Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not mine

purchased a car from  XXXX   XXXX , within  72 hrs t he car was taken back twice due to malfunctioning, I told them to keep it and left the keys and stop payment on my down payment ... they are now trying to collect debt stating that the car was n't returned to them or reported to them until the next year ... im been going back and forth with them for quit some time ... I even called them when I left the car in the car lot to let them knw that car was returned due to problems with the car ... I infrm them to go back and look thru their notes from  XXXX  ... there telling me that since they sold the car in an auction then im responsible for what was left over ...  .also both    XXXX   XXXX   and collection agency is trying to collect on this debt
Complaint sub-issue: Account information incorrect

THIS WAS A PAYDAY LOAN I TOOK ON XX/XX/2019 BECAUSE OF HIGH INTEREST RATE I COULD NOT PAY ANY LONGER. WHEN THE STARTED IT BECAME DIFFICULT TO EVEN PAY. THE ON XX/XX/XXXX THE I FILLED FOR BANKRUPTCY THIS LOAN WAS INCLUDED. XX/XX/XXXX EQUIFAX NOW REPORT ON MY ACCOUNT AS PENDING ONGOING PENFDING COLLECTION. DESPITE THE FACT THAT ITS ON MY BANKRUCPTCY. THE CREDIT REPORT IS NOW AN ARM OF PAYDAY LOAN COLLECTION ANGENCY TO INTIMIDATE AND SUBDUE CONSMER TO PAY UP BY CROOKED REPORTING IN A SELECTIVE AND CACULATIVE MANNER.
Complaint sub-issue: Debt is not yours

This is a formal complaint against XXXX and Equifax that continues to report 2 different invalid and unverifiable accounts on my credit report. I have attached a recent copy of my credit report to this complaint. 

I mailed a certified written letter to Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX requesting my right to dispute the validity of this debt, both have to date ignore my request. I haven't received any communication from XXXX that validates this debt and Equifax continues to verify the account stating that XXXX has certified that the debt is valid. 

If this debt is valid, why haven't I received the proper documentation that proves I owe the amount reporting on my credit report. 

Furthermore, I contact Equifax on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an effort to have this unverifiable account remove, due to the FCRA stating that if this account can not be verified it must be removed. ( See attached certified receipts ) I understand that our economy is under a national pandemic and staff may be low, but after 5 months, I have no other choice to file a complaint against their negligence and unwillingness to properly investigate.
Complaint sub-issue: Personal information incorrect

I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.
Complaint sub-issue: Deposits and withdrawals

I was a victim of a Fraud/Scam attack. I was contacted by a company called XXXX XXXX. They claimed to be able to offer me a loan, and asked me to do some questionable things, resulting in me losing {$990.00}. My bank is unwilling to refund my monies to me. I am a single mother, with one income. I am in need of this money to pay for rent, groceries, fuel to get to work, diapers, and daycare. People make mistakes. I have learned a valuable lesson from this, but for such a large corporation, the bank should be more than able to recompense my funds to me. I have spoken to a banker in a branch, sent an email to the corporate office, and also filed a claim with the fraud department, and repeatedly been told I am out of luck. I am disgusted with the lack of concern over the loss of my monies. I understand I made a mistake putting my financial information out, but considering the magnitude of this company, I do n't see any reason why my stolen funds should be reimbursed to my account. I have filed a police report, contacted the FTC, the MN Department of Commerce and the FBI on this matter also. I feel unappreciated, tossed aside and poorly treated as a financial consumer who was taken advantage of. After following all of these channels, the bank is still unwilling to reimburse the money.
Complaint sub-issue: Account information incorrect

i have been writin the credit bueaus for over a year, XXXX, XXXX equifax is da worst, they have refused to delete addresses, ive never lived at, which i belive is keeping me from getting da promtion in my XXXX XXXX, job. I have never lived at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor XXXX XXXX XXXX they have XXXX bankruptcys on my report that are not mine. I have been to the bankruptcy court, who can not find anything on me, how is it the credit bureaus have this stuff under me.I have a very common surname, which is has gotten me mixed up before, but i have written dem, at leat a year and a half, and have gotten nowwhwere. i am aware. it has cost me money in promotions, time and money ill never get back, how is this possible in dis country, the best of all?
Complaint sub-issue: Application denied

I was sent a letter from XXXX Citibank for a credit card, so a applied for said card online. Even though I exercised my rights in good faith, I was denied, which gives me reason to believe and do believe I was wrongfully discriminated against by Citibank. This appears to have violated 15 U.S. Code 1691 ( a ) ( 3 ). The denial caused unwanted stress. Also, the language in the denial letter was obscene to me, causing mental anguish and XXXX This is a violation of 15 U.S. Code 1692d ( 2 ). Full details are in my attached paperwork.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I wrote to XXXX, Equifax, and XXXX requesting an investigation into items that I believed were INACCURATE, and OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Complaint sub-issue: Information belongs to someone else

Someone has Stolen My Identity to Open These fraudulent Accounts I cant Believe that this Has Happen to me Please Help me resolve This Situation.
Complaint sub-issue: Deposits and withdrawals

I opened a personal checking account online with Key Bank on XX/XX/2022 and gained online access. I made some deposits to start using the account, totaling {$1500.00}. On XX/XX/2022, I discovered my account had been restricted when I could no longer log in online. 

No one notified me of the restriction, or instructions on how to proceed. I called online support, various branches, executive client relations, and fraud support to discover my checking account had been " flagged '' and under investigation because I am located in California and Key Bank does not have a footprint in the state. 

Key Bank has refused to release and return my balance, and I am unable to transfer out my funds or re-gain online access. I would appreciate my balance of {$1500.00} be returned via a trackable shipping method like UPS. 

I would also recommend Key Bank to revise their business practices to notify account holders of any such restrictions and to inform them of next steps forward, rather than for the consumer to be kept in the dark while their funds are inaccessible. 

Thank you.
Complaint sub-issue: Information is not mine

On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.
Complaint sub-issue: Debt is not mine

I have received XXXX phone messages from this number, ATG credit, XXXX, threatening me with taking action against me for a debt that I do not owe. I think this is a scam and I am reporting it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

the car was taken away because of limit information when purchase from the dealer
Complaint sub-issue: Their investigation did not fix an error on your report

the accounts reporting on my reports are not mine and belong to someone else, I am a victim of identity theft
Complaint sub-issue: Their investigation did not fix an error on your report

The account is not being reported correctly on my credit report. The account type, account status, date opened, high credit, credit limit, payment status, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. A charged off account can not be reported as late. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX I have written letters to the XXXX XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus.
Complaint sub-issue: Attempted to collect wrong amount

Accounts over 10 years old XXXX XXXX XXXX refuses to removed violated FDCPA, FCRA AND REFUSES TO DO AN INVESTIGATION BESIDES PARROTING INFO ALREADY RECEIVED. THEY REFUSE TO REOPEN AN INVESTIGATION BASED ON THE DOCS AND NEW INFO I HAVE TO SUBSTANTUATE MY CASE. STATUTE OF LIMITATIONS TEXAS 4 YEARS 392 OF FINANCE CODE VIOLATIONS THERE'S NO LEGAL JURISDICTION OR RECOURSE FCRA 623 a 1c FCRA 623a 3-5 FCRA 623 a 6 b FCRA 615 f 1 FCRA 605 f1 Medical bills not properly codes No thorough investigations FCRA 623 a 5 A Continuing to report info I've INFO ncluded in my idenity theft report knoweth knowingly refuses to supress INFO APPENDIX A DATA FURNISHERS RULE 660 VIOLATIONS XXXX XXXX XXXX GUILTY OF IDENITY THEFT
Complaint sub-issue: Didn't receive services that were advertised

In XXXX I signed up for XXXX treatments and booked some appointments. I did a payment plan with a third party to help me pay for it. A few hours later i decided to call and cancel all services due to personal reasons. The manager was telling me that I could not cancel it because of the third party and because there is no refund. I have asked her to give me the number of the third party so I can call them and explain to them the situation but she told me that she had no idea who the third party was. The manager then told me that she could cancel all appointments but that the third party was still going to bill me either way. I had to wait for the third party to mail me a bill so I could call them and explain the situation. The third party explained to me that it was too late because they have already sent over the fund, that the only way they will stop sending me a bill is if the XXXX XXXX company would send over an email explaining that I've canceled all services. The third party sent over a few emails to them for months and still no response. I even contacted them a few times and no results. I've been dealing with this for months and it is affecting my credits and I am not paying for something that I did not get any services from. On XX/XX/2018 I filed a compliant with the XXXX XXXX XXXX. They tried to reach out to the XXXX XXXX store in XXXX Ma but no response from them.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX I called Great Lakes to issue a refund in the amount totaling over {$16000.00}. They informed me that request should take no longer than 30 days and my account would be updated within 20 business days on the request was approved by the Department of Ed. 

On XX/XX/XXXX, 5 weeks had passed with no update to my account or update on my request. I called Great Lakes for an update and was told that my account should have been updated by 20 business days, and yet it was not. I also still had not received a refund or and update on the request. They informed me that my request was approved with the Department of Education but it was " in process ''. They had not informed me that it could take up to 60 days. 

As of XX/XX/XXXX there has been no progress on my request. It has been over 50 days since I initially requested my refund and have seen no progress. There are multiple testimonials online with others submitting requests later than mine and receiving their refunds already. I do not understand how there isn't a priority depending on when a request was submitted.
Complaint sub-issue: Problem with fees

Citi continued to represent a payment after I had already paid off my entire balance, causing three separate insufficient funds fees from my bank, totalling {$100.00}, as well as a {$25.00} late payment fee from Citi -- despite already having a credit balance from paying more than my entire balance.
Complaint sub-issue: Information is incorrect

The following records are have been recorded and disseminated wrongfully. 
LexisNexis failed to dispute XXXX XXXX 's information which is incorrect and incomplete. The company continues to collect and disseminate ambiguous and questionable information that is designed to discriminate and deny consumer coverage as deceptive business practice. As such it should be investigated for the legitimacy and ethics of its services as it is only benefiting corporations and not fairly services consumers. 

As stated previously road side assistance which is part of the policy benefit is NOT related to driving and is NOT considered a claim and is NOT relevant to the driving record just as XX/XX/XXXX ( Catastrophic ) due to natural disasters such as IRMA. Are impacts from natural disasters supposed to penalize consumers? 


XX/XX/XXXXclaim has been updated as NOT at fault. This is not correctly recorded. 
XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Catastrophic ) Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting act XXXX XXXX XXXXaccountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Complaint sub-issue: Debt was result of identity theft

I keep a close eye on my credit reports now since my car was broken into and all of my cards, checkbook, and my expired drivers license was stolen ( this was in XXXX of 2020 ). About a month later I notice a debt collection for {$260.00} on my credit report stating that I owed XXXX XXXX XXXX for some sort of service ( they would not answer as to what service when I called several times they also told me I have to give them an account number to receive any help, well seeing as how Ive never done business with XXXX XXXX XXXX, I have no such account number and was hung up on several times ) that I supposedly opened earlier that XXXX, I ended up having to dispute the collection with XXXX  and the collection was later deleted from my account. I thought it was all done and handled, until I kept getting calls ( currently still receiving calls ) from a SECOND collection agency ( this time called AFNI ) about the same debt ( but apparently this same debt was opened in XXXX of 2020 ) and earlier this month the collection showed up on my credit drastically dropping my score ( AGAIN! ). This is beyond frustrating and I have gotten nowhere with this companys customer service or their fraud department. They claim they cant help me since I cant give them an account number, I DONT HAVE ONE BECAUSE I HAVE NEVER OPENED AN ACCOUNT WITH THEIR COMPANY!!
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXX/XX/XXXX
Complaint sub-issue: Account information incorrect

This account is inaccurate and l never had a contract with Equiant Financial under the 609 fair credit act. It is illegal to buy another person account and produce inaccurate information on that person credit. I requested Equiant Financial produce sign original document showing this account is owned by me and they are the original owners of the contract. I will be filling a civil Lawsuit for violation under the 609 fair credit act. This collection Agency was allowed to update inaccurate information instead of deleting false information which is a direct violation. This is also fraud and must be deleted immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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

On XXXX of XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this date, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. On section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the fair credit Reporting Act XXXX XXXX  XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX XXXX Account number XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX 2017 a medical debt has been placed on my credit report. I have contacted the company and they are not understanding the 180 days before medical bills can be place on a credit file. Since it has not been 180 days I would like this removed from my credit report. I have contacted my insurance company and they working to fix the issue. The bill should have been paid by my insurnace. Please removed this from my credit report. 
Thank You, XXXX
Complaint sub-issue: Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX  XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't stop withdrawals from your account

I closed my citi priority checking account in XX/XX/2020 XXXX confirmation received and online access to that account was no longer available ). However, I keep on receiving mails claiming that I owe Citibank monthly service fees and overdraft fees.
Complaint sub-issue: Attempted to collect wrong amount

Hunter Warfield is attempting to double collect on a debt for XXXX XXXX XXXX, and they have also added {$1000.00} to both claims. This is not a typo, it has been listed on my credit report under XXXX different reference numbers. Now, as of today, they have increased one of claims, further decreasing my credit score. This is all happening as XXXX XXXX XXXX is challenging all of the misinformation and derogatory items that are listed on my credit reports. Hunter Warfield has made relentless calls to my phone as well as my family members. I have become XXXX  as a result of the death of my child who was XXXX XXXX. My sole income was from XXXX and the state for his care, which was immediately stopped the day after he died. I immediately told XXXX XXXX of XXXX XXXX apartments that my income abruptly stopped and I needed to move. My XXXX and I lived at that complex for XXXX years. I briefly lived with family and got a part time job a few months after my XXXX died. Ive lost nearly everything I own. Now Im XXXX, living in a hotel that costs my entire paycheck, while now working full time. No one will rent to me at all because I have Hunter Warfield double listed on my credit reports seeking over {$8000.00} in total for XXXX XXXX XXXX