Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
Complaint sub-issue: Debt was paid

I was billed for my ex wifes cable bill. This was with XXXX and I paid, they still reported me as I didnt pay. I pay them again and they still show in my credit report as a close collection. The collection was open in XX/XX/2018.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX homeless n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Complaint sub-issue: Personal information incorrect

To Whom it May Concern : I am writing to update/correct my personal information on file with Equifax, XXXX, and XXXX. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Hello, I have a collections account under my XXXX report from I C System trying to collect a debt for XXXX XXXX but I do not owe XXXX anything. 


I called to confirm and they couldn't identify any ties between my account and I C Systems. 

When i called and told I C Systems this, they couldn't assist me in anyway but to get me to settle for a cheaper amount on the spot. 

They said I have to take it up with XXXX but XXXX told me to contact the CFPB to get it resolved.
Complaint sub-issue: Problem with fees

For the last few billing cycles I've been paying the full amount due on my account and not making any new purchases ; however, the each time I get my bill for the last two months, I find I owe a small additional amount. First I owed XXXX  dollars, now XXXX  dollars.

This seems to be unfair and deceptive billing practices and I want to lodge a complaint. I also want to ensure I'm not charged a late fee because of this deceptive practices. As a customer I feel I've paid my account in full, have not made any new purchases and lo and behold, I have money due unexpectedly. Since there's no " auto payment '' option for XXXX XXXX you have to manually log in view and pay the bill, increasing the chances for unknown charges in the amount of hidden fees. I believe they may have had a system change in timing for applying fee charges AFTER the customer statement is generated, thereby making it impossible for the customer to fully " pay down '' to XXXX  their account amount. This seems to be systemic abuse of the system, allowing them to charge customers hidden interest fees and collect " late '' charges deceptively.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$82.00} XXXX  XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Complaint sub-issue: Personal information

Over the last 3 months I have told Equifax via mail and over the phone my current address is XXXX XXXX XXXX XXXX NJ XXXX. I explained to them I do n't live or lived at either of the XXXX addresses they had o my credit report. They finally fixed everything about a month and a half ago. I just repulled my credit report and those XXXX old addresses are back and my current address is gone. I need them to put my current address back on my credit report and remove those XXXX addresses once again that I have never lived at.
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NELNET XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Received bad information about your loan

I've been struggling with getting any information from XXXX on my loans now for the last 3 1/2 years. I've already filed a complaint with the DOE and they refused to assist. They have added XXXX to my loan balance in the last 3 years. The first was XXXX for XXXX when I submitted my annual certification 3 times, which I have proof, before they finally acknowledged receipt. Then again on XXXX, XXXX was added when I switched the IBR plan I was on at their suggestion. And XXXX, XXXX was added for no apparent reason. My interest rate is only 4.125 %. There is no way any of these numbers are correct. I have never seen an annual capitalized interest statement for my accounts in excess of XXXX to XXXX. At the rate they are adding erroneous amounts, I will never get to a point where I pay any principal. 

My loans are in repayment, no capitalized interest should be added to my balances. I asked repeatedly for an amortization schedule for my loans before I finally got an answer. 
I was told they are unable to provide any accurate amortization via email. I am at my wits end. I have made countless calls and emails and have gotten no where.
Complaint sub-issue: Company closed your account

I requested this account be closed on XX/XX/2020 while speaking with account manager XXXX in the Arizona Office. When this account was closed, I was told multiple times that this account would not get any fees added to it and that my security deposit of {$200.00} would be used to pay the remaining balance of {$180.00} and that I would receive a check for the remainder of the security deposit that wasn't used. On XX/XX/2020 I received multiple phone calls from Citibank  's automated system to inform me that my account was past due and that it would be sent to collections. I logged into my Citibank account online and saw a balance of {$210.00} for my closed account. The account had been charged a late fee of {$25.00} and a Finance Charge of {$3.00}. I called the customer service line to find out what was going on with this account, being that it should be closed and should not be getting fees added to it, as I was told by XXXX. I spoke with multiple representatives that acted as if they didn't know what was going on and didn't see a problem with the account. After I spoke with an escalation manager named XXXX, she stated she would remove the {$25.00} late fee and the {$3.00} finance charge and notate the account in regards to the account closure and pending payment of the security deposit. When I asked XXXX about why did this account get fees, when I was told it wouldn't get fees, I requested that she pull the phone call from the day the account was closed, so they would hear what was told to me in regards to the account closure. I then requested to speak with someone higher than XXXX because she couldn't explain why someone had lied about the issue and Citibank had done the opposite. I spoke with another representative named XXXX, that basically was concerned more about the automated system 's calls to me and wanted to repeat the balance due on the account and not the issues of their lying to me, multiple times.
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$310.00} XXXX
Complaint sub-issue: Public record information inaccurate

I just received another can letter from XXXX and Equifax stating that they already verified the account listed below. But they never sent me any verification on this matter. 
This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
Chapter XXXX Bankruptcy Case Number : XXXX This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation.
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 XXXXXXXX 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: Reporting company used your report improperly

On XX/XX/XXXX, Equifax reported that a security breach compromised the personal information of millions of creditors.
On XX/XX/XXXX, I used the EquifaxSecurity2017.com website to determine that my information was breached - according to the site, " based on the information provided, we believe your personal information may have been impacted by this incident ... '' I also signed up for a 90-day fraud alert.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my credit reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Complaint sub-issue: Personal information

ALL XXXX of my credit bureaus have my maiden name listed. I have gotten married, got divorced from my XXXX marriage, and got remarried this year. These people need to listen and change my XXXX name!!!!! My maiden name is no longer valid!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is inaccurately reporting collections on my credit report. The balances are wrong and the date of last activity has been re-aged. It is a violation to re-age an account under FCRA 605 c running of the period,. Further more the company agreed to remove the account from my report. 

This inaccurate information is negatively affecting my chances of approval and is ruining my credit report and my credit scores
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are several different issues with all the credit reporting agencies. One in particular is XXXX originating out of XXXX XXXX XXXX has numerous inquiries on my credit report. I have NEVER had an account with them but they are constantly inquiring about my address, credit score, and reporting. In addition XXXX XXXX has permission to inquire about my credit standing which I have never approved. The three agencies have reported employment information incorrectly, disputes incorrectly, as well as living residences incorrectly. Also, my name has never been XXXX XXXX and other variations of this but I have only had approved accounts with XXXX XXXX, or XXXX XXXX. XXXX and finally XXXX XXXX XXXX. They wont correct this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax several times on XX/XX/XXXX I told them I was a victim of identity theft and I have 3 unauthorized inquiries from XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they did not remove the inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

The payment history of this account is incorrect. This was on forbearance under CARES Act. Please investigate and update with lawful accuracy.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX A Debt Validation LetteXXXX was sent to prove that this debt is owed to me. This is very damaging to my credit as I try to apply for my first home. A Debt Validation letter was sent on XX/XX/XXXX as of today XX/XX/XXXX this debt has not been proven to be owed by me. This company has not replied to the verification letter of this debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAY LATE - XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Information belongs to someone else

There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it. 

Hard Inquiries : CBNA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXX 2020
Complaint sub-issue: Account status incorrect

Hello, I come to you yet again in the hopes that you will actually do your jobs and hammer these XXXX XXXX XXXX  XXXX credit bureaus. Sorry for the aggressive language but I am XXXX tired of having my life XXXX  because people don't do their jobs!!!! 

The Following collection Amounts were ALL PAID IN FULL OR SETTLED FOR DELETE. EQUIFAX AND XXXX  ESPECIALLY HAVE NOT UPDATED A XXXX THING. I AM TRYING TO GET A XXXX  XXXX MORTGAGE AND NEED IT DONE ASAP!!!!!! 

XXXX  XXXX {$120.00} paid in full for XXXX XXXX XXXX. {$170.00} Paid in full for Delete XXXX XXXX. Original {$450.00} Settled for Delete XXXX. Was {$150.00}. Settled for Delete There should literally be NO COLLECTIONS on my reports anywhere anymore. I PAID AND OR SETTLED EVERY SINGLE ONE OF THEM FOR DELETE.!!!!!! GET THEM THE XXXX OFF NOW! PLEASE!!!!!!!!!!!!!!
Complaint sub-issue: Account information incorrect

Credit Reporting Agencies is reporting inaccurate information on my credit report. Credit Reporting Agencies has XXXX XXXX XXXX account listed as being opened XX/XX/XXXX, when in fact i never open an account with XXXX XXXX XXXXXXXX on XX/XX/XXXX. I have presented evidence to Credit Reporting Agencies showing the XXXX XXXXXXXX XXXX account has errors, and Credit Reporting Agencies has ignored facts presented. Credit Reporting Agencies also list XXXX XXXX XXXX as  a creditor when i have presented proof from XXXX XXXX XXXX stating, XXXX XXXX  XXXX is a creditor.
Complaint sub-issue: Information belongs to someone else

DRS Not mine or No knowledge of account successful icon
Complaint sub-issue: Can't use card to make purchases

Dear Friends at the United States of America, Notice is hereby given : I am natural person, consumer as the term is defined under the Equal Credit Opportunity Act ( ECOA ) and Fair Debt Collection Practices Act. I am filing this complaint for unfair and deceptive practice, credit discrimination, inducement of XXXX, as aggrieved applicant against Citibank , N.A . for deprivation of right to extend credit as creditor in accordance with the Truth in Lending Act and ECOA. I am submitting this complaint without any third party. 

I conditionally accepted application and extended my consumer open-end credit in credit sale via good and valuable consideration of completed application form in exchange for consumer product Citi Custom Cash Mastercard account XXXX 15 U.S. Code 1641 ( c ) offer accepted for open-end credit for consumer purposes only. The Assignee disapproval based on unverifiable and uncertified rumors in bad faith is unfair per 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and we request good faith reconsideration. 15 U.S. Code 1691b - Promulgation of regulations by the Bureau ( b ) Exempt transactions My capacity of operation is that of consumer and originating creditor, unless presumed otherwise
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Debt is not mine

I would like for the company to produce the contract that bears my wet ink signature. If they are unable to provide such documentation I would like for them to remove this item from my credit report as it is causing me great financial harm