Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 9. The followng information is incorect XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF AN IDENTITY THEFT, AND SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS, THE CHARGES ARE FRAUDULENT AND NOT MINE. JUST BECAUSE THEY ARE BIG CORPORATIONS AND THEY CAN CONTROL PEOPLE BUT THEY SHOULD UNDERSTAND THAT I AM VICITM THESE CARDS AND THESE CHARGES ARE FRAUDULENT.
Complaint sub-issue: Account status incorrect

On XX/XX/2018 car was traded in at XXXX in XXXX Ca and loan paid off through dealership. Volkswagen credit received payoff from XXXX then charged my credit for a 30 day late payment for the month of XX/XX/2018. I dispute late payment on my credit through XXXX  on XX/XX/2018 and XX/XX/2018 staying I was not late for the payment on XX/XX/2018 when the car was no longer in my possession. Volkswagen credit refuses to delete the negative late payment and is continuing to put me in financial hardship due to me ending my loan and lease options with them.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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: Problem getting my free annual report

For some reason, every time I request my FREE annual credit report from EQUIFAX , i ca n't get it [ they always claim that they ca n't verify my identity ]. But I CAN always get it from XXXX, and XXXX without any problem. 
The funny thing though is that if I go directly to the Equifax website, and buy it directly from them, then 'there ' they do verify my identity and give it ( sell it ) to me without any problem. 
I have even logged-in to their website, sign in with my credentials ( to make sure I am clear in their system ). Then I go to the FREE annual credit report site, request my report from them ( equifax ), and still they wo n't give it to me. It happen every year with them. - I CA N'T get it FREE. But if I pay them, I CAN NOT. Please help. Please help.
Complaint sub-issue: Information belongs to someone else

Filed lost identity report and fraud, on my credit report, but they refuse to correct the information.
Complaint sub-issue: Old information reappears or never goes away

MADE ARRANGEMENT WITH XXXX XXXX. SEE ATTACHED LETTER TO REPORT ND FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Complaint sub-issue: Transaction was not authorized

My account was charged 2 times for XXXX bank of the West could care less when I told them it was fraud .. 
.
Complaint sub-issue: Card was charged for something you did not purchase with the card

was on vacation in XXXX on XX/XX/2018, and I had my credit card with me, I went to dinner and when I paid my bill I gave my card to the waiter to make the payment, the waiter left and a few minutes Then he return with my card and my bill. 
that was the only time I did not have my card in my hands Two days later when reviewing my account statement I realized that I had a charge of XXXX dollars from a bar restaurant in which I was not there that night and in fact I have never been in that place. 
I made my claim with the credit company and they did not want to follow my case because supposedly that payment was made with the physical card. 
I have asked for proof that it is actually my signature, because although physically I was supposed to sign. 
The credit card company never showed me any proof that the signature is mine or that in fact that receipt is signed. 
I was a victim of fraud and they ( the credit card company ) said that I have to make a report to the police, I was on vacation and I realized when I returned to the country. How am I going to return to make a report? 
I think they have an obligation to follow up and show me the proof that I was the one who was consuming XXXX dollars in food and alcohol for one person.
Complaint sub-issue: Problem with product or service terms changing

Equifax refuses to mail me my certificate of insurance and summary of benefits for the free monitoring service they are providing because of their security breech.
Complaint sub-issue: Information belongs to someone else

I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & are in error that need to be delete from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for a Discover credit because they advertised the below information : " Annual Percentage Rate ( APR ) for Purchases 0 % intro APR for 14 months from date of account opening.

After the intro APR expires, your APR will be 13.49 % to 24.49 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers 0 % intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by XX/XX/2020. 
After the intro APR expires, your APR will be 13.49 % to 24.49 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate. " After I received the card it said the 0 % intro APR is for " 6 months '' not " 14 months ''. I called and I was told it was " based on creditworthiness. '' I stated the advertisement does not say that it states " After the intro APR expires. ''
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I wrote UNITED STATES XXXX XXXXXXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to EQUIFAX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # XXXX
Complaint sub-issue: Account information incorrect

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 and XX/XX/2021 I sent dispute letter regarding certain collections and I have yet to receive and documentation regarding these accounts. They have failed to provide proof in a timely fashion allowed by FCRA.
Complaint sub-issue: Information belongs to someone else

back in 2017 Equifax had a data breached which caused my personal private information to be leaked. Due to this discrepancy, someone has opened a lease on an apartment which I have never been associated with or lived in. This is a cause of identity theft. 

The current balance is {$5500.00} and the original balance was {$5900.00}. 

Please rectify and delete this fraudulent information from my consumer report.
Complaint sub-issue: Problem with personal statement of dispute

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect on my credit and it has been well over 30 days and I have not received any investigation results at this time.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/PPC-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Debt is not yours

Procollect , Inc keeps calling my home harassing me about some debt that is not even on my name, they are trying to collect from someone that I have never heard on my life and the only way according to one of their reps, Mrs. XXXX is by giving them my personal information.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My credit card was stolen by an unauthorized user on XX/XX/2019.  The fraudulent charges added up to XXXX dollars. I claimed my card stolen with discover. I sent in information in XXXX  and never got in contact with discover. On XX/XX/2019 I asked again to have them reopen the case, they still said my charges were fraudulent. They spoke with an officer on my case that I filed with the state for stolen property and identity theft. The officer told them he spoke to the person who I thought stole my card and that the person admitted to stealing it. discover still held me accountable. They officially closed my case on XX/XX/19 as being not fraudulent. I still owe XXXX $ to this company from late/interest fees from fraudulent charges on my account. Ive reopened this case four times, Ive spent countless hours building my own investigation on this case because discover wouldnt help me. Ive spent over 10 hours on the phone with discover. They had me talk to around 8 different people each time. Having me wait on hold for 30 minutes at a time. To all tell me I am responsible for changes I didnt make. They were rude to me each time I was on the phone and kept information from me on the case multiple times. The person who stole my credit card is being carded with a Misdemeanor A. By the state of Wisconsin for stealing my credit card with discover, yet discover still holds me accountable. They used the words removing themselves from the situation because they dont feel its their responsibility I trusted this credit card company at first. They ruined my life, left me broke making payments on fraudulent charges, harassed me, and ruined all trust with credit card companies.
Complaint sub-issue: Trouble with how payments are being handled

Since The induction of the Public Service Loan Forgiveness ( XXXX ) I have contacted my loan servicesor, XXXX XXXX XXXX XXXX XXXX and the Department of Education regarding the payment plan and application. Each year I was informed that I was in t he correct getting payment plan. As I would be told by a representative that I was in the correct payment plan and that I am in the program for the PSLF. 

As I do each year, I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and was informed by a representative that I was not in the correct payment plan, and they would have to transfer my payments to XXXX XXXX XXXX. 

When I had my payments transferred to XXXX XXXX XXXX, I was told by their rep that I was not in the correct program and that I only had 20 qualifying payments for the PSFL. 

I dont know which servicesor provided the correct information. I believe that pay more qualifying payments. 

I called MY XXXX XXXX XXXX today and spoke with agent # XXXX. He was extremely patronizing and disrespectful regarding my student loan information.
Complaint sub-issue: Banking errors

Sir! 

non-payment of bonus linked to new accounts and interests linked to checking and savings account. 

I had opened new checking and savings account by XX/XX/2019. The bank as every year announced opening bonus of {$400.00} for new account opened in according to yearly campaign for new accounts. It has been more than 2 years and my inquiry revealed that my account is stagnant with no addition for interest or bonus amount. 

I wrote an email. A copy is attached and other documents as brought out by bank at relevant time. Also copy of statement.
Complaint sub-issue: Problem with the interest rate

I purchased a car from Carvana and it was delivered on XX/XX/22. I called and asked to return the vehicle in XX/XX/22 as it was not the car for me. Carvana has a 7day return policy on all its vehicles. I tried to swap the car but they wanted a new check from my Bank and I didnt want to go through the entire approval process again so, I cancelled the entire order. Carvana scheduled the car pick up at their leisure and it was finally picked up on XX/XX/22. As of today, XX/XX/22, Carvana has failed to returned the monies to my bank and refuse to confirm or give me evidence of such, whenever I call them to find out about the status. Meanwhile, the loan continues accruing interest even though I no longer have the vehicle in my possession. I feel. Carvana is holding on to the monies maliciously and on purpose to get back for the free 7day car return policy which at the end of the day, it isnt free. Perhaps if they didnt sell lemons of a car to consumers, people wouldnt cancel orders. I am never using them ever again!
Complaint sub-issue: Investigation took more than 30 days

I have attempted to remove a closed account from my XXXX credit profile as the statue of limitations has exceeded the 7 year mark on XX/XX/21. In addition I attempted to dispute another card account however XXXX has not provided info and the dispute time has exceeded 30 days,
Complaint sub-issue: Old information reappears or never goes away

I have disputed a debt collection on my credit report several times now. The company is AR Resources and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this AR Resources keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/XXXX I called Equifax to inquire about my investigation. Due to an unsatisfactory response provided by supervisor XXXX, I asked the representative for a number to his manager supervisor XXXX provided a fake # to claiming that this number was to his manager XXXX. The number is XXXX. I was unable to reach anyone at that number. 

XX/XX/XXXX I called Equifax to inquire about my investigation. The agent claimed that their system was down, and he could not provide any service. This exact excuse was provided to me on XX/XX/XXXX when I called. The agent then proceeded to hang up on me while I was talking halfway. This has also happened twice - hence I believe that this is not an " unintentional '' incident.
Complaint sub-issue: Problem with customer service

I received an email from XXXX saying I have a credit alert. I called them after looking at the subject, private student loan from XXXX XXXX XXXX XXXX XXXX. I asked the XXXX representitive for the phone number. The number I got was for a law firm in California. After speaking with them briefly, they wanted to set up an appointment to speak to one of their attorneys. I declined and thought I would call XXXX XXXXXXXX XXXX. I went to the internet to find their number and the first thing that popped up was from the CFPB. I read the article and felt immediately that this claim is fraudulent. First, I never attended the XXXX XXXX XXXX. XXXX of my children did however. I do not have any recollection of having any loans from XXXX XXXX XXXX and I am fastidious with those matters. After my children graduated they consolidated as best they could all of their student loans including the our parent loans we took out for them. I know both of them are still paying student loans and are timely doing so. My concern that this is XXXX and has shown up on my credit report. I won't take any action until I hear back from you. Thank You!! XXXX XXXX
Complaint sub-issue: Company closed your account

I have complained before about Ally Bank. They have falsely sent my information to XXXX in retaliation for a complaint
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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: Threatened to sue you for very old debt

Please note that the debt with Enhanced Recovery Company on behalf of the original creditor has been satisfied. Creditor refuses to update my credit report to reflect {$0.00} balance. Why hasn't this been updated? I received threatening messages from this company and fear of being sued for an old debt already satisfied. A possible judgment will damage my credit for at least 7 years.
Complaint sub-issue: Their investigation did not fix an error on your report

From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of XXXX  and Equifax have incorrectly reported the balance of my XXXX XXXX XXXX as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my credit score from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My XXXX XXXX XXXX is listed as XXXX on my credit file.