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

On XX/XX/2020 we set up a modification agreement on loan # XXXX - made a payment of {$18.00} is what the website asked us to do both parties agreed we did the same thing with the other vehicle loan we have and all of a sudden they show up on our doorstep today and repo the car - they never emailed me the modification agreement I have emails that shows that it was set up in place - made a payment that same day - and they are refusing to except payment in anyway size shape or form I tried to make a payment on the website today
Complaint sub-issue: Account information incorrect

Im writing to request assistance with a late payment reported by my XXXX XXXX XXXX XXXX credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the XXXX XXXX XXXX XXXX credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted XXXX credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; Case Number XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

These are not my accounts, nor are the addresses and names on file.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Someone named " XXXX XXXX '' left a message on a family member 's voicemail saying there are two pending charges against me and threatening to arrest me. From this number : XXXX. PLEASE do something about this, it has been very scary and the fact that they contacted a family member is infuriating.
Complaint sub-issue: Didn't receive enough information to verify debt

I got a call from ERC telling me I owed money to XXXX XXXX XXXX I told them I am waiting on a check from XXXX XXXX XXXX due to filling a dispute with this company due to the service always being off and hardly ever on which was why I discontinue service and returned their product the service was more off than on told them I was returning it that I was not satisfied with it and have it back immediately I would try on many attempts to fix the problem to get a credit and each time the service stayed off it became a real problem.
Complaint sub-issue: Information belongs to someone else

I do not recognize the accounts on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled after the first late payment over 84-months ago. XXXX XXXX is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It alsos states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I contacted y'all on XX/XX/20 to dispute a payment from XXXX XXXX {$99.00}, and I never got an email back about disputing it. I need to dispute it Because they billed my card without my permission. I can't get ahold of the company because they were a fraud company and shut down their business after taking people 's money.
Complaint sub-issue: Account status incorrect

I have paid my payments on time with XXXX XXXX  XXXX XXXX XXXX prior to COVID. I lost my job in XX/XX/2020 and struggled with my car payment for the Months of XXXX, XXXX, and XX/XX/2020. I struggled to make full payments in XXXX, XXXX, XX/XX/2020, however I did make partial payments during this time. I called to request help and was told that they cant remove the late payments and they generate due to full payment not being made. I mentioned that President Trump had passed the bill to work with customers due to fact they received relief funding. It was my understanding that during this time customers were not going to be marked late especially for partial payments that I made. I did call the Credit union about the past dues and they stated they could not be removed off my credit report well part of this bill was not to negatively impact credit and stimulate the economy. I feel that these late payments should be removed. I immediately caught up the car loan payment and have been on time with the exception of when out of work.
Complaint sub-issue: Information belongs to someone else

I went to try to lease a car today XX/XX/19 and when they did the credit check I was told that I was not approved because there were some accounts reflecting badly on my credit report. None of those accounts belong to me. I suspect that they were opened by my aunt since she has the same name as me. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts. I did not make any payments or purchases with any of these accounts and I have never had any written/verbal contract with any of these companies. I have already gone to file a police report regarding these unauthorized accounts.
Complaint sub-issue: Debt is not yours

I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX  ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.
Complaint sub-issue: Information belongs to someone else

My information was used to open a fraud account with Conns Credit Corp. for the amount of {$1400.00}. I submitted a police report, FTC report for Conns Credit and XXXX. I have been disputing this since XX/XX/2018. XXXX and XXXX   have deleted this claim with all of my proof but XXXX is not cooperating. Please see attachment to support my claim.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

ENHANCED RECOVERY CO is inaccurately and erroneously reporting iun. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Information belongs to someone else

This is the third time I have requested Notice for Proof of Claim for Accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.
Complaint sub-issue: Problem using a debit or ATM card

I lost my debit card Thursday night. That following Friday I received a call from pnc telling me that there was some suspicious activity on my account. I realized that I longer had my debit card during the conversation and the representative closed my card and said that I had to come into a branch to dispute the charges. I visited a branch and disputed the charges. I do not know how to dispute was filed, I never stated that I authorized someone to use my debit card. I did not give anyone my debit card, nor give them consent to use it. It was lost on Thirsty  Thursday. This is a really big inconvenience for me especially due to the COVID-19 outbreak. My family will have to be in quarantine and I need all access to my funds. If this is not quickly resolved I will not hesitate to escalate this issue even further. Thanks in advance
Complaint sub-issue: Information belongs to someone else

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/2021
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - US SM BUS ADMIN ODA XX/XX/2021 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX 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: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - {$6200.00} XXXX XXXXXXXX {$7500.00} XXXX XXXX XXXX XXXXXXXX {$390000.00} XXXX XXXX XXXX XXXX {$390000.00} XXXX XXXX {$1500.00} 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX HAS A COLLECTIONS ON MY CREDIT THAT IS NOT MINE ACCOUNT : XXXX XXXX -NOT MINE
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX To whom it may concern Delete this account because : 1. It was illegally re-aged. On my XX/XX/XXXX report it shows XX/XX/XXXX, and on my XX/XX/XXXX report, it now shows XX/XX/XXXX in the dola. *see attached document * 2. Account number is different *see attached document* 3. The amount is different *see attached document* This is damaging my credit because they are allowing this company to report illegal, inaccurate and incomplete information on my credit report. 

Thanks XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2018 a portion of my federal tax return was deposited into my Discover online checking account. I stopped using the account a few months previous due to the bank delaying bill payments for up to a week costing me late fees. On XX/XX/2018 I used one of the bank designated ATMs ( XXXX ) and was denied withdrawal and when I called to see why, I was given an explanation of suspicious activity because I used an ATM outside the city I live in ( same state ) but I have used this ATM on other occasions. Once I verified who I was, I was told everything should be fine but, it wasn't and I was still denied access to my account I tried making a purchase at the grocery store with cash back and was denied still. I called again and the representative told me there was a security freeze on my account and gave me temporary access for 15 minutes and said the freeze would be released in 24 hours. The explanations didn't make any sense at all to me so I tested the card the next day on the XXXX while on my work assignment in my own city of residence again the ATM transaction was denied and I was told that this bank designated ATM inside XXXX grocery store was a high security risk and a code needed to be entered in the system for that particular ATM. I explained that I have to travel back and forth sometimes for my job and I needed access to my account especially when on the highway. However, I did tell the rep that I would be contacting the FDIC about this.There were no pending transactions, no negative balance, and no report of a lost or stolen debit/ATM card before the federal tax return was deposited, I stopped my direct deposit from my job to this account a few months ago because of delayed transactions especially transfers. So I still don't have a valid reason for a security freeze and denied ATM transactions. The first of XXXX is in one day, and I do not want any more of these senseless issues when I have to pay my bills. Since when was an explanation required to access your own money.
Complaint sub-issue: Debt resulted from identity theft

debt is not mine had it remove before and they re age the debt so it show up credit report as a new debt and reporting a date of open of XXXX XXXX 2015 and the debt should have a later date then that
Complaint sub-issue: Information belongs to someone else

This has been going on for about over a year and a half now. Equifax still has not resolved the identity theft. This started when my wallet was stolen. My identity was used to open numerous accounts, Equifax was notified of the identity theft. I have attached Police Reports and Identity Theft Affidavits to the numerous Consumer Financial Protection bureau complaints. Equifax refuses to read the Law enforcement documentation provided in my CFPB Complaints. When I call up they Force me to verify fraud on my Equifax report as if it were my accounts or they won't speak to me. These are not my accounts. I am going to list off the things Equifax refuses to block even though they were notified and provided the proper law enforcement documentation clearly describing the crime that took place. Equifax refuses to resolve this ongoing fraud situation. In addition to that Equifax still has my wrong address after being notified over 15x. First thing is I have never opened any accounts with XXXX. This account is fraudulent, not authorized and I never received the card. Secondly, The XXXX XXXX XXXX XXXX account which is a credit card account shows as XXXX limit. This account is fraudulent, The limit is incorrect also I spoke to this institution which advised me the limit was supposed to have been {$15000.00} when I advised them of the fraud they say they resolved this and sent info to the credit bureaus to delete this however Equifax refuses to delete it. Third. XXXX 's XXXX XXXX. I have not authorized any accounts with XXXX XXXX XXXX XXXX, In fact the last payment made was made from a person named XXXX XXXX, and Their banking institution told me that that credit card ended up being fraudulent too. Obviously I am not receiving anything from this company this is clearly fraud wasn't even opened in my name. Please Block this account. I did not authorize it. Lastly there is accounts from XXXX XXXX, and XXXX these are fraudulent accounts. I did not authorize any auto loans with XXXX XXXX, I did not authorize membership with XXXX XXXX I never signed anything for XXXX XXXX, never received any documentation from XXXX XXXX and never authorized any accounts to be opened with their institution. The line of credit, and Auto loan you show are fraudulent. In addition to that there are two Installment loans showing for a XXXX. I did not authorize these to be opened. I do not have membership to XXXX it requires you to be part of the military or in a military family. Which I am not. So clearly I couldn't obtain membership there because I wouldn't be able to qualify. I did not open these accounts these are again the result of identity theft. All of these accounts were opened after my wallet was stolen and my identification was stolen. Equifax refuses to block these fraudulent accounts. Also Equifax is reporting an address I don't live at. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX this is not my address. In addition to this Equifax supplies this information to XXXX, Which is reporting this fraudulent information as well and has not worked with me to resolve this crime.
Complaint sub-issue: Their investigation did not fix an error on your report

Kindly fix the accounts and make the necessary corrections.