Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have found several address and numbers that do not belong to me on my credit file. I am looking to start my own company soon and I need my personal information to reflect the correct and accurate data. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please delete the following cellphone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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: Account information incorrect

There is a mortgage account being reported on my credit report by Equifax, XXXX, and XXXX that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I sent written correspondence via Certified U.S. mail to Carmax Auto Finance requesting that they delete inquiries on my credit reports dated XX/XX/XXXX considering that I did not authorize anyone employed at Carmax Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to XXXX XXXX XXXX XXXX bearing my signature.
Complaint sub-issue: Debt was paid

XX/XX/2015 I changed cell phone carries, XXXX XXXX to XXXX XXXX. While in the XXXX store located XXXX XXXX XXXX, XXXX, MO XXXX. It was required for me to pay the FINAL BILL with XXXX XXXX if I wanted to open my new service with XXXX XXXX. This transaction was completed at the store. It was confirmed with me and my husband during the transaction all was well. XXXX received confirmation from XXXX and my new account with XXXX was opened and completed. A year later I started receiving threating mail and calls for me to pay {$1100.00} to XXXX XXXX. After several long wait times and transfers to various customer agents and their managers nothing was resolved. I proved to them the final bill was paid at the store because I could see the deduction from my checking account. 

My goal is to have funds refunded to me for the stress and embarassment to me for this ongoing issue and the hits to my credit report. This is making my score remain under XXXX and it causing me not to be able to move forward financially. Please assist with the refund and/or total restoration of my credit report having this account removed from my credit report.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I was notified by my mortgage company, XXXX, where they offer credit monitoring, that " ACIMA CREDIT FKA SIMPL '' ( I believe a rent-to-own furniture leasing company. I have never rented furniture from any company ) had reported " a past-due balance of {$4400.00}. '' I have never done any business with this company. I called them and was advised that they could find no information under my name or information. I asked them to send me a letter confirming that, but they sent me nothing. On XX/XX/XXXX, I was again notified by XXXX  credit monitoring, this time that " ACIMA CREDIT FKA SIMPL '' was reporting a delinquency of {$4500.00}, and this time they also reported it to XXXX, where my XXXX score immediately dropped by about XXXX points. 

I filed a dispute with XXXX, and sent an email to Acima disputing this debt. XXXX took it up with Acima, who said the debt was valid ( but has refused to send me any information about the purported lease or any contract that they believe I signed with them. They indicated that they found the lease that they have flagged as fraud, but refused to send me anything further. They requested I file a police report locally, which I did, and they then said there was insufficient information on the police report and I should next report the fraud here. 

XXXX noted on my credit report that I state I have no knowledge of Acima, but they refuse to drop the delinquency because Acima calls it valid.
Complaint sub-issue: Information belongs to someone else

XX/XX/2018 someone opened a fraudulent XXXX credit card in my name with a {XXXX} limit. They spent {XXXX}. They also used a fake address and misspelled my first name ( both of which I was able to remove from my credit report ). 

I filed an Identify Theft Report in XX/XX/2018, and have been trying to get this account removed from my name for XXXX  years. XXXX is still showing it on my credit report because XXXX still says that it was my card... even though it was not. I have disputed at least XXXX times, and nothing has been resolved. Most recently the account was " charged off '' but still shows as a closed account, with late payments and an outstanding balance. 

This is incredibly frustrating, and totally unacceptable.
Complaint sub-issue: Account information incorrect

1. ) XXXX XXXX bank Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$120.00} XXXX Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$450.00} XXXX Current Last Updated : XX/XX/XXXX 4. ) {$12000.00} IQ DATA INT Current Last Updated : XX/XX/XXXX 2022
Complaint sub-issue: Problem with fees

I had a credit balance on my Macy 's credit account. This credit balance is shown on my XXXX statement. The following month on my XXXX statement, it shows that Macy 's charged off my credit balance. The is a message on my XXXX statement that acknowledges my credit balance and that I have four months to use the credit on my account. 

I contacted Macy 's Customer Service and they informed me that they charged interest on my XXXX balance account, therefore taking my credit balance. This is not legal nor true according to my statements. I can provide my statements if needed to resolve this matter. 

Taking my credit balance in 30 days is wrong and I would like to rectify this matter and refund my money. 

Thanks.
Complaint sub-issue: Problem during payment process

I have been a with BESTBUY/CBNA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Complaint sub-issue: Investigation took too long

I disputed some items on my Credit Report with Equifax and they took more than the XXXX day required to Investigate. They received my dispute on XXXX/XXXX/2015 and did not complete the investigation until XXXX/XXXX/2015, which is beyond XXXX days. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] They have to delete all items that I disputed. I called Equifax and spoke with XXXX and then XXXX who stated they will not delete the items and that they are in accordance to all FCRA rules. I 'm demanding all Items I disputed be deleted from my Credit Report Immediately. Pursuant to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
Complaint sub-issue: Account information incorrect

ERC is reporting a collection on my credit file. I did not know about this collection until I checked my credit file. I did not receive any notice for this debt, and as soon as I seen this on my credit file, I immediately called and paid the debt. I was not given my 30 day " RIGHTS '' to dispute this collection, and it was just added on credit file. This is in clear VIOLATION.
Complaint sub-issue: Public record information inaccurate

Hello to whom it may concern, Under the new law effective XXXX XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time XXXX equifax nor XXXX is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless
Complaint sub-issue: Debt is not mine

I previously had an account for internent service with XXXX but I closed the account in XXXX and paid the balance in full. However, in XXXX I received a bill from XXXX stating that I have an out standing balance I ca n't remember the exactly amount but I think it was about {$38.00} I called them we argued but they told me that I was billed for the month on XXXX even though I had cancelled my account. because I did n't want to have any problem with my credit, I paid the amount in full the requested. but in XXXX I reveived another bill from XXXX again so I called them right away on wednesday XXXX XXXX 2015.After they transferred me XXXX different places, I finally talked to XXXX of their agent called XXXX. she told me the account was set up in XXXX so I asked her how the account was set up under my name with my address and all my information without my concern? but she did n't give me any definite answer, she just said maybe it was an error. however, she to me everything was taken care of and there is nothing to worry about. she give me this confirmation number ( XXXX ) that the account was closed and everything was clear. At the end of XXXX, I received another bill from XXXX but I thought maybe it was sent before I talk to them in XXXX so I ignored it, however early this month, i received another bill from XXXX again and this time I also received a litter from collection again attempting to collect a debit ( here IC system, account # XXXX ) I also called them but she demanded me to pay the balance of {$120.00} which I told I do not own, so I told her I will called XXXX I hanged up and called XXXX right away an agent name XXXX XXXX answered the phone, I explained everything to her she told me it look like it is system error becauses the account showed it was cancelled in XXXX, so I asked her to please transfered me to the manager, so she transferred to another agent name XXXX, I spoke with XXXX for about five minutes before i realized she was not the manager, I asked to transferred to the manager but she said the manager was in the meeting and asked for my contact number to call me back whenever the meeting is over, I gave her my number and asked for the manager number in case they do n't call me so I can call them because they have done it to me before and they never call me back.But she refused to give me the manager or any direct call back number, I to her please give me the manager number so that I can call back whenever he/she finishes the meeting, she said there is no direct number and hanged up on me. 
So please I really need help for someone to question these people why are they doing this, and secondly clear my name and all my information in their system, I do n't trust them any more and I do n't want them to have any of my information in their system. thank you.
Complaint sub-issue: Information belongs to someone else

There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS XXXX XXXX ( ORIG CREDITOR NAME : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX  XXXX XXXX XXXX )
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Is Reporting a Fraudulent account i have reported this account for over XXXX year and XXXX XXXX to side corporate scam, abuse of power, in conspiracy with big XXXX and abusing consumer with the reporting of ILEGAL AND FRAUDULENT INFORMATION XXXX XXXX XXXX # XXXX {$5200.00} Past XXXX XXXX Opened {$5000.00} Credit Limit {$5200.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current XXXX {$40000.00} High Balance {$35000.00} Balance Individual Account Installment Account Type Open Condition XXXX Date Reported {$650.00} Payment These Account are not mine and they are fraudulent i have told the for the past year
Complaint sub-issue: Overcharged for something you did purchase with the card

Citi Cards Amount of {$54.00} Vendor : XXXX Date charged : XX/XX/21 I disputed the charge, which was on autopay, for monthly amount of {$54.00}, for internet service as I had cancelled service beginning on XX/XX/XXXX ( if I recall ). I called the customer care line XXXX  offers, spoke to a very friendly lady, and set up a disconnect request as I was moving out of state. I know the XXXX  does advance billing, meaning they bill you the month before the service you're being charged for. In this case, there was no advance billing needed or required for XXXX, so this charge in XXXX is invalid. I understand a lot of customer contracts can have varied terms, some of which are unconscionable in my view ( a termination or break fee = to monthly rate being one example ). I explained all of this to Citi, I told them I spoke via PHONE to customer service, and they denied this charge-back saying they did not receive a " valid proof of cancellation. '' I'm sorry, did they expect me to record my call with customer service? And send that to them how? And pretty sure it's illegal in CA anyhow to do that. So what valid proof do they want? Ridiculous and I should've been credited just out of being a longstanding customer always paying in full on time every month for years ...
Complaint sub-issue: Information belongs to someone else

EQUIFAX, XXXX AND XXXX HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT. 

THE FOLLOWING INFORMATION IS INCORRECT PLEASE DELETE : XXXX XXXX XXXXNOT MINE  XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2018, I went to the XXXX, NC XXXX XXXX ATM, which charges no fees, to withdraw money. I used it twice, and was told by a gentleman that I needed to request a receipt, or the ATM wouldnt issue money. As always lately I request receipt from any ATM I use due to various issues with banks, and credit unions in the past. My second time using the ATM, I requested {$40.00}, but the machine gave me {$80.00}, so when I got home I checked my account online to find the withdrawal did take out {$80.00}, instead of {$40.00} I requested, but saw two fees totaling {$6.00}, for the ATM use by PNC Bank. Its federally illegal for banks, and credit unions to do this for an outside of network ATM to double charge, and in this case the ATM charges no fees, which means they have agreements with all banks, and credit unions to not charge fees! Please investigate this, along with my other complaints about XXXX XXXX, and PNC Bank back in XX/XX/XXXX-XX/XX/2018, because I only received {$60.00} back from XXXX XXXX for an old canceled account, and no money back from being overcharged for my service in XXXX, and in XX/XX/2018 my cellular phone was turned of, now both devices do not work at all, nor my old XXXX XXXX XXXX XXXX XXXX, in which under prepaid the customer owns the devices that are free, but XXXX XXXX states they have a right to turn of equipment if service isnt kept for six months. Also, PNC has charged me overdraft fees from these XXXX XXXX transactions, before their 5 day grace period starts for me to even be able to put monies in their bank to stop fees, even when I do I still get lied to, and charged, which messes up my banking, and monies on hand! PNC Bank owes customers for the early overdraft fees, and should be brought up on EEOC charges, because it makes the customers credit with Bank terrible, and for possible employment reasons PNC Bank uses this tactic to not hire! XX/XX/2018, I have a interview call from EEOC coming up, and please send this information to them, to be used in cases I previously filed with XXXX, FTC, CFPB, EEOC, OIG, OSC, and DOJ.gov, and include me on any court case proceedings? Thank you! From : Mr. XXXX. XXXX. XXXX XXXX.
Complaint sub-issue: Debt is not yours

I received several letters from TRS Recovery Services on XX/XX/2022. These letters accuse me of owing a debt to XXXX XXXX for a total of {$68.00}. I have never made any purchase from XXXX XXXX. 
TRS Recovery Services state they have entered this debt into the nationwide database. This is not my debt and I can not have this false information used against me and my good credit! 
I called the number on the letter which led me to their website. I went to the website and was redirected to the letter. XXXX XXXX. I submitted a dispute to this Debt by mail but the company has more than XXXX XXXX XXXX XXXX I am concerned that TRS will claim they have not received my dispute and will proceed with the assumption that this debt is valid. I don't know what happened here but this debt is not valid.
Complaint sub-issue: Funds not handled or disbursed as instructed

XX/XX/21 at XXXX pm I went into us bank to make a {$1600.00} cash deposit to my checking account. I gave the teller my California License and my check book. The teller asked where I worked and claimed this was standard with No Activity, then gave me a receipt for the deposit. On XX/XX/21 my account notified me of pending shortage, I checked the account to see that the funds were not there. I checked the receipt and the last four numbers on the receipt do not belong to my account. I have contacted the fraud and CSR regularly, given all agents the receipt information and I sent a email to area vp. It has been almost 30 Days and no one has returned my funds or reached out to attempt to correct this error
Complaint sub-issue: Their investigation did not fix an error on your report

Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.
Complaint sub-issue: Information belongs to someone else

I recently became aware of my credit file has previously been used to acquire credit from several companies that I did not authorized nor apply for. I am taking all suggested actions to protect my name and my credit to clear up these accounts from my credit file and protect myself now and in the future.
Complaint sub-issue: Problem with personal statement of dispute

Your credit decision was based, " in whole or in part '' on a lie.
Complaint sub-issue: Debt is not yours

PNC Bank fraudulently and through racial discrimination gave me a mortgage loan that was higher in interest than what was charged to a similarly situated white male. I was charged excessively for an 80/20 loan. They still continue to harass with calls.
Complaint sub-issue: Problem with fees charged

This is my second issue with XXXX XXXXXXXX XXXX. XXXX is stating my balance is {$760.00} which includes a payment of {$290.00} which I made today and is leaving a balance of {$470.00} which includes the balance of my next payment of {$290.00} due on XX/XX/XXXX but it does not explain the balance of {$170.00} and there is no current statement explaining this charge. I am disputing the billing error in the amount of {$170.00} on my account. The amount is inaccurate because there is no statement indicating how this charge was calculated. My contract states that my car payment is {$290.00} every month due on the XXXX with a 10-day grace period. After the grace period I can be imposed a late charge to 5 % of the unpaid installment amount of {$23.00}, whichever is greater, after 10 days. I had previous late fees of {$23.00} or less that were credited back to my account along with a letter stating they have been removed from the account. I have not had a late payment since. 

I am requesting that the error be corrected & explained, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and an itemized statement of the charges. 

Enclosed are my copies of all my monthly payments ( including the most current payment ), the contract, the most current statement on account which is dated XX/XX/XXXX supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

I dont know if this is in regard to the pending lawsuit against flagship and now they are doing erroneous billing to scare customers. I hope this is not the case because if it is then this company needs to be investigated IMMEDIATELY. 

I did sign up to receive electronic statement and I have received one electronic statement. My last paper statement was back in XXXX of XXXX. I checked my communications tab and my email XXXX is listed on there so I dont understand why I have been receiving electronic statements. 

I will NOT ACCEPT ANY PHONE CALLS FROM FLAGSHIP. You may contact me @ my email address at XXXX Thank you, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complain one month ago with Equifax and I was told that XXXX XXXX will be deleted from my account. As of today it's still showing. Please delete XXXX XXXX reporting from my account as soon as possible. See attached for the prior complained.