Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

I live in Washington XXXX DC. In 2018, while my son was attending XXXX XXXX, he asked me to cosign an apartment for him. I agreed to do so, and electronically signed an agreement with XXXXXXXX XXXX XXXX XXXX XXXX in XXXX SC on or about XX/XX/2018. However, after researching rent rates in the area, my son decided not to take the apartment. While checking my credit last year, I noticed a debt for XXXX owed to Carter-Young Associates . Once I discovered the mark on my credit report, I reached out to the Apartments first. Apparently they have charged me 2 months rent even though neither of us have never set foot in their apartment. As far as I know, he never even put down a deposit. When I expressed my displeasure with this policy, they referred me to Carter Young and stopped taking my phone calls. It feels as though I am being taken advantage of. They have to know a college student wouldn't be able to afford these rates. It seems they are charging the same price as a 2 bedroom apartment for a room. My agreeing to cosign was contingent upon my son accepting the apartment. If he doesn't take it, how are either of us still responsible for rent? I could understand some type of cancellation fee, but 2 months rent is ridiculous.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b ) .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.
Complaint sub-issue: Information belongs to someone else

I HAVE REACHED OUT TO ALL THE BUREAUS REGARDING THE INCORRECT INFORATION THAT DISPLAYS ON MY CREDIT REPORTS AND HAVE TRIED NUMEROUS ATTEMPTS TO HAVE THEM REMOVED AND YET NOTHING HAS BEEN DONE. ALSO THE FACT I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Equifax : Collections : 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXX XXXX Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.XXXX  XXXX 6.XXXX  XXXX Closed : 1.Dept of EDXXXX 2.XXXX XXXX XXXX-0XX/XX/XXXX 3.XXXX XXXX XXXX XXXX reported XX/XX/21 4.XXXX XXXX XXXX XXXX  : Closed : 1.Dept of EDXXXX 2.XXXX XXXX and XXXX XXXX : Collections : 1.XXXX XXXX XXXX 2.XXXX  XXXX Inquiries : 1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX XXXX Closed : 1.Dept of EDUXXXX 2.XXXX XXXX And XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Problem getting your free annual credit report

I am currently in the process of trying to repair my credit and find I am unable to obtain my Equifax credit report. There have been major changes to my file, according to credit monitoring services I have, and Equifax is denying my right to see the changes. I have tried on 3 occasions to order my credit report online and get a message saying I need to order through the mail and produce several forms of ID. This is unacceptable. The changes are derogatory and urgent in nature and I do not have time to go through these ridiculous procedures.
Complaint sub-issue: Debt is not yours

XXXX is attempting to collect a debt for services that were never rendered in XX/XX/2015. Three debt  collections agencies, to date, have closed the account due a lack of sufficient evidence by XXXX.
Complaint sub-issue: Information belongs to someone else

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. The items 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 XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ;
Complaint sub-issue: Their investigation did not fix an error on your report

Ive downloaded my annual credit reports and find inaccuracy in your reporting. You are obligated by the law to report accurate information in my credit reports. Because you are not reporting it's accurate I am asking to remove this totally incorrect account. I attached part of all three reports so you can find your mistakes and delete an account. There are mistakes because I found a letter from the bank with explanations about this account.
Complaint sub-issue: Reporting company used your report improperly

In checking my equifax online, I noticed another account being merged with mine. We do have similar names and other similar information. We have two diffrent social security numbers. Mine ends in XXXX and I am seeing some one elses report ending XXXX. This is a huge breach in privacy and is affecting my and this other individual as I see a collection of mine and a hard inquiry of mine on this other report. Equifax needs to get this fixed and stop reporting my information to this other credit profile as well as stop reporting this others profile 's information to my report.
Complaint sub-issue: Account information incorrect

We have been on a Forbearance Plan which was offered by XXXX XXXX Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a VA Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.
Complaint sub-issue: Attempted to collect wrong amount

1. On XX/XX/XXXX, I, XXXX XXXX entered into a settlement agreement XXXX XXXX XXXX XXXX XXXX in regards to Cause No. XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX In the 9th Judicial District Court of XXXX XXXX XXXX TX XXXX 

2. XXXX XXXX XXXX claims to represent XXXX XXXX in Cause No. XXXX on an alleged debt of {$30000.00}. A full settlement amount for {$16.00}, XXXX was reached with a payment schedule of 16 months. 

3. On or about XX/XX/XXXX I received a letter from XXXX XXXX, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$450.00} in reference to File Number : XXXX. 

4. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Collection Manger ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

5. On XX/XX/XXXX, I sent a follow up email to XXXX XXXX XXXX, Collection Manger ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

6. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Attorney ( XXXX ) and XXXX XXXX, Director of Operations ( XXXX ) also requesting accounting of all payments made to File Number XXXX. 

7. On or about XX/XX/XXXX I received a letter from Couch Lambert, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$15000.00}. in reference to XXXX XXXX : XXXX ( See Attached Exhibit C ) 8. At no time have I ever received a response to any of my requests for the accounting of all payments made to file number XXXX. 

9. On XX/XX/XXXX, I sent a request for validation to Couch Lambert, LLC who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. On XX/XX/XXXX, I sent a request for validation to Couch Lambert, LLC who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. As of XX/XX/XXXX, I have not received any response from Couch Lambert, LLC or XXXX XXXXXXXX XXXX to any of my attempts to communicate.
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


XXXX XXXX - XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Vacation Club Credit by XXXX XXXX Bank has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted XXXX and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated information.
Complaint sub-issue: Cashing a check

On XX/XX/XXXX XXXX XXXX key bank decided to closed my account with XXXX XXXX of XXXX they say they will issued a check, they did issued a. Official check on XX/XX/2022 and I made a deposit into my XXXX account, XXXX  took 7 bussiness days to clear that check. On XX/XX/2022 XXXX sent me a letter that they decided to close my account because they detected fraudulent activity they were not able To verify the official check key bank sent to me, that check was issued through XXXX XXXX pay to the order of key bank. Unfortunately key bank has not being able to solve my issue I do not have a response from them I do not have money since theyve took it and i need it please assist me on this.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX, a fraud charge was placed in my card ending XXXX as amount {$4400.00}. At the same day, I noticed the charge and called customer service immediately to inform this is not made by me. The representative closed my account and sent me a new card ending XXXX and informed they will take care of the fraudulent charge. Later on, a temp credit was issued to my account. About 10 days later, they decided to close my dispute without telling me. And reversed my temp credit card. Once I found out, I called their security team immediately and asked why. They said they thought it was made by me and reopened the case for me. But no temp credits was issued. Fast forward, on XXXX, they told me this time the case was officially closed and it is indeed fraudulent charge. A credit will be issued to me. However I have not received any since then and I will be starting to paying interests for a confirmed fraudulent charge soon. I called customer service more than 5 times to inquiry the progress of credits and they keep telling me I should get it now. But the truth is I have NOT. 
I did my own investigation, seems like Citi is notorious for not returning fraudulent charge. Several posts in XXXX have complained about that as well. Some posters recommended me to file a complaint to get their attention.
Complaint sub-issue: Personal information

XXXX XXXX has me living at an address XXXX XXXX XXXX XXXX, Ga. XXXX XXXX XXXX XXXX i have never lived there and they are messing up my credit because who ever lived there they seem to have my name down. I can prove i have never lived there yet they wont fix this issue. Please inform me as to what i need to do to fix this matter. All i have are my tax return stating my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the same year they state i lived there.
Complaint sub-issue: Was not notified of investigation status or results

I'm very frustrated and highly upset. I've been trying to reach this bureau for their investigation results with no response. I've sent letter via certified mail dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. It has been well over 60 days and this is not right. Please send the results of the investigation immediately!!!!!!
Complaint sub-issue: Investigation took too long

I sent complaint letters to XXXX, where I requested them the investigation of few suspicious and inaccurate accounts in my credit report. They received the XXXX XXXX on XXXX, 2015 and the XXXX XXXX on XXXX XXXX, 2015. As of today 's date, I have not received any answer from them. I am desperate because I would like to buy my house and this situation is greatly affecting that possibility. They have exceeded the time allotted for investigating and have not answered any of my questions. This further supports my suspicions that the information is not mine. I do not believe that i am a victim of identity theft, I just feel that the information was mistakenly reported to my credit history
Complaint sub-issue: Charged too much interest

My discover card is charging me interest at a point that is unaffordable. 
Id life to pay the card off to get rid of it, and have tried, but no matter how large a payment I make, the interest they charge is sickening. 
Ive been with them since 2008. Ive always paid on time. I am now down to minimum payments because I cant afford their interest. I complained to them and they told me too bad to put it simply. This company is horrible. I refuse to make lump payments as its mostly interest. I cant afford the pay off amount yet of just under {$9000.00}. This is just wrong as Ive been with them for so long and have since then cut my card to shreds. 
I cant pay off half the amount unless in want to pay {$7000.00} due to interest and then another {$7000.00} to pay the card off. 
This company is a scam. Id never have signed up for this had I known they were such liars and crooks.
Complaint sub-issue: Their investigation did not fix an error on your report

filed a bankruptcy XXXX XXXX XXXX ReAffirmed 2 mortgages EQuifax XXXX XXXX and XXXX Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX and XXXX XXXX  refuse to report all payments made from date of reaffirmation which is XXXX XXXX to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Was not notified of investigation status or results

Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there was fraudulent activity on my report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now. please assist me with getting these items deleted.
Complaint sub-issue: Account status incorrect

My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XX/XX/XXXX- XX/XX/XXXX On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation , or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed all inquiries on all 3 of the credit bureau because I am a victim of identity theft and have all these inquiries that I no nothing about and did not do also it was a auto loan taken out in my name and my info was shipped around to over 45 companies and now they are not removing them I have filed a ftc report and police report also someone is arrested rite now and told the detectives they purchased my information and also have a acct in my name and they wont help me and talking down on me because Im only XXXX I know I only have two credit unions and thts all I use to run anything all this other shopping around inquiries I did not do and am XXXX Im not getting the help I asked for I also placed a fraud alert on credit and freeze still they wont remove them
Complaint sub-issue: Problem adding money

I have a dispute on file with card.com And they refused to give me a provisional credit while they dispute my case
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made an airline ticket purchase back in XX/XX/XXXXand it was fully refundable ticket. in fact i purchased another ticket for the same dates but i had to us another credit card company and when i contacted the airline company for a refund i was giving the run around but when I disputed the transaction with XXXX  XXXX  I was refunded the money immediately, but Citi card denied my claim.
Complaint sub-issue: Problem getting a working replacement card

On XXXX XXXX, 2021, I called and inquired about my replacement card because the current one is set to expire in XX/XX/2021. Shockingly, I was informed that my account was closed. When I asked why my account had been closed, the agent said they sent a letter in XX/XX/2021. I explained I had not received any letters through the mail. When I asked to speak to a supervisor to explain why my account was closed, the supervisor said a letter was sent electronically. I explained to him I was online looking at my account, and there were no emails and no notifications about an account closure. When I asked for an explanation as to why the account was closed and going through their verification process, the supervisors stated the account was closed because Citibank decided to close it - with no other explanation. 
Additionally, this account has auto-charges attached to it. For the last XXXX  months, they have continued to allow charges and have received payments- all without notifying me that the account had been closed. This unexplained decision by Citibank not only has caused a great inconvenience for me as a consumer, but it will also show up as a detrimental mark on my credit report. This practice is unacceptable customer service.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME
Complaint sub-issue: Their investigation did not fix an error on your report

filed dispute with reporting agency and reporting agencies sent items back as verified without proper investigations