Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is REQUIRED to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform XXXX and XXXX that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer credit report
Complaint sub-issue: Debt is not mine

I have multiple collection agency reports on my credit report from XXXX and enhanced recovery company which I have never personally opened accounts with. They have increased up to {$640.00} which is recorded as a cable/cellular service which I have never subscribed to. I want this record off of my credit report as it is damaging to my character and I did not authorize these accounts. They show up on my report as early as XX/XX/2016 and I know for a fact I have never opened any cellular or cable accounts in that time.
Complaint sub-issue: Information belongs to someone else

The three major credit bureaus are reporting an erroneous debt on my credit file. I have previously submitted disputes to you stating that this account should not be reporting on my credit file. This debt was dissolved when I got a divorce and have proof that all collection activity ceased on this account. However, the bureaus continue to report inaccurate information and are keeping me from being able to move forward in the home buying process. I have once again attached the letters as proof that this should not be reporting and it must be removed immediately.
Complaint sub-issue: Problem getting report or credit score

Equifix will not send me to the right dept to get my report
Complaint sub-issue: Other problem

HAVE COSTCO VISA CARD WITH CITI BANK. THREE ORDERS WERE CANCELED BY COSTCO. HOWEVER PENDING CHARGES STILL SHOW ON MY CREDIT CARD FOR OVER {$3700.00}. HAVE SPENT HOURS ON PHONE WITH COSTCO AND CITI. 
COSTCO SAYS THEY RELEASED CHARGES. CITI REFUSES TO RELEASE CHARGES AND SAYS THEY WILL NOT DO SO FOR 30 DAYS. I WANT CHARGES FOR CANCELED ORDERS RELEASED FROM PENDING CHARGES.
Complaint sub-issue: Trouble with how payments are being handled

I am a public service employee who has been making continual payments for well over 10 years. I have been on the appropriate income based payment plan that entire time. FedLoan Servicing informed me last year that many of my payments didn't count, because I didn't make the exact payment each month. Example, my bill was {$300.00}, I paid {$400.00}, so the next bill that came via USPS was for {$200.00}. It stated that I owed {$200.00} for that month. I paid the {$200.00}. It didn't count as a full payment and I wasn't informed until I attempted to certify my employment. I understand rigid policy. The problem is that all it took to fix it was for a customer service rep to click a button making the pre-paid extra actually be accepted as prepayment of the next month. FedLoan chose to set the default as a way to guarantee that borrowers take longer to pay off or have the loan forgiven. This is a scam that is certainly affecting thousands of borrowers who are acting in good faith only to find out that the choice of a clicking a box by a customer service rep may have cost them years of additional payments.
Complaint sub-issue: Information belongs to someone else

My ex husband and I opened a mortgage with Midland Mortgage on XX/XX/XXXX. In accordance of the divorce decree my ex husband refinanced the mortgage with Midland Mortgage on XX/XX/XXXX. Midland Mortgage kept the same account number but removed my name. Midland Mortgage reported to XXXX  and XXXX  who reported appropriately the account was paid off and closed. XXXX  however has continued to report my ex husband 's mortgage on my report. When I wanted to dispute this with XXXX  I had to pay for their credit monitoring service prior to being able to dispute.The dispute was filed XX/XX/XXXX. The dispute came back on XX/XX/XXXX with report number XXXX that the account had been updated or removed. When I viewed the report it said terminated. The responsibility for the account had been terminated due to XXXX not receiving a response from Midland Mortgage. Now the account reports as terminated when lenders pull my FICO 2 report. It does not report my responsibility for the account was terminated. On XXXX  my report through them shows account PAID, closed on the accounts on my report summary page. When you click on the account it says responsibility terminated account closed. The account still reports payments from XX/XX/XXXX to XX/XX/XXXX. This includes 17 late payments on the account. To add insult to injury the 17 late payments occurred seven to eight years after my name was removed from this account with the most recent late payment being XX/XX/XXXX. This is dragging my credit down significantly according the lender I am working with to try to buy a house. I opened another dispute with XXXX  on XX/XX/XXXX. I can't get ahold of a person at Midland Mortgage to talk to them. The only thing I can do is make an automated payment when I call customer service for Midland Mortgage. When I call XXXX   customer service all they say is I have to file a dispute and the dispute center has to process it. Customer service for XXXX is not able to remove any item correct or not correct. Now the second dispute says, " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The dispute center says it is under dispute until XX/XX/XXXX. I want the credit report to be correct. This mortgage was closed XX/XX/XXXX and paid in full with no late payments on the account.
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened an account with Citibank around 2 years ago, after confirming with multiple people at the company that the account will be converted solely to a XXXX card. I confirmed again in XX/XX/2020, being told yes that is the situation. Im deeply disturbed by the lack of integrity taken and my former complaint was closed out with no resolution or attempt to seek a resolution. Instead, Ive been bait and switched into a very poor quality credit card, when I would rather be back with my secured card working towards a XXXX.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Hi, I have a problem with returning my car to Tesla. 

On XX/XX/2022, I returned my leased car Tesla XXXX XXXX back to the dealership. On the pre-inspection, I've got a recommendation to change my rear tires since they were used. Before returning the car on XX/XX/2022, I changed my old tires to new ones. 

After a few days, I received an invoice where Tesla wanted to charge me for the old tires. 
I told them that I changed them to new ones. They send me photos of absolutely different cars ( I understood that because in the picture all tires were XXXX ). But I changed them to XXXX with the same characteristics as XXXX. 

After I attached to email the recipe from the tire shop and tell them that they are cheating with evidence. They stopped replying to my emails and I don't have any updates. 

Please, feel free to ask me any questions.
Complaint sub-issue: Account status incorrect

I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX  XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute a late payment reported on my account from key bank for the month of XXXX through XX/XX/XXXX. 
The reported account I had opened with XXXX bank with my mortgage account in XXXX. Then XXXX Sold their branch to XXXX XXXX bank in XXXX and transferred my mortgage and bank account to XXXX XXXX Bank XXXX XXXX XXXX XXXX NY XXXX. In XXXX, XXXX XXXX XXXX converted to Key Bank and my account was transferred to Key Bank ( XXXX XXXX XXXX, NY ). 
Then after some time Key Bank branch at XXXX XXXX NY closed and they transfer my mortgage account to XXXX XXXX XXXX bank in XXXX XXXX, NY ). My checking account transferred as showing recorded to XXXX branch. 
In XX/XX/XXXX, I received a call from KEY BANK that I have dues that is : XXXX USD and I noticed when I pulled out credit history, that they have reported a 4-month XXXX through XX/XX/XXXX late payment. 
I paid that amount to avoid any late payment then I called key bank to ask what kind of dues they had reported. I had no activity with this account for many years and my balance was XXXX. 
Then the representative explained to me over the phone that they charged me for returned undelivered mail fees. 
How can they charge me for undelivered mail when Key bank had NEVER made any agreement with me and I also have no agreement with XXXX or XXXX XXXX WHERE THEY STATED that they would charge me for undelivered mail? That is why the XXXX XXXX bank never charged me fees while I was living out of country from XX/XX/XXXX to XXXX. 
Please kindly remove any late payment reported from my credit history. I dont have any fault. I never made late payment with any one in my credit history in the past 17 Years. 

Please kindly review my case and remove late payment report. 
I will be very thankful to you. 


SUMMERY : CAN BANK CHARGE ANY FEES WITHOUT ANY AGREEMENT WITH CONSUMER? 
THIS ACCOUNT NEVER OPEN WITH KEY BANK IT WAS TRANSFERRED FROMY OTHER BANK THAT NEVER CHARGED ME ANY FEES FOR RETURNED MAIL WHILE I WAS OUT OF COUNTRY.WHY KEY BANK CHARGED ME RETURNED MAIL FEES WITHOUT INFORMED AND AGREEMENT?
Complaint sub-issue: Problem with personal statement of dispute

I opened an account with US Bank on XX/XX/XXXX to get a car lease. Account number is : XXXX The billing statement is due on the XX/XX/XXXX of every month and i have been making payments on time upon the receipt of the statement ( paperless billing ). 
What had happened is that i somehow did not get the XX/XX/XXXX statement or went to my junk emails which resulted in not paying on time. 

US bank on the other hand did not reach out to me nor given me a courtesy call to notify me of a pass due situation. Instead, the only thing i received in the " Mail '' was a billing statement with double the monthly amount on XX/XX/XXXX and a side not saying " i am pass due on my account '' as in the attached Statement letter. 

The letter also stated that if i take care of the payment immediately, that can resolve the delinquency situation. I did pay it on the spot as in the attached transaction history ( date highlighted in yellow ). 

I have tried to reach out to US bank many times, spoken with a dispute department manager. However, they keep saying it was my fault. 

I am very careful with paying my bills and my credit history speaks for itself, and from my experience with credit card companies, they do care about customer satisfaction and credit integrity. Unfortunately, US bank just decided to ruin what i have been working on for so long just because they wanted to do so. 

I have almost 30000 $ credit limit combining my credit cards, i also am an XXXX  XXXX at XXXX XXXX XXXX. My point is i do make money and under no circumstances i did not want to pay my bill for US bank. 

I am being very honest and transparent in my complaint and my only hope is for the CFPB to look at it and try to resolve the issue with US bank. 

I have lost more than 73 points from my credit score for an unlawful mistake, i just want to fix the situation because i am trying to get a mortgage and with that late payment to stay on my report, it would be nearly impossible. 

Thank you XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.

I am a victim of identity theft and noticed a collection from HUNTER WARFIELD. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against HUNTER WARFIELD in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Was not notified of investigation status or results

XXXX, 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 demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 

XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX NXXXX XXXX XXXX  Account # 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.

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.

Please remove this account.
Complaint sub-issue: Account information incorrect

I 've had the hardest time with trying to get my issue resolved with XXXX XXXX XXXX. I recently pull my credit report and determined I have a hard inquiry on my credit report from XXXX XXXX XXXX on XX/XX/XXXX. During the enrollment process for the XXXX service, there was a disclosure read to me of credit check would be done for the review of my application. I was confused as the disclosure did not provide specific information if the credit review would be for a hard inquiry or a soft inquiry. I asked the specialist if she could confirm this for me. On the same conversation she advised this was not a hard inquiry and would be a soft pull done, so it will not reflect on my credit report. With this understanding, I agreed and continued with the application process. I called XXXX XXXX XXXX in which the specialist advised she would submit a request for a credit analyst to reviewed my profile for the hard inquiry and call me within 48 business hours as they were closed during the weekend. I did not received call back within the timeframe i was given so today XX/XX/XXXX, i called and checked on the request. I was advised there was not a request submitted for this review when I previously called. After 50 mins of being transferred around, being hung up on once, I finally got over to a credit analyst, who advised me they do n't have a produce to remove this credit inquiry as they would refer their customer to dispute it with the credit bureaus. As I made the specialist aware I 've already looking into that option, in which my request was denied. I advised her the only option I had was to dispute the inquiry as fraud. I advised I would not dispute this as fraud. As the definition of fraud is not having no participation in the activity, in which does n't apply in my case because i have this active account with XXXX XXXX XXXX. The same employee as well advised that she does n't understand why this particular employee would 've assured what type of credit inquiry would be established, as she is in the same position as her. She advised they are not even sure what type of inquiries are done. She advised " Out of best practice '' for the customers she assist with the enrollment of service, she advises them she is unable to confirm what type of inquiry it would be done as the credit team would determine this during the review of the application. I feel like i was mislead by XXXX XXXX XXXX/employee. I am not certain if this was done intentionally by the employee to gain personal commission, or if its something that if not clear to XXXX XXXX XXXX employees to provide unfair parties to their customers in general.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing in a the following items of information. Any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I WAS TRYING TO PURCHASE MY First home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Complaint sub-issue: Indicated committed crime not paying

I had gotten XXXX back in the year 2012 and after having problems with the services, I called them to cancel my services with them ; it was off more than it was on. They sent me a box to ship all service equipment back to them and I did just as instructed. The representative informed me that if I return the equipment then I would not owe anything. I had not gotten any statements from XXXX and the only thing I knew was after checking my credit report it was with a collection agency as an open account. I have not used XXXX since 2012 and all equipment was returned back to them. The collection agency AFNI told me that this is an open account and I need to pay it in full or further action will be taken against me.
Complaint sub-issue: Personal information incorrect

I called Equifax and let them know that my credit report is showing the wrong person 's information on it and needed help fixing my credit report information. The gentlemen on the line told me that I was wrong and everything matched on my credit report. Not only am I looking at it in the computer but my refinancing company is questioning and requesting proof on accounts that are not mine, I called one of the credit cards on file and they verified that it was the wrong XXXX. My date of birth, addresses, social security number, jobs, loans everything is mixed with someone who has the same first name but different everything else. He refused to help me so I had to file 9 different requests there were too many for me to file all on line. I sent a copy of my ID, SSN to show them they have the wrong information. They sent me a letter with the other person 's information telling me the problem is fixed. Yet, all the information remains mixed up. I need assistance in fixing my credit report it's messing up my credit and delaying my refinancing.
Complaint sub-issue: Investigation took more than 30 days

Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in 47 day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I would also like to bring to your attention that according 15 U.S. Code 6802 ( a ) A financial institution may not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you
Complaint sub-issue: Information belongs to someone else

I am a victim of identity fraud. I have submitted documentation as in a police report proving identity fraud. I also find problematic that I was a victim of the security breech, which was my drivers license, and these items still have n't been removed. It is an issue that Equifax did not protect my information but yet, still allows these fraudulent items on my credit report. The items that I have disputed are as follows : All XXXX accounts ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and all of those inquiries with the exception of the inquiries from XXXX 2016. 

I have disputed these items multiple times. Multiple times they have been denied. Also I see that Equifax has tried to cover up the fact that the investigation was n't completed within 30 days so they reopened another one to cover everything up. 

I have records of conversations, the numbers of disputes that I have opened, and more as proof. I also have my police report. I am prepared to file a lawsuit against Equifax and I will. I am tired of Equifax playing these games and messing with my livelihood. I do n't appreciate it and I will not sit back and just take it anymore. I will be filing a lawsuit asap because my rights have been repeatedly violated and I am not going to sit here and take this anymore. If you do n't want that lawsuit to happen, you will remove those items asap in accordance with my police report that is attached.