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

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// AMERICOLLECT IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, 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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, and a proper investigation was done, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under 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: Their investigation did not fix an error on your report

In XXXX 2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.
Complaint sub-issue: Reporting company used your report improperly

Private information, including SSN was revealed by Equifax to third parties without authorization.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Today XX/XX/19 I attempted to make a purchase at XXXX for {$2.00} and get {$100.00} cash back. My transaction was declined in the store. I checked my balance on their app and it still showed {$210.00}. I went to another register. Attempted to purchase {$5.00} worth of stuff with {$100.00} cash back and was declined I tried again and was declined I went to the ATM and was giving a message about reaching my daily limit. I then get an email saying the previous XXXX declined transactions were completed in my account and my funds were taken although I never competed any purchases. This company doesnt have live customer service. I was trying to buy groceries for myself and my XXXX daughters. Needless to say I was on able to buy the groceries. I also needed to pay for my laptop that is in the pawnshop today by XXXX XXXX that now has not been done that was the reason for me trying to get cash back. After sending several emails trying to get help all I was told is it will take XXXX hours. Now after waiting several hours I still do not have my money nor has the company provided an XXXX as to when the funds will be returned they took my last money and I need it back immediately.
Complaint sub-issue: Attempted to collect wrong amount

This furniture company is refusing to remove this collection although it has been reported closed and charged off.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report. 

1. University XXXX XXXX XXXX- {$630.00} account no : XXXX XXXX. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response
Complaint sub-issue: Debt is not yours

In XX/XX/2022 I received a notification that I had a new collections account from I.C. Systems Inc in the amount of {$98.00}. I have never received any communication from this debt collector prior to the information being placed on my credit report. The debt collector is unable to provide me with the original creditor. I do not have any knowledge of any accounts in the amount of {$98.00}.
Complaint sub-issue: Can't use card to make purchases

Master Card has Virtual Account Numbers so you don't have to use your actual credit card number on the internet. For the last 5 days ( XX/XX/XXXX thru XX/XX/XXXX ), the numbers created are being declined when used. They never put out an alert that the system was not working or shut it down. Everything in the system seems to work, but the cards are declined. Even cards that were generated before the problems. I have talked to technical support twice ( after 15 min. of menus each ) and all they say is " there working on it ''. They refuse to shut down the site or put out a warning. They also refuse to agree to send out an alert when the Numbers are working again. This has led to overdue bills and missed sale prices.
Complaint sub-issue: Report improperly shared by CRC

I have a Citicorp credit card ( issued by Sears ). The Citicorp overseas reps that I made my payment with did not log my payment in on time. Subsequently, after paying on time every month, Citicorp refuses to accept responsibility for the error of their off shore account reps and the language disparity that exists. 

I was told by a VP, XXXX, that I could not get help because he did n't have to. I told him that I wanted the late payment removed. I do not owe any money and refuse to ever do business with them again. I feel that there is systemic racism in correcting their error. XXXX was My account ends in # XXXX
Complaint sub-issue: Account terms

I have had XXXX debt collectors from XXXX reporting on my credit report. XXXX of the debt collectors were removed but was claiming XXXX different amounts : XXXX XX/XX/XXXX XXXX XXXX {$660.00} XXXX XX/XX/XXXX XXXX XXXX {$81.00} Now as you can see there is a major difference on these amounts. Which very wrong. 
The other XXXX are still on my report still with XXXX different amounts : XXXX {$660.00} XXXX {$100.00} XXXX XXXX just came on my credit report as of XX/XX/XXXX with XXXX still reporting it as well. Between all XXXX debt collectors no one has given me the original amount. Nor do I own this debt in general due to me having a XXXX prepaid phone as of this date.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on

my account in the amount of {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Didn't receive notice of right to dispute

Company is XXXX XXXX. Have disputed debt on credit report and requested validation. Company has continued to report debt on credit reports without providing any communication or responding to requests.
Complaint sub-issue: You never received your bill or did not know a payment was due

I am writing now in wish to receive your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a vital part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX  ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Complaint sub-issue: Trouble with how payments are being handled

In   XXXX   I received a {$1500.00} grant while I was attending school, I was told at that time, that I would not have to repay it.   so, 34 years later after rehabilitating this grant into a loan, about {$6200.00} out of pocket, I got my loan down to {$5.00} per month which I could afford, then it was turned over to " FedLoan Servicing '' Pennsylvania  Higher Education Assistance Agency a nd after 3 months they changed the payments ( with out notice or explanation ), to {$100.00} per month. I caught it, voided "  Direct Deposit '' info, then  they revised it again to {$50.00}, voided that, I called and asked why the changes in payments? they said " BECAUSE THEY CAN '' now I have to deal with some of the worst leeches on the Planet Earth, I am now retired and trying to live off Social Security of just {$870.00} per month, I just need help in paying off the remaining balance to be free of this burden, can you help?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a letter from Credco after disputing 2 inquires. Credco stated I gave verbal authorization through a mortgage transaction which was false. So i contacted Credco.about 2 inquires showed up on my credit report with out my authorization. XX/XX/XXXX and another XXXX. Credco told me it was XXXX XXXX XXXX  and i should contact them. XXXX told me it was XXXX XXXX XXXX. XXXX XXXX XXXX told me it was XXXX XXXX XXXX. I contacted XXXX customer service as instructed. I was then told by customer service that they have no ideal what to do about it.
Complaint sub-issue: Can't get other flexible options for repaying your loan

My private student loan came due in XXXX of XXXX. At that time I was unable to make the roughly {$300.00} payment. I chatted with Sallie Mae and asked if there were possibly any repayment options available to me ( this was before the due date ) and they had told me my only option was to go into forbearrance. I did that and that pushed the payment out until XX/XX/XXXX and interest was still compounded in that time. Once again the payment comes due in XXXX and once again there is no money in my budget to pay the now due loan payment. ( Currently in my budget it's the choice of eating or paying my student loans, to put things into perspective. ) I chat again with them and make them aware of my situation to find out that they now offer re-payment options after interest has already compounded in the forebearrance time. I was appaled to say the least, since that's the exact lawsuit XXXX is going through. They provide me contact information to submit a Hardships application, which I tried multiple times to get ahold of that department and every attempt I have been able to make, they are too busy taking other calls/chats and I have record of that as well. All in this time they are harassing my SO and I with calls and emails about making a payment. Sallie Mae needs to be sued along with XXXX as they are doing the same deceptive practices and this can not go on any longer.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reported four times to the Equifax that the same item was placed on my credit report and it was incorrect. I have sent them documents each time demonstrating that the same item, which was for {$140.00} was not owed. Three time they have removed the item, after their investigation demonstrating that I did not owe the money. 

Twice now I have reported the false reporting of this item to the Consumers Affair Bureau under complaint number XXXX and XXXX. The first complaint was closed out demonstrating that I did not owe the money. The second complaint is still open with the Consumers Reporting Bureau, however I received notice from Equifax on XX/XX/XXXX that they have verified the information that I owe the money and closed the case. 

This has come full circle, as once before Equifax stated that they had verified the information for the same item and when I requested to see the information, they changed course and removed it from my credit report, as verification did not exist. 

This time I contacted the collection company ( XXXX  ) directly and requested the verifying information that I owed the money. I spoke to XXXX XXXX on XXXX at XXXX XXXX. Ms. XXXX stated that she did not have the verified information, but that a letter had been sent to XXXX on XXXX requesting the verifying information and a break down of the invoice. She advised that she would send the itemized bill to me for review and verification. The only item I have received is a new invoice requesting money with no backup information to support their claim. 

Amazingly enough Equifax somehow was able to verify the collection company 's claim on XX/XX/XXXX, when the collection company had not received verification themselves by XX/XX/XXXX. No verification has been provided to date or at any time during the last five years. 

Additionally, last Equifax report states that this delinquency was initiated XX/XX/XXXX. This issues has been in issue since XX/XX/XXXX at which time it was well documented, that I did not owe any money to XXXX and that they were paid in full. 

I am requesting for the fifth time that this item be removed from my report and that I be provided the documentation demonstrating that this money is owed. In addition, I am requesting that all my complaints with the Consumer Finance Bureau be  included in my credit file to be reviewed with my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently in XX/XX/2022 sent Equifax a letter to have them investigate an account that is on my credit report and is reporting inaccurately. I included a letter from the creditor that was sent to me stating they had requested removal of this account. 

I have not received any notification that Equifax even investigated this item nor have they removed it. 

I've included the copy of the letter I sent to Equifax and the letter that the creditor sent showing the account was requested to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/XXXX I have attempted to obtain a credit card. I am a XXXX year old, educated, responsible adult with a work history since I was 15 y/o. I have been paying a car loan, on time for the last few years and have been working full-time for 3 years as an XXXX. The only thing I don't have is a credit card. The only derogatory marks on my credit report are the 4 banks that have attempted and declined my application for a credit card. The most recent being, last night, XX/XX/XXXX. 

My attempts to resolve this issue have been exhaustive and to no avail including phone calls, written communications and prior inquiries through CFPB. 

To summarize : Each time I apply for a credit card, my application is declined. Based on the information available to me, the reason is " inability to verify my identity with the credit reporting bureaus ( it seems with Equifax and XXXX ). In f/u with the credit reporting bureaus they assure me my file has been corrected and send me a complementary credit report that doesn't address the issue/my questions. Since I have no information, I then apply for a credit card and get declined. With this, another hard inquiry is added to my credit file and the process starts over. It is repetitive, frustrating and time consuming. 

On XX/XX/XXXX, after receiving a mail offer and based on XXXX XXXX site recommendations, I applied for credit with XXXX XXXX. I then contacted Equifax ( Spoke with XXXX and the Manager, XXXX ). They were not able to verify my identity, therefore, were unable to provide me any information. They instructed me to once again, start the robotic dispute process. 

How do you correct something, when you have no information? Clearly there is a disconnect, and something is not adding up. That said, it is my problem, and my problem to correct, but I can't get any information because my identity can not be verified. My requests/efforts, to speak or work with a single, knowledgeable and enpowered company representative who can actually work to resolve my concerns have unsuccessful. 

At this time, I am frustrated that this process can even be legal. I have worked hard to establish good credit and can not allow this to wrongly impact my credit. 

At this time, I am requesting : 1. A member of management contact me who I can work with from beginning to end to resolve this issue.

2. Access to and specific information regarding why my identity can't be verified. What is it, that leads to that message? What ever that information is, I want specifics and I want to see it. 
3. I want all hard inquiries removed from my file - since the hard inquiries are related to not being able to verify my identity ( the credit card company says the credit bureau has to remove and the credit bureau says the credit card company has to remove. Here I am put in the middle of this no win situation. Again, a situation which I have no information about and can't correct ). 

Thank you.
Complaint sub-issue: Other problem

I opened a XXXX XXXX credit card account and made one purchase in I believe XX/XX/XXXX in the amount of approximately {$130.00}. This is all approximate because I never received a statement. Not one. I did receive the credit card so I know that XXXX XXXX had my correct address. In early XXXX I received a letter from ERC stating my XXXX balance was unpaid and had been placed with them for collection. Amount due being {$330.00}. I was shocked because I always pay my bills on time and then I realized I never received any statements from XXXX XXXX. I sent a letter to ERC on XX/XX/XXXX requesting more information about this, following the instructions given in the ERC letter for requesting more information. After not receiving anything I sent another letter on XX/XX/XXXX, again requesting more information and requesting a response by XX/XX/XXXX. I have not received a response. I called XXXX in XXXX and they told me because they had given this account to ERC there was nothing they could do, I had to deal with ERC.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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

Just pulled up my credit report and there is a {$600.00} unpaid from XXXX XXXX. I do not know who this is from nor was I ever contacted about this debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I called XXXX  and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score
Complaint sub-issue: Debt was paid

This is actually not a complaint. I am looking for help, and I believe this is the best portal to request it. Citi Bank is reporting a late payment on XXXX, XXXX on my account XXXX, opened date XX/XX/XXXX, limit {$3500.00}. 

I was set up on a payment plan with citi, back in XXXX when I was told they would not report me for being late, but late fees would still incur. I let the representative know this and he told me because I was placed on a do not call list regardless of the payment plan they wont remove this. I paid on XX/XX/XXXX and this was reported on XX/XX/XXXX. 

I WAS IMPACTED DUE TO COVID19 that month of XXXX, and contracted the XXXX after XXXX to XXXX. I was made to XXXX   and was out of work for 2 weeks. 

I am asking Citi to remove this late payment reported on XX/XX/XXXX. I paid as soon as I was able to do it. The battle against the covid19 has not been easy in any way. I am just asking what is fair, and I hope a fair solution to this issue. The late did not happen because I did not have money or because I did not want to pay. This was a seriuos health issue. 

Thanks to whomever reads my request.
Complaint sub-issue: Account information incorrect

Several Items reporting inaccurately. 
XXXX XXXX  account paid as agreed XXXX  XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX  exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX  exceed 7 XXXX XXXX exceed 7 XXXX  XXXX  exceed 7 XXXX  XXXX  exceed 7
Complaint sub-issue: Debt is not yours

I noticed a charge that was debited out of my bank from Preferred Lease in XXXX, TX. someone had purchased furniture TWICE in XXXX, IL. I put a stop payment on both charges and I also filed a dispute through XXXX I received notification from XXXX that the account " the account belongs to me ''. I live in XXXX, NC, where I've been ALL my life. I have tried to contact Preferred Lease numerous time and the information they provided was erroneous. I need this XXXX charge OFF of my credit report.
Complaint sub-issue: Information belongs to someone else

I value your help to ELIMINATE a portion of the data in my credit file that came about because of a FRAUD yet I have certain accounts passed on that should be deleted. Per FCRA segment 605 you are expected to clear any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX  XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$89.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... REPUBLIC FINANCE XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.