Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I submitted a complaint # XXXX on XX/XX/XXXX to have Volkswagen cease from calling me with robo calls which I have confirmed with Volkswagen they received on XX/XX/XXXX. I received another robo call on XX/XX/XXXX and called Volkswagen to advise them to stop again. I then received another robo call on XX/XX/XXXX and called Volkswagen back to advise them to stop again.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

On  XXXX   XXXX  of  XXXX   Afni pl aced a debt on my credit report. The amount owed was for {$56.00} from an account that was supposedly opened on  XXXX / XXXX / XXXX . That information is incorrect. The account was not open on that date and they are in fact trying to re-age an old debt. From my understanding,  Afni  is in violation of section  623 ( 5 ) A  of the FCRA. When I contacted the company to advise them of this, they completely ignored my concerns and attempt to send me an old bill as their response. I am filing a complaint because this matters needs to be handled and off my credit report.     Thank you
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} THIS IS NOT MY ACCOUNT. My identity was stolen and used to attain phones. This had been settled with Equifax and is still showing on there. 

XX/XX/XXXX XXXX XXXX XXXX Balance : {$8500.00} THIS IS NOT MY ACCOUNT. 

HARD INQUIRIES that I did not do nor authorize on my Equifax report : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX HARD INQUIRIES and accounts that I did NOT authorize on my XXXX report : XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} THIS IS NOT MY ACCOUNT INQUIRIES : XX/XX/XXXX XXXX ( I wasnt even in the USA ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I found two different hard inquiries only on my Equifax credit report. I called and informed them that I have never entered their place of business in my life. I then asked for the documents that they had in their possession so I could see for myself. I was told they only had the one because I had submitted an application twice and when that happens they simply change the date on the original. I also asked for a copy and was told to just dispute it with Equifax. The party above with the two hard inquiries was XXXX XXXX XXXX of XXXX XXXX with one inquiry on XXXX XXXX and again on XXXX. 
I was also informed that during this time frame the people I spoke with had not yet began employment there and that all parties who were working during this time frame were no longer employed there.
Complaint sub-issue: Didn't receive enough information to verify debt

Disputed with all 3 credit bureaus XXXX deleted both debts. As of XX/XX/18 XXXX  and XXXX replied stating accounts verified without sending any verified information within time frame outlined from the FCRA 611 ( a ) ( 5 ) ( A ) ( i ). FCRA 15 U.S.C.1681i. This would make my 3rd attempt. According to the law each company as 30 days to reply neither hadnt.. 

I C systems XXXX. XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV {$210.00}
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX & XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$380.00}
Complaint sub-issue: Account information incorrect

On the XX/XX/XXXX I received a letter in the mail stating I was denied a loan. One of the companies I felt had completely false information on me. For instance, in the documents attached it says that I had too many recently opened accounts, I have no idea what they mean I only opened one credit card and that was in XXXX of this year roughly. While I don't necessarily contest the fact that I don't have enough experience with loans I do have a line of credit active that I've had for the past two years and and credit card for roughly the same time, so what exactly is a time period they define as " experienced enough ''. Another point that I'm asking for clarification is how exactly does " too many inquiries adversely affect a person 's credit score? I  left a voicemail on the eve of the XXXX stating for the company to call me and if I did not receive an answer by XXXX XX/XX/XXXX. Monday ( today ) I'd file a complaint with the Consumer Financial Protection Bureau.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX-Balance {$510.00} XXXX {$0.00} XXXX XXXX-XXXX-Balance {$110.00} XXXX-Balance {$1500.00} XXXX XXXXXXXX*-Balance {$1400.00} XXXX XXXX-Balance {$8.00} XXXX XXXX XXXX***-Balance {$15000.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$140.00}
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports The XXXX XXXX XXXX  is reporting inaccurate information on XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Was not notified of investigation status or results

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I mailed a dispute letter to Equifax about accounts being listed on my Equifax credit file without my written consent, which is identity theft and I have yet to be alerted that a investigation is in progress or that my dispute has been received.
Complaint sub-issue: Account terms

My XXXX XXXX account has been paid off. How did Equifax verify the accuracy of the listing? It is obvious it was not investigated properly. If it had been, the listing would be reported accurately. It still shows a balance. 
Also, they have been reporting incorrect late payments and other data the entire time it has been listed. They verify the data when I dispute and will not respond to letters requesting method of verification.
Complaint sub-issue: Information belongs to someone else

My information was exposed during the Equifax data breach
Complaint sub-issue: Problem with customer service

I am locked out of my MOHELA account. I had saved the password for my browser, so I am sure I did not incorrectly enter it. I tried to go through the online password reset, but when putting in my date of birth and social security number, I am told I do not have an account. When I go to register a new account though, it says my account already exists. 

I have tried calling customer service on XX/XX/30 and XXXX, but the phone hangs up automatically while on hold at the 90 minute mark ( or before ) without ever connecting me to anyone. There is no other contact info. 

Given the ongoing student loan climate, being able to access my account is critical and MOHELA is making it impossible to receive help.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2019, I received an initial notification from XXXX XXXX XXXX, XXXX that they had been authorized to collect a debt. Pursuant to the FDCPA and the XX/XX/2019, letter, on XX/XX/2019, I sent a letter requesting validation of the debt and specifically requesting the amount owed, explanation for calculation of amount, copies of any and all papers evidencing I agreed to pay XXXX, identity of the original creditor, proof that the statute of limitations had not expired, proof that XXXX is licensed to collect a debt in Virginia, copies of pooling or servicing agreements, license numbers and registered agent. XXXX failed to provide any information validating the debt in violation of my request and my rights under the FDCPA. Instead I received more correspondence from XXXX on XX/XX/2019, and XX/XX/2019, continuing to attempt to collect the debt. XXXX has violated the FDCPA.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Accounts have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Other problem

i have been paying citi bank for XXXX or XXXX platinum select card for over XXXX year. when i tried to use some of the benefits today all they did was argue with me a refuse to help. I had called them regarding the citi prefered concerts which is the only reason i pay there crazy yearly fee 's and i was getting an oops error message when i tried to check out. there rep refused to assist me wasted over XXXX minutes of my time and then transfered me to dead air.
Complaint sub-issue: Problem with statement of dispute

XXXX was unable to access my Credit report to due a credit freeze. However, there are XXXX inquiries on my report from XXXX. I called XXXX several times concerning this. most recent today where i spoke with XXXX and her manager XXXX If they were able to access my report, why did n't i get a decision letter based on the information in the credit report. they told me to check with the credit agency which i did and they told me to contact fingerhut. i explained that i received a letter stating they were n't able to access my report but the inquiries show they were able to. Ive reached out to equifax who told me that this inquiry is legitimate. but according to the XXXX investigation, they are stating they never viewed my report.
Complaint sub-issue: Card opened as result of identity theft or fraud

This is not my account yet is listed on my credit report. I did not open this account EVER. This is causing serious life events to be unattainable.Company just stalls..
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I had visited a local ER ( emergency room ) for treatment in late XX/XX/2019. Part of the total bill during that visit was to be paid to the provider who treated me. That provider is represented by XX/XX/XXXX XXXX XXXX, XXXX. The total amount to be collected was {$640.00}. 

Initially, there was no diagnostic code on the bill, to which I contacted the company 2 times in order to get that CPT code. The code was then emailed to me, but never put on the bill. Initially, when I called the first time, the company ( XX/XX/XXXX XXXX XXXX XXXX ) said that they were not allowed to give me the diagnosis code and that in order to get that code, I had to call the hospital to get that information because they were not allowed to give it to me. In essence, they wanted me to pay for something for which no service code was on the bill. 

After I paid {$50.00} to the bill, I received a statement on XX/XX/19, which reflected the new amount of {$590.00}. After 1 month passed, I then received a collection notice by I.C. System saying that I had the {$590.00} balance owed and that I needed to contact them in order to pay my bill. I was confused because I had just recently paid XXXX   XX/XX/XXXX XXXX XXXX XXXX a total of {$50.00} in XXXX, and just a little over a month later, now my account was suddenly put into collections. It didn't make sense. 

I called I.C. system, and paid another {$50.00} on the account, making the new balance {$540.00}. However, after I made that payment, I.C. system did not send me a new statement or even an electronic receipt of the payment I had made. It all seems very shady and I'm worried that this just a scam to be honest.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX Michigan 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: Investigation took more than 30 days

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB please remove XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I paid the XXXX $ eviction debt in full. The collector promised to remove it from my credit report. They did not and its a huge hindsight on my credit score especially since Im seeking housing at the same time XXXX $ is a huge debt to pay and not have it honored. Getting the run around.
Complaint sub-issue: Their investigation did not fix an error on your report

Removal of items because of identity theft
Complaint sub-issue: Didn't receive notice of right to dispute

ENHANCED RECOVERY CO L # XXXX I'm unaware of this account debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. If notification was provided, please provide with CERTIFED MAIL RECEIPT.
Complaint sub-issue: Trouble with how payments are handled

The auto-debit system overcharged me approximately {$540.00} for the month of XX/XX/XXXX. This placed undue pressure on my financial situation by making a large drawdown on my savings account. The auto-debit instructions make no statement about the potential to overpay for the month.
Complaint sub-issue: Debt was result of identity theft

I'm being charged for membership to a country club that I have never visited nor knew of its existence. I barely make enough money to survive and I can not afford any type of membership to clubs or fitness places. This derogatory mark is affecting my credit. Please, see if you can help me to have this removed from my credit report. Thanks. 
Below is a copy of the charge. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Derogatory marks View all accounts Collections M G Credit Opened XX/XX/2016 {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$2200.00} Highest Balance {$2200.00} Opened XX/XX/2016 ( 3 yrs, 2 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On several occasions I have reached out to XXXX, Equifax and XXXX  and these people are not doing any investigations whatsoever and we can no longer blame it on COVID.. I need my disputes investigated today because by law they have 30 days to investigate my negative items that I am disputing here ... Please delete. 

XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX-Unverfiied Account XXXX  XXXX  XXXX-XXXX- Not my account XXXX XXXX XXXX-XXXX- Not my account XXXX XXXX  XXXX-XXXX- Unverified account XXXX XXXX XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX  XXXX XXXX-XXXX-Unverified Account XXXX XXXX XXXX- XXXX-Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1980
Complaint sub-issue: Account information incorrect

You XXXX  are playing hardball and stalling. Keep it up and we will be in court! That's a promise, not a threat! I have full rights to take you to court for violation of my rights per FCRA. 

i continually contact you crooked credit bureaus about inaccurate, unverifiable information that's being reported and you refuse to properly investigate or verify the items in question. 

XXXX  XXXX XXXX is reporting 3 different dates last active, different last payment dates, different payment history etc.THIS IS ILLEGAL!! All information has to be accurate, verifiable and complete according to the FCRA. 

XXXX XXXX XXXX is reporting a past due amount on a collection which is in violation of the FDCPA! 

remove these accounts NOW!
Complaint sub-issue: Didn't receive notice of right to dispute

I didn't receive information about the attempt to collect the debt and wasn't afforded the chance to settle the debt, and was blindly sued by ; Plaintiff ( s ) CitiBank, N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Case number XXXX Court XXXX XXXX Justice of Peace, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, I was served with the citation and called XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX and was told they sent a demand letter by mail. I responded that all of my information remained the same and that the mail must not have reached me and was maybe lost, but I did not receive it. I also mentioned that a lawsuit without first calling me to settle the debt is a bad business practice and has brought me more stress, especially since I am an unemployable XXXX XXXX XXXXXXXX veteran and that my only source of income is VA benefits and a Department XXXX Defense annuity. She further requested that I send my bank statements to their attorneys for review. 

This is a bad business practice, and not only that, I am being put through unnecessary pain and suffering the fact that I have a medical condition such as XXXX XXXX that is being triggered by their lack of due diligence. All CITIBANK had to reach out instead of the unnecessary lawsuit without exhausting all means to settle the debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries without my approval. From 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