Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in XXXX v. XXXX XXXX XXXX XXXX XXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me!

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA se

ction 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for  reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/22 I sent a letter regarding inaccuracies on my credit report and to this day I have not received a response. Section 611 states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand these items are deleted immediately or I will file for litigation.
Complaint sub-issue: Account status incorrect

I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be XXXX days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.
Complaint sub-issue: Account information incorrect

: I recently requested my credit report from  XXXX   XXXX  and found that in  XXXX    XXXX   it was reported that I was 30 days late in paying my auto lease. I was not notified about this.     In researching what transpired at that time I remembered that US Bank notified me they had not received my  XXXX  payment. I immediately wrote a check #  XXXX  for  XXXX  and sent it to US Bank for the  XXXX  and  XXXX  payments. Two weeks later I inquired as to whether the payment had been received and was told it had not been received. I immediately stopped payment on this lost check an issued another check #  XXXX  for {$1300.00} for the  XXXX ,  XXXX  and  XXXX  payments which US Bank received.     I do not understand what went wrong with the payment process, but none of it was my fault. I had maintained auto leases  with US Bank for six years an d was never late on any payment I requested US Bank to remove this notation from my credit report. It has unfairly reduced my  credit score an d I would like it restored. They refused to correct this notation to my credit report.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information is listed on my FTC Identity Theft Report, my written notice, circled in RED on my E

quifax consumer report and this complaint does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Please see all my attachments. Things such as addresses, inquires, incorrect SSN attributes to my finds. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promp tly notify the furnisher ( s ) of that information
.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX 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 an account without my written instructions,
Complaint sub-issue: Overdrafts and overdraft fees

This account is a student account that I opened in XXXX. This checking account is from Citibank and has no fees. They no longer have this program but grandfathered me in to continue using it as such since I have been with them for years and have had no problems which means the fees are waived. I dont keep a lot of money only enough to keep it open since I am currently waiting on a XXXX SSI/SSA claim. I had an ending balance of {$2.00} that I never withdrew as of XX/XX/XXXX. As of XX/XX/XXXX I was given a fee of {$12.00} without warning and right after an overdraft fee of {$34.00}. My account says that It is overdrawn - {$43.00}. I currently dont trust this bank anymore as I also believe they reordered my transactions to charge fees.
Complaint sub-issue: Information belongs to someone else

I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and   XXXX   credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from CREDCO  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The  debt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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: Their investigation did not fix an error on your report

I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 - {$0.00} XXXX XXXX XXXXXXXX XXXX {$75.00} XXXX XXXXXXXX - {$140.00} 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

i believe im a victim of identity theft and fraud.i am unable to get my credit report due to not knowing answers to questions about activity in 2009. I have never applied for a mortgage loan, ive never owned a credit card, ive been trying to establish my credit and this is an issue. my report from XXXX was accurate except for a few addresses listed, equifax however did not allow me to obtain a report based on the information they have not matching my information. please help me to obtain my reports so i can see what is wrong and i can go about filing report
Complaint sub-issue: Public record information inaccurate

Good morning, My name is XXXX XXXX, Im submitting a complaint against XXXX, Equifax, and XXXX. I acquired my credit reports from annual credit report.com and I put in a dispute on a XXXX  XXXX on my report. I submitted my dispute to all 3 bureaus on XX/XX/2022 asking what method of verification did they use to verify my XXXX and no response after 45 days. After no response I called each bureau and explained to the representatives my concerns and I was told the method was verified through XXXX XXXX. On XX/XX/XXXX I sent a letter to each bureaus to delete the XXXX because I received a letter from XXXX XXXX stating that the XXXX was deleted because it wasnt verified. I received no response from XXXX and Equifax. XXXX said they verified it through XXXX XXXX which I dont understand how could they verify through XXXX XXXX if the XXXX dont exist on my report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX 2012, there was a fraudulent activity on my account on card ending with XXXX for {$210.00}, This is a XXXX XXXX XXXX card. I did contact with the customer service and they are not solving the problem, the agent did not transfer the phone call to the manager. 

Please look into the matter and get me a complete credit.
Complaint sub-issue: Frequent or repeated calls

In XXXX, I called the company to set up a payment arrangement on my balance. The message stated Please hold while we connect you to a representative and did not say anything about calls being recorded. I spoke with representative XXXX who did not verify my identity before disclosing the debt associated with my phone number. She also did not inform me the call was recorded. They transferred me to a representative who actually sets up the payments who informed me THAT line was recorded, so I asked if all of them were and he said yes, so I asked to be transferred to a Manager. I spoke with Mr. XXXX, XXXX, who began to discuss the debt with me STILL without verifying or giving a call recording disclaimer. I informed him this was all in violation. He put me on hold to listen to the call with XXXX and came back having verified what I said to be true. I informed him I wanted the matter removed from my credit and that thrown out. He declined. I said I would have to consult my attorney then over the FDCPA violation prior to proceeding with any payments. I verified with him that the calls are recorded and would be available for further inquiry, based on my telephone number. 
- Later, on XX/XX/XXXX and receiving no further contact from them, I called back and a representative, XXXX stated the account was no longer in their system. It was still on my credit, so I disputed it, but it was validated, even tho the rep had stated there was no account there for me. All of this very frustrating and unprofessional behavior that violates my rights.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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.
Complaint sub-issue: Information belongs to someone else

THIS IS NOT MINE. EQUIFAXWILL NOT REMOVE XXXX XXXX XXXX XXXX Hide Details XXXX   XX/XX/XXXX {$14000.00} XX/XX/XXXX PAYS AS AGREED {$14000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I gathered my recent credit report from all 3 bureaus : XXXX, Equifax and XXXX and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, XXXX and Equifax have the same date of last date payment XX/XX/2017. Now, XXXX has a date of XX/XX/2017 as being the last date of payment. Which one is correct?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : 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 an account without my written instructions.
Complaint sub-issue: Sent card you never applied for

I applied for an offer that was mailed to me, but the terms I was approved for would not benefit me. Instead of giving me the option to accept or decline their offer, Citibank automatically accepted the terms for me and created a new account. Since part of my credit score is based on average age of credit, the new account dilutes the average age which will negatively affect my score... And I never accepted the credit offer. Companies should NOT be allowed to accept credit before I ever have a chance to review the terms
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX 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 XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. 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  CARD XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name XXXX Account # XXXX Account Name XXXX Account # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and XXXX  has violated them all they sold my information to a third party service XXXX XXXX XXXX XXXX without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that theses accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately.
Complaint sub-issue: Attempted to collect wrong amount

See attached letter. 

In summary, XXXX XXXX XXXX XXXX submitted an intentionally misleading response to a previous CFPB complaint, and continues to act in ways that violate both federal law and Constitutional right.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax, and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Complaint sub-issue: Banking errors

I opened an online XXXX Savings Account due to an email I received directly from Citibank offering me {$100.00} to open the account, subject to the condition that I invest a certain amount of money into the account. I did so and Citi is now saying I am ineligible for the {$100.00} bonus as I didn't open another checking/savings account, too. This was nowhere in the offer, including the fine print ( full email attached ).
Complaint sub-issue: Account status

My college school loan changed loan servicers and I had to re-configure my loan payment for auto-payment. Since this takes however many days/weeks to process the auto-pay request I received a late payment notice that then lowered my credit score up to about XXXX points. It was my first late payment in my life and completely not my fault.
Complaint sub-issue: Problem with fees

Discover is fraudulently collecting late fees on my payments. 
I keep paying on the due date, and Discover keeps collecting late fees EVERY TIME I PAY ON TIME!!!!! 

I have paid the minimum on XX/XX/2020 ( the due date ) and got charged a fee for " paying late ''. 
I have paid the minimum on XX/XX/2020 ( the due date ) and got charged a fee for " paying late ''. 
I have paid the minimum today XX/XX/2020 ( the due date ) and will likely get charged a fee for " paying late ''. 

Discover needs to refund all the late fees associated with payments on XX/XX/2020, XX/XX/2020 and XX/XX/2020