Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I placed an order for food delivery from XXXX XXXXXXXX 's through the XXXX app. After about an hour, I got a notification that the food could not be delivered. Per the app, the driver had already picked up the food. When I placed this order, I also signed up for the XXXX monthly membership, in order to get free delivery on this order. I contacted XXXX customer support, and all they would tell me, is that the driver could not complete the delivery and I would be refunded for the order. Since I added the membership to this order, I asked if my membership would be refunded too. Per XXXX, they cancelled the membership. I discovered the next day, that they cancelled the membership for the next month. I wanted it cancelled immediately, because I didn't get the order that I requested it for. When I contacted on XX/XX/XXXX, XXXX said that due to recent refunds and adjustments on my account, they were not willing to cancel my membership. As I mentioned, I only signed up for this membership because I had ordered the food. The food wasn't delivered. The entire order, including the membership fee, should have been cancelled. I advised XXXX that I would follow up with my bank. I contested the charge with Key Bank. They granted a temporary refund while they researched the charge. After almost three months, Key reversed the refund, saying that they couldn't help. All of that brings me here.
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB XXXX to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my sixteenth ( 16th ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/2012 XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Debt was result of identity theft

Fraudulent account. Opened without my knowledge, consent or authority. Please remove.
Complaint sub-issue: Information belongs to someone else

Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Complaint sub-issue: Old information reappears or never goes away

Experience wont let me remove several companies from my credit report. Many of the transactions were handle already like the XXXX XXXX XXXX. That one was an account that got transferred to XXXX XXXX who then paid the account off. The XXXX charge was unfair because my vehicle had flood damage from hurricane and they still repossessed my car even before the date that they told me they would and this remains on my credit report. XXXX refuses to remove it even though XXXX  did. A tropical storm that happened in 2015 caused XXXX XXXX XXXX to remain on my credit profile which is causing me rental issues during pandemic. XXXX refuses to remove it even though XXXX  did. I am sick of making pointless disputes when XXXX seems to constantly contribute to a system that attempts to keep XXXX Americans in debt. I am getting so sick of their ability to cause me setbacks
Complaint sub-issue: Frequent or repeated calls

U.S. BANK RECOVERY IS IN VIOLATION OF FCRA, FDCPA AND TCPA! ALSO, COLLECTING ON FRAUDULENT ACCOUNT ACTIVITIES AND SEVERAL FCBA ISSUES.
Complaint sub-issue: Account information incorrect

I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do THIS.
Complaint sub-issue: Reporting company used your report improperly

In accordance wi the fair credit reporting act, Credit collection XXXX  account number 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: Account status incorrect

I filed bankruptcy and it was discharged 7 months ago. I reaffirmed on my loan with XXXX ( XXXX XXXX XXXX XXXX ). I have made payments the entire time along with their website showing payments continued from XX/XX/17 to current. I went to trade the car in yesterday and the dealer said all the bureaus are not showing that I'm making car payments on the loan in any of the car part of the bureaus. It shows that the car was included in the BK. It needs to show payment history. This needs to be backdated to show I have been making payments. Since I have been working hard to rebuild my credit this is the only thing holding me back from making the trade yesterday that would have paid XXXX off and made me non upside down. Great way to help me get back on track. All that hard work thrown out because someone is not reporting accurately.
Complaint sub-issue: Received bad information about my loan

My loan was sold from XXXX To discover student loans and improperly charged off. I was called in XX/XX/XXXX and told I must pay off all late payments or my loans would be charged off. I entered into a repayment program after I was informed that they had charged off to do whatever I could to repair my credit. I was informed by discover that they have no credit repair options, and that even though I was going to bepaying double the minimum payment two Months after it had originally charged off, it would have no positive effect on my account status or credit report. After I was unable to make the full payment, my loans were charged off and I was informed by a different employee at discover that I could have made a minimum payment to bring my account into a current status. I payed off the loan In XX/XX/XXXX and the loan is still showing as a charge off even though it is paid in full 3 months ago and it is preventing me from getting a mortgage and buying a home.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, I had to freeze my accounts at Equifax, XXXX, and XXXX because of the security leak at Equifax. Equifax has not offered any viable solutions to the fact that they failed to protect the confidential accounts of millions of Americans, and in fact we did not have any CHOICE about their having this information about us in the first place. They are not even able to verify whether we are in the pool of people whose information has been compromised. Meanwhile, our information could be out there, being used by the hackers. 

As a result, I had to freeze our accounts. In my state of Tennessee, that means I had to pay {$7.00} per account for this freeze, and when I want to unfreeze it, I will have to pay {$7.00} per account again. I will have to pay {$7.00} per account EVERY TIME I freeze or unfreeze the accounts. 

This should NOT be my responsibility. Why am I being financially penalized for the incompetence of a service I never gave permission to have my information anyway? At a minimum, Equifax should have to pay these fees for me AND for every customer who has to pay them, every time.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/XXXX a collection account appeared on my credit report from Vance & Huffman LLC collection agency/ attorney. The account # listed is XXXX. 

The address listed for this company is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I have disputed this account several times with XXXX XXXX, XXXX XXXX credit bureaus and the only response which I received was that it was verified. I was a victim of credit fraud in XXXX and had a victim alert added to my credit file with all 3 credit bureaus and the CFPB. This was XXXX Vance and Huffman are insisting for payment for a mattress which was purchased at a store called XXXX in XXXX, XXXX I contacted the store and requested documentation for the goods which were purchased and was told they do not have it as this was opened in XXXX. Please help with clearing up this matter. 

I will attach a copy of what is on my credit report in addition to the victim statement which was added in XXXX for the fraud which occurred concerning another account that the CFPB assisted with removing. 

This collection account is causing me undue stress and harming my credit rating. I ask that due to the length of time this has been ongoing that any penalties or liabilities which Vance & Huffman may have violated that I am awarded any monies under section 1002.16 Enforcement, penalties and liabilities.
Complaint sub-issue: Reporting company used your report improperly

I would like to the following child support account removed from my credit in cooperation with law 15 US code 1681 B : permissible purpose. 

-Child Support EnforcementXX/XX/XXXXxxxx XX/XX/XXXX -Child Support Enforcement XX/XX/XXXXxxxx XX/XX/XXXX
Complaint sub-issue: Problem getting your free annual credit report

I requested my 3 reports through the online portal a month ago but have not received any.
Complaint sub-issue: Account information incorrect

Midland Mortgage Company and I had a loan agreement for the amount of {$120000.00} to purchase a house. The agreement open date began in the month of XX/XX/XXXX. Payments I made totally of {$110000.00} were made. My inability to continue the monthly agreed payments or refinance led to a foreclosure in XX/XX/XXXX, with a remaining balance of {$9800.00}. The house was resold upon the date of XX/XX/XXXX, for {$74000.00}. The bank or lender recovered over half the balance of the loan, and the proceeds were applied against the amount remaining on the loan. The credit report shows inaccuracies, and the information has not been removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Balance Owed : {$580.00}. 
XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$66.00}
Complaint sub-issue: Funds not received from closed account

Discover sent letter saying someone tried to open fraud account and refused to give me information. I closed account. Discover refuses to send refunds after account closed and bank statement requested several times.
Complaint sub-issue: Inadequate help over the phone

Equifax classified a specific dispute as " fraud '' when I specifically said " outdated '' The items still remain on my report to date even though I have disputed time and time again. I believe they are going to flag my account as frivilous when I have only followed their guidelines. Their incompetence has hurt my ability to obtain an accurate credit report.
Complaint sub-issue: Information belongs to someone else

I was severely impacted by inaccurate and invalidated information on my XXXX report which caused me to lose housing stability and access to my XXXX Rights.
Complaint sub-issue: Billing problem

Flagship Credit Acceptance has lost/stolen two payments and charges late fees. They make collection calls at XXXX XXXX. and XXXX XXXX.. They even make calls at XXXX XXXX and when I call back the machine says they are closed and to call back during working hours. 

I talked to a supervisor today at XXXX XXXX mountain time XX/XX/2022. The checks have been sent via bill pay they are check numbers XXXX and XXXX.
Complaint sub-issue: Problem with personal statement of dispute

I have a bankruptcy that has been on my report since 2013, I am wanting to see if I can get it removed early. it is suppose to come off in XXXX of this year
Complaint sub-issue: Non-sufficient funds and associated fees

The bank was returning charges and impossing {$38.00} returned charge fee multiple time throughout a month. This is after I had elected to have overdraft protection, which they showed j that I didn't even though on my online banking app I did. Further these returns kept the bank from being able to give me details on these attrmpted charges which made it impossible for me to attempt to verify the validity of them, which upon investigation were not authorized instead fraudulent.
Complaint sub-issue: Debt is not yours

HI NATIONAL RECOVERY AGENCY ; XXXX XXXX/XXXX  XXXX  {$450.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Information belongs to someone else

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Delete 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: Didn't receive enough information to verify debt

On XX/XX/2020 I sent Jefferson Capital Systems a letter, asking them to validate a debt, a right granted to me under the FDCPA and FCRA. They sent me a one page letter that did not bear any information worth noting. I still don't even know who they are collecting for, or if they are allowed to collect in the state of Pennsylvania. I'm extremely discouraged by my attempts to enforce my own rights, and I have met with an attorney who has advised me to document the case and file this complaint with you. Please help me! They are trashing my reputation and destroying my credit, and I don't know why!!!
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time and I have derogatory items are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX
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 719XXXX 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 heck 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 us 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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

Somebody has been using my identity to open credit card, loans that have not been paid. There is an unbelievable amount of accounts opened, and 41 hard inquires. I seriously need your help I do not know what to do. This is insane. I do not trust anyone please help. This has made my life very difficult. I was receiving fake letters from banks that I was approved, I received credit cards that were fake and didn't work. How am i suppose to fix this, I can not believe it. 

Now that I need working capital for my businesses I'm getting denied. How am i suppose to buy a house. I don't know what to do. My car is soon going to be repo because I cant get any help from anyone. Please tell me there is a way to fix this.There is phone numbers that are not mine, jobs I dont know
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. Moreover, I contacted the furnishers and they agreed to REPAIR the accounts in my file. Please fix the accounts : XXXX XXXX XXXX XXXX
Complaint sub-issue: Report improperly shared by CRC

Please be advised ; Credit card Company sold my Account to 3rd party ... after my bankruptcy discharge. Now 3rd party has put remarks on my credit report as of XXXX. The discharge was XX/XX/XXXX. Be aware, keep your report updated. This is illegal to do against Consumer. Bankruptcy laws, very specific, you can not keep hammering the consumer after the fact. All and any debt, notifications, phones calls, mail, any type of contact or harassment by the debtor is forbidden, even posting remarks on credit report. Read the Bankruptcy laws credit card Companies and smarten up!!!
Complaint sub-issue: Information belongs to someone else

I just check my credit and i notice that someone brougth a car using my personal information I did not Authorize anyone to do such a thing this account is fraud and i would like this account to be removed from my credit. 
thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem accessing account

I am unable to connect to other banking applications. I talked to the bank about it and what they blamed the application I was connecting to. But I have had the same issue with different applications and I receive the same message back. It says that my bank made a change that does not allow me to connect. If that is the case they never asked for my authorization to do it. 
Thanks I hope you help me solve this problem.