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

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Complaint sub-issue: Other problem getting your report or credit score

Early XX/XX/2020 I submitted disputes along with my attorneys via USPS mail. XX/XX/2020 I get an email from Equifax that they are investigating. Now I've already tried a week prior to access my credit reports via Equifax which is impossible. The email ask me to click on a link to opt-in to receiving notifications via email. When I click the link, fill in my info I constantly get a confirmation failure. Then I set up an account, can't log in. Even after changing the password several times ( you can only input so many different times ) every time they send the link to my email to change. After changing, I still can't log in, then it locked me from logging in asked me to call XXXX. On XX/XX/2020 I called verified my self ultimate times, the representative is incompetent as well, ask me to change the password again, then it locks me out. She then says there is a problem with their system. Yea right and that I needed to call back in an hour. I asked for a supervisor and she did everything to keep me from talking to an supervisor, until I demanded. Then I thought, often these issues with communication occur with a break down in culture and understanding. When the supervisor came to the line, I asked him what country were they in and he refused to answer. Actually stated that they were not allowed to say so. I again explained the frustration with their system and how no one seems to understand what's going on or how to get us access. While waiting for the supervisor I started google searches and found many people complaining of the exact same issues. Many on XXXX. When a company has such personal information of ours, the constant threat of identity theft and then they offer us incompetent representatives from other countries does not give us the most trust with the company. I am not comfortable with this at all. I asked to speak to an american supervisor. Equifax has issues that are not experienced by the other consumer bureau agencies.
Complaint sub-issue: Information belongs to someone else

The status is incorrect for the following accounts, public record and inquiries listed in my report are unauthorized and fraudulent. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

There were multiple credit cards opened in my name fraudulently. Debt was accrued and this was not authorized by me and is identity theft. I have tried to remedy this by calling and claiming fraud but I have received no correspondence. I simply want these accounts deleted and removed from my credit report and out of the database with the bank.
Complaint sub-issue: Problem with personal statement of dispute

I have had a student loan w Nelnet for many years. Right after graduation they convinced me to consolidate so I would have one payment and one account. I did and it locked me into a higher rate then I might have gotten if I had waited. Never the less I have been paying on it for over 10 years and been a loyal customer who will be with them for many to come due to my principal balance. I have a good payment history with them. I made a mistake and un-linked my payments in my online banking and became delinquent. I shred my statements but when I realized that something was amiss because it was alerted on my credit report monitoring I called and took care of the balance that day. I take responsibility for my mistake. However, Nelnet has reported it as two separate loans past due on my report. Basically doubling the impact of the mistake. I have one payment. I understand they have it listed as two loans in their system for their purposes but this is an unfair burden because it has caused a severe impact to my credit score. I asked if there was a way to only report one delinquent or amend it due to my positive payment history. They refuse and are disinterested in assisting me. I have called and spoken to several people- getting conflicting information. I finally spoke to someone in the dispute department and there was nothing he could do. It is preventing me from refinancing my home and is putting my family in a position to overpay. I did not ask them to not report my mistake - only that it should not look like six missed payments on my report only three. This is not the first negative interaction I have had with Nelnet. Years ago I signed up for their automatic payment program and a few statement cycles later my principal increased by several thousand dollars. I called in a panic was informed that in the fine print of the program enrollment that it was one of the terms. I was shocked that that would be buried as a term of a payment agreement. I have little faith in them to do right by people like me who have paid a ton of interest and made no headway with on their loan debt. I am hoping that someone can help me find a resolution so that I can move forward and refinance our home and begin saving for my children to go to college. I do not want them to carry the same burden I have.
Complaint sub-issue: Debt is not yours

I'm fairly sure this is a scam. A " company '' called XXXX XXXX XXXX, or XXXX, sent me a collections notice for about {$1000.00} for XXXX XXXX for a hospital in XXXX Tennessee. I have never received any XXXX or other XXXX XXXX in XXXX. There appear to be other complaints about these guys on XXXX, which I already reported to.
Complaint sub-issue: Public record information inaccurate

XXXX has a completely different reference # than the other 2 bureaus, Equifax is missing the date settled, all bureaus are missing the liability amount and status of the account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX for {$140.00} ; # XXXX for {$3200.00} ; # XXXX for {$140.00} ; and # XXXX for {$250.00} XXXX  XXXX XXXX Account ending in # XXXX for {$230.00} XXXX  XXXX Account ending in # XXXX for {$100.00} and account ending in # XXXX for {$200.00} 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I found out I was part of the equifax breach. My credit score keeps dropping, but I have no late payments. I did not sign up for their free credit monitoring or anything. What are my options. I would like to sue them for this. Please let me know. 

XXXX
Complaint sub-issue: Company closed your account

On or about XX/XX/XXXX I opened a credit card account with BB & T Bank. 

I began using my card and making timely payments. On or about XX/XX/XXXX I attempted to use my card and the charge was declined. I called BB & T and was told that they did not know why my card was declined and to try again. I attempted to use the card the next day, again declined. 

I called BB & T and was told that I needed to speak to someone in a specific department ( they would not tell me the name of the department ) and that the person was out and would call me back. 

I never received a call back. I proceeded to call BB & T several times seeking information over the next few days, finally I was told by someone that " we are closing your account, you will receive a letter in the mail. '' On or about XX/XX/XXXX I received a letter in the mail from BB & T stating they were closing my account and reason given was " no longer maintaining relationship with this customer. '' I had a balance with BB & T when this happened, of approximately {$1000.00}. I had autopay setup and the balance was subject to a promo rate of 0 % APR. I called and asked BB & T If I needed to pay the balance in full or if I could just let the autopay run its course. I was told that while I could not make any new charges, I would still have access to my online account and could let the autopay run or make additional payments. 

On XX/XX/XXXX, I noticed that on my XXXX  credit file, the account has been listed as " charged off '' causing my credit score to tank. My last autopay on the account was on XX/XX/XXXX. I called BB & T to inquire what had happened, and was simply told " you should dispute it. ''
Complaint sub-issue: Information belongs to someone else

Someone used my information for their personal gain. 
In accordance with FCRA section 611 this company violated my consumer rights! 

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: Difficulty submitting a dispute or getting information about a dispute over the phone

The is my 4th attempt to get answers. XXXX has responded with documentation stating that have verified a Bankrupt with LexisNexis on XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I perviously reached out to LexisNexis about this matter which on XXXX, XXXXXXXX XXXX LexisNexis responded with a letter stating they have removed Bankruptcy from its file. So my question to LexisNexis is have you continued to verify this Bankruptcy after XXXX, XXXX XXXX to XXXX if so what verification method was used! please respond on this plate form!
Complaint sub-issue: Account status incorrect

I filed for chapter XXXX bankruptcy XX/XX/XXXX. My meeting with the creditors hearing was XX/XX/XXXX @ XXXX in XXXX , Oh. My chapter XXXX discharge was in XXXX case # XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , OR XXXX ( XXXX ) XXXX account opened XX/XX/XXXX is reporting as a Charged Off with the remarks : Purchased by Another Lender > Paid In Full/ Was A Charge Off. 

I have disputed this several time with all 3 credit bureaus and the individual company and they refuse to update it to state Discharged Chapter XXXX dispute my many requests. They stated that since it was sold prior to the bankruptcy discharge date that they do not half to. This is incorrect by law and I have followed up with my bankruptcy attorney ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mr. XXXX advised me to send this request and if not resolved to follow up with him to proceed in legal action. 
Last dispute date XX/XX/XXXX with XXXX  file # XXXX Investigation report completed XX/XX/XXXX. As previously stated this is just one of the disputed examples ; I have filed several times with all 3 credit Bureaus since XX/XX/XXXX. All other disputes regarding my previous accounts were all corrected and updated to reflect the Chapter XXXX bankruptcy, but XXXX XXXX refuses despite my continued requests, copys or discharge documents & per current bankruptcy law.
Complaint sub-issue: Information belongs to someone else

I contacted equifax, and XXXX regarding fraudulent inquiries on my credit report I sent equifax and XXXX copies of my identity theft report But still the fraudulent information remains on my credit report.
Complaint sub-issue: Account information incorrect

My credit is lower than expected. I have paid all my bills on time and for my credit score to be in the 500s is ridiculous How much credit i have should not impact my score that significantly when i pay my bills on time.
Complaint sub-issue: Information belongs to someone else

This company is reporting fraudulently amounts on my credit report. XXXX XXXX posed as a different company on the phone and I agreed to pay thinking it was another company. This company had already reported negatively on my credit report as a charge off ... the initial balance they alleged I owed was {$2100.00} in XXXX of 2020. Since then each month they have reported late fees of {$58.00} dollars monthly. I have proof this company is a fraud and is very deceptive. XXXX opened a account in my name under deceptive and fraudulent information. They should not have the right to bully consumers and impact their lives, by reporting false and fraudulent information on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CITICARDS CBNA with no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unprofessional and needs to be resolved ASAP!
Complaint sub-issue: Information belongs to someone else

I just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus
Complaint sub-issue: Don't agree with the fees charged

I was charged for an auto-debit amount that I never approved. The only amount that I ever agreed to was {$29.00} and Nelnet charged my account for {$320.00}. When I explained my extreme circumstances, I was met with just a refusal to refund the amount that was never approved by me. 

I was in a car accident and have been dealing with the consequences of that and Nelnet refused to work with me at all on this. They offered no way to return my funds, regardless of whether I approved the total or not. 

The original approved total would have been acceptable and this is just theft. 

They stole {$290.00} from my account.
Complaint sub-issue: Transaction was not authorized

Trying to invest in my future through different apps ... ( XXXX, XXXX for example ). PNC says no! For months I was connected through the XXXX  app and randomly PNC blocked it from INVESTING IN MY FUTURE! Recently downloaded the XXXX app ... no change. Thanks for keeping me safe from anyone or anything trying to fraudulently gain access to my account, but I really dont want to have to justify all my decisions each and every time I link my account. Please work to build some type of account linking protocols so I can avoid this. Thanks! P.S. Ill be leaving soon ( marriage reasons, but have enjoyed being a PNC Bank customer ). Thanks
Complaint sub-issue: Investigation took more than 30 days

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID
Complaint sub-issue: Information belongs to someone else

I have submitted a previous dispute ( XXXX ) and now have been advised by my attorney to enter this final dispute before I file a motion with the courts. 

Ive also attached a copy of the Law contract that clearly shows that I wasnt the Co-signer/Maker. This signer was a XXXX XXXX Only. 

This XXXX XXXX was sold in XX/XX/2012. The last payment was made by XXXX XX/XX/2012.

In the complaint filed above the Creditor attached a Third Party Guaranty, It was written by hand, listed no Vehicle Identification Number, and never disclosed.

This negligent reporting behavior by Ally has been detrimental to me personally since the destruction of my property in Hurricane Irma, Ive been denied credit and/or have incurred higher interest rates due to the inaccurate reporting.

Ive made many attempts to clear this from my personal credit file but Ally continues to manipulate the last payment date, account number, and the amount by {$1.00}, I have 24 months of documentation from all 3 CRAs showing this abuse.
Complaint sub-issue: Information belongs to someone else

There are several incorrect accts/ items showing up on my credit report I've reached out to all 3 credit bureaus over that past year trying to get this issue resolved.I even placed fraud alerts on my accounts and I've also sent in my police report to XXXX. I have stated and put in writing that the following items on my credit report do not belong to me and I was a victim of identity theft. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX, XXXX and Equifax. XXXX XXXX ( XXXX and XXXX. XXXX XXXX ( XXXX and Equifax. XXXX XXXX XXXX ( Equifax ) XXXX ( XXXX AND XXXX ) XXXX XXXX XXXX XXXX  ( XXXX and XXXX. I've tried to resolve this issue over and over and nothing is being done. I'd like these items removed from my account immediately.
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 Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA 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 XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX account numbers have violated my rights : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15. U.S.C 1681 section 2, also states a consumer reporting agency can not furnish an account without written instructions.
Complaint sub-issue: Other problem getting your report or credit score

Around XX/XX/2020 I started a process to refinance my home. I attempted to unfreeze the credit reports for my wife and me. The Equifax website was not functioning and referred me to a phone number. The automated system had me respond to questions that would identify me. At that point the system said they would text me an access code. On three different attempts the text did not arrive for 3 days. Of course, by that time the codes were invalid. 
Finally I reached a live person who told me to fax my request with copies of Driver 's License, Passport and Social Security Card. After a week of no response, I again faxed my request and documents as well as sent them via USPS. After several weeks I finally received notice via USPS that the accounts were unfrozen.

As a result the original mortgage rate offer was withdrawn and closing delayed for over a month. I'm now awaiting a new rate quote hoping that it will be as favorable as the original.
Complaint sub-issue: Account status incorrect

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has been non-compliant with removing the unverified account BESTBUY/CBNA Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BESTBUY/CBNA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.