Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fraudulent loan

Mechanics Bank Auto Finance claims an installment contract with my alleged signature was purchased by them. This installment contract contained a questionable VIN number. I requested validation, investigation, and reinvestigation, but Mechanics Bank failed to provide actual proof of their claim. As they have failed to produce results time and time again, I have been left with ruined credit and financial turmoil. 

After I revealed to Mechanics Bank that the VIN number was indeed inaccurate, Mechanics just updated their account information to reflect the correct VIN description as : XXXX, to match the contract. 

I called the DMV several times and requested a lookup of this VIN and my suspicion was confirmed that the number is not registered. My next question naturally is how could they have allegedly sold me a vehicle if the VIN isn't registered? Please see the attached documents from the DMV of XXXX. 

The attached form provides a description of the vehicle ( VIN ) that XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) and Mechanics Bank Auto Finance have claimed to be correct. The DMV has verified my suspicion that this VIN is in fact not real and XXXX XXXX and Mechanics are tying me to a FRAUDULENT contract. 

I wished for this to be removed from my consumer report numerous times. My credit was ruined along with my reputation so no reputable credit card company will approve my applications. I've been denied the benefits of my own credit for almost three years due to Mechanics Bank Auto Finance lack of thorough investigation. This has directly the degree in which I'm able to my provide for myself and my family. Unable to access the benefits of my credit is financially devastating and continues. I have provided more than enough information to Mechanics and wish for this issue to be resolved as soon as possible. I wish for Mechanics to provide relief for this huge inconvenience to me and my family. 

I will be entering a motion to litigate if my wishes are not met.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I ask the help of CFPB with the above creditor. XXXX  and Equifax have stated that this account is accurate, yet both bureaus have not provided me anything. I have even sent a letter for VALIDATION First letter was sent out on XX/XX/2019 Second attempt has been sent at the beginning of XXXX, both letters I have sent and all I receive from the company are statement trying to collect a debt ( not mine ) these statements do not show anything and are not documents accepted as validation, so how is it that Equifax and XXXX are validating this account. I believe the bureaus are NOT validating anything and not properly investigating. XXXX and Equifax have closed my dispute and will no longer investigate ; therefore, I ask the help of cfpb to oversee what is going on. I request XXXX XXXX to remove both accounts from each credit files at once. Since they have failed to provide me with requested information. The FCRA requires you to verify the validity of the item within 30 days. I been disputing these accounts since XXXX150 days later, way pass 30 days. Enclose are copies of validation letters sent to creditor and bureau, receipt of certified mail and return receipt as well, creditor constant statement to pay a debt not belonging to me. 
************************************************************************************************** To who it may concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX
Complaint sub-issue: Banking errors

XXXX was offering a XXXX dollar promotional credit upon opening a new checking account and receiving a XXXX dollar direct deposit. The credit was issued upon completion of this direct deposit but was later rescinded. After another XXXX dollar qualifying direct deposit from the same originating financial institution as the first one was received XXXX refused to re-credit the account with the XXXX dollar. They constantly bent the rules and kept referencing different rules etc. The requirements were met but XXXX wont make good on their offer.
Complaint sub-issue: Fee problem

I have been banking with key bank for over two years now and have XXXX accounts and my XXXX account my direct deposit goes in there! over the last several months key bank has decided to charge me a XXXX Atm withdrawl fee every month for over {$20.00}! each month it differs! i have contacted them numerous times in regards to these fees and have got no responses back! i want to know what these fees are for! i use one atm and thats the one at my work because my cafe does not accept debit cards and its cash only! i do get charged a dollar every time i do use the atm so why am i getting charged twice for each withdraw? this should be illegal, this is my money not theres! im sick of these hidden charges! i also would like to know why key bank offers their new customers money to sign up for a account but in the meantime their loyal customers that have been banking with them for a long time only are get money taken from them!!!!
Complaint sub-issue: Threatened or suggested your credit would be damaged

Submitted com plaint for Fidelity / XXXX XXXX XXXX. 
They have no replied through you but instead sent a manifesto of accusation and refusal to help during the pandemic. 

I requested multiple time for help and tried to be up front with them but rhewy have initent of helping or doing anything that is productive. 
Their only goal is to harm me.
Complaint sub-issue: Account information incorrect

I have two personal loans from XXXX XXXX XXXX  in the amounts of XXXX and XXXX. I have paid off both accounts six weeks ago and these accounts are still showing as current with the paid off balance still present. I would like for these accounts to reflect as paid so my credit reports can be current and up to date.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # 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 a account without my written instructions
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 corrected : XXXX XXXXXXXX XXXX : {$10000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information is missing that should be on the report

I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So XXXX XXXX credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!!

Is that fair?... I do not believe so... XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Equifax has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.
Complaint sub-issue: Information belongs to someone else

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 ) XX/XX/2021
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I Bank with PNC Bank, going on maybe 10 years, whom we have never had an issue with until now. I have a vehicle loan through PNC bank as well which is paid through the bill pay feature on the PNC app. I paid {$1600.00} on the loan on XX/XX/XXXX. Once the payment posted, the account overdrafted which is fine because I fixed the overdraft the same day. Then the next day PNC Bank reversed that {$1600.00} payment which is also fine. So I called PNC bank and asked spoke with someone in the customer service and loan servicing dept who verified I could go ahead and pay the {$1600.00} again and the payment would NOT come out twice therefore, I made the payment again after being told it would only come out once. On XX/XX/XXXX I woke up to an overdrafted account due to the {$1600.00} payment being taken out twice and this time I didnt have the money to fix it but shouldnt have to fix it because this time, it was the banks fault for misinforming me and taking out the payment twice instead of once. I called that morning and spoke with a rep who stated I had to call back Saturday morning since the payment was pending and not yet posted even though it reflected in our checking account for 2 payments of {$1600.00} and advised when I called Saturday that they would have one of those payment refunded immediately. I called Saturday and was told the loan servicing dept. Could either refund the payment within 7 business days or I could dispute with the customer service dept and have the payment refunded within 3 business day. I spoke with someone in the customer service dept who stated they escalated the dispute and the money would be back into the account on Wednesday and that I would have to call once again on Wednesday to provide the story to have the {$1600.00} refunded along with any overdraft fees. Today is Monday XX/XX/XXXX, I called the bank to check on the status of the dispute and was told it would take 45-90 calendar days. I told the rep there should be a rush on it to be back into the account by Wednesday because I am still overdrafted with overdraft fees currently coming out and its PNCs fault. All the rep said was to wait a couple of more days and call back. This is a warning to others, if one of your payments is reversed and the bank tells you to pay it again, dont because the payment will come out twice and no one will be able to tell you when your money will be back into your account and they will charge you overdraft fees.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019 Equifax deleted several negative items on my credit report. On XX/XX/XXXX 2 months later they reinserted these same negative items back on to my report. 

XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Equifax is supposed to notify me within 5 days of reinsertion and they have failed to do so. 

I have attached the law stating they are required to do this. I have not received anything stating that they were going to reinsert this on to my credit report. I demand Equifax remove these items or legal action will be taken against them for reinserting negative items on my report without the 5-day notice. I have attached copies of the reports showing the removal date and the date they were reinserted. I have also attached a copy of what the fair credit reporting act states about reinsertion.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Volkswagen Ancira ran 4 separate credit checks in one day, I only gave permission for the first one. All 4 inquires were on XX/XX/2019. The names were XXXX Volks 2x, Vw Credit, and Vw XXXX.
Complaint sub-issue: Old information reappears or never goes away

This is a fraudulent account that was successfully disputed last year. Original creditor : XXXX XXXX XXXX. Collection company at the time : XXXX XXXX XXXX XXXX Please refer to FTC report number : XXXX ). They are trying to put this collection account on my credit file again this year with a different collection company ( XXXX XXXX XXXX ). 

When I dispute an account with Equifax, They ask me to wait pending the results of their investigation, which could take up to 30 days, in hopes they find something negative again during that time. To me this is nothing more than a cheap attend to suppress my score. They clearly do not need 30 days to review an account they already reviewed last year. 

This is my third complaint about Equifax ( for different issues ) within the last five months. 

Asked for annual credit report - Not provided until complaint to FTC Asked to remove account older than seven years - Not removed until complaint to FTC Asked to remove PREVIOUSLY disputed fraudulent account - PENDING I hope they are not using retaliatory methods and instead focus on doing a better job at keeping fair and accurate people 's financial history. Thanks.
Complaint sub-issue: Attempted to collect wrong amount

They reported a debt to the credit reporting agency without contacting me. So I called the number I got off my credit report. Although they had correct address they refused to send me out any info. Or give info. So I can dispute transaction. Then although refusing to send me any notices They say all they can do is send me final bill. What good is final bill when that is what I'm disputing and the fact company says I had a contract with them when I didnt. They refuse to send anything proving how they got final bill amounts. They repeatedly state that the final bill is the only documentation they need to prove I owe that amount. But anyone can put any amount on a final bill and claim you owe them because that's what they decide you owe them even if it is an amount you never agreed to. 
And because they refuse to send out written documentation how can I dispute anything when they refuse to send me anything about debt.
Complaint sub-issue: Account information incorrect

I previously sent Equifax 3 dispute letters dating back to XXXX of 2019 asking them to remove these inaccurate accounts showing on my credit report. The three items that are left on my Equifax credit report has already been deleted by XXXX. Every time I send a dispute letter into Equifax I'd make sure I'll attach my XXXX dispute results with the dispute letter to show that XXXX has already deleted the items that Equifax refuses to remove from my credit report.
Complaint sub-issue: Trouble with how payments are being handled

XXXX ) Date notices sent and due date too close, always notified of late payment. 

XXXX ) Also, interest rate WELL above reasonable ( XXXX )
Complaint sub-issue: Other problem getting your report or credit score

Your company is not usages my recent credit scores the info on the site is not updated
Complaint sub-issue: Debt is not mine

I called to settle a debt with IC systems and they asked if I was related to a person that is n't me. I found out about this debt because it is a negative reflection on my credit report
Complaint sub-issue: Public record information inaccurate

Please reference complaint IDs XXXX, XXXX, XXXX, and XXXX Once again, Midland Mortgage is being XXXX  and retaliating against me for filing with CFPB and XXXX. 
First off, in reference to the city shutting the water off, that could not be further from the truth. I have attached photos of the water turned on from my faucet. I also attached the notice from XXXX properties that was on the door stating they shut the water off. XXXX  properties is the property management group hired by Midland Mortgage falsely claiming the property was unoccupied and vacant. There is overwhelming proof that disputes that. 
We closed on the house and the new owners took over on XX/XX/2021. Midland keeps harassing  me, calling me every week, asking if the house is occupied. It even shows on my account as being paid off. 
To make matters worse, they fraudulently reported to the credit bureau a 180-day delinquency on XX/XX/2021. I have never experienced such blatant fraud committed against me from a financial institution. The house has not been in my name since I sold it on XX/XX/2021 ; plus, I was in the covid protection plan until at least the end of XXXX like so many others. 
Off to The Michigan AGs office I go. I wonder how many people they have done this to? They do not even have any branches or offices in Michigan. I am not sure why XXXX sold my mortgage to this bank but you can believe it was with bad intentions.
Complaint sub-issue: Information belongs to someone else

There is an incorrect previous address listed for me in Indiana that was reported on XX/XX/XXXX. I have never lived at that address. The address belongs to an exhusband who was unable to be located for divorce proceedings and who unlawfully used a credit card of mine in California in XXXX that was reported and funds were received back into my acct. Please remove this address from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted LexisNexis several times on the validation of the bankruptcy on my report & file. I explained to them how they needed to verify the items that was on my report. They replied that they verified my bankruptcy which is false.I asked them to verify how you got you information and you didnt respond with documents. I asked for you to send please me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately, and you guys failed to give SOLID PROOF. LexisNexis uses a database called XXXX to fish out negative info on consumers and you then sell it to the other consumer reporting agencies. Thats violation 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy & congress makes it clear that a consumer has a right to privacy. LexisNexis going out and fishing for negative information about me is an infringement upon a consumers right to privacy pursuant to 15 U.S.C 1681 ( a ) ( 4 ). The second one- 15 U.S.C 1681b ( a ) ( 2 ), LexisNexis did not have a Permissible purpose nor did they have your written instruction. LexisNexis stated that they contacted XXXX, which means they had the information prior to contacting them ; and did not get the information from them. XXXX bankruptcy courts states if someone calls the courts for CONFIRMATION... 

Three Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Complaint sub-issue: Public record information inaccurate

I am requesting all credit reporting agencies immediately remove from their information my XXXX misdemeanor XXXX XXXX XXXX from their files. Most states remove their records that type of information after XXXX years. In VA it is XXXX years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and criminal and I want both removed. That would resolve the issue.
Complaint sub-issue: Problem with personal statement of dispute

XXXX  XX/XX/XXXX XX/XX/XXXX or the XXXX of XXXX the vehicle was confiscated from fleeing and eluding the police which I wasnt part of the court found me not guilty, but before that I alerted The finance company to come get there vehicle because of the police impounded they said they were gone charge me to get it out I said thats fine but instead of them getting it out I was still paying my car note even when it was in the impounded the by the police saying the vehicle wasnt not ever to be released back to me XXXX  let the vehicle sit until XXXX when trying to get which the yard told them car was XXXX dollars so XXXX   handed them title which I have court papers and police and XXXX mayor signature that the car wasnt released back to me when they could of had got it when I got XXXX XXXX with the vehicle they let it build so it could impact my credit from owing debt so please investigate and remove from my credit report Persut to ( FCRA )