Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that the company efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The company is reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the account must be deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are hard inquires showing on my credit report on dates XXXX, XXXX, phone number XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax continues to report inaccurate information on my report despite numerous attempt to dispute negative items on my report. I have send evidence from the original creditor that clearly it is being reported inaccurate but comes back verified. Equifax is also reporting Bk on my report which cleary belongs to a family member they can not give me accurate verification methods use to verify the Bk I contacted the court and the court stated they do not furnish information to the credit reporting agency which equifax claims they verified the account which is false verification and violates the FCRA. I also have have court documents stating that the court do not furnish information to the credit reporting agency. Also the website never works correctly and when you call you can never understand the person you are talking to because they are from a different country. I will cancel my membership after 15 plus  years very poor service. I have a credit alert from other source and today EQUIFAX decided to report an open account ( closed ) and report it as bankruptcy. I will also file a complaint to the BBB and to my cogressional representative.
Complaint sub-issue: Debt was paid

The account in question is a XXXX XXXX XXXX account ending in XXXX with Citibank. This account was previously settled. We reached an agreement with Citibank in XXXX of XXXX. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of 10 payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in XXXX. 

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last 4 of the account number the funds were supposed to be applied to. On the proof of payments that we have of payments sent, the Client 's name, SSN and the last 4 of the account are clearly printed electronically. Once those payments are received, a human agent hand writes the full account number on each check and this was the case for the 7 payments we sent. 

XX/XX/2018 - {$1400.00} XX/XX/2018 - {$1400.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$1400.00} TOTAL : {$7400.00} ALL payments we sent had the correct account number hand written on the check EXCEPT for the first payment ( {$1400.00} ) that was sent on XX/XX/2018 and received on XX/XX/2018. On this one check, a human agent wrote the wrong account number. Instead of filling out the account number ending in XXXX, they wrote an account number that ends in XXXX. Clearly the wrong account and more importantly, not our fault or that of XXXX XXXX. We ask that this account reflect as settled for less than the full balance. We understand those funds were applied to the incorrect account and it may be difficult or impossible to move those funds to the correct account. Unfortunately, our client has completed their obligation to send payments for the settlement and all the required info was printed on the check and was 100 % legible. We understand this was a human error but my client will not and should not overpay the settlement. We appreciate your review of this complaint once again!
Complaint sub-issue: Account information incorrect

I bought a car from this company in XX/XX/XXXX. I was promised a 3 month warranty. I was told that if anything went wrong within the three months that they'd fix my car for free. The morning after I bought the car, I started having issued and I returned it back to the dealership for repairs. I have an email with all paperwork to prove it. A couple of days later I got my car back and it was still experiencing old and new problems. For two months I begged the company to fix my car and they refused to do anything more to it although I was rightfully within the three months. Although the car had issues, I understood that the payments were reporting on my credit and that's why I HAD NEVER MISSED A PAYMENT. You can review my credit report to see that I had always made on time payments. One day towards the end of XX/XX/XXXX, going into XX/XX/XXXX my car had completely shut off at a red light. I was stuck in-traffic and I had to have my car towed to my home. After that, the car never would start or move. I called the car company and asked them to fix it and they refused, so I made my payment and VOLUNTARY asked them to pick up the car as there was not any use for it. After the car was picked up a Representative named XXXX XXXX ( XXXX ) called and told me that I was right and that there was terrible issues with the car and that it would start start when they picked it up. XXXX said that they could fix it for me and give it back because he realized what the company was practicing was wrong and unfair and he also said that I had great payment history.I never heard from XXXX afterwards. I sent him an email following up with our conversation and he never responded. I asked this company not to report this to my credit and they not only have but they are putting false information on it as well. The car was repossessed in XX/XX/XXXX. On my credit report they saying I missed a payment in XX/XX/XXXX and that the car was " involuntarily repossessed in XX/XX/XXXX. Also they say that I have also made payments on this car in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. How could I have made these spontaneous payments on a closed account and on a car that's been gone 2 years? Also, please show me the receipts and forms of payments I have used to pay. I demand that this car and balance and company is removed from my reports completely.
Complaint sub-issue: Account status incorrect

There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change it.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I sent my request off on XX/XX/XXXX, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

1. ) XXXX  Account DEPT OF ED / XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX # # # # # # # # # # # # XXXX 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 According to the FRCA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate.
Complaint sub-issue: Other problem getting your report or credit score

Needing to understand what information the service had after denying my historical pristine credit ( they have a XXXX score for me that I have never even been close to in my life ), I requested a report. There process is designed to prevent you from ever seeing the data. After ordering the report - which must be sent by mail - the mailed password provided to access my credit report - get this : On-line - was not valid or active. Attempts to reach the agency to determine why they sent an invalid pin are virtually impossible. The wait times are horrendous and they never answer your call, or disconnect you while you are in queue waiting. Its all designed with one intent - to make you give up.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Contacted me after I asked not to

My student loan had been discharged XXXX/XXXX/2010. Nelnet claims I did not contact that last year and so without warning since XX/XX/XXXX they have been taking {$150.00} from my XXXX check which I am barely living on. Said I have to re-apply. I did and have also shown proof of emails where I have tried to contact them in past XXXX yrs. I sent everything they needed in the packet. I have called several times each time they have my wrong address. Each time I give them the correct one, although the mail gets to the right address. I have XXXX of which I have been working very had to stay off XXXX medications but these people keep sending letters saying I forgot this and that when I have copies of everything I sent them. I volunteer at XXXX XXXX XXXX and they helping me but I just got another letter from them saying they ca n't process till they have section XXXX from the Doctor which was sent in the packet. I called and it is because the doctor did not write XXXX , he wrote XXXX . This is ridiculous.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2018 .... I mailed identical hand-written disputes to be filed and addressed within the 30-day allotted time frame with all 3 credit bureaus and have yet to receive any update, nor any revised report reflecting the changes.

Consumer Rights according to the FCRA allow a 30 day review and if not timely responded, then the derogatory item disputed is removed from the consumer report.
Complaint sub-issue: Account status incorrect

There are numerous problems with my credit reports and I am including a letter to descibe all of them
Complaint sub-issue: Received unwanted marketing or advertising

This is a CONTINUATION of complaint # XXXX with XXXX and XXXX XXXX vs Clear Path Lending. As of today, XX/XX/2020, we have CONTINUED TO RECEIVE mailings from Clear Path Lending, despite all the steps that we have taken to have them cease and desist their onslaught of unwanted marketing solicitations!!!!! 

What can a consumer do??? It's unnerving, really! The waste and unmitigated gall that they have promised in writing to you that they will not contact us and lied and still continue to clutter our lives with unsolicited marketing is a real concern to me as to whether they have any regard for authoritative limits at all. We have said, " Stop '' ; you have told them to stop, but have they? Evidently NOT!!! Are they above the law and conscience? 

PLEASE, what can we do to STOP these people??? If they are doing this to us, they are doing this to millions of other VA home owners, bless their hearts, and they don't deserve that either. No Veteran does.
Complaint sub-issue: Add-on products and services

I recently discovered that Citi has been charging me a monthly fee for a " Payment Safeguard Protection '' program that I did not enroll in. I contacted the company and they have canceled my enrollment but were unwilling to refund me for the unapproved charges.
Complaint sub-issue: Debt resulted from identity theft

I have never had a cell phone with XXXX! I have only had XXXX XXXX service!!!!
Complaint sub-issue: Information belongs to someone else

Fraudulent account open with the XXXX XXXX XXXX on XX/XX/XXXX the XXXX XXXX   XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have send numerous letters to Equifax to delete errors on my credit report, no matter how many letters i send, they dont fix anything, i send all letter with a copy of my driver license, social security card and they send a letter saying i must send those docuemnts, i am tared of their irresponsibility and lack of care showing teh following errors : XXXX XXXX  XXXX XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl reported XX/XX/XXXX Never lived at any of this address and must be removed consumer statement Fraudulent application may be submitted or my identity may have been used without my consent to Fraudulent ontain goods or services do not extend credit with out first verifying the identity of teh applicant this security alerts will be maintain for 1 year begging XX/XX/XXXX XXXX Inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX none authorized by me..no documentation that proves i did them
Complaint sub-issue: You told them to stop contacting you, but they keep trying

My attorney told this company to stop calling me. They still called my personal cell phone.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX is reporting an account on my credit report that the subscriber/creditor has told EQUIFAX to delete or remove from the file. 
The account is XXXX XXXX  XXXX, ACCOUNT NO.XXXX. 
FOR VERIFICATION OF THE ABOVE contact XXXX XXXX of S.C.E. LEGAL AFFAIRS DEPT. at XXXX ) XXXX.
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXXBalance : {$240.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting issues.
Complaint sub-issue: Account information incorrect

XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with XXXX and XXXX.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.
Complaint sub-issue: Investigation took more than 30 days

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response
Complaint sub-issue: Overdrafts and overdraft fees

I was using my PNC debit card this Monday XXXX to take my daughter to the zoo. I had all of my money accounted for and knew how much I could spend at the zoo. I only bought 1 bottle of water for {$4.00} and there was plenty of money in my account. 

I woke up the next day and saw that my PNC account was somehow overdrawn. They also decided to take all the money out of my savings account, which was about {$240.00} and placed it into my checking account, which supposedly fixed the overdraw. Even after transferring the money they then decided to charge me {$39.00} three times for a total of {$100.00}. 

I called PNC and was put on hold for about 25 minutes. When I finally was able to get a person to talk to they had no clue what they were doing and did not want to help me. I eventually just hung up on them because they were not being helpful. 

I called PNC bank and finally got a hold of someone that tried to help me. I wanted them to explain how I was over drafted and I wanted the fees refunded. They were not able to explain to me how my account became over drawn and they also refused to return the {$100.00} in fees. 

I asked to speak with a supervisor, but apparently, they did not have one available to speak with me
Complaint sub-issue: Information belongs to someone else

I HAVE INFORM THESE COMPANYS THAT I HAVE NEVER DONE BUSINESS WITH THEM OR SIGN FOR ANY PRODUCT OR SERVICE YET THEY ARE STILL REPORTING THESE ACCOUNTS ON MY CREDIT REPORT.
Complaint sub-issue: Information belongs to someone else

I recently obtain a copy of my credit report and noticed several accounts that did not have any knowledge of
Complaint sub-issue: Not given enough info to verify debt

I was contacted by Procollect collection agency about an apartment i rented in 2013. during that time i gave a 45 day notice i would be breaking the lease and paid an % XXXX Re-Letting fee. a couple weeks later the apartment i was renting was rented to another person. a month after that my account was reported to collections even though they stated after the apartment was re-rented the only penalty i would pay was the re-letting fee i had already paid. i have contacted the collection agency XXXX asking for verification of the debt both times they told me the would e-mail it and mail it through the post office. Neither time did i receive any verification of the debt. i sent them proof of my 45 day notice of me breaking the lease and the money i paid for the re-letting fee. They then told me they would subtract the re-letting fee i paid from the principle debt. which they never did. and i still have no verification of this debt.
Complaint sub-issue: Debt is not yours

XXXX is reporting collection accounts that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX, and recovery one. By law this is illegal and they must remove them immediately!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I tried to dispute charges on my Citi Card with a company called XXXX   XXXX XXXX. The charges on 2 of my Citi Cards totaled over 8,800.., but I paid XXXX XXXX in total over {$16000.00} for services that were never provided. That is the reason for this dispute : I did not receive the product and services as was described to me. 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to make a successful online business. 

In that period, I was taken advantage of and defrauded for thousands of dollars by these companies who allegedly and falsely promised me great earning potential. I was led to believe I would greatly benefit by signing up with XXXX XXXX XXXX to market my website. In total I have paid them thousands of dollars to create a website that is worthless and non- functional. Instead I have been left with severe debt because of their false promises. 
It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.
Complaint sub-issue: Investigation took more than 30 days

I have XXXX fraudulent accounts showing on my consumer profiles that I have no knowledge of nor signed my signature for.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit reporting agencies are required to remove any account listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the account which does not belong to me or was opened without my permission. XXXX XXXX XXXX XXXX Balance {$10000.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status

Contacted Equifax XXXX XXXX # XXXX to request deletion of outdated account XXXX XXXX # XXXX. CRA is re-aging date of first delinquency ( XXXX ) to date of charge off ( XXXX ). I told him that the creditor has 90 day to report the charge off per section 623 ( a ) ( 5 ) which is the ( XXXX ) date
Complaint sub-issue: Public record information inaccurate

Identity Theft Bankruptcy XX/XX/2013 error. not mine
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT HAS BEEN AFFECTING MY CREDIT SCORE. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE ; I WOULD LIKE A RE-INVESTIGATION INTO THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT REPORT.