Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Good Will Letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, in 2022 in an effort to remove late payments from my account. I was sick with XXXX and fell behind due to not working at the time and they did not provide grace and remove late payments.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am looking to update date my credit report the proper way and correct a few errors I have found. First up I do not live at nor have I ever lived at the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX ( NO SUCH ADDRESS ), XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX.
Complaint sub-issue: Debt is not yours

The company Procollect has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine and get debt validation as I have not signed a contract with them or any company they affiliate with. This account is fraudulent and was made without my consent. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Procollect is a scam and does not care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.
Complaint sub-issue: Fee problem

On XX/XX/2023 my car was broken into and my pocketbook was stolen. I immediately canceled my credit cards, including the debit card associated with my Key Bank Checking account. On XX/XX/XXXX a fraudulent check was written in the amount of {$2600.00}. I noticed this on my online statement on XX/XX/XXXX and immediately went to my Key Bank branch to let them know. I was told that the money would be in my account within 24 hours, then I got a call saying it could take up to 90 days, then got a letter in the mail saying that my claim was denied. First reason was that I filed the claim after 30 days, then the bank manager said it was because in the affidavit that I signed I listed my checkbook as one of the items stolen. I was never advised to close my account down at that time or I would have done that. I really thought that by canceling my card my account would be safe. I have a copy of the check and its clearly not my signature. I feel like Key Bank robbed me all over again. Any help you can provide would be SO appreciated!
Complaint sub-issue: Information belongs to someone else

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the Equifax data breach
Complaint sub-issue: Information belongs to someone else

I submitted a letter in regards to items on my credit report that was not accurate. 

There are 2 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX/XXXX. XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX. XX/XX/XXXX 3. XXXX XXXX. XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX Please remove the following account thats not mine : 1. XXXX XXXX XX/XX/XXXX The following account came back as not mind on my other Bureaus but is listed on this one, please delete this account which is not mine, XXXX XXXX XX/XX/XXXX. 

Please make the following corrections to my credit report. 
Thanks in advance
Complaint sub-issue: Their investigation did not fix an error on your report

Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with Equifax and it was mailed on XX/XX/XXXX, and Equifax received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and Equifax is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by XXXX, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. XXXX has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of XXXX at XXXX twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that Equifax send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for XXXX and all other disputed information ; Equifax received this request on XX/XX/XXXX. I received a letter today from Equifax saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. Equifax has five days to provide this information to me and has failed to do so.
Complaint sub-issue: Card opened as result of identity theft or fraud

Upon checking my credit report in XX/XX/XXXX, I noticed several accounts that I was not familiar with. One of the those accounts was a XXXX XXXX credit card with a balance of {$970.00}. I immediately mailed a letter requesting proof/explanation of the debt via USPS certified mail ; tracking # XXXX. The letter was delivered XX/XX/XXXX, to this very day, XXXX XXXX have not responded to my request and insist on imposing this debt and reporting it to the credit bureaus. The date of the letter is in the right hand corner, RTN : XXXX XX/XX/XXXX ( see attached ). The number is a response tracking number with the date incorporated. No response was ever received.
Complaint sub-issue: Attempted to collect wrong amount

Equifax continues to post that I owe money to XXXX XXXX in XXXX XXXX Oregon on XXXX accounts. I called XXXX XXXX XXXX, XXXX and asked if I owed them money. They said I did not and had paid it off in XXXX. I want these accusations removed from my record on Equifax immediately. I have already filed a dispute with them longer than a month ago and they continue to have it posted on my credit report.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still 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 incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017 credit reporting agency Equifax announced a major security breach in which personal data such as social security numbers, names, addressed, and credit history was leaked. According to Equifax 's own website my data was among the information that was leaked, but it is impossible to say for sure since Equifax failed to communicate adequately with people who were affected. Futhermore, they will not provide specific information on whether or not I was affected unless I agree to an arbitration clause ( which I did not ). Equifax knew of the data breach approximately one month before it was announced during which myself ( and countless others ) were at increased risk for becoming victims of identity theft and fraud. 

Equifax has not offered adequate solutions to this problem. Their offer of one year of identity monitoring is insufficient. The nature of the data that was leaked is such that lifelong credit monitoring will be necessary. This will come at significant cost to me since it will need to be arranged with all 3 credit reporting agencies. Equifax should be forced to cover the cost of a lifetime of credit monitoring and unlimited freezes/unfreezes with all 3 reporting agencies for anyone, including myself, whose data may have been released. 

Equifax failed to maintain adequate security measures. I would like to see legislation introduced to hold companies liable for data breaches with no limits on financial compensation to those people who are affected. Criminal charges should be pursued against those executives who divested their interests in Equifax before the breach was publicized.
Complaint sub-issue: Banking errors

I opened a savings account with Citibank on XX/XX/2019. I was advised with a {$5000.00} deposit I would receive a {$200.00} credit if I kept a balance minimum of XXXX in the account for 60 days. The {$200.00} credit would be credited after 60 to 90 days of that date. 
My balance never went below XXXX as I deposited XXXX and with that amount would not be charged any service fees. Needless to say they never credited me back the {$200.00} for keeping the minimum balance for the minimum time Citibank had requested the funds be in the account. Citibank has refused to even acknowledge this offer.
Complaint sub-issue: Right to dispute notice not received

The company has never sent a communication or called informing me of the debt so I was not given the right to request information related to the debt I was said to owe. When I found this information on my credit report I contacted them and was told they no longer had the account ( although they are reporting it ) but a sister company has it, I then called the next company to be told they did not have it either, and the last company that claims to owe the debt will not provide me a fax number nor address to send a formal request for verification. This account was not opened by me and needs to be removed yet they continue to verify it belongs to me. I have asked all XXXX companies for a statement by mail or something showing that I have the right to dispute the debt. They have all refused. I have mailed dispute/validation requests to XXXX of the companies that I have been able to obtain the mailing address for. If the XXXX and XXXX company claim to longer own the account and have made no effort to collect on the debt, the information must be reomoved from my credit report or give me the formal notice of collection attempts.
Complaint sub-issue: Funds not received from closed account

Continuation of XXXX Have been repeatedly told that my balance check was mailed to me on XX/XX/2022 and that it could take 7-10 business days to arrive. 

Here we are on XX/XX/2022 and I have not received said check, I do not know of any existent USPS shipping service that takes more than 3 weeks to deliver a ( first-class I assume ) piece of mail. 

Company has been seemingly hesitant to void the mailed check and re-mail me a new one, the sum is XXXX and represents a portion of my savings that I have been needing. 

They will not allow me to ACH the balance out, thats fine. But where is my check? I am inclined to give them the benefit of the doubt, but like any sane consumer, that comes with a mutual understanding and assumption that there is a sense of reasonability in their action towards resolution. I would not be filing this complaint if I did feel there was that mutual reasonability, as the notion that a USPS check mailed from UT to CA would reasonably arrive in <4 days at maximum, and its been over 21 days. Domestic mail simply doesnt work like that, further, I dont understand how and why they would be hesitant to simply void and re mail me a new check given that the original has never arrived in what is now far beyond a reasonable time-frame. 

I hope this compels them to take action and treat me ( the consumer ) with fairness and to concurrently protect their reputation as a financial institution.
Complaint sub-issue: Account status incorrect

I have to account is close still show open In my credit report 1- loan care 2- XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

This involves Conns XXXX account number XXXX XXXX Cash Option Equal Pay No Interest ( EPNI ) offer. 

I purchased furniture and electronics for my new home at the total cash option price of {$6800.00} with an expiration date of XX/XX/XXXX with the ability to pay in full within 30 days of expiration date which would be XXXX/XXXX. 
I called Conns at number above as stated in there letter attached on XX/XX/XXXX to get the accurate payoff prior to making the final payment. The representative told me that it could take up to 3 days to get the payoff and told me she would request it and try to call on XX/XX/XXXX to try to get it. I therefore called on XX/XX/XXXX and requested the accurate payoff once again. The rep told me it was {$930.00}. I informed her to make a note in the file that I needed to make sure this was accurate to ensure I do not get charged the interest on the credit by paying it off within the time period. She informed me the amount was accurate. The payment was made on XX/XX/XXXX for the amount given by the rep as the accurate payoff. I called the following week to verify and was told I did not meet the terms of the agreement because the rep I spoke to failed to include a XXXX administrative fee to the total she provided me. I told the rep that they could review the notes as I specifically wanted to ensure the amount was accurate. The rep I called regarding my complaint did see my notes requesting that she add my concern that this needs to be the accurate amount and he agreed she did document that. I dont feel that Conns treated me fairly as their rep provided me the inaccurate payoff and due to their agents error the administrative fee was not added. I would have easily paid the {$100.00} administrative fee to avoid paying well over {$2.00} thousand in interest fees. I called on 2 different occasions trying to resolve this and was promised an email or call back from management and never received one. I would like this resolved fairly as I tried to comply with there terms and depended on their agent and requirements to call them directly for the accurate payoff.
Complaint sub-issue: Old information reappears or never goes away

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$580.00} with XXXX, XXXX, & XXXX credit reporting agencies. This debt was previously removed then later resold and reinserted back onto my credit reports. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Complaint sub-issue: Banking errors

Hi Team, I opened Citi bank account with promotion of {$400.00} bonus. The requirement was to maintain {$15000.00} total combined balance in accounts for 60days and bonus will credit within 90days for meeting requirement. 

Account Open date : XX/XX/2018 Amount {$15000.00} deposit date : XX/XX/2018 Requirement met on : XX/XX/2018 Bonus Expected date : XX/XX/2018 Contacted bank several times they did confirm account meets bonus requirement but no bonus credited yet. 

Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I pulled my credit report om XX/XX/XXXX, According to the Credit report My DOB was incorrect in my file, I have been in the bureau since XXXX ; I sent them my Identification9a Mississippi Drivers License and a copy Of my SS Card I waited 30 days. I also contacted the FTC, in XXXX, GA, They responded promptly, and advised me to Contact My Congressman ; I did so, contacting Mr. XXXX XXXX 's Office here in XXXX on XX/XX/XXXX, At this time I shared my problem with the office staff.In doing so Mr. XXXX 's Office staff made a copy of My DL My SS card, and My Birth Certificate, and they forwarded that information to Equifax, On XX/XX/XXXX I recieved a Phone Call from a number XXXX, My Caller ID says it's Equifax, the man Asked me questions, to which I answered all of them. He advised me that he would correct the DOB, and other information. and that he would Put It in the Mail, Today 's date is as follows, XX/XX/XXXX. I've heard nothing, Nor Has Congressman 's XXXX 's Office. I've  tried calling the Number and I got a recording. also the questions asked of me by Equifax, leads me to believe also, that I am the victim of Identity Theft. i did not by a Car in XXXX, nor a Home in XXXX, and Credits Cards,  and A Student Loan from XXXX ... I need your help, I'm begining to think that maybe it was Intentional. 
I filed taxes with XXXX XXXX XXXX XXXX, all of my life, and not once was I audited, nor asked to pay any money, b ecause of an Overpayment, but after this thing with Equifax I was asked to pay, XXXX for an overpayment in that amount from XXXX. I have the XXXX XXXX XXXX XXXX   Guarenntee. XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS . XXXX XXXX, XXXX
Complaint sub-issue: Billing problem

U.S. Bank Branch XXXX XXXX XXXX XXXX 0.7 mi XXXX XXXX XXXX XXXX XXXX ) XXXX Opens at XXXX XXXX Auto loan we never received a written or e-statement from the bank. We have asked this two or three times We have filed complaints with California Consumer Affairs with the California Attorney Generals Office.

Payments have not been recorded, and we have to drive in person to pay the account without an account number. Why?
Complaint sub-issue: Public record information inaccurate

I have a bankruptcy public record that is reporting to my credit report that belongs to someone else with a similar name. I called then visited the courthouse but they could not locate the file in my name with a matching Social Security Number. I contacted the creditors and credit bureaus to remove the bankruptcy along with the accounts relating to the public record. The creditors have removed the accounts off two of my credit bureau reports so far, but the actual bankruptcy still remains on my credit reports despite the removal of the associated accounts. Please help me remove this blemish on my report because it not accurate.
Complaint sub-issue: Reporting company used your report improperly

All these companies that I had highlighted was contacted by me, but there end of it wasn't kept. These companies, with the exception of schools financial. Have unwanted, unwarranted, frivolous and excessive checks into my credit.
Complaint sub-issue: No notice of investigation status/result

I am a victim of id theft. I sent a request to the credit bureaus for a security freeze to my credit with a copy of all my required documents. Equifax did not freeze my credit. I also disputed fraudulent account from XXXX and several inquiries with XXXX, XXXX and XXXX XXXX XXXX XXXX They should have deleted these inquiries and account and sent me a new credit report. They did not update my credit report and send it to me
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XX/XX/XXXX. I am currently Self Employed XXXX XXXX XXXX XXXX My current and only address XXXX XXXX XXXX, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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, OH XXXX
Complaint sub-issue: Frequent or repeated calls

I have tried them to stop calling me and have told them I did not open an account with them!
Complaint sub-issue: Information belongs to someone else

I have mailed in several disputes to XXXX, Equifax, XXXX disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.