Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

My XXXX  credit report shows a collection agency - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX opened a collection account for the amount of {$440.00} on XX/XX/2018 from an original creditor - XXXX XXXX XXXX. 
I have disputed this with Transunion on XX/XX/2018. 
This account does not belong to me and I have requested XXXX   to remove it from my account. They have not done this. I researched XXXX XXXX and have found this is a scam company. 
I do not recognize this creditor nor have I taken a loan from XXXX XXXX XXXX on XX/XX/2018. 
The collection agency never contacted me, nor has XXXX XXXX XXXX to prove that this is mine. 
Please help me to remove this from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Todays date is : XX/XX/XXXX Regarding Account : CERTIFIED MAIL RETURN RECEIPT REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling. 


Account Name : Account Number : Charge : Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. 

You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. 
Also, make sure late fees are accessed properly. 
In this regard, I hereby request the following steps to remedy this situation. 

To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account.

Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company.

Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date.

If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others. 

If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. 

XXXX thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Complaint sub-issue: Overdrafts and overdraft fees

Hi my name is XXXX XXXX. I bank with bbt XXXX NC. My savings account was overdrawn by almost XXXX dollars. Well my XXXX check went in on XXXX XXXX next morning my card was XXXX. I called the bank the lady said she would unfreeze it ok cool.well.well the next day they took the XXXX and left me with almost nothing. My check was for XXXX. She did n't say there was a possibility there going to take that amount. Now I ca n't make my house payment. At least waive the fees or take half this month and the rest next month. Or split the difference all together. Thanks, very concerned citizen. XXXX XXXX
Complaint sub-issue: Debt was discharged in bankruptcy

There is an open collection account on my credit report from AFNI on behalf of XXXX. This debt was discharged in my bankruptcy. The note in the collection account listing even reflects chapter XXXX bankruptcy but the collection account is still showing open when it should have been removed 5 years ago.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and XXXX, XXXX and Equifax has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with XXXX, Equifax and XXXX. According to XXXX XXXX monitoring credit and scores my XXXX credit scores is at XXXX, Equifax XXXX, and in my free membership with XXXX monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a US Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX Act under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XXXX XXXX and XXXX , Texas Federal Judge Discharged on XXXX XXXX and as I view my credit report XXXX, XXXX and Equifax was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1.XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXX .XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX.XX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  Pre.owned Auto.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13.XXXX XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX 18.XXXX XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX 20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures
Complaint sub-issue: Information belongs to someone else

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

Well from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX took {$10.00} {$80.00} {$100.00} from my account. And XXXX XXXX  took {$130.00}, {$42.00}, {$110.00}, {$36.00}. not only do I not know what XXXX XXXX  is when I tried to dispute these charges with credit karma they said disputes need made within 60 days of the statement month. However credit karma does not issue account statements. Furthermore no where in any of the things they send you about the account does it tell you about the alleged 60 day rule. They call questioning transactions at your local gas stations, but never about online transactions such as XXXX XXXX  and XXXX XXXXXXXX as fraudulent.
Complaint sub-issue: Debt is not yours

I have received about 20 text messages from XXXX collection group telling me to pay XXXX XXXX, first {$920.00} and now {$620.00}, using their site.. Sometimes they stop a few days then start up again. It has been going on for about 2 months, yesterday is the most recent attempt. It sends a link where I can connect to and pay. A person claiming to be XXXX XXXX called me in XXXX this year telling me my sister owes him money, did not say how much. His number is XXXX. I told him my sister had a major XXXX recently but I have not seen her in over 2 years as she moved away and because of fear of Covid I do not travel. He started to bad mouth my family. This debt was paid by my sister but the text messages are still being sent to me. When I texted back, " Fraud '', the response was that they did not understand my message. I looked up the number and found that over 2000 complaints have been filed against whoever owns this number, there are a group of numbers, are similar. I am unable to block them. I want to report them, both the person who wants the money, and the " collection '' link.
Complaint sub-issue: Account information incorrect

I closed my account with  XXXX  back in  XXXX   2015 but  for some unknown reason, they are pulling my cred it 2015 until  now. I tried to dispute with Equifax but I was told that I can not dispute it since it is the account I had it before. I called  XXXX  but they told me to speak with Equifax. I am suspecting that somebody is using my name to obtain a credit card or something is going on here.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy XXXX  Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Complaint sub-issue: Problem with personal statement of dispute

On  XXXX   XXXX ,  2017  at  XXXX , central time, I sent a multiple inquiry dispute letter to Equif ax to  dispute  XXXX  hard inquiries that was being report. Equifax received the letter  XXXX   XXXX ,    2017  and complete the process on  XXXX   XXXX ,  2017 ! How can Equifax complete a thorough investigation by contacting all  XXXX  companies, getting their paperwork WITH MY signature, because I have n't applied for credit, employment, or insurance and make a decision  in ONE DAY? I received the same response for all  XXXX  hard inquires, which was, " inquiries are a factual record of files access.   If you believe it 's unauthorized contact the creditor. '' According to the FCRA rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do n't investigate and respond the credit reporting agency,  which is Equifax, must remove the disputed information from it 's files. The fact that Equifax came to a conclusion a day later, one can only assume that their was no investigation to any of these  XXXX  hard inquires. I will upload supporting documents below showing the date when the dispute was received and the letter from Equifax with the date the lack of investigation was completed.
Complaint sub-issue: Other problem

US Bank set up automatic payments from my XXXX XXXX XXXX XXXX XXXX account ending in XXXX without my consent. After reviewing my US Bank account online, I realized that three automatic bank drafts ( {$200.00} XX/XX/XXXX, {$190.00} on XX/XX/XXXX, {$190.00} XX/XX/XXXX ) were paid from my credit union account that I didn't authorize. 

Prior to contacting US Bank, I attempted to remove the auto-pay and my bank account online, but there wasn't an option on the payment option. The representative, XXXX, was unable to remove the auto-pay form the account as well, and she couldn't explain the reason that US Bank was accessing my personal bank account without my consent. 

I spoke to a supervisor, who was able to remove the auto-pay, but she couldn't explain why the unauthorized payments occurred. She submitted a request for a refund which may take 7-15 days. This should've never occurred where US Bank is accessing my bank account without permission. XXXX, a supervisor for US Bank, submitted a refund request to the Research Team, which will take approx. 5 days, and additional 17 days to be processed. This time-frame doesn't include mailing the refunds. Therefore, rather than US Bank processing the request for refunds, I have requested my bank to refund the debits based on unauthorized debits.
Complaint sub-issue: Frequent or repeated calls

Citi card keeps on calling my number 3 times a day. This is a violation of FDCPA. This is also harassment
Complaint sub-issue: Reporting company used your report improperly

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Texas XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

AllianceOne the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$1300.00}. AllianceOne is in violation of Title 15 USC 1693e. ( 1 ), ( 2 ) ( a ) ( b ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts AllainceOne may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.
Complaint sub-issue: Trouble with how payments are being handled

At the beginning of XXXX, 2017, I emailed fedloan requesting a payoff for a direct parent plus loan as I needed to pay off the loan in order to close on a mortgage. I did not receive a response. I called to request the amount one week later. No response. I called the third week in XXXX and finally received the payoff amount of {$3000.00}. I brought this amount to the closing table with the loan payoff details. I verified with closing agent the check was sent overnight. Fedloan did not put the money toward the payoff. I called in XXXX and was told a request would be sent reapply the amount to payoff the direct parent plus loan. In XXXX I called again to request the amount be applied to pay off the parent plus loan. I was first told it should have already been done and would now only take @ 24-48 hours. I then asked who regulated fedloan and was sent to a supervisor. The supervisor stated it would take 7-15 days. All communication for requests could only be sent via email. No one could talk to those that process the requests. During this whole time I monitored my fedloan page for any upcoming payments. Balance was always XXXX. XXXX 2017 would have been my first month coming out of grace period. It has been my experience in the past if I made a large payment over what was due the balance was always XXXX. Now that the payment has finally been processed to pay off the parent plus loan my fedloan page is stating I am past due on payments. States I have not made a payment since XXXX 2017. I made a payment of {$420.00} XX/XX/XXXX. Now it states I am late and have a past due amount of {$930.00} yet still have a XXXX balance due for XXXX. It seems to me this fedloan unethically tries to take advantage of me by putting my payments where ever is the best interest for it 's bottom line. I feel as if I am at a disadvantage and am vulnerable to a loan shark. It took months to resolve this issue and now they are hitting me with past due interest for retaliation for me paying off the parent plus loan. I have always paid off education loans quicker than the designated time frame. My payoff history shows the proof. Now, looking back in my fedloan inbox I see a response stating the payoff was insufficient and my repayment terms have changed. It seems my statement that I would file a formal complaint to who ever regulates them changed their mind and they applied the pay off to the parent plus loan. Now, they have added unrealistic additional interest charges. American students of higher education beware of fedlaon!
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX
Complaint sub-issue: Company closed your account

On XX/XX/21 I logged in to my N26 account to check my balance, and was not allowed access as the company suddenly needed photo verification. Despite N26 already having photo documentation on file, I immediately complied and submitted a photo of my passport that day, and the N26 app said it was reviewing my documents.

The next day I received an email that I had violated N26s terms and conditions and my account had been closed. A quick internet search shows this EXACT same thing has happened to hundreds if not thousands of people.

N26 annually asks customers for photo verification, and when the photos are rejected by their internal review team for who knows what reason, your account is closed no matter what. Theres no discussion, theres no request for another photo or explanation of what the problem is, and the remaining balance is sent to the address on file.

I in no way shape or form violated N26s terms and conditions. But of course they have a fun line in section A ( 18 ) that they may close your account at any time for any reason or no reason. This qualifies as no reason, and hence is justified. 

No one should ever have their account shut down for absolutely no reason, with no explanation and no way to contest or restore their account. This is a terrible business practice, and has caused a lot of financial duress and insecurity for thousands of people.
Complaint sub-issue: Attempted to collect wrong amount

ERC called me about a debt I owe for {$170.00}. I disputed and requested an itemized statement. They sent me a statement which shows I owed {$52.00} to XXXX XXXX. I called ERC and spoke to XXXX XXXX on XXXX @ XXXX and he was n't able to justify the billing amounts. He said let me get manager on the line and I spoke with XXXX XXXX @ XXXX. I asked him again why ERC is billing me for {$170.00} when the " itemized statement '' is showing only {$52.00} balance from XXXX. XXXX XXXX replied he does n't see what was sent to me and they do n't charge any interest or collection fees. I told them I wont pay {$170.00} if they can not justify the correct amount. The facts are not matching up so I informed them I will report this matter to the bureaus.
Complaint sub-issue: Information belongs to someone else

I am distressed that you have included NTL RECOVERY AGENCY information in my credit profile on XX/XX/XXXX & XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate 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 respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



Thank you,
Complaint sub-issue: Debt is not yours

XXXX has failed to validate a debt reporting to my credit report in the amount of XXXX. I sent out a validation request in XX/XX/XXXX and again in XX/XX/XXXX in writing by certified mail. As of today they 've failed to validate this debt.