Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

I have requested from all three credit reporting agencies to provide the original contract of indebtedness as verification of the debt because I believe that the loan balance is incorrect. They keep saying it's been " verified '' with no copy of anything sent to me. This is very frustrating.
Complaint sub-issue: Confusing or misleading advertising about the credit card

last year i was convinced to switch my DISCOVER CARD to a discover " it '' card ( by a discover card representative ) because of all the benefits i would get, but when it came time to receive the biggest benefit, they would not give it to me, because it was a switch, and not a new application. the benefit with the " it '' card is supposed to be double your cashback bonus upon your anniversary date. they even have commercials about this feature, to entice you to get an " it '' card. i was not told i would have to cancel my then current discover card, and reapply for a new card at the time. i was told it would just be easier to switch to the new card, but i was assured that i would receive all the benefits. i consider this deceptive and false advertising on their part, and would like my cashback doubled as promised.
Complaint sub-issue: Reporting company used your report improperly

Equifax I got a update on payment status change on a sync bank account that account was in violation of the Fcra for reporting late payments on a charge off I got an alert just now that it was changed did you guy 's do a complete investigation on this account or did your office change it? just curious
Complaint sub-issue: Problem with personal statement of dispute

I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the   XXXX   during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that my credit score has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.
Complaint sub-issue: Didn't receive notice of right to dispute

L J ROSS ASSOC is reporting on my credit. they have violated the fair debt collection practices act by not providing me with information to identify whether the debt is in fact mine or the opportunity to dispute it.
Complaint sub-issue: Their investigation did not fix an error on your report

I found out my identity was stolen and credit cards open on my behalf. 
I made a identity theft report and forwarded to all 3 credit bureus as well as the furnisher of the account. 
I asked XXXX, XXXX  and equifax to block the account due to identity theft. 
XXXX  blocked the account, however a week later reported the account back. 
Once again -this IS FRAUDLENT ACCOUNT AND ALL 3 CREDIT BUREUS HAVE SUPPORTING INFORMATION, SENT BY ME! 
PLEASE REMOVE AND BLOCK FROM MY CREDIT REPORT! 
THE ACCOUNTS IS QUESTION IS XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had an auto loan with XXXX XXXX XXXX XXXX that was closed and written off with a balance of {$3300.00} as of XX/XX/XXXX. XX/XX/XXXX I tried to get this old loan take off of my credit report. XXXX XXXX XXXX XXXX then increased my balance on a closed written off auto loan to {$4200.00} as of XX/XX/XXXX. This is fraud. You can't increase the balance on a closed account. I disputed this information with Equifax and nothing was changed on my credit report. Please fix this is fraud.
Complaint sub-issue: Deposits and withdrawals

The bank will not allow me to withdraw any money in my account. They say it is there policy to not allow any withdrawals for sixty days from the day an account is opened. However, this restriction is nowhere to be found in the account 's terms and conditions ( legal agreement ). The bank is therefore violating Regulation CC.
Complaint sub-issue: Reporting company used your report improperly

I was affected by Equifax fraudulent practices, they assumed a vital role in evaluating my credit report and they didn't have my consent or my permission to do so per 15 USC 1681 A. They were unfair, partial and didn't not respect my privacy with grave responsibility that they assumed themselves.
Complaint sub-issue: Other problem getting your report or credit score

I have sent multiple requests to get an update on my credit report from XXXX, XXXX and Equifax and have yet received a response.
Complaint sub-issue: Billing problem

I have made Flagship Credit Acceptance aware many times I had a paycheck garnishment last year and I am in the process of trying to get back on track and pay my bills on time but it takes time. Each month 4 days after my car loans due date I start receive multiple calls a day a minimum of 4 with as many as 7 or 8 a day wanting payment for my car loan. I am not 30 days past due and I have told them I cant make payment arrangements because Im living paycheck to paycheck but I will pay you. These calls start at XXXXXXXX eastern time and they end around XXXX eastern time. They will call from multiple phone numbers throughout the entire day harassing me. The calls only stop once I make a payment arrangement. When you talk to someone they dont find ways to help you they just demand a date for payment and secure a payment method.
Complaint sub-issue: Account information incorrect

My identity and information has been compromised and used without my authorization and consent. It has been over 30 days and I have not received accurate updated investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried contacting them regarding these accounts that were open fraudently without my permission. I have called and sent letters, disputes and complaints. I have attached documents and they also list the accounts that are in question. I will not list them here because their on the documents.
Complaint sub-issue: Banking errors

TIAA Bank has refused to completely reimburse me for an error they made. In XX/XX/XXXX I called the bank to ask a question. My question was does TIAA Bank allow borrowing for a mortgage against a CD held in the bank. After a talk with the agent on the phone I concluded that TIAA does not do this. Later after I found a charge for early withdrawal from a CD on my XXXX tax statement, I called and was told that {$10000.00} had been taken from my CD at TIAA Bank which was paying 2.08 % interest in XX/XX/XXXX. TIAA Bank looked into the situation and told me on the phone that using their records they could not determine who authorized removing the {$10000.00}. I knew it was not me. They did reimburse the tax penalty. I asked for reimbursement of all lost interest after the bank could not put the money back into the CD. TIAA declined to reimburse any lost interest. I then complained to Consumer Financial Protection Bureau. At that point the bank reimbursed me for lost interest from XX/XX/XXXX until XX/XX/XXXX. ( The CD did not mature until XX/XX/XXXX. ) At that time ( XX/XX/XXXX ) TIAA wrote that I asked about early withdrawal from a CD on my XX/XX/XXXX phone call. I do not remember this at all. My question was can I borrow for a mortgage against a CD. TIAA told me on the phone on XX/XX/XXXX that their agent whom I spoke with about borrowing against a CD had no training on what I was asking. Because she knew nothing about this means of borrowing, her interpretation of the conversation was that I wanted to withdraw money from a CD. The agent did not tell me that she was doing this, but during the conversation she did the withdrawal of {$10000.00} from a CD as a test case. I was blindsided by this. My call was just to ask a question about bank policy. In addition, TIAA stated that at the end of the call she should have put the test withdrawal of the funds back into my account. She did not. I never suspected that the withdrawal of funds happened because my reason for the call had nothing to do with an early withdrawal. I understood why the bank was not willing to reimburse lost interest from XX/XX/XXXX through the CD 's maturity on XX/XX/XXXX while the CD was still in effect. I called and asked for reimbursement of the the remaining lost interest on XX/XX/XXXX. TIAA called back on XX/XX/XXXX to say that they denied my request. I want the interest from XX/XX/XXXX until the CD matured on XX/XX/XXXX to be returned. It is only fair that TIAA should reimburse all lost interest on a mistake which was entirely their fault and done without my knowledge.
Complaint sub-issue: Information belongs to someone else

Equifax is showing a credit card that I was not an authorized user on and is not my debt. The other credit bureaus have already moved it from their reports.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I surrendered an automobile financed by first infesters they auctioned off car and said I still owe XXXX they then garnished my wages for wrong amount that was paid off and I didn't hear anything from them until six years later when Autovest says they bought a XXXX debt I didn't know I had and place this one my credit as a new delinquent account that I made a recent payment for XXXX on I've never talked to anyone from this company and never opened an account or paid them anything but the damage to my credit from this so called new account as cost me my first home it's showing now as three different XXXX debts with different open dates also XXXX XXXX shows open account that's delinquent also missed payments all show the impact to credit score doesn't fade first financial also shows open delinquent account under 12 first financial name this is also a fake name / company just to keep the six year old debt fresh best part is after the garnishment not one of these companies have reached out to me not once in six years of higher interest rates and denied applications inflated auto insurance all because three companies show different information a spread it out so damage continues.
Complaint sub-issue: Deposits and withdrawals

the bank is stealing funds and illegally charging my account. They claimed i withdrew XXXX dollars when you can only withdraw XXXX dollars a day. Then they charge me a fee to get my receipt from the atm at the bank. They told me my account was overdrawn which is why I put XXXX dollars in the bank.. In the past they gave collection companies access to my account without a court order.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has lead to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media while Equifax has access to all means of communication with me.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Hello, My name is XXXX XXXX and I am a victim of identity theft. My Identity was originally stolen in the year XXXX. I was sent a certified letter today XX/XX/XXXX, for garnishment of wages. The original account company apparently is Citibank/Home depot. I have never had an account with this company in question. I am also XXXX and I have been receiving benefits since XXXX. This is a fraudulent account and was opened without my knowledge nor consent.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Threatened to sue on too old debt

BLEIER & COX, APC ATTORNEY re-started the case on XXXX/XXXX/XXXX. They need to drop legal action due to California statute of limitation. It 's been over four years since the original file date ; XXXX ; ORIGINAL FILED DATE was XXXX/XXXX/XXXX. i do n't have any info on my last payment prior to XXXX/XXXX/XXXX with XXXX XXXX. XXXX XXXX said they will garnish my wages if I do n't pay the debt. I sent XXXX XXXX a letter via fedex received on XXXX/XXXX/XXXX. I wrote them informing the expired statute of limitation on the debt. On XXXX XXXX they filed the following after receiving my letter : XXXX/XXXX/XXXX - MEMORANDUM OF COSTS AFTER JUDGMENT ; ACKNOWLEDGMENT OF CREDIT AND DECLARATION OF ACCRUED INTEREST - LESS THAN {$100.00} FILED BY XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX/XXXX/XXXX - WRIT FILED BY XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX/XXXX/XXXX - PAYMENT RECEIVED BY XXXX FOR XXXX - WRIT IN THE AMOUNT OF XXXX, TRANSACTION NUMBER XXXX AND RECEIPT NUMBER XXXX.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

In XX/XX/XXXX i leased a 2016 XXXX XXXX for 3 years, and during these years and all my bills were paid on time, and have received multiple calls from Audi financial in regards to assistance with my then account. I return the vehicle in great condition and 10 thousand miles under the yearly usage limit and Upon the return was not made aware from any Audi service member I would be receiving a additional bill or any other notices, and I did not any receive any letters or calls. Six months later i receive a call from a collections agency stating that a bill of over {$500.00} dollars from Audi claiming damages to the vehicle. Before returning the vehicle I recently moved to another residence, so any notices via mail that Audi sent were not received but Audi made no further effort to contact me although they have my direct phone number and have had no trouble contacting me previously. I believe best practices and efforts to settle whatever account issues were not exercised and now my credit has been severely damaged because of this negligence.
Complaint sub-issue: Account terms

XXXX account # XXXX I paid for 1 month of service when they came to do the install. I received poor service and cancelled it within that first month. I had no contract for extended services and we returned the equipment in good working order. They have attempted to bill me for an additional month for which no services were provided. This needs to be removed from my report immediately.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
Complaint sub-issue: Problem with personal statement of dispute

XX/XX/22 -- Disputed a Public Record item appearing within my file with LexisNexis as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher 's or source of the information and in this case the original furnishers is/are : the US Bankruptcy Court Middle District of Alabama . The original furnisher ( s ), the US Bankruptcy Court Middle District of Alabama, do not report to any credit reporting agencies to include XXXX, XXXX, XXXX, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information such as LexisNexis. *** This rule applies to All US Courts therefore any statements alluding to LexisNexis stating the information being reported within my file with their company as verified and accurate is an error or a lie. Either way third-party reseller and furnisher LexisNexis reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. ** Will also file a second complaint with LexisNexis should they not delete any and All other Court-related Public Record entries pending arrival of another Court Letter.
Complaint sub-issue: Debt is not yours

Since, I believe, XXXX 2015, XXXX XXXX has been reporting a collection account on behalf of XXXX for {$1000.00}. When I switched carriers I was careful to make sure no balance was due. I never received a bill from XXXX, nor any collection notices from XXXX XXXX prior to seeing it on my credit reports, I am unaware of what this debt is for. I have attempted to dispute the collection as inaccurate through both the various bureaus AND E.R.C. directly. Each time they have verified the account as accurate. As of yet, I have not received any documents to validate or explain the debt, despite asking for them repeatedly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX Credit Card, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Equifax is reporting unverified student loan accounts and medical bills of over {$80000.00} on my credit report. I initially contacted Equifax, in writing ( see Attachments ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally not conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 
Equifax responded to my request for a signature bearing document with a letter ( See attachments ) stating the debt was verified and it belonged to me and sent me a copy of my credit report. None of the information provided by bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 3 ) to request a signature bearing document as proof of this debt but never received a response. 
Information reported by the 3 major Credit Bureaus vary greatly and makes it very difficult to trust the validity and accuracy of the information provided by Equifax, XXXX, and XXXX. Case in point both XXXX, and XXXX  have investigated the medical bills on my account, deemed the information unverified and invalid, and removed this accounts from my credit report. Yet Equifax continues to display this unverified debt on my credit report in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
In regards to the student loan debt being reported, the Dept. of Ed/XXXX is the company that is reporting on my credit report yet the accounts have been sold to a debt collector XXXX XXXX XXXX. However, the information on my credit report shows that I have XXXX Late payments and the accounts are in good standing. How is this even possible with the accounts in collections? 
This serves as proof the information being reported on my credit report is not accurate nor is being properly verified. The practices of the aforementioned companies are highly predatory and violate both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ).
Complaint sub-issue: Reporting company used your report improperly

My account information was compromised by the Equifax hack that occurred in XXXX XXXX, and was announced in the beginning of XXXX XXXX.