Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

On XX/XX/2020 i was called by my auto loan company, and was told i need to pay a pst payment and past late fees that have generated i told them i was able to pay both of as of right now but need to make sure that the late fees were applied correctly Over recorded call i was told that would be guaranteed and she would even follow up with me Today is XXXX PST and just got off the phone with an employee and manager and was told they just paid my next car note, i told them i was unsatisfied and next car note not even due yet and it's putting me in a bad situation because not late fees are still there and receiving phone calls They told that's the way it is done and nothing they could do The auto deal is XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I previously submitted a CFPB complaint about an inquiry I didn't recognize to Equifax : XX/XX/2022, XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Equifax stated in their response : " XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' That is not true. The inquiry is listed on my Equifax file. That is how I discovered it.
Complaint sub-issue: Account status incorrect

XXXX, XXXX and Equifax has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.
Complaint sub-issue: Account information incorrect

When my XXXX auto lease was about to end, new dealership from XXXX offered to take over my lease and pay me the difference. After the lease was transferred to the XXXX dealer, not sure exactly what happened, but the credit report says that I did not make the monthly payment in a timely manner. So it hurt my credit score as the record says I missed XXXX months of payment. Please see attached for the record of the release of liability.
Complaint sub-issue: Problem with customer service

I requested a discharge due to my XXXX. I was informed of what papers i needed to send them from the SSA to receive a determination. I received the papers and emailed them in XX/XX/XXXX. I also mailed them. I received a email saying they received them. In XX/XX/XXXX i get a notice that they needed the papers from SSA. I called and the customer service agent was very rude. Saying i had to send in the papers, would not let me explain that i sent them. So i emailed them again. I received a notice that they received them. I also sent copies by mail and sent them by certified mail. I have the receipt signed. Today i get a notice saying my request was denied bcz they never received the papers. What do i do?
Complaint sub-issue: Account status incorrect

Have submitted proof to XXXX  on more than one occasion that LendingClub was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
Complaint sub-issue: Debt was paid

Dear Sir/Madam : I previously filed a complaint against this same company for the exact same debt. 

It was resolved by the company sending communication stating and admitting that the debt was completely resolved and nothing further was owing. 

The complaint previously filed and ruled in my favor is XXXX. 


I am incorporating that entire complaint herein by reference. I am also including by reference all of the documents which were previously submitted and answered by Ally. 

They claimed there was no fraud. However, the following has occurred since the closing of the complaint referenced above : 1 ) Complaint filed ; 2 ) Ruled in my favor and admitted by ALLY it was paid in full ( as I originally stated ) ; 3 ) Yet - after they admit I owe nothing, they have CONTINUED with debt collection and added further illegal interest to a debt that is not owed.

Thus, it certainly seems like fraud where they answer your governmental division that I owe nothing and then continue to proceed to add more debt and further collect on a debt that I do not owe. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND  ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA   XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX   XXXX XXXX, IN XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, CA XXXXXXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME
Complaint sub-issue: Information belongs to someone else

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

XXXX XXXX of XXXX XXXX fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with XXXX. I had declined XXXX XXXX XXXX credit and offer to match the financing through XXXX of XXXX months at 2.64 % and XXXX XXXX   XXXX XXXX at XXXX XXXX submitted them anyway.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing the inaccuracy of the Public Record which is being reported within my credit report. Equifax credit file dated XX/XX/XXXX verified through their third party vendor, XXXX that this item has been reported correctly. I was able to obtain a copy of my XXXX report case number XXXX dated XX/XX/XXXX ; their resolution : after a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. I not understanding, why, this bankrupcty remains in my file after XXXX have REMOVED/DELETED this item. Therefore, this Public RecorXXXX should be DELETED immediately from my credit report.
Complaint sub-issue: Trouble with how payments are being handled

I make my payments every month in full amount, before the due date. However, the principle balance is going up instead of gowing down and my payments are not applied correctly. I pay XXXX per month, my interest occrued minthly is about 77.00 but they apply more towards interest and less towards principle. This is illegal. Every time i call nobody can provide exact math explanation on how they calculate how much to apply to pc and interest. This is 5th year i am trying to find out what is going on. They simply stealing my money every month.
Complaint sub-issue: Information belongs to someone else

These accounts do no belong to me. Please block and remove according to 15 USC 1681c-2.
Complaint sub-issue: Account information incorrect

I have been actively disputing an account with XXXX XXXX XXXX XXXX  for years. I recently began cleaning up my credit and notice, XXXX was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, Equifax and XXXX XXXX verified the inaccurate data using E-Oscar and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. 
Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show XXXX was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, XXXX XXXX updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and Equifax are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, XXXX, instead chooses to harm my credit file with XXXX, Equifax, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact XXXX about your credit file, they say the account was sold to XXXXXXXX XXXX  XXXX, yet XXXX is reporting. Please remove from my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

no activity on this account since XX/XX/2019. Reporting only on my Equifax. Called creditor @ XXXX. The creditor shows 2 active accounts for me, but none of which are with crescent any more. The account is outsourced to XXXX XXXX contact number, no good.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$8200.00}, XXXX XXXX Balance : {$5600.00} "
Complaint sub-issue: Account information incorrect

On XXXX of 2022 I paid my account like always car payment of XXXX and had a balance of XXXX that wasn't record as of today I paid my car payment as of today current and the credit bureau still have I owe XXXX in the customer portal I owe XXXX I contact the credit bureaus I contacted the XXXX XXXX XXXX who holds the title and they're keep saying their recording I have all my credit reports it's not record. I need some assistance.
Complaint sub-issue: Information is not mine

I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX XXXX/XXXX/2015 I would like to see a signed agreement to confirm my signature as I do not remember authorizing this inquiry. Tax Lien XXXX Verify and corroborate the information filed in the status, date filed and plaintiff. It seems incorrect and it could be harming my credit worthiness, please correct this or else have it removed from my report XXXX XXXX XXXX XXXX/XXXX/2015 This inquiry must be an error as I do not recall applying to this company. UNKNOWN XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. 
I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff.
Complaint sub-issue: Didn't receive enough information to verify debt

I'VE CONTACTED ALL 3 BUREAUS AND XXXX XXXX XXXX AND ENHANCED RECOVERY/XXXX TO VERIFY THIS DEBT ATTACHED TO MY CREDIT REPORTS AN NO SIGNATURE NOR CONTRACT WAS PROVIDED TO ME. THESE 2 DEBTS HAVE BEEN REMOVED SEVERAL TIMES FROM MY REPORTS ONLY TO BE PLACED BACK ON MY REPORTS WITHOUT NOTIFYING ME.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card company isn't resolving a dispute about a purchase on your statement

I have a  Costco Anywhere Visa Card by Citi Visa a nd have been pursuing a resolution to a disputed transaction for over 4 months.     On  XXXX   XXXX ,  XXXX  we made a reservation at  XXXX   XXXX  for {$620.00}. Later that day we realized we did not need the reservation and cancelled. The resort issued a credit for that amount the same day.     On  XXXX   XXXX ,  XXXX  ( the day we had originally planned to stay  )   XXXX   XXXX  charged us {$620.00}.     On  XXXX   XXXX ,  XXXX  we disputed the charge with Citi and they issued a conditional credit for {$620.00}.     On  XXXX   XXXX ,  XXXX , Citi reversed the credit.     My wife and I have made over half a dozen communications to Citi regarding this issue and are no closer to a resolution. I have a dispute number of  XXXX . Per their request I have asked in writing ( via email to  XXXX  XXXX  XXXX  on  XXXX  ) to reopen the dispute.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following accounts deleted as soon as possible : XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX  XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$260.00}
Complaint sub-issue: Didn't receive services that were advertised

According to Equifax my personal information may have been obtained by hackers that hacked Equifax 's servers and made off with millions of people 's personal information. I received confirmation that my information may be compromised by Equifax 's security site that offers a years worth of free security for people that may have been affected. Although on the surface this seems like a nice gesture, Equifax is actually taking advantage of this data breach in order to wash their hands of legal responsibility by getting victims of this hack to sign up for their " security service '' which binds the victim 's hands in a legal sense. Not only that, the heads of Equifax knew about this hack and took advantage by selling off their stock to protect themselves rather than face the consequences of this hack. Equifax is proving that they do not care about the countless people affected who did not request that their personal information be held by Equifax and have created a situation where their backs were saved while everyone affected has been left out in the cold.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by Equifax .I requested for an investigation because the account XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Complaint sub-issue: Debt was paid

XX/XX/2018 I paid {$200.00} to XXXX as a settlement payment and they still will not remove the item from my credit report. XXXX XXXX XXXX. Handled the debit for them.
Complaint sub-issue: Debt was paid

In XX/XX/XXXX I was made aware of a collection notice for a company called IC Solutions. This company stated that I owed a bill of {$210.00} to XXXX from XXXX and XX/XX/XXXX. I called XXXX ( XX/XX/XXXX ), and I was transferred to young man named XXXX who found my account, could see where I turned in my equipment on XX/XX/XXXX ( I have this receipt ) at the local branch. He stated that he could see my last payment on XX/XX/XXXX for the period ending XX/XX/XXXX, and stated that I should have been billed a pro-rated amount from XXXX. XXXX also stated that he did not have the authority to credit that amount and that he would escalate to his supervisor that would call me back before XX/XX/XXXX. After receiving no phone call, I called back on XX/XX/XXXX and was escalated to the complaint department, they then told me that they could not credit me and that IC Solutions had to do so. They also stated that IC Solutions had all of the account information. On XX/XX/XXXX I called IC Solutions who then told me that they had to get the information from XXXX and that they would open an investigation. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX. That complaint was answered with a mailing from IC Solutions with statements from XX/XX/XXXX, and XX/XX/XXXX. The two months following my equipment turn-in, and cancellation of service. I did not have a contract, and was billed for services not rendered. This is fraudulent billing, and it is being reported to the credit agencies, which is a violation of the FCRA. I have documentation showing that I turned in my equipment and cancelled my service XX/XX/XXXX and was billed the following two months. If you look at XXXX  there are countless complaints of IC Solutions reporting inaccurate information to the credit reporting agencies. I have attached documents that include my receipt for picking up and returning my equipment, payment on my last bill and emails from XXXX for coming into the branch and returning my equipment, and an email from a phone call made after I paid my payment thru XX/XX/XXXX. on this call I was told that I would receive a pro-rated bill for XXXX. This bill also shows that I was billed for XXXX and part of XXXX.
Complaint sub-issue: Information belongs to someone else

In accordance to the Fair Credit Report Act XXXX  XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 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: Account information incorrect

Problem with Equifax deleting a collection from XXXX XXXX XXXX. Wrote several dispute letters to remove XXXX XXXX XXXX XXXX dollar XXXX XXXX collection from XX/XX/2013 Wallet and checkbook was stolen a month before in XXXX. Police report was filed. XXXX XXXX  closed account before XX/XX/2013. XXXX  and XXXX  correctly based on theft fraud check
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit report act .the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX conn appliance XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.