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

On or about XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Account status incorrect

on XXXX XXXX XXXX Account. 
I co-signed for my spouse on XX/XX/XXXX who filed bankruptcy around XXXX, XXXX. This account was never a joint account. I was asked to co-sign for him. After he unfortunately filed for bankruptcy, the bank stated reporting this debt on my credit. They also include previous debt before the bankruptcy filing on my report presenting stating the account as a joint account. I was never aware that the account was opened as a joint account. I was only asked to co-sign for him to help him get the loan. 
Therefore, I want the report placed on my report that I am delinquent in payment from XX/XX/XXXX to XX/XX/XXXX, and from XXXX to XXXX, XXXX removed on my credit report. I was made aware of this problem after one of my credit card company specifically stated where the delinquent payment report was coming from. 
I do not believe that delinquent payments reports before and after the filing should be placed on my report for something I was not in control of and nobody try to contact me about the situation. 
I have already called the bank to may payments and schedule future payments but the account was never a joint account and I did not default in payment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # 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 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Complaint sub-issue: Information is incorrect

lexis nexis is stating on my report that I was involved in a motor vehicle accident and I was at fault on XXXX XXXX  2013 So ask them furnish this report to verify this information since they are reporting it Where are they getting this from produce the police report
Complaint sub-issue: Their investigation did not fix an error on your report

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Complaint sub-issue: Frequent or repeated calls

frequent and repeated use of automated machine to call... 

also, will not accept XXXX for payment.
Complaint sub-issue: Account terms

XXXX XXXX management is reporting that I have have a check that was returned do to insufficient funds this is not true this was a stop payment do to the tires I bought made a funny noise I returned the tires and did not get money back I told them I stopped payment this is not true it was not insufficient funds
Complaint sub-issue: Add-on products and services

On XX/XX/XXXX I received a letter from Citibank, informing me that their records reflected that i was previously enrolled in XXXX ', which is an optional debt protection program offered by Citibank in which I was charged a monthly fee. I further researched the matter because I closed my Citibank Credit Card approximately two years ago, so to my surprise I didnt understand why I was receiving a letter from Citibank. After researching it I found that Citibank settle their lawsuit in XX/XX/XXXX but here XX/XX/XXXX I am just being contacted in reference to being enrolled in programs without my  consent or not being properly informed by the representative of the charges, the only thing I was informed of at the time automatic payments was set up was that ; my payments would be {$67.00} a month. I have never been informed by a Citibank Representative about any program costs or benefits that would occur on my bill.
Complaint sub-issue: Their investigation did not fix an error on your report

Paid student loan has not been removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Accounts on my equifax credit report that does not belong to me. Open fraudulently. Requesting that accounts be investigated & removed. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  8. XXXX  ( 1 ) 9. XXXX ( 2 ) Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2015 I submitted a written letter with ID and XXXX card sent it to Equifax because I was unable to view or obtain my credit report or score. I have been doing so for the for the pass XXXX years and I still have not be able to review or see my credit profile or score this has prevented me from obtaining credit and buying a home. please help
Complaint sub-issue: Debt is not yours

Ally is reporting a delinquent balance on my credit that i am not responsible for. This pending balanced was supposed to be paid by my GAP Insurance/ third party insurance as a result of a total loss of vehicle. I have tried to resolve this matter with Ally via phone an also by mailing a request for further clarification, and they have failed to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

My identity was stolen after conducting personal business on my cousins computer. The computer I was using was infected with a virus. My personal e-mail was stolen. My personal information was retrieved via my e-mail and used for fraudulent purposes. This has resulted in the following fraudulent items to appear on my credit reports : ACCOUNTS XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I should not be held responsible for the actions of an identity thief. I am seeking to remove the fraudulent info that has been associated with my identity. I have already informed the credit bureaus of this issue. I have sent the credit bureaus notarized documentation ( Police Report, Personal Documents, Affidavit ) that proves my identity theft and supports my claims. The bureaus are currently still reporting the fraudulent items.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had a fraudulent charge on my US Bank XXXX XXXX card ending in XXXX. 

Their customer service that handles disputes does not even look at each dispute before making a decision. They closed my dispute because they saw a refund that was NOT related to the fraudulent charge. Getting through to customer service is impossible. 

I have a clearly fraudulent charge that US Bank will not even look at anymore because of a refund that is not even related to the fraud charge!
Complaint sub-issue: Account status incorrect

I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money .Great Lake Id:XXXX .its not fair its bringing my score down badily
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Personal information incorrect

Looking over a credit report from Equifax, I saw that there was an address included that was incorrect. I believe I reported that to Equifax, but when I recently received a credit report from XXXX, it had the same address included as a past address. 

Both of the companies had also included a previous address that WAS correct, so I think one address was simply entered in error at some point. I just want that address deleted from all credit reports. 

The address that is incorrect is : XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX The correct address that both of them already include is : XXXX XXXX XXXX XXXX. 

So just remove the one starting with XXXX. 

THANKS! 
XXXX
Complaint sub-issue: Information is not mine

These attached accounts DO NOT belong to XXXX XXXX XXXX after a thorough investigation was completed and no viable evidence provided. 

XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$2500.00} PAYS 61-90 DAYS XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$1500.00} XXXX/XXXX/XXXX {$44.00} PAYS 31-60 DAYS {$1000.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$7300.00} XXXX/XXXX/XXXX {$7300.00} CHARGE-OFF {$3500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$570.00} XXXX/XXXX/XXXX {$190.00} 120+ DAYS PAST DUE {$400.00} XXXX XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5300.00} XXXX/XXXX/XXXX {$690.00} 120+ DAYS PAST DUE {$2500.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$4800.00} XXXX/XXXX/XXXX {$740.00} XXXX DAYS PAST DUE {$2300.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5200.00} XXXX/XXXX/XXXX {$750.00} 120+ DAYS PAST DUE {$2700.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$770.00} XXXX/XXXX/XXXX {$170.00} PAYS 91-120 DAYS {$600.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$1800.00} XXXX/XXXX/XXXX {$300.00} 120+ DAYS PAST DUE {$1700.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$350.00} 120+ DAYS PAST DUE {$2400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$560.00} XXXX/XXXX/XXXX {$100.00} PAYS 91-120 DAYS {$400.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$6700.00} XXXX/XXXX/XXXX {$760.00} 120+ DAYS PAST DUE {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$450.00} XXXX/XXXX/XXXX {$120.00} PAYS 91-120 DAYS {$300.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$5700.00} XXXX/XXXX/XXXX {$790.00} 120+ DAYS PAST DUE {$5100.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$840.00} XXXX/XXXX/XXXX {$150.00} PAYS 91-120 DAYS {$700.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5600.00} XXXX/XXXX/XXXX {$1000.00} 120+ DAYS PAST DUE {$5500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3600.00} XXXX/XXXX/XXXX {$380.00} 120+ DAYS PAST DUE {$3400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3100.00} XXXX/XXXX/XXXX {$430.00} 120+ DAYS PAST DUE {$2500.00} Please update your records accordingly.
Complaint sub-issue: Investigation took too long

I am a victim of identity theft. There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. 
But Credit Bureaus have failed to give me investigation result
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have reviewed my credit report and notice that there are accounts on my report that is not mine and not associated to me. I would like for the following reports that are not my accounts to be removed immediately ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX  XXXX XXXX  XXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$220.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I went to XXXX in XXXX DE. I $ XXXX for XXXX  and about {$18.00} for a small birthday cake and a # XXXX birthday candle. 
I used self check for the cake. The XXXX  I paid for at the Pharmacy. 

The night of XXXX? XXXX My visa card was used at XXXX XXXX  for a yogurt melt, an organic snack and a plush monkey and a {$400.00} dollar gift card On XX/XX/XXXX My XXXX card was used at XXXXXXXX XXXX  for makeup ( which I have not worn for 12 years since I retired ) and a {$400.00} visa gift card. 

On XXXX? XXXX XXXX XXXX card was used for a tank top and a crop top ( I am XXXX and weigh XXXX lbs -- I would not wear these top ) and a {$400.00} visa gift card. 

When I say MY CARD, I mean the infor of the cards. The card was in my pocketbook which was in my personal home safe. 

PNC keeps telling me these were " valid '' purchases. They are incorrect. 
I have called every week day to solve this problem. I have been told that " someone '' will call me. I have called the State Trooper unit in XXXX. 

I have talked to XXXX ... .They said they have film. As far as I know PNC fraud has no true documentation for these expenses.
Complaint sub-issue: Didn't receive enough information to verify debt

I NEVER GOT VALIDATION OF THIS NOTHING VIA MAIL OR ELECTRONICALLY
Complaint sub-issue: Debt is not mine

There is a company that just listed a collection on my credit file whom is ERC trying to collect for XXXX XXXX. I fought this with a prior agency XXXX I do NOT owe XXXX anything. Please help this is out of control.
Complaint sub-issue: Didn't receive services that were advertised

My Identity was stolen in the Equifax data breach. I have been trying to set up XXXX since XX/XX/2017. Despite following every every instruction I was given and spending lots of time on calls with customer service, I have been unsuccessful. On a call in XXXX I was asked to submit documents supporting a name change from about 8 month prior. I submitted the documents on XX/XX/XXXX but received no response. On XX/XX/XXXX I submitted the documents again with a comment about having received no response from the prior submission. This time I received a response with a case number ( XXXX # XXXX ) and a message asking me to be patient. Well, after being patient far to long, I called again only to be told that the deadline had passed for setting up XXXX. I am angry and frustrated. It was not my fault that my ID had been stolen in the data breach. It was not my fault that the XXXX account did not get set up properly. It is not my fault that the deadline has passed. I do not get to choose to do business with Equifax and I can't close my account. I basically have no recourse for the lousy service that I have received. Don't get me wrong, the customer service people are courteous, they just are unable to resolve anything. If this was any other service I would close my account but I just can't do that with Equifax.
Complaint sub-issue: Investigation took more than 30 days

I disputed several accounts with inaccurate information directly to the bureaus but they haven't neither sent any answer nor repair or delete the accounts as i demanded while disputing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry 1 : XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 & 4 : XXXX XXXX 5 : XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XX/XX/XXXX I paid an settlement offer to ACIMA ; this offer was given to me as an option to stop collection and reporting would be closed and ONLY be reported as paid settlement. 

In the month of XXXX I noticed the account stated that the account was closed on the month of XXXX and XXXX was reporting as N -negative. ( Attached ) I filed a dispute to correct this issue and within 30 days these months where updated. However, the updates where changed to on time for XXXX, closed for XXXX. 

Only days later I notice a XXXX point drop on my XXXX credit report. ACIMA credit reported N for the month of XXXX so I again had to dispute this issue. This dispute was updated on XX/XX/XXXX. However, the same issue has taken place. XXXX of XXXX is showing a negative reporting. 

As of today XX/XX/XXXX ( image attached ) this issue is still ongoing. I have reached out to XXXX just as I have each time this has happened to file a dispute. However the representative informed me that each time i complete a dispute it refreshes the paid debt and that I should reach out to the creditor. I informed the agent that I had tried to contact them through the email that they would previous send account information to me from. In response I was informed that account information could not be discussed through email and a number was provided. 

XX/XX/XXXX I called the number ( recorded conversation ) In speaking with the customer service agent and then a supervisor. I was informed that their credit reporting department does not speak to customers and nor does their legal department. They also told me to keep disputing it. I explained that this situation is causing a rollercoaster affect with my credit score and it needed to be resolved. The supervisor explained that all she could do is send an email asking for them to update the reporting and informed me to dispute it again. Im truly lost on what to do. Its clear that this is being done on purpose. The supervisor first told me she saw the dispute results and called out each day 1 disputed the account activity and then later in the conversation said she could not see everything.