Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I am trying to secure a loan for a house for XXXX. I have already been approved for {$63000.00} for a mobile home. Why is it so difficult to get a loan with a bank for almost half the amount? ( Issue # 1 ) I was told that I had an outstanding amount owing of around {$3000.00}. I was contacted by the consumer to settle the amount for {$490.00}. The consumer tole me that the amount would post to my account and consider it paid in full. ( Issue # 2 ) If they can take your money, why cant they press a few buttons and show that account paid in full right away? Why do we allow them 30 days to report it paid in full? ( Issue # 3 ) I paid that amount. I gave that company my corrected address. Why then did they send the letter to my old address and finally I got the letter with the yellow forwarding address? ( Issue # 3 ) Why is it that there is so much room for error between the 3 credit bureaus? ( Issue # 4 ) Why does each lending organization/bank have so much latitude to make adjustments to my credit score reported by the credit bureau and then make their independent discriminatory decision about lending me money? ( Issue # 4 ). 
I need my credit score from all three agencies to reflect the payment I just made on XX/XX/2020. I need to know what my credit score is right away. I tried to go to XXXX to request my score for XXXX as I was told to do by a XXXX   representative today XX/XX/2020 and there was no such prompt to go to to get a " CREDIT SCORE " for XXXX cents or other wise. Why is this so difficult. Why is my credit score not FREE? 
I spoke to an Equifax employee on XX/XX/2020 and asked her to correct my name and addresses and she instead added a NEW incorrect name to my report. This is negligence and needs to be addressed. Why do I need to now send in a identity verification to fix this and it will only be fixed with one credit bureau and not all three????? The Credit Bureau processes need to be streamlined so that they are easier/more user friendly and improved so that they help rather than hurt and confuse the end users. Please respond to my email address XXXX asap. I need to know what my credit score is right away. I was willing to pay the XXXX cents but could not even get access to that website. Does it even exist? Is it just something that the credit bureaus are told to tell us to get us off the phone?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Company put these inquiries on my credit without my consent. I have no business with these companies at all. XXXX XXXX, XXXXXXXX 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: Information is not mine

Equifax continues to report an account ( XXXX Account # XXXX ) on my credit report that I have requested several times to have deleted since it does not belong to me. I had also attached to my investigations with Equifax as proof an original letter from XXXXBANK which whom is the original furnish-er of this account that they would delete this account since it does not belong to me. Equifax with proof from the original creditor keeps saying this belongs to me? 

-Attached is original letter from XXXXBANK-Attached is XXXX separate dispute results from EQUIFAX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, 2015 I my car was hit by and insured of XXXX XXXX XXXX XXXX XXXX XXXX The insurance company took liability of their client being at fault. XXXX XXXX is reporting me at fault causing my insurance rate to increase. I spoke XXXX at XXXX and a certified letter is being sent to me to prove that XXXX XXXX is reporting false and incorrect information. I have a copy of the police report showing I was the victim. Esurance claim # : XXXX Adjustor was XXXX XXXX no longer there but XXXX replaced that adjustor her # : PH : XXXX. I only learned of this XXXX XXXX today the reference # : XXXX when getting an insurance quote
Complaint sub-issue: Can't close your account

First they canceled my card for NO REASON. Then they reinstated my card after I told them I wanted them to CLOSE my card and I transferred the balance to another bank. I received a letter in the mail telling me they received my request to CLOSE my account. On XX/XX/XXXX I called to find out why my card was not closed. I was told it takes a billing cycle. Today is XX/XX/XXXX and I had to call again because my account is not CLOSED. EVERY SINGLE time I have to sit on hold 1/2 hour to get to someone who tells me they can't do anything. This time he said it should be closed. But he can't tell me why it isn't, or what will be done to close it or WHEN? I want my credit card CLOSED. This is ILLEGAL TO REFUSE TO CLOSE MY CARD. I HAVE A ZERO BALANCE. I DON'T WANT TO DO BUSINESS WITH THIS XXXX  COMPANY.
Complaint sub-issue: Non-sufficient funds and associated fees

XX/XX/2021 My debit card was used to make a payment on an unknown Klarna account XXXX for {$74.00}
Complaint sub-issue: Problem getting your free annual credit report

Hello, am an XXXX XXXX living in XXXX. am suspicious of D theft and requested my annual report online but could not get one. The answering machine wants to send me one by postal to my USA address. cant get it since i am not there. 

Please send me one as an email report on my computer. How can get one? 

Thanks,
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Bank, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with Equifax and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against XXXX Bank, XXXX XXXX XXXX. I previously disputed this erroneous and inaccurate information with XXXX and XXXX Bank, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. Equifax failed to provide documentation concerning the accuracy being disputed. Equifax is in direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
Complaint sub-issue: Information belongs to someone else

To whom it may concern XX/XX/2020 I got hit with a hard inquiry from XXXX  XXXX. I did not apply for any card with them. This was never authorized by me. I didn't sign anything or sign up for anything. Just looking for this to be removed since it is inaccurate or fraud by someone trying to be me. I came here right away as soon as I was aware of situation. Thank you
Complaint sub-issue: Debt is not yours

this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report it has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

This company and XXXX refuse to remove the incorrect information reporting on my credit report. I have contacted both XXXX and the company XXXX and most recent was XX/XX/XXXX. The company is violating several laws. The company has refused to send any documentation bearing my signature to this date. They continuously reage the debt. The account was showing opened in XX/XX/XXXX, but the balance was updated XX/XX/XXXX. The account is listed as paid, was chargeoff. How can the account be listed as both. This is inaccurate. The account is showing past due 120 days in XX/XX/XXXX, but happened to 30, 60, 90 days past due. The original balance was showing {$6700.00} buth there is no past due amount but yet the Creditor updateed the status on XX/XX/XXXX to paid, was charge off. Under South Carolina law ( S.C. Code 15-3-530 ), the statute of limitations for most types of consumer and business debt is three ( 3 ) years. As an article from the U.S. Federal Trade Commission ( FTC ) explains, the statute of limitations typically begins ticking once a debtor fails to make payments on the debt.

I will sue both companies based on these laws ; 15 U.S. Code 1681a - Definitions ; rules of construction. ( k ) Adverse Action.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX Balance {$10000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX submitting yet another CFPB Complaint to follow up the previous CFPB complaint I submitted to request the correction and removal of the erroneous accounts reporting on my Credit file. I discovered that the information being reported on my credit report are incorrect when I reviewed my Credit File. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected ore deleted as soon as possible : XXXXXXXX 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 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 XXXXXXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I signed up for a five day free trial ( online ) for XXXX XXXX XXXX on XX/XX/21. Immediately, upon realizing that I would not be happy with this service, I cancelled the service the same day. My next credit card statement, from Citi Bank showed a full month 's charge for the cancelled service. I immediately disputed this charge with the credit card company. Initially, they issued a credit to my account in the disputed amount. Since then that amount was reversed and two more charges were made to my card, from the same company, which I, again, disputed. I have received three letters from the credit card company with attachments from XXXX XXXX of their " terms and policies '' stating that they will not honor my original cancellation. I have no confirmation of cancellation of this service, just as XXXX has no confirmation that I ever used their service. I consider this a blatant scam on the part of XXXX XXXX XXXX and must assume that Citi bank simply finds it easier to err on the side of the HUGE Company. 
I will appreciate any assistance offered to me regarding this matter.
Complaint sub-issue: Information belongs to someone else

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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: Investigation took more than 30 days

I filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # 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: Account information incorrect

To whom this may concern, XX/XX/XXXX I am originally from the state of XXXX  and in XXXX I took a job in the state of XXXX. When I arrived in XXXX  I became a XXXX XXXX  phone customer. I was in the XXXX XXXX in XXXX  I wanted to update my cell phone, the salesman at the kiosk showed me a nice phone and told me he could get me a good deal on service. The service would be with XXXX and he would give me a deal on the phone he was showing me. There was an issue porting my number from XXXX XXXX, I started the paperwork to switch to XXXX and picked out the phone. I told the salesmen I needed to go to the food court and get something to eat while he worked on porting my number. I went to the food court and I decided at the last minute not to get the phone or the service. I never went back to the kiosk and I never finished the paperwork.

I found out later that the salesman finished the transaction and stole two XXXX. He also opened lines of service with XXXX in my name. I went to the XXXX XXXX that was in the XXXX mall and talked with the manager ( XXXX XXXX ). I also spoke with the District manager XXXX XXXX and they told me that the salesman at the Kiosk was not a direct employee of XXXX that he was a contract employee and they had no proof that he stole the phones. They said if he sells the phones on the internet they would not be able to find them. They told me if he uses the cell phone lines he opened they could easily track the phones. I went to the XXXX XXXX police and filled out a police report because this person used my information to open cell service with XXXX and he stole two XXXX 
When I moved to XXXX  the only place I could afford to live was in the canyons or in the mountains. There was no cell service or internet service so I did not check my credit report the entire time I was in XXXX. I lived in XXXX  approximately three years. I checked my credit report XX/XX/XXXX and that is when I see that XXXX reports that I owe them over {$2000.00} dollars. I was never a cell phone customer of XXXX and I never bought phones from them. I called XXXX and asked them about all of this, they told me this account was old and was sold to XXXX XXXX XXXX for collection. I asked XXXX if the phone lines that were opened were ever activated. They said the phone lines were opened but never activated. 
I called XXXX XXXX XXXX and spoke with XXXX ID # XXXX and told him what happened and I asked them to open a fraud investigation. He said he would open a case and he needed copies of my documentation. I am enclosing copies of my documentation to aid in this investigation of fraud. 

Equifax is still reporting this fraud even though XXXX  and XXXX  already took this fraud off my credit report. Equifax needs to delete this fraud from my credit report immediately.
Complaint sub-issue: Transaction was not authorized

I received a debit card from key bank for a fraudulent account opened with my ss number The bank knows about the identity fraud. Said it would be closed
Complaint sub-issue: You told them to stop contacting you, but they keep trying

my truck was totaled insurance is supposed to be handling this.. told debt collector on XX/XX/XXXX the vehicle was totaled ... ... ... I was told to XXXX out and they would contact my insurance ... .I have repeatedly told them they need to deal with my insurance ... ..they will not respond or take this information ... ... .My insurance has contacted them ... or supposed to ... .I need something done to stop this harassment ... Ally is the debt collector on debt # XXXX
Complaint sub-issue: Don't agree with fees charged

Hello! I am a " graduate '' of XXXX ( XXXX location ). I graduated in XX/XX/2010. The school was XXXX of the worst experiences of my life. It started on my first day, during orientation, found a forged signature on a document that I 'd never seen. I had my life threatened multiple times, teaches threatening to not let me graduate due to a little facial hair stubble, among many other things .... its hard to explain how terrible this place was. Lies everywhere about post-school work, pay, and life. The school is now gone, closed, and was a pointless +- {$32000.00}. I graduated with a little piece of paper and a huge debt. XXXX colleges has gone away, and so has any credibility of me going to XXXX. I 've paid all but about {$5000.00} of my school loans. There have been multiple reports on loan forgiveness and loan reimbursement. The non-federal loans are paid off due to the 18+ % interest. The {$5000.00} left is for the federal loans. I 've never missed a payment, and have tried VERY hard to make ends meet with this debt. The private loan company is Genesis Lending and they told me to contact you. Their loan amount was around {$13000.00}. I need some help here, XXXX Colleges fraud has null and voided any meaning of me going to XXXX. The school/my " training '' is just a big joke to employers now. Thanks for reading this.
Complaint sub-issue: Information belongs to someone else

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them right away : XXXXXXXX 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: Debt was paid

This is at least the third time that a collection company has tried to collect money saying I am in collections from a XXXX XXXX XXXX XXXX XXXX unpaid bill. I have not had XXXX XXXX in over XXXX yrs and disconnected it when I sold my home. I returned equipment per request, this was also during COVID 19 in XX/XX/XXXX. 

They have placed negative on my credit report that states overdue payment starting in XX/XX/XXXX. 
Enhanced Recovery XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.