Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I lived at XXXX XXXX XXXX when I sold my home in Delaware from XX/XX/XXXX to XX/XX/XXXX I  gave my 60 day notice because the complex had rodent problems and numerous home robberies. When I gave my 60 day notice It was agreed upon by the office manager that they would use a portion of my security deposit towards the two months and whatever was left would be sent to me. They did a home inspection and gave me several compliments on the up-keeping of the apartment. They also sent me a letter acknowledging the 60 days notice and the completion of the home inspection which showed the apartment was in great shape, no damage to the carpet ( I cleaned the carpets at my expense ) and the appliances were in excellent shape. I moved and a month later received a letter showing I owed {$2900.00} for ( replacing the carpet, all new appliances and new window treatments ). I called and spoke to several people who informed me that although the apartment was in good shape, I am responsible to pay for new carpet, new appliances and all new window treatments for the next tenant. When I asked where was that in writing, they could not give me anything in writing showing me that was their policy. I explained that there was no damage to the apartment or appliances and they agreed. So after going back and forth with their management staff and threatening to pursue them legally. They apologized and told me it was a mistake and they rescinded their decision and agreed with me. I asked for a letter to confirm that they would not hold me accountable for all new carpet, new appliances or new window treatment. Never got the letter but they did remove it from my credit report. Now after years have passed, they put it back on my credit report again via a collection agency ... this time I want to pursue them legally. My security deposit was about 3k ... ..two month rent would have been about {$2200.00}. I want my remaining security deposit back and I want this removed from my credit report for falsely showing I owe them money when in fact I owe them nothing. I am not responsible for them giving the next tenant new carpet, new appliances or new window treatment. That apartment was spotless, carpet was clean ( looked brand new ) and the appliances were in great shape. Window treatment was also in great shape ... .they should not be able to get away with this ... ..I also want a list of all the damages they say I caused to the apartment ... .but I want them to also have the maintence manager who did the inspection give a statement on how she told me my apartment was spotless and immaculate. She also asked if they could use my apartment for pictures in the apartment guide book ... .Please assist me in stopping slum landlords from robbing their former tenants and damaging their credit for things that should be paid at their expense. If they choose to give all new carpet, all new appliances and all new window treatment it should be at their expense not their former tenants.
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, XXXX and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete its investigation within XXXX days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. Also, correct the address in my fiel. 
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: Personal information incorrect

There is some personal information on my consumer report that I have no knowledge off and i would like the personal information removed, See attachments
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

This is regarding the original complaint submitted to CFPB for XXXX and XXXX. I am providing additional evidence of deceitful business practices by US Bank. The bank responded to the complaint dated XX/XX/XXXX. It stated on the front cover incorrectly that " The state of FL is an electronic holding state. A paper title has been requested ; please allow up to 6 weeks for the request to be completed. '' I have contacted the Florida XXXX XXXX XXXX collector 's office, XXXX XXXX, with a money order of {$85.00} in order to obtain the title in XXXX of 2020. Please see the attached response of the Florida XXXX collector response, note a typo of date, it should be XX/XX/XXXX, not XX/XX/XXXX. US Bank 's response is contradictory to the response of the XXXX collector XXXX in Florida.
Complaint sub-issue: Billing dispute for services

I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    utility bills, gambling sites, and IRS. Also included was IRS and Mail  Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Cu stomer Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted this credit reporting agency, regarding accounts that was reporting inaccurate, and inconsistent information, and I was notified that their investigation conformed that these accounts were accurate and verified but I asked for a copy of " signed contracts '' and receipts of investigation, and for the bureau to investigate why this information that they are reporting is inconsistent with other reporting agencies. A investigation was not properly completed AND THE INFORMATION ON THE CREDIT FILE WAS NOT VERIFIED, and I was not given any of the documents that was requested, nor was a proper investigation was completed.
Complaint sub-issue: Problem with fees

I have an ongoing dispute with Discover Card since XX/XX/XXXX when some Unauthorized charges were put on my account. While Discover telling customers that they do not have to pay for any unauthorized charges, Discover accepted a charge in XX/XX/XXXX from a " merchant '' whom I had informed Discover not to accept any charge in XX/XX/XXXX when I realized the " merchant '' was a Scammer who tricked consumers to give credit card information for unintended charges.

The specific complaints are as follows : ( 1 ) Discover accepted charge from " merchant '' AFTER it was informed by customer Not to accept charge from the " merchant ''. ( I can stop payment on my check, therefore I should be able to stop charges to my account ) ( 2 ) Discover keep charging interests aand Late fees while the account is in dispute.

( 3 ) Late Fees werre charged by Discover despotically albeit the small amount that is claimed being owed. It totally disregards the complaints made by the customer of the outstanding balance.

Late Fee charged in XX/XX/XXXX = {$27.00} Late Fee charged in XX/XX/XXXX= {$37.00} The way Discover charges customer late fees would make Discover so much money that could be it main business! The Late Fees imposed by Discover is Unfair and Illegitimate! It is Usury in Disguise!

( 4 ) Discover reinstated " merchant '' charges after informing customer that " All disputes were Resolved and Completed " in XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Reports and needs to delete immediately. 
XXXX XX/XX/2021
Complaint sub-issue: Card was charged for something you did not purchase with the card

I never received my Bloomingdale 's replacement cards nor did my authorized user. I have been working with Bloomingdales for over a month now to resolve the issue. There is an amount of {$630.00} balance on my account ending in XXXX. I have no idea what this balance is for since all prior transactions were reported as fraud since I never received the replacement cards. Bloomingdales refuses to work with me on resolving the issue
Complaint sub-issue: Used obscene, profane, or other abusive language

XXXX XXXX has violated several of my consumer federally protected rights. XXXX XXXX is a debt collector as defined in the Fair Debt Collectioj Practices Act. I sent XXXX XXXX Exhibits showing exactly how they have violated me as the consumer and I labeled each violation clearly from the FDCPA. 

Violation 1 - 15 USC 1692b ( 2 ) a debt collector can not state that a consumer owes any debt.

Violation 2 - 15 USC 1692d ( 2 ) the term debt is obscene and profane language to me the consumer Violation 3 - 15 USC 1692 ( f ) ( 8 ) a debt collector may not use any language or symbol on any envelope and XXXX XXXX in fact has a logo on their envelope Violation 4 - 15 USC 1692c a debt collector can not communicate with the consumer without the consumer permission to do so 15 USC 1692a ( 5 ) The term debt means any obligation or alleged obligation I never gave XXXX XXXX XXXX to speak to me I never gave them my information. 

There are more violations in the attachment with the affidavit of fact that I sent to XXXX XXXX in which they have received.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : XXXX XXXXXXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates XXXX
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX  XXXX {$1400.00} XXXX   XXXX XXXX {$200.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$980.00}
Complaint sub-issue: Account terms

There are negative items that I disputed with XXXX and XXXX and now I need Equifax to fix the one on theirs. Also my DOB is in wrong it 's XX/XX/XXXX not XX/XX/XXXX and also my middle initial is XXXX not XXXX.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are incorrectly reporting multiple medical collections on my credit report. ( Please see pages 11, 12, and 13 of the attached credit report. ) I have attached a spreadsheet listing the name ; account number and amounts of the medical facilities that have been paid directly by my workers compensation claim. There are no outstanding balances due and owing. This incorrect reporting is harming my credit score and all of these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus directly to resolve this, but I have not been successful.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have 3 home depot cards that are supposedly all linked. I receive emails letting me know when something is due on my account, every time I check I have XXXX due to my account paid and a {$6000.00} credit line. I don't know why, but the account # XXXX XXXX XXXX XXXX has a {$55.00} charge for which I was never sent the email or statements for and is now in collections with XXXX XXXX XXXX with a balance of {$370.00}. I tried calling Home Depot several times for the statements and to try to explain that it was not fair that this charge is on my account and not notified of owing on this credit card, since all my account are linked. I don't even know if it's my charge, but it's ruining my credit. I would make an arrangement with the collection agency just to resolve, but they are charging me over 400 % of the balance and will report me as short paying a debt. This has been very difficult for me because when I login the accounts are suddenly not linked now and they have an old address and my new address. Here are my other credit card number with Home Depot # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX. 
If you could please assist me with getting this resolved, as I dont believe this charge is mine and it affecting my credit negatively. Home Depot will not send me the statements or my signature that I signed for this charge. 
Thank you, XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX XXXX I made my mortgage payment to LoanCare in the full amount for XXXX payment. While it was after the XXXX, I acknowledged the late fee, however my report is reflecting a 30 day late. XXXX refuses to update my credit report accurately even after disputing the information and providing documentation to prove on time payment. They opened an investigation on XXXX XXXX, XXXX after I reviewed my payment history and found that the payment information was incorrect. On XXXX XXXX, XXXX I received an email from XXXX indicating my dispute results were ready. 

After reviewing my updated credit report, I found that the information had not been updated and XXXX added a personal statement from myself stating " Completed investigation of FCRA dispute - consumer disagrees which was not approved by me. 

What is most troubling is that I submitted PROOF of on time payment and still the credit agency declined to update my credit report on top of adding a statement that is FALSE. I contacted my loan servicer on XXXX/XXXX/XXXX and they confirmed over the phone that they have been reporting on time payment for XXXX XXXX. They indicated that XXXX did n't confirm the late payment information but only made a general request confirming that the reported information was correct which my servicer indicates they were reporting accurately the whole time. XXXX should not be able to close an investigation with incorrect reporting when documentation is provided that proves otherwise. 

XXXX has closed their investigation with incorrect information. LoanCare, my servicer indicates they are n't reporting a late payment. I have submitted a credit report to my loan servicer, but need further assistance in getting this resolved as the credit reporting agency has closed my dispute and I ca n't dispute the same payment over again.
Complaint sub-issue: Information belongs to someone else

To the CFO of this corporation : Violation of ( 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( 2 ) ) * ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Acting as a Financial Institution & Consumer Reporting Agency : EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GA XXXX has NEVER received from the only " Authorized Representative '' or " XXXX XXXX '', ( The Natural Born " Of the female Mother 's Womb '' ) Male Offspring of The Family " XXXX '' : At XXXX XXXX XXXX, On XXXX XXXX XXXX in the State of California XXXX XXXX of XXXX, In the XXXX City of XXXX ) of the original creditor " Consumer '', ( with an unlimited open-ended line of credit ) with the established Social Insurance or Thrift Account or [ Social Security Trust SSN # ending in XXXX XXXX ) : " XXXX XXXX XXXX '' or " XXXX '' ) written authorization, instruction or consent to create such a " credit report ''. 

Further, " EQUIFAX INFORMATION SERVICES LLC '' or EQUIFAX is in direct violation of : ( 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ( 3 ) & ( 4 ) ) * ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ; and ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

" Consumer Reporting Agencies '' have assumed a role as fiduciary or trustee ( with no disclosure ) over the " Consumer '' XXXX XXXX XXXX without the permission or consent of the only Authorized Representative. The " Consumer Reporting Agencies '' or in this case EQUIFAX has failed in their " grave '' responsibility to exercise fairness, impartiality, and a respect for the " Consumer '' XXXX right to privacy. 

Therefore, I " XXXX XXXX '' the living Man with a soul, of the Family XXXX XXXX and Board Member of " We The People '' of The United States Of America demand just exchange or justice as the only authorized representative of XXXX XXXX XXXX in this matter , which includes : All dates, amounts, and actions that were taken by Any " Financial Institution '' ( on or off ledger ) with respect to the Social Security Account or `` Trust '' Established for XXXX XXXX XXXX since it's inception XXXX 

Furthermore, I " XXXX XXXX '' of the Family XXXX am the beneficiary of the original " Letter of Credit '' or Living Birth Certificate for XXXX XXXX XXXX XXXX used as an instrument to create & establish the " Trust '' and permit your department to fully investigate all matters as they relate to failure to provide full disclosure, fraud, extortion, failure to perform fiduciary duty and all other protocols your agency deems necessary for investigation. 

Thank you for you attention in this matter, XXXX XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  these accounts have 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.

Account Name. Amount 1. XXXX XXXX XXXX {$18000.00} 2. XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX XXXX. {$990.00} 4. XXXX XXXX XXXX. {$610.00} 5. XXXX XXXX {$480.00} 6. XXXX {$410.00}
Complaint sub-issue: Information belongs to someone else

In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 Section 602A states I have the 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 instruction. I should have ONE name, ONE date of birth, and ONE address
Complaint sub-issue: Problem with product or service terms changing

In the likely chance my SSN was stolen, I am now under risk of fraud FOR EVER. SSNs do not change.In fact, it is likely that criminals will wait at least a year before using the stolen information, which is when Equifax 's free credit monitoring service will expire. 
The fact the Equifax is offering anything else than lifetime protection is criminal.