave all late fees. Flagship customer service does not care if you have financial hardship, they do not waive fees and they do not care if right now many american 's are trying to do what ever they can to stay afloat due to the overall economy. I have paid, but as soon as I pay them, because I am behind they have continued to violate my right by harassing me daily with phone calls and threats to repossess my vehicle.
Complaint sub-issue: Account information incorrect

My XXXX XXXX account shows a lot collections and charge offs that are incorrect. It says my equifax score says XXXX but my actual equifax score is XXXX via equifax website.
Complaint sub-issue: Investigation took more than 30 days

Investigation took more than 30 days
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's XXXX, XXXX, Equifax, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX  IS BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, ( FIRST, LAST ), did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX : ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

submitted dispute to XXXX Credit report Agency, 2 weeks later no conclusion? 
their report has wrong information on a 10 year old credit card account from XXXXXXXX XXXX. both XXXX and XXXX have the same account closed in XXXX  XXXX. here in Oklahoma, debt based on written contracts have a limitation period of 5 years ( O.S. 95 ( 1 ) ), while oral contracts may only be collected upon for up to 3 years ( O.S. 95 ( 2 ) ). Attachment, or the legal seizure of property or a person, has a statute of limitation of 5 years ( O.S. 95 ( 5 ) ). 

this account is reaching 7.5 years old 2.5 years past the prescriptive date of the legal limitations?
Complaint sub-issue: Account status incorrect

False information about closed and paid accounys. Companies do not want to change it asreported. Call the co.paniy itself to help and the co.panies stated XXXX and Eqifax needs to change it. They do not want to help at all.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 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: Deposits and withdrawals

Good morning, You have an demand deposit account linked to the email address XXXX,  possibly under the name of XXXX XXXX, his number is XXXX. This person is involved in criminal activity and it is doing fraud. I transferred {$400.00} from my bank account to his account using the mentioned email on XX/XX/XXXX in exchange of concert tickets. He stole my money and never sent the tickets. I requested an investigation from my bank and requested to cancel the transaction within an hour of sending him the money. It was in process at this time. I want Citibank to take its fiduciary responsibility, refer this complain to the Bank Secrecy Act / Compliance Officer, conduct a research, monitor transaction activity in this account, and file a Suspicious Activity Report. This person should be in the radar screen of federal prosecutors as he is committing online fraud activity. See attachment for evidence. Please take action.
Complaint sub-issue: Information belongs to someone else

I have been dealing with this issue with Equifax for quite some time. I had two accounts opened without my authorization and have sent in all documentation necessary to substantiate this. Yet, Equifax continues to " re-investigate '' these accounts over and over with no result. This has been a huge burden on myself and my family because it is preventing me from purchasing a home. I need these accounts to be deleted once and for all because they are not valid.
Complaint sub-issue: Their investigation did not fix an error on your report

Disputed XXXX account for inaccurate information several times. Account still remains inaccurate after submitting documentation backing my dispute. My rights are being violated and I want to move forward with court proceedings!
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have +an 800+ plus credit score, income close to the top 1 % and impeccable credit - I've never been late paying a bill and have a large bank account. I was invited to apply for a City XXXX with 0 % for 18 months offer which I did. I was accepted and given a {$1000.00} limit. Most credit cards offer me XXXX XXXX, XXXX XXXX they offered me XXXX XXXX  limit. When I complained they had me apply for a credit card limit increase which was denied. I cancelled the card never having used it. I strongly suspect that when they saw that I would use the account and pay the balance each month they offered me much less than other customers with poor credit histories who I strongly suspect would get much larger credit balances. I never would have a applied if I knew the limit would be {$1000.00} and now I have two inquires on my credit profile. 

They said they'd send me a letter explaining why I was denied an increase. All the letter said was " We're unable to approve your request ''.
Complaint sub-issue: Received bad information about your loan

I thought the problem was resolved but it seems as if I am having the same problem. For your review and consideration I am enclosing a letter from Fed Loan servicing dated XX/XX/XXXX stating that my monthly payment was recalculated at {$300.00}. I am also attaching a letter dated XX/XX/XXXX that sates my monthly payment has been recalculated to {$440.00}. This amount is very close if not identical to what it was when I contacted your office originally. 

I would respectfully stress that I have not submitted any additional documentation to fed loan servicing regarding my income since XX/XX/XXXX. They are using the same exact documentation they had when they issued the letter on XX/XX/XXXX to come up with this amount. I have not been successful in getting a satisfactory explanation at how they arrived at this figure. 

I would be grateful for your assistance in getting the amount back to the {$300.00} that it was previously. 

Respectfully, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

16th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted lexis nexus multiple times about an accident on my consumer report that did not happen to me. I am a male and this accident happened to a female with the same name but different spelling. The person the accident happened to has a different birthday, XXXX, spelling of their first name and the accident happened in a state i have never resided or visited. They have denied my despite 3 times and this whole ordeal has cost me over {$500.00} with my new insurance company in fees. I've never owned a car untill XX/XX/XXXX of this 2020 and have never had a drivers license or driven in my life. If lexis nexis does not fix the issue at hand then I will have to use legal acton due to the hundreds of dollars I am being charge monthly from an accident that did not happen to me.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I had an auto loan a very ling time ago with XXXX XXXX XXXX. The loan went into default & was charged off. It remained on my credit report for 7 years & was then deleted. There was never a collection agency that picked this debt up. Just recently on XX/XX/21, this shows up on my credit report as delinquent & in collections by XXXX XXXX XXXX. I had never heard from these fokks before. I called them & they explained they purchased the debt from XXXX. I advised this was charged off & was already deleted from credit report. They refuse to delete & threatened legal action. I then contacted XXXX. They confirmed they never sold this account to this company. I looked up reviews for XXXX XXXX & I see where they have done this to several others. They dig up old accounts & try to collect on them. They have reported to all 3 credit bureuas and my scores have dropped tremendously. I do not understand how a debt that was deleted from my credit report because it had already been on there 7 years can be added back. Also, I have never ever heard from these people. Seems like a company scheming to get money. I can search for my old credit reports that show the original account. This company needs to show where they purchased this account, show proof they communicated with me, & also show proof of the original creditor. They will not have this info. I need this item rwmoved from my credit report immediately!
Complaint sub-issue: Information belongs to someone else

I have addressed this fraudulent account previously with both CFPB as well as The Lending Club, unfortunately, the complaint is closed by CFPB immediately upon receiving a response from the company regardless if the issue remains unresolved. This is not an account opened by me. The company responded in XX/XX/2017, indicating that I have not provided them with the required documentation, which is FALSE. I have been in contact with your investigators and have submitted all the information above once again on XX/XX/2017. On XX/XX/2017, I was contacted via email by Mr. XXXX XXXX, who stated he had not received the requested affidavit, I reminded Mr. XXXX that the required documents were sent to his inbox ( XXXX ) on XX/XX/2017. Mr. XXXX responded and stated that he required an incident report be filed as well, I replied informing Mr. XXXX that an incident report was not something I could furnish as per my notarized agreement with the Individual responsible, ( which I provided to the Lending Club ), in exchange for her admittance, I would not file charges. I have not heard from Mr. XXXX, nor any representative from The Lending Club since. The Lending Club has a copy of the signed agreement and all documentation, so I am unsure why they are requesting me to violate a notorized statement. 

This situation has dragged on for many years, and I am desperate to put it behind me. I am willing to work with the company, as I've always been, to come up with an agreement to resolve this issue once and for all. The entire ordeal of having someone extremely close to me cause such chaos, and turmoil in my life financially, mentally, emotionally and professionally has been tough to move past, especially with the remnants of her actions lingering on my credit report, military, and XXXX XXXX record. I ask The Lending Club to work with me to come to an agreement that is both fair and satisfactory to both, the company and myself so this situation can be put to an end once and for all. 

I look forward to hearing from representatives of your company. 

XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I asked for copy of bill, because I don't owe that amount. My XXXX account was switch by XXXX XXXX XXXX. Enhanced Recovery ( collection company for XXXX XXXX said they could not give me a copy of the bill, because it's in collection.they also put on my credit report once I applied for a pre approved mortgage loan. Please assist.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have told Loanme to stop communicating with me and they know I am represented by an attorney yet they continue to communicate directly with me. Once again I want this harassment to stop! They refuse to resolve/settle the matter and continue with sheer disregard for the California Fair Debt Collections Practices Act. No exception exists that they may contact me when I've asked them not to and when they know that I am represented by an attorney.
Complaint sub-issue: Company closed your account

Received notification from the credit agency that is monitoring my credit ( XXXX XXXX  ) informing me that my MACY credit card was closed, when reaching out to MACY customer service was inform that they closed account without informing consumer?! no email/text or regular mail notification ; i ask is this a fair practice?! as per manager XXXX when contacted XX/XX/21, which she sounded cold and no empathy ( given that FACT i've been effected by the covid situation this past year-which XXXXe way or other effected my credit score ) about the situation of account being closed..

during conversation manager did not give any explanation just stated " we could do what we want as a company '' without no obtions or alternatives, kept stating i signed a contract which states they could cancel account whenever they want ....?! 

please advise and assist in this situation ... 
thank you..
Complaint sub-issue: Other problem

During this COVID pandemic, I got distracted by caring for a sick family member and was late on my credit card payment with CITI. I have had this account for 5+ years, always in good standing, never a time where I did not pay or became delinquent or had any issues reported on the account. I got an email stating my account was late and they refunded the late fee because I have never missed a payment. When I first got this, I was do grateful and happy they were proactive with that. That moment, I made the payment online and the account is current. Again, never any issues with the account. This missed payment was in early XXXX 2020. Then, today, I got a separate notice saying they adjusted my credit limit down, decreasing my available credit and sighting " my utilization of credit with other accounts was high. '' My credit utilization has been the same for the last 2-3 years. This particular account has not been used for many many months as a way to positively impact my credit utilization. By Citi taking this adverse action at a time of a global pandemic and lowering my credit, it puts me in a worse position because my credit utilization, which they sight as the reason for the adverse action and reducing my line actually makes my credit utilization WORSE. It is unfair and unethical to impact customers in good standing during a time of national and global crisis while at the same time publicly stating Citi is here to help people impacted. This type of adverse action is uncalled for. My credit profile has not changed in years and I think it is unfair and irresponsible to be taking adverse action on a long time customer, in good standing who made a mistake by paying an account late in the middle of a global pandemic.
Complaint sub-issue: Their investigation did not fix an error on your report

Around XXXX XXXX 2019 received completed compliant from XXXX   XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XXXX .All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX2019 when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In the past week, Equifax, XXXX, and XXXX have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score. 

I also fail to understand how the removal of an account that was the result of fraud can lower one 's credit score.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from IC Systems in XX/XX/XXXX. The letter is dated XX/XX/XXXX. The letter stated that I owed {$59.00} with an account number to XXXX. I was a current customer with XXXX  at the time. I called the agency and they stated they received the account 5 days ago and that is was from equipment from XXXX. I told them that there was a mistake that all equipment from me moving was returned. I then called XXXX and asked them why they did not reach out to me regarding a balance when I am still a customer, I receive a bill to my current address, and transferred services when I moved. XXXX  advised me that they mailed a bill to my old address by mistake. I informed them that I returned the equipment. A representative stated that she would research it and give me a call. I never received a call and called to follow up on the research. I received a notification that the collection agency reported the {$59.00} on my credit on XX/XX/XXXX. I disputed this with XXXX. XXXX  never or the collection agency called me back to validate the debt or provide me an option after I disputed the debt to make a payment to avoid any reporting to my credit. XXXX  clearly admitted to making a mistake. If I am still a customer and had an up to date account why wouldn't they mail it to my address that I provided and still used? Why did they wait over 2 years to report to collections and why did no one ever return my phone calls to state they are still collecting. This was extremely unfair to the consumer that is blind sided by a debt not owed.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX reported a forcible entry and detainer case to credit bureaus XX/XX/XXXX.The case was dismissed XX/XX/XXXX in general sessions court ( voluntarily non-suited at plaintiffs cost/dismissed. ) I contacted warfield many times since dismissal-general court clerk faxed dismissal to them XX/XX/XXXX, they still will not remove from my credit report, instead when I dispute with XXXX credit bureaus and its removed they update report by adding a dollar to amount owed. In XX/XX/XXXX they updated report twice- by stating I had paid 5 % of the collection amount which is totally not true-by adding a dollar to amount {$1100.00} then $ XXXX.I was told by court clerk that I owe nothing because case was dismissed.Here it is 3 months later and again they have updated report increasing amount owed.I been refused housing and credit because of there continually updating my report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX have both agreed to remove 5 inquiries off of my report due to fraud activity after multiple conversations and multiple disputes which were supposed to be actual removers. I 've given them all information needed and also followed their removal process contacting the other companies. I sit on hold for over a hour each time I call, I 'm not sure if they are just telling me they are going to remove them just to get me off the phone quickly or what, but it has been multiple times they have told me these items will be removed and still no result. I put a freeze/ fraud alert on my account and everything. They told me they would be removed but still no results at all. The inquiries were : XXXX XXXX twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX. These inquiries were not authorized by me.