Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with paying off the loan

Per my earlier compliant # XXXX in which I stated that Flagship failed to acknowledge my loan payoff receipt until after I had to get XXXX XXXX involved I feel that Flagship intentionally withheld applying the payment upon receipt in an effort to accrue interest on the payment and leave me with a balance due instead of a XXXX balance. This in addition to the fact my payment seemed to be different every month is why I demand a full report of all payments and how payment amounts were calculated from the beginning of my loan until the end. I do not believe I should still have a balance due if it was refinanced. Based on the feedback I've received from other past and Flagship customers I am looking into a class-action suit for fraudulent business practices.
Complaint sub-issue: Didn't receive enough information to verify debt

Omega RMS did not comply with the Fair Debt Collection Practices Act Section 809.
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I received a copy of my credit report and noticed a trade line with an account from Omega RMS. Omega RMS failed to send me a written debt validation notice. I then notified all three credit bureaus. Soon after informing the credit bureaus I then called the number listed on my credit report for Omega RMS. I spoke to someone at Omega RMS and they stated they would send something to me. The next week, I received a letter from Omega RMS stating that I owed Omega RMS {$550.00}. Contained in this package was copies of information from XXXX XXXX XXXX with my name on it stating there was an outstanding balance of {$3800.00} and another copy of information from XXXX with my name on it stating there was an outstanding balance of XXXX. There was no evidence of written proof that this alleged account was sold or assigned to Omega RMS or was there a written agreement with the creditor that authorized Omega RMS to collect on the alleged debt. There was also no statement which matches the balance being claimed by Omega RMS as well as there was no complete payment history on said alleged account, to prove the amount Omega RMS wished to collect is accurate. I sent Omega RMS a debt validation letter via USPS which I have proof they received. Until XXXX XXXX, 2017 I did not receive any validation of the debt from Omega RMS and also, Omega RMS verified the debt was accurate to a dispute that I made with the three credit bureaus. Omega RMS did not verify or validate that the debt was accurate with me, but they verified that the debt was accurate with the credit bureaus.
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On XXXX XXXX, 2017, I received another letter from Omega RMS stating that I owed Omega RMS {$550.00}. Contained in this package again was copies of information from XXXX XXXX XXXX with my name on it stating there was an outstanding balance of {$3800.00} and again another copy of information from XXXX with my name on it stating there was an outstanding balance of XXXX. There was no evidence of written proof that this alleged account was sold or assigned to Omega RMS or was there a written agreement with the creditor that authorized Omega RMS to collect on the alleged debt. There was also no statement which matches the balance being claimed by Omega RMS as well as there was no complete payment history on said alleged account, to prove the amount Omega RMS wished to collect is accurate. How can Omega RMS verify and update with the credit bureaus and not verify with me? Omega RMS also ignored my written request to verify the debt and is continuing to collect on this debt before providing verification and validation. This is a clear violation of the Fair Credit Reporting Act Section 809. Who are these people and how did they get my social security number? Also how were they able to report this information to the credit bureaus without my authorization?
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly ( 60 ) days past due on the XXXX XXXX  partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Complaint sub-issue: Debt is not yours

I sent the company a certified letter on XX/XX/2022 to Hunter Warfield XXXX INC, located at XXXX XXXX XXXX XXXX in XXXX FL. It was to indicate that the {$2200.00} debt that they say I owe does not belong to me. I did not sign a contract or any form of agreement with this company. 

To date, I have not received a response from them, and the debt remains on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages..If you do not remove it from my record, please provide me with written proof of every detail shown in your entry.. Remove unauthorized inquiries done by XXXX XXXX, XXXX XXXX XXXX, XXXX 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: Account information incorrect

I contacted Macys, XX/XX/2020, regarding a collections account ( XXXX ) that I was trying to full pay for {$770.00}. I called and was told that I could not pay Macys directly, I had to contact XXXX XXXX XXXX XXXX. And that once I paid the balance they would update Macys in 24-48 hours with payment. And to allow Macys an additional 7-14 days to make sure payment posts and Macys would zero out the balance and update my account to all credit bureaus. I was transferred to XXXX XXXX XXXX XXXX. A rep told me that they could offer me a settlement of {$340.00} if paid during the call. I asked her to confirm that it would show my account was settled with a {$0.00} balance. She said yes and confirmed what the Macys rep said, to pay and allow 48 hours for update and they would notify Macys payment was made and account was settled. I asked if she could send me something in writing to confirm. The rep took my fax number and on XX/XX/2020, she sent me a letter confirming everything. After 14 days, XX/XX/2020, I contacted Macys and asked about updating my account. Macys states that they received the payment for {$340.00} and I still have a balance of {$420.00}. I explained the settlement and she said that my account will eventually update but could not tell me when. I have called and held hours, and no one has been able to assist me with getting the account updated. I even tried to call XXXX XXXX to pay the {$420.00} that Macys says is due and they will not accept it because the account has been paid as agreed. I really need to get this account updated. I am in the process of trying to get my life back on track and purchase my 1st home. My mortgage loan is pending the resolution of this account. While I know paying the account and keeping it out of collections was my responsibility, I have paid the account now when financially able and would like it updated as I was told by Macys and XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I had problems with XXXX and XXXX at XXXX in regards to collection efforts and unfair practices. XXXX released private/confidential information on my mother 's voice mail box regarding my account. XXXX has been less than cooperative in assisting me with getting my account on track. I was making additional payment amounts higher than the regular payment. They don't go by month, they go by days and count payments bi-weekly versus monthly as most companies do. This company is like a pay day loan when it comes to auto loans. I wish I had known all of this prior to getting involved in this loan. I was pressured at the dealership and rushed to signing papers that I was unable to read quick enough ( dealership scheduled signing right before close and rushed me through ). I had no idea I was signing for bi-weekly payments. I thought the {$170.00} was a monthly payment which would be reasonable for the price, year, mileage, and value of the vehicle. Before I knew it was signed into bi-weekly payments of {$170.00} that I could not afford. We have had job losses ( other signer who drives the vehicle ) and they have acted as a payday loan on this loan. I believe the dealership ( XXXX XXXX ) and XXXX are tricking customers into signing into these unaffordable loans and then repossessing when the customer has already paid more than the vehicle is worth. This is where they are earning their money. They don't care about the customer keeping their vehicle. They are quick to repossess to earn more money. They repossessed the truck last night following my CFPB complaint last week on the breach of privacy and unfair collection practices last week. This should be considered and viewed as retaliation for my complaint as I even put in the complaint that I will be paying the loan on XX/XX/23 with my yearly bonus from my company. They were very swift in repossessing right after the complaint with no indication that they were going to do so.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I received a Collection Notice from IC System on behalf of creditor XXXX  for {$220.00} against account No. XXXX. I have a current XXXX  account but it was for a different location and had a different account number. My research determined the account number on the Collection Notice was for a property I sold in early XXXX. The XXXX  account was paid and closed at that time. I verified the status of the account was paid and {$0.00} owing by signing in online to that old account.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

Hi! I have been trying to get this XXXX XXXX  Bankruptcy XXXX XXXX XXXX removed from my credit report. Someone opened a XXXX  XXXX bankruptcy in my name years ago. It was listed on Equifax. I disputed them and Equifax removed it. However XXXX and XXXX did not remove it. Also there is a car loan by the name of XXXX XXXX account number XXXX opened XXXX. This account was fraudulent opened in my name without my consent. There are numerous hard inquiries opened in my name without my consent. XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All credit reporting bureaus must be accurate with reporting on all 3 bureaus.

In Accordance with Fair Credit Act Credit Chapter 7 bankruptcy and Indy Dealer has violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. It also states A consumer reporting agency can not furnish an account without my written consent, I have also attached the certified letter sent from Us Bankruptcy court stating that they don't provide information to the credit bureaus, There is no way they verify with them like the Fair Credit Act act states for them to do.
Complaint sub-issue: Reporting company used your report improperly

XXXXXXXX XXXX XXXX opened XX/XX/XXXX XXXX open balance XXXX XXXX XXXX  XXXX reported XX/XX/XXXX XXXX open balance XXXX XXXX  reported XX/XX/XXXX XXXX reported balance XXXX XXXX  reported XXXX XXXX XXXX XXXX  reported balance XXXX reported XX/XX/XXXX XXXX XXXX reported balance 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: Deposits and withdrawals

On Saturday XXXX XXXX XXXX. I deposited a pay check into my checking account in the amount of {$1400.00} through the atm as the bank was not yet open. Knowing I 've done this and it takes a few days for this transaction to happen and not needing to use my card or money. I eventually started using my debit card for every day purchases. i.e. gas, and water and food for work so I can make more money! Well I went to use my debit card today on Saturday XXXX XXXX at my local branch, and my statement was telling me I was negative {$440.00} dollars in my account. That 's negative XXXX dollars? .The bank is not open at this time, so I call a XXXX number for this bank, by the way is Key Bank and I live in XXXX XXXX Or. And they are telling me this paycheck is still on hold? With no reason for why! So I go down to the bank again as it 's XXXX XXXX and the branch is open. I speak with a teller and ask to see a manager but eventually tell the teller my reasons for coming in. She says that I would have to goto the branch I opened my account up at? I eventually do get to talk to a XXXX? A XXXX XXXX XXXX. he opens his computer and is questioning why the check is still being held. But found out this held paycheck wo n't be released till Tuesday XXXX XXXX? That 's 1 week and 3 days from the time of deposit and states that I will have to wait till then, Tuesday XXXX XXXX XXXX to get any resolution to this matter. In the mean time I have my life to live and my payments to make and being negative XXXX dollars in my account these fees are just climbing because they are accruing as this check is being held. I feel I 'm getting the run around and my local branch is still telling me to goto the original branch where I opened my account? That 's kinda impossible!
Complaint sub-issue: Debt was paid

I received this letter on XX/XX/2021 from UNIFIN stating that I owe for a bill that I opened an account 15+ years ago. I feel this is a threating action from this company as I have had my credit dissolved and currently only owe for 2 items 1 credit card and 1 XXXX XXXX card. I contacted XXXX XXXX and they quickly responded to me by giving me your information and also to contact the Attorney General in California. It seems as though this company is opening passed credit history that has been closed. The bill they sent to me does not have a description of what the item is. I feel this is unfair since this has been cleared from my credit report. I love all that I have read that you do to help consumers. Thank you. 

Thank you for your time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My XXXX score went from XXXX to XXXX in XXXX months. This caused my alarm. Further research and a company named FBC Mortgage did a hard inquiry on my credit. I did not authorize this. 

First address from XXXX : XXXX XXXX XXXX XXXX FL XXXX Left a message with their legal and received no response : XXXX XXXX Next hard inquiry was for FBC Mortgage from XXXX Certified Credit XXXX Cabot Rs # XXXX XXXX XXXX CA XXXX No phone number available
Complaint sub-issue: Debt is not yours

I was trying to make a loan at this other bank on XX/XX/XXXX and later they call me an say we cant approve your loan because it show on your credit history that I owe XXXX XXXX so I ask them when an they said on XXXX and they told me that collection agency is after me which is I honestly never ever step on XXXXXXXX XXXX property in my whole life.
Complaint sub-issue: Personal information incorrect

I have mailed certified letters to all three CRA 's with a copy of my Drivers License that has my correct mailing address and they have yet to clear out the ones that I've never had or no longer receive mail at.
Complaint sub-issue: Fee problem

Back in XXXX I applied for and was approved for a Virtual Wallet With Performance Select account. Overall I've been quite satisfied with this account ; however, after several months, the requirements to keep the account fee free became burdensome so I elected to change my account from a Virtual Wallet With Performance Select account to a Virtual Wallet account. This new account only required " {$500.00} or more average monthly balance in Spend + Reserve '' accounts to keep the account fee free. 

In order to make this product change, I clearly remember going to the " preferences '' tab of my account and sliding the balance slider to compare the benefits of a different edition to my current edition. I went ahead and clicked the " Change Edition '' button in order to change my account to Virtual Wallet. The request went through, and I assumed I would have no problems as long as I kept a minimum of {$500.00} of the account. At that time my account balance was {$520.00}. 

Fast forward to today, I just reviewed my account and I see that I have been charged {$25.00} account maintenance fees for both of the past two months. I asked customer service about this, who very flatly said that there was no record of my account change taking place and that all they could do was change the account type ( which I had already done online myself several months ago ). While it appears as if the account change is now confirmed, I am still out the {$50.00} in fees for a mistake that appears related to PNC 's information technology.
Complaint sub-issue: Company closed your account

On XX/XX/2022 XXXX XXXX had sent a letter to me requesting that they needed an original statement of the bank account used to fund the security deposit. 
Since it has been close to 2 years I could not locate that information. 
The letter indicates if they do not receive an original statement of the bank account used to fund the security deposit account they will then close down my account. 
On XXXX XXXX. XXXX XXXX closed my account. 
I have a {$2000.00} security deposit. 
Customer service said it could take over 13 weeks to get my security deposit back. 
The account is paid in full and I am concerned that I will not get back my security deposit. 
A derogatory mark could land on my credit report
Complaint sub-issue: Report improperly shared by CRC

I need to know that what I am being shown by my paid account with Equifax is what my score is becuase under CFPB Case # XXXX XXXX states that Equifax has different scores they present to lenders? 
To quote XXXX in CFPB Case XXXX the following : " XXXX said : Explanation of closure Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. 
Each credit score model has a slightly different formula that takes into account over XXXX different factors of your credit report ; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. 
On your XXXX account, you will see the XXXX XXXX scoring model, provided individually by XXXX and Equifax. 
XXXX XXXX incorporates a broader set of credit-related data and can score up to XXXX XXXX more people than other models. With so many different scoring models out there, you never know which score a bank will use, but XXXX XXXX is a strong predictor for what the banks may see. 
Hope this helps! If you have more questions, please feel free to let me know. 
XXXX, XXXX XXXX. 
XXXX Is Equifax committing fraud by using different scores and telling me my score XXXX as shown by attached or is XXXX disclosing false information and Equifax disclosing different score? 

Someone in this matter is CLEARLY being dishonest and corruption should be illegal. When does federal government uphold justice and stop the twisting of information as shown here.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Company closed your account

On XXXXXXXX XXXX XXXXXXXX CITI Bank with whom I was banking for 2 years decided to close my small business account. 

As this was my only business account and in order to keep the business alive and pay my employees and suppliers, I needed access to the funds as soon as possible and I called everyday CITI bank and asked them to expedite the closure so they can send the check faster to me. 

On the XXXXXXXX XXXX XXXXXXXX the total balance of {$510000.00} was withdrawn from my account, and subsequently I received a check in the order of my name, ( which is strange, I should've got one in the order of my company XXXX XXXX, as it was a business account ) in the sum of {$500000.00}, so {$3100.00} less then the total amount that was withdrawn. 

Moreover, after the XXXXXXXX XXXX  XXXX additional funds were deposited in my account from some of my suppliers, that unfortunately updated their records of my banking details later than the date when they made the transfer. Specifically, {$2100.00} from XXXX XXXX {$440.00} & {$2300.00} from XXXX. These funds were on my balance until XXXX XXXX when they were again withdrawn by CITI. 

The check I received in the sum of {$500000.00} I tried to deposit on my new business account with XXXX XXXX  XXXX. I wasn't able to do it as it was not in the name of my company but my personal name. So, I tried to deposit it on my personal account with XXXX XXXX XXXXXXXX on the XXXXXXXX XXXX XXXXXXXX. On the XXXX XXXX XXXXXXXX the check was rejected with the line " ITEM RETURN CHARGEBACK '' and XXXX XXXX XXXXXXXX informed me CITI bank has placed a STOP PAYMENT on this check. So now the check is not valid anymore. 

I called CITI on the XXXX to try to understand the situation but nothing clear was explained to me. And now I don't know what else to do, and need help! 

Total money that is owed to me by CITI BANK is {$510000.00}. I request this matter to be expedited and a NEW CHECK for the full sum of {$510000.00} to be mailed to me in the order of my company ( under which the account at CITI was opened ) XXXX XXXXXXXX, as a matter of urgency.