Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I had an outstanding out of state medical bill from XXXX and had issues with my insurance company processing the payment. Eventually partial payment was processed but a balance of {$320.00} was sent to a debt collecting service. I paid the debt plus interest in an amount of {$460.00} on XXXX XXXX, XXXX to " XXXX XXXX Co ''. I have the transaction available on my credit card statement. The account had been reported to the credit reporting agencies and that has also subsequently been closed. However I have begun to receive phone calls from " Bay Area Credit Service '' insisting that I still have an outstanding balance of {$320.00} and there is no record of a transaction paying that balance. I have informed them clearly of the events but during each conversation I get passed along a line of different employees and told the same thing, that I still have a delinquent account and I need to remit payment or they will ( again ) report it as delinquent.
Complaint sub-issue: Information belongs to someone else

There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better lifestyle for us. I am a father of XXXX and I would like to provide a home for my family and I, however its been very hard with the incorrect items on this report. I would sincerely appreciate, if this report could be corrected immediately, as it is a hinderance on many levels.
Complaint sub-issue: Used obscene, profane, or other abusive language

So last year XX/XX/2020 Is rep called harassing my XXXX old daughter who answered my phone while I was busy. A few days later they called back I answered and the rep was accusing me of false information said I needed to pay then, was laughing and saying she would keep calling. Got a call XXXX XXXX with a rep telling me to borrow money and its a shame I havent paid them off in 2 years
Complaint sub-issue: Public record information inaccurate

XXXX is reporting a bankruptcy from the XXXX XXXX of Kentucky. I do not have a personal bankruptcy in the XXXX XXXX of Kentucky. The XXXX XXXX of Kentucky did not verify this information to XXXX and I have asked XXXX to freeze my all information regarding my name and personal information. XXXX, XXXX  and Equifax can not verify a bankruptcy that does not exist and therefore violating the Fair Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

Carvana obtained a copy of my credit report without my permission on XX/XX/2017. I did not authorize this.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On  XX/XX/2016    I purchas e (   XXXX   ) gif t cards, on my credit card, in the amount of {$1200.00}.   I presented  (   XXXX   ) ca rd to my wife in the amount of {$500.00} for  XXXX . When she tried to use the card i n XX/XX/XXXX ,  there was no money available on the card. I checked with the  3rd p arty vendor listed on the card,  XXXX , was told that the card had been used in Texas. I live in Mississippi. When I could not receive a satisfactory answer from   Kroger  ( wher e cards were purchased ),  U S Bank ( iss uer of card ), or   XXXX   ( card vendor ) I disputed the charge on my credit card. When I did that,  US Bank  removed another {$250.00} off of  one of th e other unused card. My credit card company has denied my claim and so I am now out {$750.00}. I have contacted all  (    XXXX    ) parties to no avail.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

I have contacted the company several times and advised I have no knowledge of this account. I have asked for documentation or signature examination and no response but keeping reporting negatively on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit.
XXXX Creditor Name/date of inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX Equifax Creditor Name/Inquiry Date XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Creditor/date of inquiry XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
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Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. Thanks
Complaint sub-issue: Fraudulent loan

I was sold a lemon that XXXX could not and would not fix. 
1- severe battery drain from computer ( causes failure to start if sitting ) 2- fuel tank pressure problems ( no gas cap and solenoid, etc. ) I offered to the scum that sold me to give it back and he openly refused af thx giving disaster outside of crossville trying to change a tire. I know how to change a tire.I had a spare. what I did not have was the custom tools for the custom nuts that were installed wo my permission when I was sold the car. I did ot ask for these modifications and they cost me over 200 extra to replace the tire. I was not compensated. XXXX in XXXX XXXX outside XXXX can confirm multiple visits for the lemon issues. They could not fix it. 

they took the car back but when I confronted XXXX and carmax about this they remain silent. My XXXX deposit has not been returned to me and they have been served multiple times. continue to want to collect a debt not owed. was forced into buying gap because they sell underwater cars.
Complaint sub-issue: Fee problem

Citi Bank received multiple request to revoke authorization for XXXX XXXX. They continued to allow XXXX XXXX to hit my account. While no funds where paid out to XXXX XXXX they continued to charge me overdraft fees causing my account to go negative. I do not use this account and could not close it as it was opened as a minor with my father who is now in XXXX. After being negative they closed my account. I just noticed it as I went to see if my stimulus check was deposited into this account and could not access it. They took my money continued to charge me fees when the the authorization was revoked and when I called customer service could not help because the account was closed.
Complaint sub-issue: Add-on products and services

In XXXX 2017 I applied online for the XXXX XXXX XXXX XXXX  and was approved along with a 7 month 0%APR. I was careful not to mark any boxes for things I did not want to participate in. I received the card end of XX/XX/XXXX which I filed and not charged. I received my renewal membership from XXXX that is due for XX/XX/XXXX. I decided that I will renew online but was not able to. It turns out that the XXXX XXXX XXXX credit card was charged for the renewal (which if I did not login to try to pay renewal I would have never knew I owed that XXXX since I never charged on it).I contact XXXX Live Chat as I was having to wait 55 mins for phone support, the only response I received is that I signed up for auto renewal. I went thru everything and did not see a box to opt in or out for auto renewal. After an hour I received an phone call from XXXX  customer service which the person named XXXX said that XXXX  charges that XXXX automatically  and the only way to opt out of that is to call us and ask us to remove the credit card. I asked for him to remove this and can I receive confirmation of this which he told me he can not provide anything but will make a note on the account...To me this feels deceptive that when I signed up I was not given the option to opt in or out for auto renewal. Instead Citi Bank and XXXX  took it upon themselves to force my XXXX XXXX to be charged without me having any knowledge including not even sending me an alert or email that this is scheduled to be deducted. I never experienced this with any other credit card and hope a review on these practices by XXXX and Citi is conducted.
Complaint sub-issue: Problem during payment process

XXXX XXXX sent a check for a balance transfer to pay off my Citi Bank credit card. Citibank deposited the check on XX/XX/XXXX. Citibank never credited my credit card for the payment even though I have called them six times giving them information from the cancelled check. I called twice on XX/XX/XXXX and asked to speak to a supervisor. The first person, XXXX, just transferred me back to the original menu. The second man, XXXX, screamed at me and said, " Oh, God! '' and started speaking in a foreign language and then put me on hold and never came back. They all refuse to let me speak to a supervisor. The payment is for {$3300.00}, so I really need help to get the proper credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX  XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX PAID 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

There is 2 XXXX  accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The amount due on this account is inaccurate. They are trying to charge fraudulent charges to get more money. The total amount of the product was for {$2500.00}. The amount already paid to them was 9 payments of {$240.00} + {$2200.00} plus initial deposit of {$640.00} bringing that to a total of {$2800.00}.

Therefore, this account was paid in full. I have previous documents and statements proving this. I would like this removed from my credit score account.

I have contacted them numerous times and all I have been told is that I owe them {$5600.00} more. They constantly threaten that if I don't pay it that they will making this appear on my credit score. They are continuously ruse on the phone to me. Wont try to help me or listen to my concerns.
Complaint sub-issue: Reporting company used your report improperly

I recently requested a reinvestigation of the completeness and accuracy of the list of accounts below : 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 I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.
Complaint sub-issue: Information is missing that should be on the report

I recently called Equifax to temporarily unlock my credit file to turn power on with XXXX XXXX. I provided all my information and was verified. I started my service with XXXX energy in XXXX of 2020. When I called back regarding another matter the representative told me that the information that I provided her did not verify my identity. I know that whenever anyone does a credit check with a creditor it automatically updates you name, address and provided information in their system. I am using a public computer so I don't want to provide my social security number. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I made the call to duke energy, I believe, on XXXX XXXX, 2020. I believe someone has changed my information in the system.
Complaint sub-issue: Debt is not yours

XXXX is a collections company and it is against XXXX to transfer information that is not mine. It was removed from XXXX, XXXX and Equifax Keep removing and placing the information back on my credit. It should be removed immediately as it is not mine and it is medical sold to a third Party. I was a part of the major Equifax breech and i strongly believe this is a part of it.
Complaint sub-issue: Their investigation did not fix an error on your report

I receive letters at about 2-3 years home from XXXX stating I had applied for a credit card with them I called them and inform them that I never applied for a credit card with them and to please noted on the system and do not accept any applications for credit cards with them because I had no plans of applying for a credit card with them about a year later I receive another letter trying to verify information concerning another credit card I had applied for I called them again they did n't accept the credit card but nothing ever done them they when ahead and reported to XXXX XXXX that I had applied for a credit card adding 2 hard hits to my credit score, I called them on XX/XX/18 and was told they had already taken care if but I looked at my credit score and the 2 hard hits still there I want to officially file a formal complain agains XXXX and request that they have the 2 hard hits remove from my credit score, XXXX XXXX, XXXX
Complaint sub-issue: Reporting company used your report improperly

In XXXX of XXXX, XXXX XXXX XXXX obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by XXXX XXXX XXXX. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Complaint sub-issue: Investigation took more than 30 days

XXXX  has  XXXX  accounts on my   XXXX   and Equifax reports that are over the seven year period.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent certified letters to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The letters were received on XX/XX/XXXX ( XXXX XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ). I disputed their claim that I owe them these debts and asked them to validate the accounts they are reporting to Equifax, XXXX and XXXX. It's now XX/XX/XXXX and I have not received any response from either company by mail, email or any other type of notification. Under The Fair Debt Collection Practices Act 15 USC 1692g, Sec. 809 ( b ), I have the right to request validation of debt they say I owe them. Both Companies have failed to validate the debts and provide the information I requested in my letters. See attached letters and certified mail receipts.
Complaint sub-issue: Debt was result of identity theft

My credit was pulled back in XX/XX/2020 10 times dates being XX/XX/20 twice on XX/XX/2020 twice in XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 and once XX/XX/2020. I found this out by checking my credit report ( in which I do twice a year ). After seeing that, I put a lock on my credit. 5 Months later I get a notification on my report stating I owe {$8000.00} from a company named XXXX XXXX XXXX XXXX. Ive never heard of this company before! I called the collections ( IQ DATA INT ) and got there information for a dispute and they told me I owed this money immediately for an apartment with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX! I told them I went through identity theft and do not live in that area at all and have a police report! they told me that it doesnt Matter I signed papers etc ... ( XXXX was the representative I spoke to ). I explained that I never signed anything Ive been living at my current address for 3 years. I got their information which is XXXX XXXX XXXX  XXXX  XXXX. XXXX XXXX XXXX  XXXX XXXX, WAXXXX ( XXXX ) XXXX ) is XXXX XXXX XXXXXXXX address. I then proceeded to call experian and they told me to contact this website for fraud reporting. Please what can you do to help remove this fraudulent activity off of my credit and restore my points?
Complaint sub-issue: Problem with personal statement of dispute

As to XXXX XXXX 's response on behalf of Discover case # XXXX, the new basis of my complaint given your response is you are required by law under the FCPA and it's underlying regulations to immediately remove and immediately cease furnishing inaccurate information. To be clear, specific, and to help in your actually responding to my complaint ; per your own response, a payment made by myself on XX/XX/2019 was returned by XXXX XXXX on XX/XX/2019?? A month later? Under what cause? And by whose authorization? Then, again by your own report, a payment of {$500.00} made on XX/XX/XXXX was also returned by XXXX XXXX on XX/XX/XXXX? Again, I ask under what cause because on both you state unauthorized, is that akin to claiming fraud? Again, who made the claim and on both, you fail to state after two returned transactions as " unauthorized '', what contact did Discover have with me on either as to verification, etc? After the first returned funds under " unauthorized '', was my card shut off? Any security measures made? Any contact with me? Then my account was closed on XX/XX/2019. My claim is clear, those returned payments were done under identity theft and fraud, I never once authorized, filed claim on, disputed any payments I made. And for clarification, how is a payment made out of my account a month later deemed unauthorized? Does that mean XXXX XXXX was claiming someone was making my payments for me? You have, continue to report inaccurate, misleading, information which again you are well aware. Under the FCPA, that was to cease immediately long ago. This is the clear basis for my new complaint, I am again notifying you as you were also provided a police report, FTC Report, and next attorney general 's report that I was a victim of identity theft and fraud. Further, XXXX XXXX has just two days ago admitted in writing I informed them the payments taken were legitimate and admitted they were lawfully responsible to repay Discover immediately. It couldn't be a more clear case. Please feel free to dispute anything specifically stated here, please do not devalue this agency nor the Laws under which you are bound.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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